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Southend Lifeboat station
was established by the Institution in 1879 to assist vessels and crews that run aground on Nore and Leigh Middle Sands and other outlying banks at the entrance to the Thames. There were two stations between 1885 and 1891.
The offshore lifeboat station is situated on the seaward end of Southend Pier which is 1¼ miles long. The inshore station, which is temporarily situated at the shore end of the pier, houses the Inshore D-class and Hovercraft.
The outstanding figure in the history of the station was Sidney H B Page. He was a member of the crew from 1911 until 1933, was bowman from February to December 1933, second coxswain from January to June 1934 and coxswain from July 1934 to December 1955. From 1911 until 1955 the Southend lifeboat rescued 431 lives. Sidney Page won the Silver Medal the Bronze Medal twice and the Thanks of the Institution inscribed on Vellum four times. When he retired in 1955 he became honorary boathouse attendant. He died in 1962 aged 71.
Thirteen medals have been awarded - four Silver, nine Bronze, the last being voted in 2000.
In 1932 the German Government thanked the lifeboat crew in respect of their service to a German aircraft on 29/30 October 1932.
The following list outlines some of the station's history. Where possible links and photos are provided for greater detail.
Silver Medal awarded to Chief Officer, Mr George Culmer, Coastguard, for rescuing two people from the vessel Friendship that had run ashore in a heavy southerly gale off Shoeburyness on 17 February 1826. With two men of his boats crew they launched over the sands through heavy surf with the tide half ebb to recover the casualties who were exhausted to the point of insensitivity.
Silver Medal awarded to Lieut Sidney King RN for the rescue of the master and one seaman from the Barge John when both her anchor cables parted in heavy weather near Hope Buoy on 29 October 1838.
Davits erected on pier for lifeboat and also two small winches to hoist and lower the lifeboat.
Silver Medal awarded to William Bradley, Light Keeper at Southend pierhead, for rescuing a man from the capsized steam tug Jubilee on the night of 2 November 1887. Mr Bradley was called from his bed and without waiting to dress lowered his boat, rowed to the casualty who was clinging to the upturned boat, and brought him to safety.
Decided to supply a second lifeboat and erect a lifeboat house. Land drained at a cost of £25 by Messrs Baker & Wiseman. Estimate for construction of lifeboat house by Mr J Walker £419. The sum of £42 paid for fencing ground at lifeboat house and erecting gates.
Decided that number two lifeboat be moored inside the head of the pier during the winter months. Number one station lifeboat removed.
New lifeboat and slipway constructed end of pier at a cost of £15,750.
Bronze Medal awarded to Coxswain Sidney Page when he went to the help of five vessels in trouble in a very bad storm on 2 June 1938 and from three of them rescued seven lives. Shortly after midnight the lifeboat went to the assistance of the yacht Wimpie that was dragging her anchor and took off two men and landed them on the pier steps. Receiving another call the lifeboat went to Shoebury Sands where three men were taken from the rigging of the barge Glen Rosa. The barge Maid of Munster refused help so the lifeboat went on to take off two men and a dog from the barge Audrey adrift off the Nore Lightship with her rudder gone and her sails in ribbons. The fifth vessel was found sunk. Second-Service Clasp to a Bronze Medal awarded to Coxswain Page for a service two miles east of Southend pier very skilfully carried out in the worst of weather, in the dark, and in exceptionally difficult and severe conditions to three barges on 26 November 1938. The first barge Lord Roberts refused help so the lifeboat then went to assist the Rochester T.F.C. and in two passes took off her master and mate, before returning to the Lord Roberts; help was again refused. Two passes were made to take off two men from the barge Glenmore. By this time the Lord Roberts had sunk and her two man crew had to be rescued from the rigging. Coxswain Page was only the second man in the past 30 years to win two medals in one year.
The Greater London was one of the 19 lifeboats of the Institution that went to Dunkirk at the end of May to help to bring off the British Expeditionary Force. She was not manned by her own crew but was taken over by the Navy and manned by naval ratings. The work of rescue at Dunkirk came to an end on Tuesday, 4 June and in the last hours of the evacuation the Greater London saved the destroyer, HMS Kellett at 1.30 on the morning of that day. HMS Kellett was trying to embark 200 French soldiers from the Mole, but some obstruction under water prevented her from coming alongside. The harbour was then being cleared of what remained in it, and the blocked ships were to be sunk at its entrance. If she were not to be trapped, the destroyer must leave at once. Her bows were touching the beach and her Commander tried to put her astern, but again something under water was in the way. One of her screws caught on it and try as he would he could not move her. There seemed no-one left to help him, when he saw a lifeboat pass by, full of soldiers. He hailed her and the lifeboat hauled the destroyer off the beach. By their timely pluck, at the last moment, this lifeboat saved the destroyer and her crew from capture. She was the Greater London of Southend-on-Sea.
Silver Medal was awarded to Coxswain Page and Bronze Medals crew members Frank Jurgenson, William Deer, Herbert Myall, Samuel Thomas and Reginald Sanders for an outstanding war service when the lifeboat went out eight times in a gale that lasted for two days and a night to distressed barges on 6 December 1940 and rescued 12 men. For the first four of these launches she had only six men instead of her usual crew of eight, and two of the services carried out by six men were exceptionally difficult and dangerous.
On 28 September the Greater London lifeboat was launched to search, unsuccessfully, for the body of Mr Geoffrey de Havilland who lost his life whilst flying an experimental high speed aircraft.
The Thanks of the Institution inscribed on Vellum was accorded to Coxswain Sidney Page and Second Coxswain Joseph Polkinghorn, Reserve Mechanic Lionel Neville, Assistant Mechanic Reginald Sanders, Signalman Samuel Thomas and crew members Edward Polkinghorn, Oliver Cotgrove, Thomas Thornton, Stanley Scrase, Cyril Day and Walter Wynn in recognition of their meritorious conduct and seamanship in the lifeboat which was launched four times in 12 hours and rescued seven people from the barges Maid of Munster, Asphodel and Adriatic, which were in distress of Southend-on-Sea in a full south west gale with a very rough sea on 23 April 1947.
12th January 1950 is a date that will forever link this station with one of most unfortunate tragedies in the Thames estuary. The submarine "Truculent" spent the day undergoing sea trials following a refit at Chatham dockyard.
At the end of the exercises the intention was to moor up at Sheerness before proceeding up river the next day. So that evening Truculent made her way west from the Red Sands Towers. The Officer of the Watch noted that the outbound and inbound traffic was quite heavy, it was only after Truculents's escort- the destroyer "Cowdray", had peeled off to return to Chatham that the watch noted an unusual array of lights ahead, just off the port bow.
Confirmation of the unusual light pattern was made by a more senior officer. It was decided that because of the shallow water on the starboard side, of what was determined to be a stationary vessel, the Truculent would steer to port and avoid the hazard. These lights were later discovered to have no real meaning this far down the river.
Unfortunately the hazard was the 643 ton tanker "Divina" making her way from Purfleet and it was steaming straight for the Truculent. Even though both vessels could see the impending disaster it was too late to do anything about it.
Subsequent investigations have noted how calm and professionally the crew aboard Truculent responded to the event. Procedures for evacuation were "textbook" in there execution. It was deemed that being in such busy waters and with the level of carbon dioxide rising to danger levels in the sub' to evacuate promptly. This was felt to be a fair assessment under the circumstances.
The SOS had gone out after 5 survivors had been picked out of the water by the Dutch boat "Almdijk". The Southend lifeboat was the first vessel to respond to the distress call and spent over 20 hours searching for survivors but the cold waters led to great loss with only 10 men surviving.
On the night of 31 January-1 February, the sea invaded large areas of land in many parts of the East Coast. Southend-on-Sea lifeboat was called out several times and was at sea for a total of 26 hours 35 minutes.
The Thanks of the Institution inscribed on Vellum was accorded to Coxswain Sidney Page for the rescue of the crew of three of the motor barge Fence on 21 October. The barge had grounded on the West Barrow Sand and was eventually taken in tow by the lifeboat the next day.
A collective Thanks of the Institution inscribed on Vellum accorded to Coxswain P Gilson and his crew for rescuing a seaman who was trapped in a cabin on board the Dutch vessel Temar after catching fire near the number two Sea Reach buoy on 8 December. The lifeboat also brought ashore six more survivors from the Temar.
D class lifeboat sent to station in May.
1The Thanks of the Institution inscribed on Vellum was accorded to Robert Chalk, Gordon Easton and D Morgan for the rescue of the crew of two of a cabin cruiser inside the Mulberry by the inshore lifeboat on 16 March.
In view of the withdrawal of the helicopters from Manston, a second D class lifeboat was sent to the station in April 1969.
Framed Letters of Thanks, signed by the Chairman, awarded to Robert Chalk and Colin Sedgwick for the service on 9 November 1969 when in a west-south-westerly gale with a very rough sea the inshore lifeboat saved a mans life by towing his boat to shore and subsequently landed three people from a second boat which had gone aground at Canvey Point.
Framed Letters of Thanks signed by the Chairman of the Institution Admiral Sir Wilfred Woods GBE, KCB, DSO, DL, awarded to number one ILB Helmsman, Duncan Clark, and crew members Clifton Warry and Harry Pavitt, number two ILB Helmsman, Dennis Webb and crew member Stephen Cox, the crews of both the inshore lifeboats, for their part in aiding a capsized yachtsmen at the Thorpe Bay Yacht Club regatta, held on 7 August. Some 126 yachts were suddenly hit by a heavy squall and thunderstorm, with the wind rising to Force 8 and dense rain reducing the visibility, 90 yachts capsized. Both ILBs launched immediately and with the crews handling their crafts with great skill and efficiency, they helped rescue 26 people.
Framed Letters of Thanks, signed by the Chairman of the Institution, awarded to Motor Mechanic Robert Chalk for jumping into the sea on the east side of the main pier after seeing a woman in difficulties in the water on 25 November. Mr Chalk was also awarded a testimonial on Vellum by the Royal Humane Society.
Conventional lifeboat "Greater London II " withdrawn on 28 March. Atlantic 21 class lifeboat sent to station.
The Thanks of the Institution inscribed on Vellum accorded to Helmsman Robert T Fossett in recognition of his skill and determination when the inshore lifeboat saved two boats, rescued six people and gave help to three other vessels that were in difficulties in the Sea Reach area in a strong southerly gale and a rough sea on 6 June 1977.
A Centenary Vellum awarded to station.
On 27 February the Atlantic 21 launched to pick up a man whose dinghy had capsized in strong south easterly wind and a rough sea. The man who had been clinging to his upturned dinghy, had been rescued by a 16-year old boy named Carl Palmby who had gone to his aid in his sailing boat. For his skill and determination Carl was accorded the Thanks of the Institution inscribed on Vellum.
In January 1999, Carl sadly passed away prematurely, following serious illness. His family insisted that proceeds from the funeral be donated to the Southend - RNLI. These monies were used to furnish the crew changing facilities in the new boathouse where a brass plaque in his name hangs today.
On 21st March 1981, the Atlantic 21 assisted the tug "Lady F" and helmsman Paul Gilson and crew members Glyn Gilson and Paul Manners were awarded framed letters of thanks signed by the Chairman.
Framed Letters of Thanks signed by the Chairman of the Institution awarded to Helmsman Paul Gilson and crew members Glyn Gilson and Paul Manners in recognition of their seamanship and determination when assistance was given by the Atlantic 21 lifeboat to the tug Laity F on 21 March.
Bronze Medal of the Institution awarded to Helmsman Robert T Fossett and Framed Letter of Thanks signed by the Chairman of the Institution, the Duke of Atholl awarded to crew members Simon Spratt and Mark Fossett in recognition of their courage, perseverance and seamanship when the relief Atlantic 21 lifeboat rescued the crew of two of the fishing vessel Mary which had broken down in a west-south-westerly gale and heavy breaking seas on 2 May 1982.
Certificate of Commendation awarded by the Royal Humane Society to Helmsman Paul Gilson and crew member Michael Whistler for administering artificial respiration and mouth to mouth resuscitation to a man who had jumped from the pier into the sea and was rescued by the D class inflatable lifeboat on 23 November. Robert Fossett received a certificate for assisting ashore once the man had been landed. The Chief of Operations also sent a letter of appreciation to each man.
HRH Princess Anne attended the naming ceremony at Southend on 2 May to name the new Atlantic 21 lifeboat Percy Garon II.
Boathouse was considered unsafe and demolished after the 180ft Coaster Kings Abbey sliced through a section of the pier on 30 June. The point of impact was adjacent to the boathouse in which the Atlantic 21 was housed. A new boathouse was constructed to accommodate the Atlantic 21 lifeboat later that year. It was situated adjacent to the D class accommodation on the Prince George extension of the pier.
Local Council provided a mains water connection to the boathouse and work was also carried out inside the boathouse in order to provide boat and crew washing facilities.
An extension to the Atlantic 21 boathouse was constructed in order to provide permanent accommodation for the stations second D class lifeboat. The extension was divided into two halves, with the remaining half being used as a purpose built souvenir sales outlet.
Framed Letters of Thanks signed by the Chairman of the Institution, Michael Vernon, were awarded to Helmsman Robert Fossett and crew members Mark Fossett and Roy Kidwell for the service on 21 October 1989, when the Percy Garon II launched in response to a Mayday message from the Sand Barge Margaret G with a crew of two on board. The barge was sinking in the vicinity of the South Shoebury Buoy in the Thames Estuary, in a strong gale and steel heavy seas. Whilst assisting the barge the lifeboats starboard engine stalled and when returning to station the port engine failed. Numerous attempts were made to restart the engines but without success. This was a harrowing experience in which the crew remained very calm despite the stressful weather conditions.
The Thanks of the Institution inscribed on Vellum was accorded to Helmsman Paul Gilson and Framed Letters of Thanks signed by the Chairman of the Institution, Michael Vernon, awarded to crew members John Foster and Clifton Warry in recognition of the skill and determination they displayed when the D class lifeboat went to the assistance of the Southend-on-Sea Atlantic 21 lifeboat Percy Garon II in a south-south-westerly violent storm, steep heavy seas and total darkness in the early hours of the morning of 21 October 1989. The Percy Garon II was on service when both engines failed and was drifting in dangerous waters at Shoebury Sands.
A commemorative plaque was unveiled on 24 January by Her Royal Highness the Princess Royal to mark the opening of the new Atlantic 21 boathouse, built on the pier head after the 1986 collision. The total cost of the boathouse and launching facilities, some £115,000, was met from the funds of the Royal National Lifeboat Institution.
The Thanks of the Institution inscribed on Vellum was accorded to Helmsman Paul Gilson in recognition of the skill and fine seamanship displayed by him when the Atlantic 21 class lifeboat Percy Garon II rescued the crew of two from the yacht First Knight on 23 August 1991. The yacht had suffered steering failure 19 miles east-north-east of Southend Pier in storm force winds, very rough seas and rain squalls. Framed Letters of Thanks signed by the Chairman of the Institution, Michael Vernon, awarded to crew member Clifton Warry for his efforts on board the yacht and to crew member Duncan Clark for his support during this service.
New D class lifeboat D527 placed on service on 27 October.
A Framed Letter of Thanks signed by the Chairman, Mr David Acland, was presented to the station for the actions of the crews of all three lifeboats after a sailing dinghy race was hit by rapidly deteriorating weather on the afternoon of 3 January. All the race participants were capsized or sunk and the weather dispersed the dinghies over a wide area.
Bronze Medal awarded to Helmsman John Foster and the Thanks of the Institution inscribed on Vellum accorded to crew members Michael Whistler and Ian Rees in recognition of their skill and courage when, in poor visibility, deteriorating weather conditions, and heavy seas they rescued three people from the angling boat Lady Jane in the stations Atlantic 21 inshore lifeboat on 24 October 1999. The Walter and Elizabeth Groombridge Award for 1999 was given for this rescue, as being the most meritorious performed by an Atlantic class lifeboat. Further honour was bestowed upon them by Southend Borough Council when they awarded them the Mitchell Cup.
A new boathouse completed in July at a cost of £696,186.
A Framed Letter of Thanks signed by the Chairman of the Institution Mr Peter Nicholson awarded to Helmsman John Foster for his leadership and fine seamanship when the Atlantic class inshore lifeboat rescued the crew of three and saved the angling boat Sea Breeze early in the morning of 12 November 2000. This service was conducted in darkness, rough seas and gale force winds close to the sea wall near the Westcliff Leisure Centre.
New station B class lifeboat B776 Vic & Billie Whiffen was placed on service on 8 December.
A Framed Letter of Thanks signed by the Chairman of the Institution Mr Peter Nicholson awarded to Helmsman Stewart Olley (B776) and Helmsman Michael Whistler (D527) for their determination and skilful seamanship when the two lifeboats saved the crew of three and the angling boat Badger in rough seas and a west-south-westerly Force 9/10 Strong Gale on 9 March 2002.
The Service above in 2002, is recognized by the Southend Borough Council who present Michael Whistler and Tony Bonham with the Mitchell Certificate
Hovercraft H004 Vera Ravine was placed on service on 10 July. The new boathouse for the hovercraft completed in September at a cost of £86,046
New D class D633 in replacement of D487 named 'Pride of London Foresters' placed on service in February 2005.
Colin Sedgwick, Lifeboat Operations Manager, honoured for 40 years Service to the organisation with the RNLI's highest accolade, the Gold Badge. Started as a member of the crew in 1965, serving on the Inshore Lifeboat, the Offshore Greater London 2 and the Percy Garon 1. Promoted to Helmsman in 1968, then moved on to DLA (District Launching Authority) in 1978. He has held his present position, now known as Lifeboat Operations Manager, formerly Honorary Secretary since 1982
The new station D class lifeboat D682 The Essex Freemason was placed on service on 5 November. This lifeboat was generously funded by The Essex Freemasons. Lifeboat D-527 has been withdrawn.
Letter of Thanks presented to Helmsman Tim Sedgwick and crewmen Terry Halls and Tom Kemp for their part in the rescue of 4 people from a sinking yacht. More details to follow.
New Inshore slipway built as part of Inshore redevelopment work. Hovercraft launch greatly enhanced.
July 16th: New Inshore Boathouse opened by HRH The Duke of Kent.


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subset: commoncrawl


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Tehran Times Exclusive Interview with Arshin Adib-Moghaddam
By: Javad Heiraninia
A University of London instructor believes Iran "is in the enviable position to be able to establish cordial relations with all major powers." Arshin Adib-Moghaddam also says Iran has the potential to reap benefits from both the West and the East. "Iran has all the potentials to traverse both hemispheres," Adib-Moghaddam told the Tehran Times in a recent interview. He added, "In a functional foreign policy that is politically mature, the national interest of Iranians would be maximized in accordance with a new rationale: ham gharbi ham sharghi, jomhouri eslami (both East and West, Islamic Republic)."
Following is the text of the interview:
Q: Some analysts say Russia is likely to get more involved in the Middle East and other hotspots. They say this involvement will not reach the level of the Cold War between Russia and the United States, though it will somehow manifest rivalry between the two powers at flashpoints. In regard to this analysis, how can a rapprochement between Tehran and Washington affect Iran's relations with Russia?
A: Russia under Putin has pursued a rather more assertive foreign policy, not only in West Asia and North Africa but also in its immediate neighborhood, as the current crisis over Ukraine indicates. Syria is another good example for Russian assertiveness and Moscow's clear goal to reestablish the country as a strategic player in the region. Iran is pivotal to this strategy. It should not be forgotten that Russia (as well as China and India) have profited both economically and politically from the estrangement between Iran on the one side and the United States and the European Union on the other. These countries maximized their access to the Iranian market, which was only possible due to the sanctions. Iran has lost out because of a lack of competition over investment in the country, especially, of course, in the oil and gas sector. While Russia has an interest in stability in the region, given that it is not insulated geographically from it as the United States is, Moscow is wary about any strategic reengagement between Iran and the United States exactly because it would mean that Iran has a better bargaining position, both diplomatically and economically.
Q: Generally, what is the nature of Russia's foreign policy toward Iran?
A: It should be noted that in theory Iran is more important to Russia than the other way around. In a situation where Iran has normal relations with the European Union and the United States, Russia (and China for that matter) would be relegated to one factor among many. Iran would not have to be dependent on the whims of Moscow and Beijing when it comes to its international relations. It has been one of the unique achievements of the Islamic Revolution that successive governments are measured in accordance with their ability to safeguard Iran's independence. Independence, and the realization of the country's national potential, after all, is what every Iranian citizen wants, inside of the country and beyond. But in the last decade or so, the nation has been confronted with a strange paradox. While we have called for independence from the "West" we have increased our dependence on the "East". In a functional foreign policy that is politically mature, the national interest of Iranians would be maximized in accordance with a new rationale: ham gharbi ham sharghi, jomhurye eslami (both East and West, Islamic Republic). Iran can take advantage of its immense resources in east and west, north and south. Such a pan-geographical foreign policy maximizes the national interest and by extension the independence of the country within an intrinsically dependent world. It would signal a historic shift from latent independence to manifest independence, which has been one of the central goals of the revolution. I have unravelled this progression in my newest book On the Arab Revolts and the Iranian Revolution: Power and Resistance Today. So far, no Iranian state in modernity has managed to pursue this move towards a pan-geographical foreign policy. We were either too "Western" or too "Eastern". Iran has all the potentials to traverse both hemispheres.
Q: What is the importance of Iran to Russia?
A: A reconstituted foreign policy orientation that embeds Iran's foreign policy orbit beyond the confines of geography; strategic preferences that affirm Iran's potential role as a global player and a force for stability and peace are conducive to relations with regional states and Russia as well. We are not in the early 20th century anymore when Iran was divided along spheres of influence, Russia in the north and Britain in the south. Neither is this the Cold War. We are living in an emergent multi-polar world order. Since the revolution of 1979, Iran has managed to divorce itself, as much as possible until today, from a colonial mindset which is always haunted by an inferiority complex that confines national interests to ideological dependencies. Over three decades into the Islamic Republic it is time to assume a positive attitude towards the present and the future. It is not a coincidence that Iran's most strident enemies have tried to jeopardize the rapprochement with the United States. They are aware that normal relations with the U.S. will liberate Iranian foreign policy from the current constraints. History should not be a burden: Indeed, if anything, Iranian history records more grievances against Russia (from the "treaties" of Golestan and Turkmenchai to the Azerbaijan People's Republic, which occupied the north of the country from 1945 to 1946) than against most other countries. Moreover, if the freedom of expression and human rights of Muslims is a factor, then Britain, the United States, Germany, etc. fare by far better than Russia and China, who are both engaged in mini-civil wars against their Muslim minorities. As indicated, Iran's foreign policy does not need to be selective due to those reasons, historical or otherwise. The country is in the enviable position to be able to establish cordial relations with all major powers. The current changes in world politics promise to deliver a non-colonial world order; best to make the utmost of the opportunities that this brave new world promises and to position Iran as a global powerhouse for international peace and reconciliation.
*Arshin Adib-Moghaddam is a reader in comparative politics and international relations at the School of Oriental and African Studies (SOAS) of the University of London.
Source: Tehran Times - Iran's Leading International Daily
More By Arshin Adib-Moghaddam:
*Geneva Nuclear Deal a Historical Opportunity with Only a Win-Win or Lose-Lose Result: http://www.iranreview.org/content/Documents/Geneva-Nuclear-Deal-a-Historical-Opportunity-with-Only-a-Win-Win-or-Lose-Lose-Result.htm
*Netanyahu Administration Nervous about Iran-US Talks: http://www.iranreview.org/content/Documents/Arshin-Adib-Moghaddam-Netanyahu-Administration-Nervous-about-Iran-US-Talks.htm
*Iran's Diplomatic Offensive Is Making Netanyahu More Nervous: http://www.iranreview.org/content/Documents/Iran-s-Diplomatic-Offensive-Is-Making-Netanyahu-More-Nervous.htm
*These views represent those of the author and are not necessarily Iran Review's viewpoints.


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Welcome to Clanfield FC's Website.
As an FA Charter Standard Community Club, Clanfield FC aims to provide a safe, enjoyable, learning environment for all children and adults. We offer training sessions for all ages and abilities and teams compete in countywide and local leagues; including the Hampshire Premier League, Portsmouth Youth League, Winchester and District Girls League and Mid Solent Youth League..


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At what point during your real estate purchase you should consult a lawyer to clearly understand what you are committing to?
The Lawyer handling your real estate purchase carries out the instructions that are agreed upon in the contract. The time to make changes and corrections is before the document is Firm and Binding.
Your contract should include a condition for Financing for a specific period of time, if you are obtaining Financing. It should also include a Clause for a Home inspection by a Qualified and Licensed Home Inspector. Additional Visits into the subject property for trades, people to quote for repairs, renovation and measurements require an additional clause. Be sure to include that the SELLERS will give permission for trades to take pictures and measurements. Visits are meant to show your family what you purchased or re-measure for draperies.
This is a good time to include the Home Owners Insurance Broker and a Search of the Insurance Claim history. Have there been any previous flood or fire damage claims? Does the house have old wiring or an oil tank? Call for details.
It's most important today, to make sure that all your closing costs are capped from the builder/ developer to be a specific amount should municipalities change their lot Levy's; while you are dealing with the Period of Rescission. (cooling off period)
Once an Offer to Finance has been received; Commitment Letter, it will often detail the LENDERS requirements. Review this carefully with your lawyer and Mortgage Broker that you can accommodate all the required terms.
The contract should clearly state IF there is additional HST applicable above the purchase price.
Title Insurance is often a mandatory request that is purchased at the time of closing.
You will also pay Land Transfer Tax on the amount of the Purchase Price.
Searches need to be conducted for any outstanding work orders from the City PLUS any judgements or liens against the property. (that the previous owners may have) The utilities and taxes need to be verified. You may be eligible for Tax Rebates as First Time Home Buyers. Land Transfer Tax calculator.
Your real estate lawyer works in your best interests to secure, probably the most expensive purchase families make. During the time you are at the lawyers office, give some thought to how you hold title (who's name the house be registered) whether it is Joint Tenancy or as Tenants in Common. This is the time to discuss survivorship, your will and testament.
You will receive a Statement of Adjustments (who pays for what) prior to closing, preparing you for the amount of funds to bring to the closing inclusive of fees, taxes and net of your deposit. You will need to bring Photo ID and a credit card for Identification.
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Thursday, June 27, 2013
Stan Gelman - Hiring Real Estate Lawyer Mississauga
Wednesday, June 5, 2013
Rent Controls will impact your Toronto Investments
A lack of affordable housing has been problematic in Toronto for decades. Metro Housing is in decay and has a huge backlog of repairs in addition to a long waiting list of applicants. Rent geared to income housing is a small portion of the rental pool and in the last 20 years individual investors have purchased units for rental purposes and placed them in the secondary markets.
The Federal Government has introduced the Affordable Housing Act with Bill 140 passed in January or 2012 but municipalities have yet to embrace available 140K per unit in construction or remodelling assistance.
The Federal Government has introduced the Affordable Housing Act with Bill 140 passed in January or 2012 but municipalities have yet to embrace available 140K per unit in construction or remodelling assistance.
The LTAHS provides recognition of the important role played by municipal Service Managers in long-term planning of the housing and homelessness service systems in Ontario. The Strategy also proposes a new approach for funding of housing and homelessness services that is intended to reduce administrative complexities and create greater local flexibility in identifying priorities and innovative solutions. In some areas, the new Housing Services Act is less prescriptive and gives Service Managers greater flexibility than the previous SHRA.
It's not that a landlord has a tough time finding tenants; The Residential Tenancies Act provides free legal services to Tenants in addition access to Duty Counsel at Hearings. The Landlord must now be represented by a licensed Paralegal or Lawyer, unless they are experienced in the process.
The Human Rights Tribunal has decided that Credit Bureau's and Beacon Scores can not be used to determine the applicants ( tenants ) worthiness for an apartment or rental unit. (I would like to try that at my Bank with a Mortgage Application) http://www.ohrc.on.ca/en/about-commission
But the governing Liberals are unlikely to see the rent control question the same way. Ontario's Minister of Municipal Affairs and Housing Linda Jeffrey said this in a statement at the end of April:
The post-1991 rent exemption was originally introduced – and has been maintained over time – as an incentive for private landlords to build new rental accommodation. This incentive not only helps to renew the rental housing stock but also creates jobs in the construction sector. As such, any changes to this incentive could have an adverse effect on the rental housing sector, the economy and job creation.The NDP are hoping for a change of heart, especially as the provincial opposition have the Liberals survival — with a crucial budget vote yet to come — in their hands. They're also arguing that the construction boom intended by the rent control changes haven't been successful.
Forster notes that most of the new construction have been condos, sold to investors and then rented out second-hand, and not rental buildings.
"This misguided rule has not accomplished what it was meant to, and very little new rental housing has been built," said Forster. "For tenants living in these newer buildings, it has been 20 years of uncertainty and unfairness."http://o.canada.com/2013/06/04/ontario-ndp-wants-to-close-rent-control-loophole-open-since-1991/
Governments control increases to HST/GST that have increased maintenance fees; The Ontario Government controls the Hydro Billing Rates (because they need approval) Cities and Municipalites control Tax rates, water and sewage pick up fees billed directly to Condo Buildings. NONE can be lawfully passed to a tenant in a Rent controlled building.
Vacancy Factors in Toronto are current near 1%.
If there is no available social housing, and Independent Condominium Investors have stepped up to invest in their properties and the Government then CAPS the rental increases [while clearly charging more for different services] there will be a sharpened increase in the number of TENANTS looking for units as landlords EXIT the rental pool as their profit margin is impacted.
If the NDP are successful in capping the Rent will you keep your rental unit or sell?
I personally think there are too many PLAYERS tinkering with the real estate market; from Double Land Transfer taxes in Toronto to increasing Lot Levies, Shortened Amortization Periods, multiple providers of tenant counselling services and well meaning but hazzardous legislation setting profits and ROI.
When did it become embarrassing to make money? What's your opinion?
Keeping It? or Selling it? Call me!
Keeping It? or Selling it? Call me!
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Russia: Selena Gomez Visa Yanked over LGBT Rights Petition
A Change.org petition asking Selena Gomez to speak up about LGBT rights during her Russian concerts received over 12,000 signatures in one day. And now the Russian government has revoked the platinum-selling singer's visa. The twenty-one year old Gomez, who got her start on Barney & Friends and dated Justin Bieber before he turned into a chavy douche, was scheduled to play St. Petersburg's Ice Palace on Sep. 23 and Moscow's Olimpiysky stadium on Sep. 25.
The petition, organized by John Becker, managing editor of Bilerico Project, called on Gomez to
stand up for Russia's LGBT community when she's in Russia next week.
Both Madonna and Lady Gaga spoke out for LGBT rights at their concerts last year, and Cher has said she turned down an offer to open the 2014 Sochi Olympics. Elton John is scheduled to play in Russian in December, though his visa has not yet been issued. And it might not be, given Sir Elton's recent statement:
I'm supposed to be going to Moscow in December. I've got to go. And I've got to think about what I'm going to say very carefully. There's two avenues of thought: do you stop everyone going, ban all the artists coming in from Russia? But then you're really leaving the men and women who are gay and suffering under the anti-gay laws in an isolated situation. As a gay man, I can't leave those people on their own without going over there and supporting them. I don't know what's going to happen, but I've got to go.
In a statement, Becker told E! Online:
This cancellation of Selena Gomez's visa shows that the Russian government is sensitive and on the defense, and shows that the pressure from people all around the world and the backlash against these laws is strong. They're afraid to have someone like Selena Gomez come in and potentially use her platform to advance LGBT rights.
Madonna and Gaga are facing lawsuits for promoting
to those under 18. That statute is part of larger effort to crack down on LGBT Russians. In response to harsh anti-LGBT laws and rhetoric there has been a boycott on Russian vodka in bars across the United States and a call to boycott the 2014 Olympics.


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ST. LOUIS (AP) -- Steven Jackson knows exactly how many yards it will take to become the St. Louis Rams' career rushing leader.
He passed Marshall Faulk for second place last weekend, ignoring a groin strain, and it won't be long before he barrels past Eric Dickerson and into franchise lore.
"It's 254 yards to tie, 255 yards to break it," Jackson said Thursday.
"But," he added with a chuckle, "Who's counting?"
Jackson has already cemented his spot as a crowd favorite, winning over fans who felt cheated by a contract holdout a few years earlier and who offered, at times, only grudging appreciation. Many were standing in appreciation when officials stopped Sunday's game and made sure Jackson got the ball after passing Faulk.
"It's like one of those things where the marriage now has finally come to fulfillment," Jackson said. "Everyone understands each other, everyone appreciates each other and we all know what we have in the relationship.
"I think I'd rather start this way than go the opposite way, meaning coming in and being loved and going out a different way."
Jackson was the Rams' first-round pick in 2004 out of Oregon State as the heir apparent to Faulk, and was the backup that first year. Since then, he has been the focal point of the offense, and has 6,991 yards rushing while becoming the first Rams player to post five consecutive 1,000-yard seasons.
Dickerson had 7,245 yards from 1983-87.
"It's a moment I'm looking forward to," Jackson said. "And when it happens I'm going to share it with the offensive line."
Jackson held one finger aloft after the 15-yard carry that eclipsed Faulk, but not as a proclamation of his talent. He said he was pointing to his mother in the stands.
Last week, Jackson practiced only one day and was limited, too, then suited up on game day with a pair of compression shorts plus a protective wrap. Even though he had to run with a choppier stride, he had 70 yards rushing and 64 yards receiving in a victory over the Seahawks.
He's fourth in the NFC with 284 yards and a 3.9-yard average thus far for the rebuilding Rams (2-2), who play Sunday at Detroit (0-4). The Rams will be going for their first three-game winning streak since the final three games of the 2006 season.
"I just think it's what all gritty players do," Jackson said. "I'm not trying to get a pat on the back or win anybody over by being tough, I just think that's how the game should be played and that's how I pride myself on playing.
"If it's something I feel I can play with, I'm more than willing."
Jackson is feeling much better this week, practicing the last two days. He had one of his best days last year at Detroit, rushing for 149 yards and scoring the clinching touchdown on a 25-yard fourth-quarter jaunt in the Rams' lone victory.
Jackson and Lions defensive tackle Ndamukong Suh have the same agent, and the running back and No. 2 overall pick hung out this summer in Las Vegas, Jackson's home town. Jackson teased Suh, who's from Portland, for choosing Nebraska and not Oregon State, but came away impressed by a rookie that he compared in character with Rams quarterback Sam Bradford.
"He's someone that's kind of like Sam, has a world of talent but very humble, very respective," Jackson said. "Just spending a little bit of time with him, you can see he has his head on right."
Even if he's not at full strength, Jackson will help his rookie quarterback get things done just by lining up in the backfield. The Lions will have to respect the run, giving Bradford more time to throw.
"Me being on the field, if that keeps the defense honest or keeps the defensive coordinator worried about his play-calling, I feel like I've done a little bit of my job already," Jackson said.
He's definitely on the Lions' minds, especially after last year.
"Steven Jackson took that game over, particularly at the end, and he put the Rams on his back," Detroit coach Jim Schwartz said. "He's got that capability."
(Copyright 2010 by The Associated Press. All Rights Reserved.)
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Originally posted by kozmo
ALL of this could accomplished by not firing a single shot - if Americans would just grow a pair and STOP participating in the BS system!
When in the Course of human events, it becomes necessary for one people to dissolve the political bands which have connected them with another and to assume among the powers of the earth, the separate and equal station to which the Laws of Nature and of Nature's God entitle them, a decent respect to the opinions of mankind requires that they should declare the causes which impel them to the separation.
We hold these truths to be self-evident, that all men are created equal, that they are endowed by their Creator with certain unalienable Rights, that among these are Life, Liberty and the pursuit of Happiness. — That to secure these rights, Governments are instituted among Men, deriving their just powers from the consent of the governed, — That whenever any Form of Government becomes destructive of these ends, it is the Right of the People to alter or to abolish it, and to institute new Government, laying its foundation on such principles and organizing its powers in such form, as to them shall seem most likely to effect their Safety and Happiness. Prudence, indeed, will dictate that Governments long established should not be changed for light and transient causes; and accordingly all experience hath shewn that mankind are more disposed to suffer, while evils are sufferable than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations, pursuing invariably the same Object evinces a design to reduce them under absolute Despotism, it is their right, it is their duty, to throw off such Government, and to provide new Guards for their future security. — Such has been the patient sufferance of these Colonies; and such is now the necessity which constrains them to alter their former Systems of Government. The history of the present King of Great Britain is a history of repeated injuries and usurpations, all having in direct object the establishment of an absolute Tyranny over these States. To prove this, let Facts be submitted to a candid world.
Originally posted by endisnighe
Alright OP, time for my response, see if you can pick it apart so easily. Or if you will even try.
As you wish but this is not the intention of the thread.
Remember, you asked for it.
I wanted to learn from you, not debate you point for point.
1) Snip
Way too subjective, judicially impossible, conceptually unrealistic, ideologically schizophrenic.
2) Snip
I like the first third, but it seems all of a sudden that more than a little socialism is not such a bad thing after all then.
The profit distribution would have to be weighted according to some matrix that would reflect the real value, and the states balance would have to be based on reconciliation of that's states utilization of federal resources. (a natural disaster would break the State's economy using this policy)
The monetary system you propose, ignores, the fundamental change in what a commodity is, but you did say and other type, so we may come to terms on this one.
3) Snip
I agree 100%
4) Snip
More Socialism, actually closer to Communism, but, guess what, I agree, if we include religious organizations, private individual holdings external to the US, and foreign owned assets in the US.
5) Snip
Instant is again a pipe dream. Null and void in who's version of what Constitution, not if you mean the one you describe in clause 1. How about we use the one we have. But I agree about the contracts and bidding 100%
6) Snip
You mean make believe that we live in nirvana, and everybody loves us so much that they will not cause our destruction by proxy after we destabilize the globe, and surrender to China, Russia, and any other wannabe Superpower? No Efin way. But we could stop acting like imperialists and work with our allies to reduce our military presence on foreign soil to a minimum. We could also stop entering into wars for the profit of the MIC.
7) Snip
Here you are showing a lack of critical thinking and an ignorance of due process. Your tariff is a number you pulled out of your ear, and you would have to jail most of the people that own, and run the vehicles that drive the economy.
We need to have immigration reform that does not bankrupt the country, and that is in line with our moral fiber, and foundation as a Nation. You propose to process 12+ million people through a very complex judicial system, and adjudicate this all in 6 months. The only way to do that would be, concentration camps, gas, and ovens, and it would take years of ethnic cleansing to accomplish turning America into the Fourth Reich. There would be another Revolt, and it would be justified.
8) Snip
The Nation of Immigrants will allow no Immigration at all. We only allow people to Immigrate to be placed in jobs, and never if we have high unemployment. Sounds like the start of a caste system.
No. This Nation was created by and for Immigrants. First of all we already have quotas (LOOK IT UP). Second, who are you to want to supplant the core principles that this Nation has held as Sacred since we won our freedom from our British oppressors with some Orwellian second guessed policy rooted in xenophobia? Maybe you should be the one to leave if you hate America so much.
Would that not affect how we are received and perceived outside of the US? Would we not be considered a parasite Nation?
You are also forgetting or ignoring Religious persecution based refugees, and Racially and politically oppressed people? We are not a Nation of turncoats. I'm starting to see why you hate America.
9) Snip
I agree
10) Snip
Unabated "here" is another one of those totalitarian concepts you seem to need to satisfy you control addiction. How about? Responsible exploration etc.. with that change, I agree.
Unabated can be interpreted to include your personal property, the detriment of the environment, health of the Citizens, and the destruction of Nature and animal life to capitalize resources without due forethought and consideration for the consequences of irresponsible usage of Natural resources. I strongly disagree with this one.
11) Snip
As long as it does not include private personal information about the Citizenry, I would agree.
12) Snip
You will have to be more articulate here, a Corporation is just one of many legally defined entities. Do you know what an S.A. is? The reason Corporations exist is not only as a tax shelter. Economics is a complex discipline, you need to put in more time to come up with an equivalent facsimile in function of not in form. Look it up.
13) Snip
You are mixing 2 separate things.
GMO's fall within the realm of Science, let's allow Scientists to have more say than religious dogma, and ignorance/fear based Politically manufactured techno-phobia in our decision making process related to technology.
Crazy agricultural regulations should absolutely be repealed not reassessed.
14) Snip
Yes, Yes, Yes, but you do mean corrupt politicians, not the Mafia right?
15) Snip
Why? and what for, it's a pathetic excuse to abrogate the current one, that is used by racists and other extremists to undermine the Constitution, and the 13th amendment.
16) Snip
1. This would be stupid as according to your previous Corporate statute would have eliminated what a Corporation is. Look it up and also think it through.
2. See 1. And it's a nonsensical sentence that has no rational meaning.
Ask you English teacher.
17) Would you like me to go on?
No, spare me, you are not intellectually stimulating, and your big effort to stump me somehow with your wit, was you bringing a knife to a gunfight.
I have no interest in debating you, intellectually you are a dolt.
I do not intend to debate everyone here just for the asking, nor do I want to have pissing contests.
READ the OP. It was not an invitation to a free for all, off topic personal battle.
Originally posted by OldDragger
reply to post by Sky watcher
All Mosques-Satanic churches will be smashed to the ground. God Jesus will be taught in all schools.
Another tyrant.
Gee, funny how all you loyal patriots, lovers of The Comstitution want to throw it right out the window and replace it's articulations of freedom with totalitarian/authoritarian draconion dictatorships.
Don't like freedom of religion huh? Just ONE of the freedoms the so called "patriots" don't like.
You guys are just deluded fools.
Originally posted by OldDragger
reply to post by bpg131313
4. All of Congress would be out on their ass. Before a new Congress was instilled, a vote would have to be held by the American people to add some new amendments to the Constitution.
Another tyrant whose first move would be to destroy the Constitution.
Yeah great, who "removes' Congress. Armed thugs? And you ignore The Constitutional process for Amendments. Great respect for The Consitution.
That is a dictatorship, a complete disregard for every hope and ambition the founders had for this nation, plus a spit in the face to everyone that has sacrificed to preserve our freedoms.


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Find a Hotel
Oxford Shopping
Today's Oxford, offers interesting shopping facilities, from the well-known high street names, modern shopping centres and malls to the interesting Victorian covered market in the High Street. From the University's shop, to many small specialists, offering old maps and prints, books, jewellery and local souvenirs you will find shopping interesting in Oxford.
|Hotels near the center of Oxford
|The Tower - Oxford Hotel
|from £80.00
|Macdonald Randolph Hotel
|from £134.00
|The Old Bank
|from £219.00
|Oxford Apartment
|from £162.45
|Vanbrugh House Hotel
|from £224.50
The Westgate Shopping Centre
Fully undercover on a single level, Westgate Shopping Centre is directly linked to the multi-storey car park in Oxford City Centre. The car park provides a Shopmobility service. The shopping centre is easy to reach by Park & Ride buses, and is found on the west side of the city, close to the station. Open on Bank Holidays except Christmas Day and Easter Sunday. The Westgate Shopping Centre offers a wide range of shops including stylish clothes for men and women, ranging from designer fashion to the latest high street trends.
The Victorian Covered Market
The covered Market is a Victorian shopping area in the centre of Oxford. It can be accessed from the High St., Market St., or through the Golden Cross Arcade in Cornmarket St. It was originally established in the 16th century in order to remove the 'untidy mess and unsavoury stalls' from the Oxford streets. Originally it housed only butcher's shops but eventually had a variety of food stalls. The covered Market has a good variety of traditional shops including butchers, green grocers, fishmongers, and a bakery. Several of the food shops have Oxford specialities including Oxford sausages, Oxford Lardy cake, Local rare breed meats and also the now world famous Oxford Blue cheese. Entering the Market from Market St you will be greeted by the gorgeous aroma of rich freshly ground coffee emanating from Cardew & Co. a specialist coffee shop. In addition to the fine coffees they also sell coffee making accessories and spares for traditional coffee making machines.
The Golden Cross Arcade
The Golden Cross arcade is a small picturesque courtyard of shops and cafes located in what used to be a traditional coaching inn. The present buildings date back to the 15th century and were host to Shakespeare, who performed plays in the courtyard, and the Oxford martyrs were also held here prior to their execution. According to a sign on the wall, there was an inn here first in 1182 so it's all quite ancient. Several old wall paintings have been discovered and some parts are on view in the Pizza Express, the only eating establishment in the arcade which also has a pleasant cafe area to chill in with nice sofas and music.


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Well yesterday I said I didn't want this blog to get too political, but after staying up until 5:30am to watch America elect Barack Obama, I can't help but comment. You may remember the Science Debate 2008 project, in which both Obama and McCain gave some promising answers about the future of science in America. Watching the President-Elect's speech last night, I couldn't help but be excited, particularly about this part in which he spoke of a 106-year-old woman and America's past:
A man touched down on the moon, a wall came down in Berlin, a world was connected by our own science and imagination. And this year, in this election, she touched her finger to a screen, and cast her vote, because after 106 years in America, through the best of times and the darkest of hours, she knows how America can change. Yes we can.
Science and imagination. America is rich in both; let's see it put to good use after 8 years of squandering. Go Obama!


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It's no surprise to see Ezra Klein attacking the record of the 112th Congress. He's a partisan, left-wing Democrat who spent the 111th Congress promoting Obamacare–a policy that most Americans continue to oppose and that brought Democrat one-party rule to an end. But in Klein's over-the-top, false attack on the outgoing 112th as the "rottenest Congress in history," he demonstrates a level of intellectual dishonesty that is symptomatic not just of left-wing columnists but also the warped thinking of the media in general.
Klein does not use the term "rotten" in its conventional sense, to refer to some kind of political corruption. If he did, he would have to acknowledge that the 111th was in fact far worse than the 112th, with its 9,000 earmarks in the 2009 Omnibus Spending Bill, the "Louisiana Purchase," the "Cornhusker Kickback," and the rest. The House of Representatives banned earmarks in the 112th Congress and will do so again in the 113th.
What Klein means by "rotten" is that the 112th Congress got little done. It passed relatively few laws, lurched from one artificial crisis to the next, and ended with low approval ratings from the public. Leaving aside for the moment the question of whether passing laws–even bad laws–is an appropriate measure of success, Klein leaves out two major facts. One is that President Barack Obama refused to co-govern with the opposition, and the other is that the Democrat-controlled Senate blocked almost everything the House of Representatives did.
When President Bill Clinton lost the 1994 midterm elections, he interpreted the result as a demand from the electorate that he moderate his positions. He did so–and achieved balanced budgets, welfare reform, and economic growth. President Obama, who spent the 1990s deriding Clinton's brand of center-left politics, chose to do the opposite–to tack even further left and to campaign perpetually against a "do-nothing Congress," gambling (astutely) that the media would not hold him accountable for how little it had done.
In the debt ceiling crisis and the fiscal ceiling crisis, Obama's goal was not to achieve policy gains for the left but to shatter the opposition. In the former case, he succeeded in branding the Tea Party as extremists; in the latter, he split the mainstream Republican leadership on the tax issue, leaving it divided and dispirited. In both cases, the House of Representatives voted for compromise–but was tarnished by its supposed intransigence. Meanwhile, Obama celebrated the fiscal cliff deal by re-committing himself to confrontation on the debt ceiling issue, which he refuses to negotiate –as if he had a choice, as if the rest of the government did not matter.
The fact that the Senate has been, by far, the more obstructionist of the two houses came to light dramatically in the fiscal cliff negotiations, when Majority Leader Harry Reid refused to offer a counterproposal to the last GOP offer, and Minority Leader Mitch McConnell had to call in Vice President Joe Biden–not President Obama, who played brinkmanship to the very last day–to get a deal done. Were it not for the leadership of the Senate Republican minority the fiscal cliff would have kicked in–as Obama and Reid may have wanted all along. It is worth remembering, too, that the Senate has not passed a budget in years–neither in the 112th Congress, nor in the last session of the 111th. It has also simply ignored dozens of House-passed economic bills.
If the 112th Congress is to be condemned because it failed to achieve much, some–if not most–of the blame lies with the President and the Senate. But Klein does not even mention that. Instead, he merely asserts that the 2010 elections "ensur[ed] that party polarization would lead to political paralysis." No, they did not. They ensured that the parties had to work together to get anything done–which is what Americans wanted them to do. But one side refused to do so, essentially refusing to acknowledge the legitimacy of those elections.
Klein's attitude is reflected by the media in general, which gleefully repeated the "do-nothing Congress" meme throughout 2012 without distinguishing between one house and the other. What the media's "tolerant" liberals could not tolerate was that Republicans had rebuked their candidate, that Americans did not want one-party rule by the Democrats, and that the country wanted an ideologically diverse government to reflect its diverse priorities. The same is true today–though media outlets like Politico are already trumpeting the possible return of one-party rule in 2014, thanks to the the fiscal cliff fallout.
Klein and his cohort do not like multiparty democracy. They do not like nuance, or compromise. They simply worship power–power that they imagine is theirs by right, and which they believe they exercise by proxy, through the Democrats.
What is "rotten" is not the 112th Congress, but a press corps that refuses to uphold even the pretense of fairness or accuracy.


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Cop killer and escape artist Merle Unger Jr. was listed in fair condition at the Winchester Medical Center following a high-speed car chase that led to his capture by the Virginia state police.
The 41-year-old Unger, who has escaped from prison a total of eight times, was on one-to-one guard in his hospital room last night, a hospital official said.
Unger was being treated for cuts to his face, a fractured nose and a fractured vertebra that he received when the stolen 1982 Lincoln Town Car he was driving flipped over while he was being chased by the Virginia state police at 7:15 yesterday morning. The Town Car crashed into an embankment and overturned when Unger took an exit off Interstate 81 at a speed of nearly 70 mph, police said.


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Assistant Professor, Computer Science
Armory 200, Albany
[email protected]
Ph.D., University at Albany, State University of New York
M.S., Syracuse University
B.A., State University of New York at Oswego
Best Teaching Moment
Seeing my students take-off with their career in IT and continue their studies at the graduate–level.
Dawit is currently an Assistant Professor and faculty program director for the CIS and IT-Cybersecurity programs at The Sage Colleges, and recently received the faculty of the year award for Excellence in Teaching and Academic Advising. Previously, he was a Visiting Assistant Professor at the College of Engineering and Applied Sciences, University at Albany, State University of New York. He received the President's Award for Excellence in Teaching in 2011. He has also served as a Lecturer/Instructor/ Course Developer at the State University of New York at Oswego, Hudson Valley Community College, Excelsior College and Syracuse University. He has also been a software engineer and a system consultant at various organizations in New York.
He has published and presented in major journals and conference proceedings. His research interests include use/adoption/impact of information & communication technologies (ICTs), health informatics, e-Government, and social & mobile computing. He has several articles under review. He is a constant reviewer for a number of international conferences in the information systems and information/computer science discipline
Last Book Read
Emotional Intelligence 2.0, by Jean Greaves and Travis Bradberry.


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This blog is for Trance listings of my Trancetastic: Uplifting Trance DJ mix selections and for additional information about this Up and Coming Artist!!
Saturday, 22 September 2012
Michele Cecchi - Illusion (Original Mix) - [Nile tunes Recordings] Release: Sept 25, 2012
Our Release this time is debuted by pure Italian artists, the Italian "Michele Cecchi" debuts his awesome single " Illusion ", A Great uplifting trance tune with a very epic sounds, amazing melody with great break piano and vocal chops, Giving the tune a nice atmosphere from start to end, Italy's amazing artist " Ciro Visone " took care of the remix duty on this release, adding some nice guitars and with his unique sounds creating a fabulous remix work on this one, always Ciro's sounds contains the unusual trance sounds.
We Hope You like it
NTR Team
|Release Date : 25.09.2012|
Notation: Nile Tunes Recordings.
Subscribe to: Post Comments (Atom)


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Still not sure if you should instruct us to help you? Please browse all our Totting Up Testimonials below to see what our happy clients had to say about us.
You can also use the 'Ask Our Clients' form on testimonials who are contributing to our Geoffrey Miller Solicitors' Interactive Testimonial Scheme.


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- Home
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- Forum
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- English Zone
- Students Corner
Preposition Usage
Preposition usage is an important part of the English Language, or any language for that matter. So just what is proper preposition usage
Prepositions are generally used to show the relationship between its object and other words in the sentence.
The following show preposition usage and the relationships of prepositions with the other words in the sentences they are in.
Remembering relationships will help you remember which preposition to use.
- Place (in, on, under, over, near, beside, etc.)
Your book is on the table.
- Direction (to, toward, into, through, etc.)
The football player ran through the stadium to the other end.
- Time (in, on, at, etc.)
We can meet at five oclock.
- Agent (by)
This book was written by a famous author.
- Instrument (by, with)
I heard the news by television. (Communication)
She came by bus. (Transportation)
He opened the door with a key.(Instrument or tool)
We use by + no article for communication and transportation.
Examples : by phone, by radio, and by bus, by car
- Accompaniment (with)
I like spaghetti with white sauce.
Mrs. Vajiona went to Thassos Island with her husband Georgios.
- Purpose (for)
He went to the store for milk and bread.
Never, Never use for + verb + ing to express the purpose of the verb.
Example : He went to the store for buying milk and bread. This is wrong usage and a common mistake!
- Partition / Possession (of)
?They painted the front of the building white and green.
?He broke the top of the table with his fist.
- Measure (by, of)
We buy our olive oil by the 16 kilo container.
Please buy a quart of milk from the market.
- Similarity (like)
- Mary walks like her mother.
- Capacity (as)
Bill worked as a fireman until a year ago.
Now you ve seen some basic preposition usage. Remember, it?s best to know/learn them in combination with other words. The next page deals with preposition combinations.


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The latest and greatest technology may be a boon to your home inspection business, but it's likely not covered by your E&O carrier. While tech advances quickly for inspectors, insurance companies have yet to catch up and therefore may not offer appropriate levels of coverage just yet.
ASC Blog Posts
Tuesday, July 1, 2014
Monday, April 28, 2014
Current economic trends suggest your appraisal practice will not survive beyond 2015.
Appraisers are running for the exits, with many moving into Ad Valorem, and some into cost estimating. Client accounts you thought were safe have been converted to ether and dispersed among a dark refinancing void.


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Check out reviews left by other students or leave your own review. You could win a free scholarship.Add your Review
Julieanne Overland Park, KS
Reviewer is A current student here.
1 of 3
Categories Comments Campus Safety
Even though it is in Westport which isn't the safest area of KC,MO, I do feel safe at school since the doors are locked and you need a badge to get in. Also, the parking lot is gated.
Clubs and Activities
Bang for the buck
While it is quite expensive to go here, it is an education that is well worth it. This school has a great reputation and the professors have years and years of combined experience. Some of the teachers have been with the college over 20 years which is great, and some of the teachers are newer and bring a fresh perspective to nursing which is nice, too!
What to do for fun
Join SLSNA and particpate in community events!
Food and Dining
It is in the heart of Westport, so there are lots of restaurants/fast food chains close. There's also vending machines, microwaves, stove/oven, and coffee maker available.
Academic Rigor
There is a lot of studying, but that is to be expected of a nursing program! The faculty work very hard to make sure the curriculum is up to date and follows what is expected for the NCLEX.
Tips for prospective students
Pay attention in your Physiology and Human Anatomy classes! This will help you so much with Pathophysiology! Also, get an NCLEX book and start practicing! There is no such thing as practicing too early for the NCLEX!
In three sentences
St Luke's College of Health Sciences is accredited and competitive BSN program. The Faculty here is amazing, want you to succeed, and do not try to weed out students. I am proud to say I will be a graduate from SLCHS.
Emily from Grandview, MO
Reviewer is A current student here.
2 of 3
Categories Comments What to do for fun
Plaza and Westport are full of shops and bars. It is also close to downtown Kansas City which has plenty of shops, movie theaters, and Power and Light which is a fun late night setting. One of my favorite things to do downtown is go to the river market which is a mix of farmers market, antique malls and Asian markets. The zoo and IMAX theater are also close. The best part about Kansas City is that there are so many parks that you can forget that you are in the city. Anytime I am getting overwhelmed I go to the lake and unwind. It makes hard classes seem that much easier.
Food and Dining
Westport is one of my favorite places in Kansas City. You are in close proximity to the Plaza as well which means that you are close to ethnic cheap food (Westport) and nicer out on the town food (Plaza).
Academic Rigor
Saint Luke's just changed thier program which has made classes flow together better, decreasing the stress and workload. Classes and knowledge just seem to fall into place.
Tips for prospective students
Make sure you get the suggested books. They are so helpful! Also if you are thinking about going into nursing and have the patience for it, go for a bachelors nursing program. It will pay off in the long run!
In three sentences
Saint Luke's is a small school which is a plus because you get to know your instructors. They also have a state of the art simulation lab that helps students learn and practice techniques in a safe fun way. Both of these things greatly increase the amount you can learn and decreases anxiety that goes along with nursing school.
Reviewer is A current student here.
3 of 3
Categories Comments Great for these types of students
students accustomed to small school/classrooms. students who might need more one on one with their teachers to learn certain things. students who like it when teachers know your name because they care.
Tips for prospective students
go if you like small focused atmosphere. prepare to study it is a bsn program after all.
Bang for the buck
its a bsn program at a private school. it is costly but still not as bad as some of the surrounding schools and you get a more focused one on one education. the staff actually cares and it isn't about a pay check.
Academic Rigor
this school has a small class size and great group of teachers/administration. they are overly willing to teach, stay after, and be one on one with you to give you any help they can. they want you to succeed! the school is affiliated with st. luke's hospital so they have their own access to teaching hospitals and the hospitals welcome you just as much as the college did. there is an over whelming feeling of unity and prosperity in st. luke's that you feel immediately. it is a great school and great environment for learning.


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Extended stay rates are often significantly less expensive by the month than by the week. For example, as of April 2015, Extended Stay America offers discounts of up to 31 percent off the nightly rate on one month stays or more, while it offers lesser discounts on shorter extended stays.Continue Reading
As of April 2015, InTown Suites also offers a discount known as the "Monthly Plu$ Rate" at some locations. This discount applies to stays of one month or more. When booking rooms at this rate, individuals should keep in mind that InTown Suites does not offer refunds if they move out earlier than expected.Learn more about Geography


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The hosts of Savor, Danielle Beck-Ellsworth, PsyD, MFT, CEDS and Kelly Hinds, RD, LD explore topics that are related to health, body image, nutrition, and mindfulness. Myths and misconceptions about dieting, obesity, and thinness are questioned and confronted. Dr. Beck-Ellsworth as a therapist and professor and Kelly as a dietitian, bring their years of experience to Savor to debate, discuss and sometimes disagree about the health messages in Western media.
Dr. Beck-Ellsworth had a vision to create a podcast that highlighted topics she feels passionate about… eating disorders, food, body image, health, dieting, self-care, weightism & "the obesity epidemic". She believes it is time to challenge unhealthy messages so ingrained in our culture that we often accept them without question. Having spent countless hours in social and professional settings discussing these hot topics with friends & peers, she knew there would be an audience.
The title, Savor, was chosen because the hosts approach topics from a mindfulness based approach. Join discussions about truly savoring health, relationships, the body and having meaningful time with yourself & others. This podcast cultivates a message of living in the present and encourages listeners to savor moments, savor food & most importantly, savor life!


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Lezyne Trigger Drive CO2 Inflator
Item: 40-1693
Thanks to the Lezyne Trigger Drive CO2 Inflator, now you can get easy, precise inflation in a compact design. Constructed with 100% CNC machined aluminum, this stylish CO2 inflator is equipped with Trigger Valve Operation for fast, accurate and controlled airflow. Twin Chuck head threads directly onto Presta and Schrader valves. It's compatible with threaded CO2 cartridges and features an antifreeze jacket to protect your hands during inflation.
- Compatible with all threaded CO2 cartridges
- Integrated dual threaded inflator head threads directly onto the valve for a secure, air-tight connection during inflation, plus its compatible with Presta and Schrader valves
- Trigger Valve Operation functions like a trigger, providing easy, fast and precise inflation
- CNC machined 7075 aluminum body, stainless steel hardware and hardened stainless steel puncture pin
- Includes threaded 16g CO2 cartridge


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Challenges? Yes! Compromises? No!
This is the motto of the revised F 800 GS – the sportiest member of the big GS family. These motorcycles in Maryland continue its longstanding success story, providing impressive versatility both on and off the road: the ultimate versatile enduro machine with sporty genes.
The front section of the body in particular has undergone significant transformation: the new fuel tank trim, intake snorkel, upper mudguard and a new windshield give the bike that extra dash of dynamic performance, reflecting the off-road side of the F 800 GS.
Lowering is now available as an option for the F 800 GS at our motorcycle dealer in Maryland. So in conjunction with the low seat, this means it is possible to create a seat height of 32.3 inches.
Meanwhile, ABS as standard, ESA (Electronic Suspension Adjustment) and the optional ASC (traction control) ensure the familiar degree of comfort and the necessary safety.
The F 800 GS comes in three exciting colour variants: Kalamata metallic, Alpine White 3 und Cordoba Blue. From tough and modern to athletic and dynamic – this bike is guaranteed to offer something for everyone.
F 800 GS: on and off-road have never been so close together. Test ride this Maryland motorcycle today.


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Well, it's that time of year again...the time of year when I make a promise to myself to update my blog more often.
This time I might actually stick to it. I have a whole list of new crafts that I'm excited to make and share, and I also have some new and helpful crafting hints that any crafter can easily implement into their works of art.
So what's new this week?
I've dabbled in almost every craft imaginable but what has stuck with me the most has been working with polymer clay. I LOVE the colors! So this week's project is working on combining some mirrors and clay together.
I'll be sure to keep you all updated on the results...promise:)


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Coast is the latest collection of drawings by Melbourne artist Rebecca Jones, inspired by spending three summers at the beach. The line drawings provide cues for space, weight, shape and depth, while the watercolour paintings exude a sense of the tranquility and lightness.
Rebecca Jones presented the Coast series at Otomys Gallery (Abbotsford, VIC) in November and December 2016. "I hope this exhibition triggers memories of saltwater and sun on the skin and sand underneath your feet and the freedom that the beach brings", said Rebecca.
Rebecca Jones is known for her innovative use of technology to enhance traditional painting (and drawing) practices. Her recent work employs iPad painting/drawing applications to give new meaning to working en plain air.
Melbourne artist Rebecca Jones works closely with companies and individuals, including De Bortoli Wines and Brown Brothers Wines (Victoria) and DMG Australia (Western Australia), to enhance their visual campaigns with artistic elements.
Melbourne-based, Rebecca Jones has been a full-time practicing artist since 2005. Her work reflects on the Australian landscape, light and colour.
Rebecca has studied in Australia and New York, and has held numerous residencies around Victoria including at the City of Yarra.
She exhibits regularly and often conducts workshops about the use of new media in drawing practice.
Follow Rebecca Jones on Twitter
Watch Rebecca Jones's videos on YouTube
Click images to enlarge them; view all photos on Instagram


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ROME, Italy -- Rescuers have pulled the bodies of at least four children from the rubble of a school in southern Italy where a strong earthquake sent a roof collapsing onto a Halloween party.
In the same village, a woman was killed when her home collapsed.
Twenty people have pulled alive from the rubble of the nursery school in the village of San Giuliano di Puglia, in the Molise region. Eight of those were seriously injured.


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Need a quote?
Save time and we'll contact 5 reputable DIN coupling systems companies for you
Click here!
Welcome to the DIN coupling systems business to business directory. Here you will find manufacturers, suppliers and distributors of DIN coupling systems, Air Line Coupling Systems, Cam & groove couplings and Camlock couplings around the UK.
Shaw Lane Industrial Estate, Doncaster, South Yorkshire, DN2 4SQ, United Kingdom
Danum Couplings Ltd are specialists in the supply of a wide range of couplings. We hold a large amount of stock from well-established manufacturers including Renold, KTR & Rexnord who have been in the business for as long as 100 years. Other brand names include Autogard, Mayr, Flender, Altra and HRC. Danum will always go out of their way to help customers find the best solution for their coupling requirements whether they work in Power Generation, Mineral Production, Extrusion, Conveying, Printing or Packaging etc. Call us today on 01302 367381 for advice and prices.
Unit 14, Moorbrook Park, Didcot, Oxfordshire, OX11 7HP, United Kingdom
Action Sealtite is a leading UK supplier of the complete range of Camlock couplings, Camlock fittings, Dry & quick disconnects, IBC fittings, DIN coupling systems, Water couplings, Air line couplings, Industrial hoses and more supplying throughout the UK and Europe meeting today's Health, Safety and Environmental requirements.


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We're proud to be selected among 20 of the most promising projects in Europe to participate next week to Seedcamp Berlin.
There, we'll meet with mentors from all over the continent to get feedback on our product and overall strategy. And the day after, some of the teams will be interviewed for an immediate investment.
I'm curious and excited to see what will come out of this experience!


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As usual peeps will be dressed daft and there will be lots of wine, mince pies and all sorts of Xmas gifts for you to buy, including my very own "Front Room Frogs" made by my own hand, hand stitched in my kitchen, they would like a good spot on your sofa but also like to go camping.
Now, I've been out and about lately e.g we had our works do early, below, oh dear? Neeta changed into Rudolf?
But also, you just can't leave the house these days without getting papped, below at a vintage fair a week ago
Although I think it was little cousin Ruby Doo that attracted all the attention, oh and of course Montee in his flying jacket.
So on with the painting (I hope to finish my last one this year this week) and then on with my Xmas hat for our Christmas bauble do at the club, I'm going to go with the Sun Bingo girl look!
More news soon! X


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All-On-Four Dental Implants Las Vegas.
The All-On-Four Dental Implant refers to a Nobel Biocare treatment protocol that involves placing the implants at specific locations, angulations, and depths. This procedure provides solid stability for a fixed prosthesis. It eliminates the need for additional dental implants, reducing the total cost of treatment. The protocol may also eliminate additional procedures such as sinus grafting, ridge augmentation, or ridge slitting. These additional procedures can be more traumatic for the patient.
After careful evaluation of the jaw using a ct-scan, a surgical guide is fabricated to aid in the precise placement of the dental implant. Dental surgeons who do not employ this technology have to open the surgical area greatly to visualize all the vital areas. Without the ct scan this additional surgical procedure becomes necessary in order to avoid structures like the sinuses or the important nerves.
Immediately after placement of the dental implants, a denture is adapted and the patient can start using the prosthesis right away.
After 3 months of healing, a new impression is taken to fabricate a final prosthesis. In most cases the prosthesis would be made of zirconia substructure and porcelain teeth.
This is a great dental technique. It allows patients to utilize the least number of implants to get a fixed prosthesis. Patients can immediately begin using their new teeth and enjoy all the benefits of life!
Watch the following video testimonial about All-0n-Four implant procedure.
Watch another All-on-Four testimonial from a out of state patient.


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StonePeak will be showing off our tile at NeoCon East for the first time during its 9 year tenure. Having been a part of NeoCon and NeoCon West in the past, we are looking forward to joining one of the premier design shows for Architects and Designers along the East Coast.
The show will be held in the Baltimore Convention Center from Wednesday, November 2nd through the 3rd. With over 8,000 industry professionals anticipated to be in attendance it is sure to be an extraordinary experience.
Our booth really accentuates a designer's dream with an original layout, along with numerous panels showing the diversity of our tile. We will place emphasis on our ACTIVE campaign as we strive to entrench our role as a leader in making the world a greener place, one tile at a time.
If you are in the area be sure to come check out our booth, #2680.
Read about how the Set Up went. Pictures


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Stone tile cutter suitable for cutting materials such as floor tiles, window sills, marble and gravel tiles. The sophisticated design and simple controls make your work extra easy. The machines are easy to carry with you and set up at any location.
- Adjustable angle stop for sawing at different angles
- Mitre sawing up to 45°
- Available with a low-noise saw blade
Your selection
That's Boels!
|From price
|Code 11104
|per day € 62,92 including 21% VAT per week € 157,30 including 21% VAT
|max. sawing depth (mm)
|110 with 90°, 80 with 45°
|max. saw length (mm)
|Ø diamond saw blade (mm)
|power (W/V)
|2.200 / 230
|transport dimensions (cm)
|173 x 77 x 135
|weight (kg)
All prices include 21% VAT and exclude costs for maintenance, fuel, oil, wear and tear, transport, cleaning, accessories and various attachments, any environmental taxes and surcharges for damage waiver and fire/theft schemes.
POA = price on application
That's Boels!
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Make It Better looked at ski resorts world-wide to find the Top Kids Ski Destination with interactive ski schools, kid-friendly restaurants and fun off-slope activities for families with kids of all ages. It is not a surprise to us that one of our local resorts placed first!
"Snowbasin Resort has a dinosaur-themed snow sports school and ski school for children divided by age groups (4-6 and 7-12 years old)…."


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Recent images :
- Fleet support vessels, RFA Sir Galahad, Sir Bedivere and Sir Tristram
- Chesters Roman Fort - East gate
- Type 21 Frigate - HMS Alacrity
- Dodge Weapons Carrier and DHC Beaver
- English Electric Lightning F53
- American War of Independance - Loyalist fighter
- Fairey Gannet AEW.3
- American War of Independance - Loyalists
- American War of Independance - Loyalists
- WW2 Russian 13th Guards - Sniper
Pembroke War Memorial
Images copyright © Graham K Cook. Click on the entry for a larger version
The war memorial outside the main entrance to Pembroke castle.
Pembrokeshire, Wales. August 2004


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Archives and Special Collections
Waidner-Spahr Library
Dickinson College
P.O. Box 1773
Carlisle, PA 17013
Born into a Quaker family on May 7, 1799, in Elizabethtown, PA, Edwin Pitt Atlee moved to Philadelphia with his family at the age of eight. As a child he was tutored by Benjamin Tucker, an active member of the anti-slavery society. Atlee went on to study medicine at the University of Pennsylvania. He joined the Pennsylvania Anti-Slavery society in 1821. Atlee was also a Pennsylvania delegate to the American Convention for the Abolition of Slavery. He served as president for schools under the direction of the society for several years. Edwin Atlee died on December 25, 1836.


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Liverpool transfer news: Marc-Andre ter Stegen to cost £23m, Cristian Tello targeted, Mario Balotelli to West Brom
Liverpool suffered a disappointing defeat to Manchester United at the weekend and will surely need to make more transfers this January to have any hope of making the top four.
The Reds are currently ninth in the Premier League table, eight points adrift of the top-four place they so crave.
Who could Jurgen Klopp look to to strengthen his side? Here's a look at the latest transfer gossip…
Liverpool cleared to sign Marc-Andre ter Stegen for £23m – report
Liverpool have been told they can sign Barcelona goalkeeper Marc-Andre ter Stegen for around £23million.
The Germany international has struggled for playing time since moving to the Nou Camp and has recently been linked with a move to Anfield.
Reports now suggest Barca are ready to let the 23-year-old move, but it would take a big bid for Liverpool to land him.
Liverpool eye late swoop for Barcelona forward Cristian Tello – report
Liverpool could also be lining up a move for another Barcelona player in Cristian Tello as they look to bolster their attack.
The Spanish forward is currently on loan at Porto and seems unlikely to earn a place in Barca's first-team.
Liverpool now hope they can tempt the Catalan giants into selling the 24-year-old before the end of his two-year loan in Portugal.
Mario Balotelli a shock transfer target for West Brom – report
Finally, one striker on the way out of Liverpool could be Mario Balotelli, who is a rumoured target for West Brom.
Manager Tony Pulis is seemingly keen on the controversial Italian, who is currently on loan at AC Milan for the 2015/16 campaign.
Balotelli struggled in his single season on Merseyside and seems likely candidate for the exit door.
MORE: Ridiculous stat shows how badly Liverpool need a new striker


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DIY Wedding Ceremony Ideas and Vows Book
Choose the perfect words ...
Make your wedding day the most unforgettable day of your life!
This award winning, bestselling book is full of memory making words, thoughts and ideas to help any couple
Sample Wedding Ceremony Script
FREE Gift - Give this gift to all of your engaged friends. Excerpt from the book (printable):
Elements of a Wedding Ceremony and Their Purposes (PDF file)
View Media Release for the book (printable):
"DIY Wedding Ceremony Media Release" (PDF file)


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The Black Watch Castle & Museum will commemorate the centenary of the First World War with exhibitions, events, a memorial wall in the grounds and an offering for schools.
Our exhibition plan will be updated as the commemorations continue.
October 2015-January 2016
The Battle of Loos
November 2016-January 2107
Next of Kin
In partnership with Perth Museum & Art Gallery, through a selection of these family keepsakes, this exhibition from the National War Museum of Scotland presents a portrait of Scotland at war, where the private lives of Scottish families introduce some of the themes and events of the conflict across the fighting fronts.
February-May 2017
Joseph Lee: Poet, Artist, Soldier
June-September 2018
From the trenches: exploring the First World War through letters, sketches, diaries and maps.
Memorial Wall
The Black Watch Castle and Museum officially unveiled a First World War Memorial Wall amidst commemoration events for the Battle of the Aisne on the weekend of 13/14 September 2014.
The Black Watch First World War Memorial Wall project will focus on the heritage of The Black Watch in the First World War, and the ramifications of that War on the Regiment, specifically that we – as a Nation, as a community – now remember those who fell in battle, and recognise the contribution they made.
From 3 September 2014 and throughout the First World War centenary, a cross will be hung on the Wall for each soldier killed on that day. The names will be read out and the crosses hung during a ceremony at 11am on nearly every day during the rest of the centenary period. Find out more about the Memorial Wall and dates for ceremonies here.
The Memorial Wall project has been made possible throughout funding from the Heritage Lottery Fund for Scotland, and the support of The Black Watch Association, the Lady Haig Poppy Factory and the Guildry Incorporation of Perth.
Keep up-to-date with the progress of the Memorial Wall on our Facebook Page.


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4:30 2013 Hartford Marathon!!
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I was not a fan of this class but I definitely felt the burn regardless.


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A major medical United Health Care student insurance policy is available for domestic and International students.
View all the pre-enrollment requirements for UNO including immunizations and other information.
Learn more about the immunizations available through Health Services and what's required by the University.
View and download forms you'll need before making a visit to the Health Services office.
The UNO Collegiate Recovery Community hopes to build a common and safe space for students in recovery from addiction to congregate, socialize, support one another, and build academic success.
Your fees paid at the time of registration provide you with a free consultation or visits with office staff. This includes medical doctors and nurse practitioners. Additional fees are required for X-ray services, lab tests, and immunizations.
For medical emergencies on campus, call Public Safety at 402.554.2911. Counseling and Psychological Services is also available during an emergency situation to provide assistance at 402.554.2409.
Health Services
8:00 A.M. - 5:00 P.M. | Mon. - Fri
The University of Nebraska does not discriminate based on race, color, ethnicity, national origin, sex, pregnancy, sexual orientation, gender identity, religion, disability, age, genetic information, veteran status, marital status, and/or political affiliation in its programs, activities, or employment. Learn more about Equity, Access and Diversity.


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While seasonal demand has returned to the market in strong force, the rise in home prices has slowed and mortgage rates have actually declined.
Chicago, IL (PRWEB) May 21, 2014
Lenders, like Peoples Home Equity were given quite the pleasant surprise today as mortgage applications increased for the 3rd consecutive week. This announcement was significant as the market has not seen such a positive streak in applications for quite some time.
The Mortgage Bankers Associations (MBA) reported on Wednesday, May 21st, that mortgage applications rose 0.9% for last week ending May 16th. This increase comes after a +3.6% announcement last week ending on May 9th, and a 5.3% rise two weeks prior ending on May 2nd. Part of the applications report is the number of refinance applications which "increased to 52 percent of total applications from 50 percent the previous week." Unfortunately, purchase loans decreased 3% from the week prior and the "adjustable-rate mortgage (ARM) share of activity remained unchanged at 8 percent of total applications."
Peoples Home Equity has been emphasizing to its prospective mortgage applicants that the housing market is presenting a special opportunity to home buyers. While seasonal demand has returned to the market in strong force, the rise in home prices has slowed and mortgage rates have actually declined. Please note however, that rates have fallen due to "concerns about the state of the global economy, particularly in Europe," says Mike Fratantoni, MBA's Chief Economist. This attracted risk adverse investors to place more money into, "US Treasury securities, thereby pushing interest rates down in the US."
The MBA also announced on May 21st that 30 year mortgage rates have hit their lowest point of 2014 at 4.33%. The 30-year rate has also declined for the past 3 consecutive weeks. Peoples Home Equity notes that during the active spring and summer period's expectations are that home prices and mortgage rates see simultaneous jump but thus far buyers have been given a brake. Peoples Home Equity reasons that applications increased in reaction this recent decline in rates. Prospective home buyers to at least apply for a home loan now to lock the current best rates 2014 has to offer.
If interested in securing a competitive, lower rate mortgage, consider speaking with a Peoples Home Equity loan officer today details at: 262-563-4026