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March 12, 2017
Oh KITTIES! Look Who Mom Found!!!!
Loved-on Donkey has elongated arms and legs from all the strong lovins I give him. And he is much thinner too from having had surgery on his poor back so many times. He isn't ready for the Rest Home yet though. Plenty of lovins left there. Mom said she's not sure if she should substitute my spiffy brofur occasionally or not to get me accustomed to him.
I just wanted to share my great unexpected and furry welcome news. 💗
38 comments:
That really is good news pretty Katie!ReplyDelete
How exciting, Sweet Katie! It's a Donkey family reunion at your house! :)ReplyDelete
Oh so glad that donkey has a brother. What fun. Now you have two donkeys just like we do. Have a great day. We did get snow.ReplyDelete
That is very cool, I am glad you have a spare donkey.ReplyDelete
Always good to know there is a backup ;)ReplyDelete
Purrs Georgia,Julie and JJ
This is so pawsome! Welcome, Donkey Brofur. PS: hoomins always blame us, don't they? Sad.ReplyDelete
I think a few rounds with the new donkey would be a good idea. You want him to smell familiar. (Keep an eye out for the claw trimmers!)ReplyDelete
Oh you lucky girl! New donkey looks pretty pristine...we bet he'd lub some lubbings too.ReplyDelete
OMC, what GREAT news! I can see how much weight old Donkey has lost in his old age. Maybe your human can rub them together so they trade scents... just like people do with two kitties when one has to go to the vet.ReplyDelete
Great news, about New Donkey! I'm sure you and your Mom were both glad.ReplyDelete
That is a most auspicious discovery, Miss Katie! We are delighted for you.ReplyDelete
The Chans
Do you mean those two brothers were once actually twins? Wow. Donkey has been havin' a LOT OF LOVIN', for sure. PURRS.ReplyDeleteReplies
They were once twins indeed. I should have said so.Delete
Um, you know in some states you could get jail time for Donkey Abuse, darling Katie. If I were New Donkey, I think I'd skedaddle to Marg's and live with her donkeys. They seem well-cared for even if they didn't win the election. Hee hee. Love is dangerous, it seems. XOXOXOXOReplyDelete
Dearest Katie Isabella,ReplyDelete
Wow, that was a very unexpected find! Love to see them side by side and one can tell how much loving you gave the older one.
Sending you hugs and stay warm as it is getting mean cold outside by mid week...
How awesome that you have another Donkey when your current Donkey finally retires.ReplyDelete
That is wonderful news sweetie. I think mom should rub the two donkeys together and then let him nap in hte toy box until he's ready for some loving.ReplyDelete
what is with moms anyway? Mine blames me for stuff she does wrong all the time... UGHReplyDelete
XOXO Lucy
Wow how wonderful your Donkey's brofur showed up! But he looks so fat and new -- he does need lots of your lovin' :-)ReplyDelete
- AnonymousMarch 13, 2017 at 7:16 AM
WOW! That's a stroke of luck for sure! Your old donkey looks a lot like my white mousie that Angel Sammy "willed" to me when he left. I've murdered it over and over and it has patches and bandages and is skinny and sickly BUT I LOVE IT. Mom bought me new mousie but I don't like it. It doesn't remind me of Angel Sammy! Anyway, I'm glad you have double donkeys - that's a sign of good luck you know.......ReplyDelete
Love, Teddy
Wow, a spare donkey. How lucky was that find. I's obvious that old donkey will eventually need to be retired. XOCK, Lily Olivia, Mauricio, Misty May, Giulietta, Angel Fiona, Astrid, Lisbeth, Calista Jo and Cooper MurphyReplyDelete
We bet old donkey said 'oh thank Cod' when your mom found his brother! :)ReplyDelete
Great news about the donkey!ReplyDelete
Purrs xx
Athena and Marie
Isn't it FUN when your hooman finds something for you that neither of you expected?? YAY for you Katie!ReplyDelete
eye noe this commint haz nothin ta due with this postReplyDelete
but eye wanted ta say thanx 777 bazillion timez for
yur kindnezz two me & me familee last week
sorree for de copee N paste type for mat…….lovez all wayz
boomer ♥
How nice for Donkey to be reunited with his long lost brother.ReplyDelete
Mum is so amazing isn't she and bet Donkey is happy to have his brother backReplyDelete
Nice treat!ReplyDelete
Emma and Buster
Old Donkey must be so happy to see his long-lost brofur! You should let them have some family time togefur.ReplyDelete
Oh, how nice that you both are together again!ReplyDelete
Woppie! This is great news! Donkey 2!!!ReplyDelete
Yous is one lucky grrl Katie!
Stops by my bloggie and sees what wes gotted today!
Kisses from Your Bestest Grrl Furrend
Nellie Bellie
- AnonymousMarch 14, 2017 at 5:07 AM
Ha! OMGoodness, KI! Are you sure those guys are brothers? They do not look alike at all. Original Donkey has taken a beating of love. Mom read in The Velveteen Rabbit that after a toy is loved enough it turns "real." If that book is true, your mom had better stock up on hay and carrots, because Original Donkey is about to come alive....ReplyDelete
Love and licks,
What a pawsome find!!! We're glad Donkey and Donkey2 are reunited!!!ReplyDelete
The Florida Furkids
How exciting! Now you will never be without a Donkey, no matter how much loving you give him.ReplyDelete
Maggie, Mickey Mouser and Rufus the Red
- AnonymousMarch 14, 2017 at 3:29 PM
Dude has lost two favourite toys. I am at a loss to replace them. I cannot find them anywhere. One is a narrow spring with pom-poms glued to each end. It was his first toy. Isn't that the way it goes? Hugs.ReplyDelete
Katie, you will never be short of a donkey now! But you need to put the luvvins on new upstart donkey so that original donkey doesn't feel alone in his dishevelment! xxxReplyDelete


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Catholic in the Public Square"...the truth will set you free." John 8:32
My name is Jim Havens. I'm a Catholic family man: married to my best friend Becky for nearly eight years and raising four children (ages 7, 5, 4, 1).
As a young adult I had a pretty big conversion to Christ, marked by a powerful experience of returning to the Sacramental life of His Catholic Church via Confession and Holy Communion in December 2001. Drawing deeper into a life of prayer and striving to be faithful to the promptings of the Holy Spirit, I ended up studying at Franciscan University (M.A. Theology '06) and serving others through various positions of leadership with Catholic parishes, schools, and organizations ever since.
After more than six years of living out a rather unique call as a missionary family of the new evangelization – which included about two years in the Diocese of Pensacola-Tallahasse, two years in the Diocese of Nashville, eight months in the Archdiocese of Minneapolis-St. Paul, and one year in the Diocese of St. Augustine – our family has just recently settled in back home in Western New York, where both my wife and I grew up.
My vision for this blog is to simply be a place where I can add some well-developed thoughts and reasoned responses to the digital public square.
"The Church cannot and must not take upon herself the political battle to bring about the most just society possible. She cannot and must not replace the State. Yet at the same time she cannot and must not remain on the sidelines in the fight for justice. She has to play her part through rational argument and she has to reawaken the spiritual energy without which justice, which always demands sacrifice, cannot prevail and prosper." Pope Benedict XVI, Deus Caritas Est, 28
Recommended Reading:
- Catechism of the Catholic Church – Jesus and His Catholic Church are the real deal. The Catechism of the Catholic Church is a statement of the Church's faith and of Catholic doctrine, attested to or illumined by Sacred Scripture, the Apostolic Tradition, and the Church's Magisterium. It is a sure norm for teaching the faith and thus a valid and legitimate instrument for ecclesial communion.
- Forming Consciences for Faithful Citizenship: A Call to Political Responsibility from the Catholic Bishops of the United States
- Catholics in the Public Square by Most Rev. Thomas J. Olmsted, Bishop of the Diocese of Phoenix

subset: commoncrawl


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Oct 19 – Thursday Sports
In Wednesdays action…
The girls tennis team recorded another 8-1 victory, this time against College Park HS.
The girls water polo team overwhelmed Northgate HS.
The boys water polo team overcame a slow start to easily defeat Northgate HS 18-8.
In Thursdays action…
The girls volleyball team hosts Las Lomas HS. This is their Dig Pink game to bring attention to breast cancer awareness. All donations will be given to the Susan G. Komen Foundation. Freshmen at 4:00, jv at 5:00 and varsity at 6:30.
The girls tennis team hosts Miramonte HS at 3:30. Varsity is home and jv is away.
The freshman football team plays at Clayton Valley Charter HS at 5:00.
Wednesdays individual standouts…
Girls tennis. Sydney Bell, Sasha Schtein, Jasmine Toni, Erin Warenski and Zoe Cate won singles matches. Megan Cardiff & Maddie McDonagh, Olivia Reinecke & Sam Sweeney and Molly Cronk & Vivian Toni won doubles matches.
Boys water polo. Jake Stone scored 9 goals and had 1 assist and 1 steal. Alex Archer scored 3 goals and had 1 assist. Kiriyan Kartsev scored 3 goals.


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FORT LAUDERDALE — It is on to the Region 7-3A title game for Cardinal Gibbons, the state`s No. 1-ranked baseball team.
The Redskins, who have topped the state 3A poll the past two months, rode the eight-hit pitching of Hubert Power and a four-run third-inning to their 22nd victory Friday, a 6-2 victory over Northeast in the District 13-3A title game.
It is Cardinal Gibbons` first district baseball title since 1982.
Power, a senior right-hander, went the distance, striking out seven while improving to 9-0.
``It wasn`t his best performance,`` Cardinal Gibbons coach George Petik said, ``but still a good one. He got into a few jams, some of them not his fault. We didn`t play that well defensively behind him, but the kid managed to get out of most of them.
``Power is a pitcher who really has been shortchanged this year, mainly because of the job (left-hander Frank) Humber (12-0) has done. But in the past 2 1/2 weeks, Hubert has been our ace.``
Power had previously worked twice against Northeast, beating the Hurricanes both times.
``I had a good book on their hitters,`` Power said. ``I have been studying charts on them the last two days, probably concentrating more on them than my school work. But now I`ll leave it up to Frank to get us past the next game.``
The Redskins (22-2-1) will play Cardinal Newmanfor the region title Tuesday in West Palm Beach.
Power had both his curve and fastball working against the Hurricanes (11-11).
``I wasn`t that sharp at the beginning of the game, but when we got those four runs in the third inning, things got a lot easier for me,`` Power said.
The Redskins went into the third inning with a 2-1 lead, scoring runs in each of first two innings on RBI hits by Ken Rinaldi and Power.


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Global Injectable Drug Delivery Market is expected to reach USD 789.7 billion by 2024 from USD 330.6 billion in 2016, at a CAGR of 11.5% in the forecast period 2017 to 2024.
Global Injectable Drug Delivery Market, By Type (Devices {Conventional Injection, Self-Injection}, Formulations {Conventional Drug Delivery, Noble Drug Delivery, Long Acting Injection Formulations}, Applications (Autoimmune Diseases, Hormonal Disorders, Orphan Diseases, Oncology), Usage Pattern (Curative Care, Immunizations), Mode of Administration (Skin, Circulatory, Organs, Central Nervous System), End User (Hospitals & Clinics, Home Care Settings, Research Laboratories, Pharma & Biotech Companies), Geography (North America, Europe, Asia-Pacific, South America, Middle East Africa) – Industry Trends and Forecast to 2024
The new market report contains data for historic years 2015, the base year of calculation is 2016 and the forecast period is 2017 to 2024.
Request for TOC@ databridgemarketresearch.com/toc/?…g-delivery-market Injectable Drug Delivery Market – Market Segmentation:
Injectable drug delivery device market is segmented into conventional injection devices and self-injection devices. The injectable drug delivery formulation is segmented into conventional drug delivery formulation and novel drug delivery formulation.
On the basis of application, the market is segmented into autoimmune disease, hormonal disorders, orphan diseases, oncology and others.
The autoimmune diseases segment is further sub segmented based on indications into rheumatoid arthritis, multiple sclerosis, Crohn's disease, psoriasis and others. Hormonal disorders are further segmented into indications such as diabetes, antithrombotic therapy, reproductive health diseases, anemia, osteoporosis and others.
On the basis of usage pattern, the market is segmented into curative care, immunization and other usage pattern.
On the basis of mode of administration, the market is segmented into skin, circulatory/muskoskeletal, organs and central nervous system.
On the basis of end users, the market is classified into hospitals and clinics, home healthcare, research laboratories, pharmaceutical and biotechnological companies and others. In 2017, the hospital &clinics segment is expected to dominate the market and is expected to continue this trend till 2024.
Browse Full Report with Details TOC @ databridgemarketresearch.com/repor…-delivery-market/ Based on geography, the market is segmented into five geographical regions:
- North America
- Europe
- Asia-Pacific
- South America
- Middle East and Africa
The geographical regions are further segmented into 29 major countries such as U.S. Canada, Mexico, Germany, France, U.K., Belgium, Switzerland, Belgium, Turkey, Japan, China, Singapore, Brazil, India, Russia, South Africa and others.
Request For Sample: databridgemarketresearch.com/reque…g-delivery-market Some of the major players operating in this market are
Becton Dickinson and company is going to dominate the injectable drug delivery market following with Pfizer and Baxter International, Inc., along with others such as Gerresheimer AG, Schott AG, Alkermes Plc., Eli Lilly and Company, Sandoz, Terumo Corporation, Teva Pharmaceuticals Industries Ltd., Bespak, Antares Pharma,Elcam Medical, Haselmeier, Mylan N.V., Novo Nordisk, Owen Mumford Ltd, Sanofi, West Pharmaceutical Services, Inc, Ypsomed Holding AG.
Inquire report @ databridgemarketresearch.com/inqui…g-delivery-market
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Category: Market Research Publishers and RetailersCompany about: Data Bridge Market Research set forth itself as an unconventional and neoteric Market research and consulting firm with an unparalleled level of resilience and integrated approaches. We are determined to unearth the best market opportunities and foster efficient information for your business to thrive in the market. Data Bridge endeavors to provide appropriate solutions to the complex business challenges and initiates an effortless decision-making process. Data bridge is an aftermath of sheer wi ...
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Recall Notice: Rich Products Corporation Issues Nationwide Allergy Alert on Undeclared Walnuts in Certain Ice Cream Cake Products, With 0 Comments, Category: Recalls,
Company Announcement
When a company announces a recall, market withdrawal, or safety alert, the FDA posts the company's announcement as a public service. FDA does not endorse either the product or the company.
Rich Products Corporation Issues Nationwide Allergy Alert on Undeclared Walnuts in Certain Ice Cream Cake Products
For Immediate Release
December 21, 2016
Rich's Helpline
Dwight Gram
Rich Products Corporation in Buffalo, NY, is voluntarily recalling approximately 6,600 cases of ice cream cake products because they may contain undeclared walnuts. People who have an allergy to walnuts run the risk of a serious life threatening allergic reaction if they consume these products.
The affected Ice Cream Cakes were sold to distributors and in-store retail bakeries nationwide.
The products listed below are included in the recall. The UPC code can be found at the bottom of each label, and the Best By date codes can be found on the side of each individual cake unit's package:
- 4 LB 8 OZ Jon Donaire Ice Cream Layer Cake (Deliciously moist white cake with rich, creamy strawberries & cream ice cream)
- UPC Code: 049800 047761
- Best By: JUN-27-17, JUL-15-17, JUL-23-17, JUL-28-17, AUG-27-17
- 4 LB 13 OZ Signature Select Vanilla Ice Cream & White Cake (Ice Cream Cake)
- UPC Code: 021130 114641
- Best By: JUN-26-2017, JUL-18-17, AUG-01-17
- 4 LB 8 OZ Jon Donaire Ice Cream Layer Cake (Deliciously moist white cake with rich, creamy vanilla ice cream)
- UPC Code: 049800 024533
- Best By: JUN-25-17, JUL-23-17, JUL-29-17
- 4 LB 8 OZ Jon Donaire Ice Cream Layer Cake (Deliciously moist white cake with rich, creamy vanilla ice cream)
- UPC Code: 049800 628786
- Best By: JUL-29-17
- 60 OZ Rich's ¼ Sheet White Cake with Vanilla Ice Cream Cake
- UPC Code: 049800 290013
- Best By: OCT-20-17, NOV-01-17
Rich Products Corporation has not received any reports of adverse reactions associated with these products and has issued this voluntary recall action as a precautionary measure.
The recall was initiated after Rich's discovered that the ice cream cake layers supplied by a third party supplier may contain walnuts. Rich's is currently working with the supplier to address the issue and has notified the U.S. Food and Drug Administration (FDA) of this voluntary recall.
Consumers who have purchased the specific recalled products are advised not to consume them and to return the products to their point of purchase for refund. Consumers with questions may contact Rich's Helpline at (800) 356-7094, Monday – Friday, 8:00am – 5:00 pm EST.
* We believe that none of the products being recalled were processed or offered through the national office.
* We strongly encourage you to notify your agencies within one business day from receipt of this notice.
* ALL cased and uncased inventories, both at the member level and agency level, need to be checked. This product may have entered member and agency warehouses through salvage, local donations, TEFAP, local purchases, retail pickups, food drives, or other avenues.
* For additional local details, please contact the Health Department(s) for the area(s) your food bank serves.
For full details on the recall, please visit: http://www.fda.gov/Safety/Recalls/ucm534213.htm?source=govdelivery&utm_medium=email&utm_source=govdelivery


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Rihanna on the set of her Balmain campaign.
Photo: Balmain's YouTube Page
Late last year (that joke never gets old, right?), Rihanna nonchalantly dropped what looked to be her ENTIRE Balmain campaign on Instagram. A campaign that has BadGalRiRi wearing houndstooth suits in abandoned steam rooms is a surefire win in our books, but we might even love the behind-the-scenes look even more. Candid Rihanna! Getting her hair and makeup done! Pacing around the set in a head-to-toe j'outfit! It's the best. Balmain has established a permanent place in our BTS-loving hearts by releasing not one, but THREE videos of Rihanna's campaign!
In one of the videos, Rihanna and her stylist Mel Ottenberg discuss how many looks they shot (five), who photographed them (Inez & Vinoodh), and what the shoot was like (epic). Rih assured viewers that the process of making the campaign was fun, which is great, because Rihanna works hard and deserves a little fun every now and again.
In another video, Olivier Rousteing, Balmain's creative director and Rihanna stan, explains that he created this collection around Rihanna after she visited his studio in June. He says that the collection is based upon Rih's ability to mix "fashion with music," which is obviously an art we at MTV Style take very seriously.
The final video explores the campaign's approach to Rih's makeup, which they kept natural because, SPOILER ALERT, "Rihanna wakes up looking amazing." First, ladies, tell 'em, I WOKE UP LIH DIS, I woke up lih dis. Second, HOW DOES HE KNOW??? Have there been some fashion sleepovers we've been missing out on? Our invites must've been lost in the mail... Regardless, we still have yet to see this wavy bob on Rihanna IRL, but we'd like to. It #werks. You can peep all five of Rihanna's campaign images on her Instagram to get a complete sense of just how naturally beautiful she is (duh) and what not to wear in a steam room.
Like us on Facebook so we can be friends and follow us on Twitter @MTVstyle to talk.


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China launches spacecraft on spacewalk missionSeptember 25th, 2008 - 8:34 pm ICT by IANS
Beijing, Sep 25 (Xinhua) China's third manned spacecraft Shenzhou-VII carrying three astronauts on the country's first-ever spacewalk mission blasted off from the northwestern Jiuquan Satellite Launch Centre Thursday.During the three-day mission astronaut Zhai Zhigang will make the spacewalk Friday, while the other two crew members, Liu Boming and Jing Haiping, will assist him with leaving and re-entering the spacecraft.
Earlier late afternoon, Chinese President Hu Jintao saw off the astronauts at the Jiuquan space centre in the northwestern province of Gansu before they headed to the nearby launch-pad.
Hu praised the astronauts, who are all former military fighter pilots, for their "excellent quality", in a brief meeting some three and a half hours before the scheduled launch at 9.10 p.m.
Tags: boming, chinese president hu, chinese president hu jintao, hu jintao, jiuquan, launch pad, manned spacecraft, northwestern province, president hu jintao, spacewalk


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This site is entirely user-supported. See how you can help.
Street View is the best available vantage point looking, if possible, towards the location of the building. In some locations, Street View may not give a view of the actual building, or may not be available at all. Where it is not available, the satellite view is shown instead.
Latitude: 50.9104 / 50°54'37"N
Longitude: -0.7552 / 0°45'18"W
OS Eastings: 487609
OS Northings: 113067
OS Grid: SU876130
Mapcode National: GBR DFV.V6T
Mapcode Global: FRA 969P.PLD
Entry Name: The Old Cottage
Listing Date: 28 January 1986
Grade: II
Source: Historic England
Source ID: 1026205
English Heritage Legacy ID: 301230
Location: Singleton, Chichester, West Sussex, PO18
County: West Sussex
District: Chichester
Civil Parish: Singleton
Built-Up Area: Singleton
Traditional County: Sussex
Lieutenancy Area (Ceremonial County): West Sussex
Church of England Parish: East Dean, Singleton and West Dean
Church of England Diocese: Chichester
SINGLETON GROVE LANE (south side)
26/192 The Old Cottage.
C18 or earlier. One storey and attic. Three windows. Two gabled dormers.
Faced with cement. Tiled roof. Casement windows. Gabled trellised porch.
Listing NGR: SU8761313066
This text is from the original listing, and may not necessarily reflect the current setting of the building.
Other nearby listed buildings


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Subscribe on Itunes
Stitcher Radio
As a lifelong learner and passionate about self-development, financial education, entrepreneurship, podcast host M.C Laubscher will be your guide interviewing successful and inspiring guests that share their knowledge, experience, and journey to help guide you to achieve your goals and help you thrive and prosper in the new economy. M.C. Laubscher is a wealth strategist, educator, and financial freedom fighter. He is the founder and president of Valhalla Wealth Financial and host of the popular business and investing podcast, Cashflow Ninja. His mission is to help as many people as possible eliminate the control banks and financial institutions have over their lives by building their wealth in a variety of ways outside of Wall Street. He believes the best way to achieve this in the Information Age, is by reclaiming the banking function in your own financial life through structuring an efficient cash flow management system and creating and building assets that provide multiple streams of income. M.C. challenges existing societal belief systems and misinformation around concepts such as money, saving, investing, wealth and retirement. He has shared these ideas as a guest on several podcasts and is a regular contributor to Medium.com and Biggerpockets.
Favorite Success Quote:
The illiterate of the 21st century will not be those who cannot read and write, but those who cannot learn, unlearn, and relearn. – Alvin Toffler
Change is not merely necessary to life – it is life. – Alvin Toffler
Favorite Books:
Rich Dad Poor Dad
Killing Sacred Cows
Favorite Mentors
Mom and Dad
Tim Ferris
Robert Kiyosaki


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Join Al and Vickie for this 2-hour workshop in which you'll learn how to reduce pain using MELT Method techniques. MELT props are provided for use during workshop and are also available for purchase. During this workshop, you will also learn:
- how the MELT Method® can help you relieve stress, chronic pain, tension, headaches, insomnia and much more
- a variety of specialized techniques using the melt foam roller & therapeutic balls
- how to achieve better alignment, movement, joint function & performance, while reducing inflammation and re-balancing the regulators of the nervous system
Cost: $40 member, $50 non-members


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Money gives you the power to make choices.
But that doesn't mean it needs to be stressful.
Make more.
Negotiate for what you deserve, invest wisely, and start that side hustle.
Spend smarter.
Mindfully spend on the things that make you happy while making smart decisions about things that give you a strong financial footing.
Live bigger.
Rather than seeing money as an obstacle to your best life, use it as the tool to help you get there.
Hi there.
I'm Erica and I want to change how we talk, think about, and use our money.
We all know that we should be budgeting, saving, and investing. And that yes, of course, our future self will thank us for that. But honestly, that doesn't make what you're doing today any easier.
All of the finger-wagging, shame-filled financial advice doesn't cut it for most women I know. And it certainly didn't work for me.
I've always been interested in money, but that doesn't mean I've always know what to do with it. I graduated from UC Santa Barbara with a degree in economics and went on to get my CPA license and work at PricewaterhouseCoopers. Saving money was my side hustle and eventually, I had a little nest egg sitting in my bank account.
A career change, a move across the country to Duke for my MBA, and a $100k+ tuition bill wiped out that little savings account. Over the next few years, I found myself with $120k in student loan debt, married (to someone with no debt), moving to London, and changing careers.
And to be honest, I felt in over my head. I was ignoring my retirement account, wringing my hands over my monthly student loan bill, arguing with my incredibly patient husband about money and career goals because I felt like I was out of control.
But rather than throw in the towel, I changed the way I looked at my money (or at times, lack thereof). I went back to the good foundation I had started with and learned more.
I started to view money as a tool to help me live the life that I wanted, rather than seeing it as an obstacle in my way.
I got great at speaking up for what I deserved, and finally learned to negotiate the big things (which wiped out 20% of my debt).
I cleaned up my act with investing and learned what fees to look for, how to shop around, and how to stay in it for the long haul.
I worked with my husband to make sure we both felt fully comfortable with the money choices and goals we made, like buying a house and moving to self-employment.
And I finally realized that money management wasn't just a set of 5 rules you need to follow. It was emotional. It could be difficult. But it could also be freeing.
When I began seeing and using my money as a tool to get the bigger things I wanted in life, life changed.
And while I thought this was just a problem I needed to deal with, I learned the truth:
Women have more varied career paths, they get paid less, they invest less (even though hi, we're better at it), and they live longer.
And while there is so much shame and guilt focused on spending, there's not a lot of interesting information on the bigger money opportunities.
For example, negotiating for an extra $7,000 early on can add over $1 million in earnings over the course of your career. So why then is a majority of the financial information for women geared toward clipping coupons, tracking pennies, and guilt about spending? They don't make coupons big enough to make up that million dollar difference.
Because I couldn't find anything that I spoke to the money challenges I faced, and I knew that other women out there were struggling with the same thing, I started writing, running workshops, and creating tools to fix that.
Don't procrastinate with your dreams. Head to the toolkit to get free email courses to make more and live better.
Join the Project!
Get the latest and greatest delivered weekly plus some extra good stuff.
Join the Project!
Get the latest and greatest delivered weekly plus some extra good stuff.


text:
More than 70 tea party candidates are on ballots nationwide, and an analysis by The Associated Press finds that nearly three dozen are locked in competitive House races.
From the hundreds of conservative activists who took up the cause this year, these candidates have emerged to capture nominations - mostly Republican - and are running with the support of loosely organized tea party groups or in alignment with a movement that is furious at the government.
Some of the candidates are political newcomers who have struggled to organize and raise money and have little chance of winning on Nov. 2. But the AP analysis finds that about 35 candidates appear to be waging viable campaigns that have put them ahead or within striking distance of their opponents.


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Flat Cut Letters from Signs 2 Signs
Equipped with two of the latest large format cnc routers we are able to offer outstanding levels of service and quality at no extra cost. Our flat cut letters and logos can be laser cut from as small as 40mm up to the maximum sheet size of 3040×2030.
We use most materials including Acrylic Perspex Polycril Repsol Plexiglas aluminium Composite Alupanel Dibond Wood MDF Foamex.
Our letters can be supplied with a range of fittings including Acrylic and Brass Locator's, Vhb Tape, Threaded Studs.
And with fully computer drawn layouts we can guarantee your letters will fit a treat.


text:
|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|"Gerhard Froehlich" <g-froehl...@gmx.de>
|RE: Cocoon for docs generation
|Mon, 28 Jan 2002 22:58:22 GMT
Hi, >>Also, do you think that docs generation can be a good performance >>measurement of Cocoon speed? >> >I have checked a bit what is done if you launch "build docs". > >If you launch "build docs" the first file in build/cocoon/docs are >generated, that's okay. > >If you launch "build docs" a second time all images, each html is >generated once again, as far as i understand. >Note: I have not changed the documentation source files. > >That might be an explanation for the poor performance. >I think tuning cocoon.xconf only might not be the only solution. > >Sadly I have not found the key for the reason, checking too many sources... >Perhaps some cache, environment/commandline gurue might help? Just a idea, why don't you use the FilesystemStore or the JispFilesystemStore (see scratchpad) for that. Then you would have the Files persistent!? Gerhard "Sex... the pleasure is momentry, the position ridiculous, and the expense damnable. (Lord Chesterfield)" --------------------------------------------------------------------- To unsubscribe, e-mail: email@example.com For additional commands, email: firstname.lastname@example.com
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The song in question, "While You Wait for the Others," is one of a few standout tracks from Grizzly Bear's latest album Veckatimest. The album has been kicking ass on the indie radar since its release this past May mainly due to the fact that, in spite of Grizzly Bear being an indie rock band from Brooklyn, it is really good and defies all the stupid hipster/trendy labels that can so effortlessly be slapped onto any rock bands from Brooklyn (especially Williamsburg) these days.
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Exalted Quests | Faction System | Monster Collection | Ability System | Class Skills | Final Patch Notes
Grand Crusade is a major content update that brings a substantial amount of new features to Lineage II this Wednesday, March 29. In addition to the new conflicts with the Embryo that await Aden's heroes in all-new Dungeons and Hunting Grounds, Grand Crusade provides a number of systems updates, including new quests, class skills, abilities, rewards, and many other gameplay and User Interface (UI) improvements.
Two new exalted quest chains will offer players additional challenges for even greater rewards. Completing the main quest in each chain will yield a more powerful version of Spellbook: Dignity of the Exalted. Further along in each quest chain players will also earn Spellbook: Vitality of the Exalted in two ranks. Here's a quick overview of each new quest chain and the primary rewards they provide:
Exalted, Reaching Another Level
Exalted, Guide to Power
In addition, several existing exalted quests have had their difficulty lowered to give more players an opportunity to advance to the new chains.
The new Hunter's Guild Faction is mobilizing adventurers with quests to dispatch raid bosses across the world, providing you with new rewards in exchange for Raid Points, including:
In addition, the Faction system UI has been improved. You'll be able to view detailed info, such as available quests and benefits for each Amity grade, within the Faction window.
A new Monster Collection window lets players view the stats of defeated monsters, in addition to info on monsters in each territory and their associated Faction, dropped items, appearance, and HP/MP. There are four levels of monster Hunting Goals and the number of monsters that must be defeated increases with each level. XP, SP, and FP are awarded every time a new level of monster Hunting Goals is reached. Monster Collection rewards are available starting at level 99 or higher and progress is shared between main and Dual Class.
The ability system becomes available when a character reaches level 85. Characters receive 1 Ability Point each time they increase in level beyond 85. Abilities are still learned by consuming Ability Points, however, due to the changes to the point system, existing points are being reset with Grand Crusade and new points will be given based on a character's current level. Players can consume SP to reset Ability Points. The Ability effects have been modified as follows:
Several general shared class skills have been adjusted, while some have been replaced with new skills. In some cases, learning these new skills will delete previous skills, even if those skills have been enchanted. The new skills themselves cannot be enchanted; however, their base power is intended to be greater than the enchanted skills they replace. Once a skill has been replaced by its new skill counterpart, the choice cannot be undone—make certain first that you want to replace a skill!
Additionally, some current skills have been changed or renamed for all classes. In this case, enchantments on renamed skills are automatically transferred to the updated versions of those skills.
You'll find a comprehensive list of new features, updates, changes, improvements, and fixes in the official Grand Crusade patch notes. We're thrilled to be releasing this latest installment in the Lineage II saga to all players in North America and Europe this week—we hope you enjoy!


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Today on Coffee with Conrad
4EvaRedeemed ministered at RabbitFest
Sleep Problems
Your Tweets
4EvaRedeemed ministered at RabbitFest
Sleep Problems
Your Tweets
Inspire people to go higher in the Lord.— Timothy Ravenell (@TimothyRavenell) May 19, 2014
We profane God's name when we change His standards.— Dawn Morris (@Dawn_Morris1) May 19, 2014
Some people utterly refuse to be convicted of their sin; turn their ears completely off when the Spirit of God begins to speak. Don't do it.— Ken Raggio (@kenraggiocom) May 19, 2014
It's only in surrender that I'm truly free. - Rend Collective— Chris Woznicki (@CWoznicki) May 19, 2014
Make someone smile whenever you can, you never know how much of a difference you could be making in their life at that moment.— Kendrick Lamar (@MrKendrickLamar) May 19, 2014


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|» Products
|» Aerosol Spray
|» Anti Spatter Spray
With the help of our team of experienced professionals, we process, export and supply Anti Spatter Spray. Used in welding, this spray is formulated under extreme conditions using superior quality chemicals in compliance with the international quality standards. The offered Anti Spatter Spray is widely appreciated for its properties like purity, high effectiveness, precise composition, long shelf life and cost-effectiveness. In order to ensure quality and eco-friendliness, our offered spray is stringently tested on defined parameters.
TSTAR AEROSOL All Rights Reserved.


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Well, that Florida trip didn't go so well for the Phoenix Suns, did it? Less than a week after knocking off the league's best team, the Los Angeles Lakers, on the road, the Suns were roughed up pretty bad by the Sunshine State's two franchises. On Wednesday, the Miami Heat beat 'em 123-96, and on Thursday night, it was the Orlando Magic who put a hurt on the Suns, winning 105-89.
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Former Magic player Grant Hill (booed during much of the game by the Amway Arena crowd) led the Suns in scoring with 21 points. Starting in place of Nash was Goran Dragic, who scored 10 points and dished out four assists. Hedo Turkoglu, signed in the offseason to offset the loss of Amar'e Stoudemire, was a non-factor in the game, even though he played 28 minutes. Turkoglu was 0-for-8 from the floor and pulled down just four rebounds. He finished with two points.


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Some are calling Portfolio the most important and anticipated magazine launch of the year, and maybe even the last big magazine launch ever. Joanne Lipman, formerly of the Wall Street Journal, has recruited 75 writers from publications such as Time, Vanity Fair, and the New York Times to launch a "lush but manly" business magazine called Portfolio. The new publication from Conde Nast, according to New York Magazine, "promises to be different enough from its rivals - Fortune, Forbes, Business 2.0, Fast Company - to sell ads when they can't seem to anymore."
Judging from the Portfolio website and the types of other magazines in the Conde Nast empire (Vogue, GQ, Glamour, Allure, Lucky), it's safe to assume that the magazine will focus on "celebrity business" issues -- hedge fund stars, billionaires and CEO Masters of the Universe -- while adding in a judicious mix of fashion, glitz and glam (so that the magazine can sell perfume and upscale clothing ads, one presumes). For example, check out the graphic for the "Housing Boom in China" article -- it features a completely gorgeous Asian woman in high heels swinging a titanium golf club in a glitzed-out Chinese condo.
No word yet on whether innovation will be a central theme of the new mag, but methinks not.
[image: Conde Nast Portfolio]


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Press Releases
September 2014
TEDCO to Host 2014 Entrepreneur Expo "E2E: Entrepreneurs Inspiring Entrepreneurs" Nov. 12
David Rose, CEO of Gust, to serve as a keynote speaker at State's only large scale entrepreneurial event
COLUMBIA, Md. (Sept. 2, 2014) – In its ongoing activities to support and excite the Maryland entrepreneur community, the Maryland Technology Development Corporation (TEDCO) announced today that it will host the fourth annual Entrepreneur Expo, "E2E: Entrepreneurs Inspiring Entrepreneurs," on Wednesday, Nov. 12, 2014 at the BWI Airport Marriott in Linthicum Heights, Md. This large-scale expo will feature dynamic conference programming with informational and educational tracks and a platform for beginner to experienced entrepreneurs to share ideas and cultivate important relationships to enhance Maryland's innovation economy. David Rose, New York Times best-selling author, entrepreneur and angel investor, will serve as a keynote speaker.
Rose is CEO of Gust, which operates the standard collaboration platform for more than 250,000 startups and 50,000 early-stage investors. Rose is also the author of the New York Times best-selling book "Angel Investing: The Gust Guide to Making Money & Having Fun Investing in Startups." As an angel investor, Rose has helped to fund more than 90 startup companies, with acquisitions by companies including Facebook, Google, Intel, Amazon, and other industry leaders.
"TEDCO understands it's critical to share best practices, strategies and success stories when it comes to supporting entrepreneurship," said Rob Rosenbaum, president and executive director of TEDCO. "More than 500 people attended last year's Expo, many of whom made important connections, and in our fourth year, we are creating additional opportunities for startup and early-stage companies to find collaborations with potential investors and mentors. This is a signature event for TEDCO."
Programming for the event has an emphasis on networking, innovative breakout sessions and nationally-renowned speakers. Additionally, panel discussions and networking sessions will allow entrepreneurs to make connections and meet potential mentors. The agenda includes working sessions with industry experts; fireside chats with inspiring entrepreneurs; roundtable discussion with Maryland's funding resources and educational sessions to help entrepreneurs choose the best assistive services. Two unique sessions will allow eight startups to demonstrate their technology and 20 startups to speed pitch to angel investors groups.
For additional information, online registration, see the program and sponsorship opportunities, visit www.innovatemd.com. Early bird pricing is available until Friday, Oct. 3.
The Maryland Technology Development Corporation (TEDCO) is the go-to source for entrepreneurial support and guidance for start-ups and early-stage companies engaged in bringing innovative ideas to market. For more than a decade, the organization has provided funding, mentoring and networking opportunities to support Maryland's innovation ecosystem. While founded by the Maryland General Assembly, TEDCO is an independent entity that makes seed/early-stage investments and manages private capital for angel and venture capital funds. It is frequently ranked as one of the most active seed/early-stage investors in the nation. The organization plays a key role in bringing research created in Maryland's educational institutions and federal laboratories into the commercial marketplace. For more information on TEDCO and its programs and resources, visit www.tedco.md


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Strong quake hits Chile
Temblor measured 6.5 magnitude, felt in capital of Santiago 69 miles away
VALPARAISO, Chile | April 17, 2012
Minor damage and one death were reported following a powerful earthquake near the port city of Valparaiso, Chile, officials said Tuesday.
The late Monday temblor measured 6.5 magnitude and was felt in the Chilean capital of Santiago 69 miles away, the Earthquake Information Center of the U.S. Geological Survey reported.
Regional Mayor Raul Celis told CNN a 72-year-old man died of a heart attack during an evacuation following the quake.
No tsunami warning was issued by Chile's Hydrographic and Oceanic Service.
A Canadian delegation in Santiago for Prime Minister Stephen Harper's visit was reported unhurt.
The quake occurred in the same area as an 8.8 magnitude quake in February 2010 that killed hundreds of people.
Chile is in the Pacific Basin's so-called "Ring of Fire," prone to frequent earthquakes and volcanoes.
© 2012 United Press International, Inc. All Rights Reserved.
Related Topics:
Changes could reduce OK 'quakes
Oregon ill-prepared for a 'big one'
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Adult Ministry
One thing we take very seriously is living and serving together. CP Life is a way we do that. There are many facits to CP Life:
CP CHICS is the CenterPoint Women's Ministry. CHICS is the acronym for Cheerful Hearts In Christ's Service. Galatians 5:13-14 says "...serve one another in love. For the whole law can be summed up in this one comand. Love your neighbor as yourself."
CP CHICS usually meet monthly or every other month to fellowship and choose group ministry projects. All are welcome to attend!
Mid-Week Life is on Wednesday nights at 6:30 p.m. Adults meet together at CenterPoint to study God's Word. (There are activities for kids during this time.)
On Thursday mornings at 7:00 a.m., men meet together at Neighbor's Mill and discuss their lives and how God is working through all of us.
Whatever we do together, there is one thing that matters the most and that is being together! Come live life with us!
CP Kids Ministry
CP Kidz is CenterPoint's children's ministry. We believe our children are the church of tomorrow, and that is vitally important to us and to this world!
We consider it a privilege to teach your children about our Lord, Jesus Christ. Our desire is to partner with parents to raise up a godly generation. Our goal in teaching our children is teaching them the truth of God's Word and how to apply it to their lives!
Jesus said in Mark 10:14, "Let the little children come to me, and do not hinder them, for the kingdom of God belongs to such as these." Just as Jesus welcomed the children, we welcome your child and hope you will find the CP Kidz Ministry well-staffed with warm, caring adults who desire to teach your children about the love of Christ.
SUNDAY at 10 AM
Birth - K ... KIDZ WORLD (south area of building)
1st - 4th Grade ... KIDZ ZONE (north area of building)
WEDNESDAY at 6:30 PM
Birth - 4th Grade... meets in KIDZ ZONE (north area of building)
5th - 6th Grade ... meeting place to TBA
Bring your children to learn about God!
CP Student Ministry
Student Pastors: David & Lauren Bright
SUNDAY at 9 AM
7th - 12th Grade ... Bible Study together in The Point
SUNDAY at 10 AM
WEDNESDAY at 6:30 PM
7th - 12th Grade ... Meet together in The Point
CP Outreach Ministry
CP Outreach is how we love our community! We believe Jesus gave us the example and command to love those He puts in our lives and beyond.
We start all of our outreach opportunities with prayer. We desperately need the direction from God to know where the greatest needs are. There are so many hurting people in this world today and we want to help all that have needs we can meet. We try to have a outreach project every quarter of the year. We also use God's finances to reach as many people as we can.
We would love to have you come be a part of the CP family and share in the many opportunities to serve those in the world around us!
Prayer Ministry
Our prayer ministry is the anchor of all we do. We believe in the power of prayer! In fact, CenterPoint would not even exist without prayer! It is something that has no beginning or end. Yes, we pray for people 24/7. The Bible plainly tells us that we are to pray without stopping and we want to be obedient in that.
To accomplish this, we have a 24 hour prayer network that is in touch with our church body at all times. If you have a prayer need, we want to pray for you! You can submit a prayer request right here through our website.
Thanks for allowing us to pray for your greatest needs and allowing us to watch God work in your life and the lives of all that are prayed for!
Come pray with us!


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Friday, August 26, 2016
Hackable: An Alternative Skill System for AD&D 2nd Edition
The other day I had a brainstorm to replace Non-Weapon Proficiencies and Thief Skills in ADnD 2E.
Basically you adapt the THAC0 combat system to skill checks.
Thieves, Rangers, and Bards would have there Skill advance at the same level as Warrior's THAC0.
Having a Non-Weapon Proficiency from your class's group would advance at the same level as Priest's THAC0.
Having a Non-Weapon Proficiency from a group outside of your class would advance at the same level as a Rogue's THAC0 (this also replaces NWP's cost extra).
Having no Non-Weapon Proficiency would advance at the sam level as a Wizard's THAC0.
Most Difficulty Classes would be 10, 5, 0, -5, remember that DC goes down the more difficult it is.
By Mark Craddock at August 26, 2016
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Untold Adventures: Manaconda
Art by KingOvRats Manaconda for Untold Adventures Armor Class: 5 [14] Hit Dice: 6 Attacks: Constrict Special: When a creature is...


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I'll let you in on a secret--- I am always scared that people won't agree with what I have to say. I fear judgment, I fear denial, and I fear questioning. When I started this blog... I wasn't sure how much I wanted to share, how much I wanted to put myself out there. I am naturally a quiet person, and I do keep a lot of my emotions to myself.
It's hard for me to let others in.
But, I will tell you another secret--- writing these posts forces me to connect with a side of myself that I rarely listen to. It forces me to think about what I want other people to know about me (without having to tell them face to face). It is weird to think that every sentence I write can be seen by anyone in the world, but it is also kind of cool. People can get to know me through my writing without ever actually getting to know me in person. Although I do consider myself an awkward person sometimes, writing feels so completely open and natural. People can read my posts if they want... and maybe it will even help someone out, give them a bright moment in a dark day.
My initial purpose in starting this blog was to find some inspiring aspect of life every day and report it online for others to see. I wanted it t be an outlet of peace, comfort, and solitude in a world full of everything else. Through writing almost every day, my attitude has changed a little bit. Instead of just searching for inspiration, I try to think about little pieces of advice/messages that might help me think a little more positively about life. I have started to focus on what my writing may actually be doing in people's lives (or at least what I hope it is doing in people's lives).
I hope I am inspiring someone. It doesn't matter who it is or how big of an impact it makes... all that matters is that my writing is reaching someone and that it helps them smile or laugh.
I aim to inspire. I aim to be a source of comfort in the midst of the depressing and dangerous news we are constantly bombarded with. If I have ever inspired you, I am truly grateful.
Please know...You are my reason for writing. You are special to me.
"Whatever you do, do everything for the glory of God."
1 Corinthians 10:31


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All EXCEED Programs are Individually Tailored, Person-Centered, and Guided by Client Cholce.
The Supported Employment program offers job matching and individual placements within the community. IClients receive on-going support as needed in order to maintain or enhance employment. Supervised Work Teams (enclaves) are an extension of the Supported Employment program. Clients are placed in industry, in small groups with an on-site supervisor. These clients learn and perform various jobs within industry in a competitive employment environment. Clients are referred to enclaves from other EXCEED programs, or from outside referral sources. Clients enhance work and social skills to transition to Individual Placement or competitive employment.
The Work Training Center (WTC) provides vocational training for persons that wish to develop marketable work skills. Clients have the opportunity to work on a variety of contracts including packaging, assembly, labeling, light manufacturing, and mailers. In addition to specific work skills, the Work Training Center program stresses the development of appropriate work habits and attitudes. Clients in this program spend their time in paid work and vocational skills training and work towards transitioning to the Supported Employment Program.
The Adult Developmental Center (ADC) provides basic living skills training, which assists clients in reaching their maximum level of independence and access into the community. Our curriculum includes self-advocacy, mobility training, money management, functional reading and writing, pre-vocational and daily living skills training.
The Situational Assessment is designed to provide an assessment to identify barriers to community-based employment for adults with developmental disabilities, learning disabilities, mental health challenges, traumatic brain injury, and/or physical disabilities.
The Casa del Valle Residential Program provides long-term housing, care and training for adults with developmental disabilities in a 4,400 square foot, 14 bed facility on approximately 0.9 acres.
Since 1987 EXCEED has received accreditation for our Work Training Centers and Supported Employment Programs from the Commission on Accreditation of Rehabilitation Facilities.
Our Adult Developmental Centers and Residential Facility are licensed by the State of California Department of Social Services Community Care Licensing.


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|Finance Bill - continued
|House of Commons
|PART III, INCOME TAX, CORPORATION TAX AND CAPITAL GAINS TAX - continued
|Enterprise incentives - continued
|back to previous text
|Venture capital.
| 64. - (1) Schedule 16 to this Act has effect.
| (2) In that Schedule-
Capital allowances
|Energy-saving plant and machinery.
| 65. Schedule 17 to this Act (first-year allowances in respect of expenditure on energy-saving plant and machinery) has effect-
|Fixtures provided in connection with energy management services.
| 66. - (1) Schedule 18 to this Act (fixtures provided in connection with provision of energy management services) has effect in relation to expenditure incurred on or after 1st April 2001.
| (2) The Schedule has effect-
|Conversion of parts of business premises into flats.
| 67. Schedule 19 to this Act (capital allowances in respect of expenditure on the conversion of parts of business premises into flats) has effect in relation to expenditure incurred on or after the day on which this Act is passed.
|Decommissioning of offshore oil infrastructure.
| 68. Schedule 20 to this Act (capital allowances in respect of expenditure incurred on decommissioning offshore infrastructure) has effect.
|Minor amendments.
| 69. - (1) Schedule 21 (which makes minor amendments to the Capital Allowances Act 2001) has effect.
| (2) The amendments made by the Schedule have effect-
|© Parliamentary copyright 2001
|Prepared 9 May 2001


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"Real Housewives of Atlanta" star NeNe Leakes is going after the talk show host after Williams called out Leakes for defacing her $10,000 Hermes Birkin bag.
It all started when Leakes posted an Instagram photo last week of her Birkin bag customized with her famous "NeNe-isms" like, "I'm a very rich b****" and "So nasty and so rude."
The tricked-out bag caught Williams' attention. She tweeted to her million-plus followers: "Hot Question: What do think about @NeNeLeakes defacing her Birkin bag?"
Williams later deleted the tweet but not before Leakes saw it. She issued a scathing response to Williams in a blog on her official website.
"Wendy I am sure people think that I've done something to you, maybe we had a beef or I slept with your man but none of that is true! I've actually only been nice to you!" Leakes wrote. "I gave you a beautiful black $3,200 Celine Phantom Bag to celebrate your 500th show but you haven't spoken of that! But what you have chosen to do is constantly speak negative of me and lie on me! What you need to do is stop spewing hate! When it comes to gossip you are the lowest of the low!"
Leakes went on to say that she could even replace Williams.
"I know you hate because I turned down the chance to come on your Talk Show and I am sure you're scared I will take your place (I know you have heard! Ummhmm wink wink) BE SCARED! I have a clothing line on HSN coming out in a few days and I know it must be hard for a black woman to support another black woman but you should try it sometime," she wrote.
As for the now infamous Birkin bag, Leakes wrote, "My Birkin is being turned into a work of art to raise money for a worthy charity something you fail to mention on your show! I don't have one Birkin I have five now run tell that WIG."
Williams did not immediately respond publicly or to ABC News' request for comment.
Read more http://abcnews.go.com/blogs/entertainment/2014/07/nene-leakes-blasts-wendy-williams-over-handbag/


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HACKENSACK, N.J. -- Lena Iurato, of Hackensack, died on Monday, Dec. 5. She was 101.
Born in Hackensack, Iurato lived all of her life in the city. She worked as a seamstress, first for Goldberg Slipper Company in Hackensack and then for Form Flex in Saddle Brook, before retiring.
She is survived by her children, Joyce Robson and her husband James, and Robert Iurato and his wife Gail; grandchildren Jim, Brenda, Debbie and Monica; great-grandchildren Karen, Christopher, Nancy, Robert, Brianna and Brendan; and sister Marie Di Crosta.
Iurato was predeceased by her husband, John Joseph, and her sons, Thomas, Joseph and Phillip.
A graveside service will be held at 11 a.m. on Friday, Dec. 9, at St. Joseph's Cemetery, in Hackensack. Patrick J. Conte Funeral Home, in Elmwood Park, is assisting with arrangements.
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Ice Cream Made In "Heaven"
Maine Cows * Divine Ice Cream
Route 3 Bar Harbor
Easily Accessible from Everywhere on Earth!
Across from Pirate's Cove Adventure Golf®
How Ice Cream is Made Make Your Own
A fun family, school, group or individual activity.
Plenty of Parking for RVs and Buses
Sundae Services Daily
12 PM to 10 PM
Anudda Heaven
Route 102
Between Echo Lake and Southwest Harbor


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Transform your photos into one-of-a-kind, hand painted masterpieces!
by Ken Ahlering
Misty Morning Road by Ken Ahlering - 10.000" x 6.875"
Archival Matte Paper
CRQ13 - Black Wood (CRQ13)
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Framed Print
Misty Morning Road framed print by Ken Ahlering. Bring your print to life with hundreds of different frame and mat combinations. Our framed prints are assembled, packaged, and shipped by our expert framing staff and delivered "ready to hang" with pre-attached hanging wire, mounting hooks, and nails.
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Fine Art America offers over 250 different frames at wholesale prices.
Fine Art America is one of the largest, most-respected custom framers in the world. We stock over 250 different frames which can be used to create museum-quality masterpieces from any print. All framed prints are assembled, packaged, and shipped by our expert framing staff within 3 - 4 business days and arrive "ready to hang" with pre-attached hanging wire, mounting hooks, and nails. Our wholesale buying power allows us to offer frame prices which are typically 25 - 40% less than retail frame shops.
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I'm Ken Ahlering and I paint realistic Images of America in oil..Mostly self-taught, I have been painting for over 60 years..Early on I became interested in fine art, always attracted to realistic drawings and oil paintings. I have never seemed to figure out what the "new" fads were all about, but respected the Old Masters, with their long tradition of knowledge, skills and effort. Their beautiful use of color, composition and light were what I wanted to emulate. I looked at paintings by the Dutch Landscape artists, the Hudson River School, American Western Artists.and the like for inspiration.Several neighbors,early teachers, and other influencers..names long since forgotten ...exposed me to the beauty of these works of art. I would...
Our return policy is very simple:
If you're not happy with a purchase that you made on FineArtAmerica.com, for any reason, you can return it to us within 30 days of the order date. As soon as it arrives, we'll issue a full refund for the entire purchase price. Please note - Fine Art America does not reimburse the outgoing or return shipping charges unless the return is due to a defect in quality.
Fine Art America sells thousands of pieces of artwork each month - all with a 100% money-back guarantee. We take great pride in the fact that hundreds of thousands of artists have chosen Fine Art America to fulfill their orders, and we look forward to helping you select your next piece!
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All framed prints ship from our production facility within 2 - 3 business days of your order.


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Critical Illness Insurance – A Snapshot
Life doesn't follow a fixed plan. However, a critical illness insurance plan equips you to financially handle serious health conditions that life may throw at you.
Types of Critical Illness Insurance Plans
Saving your life should not take away all your life savings. That's why for an annual premium that you pay us, we compensate for your medical expenses related to critical illnesses. We offer the following plan.
Bharti AXA Smart Critical Illness insurance plan
Nothing is really safe today. Neither the food you eat, nor the air you breathe. But you can't stop living life, can you? Today, the chances of serious ailments have increased manifolds. That's where you need our critical illness insurance cover, a type of health insurance policy that helps reduce your cost burden to a great extent.
Critical illness is available as a feature in our health insurance policy too. But the sum insured amount for that is limited. When it comes to a life-threatening condition that calls for huge medical bills, having a standard health insurance policy may not suffice in case you face life-threatening conditions illness. That's why you can opt for our standalone critical illness plan that is a define-benefit policy, which offers a separate sum insured amount to meet your medical treatment expenses in case of a life-threatening condition. Here you get to choose from a variety of sum insured that is suitable to you.
Enjoy a lump sum benefit of up to Rs. 5 lakhs. You can choose sum insurance ranging from Rs. 2 lakh, Rs. 3 lakh and Rs. 5 lakh. The compensation takes care of hospitalization as well as daily expenses for 20 critical illnesses that are amongst the highest in the country. You can choose benefit of reimbursement/payment of hospitalization expenses for treatment of the critical illness diagnosed. Or you can choose benefit of compensation on diagnosis of critical illness and on survival for more than 30 days. The covers are available on lump sum benefit and indemnity basis.
With a dedicated claims handler, you can be assured of a hassle-free claim settlement. Moreover, at Bharti AXA, we stand by you as your medical and financial support.
Based on your preference and requirement, you can either buy:
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In this, you can buy the policy for yourself. You get the benefit of the sum insured amount wholly to yourself. You can also buy an individual plan for each member of the family by paying a separate premium for each plan.
Family floater Critical Illness Insurance Plan
In this, you only have to pay a single premium for one family floater plan. One big sum insured amount is provided which is adequate for all the insured family members. All the members can claim using this single sum insured amount.
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Tough times need a tough friend who will never leave your side. And our critical illness insurance is that ideal companion who can truly handle your financial burden.
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When we make you a promise to have you covered, we work to live up to it. That's why we have spread our presence all across the nation so that you can easily find your nearest branch. We just want to be there for you at all times.
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All expenses such as diagnosis, doctor's fees, medicines, etc. for your treatment before hospitalization as well as after hospitalization are covered.
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Life-long renewal is guaranteed as there is no maximum cover ceasing age in this policy. The eligibility age group for this policy is 8 years to 70 years.
Pre-existing diseases
As mentioned in the policy document, certain pre-existing diseases are covered only after completion of four continuous renewals from starting date of policy.
Benefits up to sub-limits
Up to certain limit of sum insured, you get extra benefits of hospital cash allowance, home nursing allowance, and reimbursement charges for in-patient physiotherapy and ambulance.
Additional features
Get discount that is equivalent to 5% of renewal premium each year. Also get reimbursement of more than 50% of the medical examination expenses if proposal is accepted.
Free-look period and grace period
From the day that you receive your policy document, you get 15 days to review the policy. And from the date your policy lapses, you get a grace period of 30 days to renew your policy.
At the time of renewal, you have the option to migrate your existing health insurance policy with us. This is provided you have maintained your previous policy without any break.
Sum insured Flexibility and enhancement
As per your requirement, you can choose from Rs. 2 lakh, Rs. 3 lakh and Rs. 5 lakh sum insured plan variants. If you don't make a claim, your sum insured can be enhanced during renewal.
Income Tax benefits
Under this policy, you can enjoy tax benefits under Section 80 D of the Income Tax Act.
What's Covered and What's Not
It's better to know what your critical illness insurance covers and doesn't cover. After all, you don't want to face hassles at the time of claim, right?
20 Major Illnesses that are covered by Bharti AXA:
Saving-Up on Critical Illness Insurance Premiums
Who doesn't love discounts? A few things can actually help you lower your premiums.
- Be an early bird
Health risks increase as you age. So, the more you age, the higher is your premium. That's why it makes complete sense to buy critical illness insurance at an early age.
- Choose a family floater plan
If your family comprises of young members, then opting for a family floater plan is an ideal solution. You, your spouse and 2 children below 23 years of age can enjoy benefits of a single sum insured amount. Instead of buying a separate plan for every individual, the floater plan helps save up premium.
- Avail No-Claim Bonus (NCB) Bonus
During policy renewal, you can enjoy 5% discount on renewal premium for every claim-free year up to a maximum of 25% NCB discount. This is nothing but your renewal discount.
- Leave unhealthy habits
This may sound tough to practise if you regularly smoke and consume alcohol. But giving up on bad habits can reduce the chances of life threatening conditions. Moreover, it also dramatically cuts down on premiums.
What Do Our Customers Say?
Every single day, we find joy in serving millions of happy customers. And their response has been overwhelming. See what they say about us.
Bharti Axa General Insurance Customer
You are doing wonderful job Bharti AXA team. The way you handled the situation, made me cool again. Thanks keep it up!
Bharti Axa General Insurance Customer
I would like to inform that my dad's claim has been successfully settled and dad got discharged from hospital. I am really thankful to you for your kind cooperation throughout the hospitalization period and promptly helping out in the claim settlement process. I really appreciate your service and your commitment in claim settlement.
Bharti Axa General Insurance Customer
Many thanks for your efforts. You really have been very proactive and helpful. We appreciate your dedication and sincerity. Wish you all the best!!
Bharti Axa General Insurance Customer
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Bharti Axa General Insurance Customer
Really liked the response time and thanks a lot for understanding and approval of claim! You guys rock!
Shop Online - The Easy way
Your critical illness insurance policy will reach your inbox in a jiffy! That's true! Our online shopping process is that quick easy. Check out the steps.
Choose to renew or buy Critical Illness insurance.
Enter personal details & answer few eligibility criteria questions.
Select recommended plan and get total premium.
Add complete details and check the summary. Make payment.
Policy is sent in PDF to your mailbox.
Policy Renewal Reminder
You have so many things to remember. Birthdays, anniversaries, collecting clothes from the laundry, paying electricity bills, etc. In the midst of all this, it's hard to remember the critical illness insurance policy renewal date. We at Bharti AXA understand this, and that's why we have created a unique facility called policy renewal reminder for you.
All you need to do is fill in your details. We'll remind you when your policy renewal date is near. Sounds cool?
Frequently Asked Questions (FAQs)
Do you have any questions on critical Illness insurance? We are glad to help you with all your queries. Be it sum insured, claims, premium, or policy, our experts answer some of the most commonly-asked questions related to Critical Illness insurance. Look out for the answer to your query. If you need more information, you can always contact us here. Our executives will be glad to assist you.
- Does Bharti AXA critical illness policy cover my family members as well?
The policy can be issued on a Floater Basis covering the family members of the insured comprising the insured, spouse and two dependent children (all members should be within the age group of 5 to 55 years). All members of the family (Self, spouse, and the two kids) can be covered under one single policy.
- I am still young; do I still need critical illness cover?
Critical illnesses can occur to young people as well. It often comes unexpectedly. In the recent scenario, rising occurrences of diseases like diabetes and blood pressure has been observed in people who are in the age group between 30 and 40. So, irrespective of the age group, it is always recommended to be insured with a critical illness cover.


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Our playroom is one of the most friendly and most fun on the scene. The code of conduct, with your support, is what keeps it that way. Our rules apply to everyone regardless of gender and, whether you're a first-timer or a seasoned regular, we expect the highest standards of behaviour from Kinky Salon partygoers.
Respect the space
The playroom isn't a chillout area, and it's also not a bar. So please no bottles, no smoking, and don't leave clothes in the gangways as it is unpleasant for those with mobility issues. Don't go to sleep in the playroom and don't hang around chatting. If other guests are causing a nuisance feel free to get a host / team member (wearing a glowing lanyard.)
Make friends before you get to the playroom
We have a "no lingering unaccompanied" rule which means that you should only be in the playroom to play with other people. The playroom is not a pickup spot! We have multiple social spaces for meeting new friends. It's okay to go in the playroom to meet your friends. But if you plan to hang around solo in the playroom, or team up with a wanky wing(wo)man who you're not playing with, hoping to get involved in someone else's scene, think again. Even if you have been playing, if your playmate(s) leave(s) the playroom and you find yourself at a loose end, take that as your cue to leave.
Even if you are with someone, be careful about engaging in voyeurism. There's a difference between "seeing" and "staring". Some people love to be watched; most do not. So be sure to ask before watching, and that also goes for times when you may be playing yourself. Put that zombie face away: no-one wants to see you drooling like a Wanky McJerkoff!
Consent: Get it, give it
Get enthusiastic, positive and ideally verbal consent for everything you do. Whether it's kissing, touching, biting, spanking, stroking, licking, whatever: check that it's okay and that it's what they explicitly want. Do so throughout the scene, not just once. Just because someone is not saying 'No' doesn't mean it's a 'Yes'. If you're hoping to engage in any kind of edgeplay, make sure you get consent not just from your partner(s) but also from those in your immediate vicinity.
Always communicate rather than making assumptions. That goes especially for approaching someone for the first time or joining a scene. It's best to talk, but even if your mouths aren't available there are other ways and there's no excuse not to get some sort of signal of consent.
Negotiate your boundaries
Being clear about what you are comfortable with is just as important as gaining consent. Don't be afraid to say 'No' or 'Maybe' and to let your playmate(s) know where your boundaries lie. It's okay to change your boundaries even in the midst of the scene - for example by saying "I'm not comfortable any more" or "I want to stop".
Saying what turns you on can be sexy as hell. It might seem weird or embarrassing if you're not used to doing this but if you're playing with strangers it's essential.
Respect other people's choices. Be graceful and don't be offended or try to argue if someone says 'No' to you. Equally, be firm but polite when you turn people down.
Put condoms on toys and… everything else that goes in warm places. Make sure you clearly communicate that you are using a condom – don't wait for the other person to ask. Disregard of this rule is unacceptable. We provide some latex and non-latex condoms, gloves and lube but please bring your own.
Be upfront about your safer sex preferences. It's okay to ask for your playmate to use gloves or a dental dam if that's your thing.
Keep it clean
Be as down and dirty as you like, but clear up after yourselves. That "squishy surprise" you just threw on the floor is potentially a health hazard as well as being downright nasty to put your hand in. We provide bins for your used condoms and sex supplies so please use them.
Speak up!
We all make mistakes, get over-excited or misread the situation from time to time. But the only way we can be aware of our behaviour is if other people let us know. It is everyone's responsibility to let other guests know that they are in danger of breaking our code of conduct or these guidelines.
By communicating positively, every guest and every member of crew can help to prevent misunderstandings from developing into anything serious. If someone makes you uncomfortable, for ANY reason, let them know immediately. That includes touching without asking, saying something that offends you, or even just looking at you in a way you don't like.
Our walk-around hosts are on hand for sticky situations. Even if you're not involved in a scene, if you see a potential problem, feel empowered to have a quiet word or to get one of our crew/walk-around hosts involved. They wear glowing LED lanyards so you can find them in the dark.
If you need to make a complaint about another guest, please try and tell one of the crew or a walk-around host on the night. We will always investigate complaints, even after the event, but the sooner we hear about it, the more likely we can bring about a happy result for everyone.


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You Are Here Tee
£14.994 For 3 on everything! Use Code 4for3 At Checkout
Product Details
Here is our You Are Here men's slogan T Shirt, bringing back classic and retro style to your wardrobe.
This slogan has sported many variations and has been seen worn by many people and celebrities, including John Lennon. Made from 100% cotton it's available in a range of colours and comes in a crew neck collar.
Prefer sleeveless? Get this design on a vest top here.
The Fit
Men - A standard regular fit


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How to buy a property in Spain
DOWNLOAD AND SAVE THIS GUIDE AS A PDF. (Click on link, then SAVE AS)
Purchasing a property for the first time in a Spain can be a complex issue as local laws and customs will differ from your home country.
It is essential to follow the advice from trained professionals who will guide you through the paperwork.
So let's assume you have found a property in Spain that you really like and wish to proceed with its purchase. At this stage, you should engage either the services of a lawyer or those of a reputable estate agent in Spain, who are legally able to represent you and make all the following searches and enquiries on your behalf:
1. The private contract
The first step is to pay a reservation deposit to the estate agent selling you the property, or your lawyer or legal representative. This takes the property off the market, subject to contract. This deposit can vary between 3.000 and 6.000 Euros depending on the purchase price. The property owner will be advised of the intended purchase, and this ensures protection for the buyer whilst contracts are being prepared.
In principle, this reservation deposit is non-refundable, except in the case where there exist irregularities in any legal paperwork or documentation relevant to the ownership or registration of the property. Ensure clarity on this point when paying this deposit to the estate agent or lawyer.
Upon preparing the Purchase/Sale Contract, a suitable COMPLETION DATE will be agreed with both parties. The date will be fixed and inserted in the contract. All details relevant to the property will be included in the contract, i.e. description, price, form of payment, penalty clauses etc. Your Estate agent or Lawyer will establish whether you and/or the vendor/s wish to complete the transaction with Notarised Powers of Attorney. Contracts will be drawn up and given to both parties, or their legal advisors. On signing of contracts, a deposit, normally ten percent of the purchase price (less the initial reservation deposit), will be required. The validity of this document is normally 30 – 60 days from the date of signature, or longer if mutually agreed.
2. Searches and enquiries
During this period (of 30 – 60 days) and prior to the signing of the notarised public deed ("escritura"), it is necessary to have the contract checked out by your legal advisor or agent, who will obtain a 'NOTA SIMPLE' document to ensure that the vendor is the registered owner of the property, by carrying out a search at the local Land Registry, and will ensure that all taxes have been paid, establish the existence (if any) of any debts, charges or mortgages, and that clear, unencumbered title exists. In addition, all current bills for services such as electricity, water, rates and community fees etc. will be checked on the day of signing of the title deeds to ensure that the vendor has paid all due accounts.
3. Bank accounts
For foreign purchasers there are two basic types of bank accounts available:
Non-resident euro account – If you are likely to earn Euros, through letting or some other form of modest activity, you can pay Euros into this account. On-going running expenses can be paid using this type of account.
Foreign currency deposit account – These accounts are for the deposit of foreign currency in its existing state without conversion to Euros. The funds are therefore freely convertible into other foreign currency and are outside the Spanish Exchange Control regulations. Interest rates vary from one currency to another. It is recommended that an account in Spain be opened at the earliest opportunity. Accounts in Spain can effect deposits and withdrawals from abroad without limit.
4. Mortgages
If you require a mortgage against the property in Spain, your agent must be informed as soon as possible. A mortgage can be applied for in Spain or abroad. If you have not arranged a mortgage, we may be able to help you, through an offshore or Spanish bank. If you are making your own arrangements you will need to advise the agent/vendor of the date by which you expect to have the funds available in order to complete the purchase. Note that failure to secure a mortgage in time may invalidate your contract and the possible loss of your deposit. A non-resident purchaser may apply and obtain a mortgage of up to approximately 60% of the banks valuation of the property. A resident purchaser may obtain up to 70% (or more) of the valuation. Under such circumstances the property purchased in Spain would act as guarantee for the mortgage.
Calculate your mortgage repayments with our mortgage calculator.
5. Personal documentation
What is?
When buying a property in Spain, you will need a 'Numero de Identification de Extranjeros' (more commonly known as the NIE number). To live and work in Spain, you need to apply for what is commonly called your NIE number (Foreign Identification Number). These identification numbers are used to track an individual's financial and official activities. This document is necessary when you are buying a home and you will be asked to provide a copy of the paperwork when you are in the process of buying a property or applying for a job in the country. Your NIE will start with the letter 'X' followed by seven numbers and a letter, making this sequence of numbers personal to you. It is not transferable and does not expire.
You will need your NIE number to do all of the following:
Apply for a business permit, Apply for a mortgage or loan, Buy or sell a property in Spain, Buy or sell a vehicle, Employment, Inheritance of assets in Spain, Insure Property, Pay Taxes, Sign on to the National Social Security health service.
Obtaining an NIE
Obtaining an NIE is a fairly simple process, but can be complicated if you do not understand the paperwork. The simplest way, if using a lawyer to purchase a property, is to instruct the lawyer to obtain this for you. However, it can be obtained by approaching a local police station in your area. In the case of Nerja and surrounding areas, the police station in question is located in Torre del Mar (Málaga), just 15 minutes drive away.
Within your police station there is a Foreigners Department (will be labeled 'Departmento de Extranjeros'). When you arrive you will be asked to fill out an NIE application form and submit copies of the following paperwork. Be aware, you will require more than one copy at some police stations, so be prepared before you turn up.
- Your Passport and a photocopy (the police station will keep the photocopy).
- Your full address in Spain (You can use a friend's address if you have not yet bought a property).
- Some police stations may ask for written justification as to why you are applying for your NIE number. A letter from the bank, a lawyer, or even a prospective employer will suffice.
When you have filled in the application form and supplied the relevant paperwork, you will be given a stamped photocopy of the application and given a date as to when to return to pick up your official documents. The general turnaround time can take between one and six weeks depending on the time of year and the number of applicants.
6. Making payment
Full payment is required before the title deed can be transferred into your name. Ensure that when transferring money to Spain the funds arrive in enough time to enable the transaction to take place on the agreed date. If you are buying a property under construction, follow the payment schedule in the contract, according to the stage reached. When buying a new property in foreign currency you must ensure that all payments are registered through your Spanish bank, in order that the funds can be repatriated upon the eventual resale.
7. Signing of deeds, costs & taxes
The next stage is to complete the purchase at the Notary's office, where the Escritura (title deed) will be signed. A number of purchase costs and taxes now need to be paid. Although the overall costs and taxes applicable vary whether buying a new or a second-hand property, you should consider adding a total of 13% to cover all of these costs. If you come out with change to spare this will be as a result of the small diferences between a new or resale purchase.
Property registry fees Your 'Escritura de Compraventa' must be registered with the Spanish property registry to make it 'Escritura Publica' and fully install your title to the property. The fees are based on the official registered value of the property, which are now much higher than in the past but often below the actual market value. The length and complexity of the deed and other factors are also considered. These fees do not normally exceed 0.2% of the registered value.
Notarial fees These are collected by the Notary for preparing the title deed and presiding over its signing. His/her fee is on a set sliding scale according to the property value. Allow 0.6% – 0.8%.
Transfer tax on a NEW Property (VAT) – MODIFICATION: 1st SEPTEMBER 2012. You must pay this tax before the escritura can be registered into your name(s). In the case of a new property the Spanish government approved in 2011 a reduction in the current rate of IVA (VAT), down from 8% to 4% of the registered value – however this concession ran out on the 31st December 2012 – increasing to 10% on 1st January 2013. If purchasing a VPO property (Vivienda de Protección Oficial), which in English would be considered a form of council home, the tax is 4%.
In the case of a commercial property or plot of land the IVA is 21%. When buying a new property there is also an additional tax of 1.5% to cover 'Actos Jurídicos Documentados' (A.J.D.).
Transfer tax on a RESALE Property (ITP) - On a second and subsequent transmission of a property (resale) the buyer has to pay a transfer tax known as ITP: [Impuesto de Transmisiones Patrimoniales] or Transfer tax. This tax is paid to the autonomous region where you make your purchase and can vary anything between 6% – 10%, although the national average rate is 8%. It is therefore important to understand these variations before you decide where you wish to purchase. There are further variations depending on the price of the property (see table). These percentages are based upon the value declared in the title deed 'Escritura'.
Note: This ITP tax is NOT VAT and is therefore unaffected by changes in the rate of VAT.
'Plus valia' tax This is a tax relating to the increase in the value of the land only, and is calculated and applied by the local town hall according to the increase in value between the present purchase and previous sale, the value or size of the building does not affect this tax. The vendor normally pays this tax, unless otherwise agreed by both parties.
Retention tax This is a tax relating to capital gains on the property and only applies to a 'non-resident' vendor (if resident, any capital gains due would be paid in the person's declared annual tax returns). To ensure that the vendor, upon the sale of a property, pays capital gains tax, it is the purchasers responsibility to retain 3% of the declared value (previously 5%, but reduced in 2007) and pay to 'La Hacienda', the Spanish tax authorities. The purchaser's legal representative would normally handle this matter. The vendor, at a later date, can claim back any tax that may be due. This tax only applies to privately owned properties registered after 1st January 1986. In the case of company owned properties, this tax would apply to those registered after 1st January 1976. Properties registered prior to these dates, respectively, are exempt.
Agents' Fees The manner by which a sales commission is charged in Spain varies between agents and location. Most estate agents include their fee within the advertised sale price of a property. However, in some parts of Spain, some agents charge their commission separately (to the purchaser), whilst others even charge an equal amount to both the vendor and the purchaser. The amount an agent will charge also varies, from as low as 2.5% (often in cases of an exclusive property for sale by that agent), to as much as 5%. Ensure that you clarify this point before viewing properties with an agent.
Lawyers' Fee These will depend upon the services rendered. The normal custom is for the purchaser to pay these fees and taxes. A lawyer's fees would not normally exceed 1%. (Note: If selling a property by private means, you may also engage the services of a lawyer to handle all conveyancing on your behalf. Again, their fee will not normally exceed 1% of the sale price of the property.)
Mortgage & Gestoria fees: Only applicable if you take out a mortgage when purchasing. If so, you may have negotiated with a bank directly or by way of an agent or broker (Gestoria in Spain). Either way, a fee of between 1 – 2% will be levied.
8. Energy Performance Certificate (EPC)
The Spanish Government has passed a new law which will affect all property for sale and rent (for more than four months of any calendar year) on or after 1st June of this year (2013). A property for sale or rent must now have an Energy Performance Certificate, issued by an official installer.
As a purchaser, ensure that that the property you are purchasing has this certificate as it will be required by the notary upon final signing and transfer of the title deed into your name. The cost of this certificate will be paid for by the vendor. The certificates have a validity of ten years from the date of issue.
9. Taking possession
Handing over of the property and its keys will normally take place once the FULL PURCHASE PRICE has been paid. However, your contract may state a different arrangement especially if purchasing a new property under construction. Do be careful not to allow the seller to stay in the property after completion of purchase, even for a short time. This can create potential legal problems for the purchaser and may result in complicated eviction procedures.
It's also a good idea to change all of the locks on the property. You don't know how many people may have copies.
10. Transfer of services
Having completed the purchase it is necessary to engage or transfer services. Both electricity and water meters need to be transferred into your name. Where possible all regular bills should be paid by a direct debit 'standing order' through your bank.
- Water: By the local company that manages in your area. Water bills in Spain are due monthly, bi-monthly or quarterly, depending on the water board.
- Electricity: Electric Company that offers the service in your community. Electricity bills in Spain are due monthly or bi-monthly, depending on the electricity supplier.
- Telephone: You can choose companies for both fixed and mobile telephones and can easily obtain ADSL via modem, satellite or land line. Telephone bills are normally due monthly.
- TV: Often there exists a community service within urbanisations or apartment complexes. These can range from satellite systems to cable TV. For individual installations via satellite, there are local companies throughout Spain providing this service. The use of fibre optics is also expanding throughout the country, which allows for on-line streaming TV services such as Netflix, Hulu, Amazon, etc.
11. Insurance
This becomes your responsibility upon POSSESSION OF THE PROPERTY. Normally, Spanish insurance companies offer a split policy, whereby the property and its contents are assessed separately. Note, that in the case of some property owner's associations, community fees may include cover of the building and/or third party risks.
12. Rates and taxes
These are similar to the taxes in your own country, and become your responsibility upon completion.
Local rates. Known as IBI and is payable to the town hall on an annual basis. The date for payment varies widely in Spain depending on where you live. You should check with your local town hall. Payment can be arranged through a local bank account or your appointed agent.
Tax Registration Number (NIE). All property owners in Spain, whether resident or not, must obtain an NIE number from their local police station. A tax administrator ('Gestor', in spanish) or a lawyer can deal with this task along with payment of 'Patrimonio' tax. (See Personal Documentation, above).
13. Property owners association
If you purchase a property within an apartment complex or urbanisation you are obliged to join its residents association, which administers general maintenance of zones of common ownership, such as streets, gardens, hallways and swimming pools, etc. An annual budget is calculated to cover these costs, which is divided between all owners according to the size of their properties. Community fees are normally paid six-monthly or annually. Payment can be arranged through a local bank account or your appointed agent.
14. Spanish Golden Residence Visa
As of 28th September 2013, the Spanish Government approved a new law allowing Non-EU nationals to obtain a residence Visa upon fulfilling the following basic requirements:
1) Purchasing one or more properties to the minimum value of 500.000 Euros.
2) Investing Two million Euros in Spanish government Bonds.
3) Investing One million Euros in stocks or shares of Spanish companies, or bank deposits in Spanish banks.
4) Creation of a Business venture in Spain that creates employment or economic development.
If you are interested in applying and obtaining such a Visa, we can help and assist you to find the property of your choice in Spain and introduce you to lawyers who are experts in handling Visa applications, company formation and document translations. Please contact us for further details.
Please also see the following articles on this subject:
- Q&A: Spanish Golden Residence Visa.
- Spanish "Gold" residence visa now law in Spain.
- Properties over 500.000 Euros that would buy you your Spanish Golden Residence Visa.
So there you have it… Congratulations on finding your new home in Spain!
And if you're still looking for a property in Spain… make search from the top of the page to find thousands of properties throughout mainland Spain and its islands.
Guide prepared by:
LPG (Leading Property Group)
(NOTE. This guide, although accurate, has been kept as brief as possible. Please do not hesitate to enquire further on any point. Please note also that the guide is not a substitute for proper legal advice. The contents herein are correct at the time of publication. LPG cannot be held responsible for any changes in the law or legislative practices in Spain.)
Updated 20th September 2017.


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Walnut Ridge, Ark. (WBCEagles.com) – On Saturday, January 18, senior forward for the Williams Baptist College Lady Eagles basketball team Cheyenne Childers scored her 1,000th career point to join an elite group of athletes at WBC.
The Cave City native's scoring total sits at 1,013 after a terrific three-game week of competition, which included her shooting 71 percent from the field. Childers had a rare perfect game against Missouri Baptist University, where she was 8-for-8 from the field, 2-for-2 from behind the arc and 3-for-3 from the free throw line.
Childers continued outstanding play by scoring 31 points in the next game, against Benedictine University-Springfield. Just one more point would have tied her career high.
The Lady Eagles were playing Hannibal-LaGrange University when Childers hit the 1,000-point mark. She finished the game with a team high of 18.
Childers is finishing her career on a high note, as she continues to raise her season and career average. This season, the senior is averaging a career-high 14.5 points per game.
"I wouldn't have been able to accomplish such a milestone without my present and past team," stated Childers.
Head Coach Carol Halford said, "It's always nice to have a student athlete like Cheyenne on the team. She has shown her leadership through the four years by being a consistent yet versatile player."
Childers will graduate this May with a degree in Liberal Arts. After graduation, she plans to get her licensure in education to pursue a professional career in teaching mathematics at the high school level.
Jonesboro, AR 72401
(870) 931-8888
(870) 336-1817EEO Report Closed Captioning
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