text: About Research Fees Entry How to apply Faculty of Arts, Cultures and Education Languages research degrees Postgraduate - Research MRes PhD Looking for a funded PhD? Check out our current PhD scholarship opportunities now PhD Scholarships About our programmes We offer postgraduate supervision in four European Languages and cultures - French, German, Italian and Hispanic studies - as well as Chinese Studies. Our research activity crosses traditional boundaries into areas of translation studies, comparative literature, cultural studies, gender studies, social, economic and political studies, Latin America, language learning and linguistics. We offer unique opportunities for research supervision in a wide variety of subjects at both MRes and PhD level. The School of Histories, Languages and Cultures has excellent facilities in terms of dedicated language teaching rooms. There are eight main teaching rooms, all equipped with a full suite of PCs, AV system, projectors, DVD-players and a visualiser, and several have interactive whiteboards. One of the rooms functions as an interpreting suite, with nine interpreter booths. As well as this, we have the Language Learning Centre (LLC), hosting the expertise of trained language learning advisers whose role is to support students in their independent study. The availability of a team of language learning advisers is a feature which makes our Centre renowned nationally and internationally in the realm of language advising and independent learning. Postgraduate research students also benefit from the superb facilities of the newly restored Brynmor Jones Library. Details Open for admission in 2018/19 Full time Part time MRes 1 year 2 years PhD 4 years 7 years Start in January, June or September Get in touch Admissions +44 (0)1482 466850 International Enquiries Research The School engages in a range of interdisciplinary research activities that often cut across traditional language-centred boundaries. Our areas of particular expertise lie in six broad research groupings. Potential doctoral research students are invited to follow the links to individual staff research pages to learn more about the research areas in which we can offer supervision: Narrating the Past Dr David Eldridge Dr Angela Kimyongur Dr Robert J. Miles Dr Laura Rorato Dr Adrian Tudor Popular Cultures Dr Helena Chadderton Dr David Eldridge Dr Rachel Haworth Dr Paul McAleer Dr Robert J. Miles Dr Alejandro Riberi Dr Laura Rorato Dr Adrian Tudor Dr Simon Willmetts Gender, Sexuality and Race Professor Michael Gratzke Dr Imogen Long-Levasseur Dr Paul McAleer Violence, War and Conflict Professor Michael Gratzke Dr Angela Kimyongur Dr Jo Metcalf Dr Simon Willmetts Language Learning, Teaching and Linguistics Kerry Dobson Dr Michael Farrelly Dr Duncan Hunter Professor Marina Mozzon-McPherson Political and Cultural Encounters Dr Helena Chadderton Dr Rachel Haworth Dr Imogen Long-Laveasseur Dr Simon Willmetts Related courses MA in TESOL MA in Translation Studies MA in Translation Studies with TESOL MA in TESOL with Translation Studies The Postgraduate Training Scheme It is now widely recognised by employers, professional bodies and research funding agencies that specialist expertise alone is not sufficient preparation either for research or a subsequent career. With this in mind, the University of Hull requires all its postgraduate research students to follow a research training programme relating both to their particular field of study and to generic skills; for example, information technology and communication skills. Postgraduate Training Scheme Fees and funding Home/EU: £4,260 (full-time) Home/EU: £2,130 (part-time) International: £14,000 (full-time) Please note, fees for International applicants for 2018/19 have not yet been confirmed, and may increase. These fees are for all research degree programmes on this page. For courses lasting more than one year, small annual increases may apply. For more information, please visit www.hull.ac.uk/money. For information about bursaries and how to fund your studies see our money page, or take a look at our PhD scholarships page for specific funded PhD opportunities. The University's Postgraduate Training Scheme (PGTS) provides a range of modules (both generic and discipline-specific) to support research students through their programme. Find out more The library has an exclusive lounge for postgraduate research students and a dedicated Skills Team to provide a wide range of study and research skills help. Find out more The Graduate School provides support to postgraduate research students. Offering skills development opportunities and dedicated facilities, the school is here to help you achieve your potential. Find out more Research at Hull tackles big challenges and makes an impact on lives globally, every day. Our current research portfolio spans everything from health to habitats, food to flooding and supply chain to slavery. Find out more Entry requirements Acceptance on to these programmes is dependent on a strong undergraduate degree result and the availability of a suitable supervisor for the proposed work. You will have to submit a full research proposal and it is likely you will be interviewed about your research plans and organisation of the study. International students If you require a Tier 4 student visa to study or if your first language is not English you will be required to provide acceptable evidence of your English language proficiency level. This course requires academic IELTS 6.0 overall, with no less than 5.5 in each skill. For other English language proficiency qualifications acceptable by this University, please click here. If your English currently does not reach the University's required standard for this programme, you may be interested in one of our English language courses. Visit your country page to find out more about our entry requirements.


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- 組換えタンパク質生産サービス
- 抗体開発および生産サービス
- バイオ医薬品開発サービス
- 分子生物学サービス
All PIK3CB reagents are produced in house and quality controlled, including 1 PIK3CB Antibody, 2 PIK3CB Gene, 1 PIK3CB qPCR. All PIK3CB reagents are ready to use.
PIK3CBantibodies are validated with different applications, which are IHC-P, ICC/IF, IF.
PIK3CBcDNA clones are full length sequence confirmed and expression validated. There are 13 kinds of tags for each PIK3CB of different species, especially GFP tag, OFP tag, FLAG tag and so on. There are three kinds of vectors for choice, cloning vector, expression vector and lentivrial expression vector.
PIK3CB gene encodes an isoform of the catalytic subunit of phosphoinositide 3-kinase (PI3K). These kinases are important in signaling pathways involving receptors on the outer membrane of eukaryotic cells and are named for their catalytic subunit. The encoded protein is the catalytic subunit for PI3Kbeta (PI3KB). PI3KB has been shown to be part of the activation pathway in neutrophils which have bound immune complexes at sites of injury or infection. Alternative splicing results in multiple transcript variants.
Immune Checkpoint Immunotherapy Cancer Immunotherapy Targeted Therapy

subset: commoncrawl


text:
Over 101 amazing bat facts
101 Facts… BATS!
Buy This Book Now at AMAZON
Over 101 amazing bat facts . It contains facts, stunning photos and awesome video footage telling us more about these much misunderstood animals.
Quick Facts:
- There are more than 1200 species of bats today, and together they make up 20% of all the mammals in the world!
- Bat wingspan ranges from less than 6 inches to as large as nearly 6 feet!
- The largest bat colony can be found in the Bracken Bat Cave in Texas, comprised of over 20 million bats!
- A single bat can eat more than a thousand mosquitoes in an hour!
- Bats have one of the slowest reproductive rates for animals their size. Most give birth to just one or two babies a year, which are called pups.
Taken from '101 Facts… BATS' by IP Factly
See video footage of Vampire Bats here
A detailed playlist of the videos is listed below.
The Playlist:
- All About Bats by Paul Treadwell
- Bat Caves of Texas – Texas Parks and Wildlife [Official] by Texas Parks and Wildlife
- Meet the World's Biggest Bat by National Geographic
- Freaking cute orphan baby bat has a play after her feed by Megabattie
- Orphaned baby bats play on the balcony by Megabattie
- Cute baby flying-fox has a bath by Megabattie
- BAT SENSE – by Nature Video
- Season of the Bat by wpsu
- Fernando – mega bat (flying fox) Australian bats Rescued – 14/01/2012 by James Chadwick
- We Need Bats & Bats Need Us by Bat Conservation International


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Untitled, 1977/1992. Etching and drypoint by Dieter ROTH
Untitled, 1977/1992. Etching and drypoint on hand-made paper by Dieter ROTH (1930-1998 GER/SUI), hand-signed and dated, "eines von 590". With the fingerprints of the artist
Paper size: 38 x 56 cm
Image size: 22.4 x 29.6 cm
Condition: Excellent
Catalogue raisonnée: Dobke 486
Artist and oeuvre: Dada-, Fluxus-, and Happening artist Dieter Roth participated in Documenta exhibition several times
Free shipping worldwide with Deutsche Post DHL (as insured, trackable parcel) in professional, stable packing.
For technical reasons, colors of the images depicted here may differ somewhat from the original.


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Srinagar, June 30: Police has sought help to identify the culprits involved in the lynching of DySP Mohammad Ayoub Pandith. "As was reported earlier that DySP Mohammad Ayoub resident of Nowpora Khanyar, Srinagar, who was on access control duty at Jamia Masjid Nowhatta was cornered by an unlawful assembly of people and was lynched to death, " spokesperson said adding that ... Read More »
Monthly Archives: June 2017
Indian News Channels look like fish market: Geelani
SRINAGAR, JUNE 30 (PTK): Strongly denouncing Indian electronic media for its biased reporting, negative campaign and carrying malicious & misleading propaganda against Kashmiri people, Syed Ali Geelani said that these sleuths with stale ideology and fascist mindset are representing fanatical forces, thus creating a state of intolerance. While referring to Indian media channels "Republic TV", "Times Now", "The News", ... Read More »
GST roll-out – Complete transformation of the Indirect Taxation Landscape; Some minute details of how it happened
New Delhi, June 30, 2017 (PBI): Goods and Services Tax (GST), a historic tax reform, will come into effect from tomorrow i.e.1st July, 2017. GST will completely transform the Indirect Taxation landscape in the country involving both the Central and State levies. In a departure from the normal practice, GST will be administered together by the Centre and States. ... Read More »
Special Session of JK Assembly on GST to begin from July 03
Srinagar, June 30: Jammu and Kashmir government has decided to resume the special session of Legislative Assembly from July 03 to discuss the issue of extending GST bill to the state. Earlier the session was delayed after no consensus was build among different political parties in the state. The decision about holding the session was announced by Directorate of Information and ... Read More »
GST: The Biggest Ever Tax Reform
Ajay Kumar Chaturvedi Much awaited Goods and Services Tax (GST) will finally be a reality tonight that would radically change the way manufacturer, service provider, trader and eventually the consumer, pay taxes to the exchequer, both at the state and Central level, through a single levy, subsuming a plethora of indirect taxes and making India unified market. WHAT IS GST? ... Read More »
25 more blocks to be included in JKSRLM ambit in JK: Abdul Haq
SRINAGAR, JUNE 29, (PTK): Expanding the ambit of its schemes, JK State Rural Livelihood Mission has set a target to extend its programme to another 25 blocks during current fiscal besides continuing its activities in existing 46 blocks. This was revealed by Minister for Rural Development, Law and Justice Abdul Haq during a meeting convened to discuss the plans to be ... Read More »
25 more blocks to be included in JKSRLM ambit in JK: Abdul Haq
Deptt aims to train 1.24 lakh youth in 3 years, 200 AMCs set up by SHGs SRINAGAR, JUNE 29: Expanding the ambit of its schemes, JK State Rural Livelihood Mission has set a target to extend its programme to another 25 blocks during current fiscal besides continuing its activities in existing 46 blocks. This was revealed by Minister for Rural Development, Law and Justice ... Read More »
Restrictions in 5 Srinagar police stations on June 30
SRINAGAR, JUNE 30: According to the District Magistrate (Deputy Commissioner) Srinagar, restrictions under Section 144 of CrPC will remain in force under the jurisdictions of Police Stations Nowhatta, M R Gunj, Rainawari, Khanyar and Safakadal in district Srinagar on June 30 (Friday) as a precautionary measure to avoid any untoward incident. Read More »
JK student emerges topper in ICDL Digital Challenge-2017
NEW DELHI, JUNE 29: A function on Industry 4.0: Opportunities and Challenges for the Indian Work Force was held today at the PHD House New Delhi under ICDL Digital Challenge 2017. Thousands of students participated in rounds of hectic testing all over the country, among them the 2 students—Prince Sumberia and Josuto Rudupra and have emerged as toppers from Jammu and Kashmir and Meghalaya ... Read More »


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Coastal DelightFrom AUD $175
Located in the new housing estate of Moonta Bay / Port Hughes Coastal Delight is a 10 minute walk to the sandy beach and jetties of both Port Hughes and Moonta Bay. Built in 2016 and with two lounge areas, it is ideal for families and couples alike. Coastal Delight has good off street boat parking behind a high fence and a 5 minute drive to the Port Hughes boat ramp. The secure rear yard with outdoor dining area off the kitchen is sure to be a hit in summer. Coastal delight is a 4 bedroom property that can sleep up to 9 guests. 2 bathrooms with a bath in one of the bathrooms. There is ducted reverse cycle air conditioning throughout. Two lounge areas both with large TV's, USB ports and DVD players. The spacious lounge/dining/kitchen area overlooking the rear yard and pergola. Well equipped kitchen has gas stove, dishwasher, and coffee machine (BYO Nescafe Dolce Gusto pods). Large hooded BBQ with side burner and fish cleaning sink provided. Pets not permitted. Two night minimum stay applies. Booking ($22) and cleaning fee ($85) applies, payable direct to Country Getaways following an online booking being made.
- Barbeque
- Carpark
- Family Friendly
- Laundry
- Non Smoking
- Outdoor Dining Area
Coastal Delight
- Air Conditioning
- Barbecue
- Bath
- Blankets
- CD Player
- DVD/Bluray Player
- Dining Area
- Dishwasher
- Flat-screen TV
- Full Kitchen
- Kitchenware
- Linen not supplied
- Lounge/Dining Area
- Outdoor Dining Area
- Oven
- Refrigerator
- Shower
- Stove Top
- Tea/Coffee making facilities
- Television
- Toaster
- Washing Machine
6 Freeman Court
Moonta Bay, Yorke Peninsula
South Australia, 5558
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text: Professional Contractor Support At Pella®, we're dedicated to providing professional contractors with superior windows and doors for virtually any project. Learn more about the perks of working with Pella by visiting our San Antonio Showroom. Dedicated Representatives. Pella's dedicated sales professionals will work with you on estimates, on-site project management, walk-throughs and service after the sale. We will partner with you find the best products for your client. Built To Order. Pella products are made to order, and our delivery truck will arrive when you need it. Our windows and doors are packaged for protection and safe handling to make the installation go smoothly. Full Range of Products. As a Pella partner, you'll receive access to our entire range of handsomely crafted products to meet and fulfill all of your clients' window and door needs. Pella Certified Contractor. The Pella Certified Contractor program offers training and support programs to leverage your affiliation with Pella. Learn more about how you can participate in San Antonio Pella showroom's services to support professional contractors in your community.


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Nancy's Theory of StyleBook - 2010
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You have to be in the frame of mind to tolerate the annoying speech patterns and vocabulary of the main character to even bother getting through this book. And a tolerance for nonsence, which is supposed to be a comment on how shallow Nancy is, how shallow her role in society and to break through the preconceptions she holds. My tolerance is about zero, so I hated this book.
Writing under a pseudonym, Marta Acosta (of the Casa Dracula novels) delivers another funny novel... one without vampires though Milagro does make several appearances. Nancy Carrington-Chambers is spends so much time trying to make things perfect that she doesn't see the curveballs coming at her. Her attempts to deal are both heartwarming and hilarious. Thought I have to wonder about about her dense-ness concerning Derek.
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Nursing Home Bookkeeper Admits To Stealing Money From Facility
Sadly, at a time when many are feeling severe financial strain, some nursing home operators and employees are turning to another source of potential income– stealing state and federal funds intended for nursing home patients.
The most recent case of stealing or Medicare fraud– which is essentially what most of these cases come down to because that is where most funds derive– comes from Missouri. Connie Jean Beckerman, the former bookkeeper at Perryville Nursing and Rehabilitation Center, pleaded guilty to: forgery, stealing by deceit, and abuse of a person receiving health care– all felonies.
The criminal acts were perpetuated between September 2007 and October, 2007 put more than $14,500 in Ms. Beckerman's pocket.
While Ms. Beckerman's profit may seem like small potatoes, these criminal acts must be fully prosecuted to the fullest extent possible in order to deter other acts from occurring at the facility and others.
Read more about this case of financial fraud in a nursing home here.
Related Nursing Homes Abuse Blog Entries:
When The Going Gets Tough, Some Nursing Homes Turn To Medicare & Medicaid Fraud
If I Work In A Nursing Home Where I Suspect Fraud, Can I File A Qui Tam or Whistleblower Lawsuit?


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American Institute of Aeronautics & Astronautics (AIAA): Meeting Papers
American Institute of Aeronautics & Astronautics (AIAA): Meeting Papers
What is it? The AIAA publishes approximately 5,000 papers from AIAA's Forums and supported conferences annually. Covering every aspect of aerospace, the Meeting Papers represent the complete source of recent research results and thinking from engineering and science to policy and standards. A complete archive, researchers have access to historical first papers published by AIAA in 1963 through current year.
Why use it? Search annual meeting papers from the American Institute of Aeronautics and Astronautics
Coverage: 1963 - present
Access: Available on networked computers on the MSU Bozeman campus. Access is also available off campus to students, staff, and faculty with a current NetID and password. Unlimited number of simultaneous users.
Subjects: Engineering
- Liaison(s):
- Scott W. H. Young
- Kris Johnson
- Linked Data Topics:
- Article (publishing)
- Database
- Engineering
- Related Databases:
- Civil Engineering Database (ASCE)
- Compendex
- IEEE Xplore
- Inspec
- Knovel
Total interactions: 1255
Rank: 206 out of 260 databases
Rating: 1.5 out of 5 (based on 1255 out of 1726529 total interactions with all of our databases)
Last updated: 2018-08-13 13:00:42


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On 20th August 2015, late evening, Salim Charania received a complaint from an animal activist Namita Dsouza & Dhananjay Kanchan that in their area a Psycho named Kabra resident of amanda building, Hiranandani Meadows, Vasant Vihar Thane, carries stone daily in bag on his bike and whenever he finds the dogs, he stops the bike and hit the stray dogs brutally, the same incident occurred on 19th August 2015, Mr. Kanchan was feeding the stray dogs, all of sudden the accused Kabra came on his bike and picked up the sharp stone and hit the dog on the eye, the dog was injured and bleeding bcz of brutal hit by Kabra, Kanchan argued and fought with Kabra for his cruel act and informed Namita about the incident, the group of animal lover (Mrs. Joginder, Prabha Avinash, Bharti Redkar & Priya D'silva from thane decided to take action on him. Salim & Lata reached the spot late night and investigated the case with the group of animal lover and found that the dog was badly injured.
Pawa India team decided to teach this Psycho a lesson, so they reached Vartak Nagar Police Station with the witness and explained the duty officer Police Sub Inspector Kulkarni & Sachin Ambre about the incident, Pawa India team helped the police officer regarding animal cruelty laws, and Police officer cooperated for the same. The FIR was registered against Kabra (Accused) under IPC 429 and Maharashtra Police Act 119 which attracts Jail term up to 5 years or fine or both and MPA 119 ( one month Jail term or FIne or both).
The Panchnama was carried out and the Kabra the accused was called to the Police Station for the further legal action on him, Kabra denied the incident but when Police officer told him that we have investigated in your area that you are the regular offender of animal cruelty by hitting dogs with stone. He accepted his crime and said that he did not know that hitting animal is a crime and apologised in front of police for his cruel act. The police officer replied that you have to face the charges against you in the court.
Soon the charge sheet will be filed and he will be summoned by the court for further hearing on his case.
The dog was admitted at Thane SPCA, where it was been treated, The dog injury was cured by doctors which showed a good result, but due to brutal hits, the dog has poor vision in the left eye. The dog is treated and left in the same area from where it was been picked up.
The dog was admitted at Thane SPCA, where it was been treated, The dog injury was cured by doctors which showed a good result, but due to brutal hits, the dog has poor vision in the left eye. The dog is treated and left in the same area from where it was been picked up.
Animal lover played an important role for fighting back with the animal abuser through legal way by approaching Pawa India.


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Welcome to another week on the Simon Says Stamp Challenge !! Thank you for joining us for the Back to School Challenge and we hope you will all join us again this week too :-)
Anything Goes
We are using Hero Arts products this week. You don't have to use them to join in but if you have some, we love to see them used :-)
I started out with stamping the sentiment first. I then stamped it again on a thin piece of paper, cut it out and used it as a mask. It was a tedious process to stamp these one layer cards...but because the colors and depth are so interesting, it is so worth the time and effort . Just make sure that no one comes and bothers you for good 20-30 minutes.
Alone time is so important :)
This following card was my initial attempt for the challenge.
I thought I would share it here, too.
I love making one layers! Hope this post inspires you to try with color-layering stamps.
As always, Simon Says Stamp will be giving away a $50 voucher to shop at the fabulous Simon Says Stamp Store!
Thanks for stopping by!


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Installation Manuals for BlueSpice 2.27.2
From BlueSpice
- Installation Manual without installer
This is recommended if you install your BlueSpice on an already existing MediaWiki or if you want to install MediaWiki yourself first (see also Installation Manual MediaWiki).
- Installation Manual with installer (BlueSpice free only)
This is recommended if you want to install MediaWiki and BlueSpice together in a single installation process.
- Update Manual
Here you can find an update guide for BlueSpice version 2.23.x (or higher)


text:
Clint Dempsey Mocks Jamaican Player During USA MNT Victory (Video & GIF)
The USA men's national soccer team earned an important 1-0 victory at home against Jamaica in a CONCACAF World Cup Qualification match yesterday, thanks to a brilliant free kick from Herculez Gomez. However, it isn't Gomez's impressive game-winning strike that has everyone talking today. Instead, it's the odd facial expression used by Clint Dempsey to mock a member of the opposing team that seems
to be causing all the buzz one day later.
It came following a foul call in the 40th minute of the match. Here's a look at how it all unfolded.
(Keep an eye out for the b*tchface. You can't miss it!)
With the win, the USA MNT now sits in a three-way tie for first place in their group, along with Guatemala and Jamaica. Each team has two games remaining.
Oh, and you didn't actually think we'd do a post like this without providing you with a GIF of Dempsey's b*tchface, did you? Here it is.
Hat Tip – [Mocksession]


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Property ID : MLS # 72267655
Sold $669,000.00 - Condominium, Residential
|Are you looking for that single one floor living with the convenience of a condominium? Then look no further! The Homes of Braintree Court offers all of that. The home has a beautiful kitchen with cherry cabinets, granite counter tops, and stainless steel appliances. There are large skylights in the cathedral ceilings, and a living room with a gas fireplace. The home features an an extra large master bedroom with walk in closet, and a master bath that includes a jacuzzi tub and stand up shower. Full basement easily could be finished for additional room with slider to the back yard. The home also has an attached two car garage. There are only 12 units in this lovely condo association. Convenient location to highways, train and shopping.


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Share pincode for faster delivery by local sellers.
This product is currently out of stock
Item is available at 122003Change
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You can place a return request within 10 days of order delivery.
In case of damaged/missing product or empty parcel, the return request should be filed within 2 days of delivery.
We offer you best quality fashion jewelry Pendant . It is designed for fashionistas who like to shine and enhance their look. This jewellery item is designed with perfection to complement the modern and fashion conscious woman of today. You can wear it on any traditional functions, weddings and engagements so as to make yourself look excellent.


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Is God calling you?
Is God calling you? Do you believe God has made a mistake? Do you make excuses to ignore the call?
The work God calls us to and the answer to our call isn't about who we are - it's about what God can make us into. It isn't about what we can do - it's about what God can do through us. It's not about the gifts we have - it's about the gifts God will give others through us. It's not about our sins - it's about the grace we can offer to others.
Thought for the day: Your call may not be about you; it may be about those around you.
(Note about the image: This is a piece of stained glass crafted by our Conference Lay Leader to represent 2400 professions of faith in the conference.)
Labels: Annual Conference, Call


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Teen stroke survivor volunteers to help other patients
Greece, N.Y. - Despite being left speechless from a debilitating disease, a Greece woman is proving she still has plenty of life to live.
Dionna Zupparo, 20, was only 14-years-old when she had a stroke.
This happened five and half years ago, when she was a high school freshman, as she was warming up for swimming sectionals.
"I fell down, and the feeling in the left and right body, numb," Zupparo said "And the coach asked me, 'Are you OK?'"
But she couldn't speak. A blood clot damaged the left side of her brain, impacting her speech and causing paralysis in her right arm and leg.
"It was devastating," said Roxanne Zupparo, Dionna's mother. "It is, in some ways, a parent's worst nightmare, because you don't really know what the prognosis is."
Doctors had to remove a portion of Zuppora's skull to relieve the pressure and swelling from the clot. She spent several weeks in the hospital and endured countless hours of intense physical, speech and language therapy.
"It really was hard," her mother said. "We were constantly trying to point at things and get her to say things."
Zuppora's vocabulary grows week by week. But, at first, it was down to two words.
"In therapy, the first word is 'no,'" she said. "The second word is, 'mom,' and together, 'No mom.'"
Now, she tells her story to other stroke patients at the Golisano Rehab at Unity.
"Encouragement for the patients," Zuppora adds.
Dr. Cecila Ransom, a physical medicine rehabilitation expert, said patients are inspired by Zuppora.
"They are like, 'this is helpful; this made me understand what the program's about, what they're going through,'" Dr. Ransom said. "Definitely, very inspirational."
In 2014, she found herself back in the water, swimming during senior night for the "Greece Storm."
Her message is simple: "Go big and go home," Zupparo said. "Fight. Fight and win this fight."
Because she did, and does, every day.


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A pickup truck laden with explosives blew up outside a police station in northwestern Pakistan on Monday, killing four people in an area that has become the focal point for militant retaliation against an army offensive along the nearby Afghan border.
The explosion destroyed several shops and homes and damaged the station and a nearby mosque in the town of Badh Ber, which lies close to a Pakistani air force base as well as the major northwestern city of Peshawar. Thirty other people were wounded.
Militants have killed more than 300 civilians and security personnel in the last month to try and weaken the country's resolve to continue the military operation in South Waziristan region, where al-Qaida and Taliban leaders are believed to be hiding.
"We have to continue this war against terrorists and have to keep our nerves," said Mian Iftikhar Hussain, the information minister for North West Frontier Province where Badh Ber is located.
Police opened fire on the pickup truck as it approached a checkpoint in front of the police station, but the driver was able to detonate his explosives, said Peshawar police chief Liaqat Ali Khan.
"The sound of the blast was very loud, and when I rushed out from my home I saw everything was destroyed here," Tariq Hasan told AP Television News.
The attack killed four people and wounded 30 others, said Sahib Gul, a doctor at a hospital in Peshawar where the victims were brought. The identities of the dead were not known.
Local television footage showed rescue workers searching for survivors amid a tangle of bricks and twisted metal. The blast killed a horse that was attached to a wooden carriage and injured another nearby.
Police explosives expert Tanvir Ahmed estimated the truck was carrying about 550 pounds (250 kilograms) of high explosives, a much larger amount than has been used in other bombings carried out in recent weeks.
"This is an obvious reaction to the operation in the tribal areas," said Sahibzada Anees, a senior government official in the area.
Badh Ber is located some 7 miles (12 kilometers) south of Peshawar. The area in and around the city, which borders Pakistan's semiautonomous tribal region, has experienced a wave of attacks since the army launched its South Waziristan offensive in mid-October. More than 50 people have been killed in the area in a little over a week.
Hussain, the information minister, said the South Waziristan operation has driven many militants out of the tribal region into places near Peshawar, making the area a prime target for attacks.
"Terrorists have spread into our settled areas and have surrounded Peshawar, but they cannot defeat our resolve," said Hussain.


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Data Mining / Advanced Analytics
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When my late uncle, Rodger McFarlane, became the first paid Executive Director of Gay Men's Health Crisis in 1982, he was just 27-years-old. His generation was the last to be born into a world without HIV and AIDS.
For as long as I can remember, I heard stories of Rodger's friends, whose lives were claimed by AIDS on a daily basis in the early 1980s. I was just in the eighth grade when I first read Larry Kramer's The Normal Heart, the Tony Award-winning play about Rodger and the other men who helped organize GMHC, the world's first HIV/AIDS service organization, in response to the tragic loss in their community, and was incredibly moved.
As is often the case in life, I don't think the full impact of the epidemic hit me until I encountered it head on. After I returned from a semester abroad in Buenos Aires, Argentina, in late 2009, I received the devastating news that my boyfriend during that time, a handsome, young Peruvian man, had tested HIV-positive.
As fate would have it, I had just completed a routine HIV test earlier that day and received a negative result, which I attribute to what I learned from my uncle. I came out to Rodger one night in college, and he followed up with a comprehensive sex education discussion the very next morning.
When Rodger died four years ago, Mr. Kramer, with whom he had helped build GMHC, told The Advocate that my uncle had done more for the gay world than any other individual had ever done. "I don't think the gay world knew or knows how great he was, and how much he did for us, and how much we need him still and how much we will miss him," he said.
Although the great loss of my uncle is still felt in the world of HIV and AIDS activism, I have never once given up hope. The first thing I did when I moved to New York was do what my uncle did 30 years ago -- establish myself as a volunteer at GMHC. Their life-affirming programs, including safer-sex education, crisis counseling, hot meals, case management and legal counseling still save lives and extend GMHC's message of "Fight AIDS. Love life."
The HIV/AIDS epidemic is still very real, and its shift in demographics is alarming, with a disproportionate effect on the young, gay, poor and of communities of color. Yet I still hope for a world with zero new HIV infections and zero deaths from AIDS -- a message that was heralded at last year's International AIDS Conference.
A crucial part of achieving an AIDS free generation is recruiting a new contingent of HIV and AIDS activists to carry on the work that my uncle began. That is why I joined GMHC's Millennial Committee which is developing new, young donors.
I want the next generation -- including me -- to step up and be counted to give millions of people affected by HIV and AIDS hope for a better world.
Please join me at GMHC's annual gala, Savor on March 21. For more information, please visit gmhc.org.


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Take Over Your Space. Get it? :)
You don't have to be a parent (or grandparent, or in-home caregiver) for long to realize that your home can be overtaken very quickly by TOYS...blinky, flashy, often obnoxious toys. Toys, toys, everywhere! And that makes life so frustrating, especially when you're trying your hardest to keep a tidy house. There are days that I will clean an entire room from top to bottom, move on to the next, and by the time I come out (three minutes later) the first room is completely trashed again. (Those of you without children may also be able to empathize, but I can't help you with your husbands, haha.)
I know you understand my frustration, moms. We have ALL been there. And I bet there are some of you out there who have bigger problems than me! Evelyn doesn't even have a TON of toys. We rarely pick up a new gadget just for the fun of it, and I think because she's a girl, she's mostly given clothing as gifts. But it seems like you can't buy anything these days without it coming with 20 extra parts and accessories. Gah!
There came a point when I just decided to put my foot down and stop fighting this uphill battle. I DO have a life outside of picking up after a 15 month old. The idea popped into my head one day when I noticed Evie was dragging out every single toy she owned but was only playing with a few of them. One kid, two hands - makes sense. So why was I breaking my back picking up a box full of spilled toys when half of them weren't even getting played with? I don't know! Seemed dumb to me, too! I racked my brain, and then it hit me.
The answer: DIVIDE and CONQUER. I took every single toy that Evelyn had and split them into three groups: A selection for her bedroom, some for the living room, and some to HIDE. That's right. Hide. And my plan - it worked. Oh, yes, it did.
The beauty of hiding a third of your kid's toys is that you have the ability to rotate out what they play with. Every week or two it's like your child has a brand new selection of toys to choose from! And guess what? They won't even notice when most of them are gone. Rotating toys keeps their selection fresh, and keeps you from losing your mind.
Evelyn has a little pink wicker basket that we keep out in our family area. It's filled with plenty of little trinkets to keep her busy. But since this is only part of what she has, it definitely cuts down on the amount of clean up for mommy when she's done. It's still a pain in the rear when every single puzzle piece is scattered around the room, but it's tolerable.
There is another basket in her bedroom filled with a few things. Surprisingly, she's pretty good at keeping these toys only in her room. And the pink tub? Those are the hidden toys! She may eventually figure out what's in there, which will force me to have to get a little more creative with where I keep her hidden treasures. But it works for now, and it's still easily accessed by me. (If I kept the hidden toys in the basement or stowed away in a closet then even I would forget about them!)
As for the bigger toys, we divided those as well. We keep a couple out in the family area so that she can play with them while we're all gathered in the living room. The rest are in her bedroom, and there's even one in the basement - strategically placed for when I have to get some work done down there!
I can't even imagine what life would be like if I still had all of Evelyn's toys in one place. Either her bedroom would be a waste deep mess all.of.the.time, or I would spend all day every day plowing through it. No, thanks. (Oh, the day that she's old enough to pick up her own junk will be bliss. Then I'll have to figure out a new strategy to get her to clean!)
So if you haven't already, I highly recommend trying to divvy up the play things in your home. Simply invest in a few baskets, or utilize some that you already have, and portion out toys to your little heart's content. It definitely worked for me. While I'd prefer a super robot that could just do all of the cleaning for me, I'll take cutting down my decluttering workload by two thirds for now!


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Long-Haul Trucking: The First and Best Use Case for Level 5 Self-Driving Vehicles/
Transportation has been the source of some of the greatest innovations in human history from the invention of the wheel to automobiles, ships , trains, planes, and rockets. These innovations have profoundly impacted how we move around, how we trade, and how quickly and cost effectively this all happens. Autonomous vehicles may very well be the next great innovation in transportation but the journey will likely be a long one.Read More


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We're with you when you're ready to buy your first home
Let us help you plan for what's ahead so you have the information you need to make informed decisions about your home loan options.
75% of Crown's business comes from referrals. Our customers refer us to their friends and family because we work with honesty, integrity and professionalism. And Crown Mortgage will never sell your home loan.
If it should be done, Crown can do it!
Apply Online OR Contact Crown Mortgage Company Today at 708-857-1897


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As the clock struck midnight and turned to July 31st, the Laney Buccaneers football team hit the practice field.
The Buccaneers got to work the very first second the North Carolina High School Athletic Association allowed.
"It is exciting, we build up to this" said Laney head coach Ashaad Yeoman. "All the work that we put in during the off season and the summer time. Now it's time for the first official practice. And we can't wait to get to this moment. And here we go an official practice ready to go."
This is the fourth year that the Laney football program has hosted a midnight practice.
Yeoman, who is entering his fourth season on the sideline for the Bucs, hopes his team's summer workouts payoff.
"One thing that we try to do during the summer is get the guys into shape" said Yeoman. "We are trying to build a culture in the summertime. Now it comes down to let's get our plays down, so that we are not focusing on the conditioning so much. That's what the summer is for. We are trying to build a culture."
A year ago, Laney finished 8-5, and lost to Wake Forest in the second round of the 4AA playoffs.
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Tuesday, August 22, 2017
1 p.m.
1 hour
July 2017 Drug Price Forecast Webinar for CFOs
Join us on Aug. 22 for the Vizient July 2017 Drug Price Forecast webinar planned especially for chief financial officers and other financial executives.
The semi-annual Forecast is developed using our industry-leading analytic software and the extensive industry knowledge of our pharmacy team subject matter experts and provides projections of drug price behavior for purchase categories that make up the majority of total pharmacy spend. This CFO webinar reviews how the Forecast can help you manage pricing pressure and ensure that your health system is well positioned to deal with current and future drug price increases. We will:
- Discuss the factors that contribute to increasing drug costs and the how they affect pharmacy expenditures
- Describe anticipated trends in drug costs and how to evaluate pharmaceuticals with regard to cost, reimbursement and overall value
- Identify essential strategies for managing higher drug expenses while improving patient outcome
Steven Lucio, PharmD, BCPS
Associate Vice President
Center for Pharmacy Practice Excellence
This webinar is for Vizient members only. For more information please email email@example.com.


text: Opinion Why Do Voters Think the Next Generation Will Be Worse Off? Published April 09, 2010 Fox News Facebook0 Twitter0 livefyre Email Print Share your thoughts. First answer our question then click on "Leave a Comment." Why do you think a majority of voters believe the next generation of Americans will be worse off? surveys This is not a scientific poll.


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drag race time
Moderator: lumbercis
f'n damnit. it never ends. now i have to take the trans back out and replace the damn throwout bearing and the pressure plate. so i ordered a flywheel while i was at it. the new inner axles i got have a bad carrier bearing on them so i get to replace that too. so this thursday i'll be in the really lame, but with a/c, sunfire. oh goodie.
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Using premium spices and no added sugar or preservatives, Stadium Mustard story begins with an 1890 smooth brown mustard recipe that calls for the highest-grade mustard seeds.
LOUISVILLE, KY (PRWEB) March 29, 2016
Victory Field, home of the Indianapolis Indians, will now be serving Stadium Mustard. Featured on Monday Night Football and requested by NASA for space flights, family-owned Stadium Mustard is served in more than 150 U.S. stadiums and arenas.
Victory Field debuts Stadium Mustard April 2 for the Pittsburgh Pirates vs. Cincinnati Reds exhibition game. It's currently sold in all Indianapolis-area Kroger stores.
"In the mustard world, we know Indianapolis for its awesome food trucks, legendary King David Dogs, and Victory Field, which is considered the 'Fonze' of minor league baseball parks," says Alex Dwoskin, president of Kentucky and Indiana operations for the Davis Food Company, the parent company of Stadium Mustard. "We are honored to bring my family's mustard into such an amazing city."
Using premium spices and no added sugar or preservatives, Stadium Mustard story begins with an 1890 smooth brown mustard recipe that calls for the highest-grade mustard seeds. Founder David Dwoskin resurrected this spice-forward mustard in 1969, selling Stadium Mustard in Cleveland Municipal Stadium.
Just as it was then, today's Stadium Mustard is Kosher, stone ground and perfectly complements a juicy hot dog, warm pretzel or sandwich.
"Stadium Mustard is a Cleveland establishment. People were attending Cleveland games and tasting our mustard. Some even said that's why they stayed for often really bad games. Sport Magazine wrote in 1985 that 'at least {the Cleveland teams} have the league's best mustard,'" Dwoskin says. "Meanwhile, my dad was hustling to expand our family business. It's amazing that the mustard I ate by the spoonful as a kid is now served just about everywhere."
Over the years, Stadium Mustard fans have written the Dwoskins, thanking them for keeping the flavor the same, and submitting the occasional unsolicited recipe. And of course, the fans want the mustard wherever they go, even space.
Now, Indianapolis will see why people love this mustard.
Learn more at stadiummustard.com.
Stadium Mustard is registered trademark of the Davis Food Company. For more than 46 years, it's been sold in high-end retail stores, restaurants and stadiums. NASA requested Stadium Mustard for Space Shuttle Discovery and Columbia missions. It's frequently connected to its hometown of Cleveland and has appeared on the Steve Harvey Show, Drew Carey's Show and Monday Night Football, among others. Learn more at stadiummustard.com
Victory Field is the home to the Indianapolis Indians. Tickets are available at milb.com.


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Burger review: Edzo's Burger Shop
2218 N. Lincoln Ave. 773-697-9909
Rating: !!! (out of 4)
As a fearless seeker of fine burgers, The Great Burgerelli makes a concerted effort to stay attuned to what local burger lovers are buzzing about. It is for that reason that I can say with certainty that one of the most talked-about burgers in greater Chicagoland is Edzo's Burger Shop. Because Edzo's is located in the north suburb of Evanston and my professional burger adventures are focused on the Chicago proper—technicalities, technicalities—it is an unfortunate truth that I have not had the opportunity to dine there. I know I am not alone, as many fellow Chicagoans also found that Edzo's early closing time of 4 p.m. made paying theshopa visit most inconvenient.


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Eyes of A Lagos Boy Photo Exhibition, (Phase 1) came to an end on the 27th of May 2017. Bringing a full week of stakeholders and admirers of Arts /Photography coming together exchanging views, interacting and chatting the way forward to encourage young Africans to pick up camera, travel and make Photography a career, way beyond just a hubby.
The Photo Exhibition, according to pundits is first of its kind. Pictures of our everyday lives, colors and Societal concerns from Nigeria, Egypt, The Netherlands, Oman, Germany, India, Turkey, Sweden and Underwater photos were showcased. "For me, the response from young Photographers who turned up in large numbers and were inspired means a lot and quite encouraging".
The Photo Exhibition, which ran for a week between the 20th and 27th May received Africa's first Nobel Laureate (Literature), Professor Wole Soyinka who came visiting and went through all 27 Photos with rapt attention and suggested one of the photos will be good for his book.
Eyes of A Lagos Boy Photo Exhibition is declared a resounding success in terms of the attention and response from the Nigerian and international audience giving birth to a brand that can only be a reference point to the arrival of the African youth to the world scene of documenting life.
Eyes of A Lagos Boy is the beginning of series of Photo Exhibitions that will be taken around Nigeria, Africa and the world.
Enjoy the Pictures…
More Photos Coming up…
Bolaji Alonge is an Artiste, International Photographer and Blogger from Lagos, Nigeria who has been traveling the world for most parts of the last decade documenting exotic cultures, participating in experiences , Tourism, Networking, exchange of ideas and information that sometimes books and the internet do not offer.
-Bolaji Alonge (June 2017)
Photos By ARL for awfirm.org
Awefirm © 2017 . All Rights Reserved.
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text: Into the bleach 17 February 2017 By John Foley Follow @johnsfoley Email Share The Anglo-Dutch peddler of Dove and Hellman's rejected a $143 bln approach from the U.S. maker of Jell-O and Velveeta. Unilever builds brands while Kraft backer 3G famously cuts costs. While those might not mix easily, the target could learn a thing or two from its suitor. This content is for Subscribers only To access full Breakingviews.com content you must be a subscriber. Please use the following link to request a trial. Existing Users Log In Close


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Xcel 3/2mm SLX XZip Chest Zip Mens Wetsuit
Xcel 3/2mm SLX XZip Chest Zip Mens Wetsuit
An excellent, hard-wearing, men's summer wetsuit from Xcel. The Xzip chest closure keeps the maximum amount of water out, keeping you warmer, and surfing longer.
Entry System
* X-Zip - The original Xcel pioneering front entry system remains the easiest chest zip to put on and take off. Front entry with an over-the-head zipper flap for extra easy on/off; with SmoothSkin hem seals and a snap lock to keep zipper pull in place.
* Crossover Neck Entry - Overlapping inner front and back neck panels (underneath the zipper flap) stretch to allow extra wide, step-in-through-the-neck entry.
* ThermoCarbon - Inner neoprene lining with performance and environmental benefits. A blend of bamboo charcoal fibers and recycled polyester fibers provides excellent heat retention and helps improve warmth.
* UltraStretch Neoprene - Comfortable, lightweight neoprene with softer foam and a tighter weave textile for less water absorption and better durability. This suit is 100% UltraStretch in the upper body.
* Texture Skin Chest Panel - Texture embossed rubber that provides excellent wind resistance; ideal for outer chest panels hoods, and other areas that would otherwise lose warmth quickly.
* Glued & Blindstitched Seams - A fully sealed, maximum stretch seam construction that keeps water out. Neoprene panels are glued and pressed together, then blindstitched (needle doesn't fully penetrate neoprene, keeping water out)
* Smarter product design means minimizing seams to maximize stretch. Less Seam equals More Stretch. Any seams used are always pre-bent and contoured for a truly engineered fit.
* DuraFlex Knee Panels - Contoured, durable panels that stretch with you.
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Cialis, which is commonly prescribed to treat erectile dysfunction (ED), has shown in a study that it can be used to manage the condition known as Duchenne muscular dystrophy. This is a genetic condition wherein the muscles progressively weaken due to inadequate blood supply. Cialis is currently approved for use in patients with ED, pulmonary arterial hypertension, and benign prostatic hyperplasia or enlarged prostate. Available as the trade name of Tadalafil, Cialis is being studied as a potential medication for various conditions due to the drug's properties. The effect of Cialis in patients diagnosed with Duchenne muscular dystrophy have been promising indeed. The drug has shown that it can help improve the quality of life in affected patients, although it does not cure the symptoms.
Is Cialis better for Muscular Dystrophy than other similar drugs?
Cialis Tadalafil is a PDE5 inhibitor that helps the muscles in the walls of blood vessels to widen and relax. Since the drug works to lessen the constriction of blood vessels, there is improved blood flow and better muscle integrity. Cialis can essentially help slow down and muscle loss and probably expand the life expectancy of the patient. Viagra and Levitra are also PDE5 inhibitors but Cialis is the better drug for Duchenne muscular dystrophy. This because of the mechanism through which Cialis is absorbed and distributed throughout the body, without affecting any other important body functions. Also, Cialis has a considerably better safety profile and the effects last for a longer duration than other PDE5 inhibitors.
Can I take Cialis if I have Duchenne Muscular Dystrophy?
Currently, medical investigators are still conducting research on the use of Cialis in patients with muscular dystrophy. The investigational use of Cialis for this muscle degradation problem has yet to be completed and approved by the FDA. The study is currently small and data from the results are incomplete. If you are someone with this condition then it is recommended to never self-medicate with Cialis. Always consult with your healthcare provider before commencing any kind of drug therapy like Cialis to ensure that it is safe for you to do so. If your doctor deems Cialis suitable for your condition then the prescription may be provided with the appropriate dosage.
Cialis for ED or other purposes can be purchased with a valid prescription from an online drugstore. The price of this important medication can be restrictive for many, particularly at local brick-and-mortar drugstores. Online pharmacy Cialis is cheaper due to the numerous discounts, coupons, and other offers, along with the fact that it is sourced directly from the manufacturer without any intermediary charges. The quality of Cialis online vendors is also unmatched. Moreover, you would get to know the complete drug information if you choose a reputed drugstore online. Order cheap Cialis online take the pills as directed by the physician. For now, patients with muscular dystrophy may have to wait for the FDA to approve Cialis for this condition though.


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The idea of seller financing used to scare me to death. The idea of "becoming the bank" didn't sound appealing to me AT ALL.
In my mind, I just wanted to be cashed out as soon as possible so I could be done and move on with my life. However, once I realized the truckload of extra money that I could be making as a result of financing my properties; I decided to try my hand at it.
After selling one property, and then another, and then another – I started noticing how nice it was to have checks delivered to my mailbox every month whether or not I continued to put forth any additional effort. Eventually I found that it was adding a lot of stability and predictability to my business operation and life… and I loved it.
Before long, I started putting it to use whenever I possibly could, and it quickly became my preferred method of selling real estate. To be honest, I'm kind of surprised that everybody isn't doing this as a standard business practice. The fact is, when you finance the sale of a property, you are creating a true money machine.
Sell Your Property FAST
Offering seller financing will open the doors of opportunity and will allow you to work with MANY more potential buyers. The truth is, a lot of buyers won't even consider buying your property simply because they don't have access to the funds they need in order to purchase it. When you offer seller financing, you're solving this problem right out of the gate because you're giving them the financial leverage they need.
The more flexible you can be and the more options you can offer your potential buyers, the faster you will get your property sold – plain and simple. On the other hand, if you're only willing to get cashed out in one lump sum (and this is how most sellers operate, by the way), you could find yourself sitting on your property for a lot longer than you need to.
Sell Your Property At A Higher Price
One of the huge advantages of financing your property is that you can almost always ask for a significantly higher price on the property and people will pay it. In my business, I can even charge a higher-than-market interest rate and most buyers don't even care!
I'm able to get away with this because I understand how to make the monthly payment affordable.
When I advertise my properties with seller financing, I don't even talk about what the specific terms of the loan will be (interest rate, payment period, etc.). Of course, this information will be included in my closing documents (I'm not hiding anything from anybody), but when it comes to marketing a property – I've learned that people tend to get confused by all the intricate details of the transaction (and a confused mind says "No"). In the end, all they really want to know is what it's going to cost them.
With this in mind, I just advertise two things:
- The total purchase price
- The monthly payment
That's all.
When people see a monthly payment, they will instantly know whether or not it fits into their budget – and at the end of the day, this is all that matters to most people.
The nice thing about this is, if your goal is simply to make the monthly payment affordable, there is almost always a way to make the payments work within a person's budget. Remember, you are the bank. You can stretch out the term of the amortization (aka – the amount of time, or number of months it will take for them to pay you back). You can also adjust the numbers by giving them a lower interest rate. You could require a larger down payment upfront (which will reduce the amount of the loan and thereby, reduce the monthly payment), or you could just lower the price of the property altogether.
Whatever it takes for you to sell your property and make money, do it! One of my goals with this strategy is to build up SEVERAL streams of income, and this only happens by selling SEVERAL properties with seller financing, in a way that will earn me a profit.
When you're acting as the lender, you can generally do whatever you want to (within the confines of the law, of course) to maximize your income over the long-term.
Note: Most states have some very broad rules regarding the maximum interest rate you can charge your borrowers and the number of seller financed deals you can maintain at one time – so be sure to check with a local attorney before you proceed.
Charging Interest, Servicing Fees and Closing Fees
In addition to getting a higher price on your property, you'll also have the opportunity to pick up a lot of extra income along the way by charging interest, servicing fees and closing fees.
At the time of this writing, mortgage rates are as low as they've ever been. To put it frankly, money is insanely cheap. Just to give you an idea… we are currently working in a market where a 15 year mortgage can be had for 2.82%.
…but guess what – even with how low mortgage rates are right now, I am currently able to charge 9.99% interest on my seller financed properties and people are happy to pay it!
Why? Because if I don't finance the property for them – they can't do the deal, period.
Remember, for a lot of buyers, the interest rate is irrelevant IF they can afford the monthly payment. It's all about making the property affordable for the borrower at a down payment and monthly payment they can live with.
As you start talking with prospective buyers, you'll find that different things matter to different people. Some buyers will want a low price, some buyers will want a low payment, some buyers might even want 0% interest. Whatever their sticking point is, do whatever you can to work with them! The ultimate goal is for you to make a monthly profit on each sale, so if you can meet their needs AND accomplish your objective, make it happen! Generally speaking, as long as your buyer is getting a great value for their money, they'll be happy to do business with you.
There are a lot of people who are huge fans of seller financed property – so don't underestimate the power of simply offering this as an option in your property listings.
The funny thing is, whenever I offer seller financing in my property listings, almost everybody chooses to take the financing and NOT pay all cash (even when there is a financial incentive for paying cash). Even when people have the cash available, many of them would still rather pay for the property over the long-term and not tie up their funds by paying for everything upfront. It may sound weird if you're one who doesn't like debt, but you would be surprised at how common this is.
Servicing Fees
Monthly servicing fees are another way to tack on some extra monthly income from seller financed properties. I always charge a monthly servicing fee of $15 – $25 (this is on top of the borrower's monthly principal & interest payments to me).
Why? Because with every existing loan – someone has to be in charge of:
- Collecting the monthly payment
- Updating the loan balance
- Sending a statement back to the borrower
- Dealing with delinquent accounts (if and when they come up)
On my first few seller financed deals, I tried to get my feet wet by servicing my own loans in-house.
I had a banking background and I understood how to do it, so the job was certainly doable, but personally – I learned that I just didn't enjoy spending my time doing busy work.
Servicing a loan isn't terribly difficult, but it does need to be done right and it takes a lot of left-brain thinking to do the job well. As a result, I eventually decided to outsource my entire loan portfolio to a loan servicing company and let me tell you… they do a great job. It has freed up my time immensely and if I could do everything all over again, I probably would have started sending this work to them from day one.
Coincidentally, my loan servicing company charges a monthly fee of $15 – $25 for this service, so rather than me taking the hit for this cost myself, I just pass it along to the borrower and make them pay for it. Remember, if it works within their budget (if their monthly payment is still affordable), do it! Just be sure to disclose this in your documentation when you close the loan.
Even if you decide to service the loan yourself, you should still be charging this kind of servicing fee to pay yourself for the trouble! As long as you have outstanding loans owed to you, the job will always be there, so make sure you are compensating whoever is handling this extra work – especially if it's you!
Closing Fees
Whenever you close a loan, you'll need to use the right documentation. Whether you decide to close your deal in-house (preparing all of the documents yourself) or use a title company/real estate attorney, somebody is going to have to put the paperwork together. Regardless of who handles this job, I always charge a minimum of $199 as a closing fee (and sometimes more if the deal is large enough) and guess what… the buyer pays for it. Even if I'm working on a cash sale (no seller financing involved), I will still charge this fee.
Similar to the loan servicing issue, the paperwork isn't going to take care of itself, so you need to factor this cost into the deal upfront and pay the appropriate person for doing this extra work (even if it means paying yourself).
All of these costs are very typical in any type of loan arrangement. I guarantee you a bank would be charging these kinds of fees up and down for a conventional loan, so take advantage of your ability to charge fees upfront, charge servicing fees each month, and charge the highest interest rate you can get away with (and do me a favor, don't feel guilty about it). If people don't want to do business under your terms, believe me – they won't!
When you're acting as the lender, you can be as flexible (or inflexible) as you want to be because YOU are the bank and you can clearly define the terms with which you are willing to do business. Use this to your greatest advantage and play this game on your terms.
Putting The Problems in Your Borrower's Lap
Of all the things I love about seller financing, this might be my favorite.
When you finance the sale of a property – it becomes similar in nature to a rental property. It produces a steady stream of income but without all of the problems and headaches that come with owning a rental property.
Once the deal is closed, your borrower owns this property (for all intents and purposes). You may still hold the deed, or you might even have a mortgage on the property, but as long as they keep making their payments to you, the property legally belongs to them. In most standard loan documents, the loan agreements are written in such a way that if anything breaks, if anything needs to be fixed or if anything goes terribly wrong with the property itself, it's the borrower's problem.
For instance, in the same way that I wouldn't expect my banker to come and fix my toilet after I buy a house – the borrower shouldn't expect YOU to come out and take care of their property either. It's their problem.
Of course, a seller financed property is a stream of income that won't last forever (because the borrower will eventually pay you off), but believe me – it's great while it lasts (and it will usually last for a long time). When I finance the sale of my properties, I don't have to lose a wink of sleep at night because once the deal is done; all the maintenance and upkeep issues are in the borrower's lap, not mine.
Add Stability and Peace of Mind to Your Business
As soon as you've built up enough cash reserves to run your business efficiently, I suggest that you start financing your properties as soon as possible. I know some real estate investors who make over six figures per month just from the ongoing payments from seller financed properties. That's right, PER MONTH.
The beautiful thing about the properties I finance is that in most cases, I only paid 10% – 20% of the property's market value when I bought it in the first place. Think about it, if you buy a property for $5,000 and sell it with seller financing for $50,000 – you can make your entire initial investment back with just the down payment! Once the loan is in place, every single monthly payment for the next five years will be pure profit. How's THAT for your return on investment??
Charging Prepayment Penalties
I'll be honest, I personally don't bother with charging prepayment penalties – but I certainly understand the rationale behind lenders that do.
When you enter into a loan agreement with a borrower, part of the reason you're doing this is because you want to create a dependable stream of income for a set period of time. If a borrower chooses to pay off their loan prematurely (which some borrowers are sure to do if you are charging 9.99% interest), your stream of income will disappear.
You can't disallow this from happening, but one way to discourage these kinds of early payoffs is to charge a prepayment penalty for doing this. It will also serve to compensate you for your unexpected loss of income.
If you want to add this extra security to your seller financed deals, you should have this written into the language of your loan agreement. There are many different ways of calculating exactly what your penalty could be, but one way is to charge an extra:
- 5% of the original balance if they payoff in the first year,
- 4% of the original balance in the second year,
- 3% of the original balance in the third year,
- 2% of the original balance in the fourth year,
- etc…
If you're working with an attorney to prepare your loan documents (which you may want to do, especially if you're adding this extra feature to your loan documents), ask their opinion on this – they may have some good ideas for you as well.
Repossessing and Reselling the Property
Obviously, nobody wants to deal with a borrower who defaults on their loan. I'll be the first to tell you that it's annoying, and depending on what shape they leave your property in – it could even be costly.
That being said, there are also a number of reasons why this risk is still worth taking, even when you consider the worst case scenario.
Consider the Down Payment
Given how little I typically pay for the properties I purchase, it usually isn't difficult to recoup 100% of my initial investment just by collecting a 10% – 20% down payment. Even if you only collected a 5% down payment (which by the way, would be very generous of you), you can usually recoup the remainder of your initial investment in the first few months. Essentially, the risk in this area is usually very low.
What I'm getting at here is – if you did your groundwork right when you purchased the property (i.e. – buying for the right price), you're not going to end up in the hole – not by a long shot.
Now on the other hand, if you borrowed $100,000 to buy the property, and the property was only worth $125,000 – this would obviously be a different story, but as I indicated earlier in this chapter, the ideal time to use seller financing is when you own a property free and clear. You most likely paid a very low price for this property in the first place, so if "losing money" is what you're concerned with, don't be! Re-extracting your initial investment from properties the way we do it is not difficult.
Consider the Collateral
Think about it this way – you own a long-term, tangible asset. If you're working this business the right way, you own it without any debt or monthly payments whatsoever. If your borrower decides to quit paying you tomorrow, this could be a blessing in disguise. It just means that you can repossess the property (which is probably the only real "hassle" of the process), re-list it, and resell it! You get to keep all of the payments from your delinquent borrower and start the process all over again. Some of the most profitable deals are the ones that you get to repossess and resell.
Now, if your property is a residential home or a commercial building, then yes – there could certainly be some damage or cleanup that you'll have to do before you can re-list it for sale (this should always be expected in a foreclosure situation). Even so, the cost of rehab is almost always worth the extra time and effort, because you stand to make even more money when you resell the property. This isn't always the case, but most of the time – it is.
Consider the Likelihood of Default
When I first started selling properties with seller financing, I didn't do any credit checks whatsoever. I frankly didn't care who my borrowers were because I knew that if they ever defaulted, I stood to make even more money in the long run.
While this never ultimately hurt me, I eventually decided to change this practice after dealing with a few borrowers who defaulted on their loan payments to me (yes, if you do enough of these deals, it will eventually happen).
Even though I've always been pretty well protected (given the value of my collateral), it's still annoying to deal with a deadbeat borrower. I had to go to the courthouse, it took time, and it was generally a headache. Even though I stood to make even more money from a repossessed property, I found that it was more comfortable to just know what my future was going to look like rather than having to deal with an unexpected change of plans.
With this in mind, I eventually decided to start pulling credit reports. The cost is nominal, and it just gives me an idea of what kind of person I'm dealing with. Do they have any other delinquencies in their life right now? If so, why? Why should I feel comfortable being their lender? If they can't even give me a compelling story, why should I stick my neck out for them?
I typically don't disqualify people right off the bat for having an imperfect credit score, but I do expect a good explanation as to why I should trust that they'll be faithful in making their payments to me. If you go into this kind of relationship blind, you're just leaving the door open for trouble – plain and simple. While this doesn't necessarily spell "disaster" in every situation, it can cause a lot of unexpected (and unwanted) surprises.
Again, if you bought your property at the right price to begin with, it's hard to lose. Even so, I'm the type who likes to be fully informed on any business relationship I'm entering into. As such, I inquire on this basic information.
Seller Financing Makes Sense
As you can see, there are a lot of reasons why Seller Financing makes sense. Anything that allows an investor to extract abundantly more profit AND passive income out of a property is worth taking a close look at. While it does involve some extra steps, my personal opinion is that it's almost always worth the trouble.
If you haven't considered this approach before, it might be time to give it some serious thought.
Related Topics:
How to Close a Land Contract In-House
How to Close a Deed of Trust In-House
Land Contract or Deed of Trust? Which is Better for Seller Financing?
Supercharge Your Profitability With Seller Financing
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Frenchay Women's Running Club in Bristol
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Frenchay Runners were invited to spend the morning at Bristol Boxing Gym. We all had a great time taking part in a boxfit class. Lets hope they have us back!
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Storage & Pet Housing
Wooden garden sheds, summerhouses, playhouses and garden buildings
We supply Albany sheds, summerhouses, playhouses and garden buildings. Our sheds, summerhouses and garden buildings are constructed to a high standard using good quality Tongue & Groove Shiplap Cladding. All our buildings are treated with a factory base coat treatment and are available in a number of styles and sizes. Come and view the products at Boxley Sawmill, Maidstone, Kent before you buy. Delivery and installation available.
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Features: Scout's Brass Push Button Compass 2"
The Hampton Nautical solid brass 2" push button antique pocket compass is a polished to a mirror-like shine and is a great companion for the true navigator.
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Turtle Dove
By: Lawrence De MariaPrivate eye Alton Rhode has been asked to give away the bride at a "destination wedding" on remote Bald Head Island. It is a weird situation, given the fact that the bride once worked for people trying to kill him!
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Book DescriptionPrivate eye Alton Rhode has been asked to give away the bride at a "destination wedding" on remote Bald Head Island.
It is a weird situation, given the fact that the bride once worked for people trying to kill him!
But Rhode decides to make the best of it. He and his lady love, the beautiful Alice Watts, turn the occasion into a week-long vacation at the exclusive resort off the coast of North Carolina.
Taking a break from the wedding festivities, Alton and Alice attend a luncheon honoring the island's most-famous resident, the elderly and reclusive Ashleigh Harper, whose first and only novel is a touchstone of American literature, having inspired a generation of America's youth with its ecological message.
That is when things really become weird!
Rhode is soon involved in a plot that will stun the literary world.
The bodies pile up on peaceful Bald Head, where the only previous murder occurred almost five centuries earlier!
And before he solves the case, Rhode finds himself the target of a cold-blooded temptress and her maniac lover, who feeds his victims to sharks!
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- 3-piece power-retractable hardtop
- 4-passenger seating
- 428i and 435i models
- Standard automatic transmission
- Optional all-wheel drive (AWD)
IntroductionThe new 2014 BMW 4 Series Convertible is a replacement for the outgoing 3 Series Convertible and shares its design and platform with the recently introduced 4 Series Coupe. Equipped with a longer wheelbase and a wider track, the 4 Series Convertible is larger than the car it replaces. It also rides lower to the ground and boasts a reduced center of gravity, according to BMW.
Upon the 4 Series Convertible's arrival in BMW showrooms, it will be offered as the 428i or the 435i in standard, Luxury Line, Sport Line, or M Sport Line trim levels. Luxury Line 4 Series convertibles have extra chrome trim, unique wheel designs, and bespoke wood and upholstery selections. Sport Line versions get a sport suspension, sport seats, blacked-out exterior trim, red interior accents, and twin-spoke wheel designs. M Sport Line versions are equipped with M Sport suspension and brake upgrades, blue-painted brake calipers, M-design light alloy wheels, Shadowline exterior trim, and an aerodynamics package.
Exterior FeaturesAs was the 3 Series Convertible, the new 4 Series Convertible is equipped with a 3-piece power-retractable hardtop roof. BMW says the roof opens and closes in 20 seconds, at speeds up to 11 mph, and when it is stowed in the trunk creates what the company calls a "boat deck" appearance.
With the roof raised, the 4 Series Convertible offers 13 cu. ft. of trunk space. The new 4 Series Convertible is also equipped with a folding rear seat and a rear-seat pass-through designed to carry skis.
When the roof is folded, the trunk measures 7.8 cu. ft., enough to carry luggage or golf clubs, according to BMW. A new load and unload assistance feature moves the folded roof out of the way when loading or unloading the trunk.
Interior FeaturesBMW has installed what it calls a "noise-absorbing" headliner that helps make the 4 Series Convertible's cabin quieter than the outgoing 3 Series Convertible. The front seats also feature an integrated seat belt design to ease rear-seat entry and exit. A windblocker is standard equipment and stows behind the rear seats when it is not in use. When the top is down, the car's automatic climate control system automatically adjusts settings to account for outside temperatures and vehicle speed.
Optional FeaturesThe 4 Series Convertible offers 3-setting neck warmers for front-seat occupants, a feature included in the optional Cold Weather package. Selected additional upgrades for the new 4 Series Convertible include a next-generation navigation system, full LED headlights, LED high-beam assistant, full-color head-up display, Variable Sport Steering, Active Driving Assistant, and Active Cruise Control with Stop & Go capability.
Under the HoodThe 2014 BMW 428i Convertible is equipped with a turbocharged, 2.0-liter 4-cylinder engine making 240 horsepower between 5,000 rpm and 6,500 rpm, and 255 lb.-ft. of torque between 1,250 rpm and 4,800 rpm. BMW says this version of the 4 Series Convertible accelerates to 60 mph in 6.2 seconds, and can reach a governed top speed of 155 mph when equipped with performance tires.
The 2014 BMW 435i Convertible has a turbocharged, 3.0-liter 6-cylinder engine. This power plant is rated to generate 300 horsepower between 5,800 rpm and 6,000 rpm, as well as 300 lb.-ft. of torque between 1,200 rpm and 5,000 rpm. The 435i Convertible model's zero-to-60 acceleration time is an estimated 5.5 seconds, and top speed is limited to 155 mph with performance tires.
An 8-speed Sport automatic transmission is standard, offering the driver manual control with a shift gate and paddle shifters. Normal and Sport driving modes adjust powertrain calibration accordingly, and a standard Driving Experience Control switch gives the driver a choice between Eco Pro, Comfort, Sport, and Sport + vehicle settings. According to BMW, using Eco Pro mode can improve fuel economy by as much as 20 percent.
All 4 Series Convertibles have automatic engine start/stop technology and a brake-energy regeneration system that further squeezes every mile possible from each gallon of gas. BMW's xDrive all-wheel-drive (AWD) system is optional for the 428i Convertible.
SafetyIn order to protect occupants in the event of a rollover accident, the 4 Series Convertible is equipped with two steel roll bars that deploy from behind the rear seats when sensors determine that a rollover accident may be imminent.
BMW Assist is also standard, and includes 10 years of eCall Emergency Calling with enhanced Automatic Collision Notification. BMW calls the system "enhanced" because it employs an Urgency Algorithm that transmits key information about the severity of the crash, the number of additional vehicles involved, likely injuries and their severity, and tells emergency responders how many rescue personnel might be required on the scene.
Active Blind Spot Detection is optional, as is an Active Driving Assistant system. The latter feature employs a camera to monitor for potential collisions with vehicles ahead or with pedestrians. When a threat exists, the system issues audible and visual warnings, and primes the braking system for emergency braking. If the warnings go unheeded, the system engages automatic hazard braking. The Active Driving Assistant includes a lane-departure warning system.
TechnologyThe new 2014 BMW 4 Series Convertible is equipped with a next-generation version of iDrive 4.2, with a new navigation system available as an option. The new navigation system offers route tailoring, enhanced real-time traffic display, and touch-pad atop the iDrive controller for manual input of letters and numbers.
For 2014, BMW's Active Cruise Control with Stop & Go system is upgraded, now employing both a camera and full-range radar for improved traffic detection and response times. The 4 Series Convertible can also be optioned with a Surround View with Top View camera system, and a Parking Assistant that automatically steers the car into parallel parking spaces while the driver operates the pedals and transmission.


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Several folks are baffled about how to embark on home theaters, and just how much to spend. As opposed to general belief, those with a modest budget can nevertheless have enough money for an affordable system that should suit the needs.
Exactly what you finalyze will depend on reconciling your needs with your accessible finances. You will find low-cost and mid-range choices that offer impressive valuation and effectiveness, whilst various extremely expensive solutions which only provide a limited improvement in overall performance and might not continually be the highest quality.
The following recommendations could possibly let you combine your wants withsome sensible, affordable, approaches for setting up your home theater.
1. Give Thought To What's Key for Your Home Theater
A home theater equipment is an exhilarating relaxation solution that presents the customer with an immersive visualizing and hearing sensation. Your home theater device may be just a TV and inexpensive sound system or a classy custom-built system with video projector, in-wall audio speakers, high-priced home theater seating.
Let us discuss the primary issues you have to request replies to: Would you like the largest viewing picture possible? Are you considering enjoying a long time viewing TV, watching dvds, hearing good music, or playing video games? Are you willing to integrate the internet into your home theater body?
Mainly because you get pumped up about your home theater programs, also be familiar with errors that could affect either your finances and satisfaction of your trusty new equipment.
More Information
2. Opt If to Update or Commence Afresh
Acquire inventory of whatever you currently have and contemplate you might like to retain - perhaps just for now. After you probe anything you include, take into account what you would like your executed home theater system to comprise of. Here I will discuss some cases:
A Display System: Television system or video projector/screen.
More than one of the Alternatives: DVD Player, Blu-ray Disc player, game console, network media player, antenna, cable, or satellite TV.
An Audio System: Stereo or home theater receiver and speakers.
Products Holders or Closet: For putting components and keeping videos.
Seating: For relaxing for watching and listening.
Additionally, if you are intending to improve and dispose of your used components, consider a few terrific approaches to Exchange Old Home Theater Electronics.
3. Deem a Home-Theater-in-a-Box or Sound Bar
When you have a modest space to utilize, or perhaps don't wish the troubles of designing an intricate launch, deem a proper size display and either a home theater-in-a-box or sound bar method.
Home theater-in-a-box systems are reasonably priced programs possessing many of the pieces necessary, like loudspeakers, a surround system receiver, and, sometimes, even a DVD or Blu-ray Disc player.
A sound bar is a layout that delivers a larger surround-like arena from just one speaker shelf, which may be situated above or below a TV. Some sound bars enjoy their very own inner amps and often include a CD/DVD or Blu-ray Disc player. Sound bars conserve plenty of space and prevent the demand for surplus surround speakers in a moderate setup.
4. Examine the Concealed Attributes of Blu-ray Disc Players
While Blu-ray disc players continue to be costlier than DVD players, there are actually a number of genuine money-saving benefits to acquiring a Blu-ray disc player. Blu-ray disc players not simply play Blu-ray discs, but also play DVDs and CDs equally well.
Additionally, an increasing amount of Blu-ray disc players can likewise play audio, video, nevertheless image information from USB flash drives via an onboard USB interface.
Finally, a growing number of Blu-ray disc players can be network-enabled. These players could beplugged into the cyberspace by means of a router, enabling you to instantly gain access to online audio and video material without making use of a Personal computer. Search for these, along with capabilities, when looking for a Blu-ray disc player.
Additional Data
5. Purchase Redesigned Items When You Don't Call for the Most recent and Very best
People are usually searching for sales. A way reduce costs in making a home theater is usually to purchase reconditioned items, especially when you don't need the advanced and biggest. As the majority of us imagine a redesigned product, we visualize an item that had been opened up, torn apart, and renewed, for instance an automobile transmission restore, for instance.
But, in the electronics domain, it may not be so evident what the phrase "refurbished" really implies for the user. Before you can launch your mission to unearth those great bargains, wing yourself with a little helpful buying strategies for ordering second hand goods.
Further Facts
6. Don't Over-Pay For Decors
Whilst you invest in a Tv set, Blu-ray disc player, home theater receiver, speakers, and subwoofer, the cost for all those items isn't your absolute total. In the end you want wiring, wires, and perhaps other accessories, for example a regular remote control and surge guard, to comprehend it all set up and performing. Add-ons often is high-priced, however they don't ought to be. Stay clear of both the $100 six-foot HDMI wires as well as the too-good-to-be-true deal underground room things.
7. Think about the Long-term Bills utilizing Your Home Theater System
It doesn't be up to any heart-warming invest in a home theater for those who don't have the available funds to appreciate it as you go along. Listed below are some aspects to contemplate:
A. Discs. The typical valuation on a DVD movie is around $15, and the approximate value of a Blu-ray Disc movie is about $25. Always pay attention to sales. Think about leasing DVD/Blu-ray discs in case you are not enthusiastic about preserving them.
B. Cable and satellite fees (is determined by the bundle which you contract for).
C. Pay-per-view (costs differs, may be a little as $3.99 per watch or $20 or even more for some special occasions).
D. Video projector illumination upgrade (many hundred dollars a pop after some initial visualizing hours - usually 3,000 to 5,000 - varies according to projector brand/model).
8. Being Economical is nice; Obtaining Good is wiser
Home theater often is a complete money saver, if you pick intelligently. The important factors: Don't order the low quality, still don't overpay for simply an unimportant rise in functionality. Be confident with your grab. If you can't pay for everything straight away, an effective approach to commence would be to acquire a smart TV and improve out from there.


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Where do sex offenders go to hide from the law and not register as a sex offender? They may be going to Puerto Rico or the Virgin Islands. These are territories of the U.S. and you don't need a passport to enter these countries. However, in these island countries sex offenders still have to register.
Each month, about half a dozen sex offenders come to the island from the U.S. mainland. Some do register with local authorities, according to Puerto Rico police Capt. Margarita George who oversees the island's sex offender registry. Nobody knows how many others fail to report in.
As a result, Puerto Rico law enforcement is cracking down on unregistered sex offenders in their country. Federal agents have arrested at least five sex offenders over the last year for failure to register in Puerto Rico. These low-lives have been sent back to the U.S. to face prosecution on other charges. There may be 10 more cases of unregistered offenders on the island.
Sex offenders come to the islands because of the lack of laws barring them from living near parks or schools. Failing to register is a misdemeanor in Puerto Rico, not a felony as it is in most parts of the U.S.
In 2006, the U.S. Congress tried to close local loopholes on tracking them. The law required that all states and territories to impose the same tough monitoring of sex offenders. No matter where they are they need to update their registration information in person as frequently as every three months. So far, only Florida, Ohio, Delaware and some Native American jurisdictions meet the new federal standards.
Unfortunately about 100,000 of the 714,000 registered sex offenders in the United States are unaccounted for. Are some of these sex offenders in the Caribbean Islands?