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Cipla Ltd
Composition for RABEPRAZOLE SODIUM 20 MG TABLET
Prescription Required
Primary uses of RABEPRAZOLE SODIUM 20 MG TABLET
Acidity, Peptic ulcer disease, Gastroesophageal reflux disease (Acid reflux)
We do not sell this product at present
Medicine Overview of Rabeprazole Sodium Tablet
Uses of Rabeprazole Sodium Tablet
RABEPRAZOLE SODIUM 20 MG TABLET is used in the treatment of acidity, peptic ulcer disease and gastroesophageal reflux disease (acid reflux).
Rabeprazole Sodium Tablet side effects
Side Effects of Rabeprazole Sodium are Vomiting, Headache, Stomach pain, Nausea, Flatulence, Diarrhoea.
How to use Rabeprazole Sodium Tablet
Take this medicine in the dose and duration as advised by your doctor. Swallow it as a whole. Do not chew, crush or break it. RABEPRAZOLE SODIUM 20 MG TABLET may be taken with or without food, but it is better to take it at a fixed time.
How Rabeprazole Sodium Tablet works
RABEPRAZOLE SODIUM 20 MG TABLET is a proton pump inhibitor (PPI). It works by reducing the amount of acid in the stomach which helps in relief of acid related indigestion and heartburn.
In Depth Information on Rabeprazole Sodium Tablet
Expert advice for Rabeprazole Sodium Tablet
- Inform your doctor if you do not feel better after taking it for 14 days as you may be suffering from some other problem that needs attention.
- RABEPRAZOLE SODIUM 20 MG TABLET can decrease magnesium levels in blood. Get your magnesium levels checked regularly. You may need a magnesium supplement or need to discontinue your medicine.
- Inform your doctor if you are suffering from osteoporosis as RABEPRAZOLE SODIUM 20 MG TABLET can weaken your bones by decreasing calcium levels in blood. You may need a calcium supplement, preferably calcium citrate.
- RABEPRAZOLE SODIUM 20 MG TABLET is a well-tolerated medicine and provides relief for a long time.
- It may take a few days to show its effect. You can take an antacid for a quick relief during this time unless your doctor has asked you not to use them.
- Once you start feeling better, do not stop taking your medicine. Take it for the duration as advised by your doctor
Rabeprazole Sodium Tablet related warnings
Special precautions for Rabeprazole Sodium Tablet
RABEPRAZOLE SODIUM 20 MG TABLET may be unsafe to use during pregnancy.
Animal studies have shown adverse effects on the foetus, however, there are limited human studies. The benefits from use in pregnant women may be acceptable despite the risk. Please consult your doctor.
Animal studies have shown adverse effects on the foetus, however, there are limited human studies. The benefits from use in pregnant women may be acceptable despite the risk. Please consult your doctor.
RABEPRAZOLE SODIUM 20 MG TABLET is probably unsafe to use during lactation. Limited human data suggest that the drug could represent a significant risk to the baby.
RABEPRAZOLE SODIUM 20 MG TABLET may make you feel dizzy, sleepy, tired, or decrease alertness. If this happens, do not drive.
RABEPRAZOLE SODIUM 20 MG TABLET is safe to use in patients with kidney disease. No dose adjustment of RABEPRAZOLE SODIUM 20 MG TABLET is recommended.
RABEPRAZOLE SODIUM 20 MG TABLET should be used with caution in patients with severe liver disease. Dose adjustment of RABEPRAZOLE SODIUM 20 MG TABLET may be needed. Please consult your doctor.
What if you miss a dose of Rabeprazole Sodium Tablet?
If you miss a dose of RABEPRAZOLE SODIUM 20 MG TABLET, take it as soon as possible. However, if it is almost time for your next dose, skip the missed dose and go back to your regular schedule. Do not double the dose.
Patient Concerns
Frequently asked questions about Rabeprazole Sodium Tablet
Frequently asked questions about Rabeprazole
Q. Is Rabeprazole sodium an over the counter product?
No, Rabeprazole sodium is not an over the counter product, it is available when prescribed by a doctor.
Q. Is Rabeprazole sodium an antacid?
Rabeprazole sodium is not an antacid. It belongs to the class of proton pump inhibitors (PPIs) which decrease the amount of acid produced in the stomach while antacids only neutralize the stomach acid by coating the stomach.
Q. Does Rabeprazole sodium cause osteoporosis (thinning of bones)?
Yes, long term use of Rabeprazole sodium can cause osteoporosis (thinning of bones). It decreases the calcium absorption leading to calcium deficiency and increases the risk of bone fractures of hip, wrist or spine. Inform your doctor if you have osteoporosis or if you are taking corticosteroids (these can increase the risk of osteoporosis) before starting your therapy. Take enough calcium and vitamin D to reduce the risk.
Q. Can I take aluminum hydroxide and magnesium carbonate or other antacids with Rabeprazole sodium?
Rabeprazole sodium can be taken with antacids like aluminum hydroxide, magnesium carbonate or sodium bicarbonate. Rabeprazole sodium takes a few days to show its effect, so antacids can be taken during that time for relief of acidity and heartburn. However, antacids should be taken two hours before or one hour after taking Rabeprazole sodium as antacids can increase the pH of the stomach and decrease the action of Rabeprazole sodium which requires a lower pH for its action.
Q. Does Rabeprazole sodium have addictive potential?
No, Rabeprazole sodium has no addictive potential. It shows no withdrawal symptoms when you stop using this medicine.
Q. Is Rabeprazole sodium safe?
Yes, Rabeprazole sodium is safe if taken for prescribed duration in prescribed doses as advised by your doctor. However, there are some very common side effects that you can experience at effective doses like nausea, abdominal pain, constipation, diarrhea, and flatulence.
Q. Does Rabeprazole sodium cause hair loss?
No, hair loss has not been reported as a side effect of Rabeprazole sodium. Talk to your doctor in case there is excessive hair fall as it could be due to some underlying problem that needs attention.
Q. Does Rabeprazole sodium cause flatulence (gas or bloating)?
Flatulence (gas) has been reported as a common side effect of Rabeprazole sodium. Although it would be mild to moderate in nature and transient.
Q. Does Rabeprazole sodium cause tinnitus (ringing in the ears)?
Tinnitus (ringing sensation in the ears) has not been seen as a side effect with the use of Rabeprazole sodium. Talk to your doctor in case you have this problem as it could be due to some underlying condition that needs attention.
Q. Does Rabeprazole sodium cause weight gain?
Weight gain has been reported as a rare side effect of Rabeprazole sodium. Weight gain can add to your problem of acidity and heartburn. So, you must try to do some exercise and make healthy changes in your diet to control your weight.
Q. Does Rabeprazole sodium expire?
Yes, like any other medicine, Rabeprazole sodium also expires. Always check the expiry date on the pack of the medicine before using it.
Q. Does Rabeprazole sodium cause constipation?
Constipation is a common side effect seen in patients using Rabeprazole sodium. Making healthy lifestyle changes like doing yoga, taking high fiber diet and plenty of fluids will prevent constipation.
Q. Does Rabeprazole sodium cause high blood pressure?
Rabeprazole sodium is not reported to cause high blood pressure. In case you experience high blood pressure, talk to your doctor as it may need attention. Common side effects seen with Rabeprazole sodium includes nausea, abdominal pain, constipation, diarrhea, and flatulence.
Q. Does Rabeprazole sodium cause headache?
Headache is reported as one of the common side effects of Rabeprazole sodium. Please consult your doctor in case you experience an intolerable headache for a prolonged duration while taking Rabeprazole sodium.
Q. Can I take Rabeprazole sodium with ranitidine?
Yes, Rabeprazole sodium can be taken with ranitidine. As Rabeprazole sodium show its effect after some days, Ranitidine can be taken for immediate relief. No drug-drug interactions or change in side effect profile has been reported when they are used together compared to either drug alone.
Q. Can I take Rabeprazole sodium with ibuprofen?
Rabeprazole sodium can be taken with ibuprofen. Rabeprazole sodium is used to prevent painkiller (NSAIDs) induced gastritis and stomach ulcers by decreasing the production of acid in the stomach. There are no reported drug interactions or harmful effects when they are used together.
Q. Can I take Rabeprazole sodium with paracetamol?
Rabeprazole sodium can be taken with paracetamol. Rabeprazole sodium is used to prevent painkiller (NSAIDs) induced stomach ulcers by decreasing the production of acid in the stomach. There are no reported drug interactions or harmful effects when they are used together.
Q. How is Rabeprazole sodium metabolized?
Rabeprazole sodium is metabolized in the liver mainly by microsomal CYP450 enzymes (CYP2C19 and CYP3A4). Patients with poor CYP2C19 enzymatic activity will have higher levels of Rabeprazole sodium for a long time and a better suppression of stomach acid.
Q. Can Rabeprazole sodium be used for the treatment of throat infection?
No, Rabeprazole sodium is not meant for throat infections. However, it may be given along with antibiotics and other drugs to protect the stomach from excessive acid secretion.
Q. Why is Rabeprazole sodium used with cinitapride for some conditions?
Cinitapride increases the movement of the gut and is useful in the treatment of conditions like heartburn, dyspepsia and is also useful in the treatment of reflux esophagitis. It has much better efficacy when it is used with Rabeprazole sodium.
Q. Does Rabeprazole sodium play any role in treating ulcerative colitis?
Rabeprazole sodium does not have any role in the treatment of ulcerative colitis. However, it can be given if there is associated dyspepsia or increased stomach acid secretion. Talk to your doctor before taking any treatment for ulcerative colitis.
Q. Can Rabeprazole sodium be used for reflux esophagitis?
Yes, Rabeprazole sodium is effective in the treatment of reflux esophagitis. It is a disease in which stomach acid or bile irritates and inflames the lining of the food pipe. Rabeprazole sodium decreases the production of acid in the stomach and can help in healing the inflamed and eroded esophagus.The efficacy is better when it is given in combination with a prokinetic agent like domperidone.
Q. Is Rabeprazole sodium being used for treating weight loss?
No, Rabeprazole sodium is not used for the treatment of weight loss. It is a proton pump inhibitor and is used for the treatment of acidity, heartburn, intestinal ulcers and stomach ulcers.
Q. Is there any role of Rabeprazole sodium in treating hiatus hernia?
A hiatus hernia is the bulging of the stomach into the chest through an esophageal opening in the diaphragm which is larger than the normal size. A hiatus hernia is associated with acidity and heartburn. Rabeprazole sodium does not play any role in treating hiatus hernia, however, it can help in relieving the symptoms of acidity, heartburn and acid reflux.
Q. Can I take Rabeprazole sodium with vitamin D?
Yes, vitamin D can be taken with Rabeprazole sodium. Vitamin D is generally advised to be taken as a supplement with Rabeprazole sodium as its long-term use decreases the absorption of calcium and cause calcium deficiency. This can lead to osteoporosis (thinning of bones) and increase the risk of bone fractures like hip, wrist and spine fractures.
Q. How is Rabeprazole sodium useful in the treatment of H. pylori?
Rabeprazole sodium is used along with antibiotics for the treatment of H.Pylori infection. It works by decreasing stomach acid volume and decreasing breakdown and washout of antibiotics leading to an increased antibiotic concentration and tissue penetration. It also helps in the symptomatic relief by decreasing associated acidity, reflux, and heartburn.
Q. Can I take Rabeprazole sodium with domperidone?
Rabeprazole sodium can be safely taken with domperidone as no harmful effects have been reported clinically. A fixed-dose combination of these two medicines is also available. Domperidone increases gut motility and Rabeprazole decreases the acid production in the stomach. So, this combination is very effective in the treatment of reflux esophagitis associated with acidity, heartburn, intestinal and stomach ulcers.
Q. Can long term use of Rabeprazole sodium cause magnesium deficiency?
Long-term use of Rabeprazole sodium can lower magnesium levels in patients taking multiple daily doses for a year or longer (at least 3 months). Get your magnesium levels checked at regular intervals. Tell your doctor if you experience seizures, dizziness, abnormal or fast heartbeat, jitteriness, jerking movements or shaking (tremors), muscle weakness, spasms of the hands and feet, cramps, muscle aches or spasm of the voice box.
Severely interacts with other drugs like
Taking Rabeprazole Sodium with any of the following medicines can modify the effect of either of them and cause some undesirable side effects
Rabeprazole Sodium with Ritonavir
Rabeprazole Sodium with Cilostazol
Rabeprazole Sodium with Diazepam
Rabeprazole Sodium with Etizolam
Rabeprazole Sodium with Midazolam
Rabeprazole Sodium with Chlordiazepoxide
Rabeprazole Sodium with Magnesium Hydroxide
Medicines with composition Magnesium Hydroxide: Mgmax
Rabeprazole Sodium with Nitrazepam
Rabeprazole Sodium with Lorazepam
Rabeprazole Sodium with Clobazam
Rabeprazole Sodium with Clonazepam
Medicines with composition Clonazepam: Panik, Klojet, Sezolan, Calm, Brispam, Naze, Clono, Sonazep, Closis, Ubitpam, Clonarey, Benzopin, Clona, Clozorix, Clonetic, Zemed, Klopam, Clonark, Clonar, Lonator, Klowin, Lonin, Biopam, Cylec, Cylenc, Zepam, Klon, Clozepam, Halopam, Clonzy, Clone, Lonapam, Q Zepam, Sezopam, Xenotril SL, Zapiz, Melzap, Petril, Ona, Onapil, Clonogem, Catier, Clonotril, Ozepam, Clonam IR, Monazepam, Calmstay, Prozepton, Emcloz, Ecotril, Epitril, Czam, Clonaxyl, Clonopam, Clonapik, Restovis, Norep, Liberta, Clozy
Rabeprazole Sodium with Flurazepam
Medicines with composition Flurazepam: Nindral
Rabeprazole Sodium with Alprazolam
Medicines with composition Alprazolam: Eurolam, Alwel, Tenzo, Indolam, Alzopam, Tensfree, Ezoprax, Aryalam, Lamad, Nucalm, Altok, Sozox, Sedate, P Zolam, Silam, Alprawin, Alcicalm, Alzom, Sinozol, Alzot, Romipraz, Wycalm, Avizolem, Reclam, Zopain, Acalm, Alzorix, Aldip, Zola, Alprogard, Rozin, Alprasan, Alz, Triota, Suzilam, Altrex, Zorest, Pax, Zolark, Sleepex, Zoem, Endep, Actirax, Tenso-F, Balzam, Prazil, Zopral, Resto, Anquil, Alzac, Bio Zolam, Alpronit, Alpram, Anilam, Alproz, Trika, Anxinil, Nulam, Lampoz, Meriproz, Alprasafe, Tranquil, Enzitan, Norex, Nat, P Calm, P Kalm, Zolent, Exal, Alam, Alpose, Zenax, Zolorel, Arkalam, Alprocam, Alzonex, Tryzo, Bliz, D.D.Lam, Manorest, Prosanti, Notence, Texidep, Zolam, Zolipax, Alora, Eldezolam, Becalm, Alzokam, Aleez, Alprazol, Alprater, Nindra, Endax, Pacyl, Kaprolam, Adzolam, Alarm, Trapose, Xycalm, Ancolam, Alzex, Alprazone, Procalm
Rabeprazole Sodium with Sodium Bicarbonate
Medicines with composition Sodium Bicarbonate: Sodamax, Sobinix, Sobimed, Soda Bicarb Glycerin
Rabeprazole Sodium with Methotrexate
Rabeprazole Sodium with Dipyridamole
Medicines with composition Dipyridamole: Cardiwell, Thrombonil
Rabeprazole Sodium with Phenytoin
Rabeprazole Sodium with Clopidogrel
Medicines with composition Clopidogrel: Clopinorm, Hanatrel, Clopido, Klopy, Flo, Clopizen, Clopilet, Clopifine, Clopace, MYO, Clotnil, Clopicure, Deplatt, Plavix, Plagerine, Klotfree, Cloflow, Cidogrel, Adgril, Clopact, Aclotil, Ceruvin, Delgrel, Antiban, Superclop, Clolyse, C Grel, Clop, Cloprez, Nugrel, Carpigrel, Torplatt, Clopicheck, Clobest
Rabeprazole Sodium with Spiramycin
Medicines with composition Spiramycin: Spiramycin, Macromycin, Spiratox
Rabeprazole Sodium with Roxithromycin
Medicines with composition Roxithromycin: Zuroxy, Roxilim, Rox Thro, Ani Rox, Enirox, Serox, Marox, Roxup, Roxiden, Adrox, P Rox, Roxro, Cidocin, Roxall, Roxipax, Throxid, Ruben, Alrox, Karoxy, Ethirox, RO, Grox, Tilide, Tikrox, Roxcol, Roximin, Roxyron, Roxin, Rxn, Uthrox, Roxicon, J Roxy, Roxiwin, Roxson, Roxipol, Roxymycin, Starox, Indarox, RXT, V Rox, Roxalgo, Roxina, Altrox, Roxirap, Viroxx, Lomin, Virrox, Turex, Roxt, Veerox, Roxiba, Entrox, Remycin, Santrox, Roxtri, Biolide, Vonmycin, Throxin, Roxica, Bythro, M Rox, Roxitin, Synrox, Othrox, Roxilox, Kexith, Roxiza, Roxel, Bio Throx, Kylrox, Hirox, Roxyvin, Roxinit, Arox, Throaid, Aqrox, Roxid, Roxilac, Vilrox, Roxeptin, Roxyrol, Q Rox, Aurox, Roxygo, Romithrax, Raxitid, Roxy, Roxikem, Roxywin, Rekthro, Xthrocin, Roxibest, Roxychem, Bactimycin, Roxipil, Roxicate, Roxikind, Throx, Roxibid, Roxith, Roxitec, G Rox, Roxywok, Roxigull, Ecrobid, Rokim, Roxon, Roxivista, Rithro, Ziroxy, Roxicard, Eroxy, Roxem, Roxinga, Roxiron, RT Cure
Rabeprazole Sodium with Erythromycin
Medicines with composition Erythromycin: Arthrox, Ciresto, Eromax, Avithrocin, Denthrocin, E Cin, T Mycin, Suzithrocin, Methro, Erypsin, Eryn, Enzycare, Erigyn, Osomycin, Eromycin, Ortholate, Althrocin, Eryster, Eryspic, Elthrocin, Etomin, Erythrocin, Erypal, Erythrokem, Agrocin, Eltocin, Eryspans, Elucin, EB, Erycon, Q Mycin, Erythrotone, Erythrol, Citamycin, Eroate, Erythromark, Citamycin P
Rabeprazole Sodium with Clarithromycin
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TOKYO (Reuters) - Shares of Sharp Corp shed 7.3 percent to 179 yen on Monday morning, extending Friday's 28 percent slide after it reported a first-quarter loss and revised its forecast to a full-year operating loss of 100 billion yen ($1.27 billion).
Sharp had previously expected a 20 billion yen operating profit. ($1 = 78.5950 Japanese yen)

subset: commoncrawl


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WVNCC | West Virginia Northern Community College
West Virginia Northern Community College, with campuses in Wheeling, Weirton and New Martinsville, has announced it has been designated a 2015 Military Friendly® School by Victory Media, considered the leader in successfully connecting the military and civilian worlds.
WVNCC has received the Military Friendly® Schools designation by Victory Media for the past several years. Now in its sixth year, Military Friendly® provides service members transparent data-driven ratings about post-military education and career opportunities.
The Military Friendly® Schools designation is awarded to the top 15 percent of colleges, universities and trade schools in the country that are doing the most to embrace military students, and to dedicate resources to ensure their success in the classroom and after graduation.
Victory Media said methodology used for making the Military Friendly® Schools list has changed the student veteran landscape to one much more transparent, and has played a significant role during the past six years in capturing and advancing best practices to support military students across the country.
Dr. Martin J. Olshinsky, president of Northern, pointed out higher education in the state of West Virginia has been aggressively promoting its services to military veterans for some time now. "We believe a community college is the perfect place for veterans to process into higher education, and Northern's staff and faculty are well suited to help them take on the challenge."
The survey captures more than 50 leading practices in supporting military students and is available free of charge to the more than 8,000 schools approved for Post-9/11 GI Bill funding.
For more information, contact campus counselors Tami Becker, Wheeling campus, 304-214-8946; Lisa Soly, Weirton campus, 304-723-7515; or Ina Robinson, New Martinsville campus, 304-510-8767.


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Ryan Gosling and Eva Mendes's Daughter Has a Name
It might be Disney-inspired.
According to TMZ, Ryan Gosling and Eva Mendes's daughter has a name, and it is — drum roll, please! — Esmeralda Amada Gosling. Esmeralda, of course, is a character in The Hunchback of Notre Dame (maybe the two are Disney fans?), while Amada was the name of Mendes's character in 2007's We Own the Night. In the interest of fairness, we hope the next kid will be named after one of Gosling's characters. We suggest Quasimodo "The Driver" Gosling. That has a cool-celeb-kid ring to it.


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Miami Finishes Weekend Sweep With 2-1 Win Over Western Michigan
Jan. 31, 2010
By Drew Davis
OXFORD, Ohio - No. 1 Miami used two power-play goals to beat Western Michigan 2-1 and complete the weekend sweep Saturday night at Steve Cady Arena at the Goggin Ice Center.
Junior Pat Cannone scored early in the second period and his classmate, Andy Miele, tallied the game-winner late in the third period. Sophomore goaltender Connor Knapp stopped 15-of-16 shots to earn the win.
The scoreless first period was a back-and-forth affair with neither team able to gain the early advantage. Miami set the pace with a series of punishing hits, knocking Western Michigan skaters to the ice on multiple occasions, but the Broncos were not intimidated, playing strong defense and limiting the potent Miami offense to 13 shots that were all turned away easily by Western Michigan goaltender Riley Gill.
The RedHawks broke open the scoreless game just 11 seconds into their third power play of the game at 4:22 of the second period. The Red and White quickly set up the special teams attack, spreading out the Western Michigan defense. A series of passes around the ice found Cannone open on the left side of the goal. He used a quick wrister to beat Gill five-hole and take the 1-0 lead. Juniors Carter Camper and Tommy Wingels earned assists for setting up the play.
Throughout the rest of the second period, Miami let loose a barrage of shots on goal, totaling 20 in the frame, but Gill stayed strong in goal, keeping Western Michigan within striking distance. Meanwhile, the RedHawks shut down the Broncos' offense, holding them to only three shots on goal during the stanza.
Western Michigan evened the score at 1-1 at 4:26 of the third period during a 4-on-4 play when junior Mike Levendusky, whose older brother, Pat, was a member of the RedHawks from 2002-2005, tallied his first-career goal. Greg Squires corralled the puck in the left corner and sent a pass to Levendusky at the point. He settled it and sent in a wrist shot past his defender that beat Knapp glove-side.
Miami was able to break the tie at 15:39 of the final period when Miele lit the lamp on a slap shot from 40 feet out. Working on the power play, Miami sent in a shot on goal that caromed off Gill. As the RedHawks crashed the net, the four Western Michigan defenders moved in to try to clear the puck. As players from both teams piled up in front of the goal, the puck bounced back to Miele, who was in the right place at the right time, trailing behind the play. Sophomore Trent Vogelhuber and senior Jarod Palmer earned assists on the play.
"I thought we played pretty good all weekend long. We played our game, but (WMU goalie Riley) Gill played great both nights," said Miami head coach Enrico Blasi. "Whether it's (Andy) Miele's line or (Carter) Camper's line or (Pat) Cannone's line, or whoever we have on our other line, everybody contributed and that's the way it's been all year. And for us to be successful down the stretch, we're going to have to have everybody contribute."
The RedHawks fired a season-high 49 shots on goal and converted on 2-of-5 power play opportunities. The Broncos finished with 16 shots and were 0-for-2 on the power play.
Miami is back in action February 5-6 against Lake Superior State at Steve Cady Arena. The puck drops at 7:35 Friday night and 7:05 Saturday.


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Get up to 4 Free Quotes!
With all the demands of a clean home, do you think about what you're cleaning with? Many common cleaners contain harsh chemicals that impact the environment and the body. Keep it a peaceful space by getting rid of the toxic cleaners and using a natural solution; essential oils. These plant-based products are earth, family and pet-friendly, all things you want for your healthy home.
Essential oils are great for the body and your home! Here are a few tips to keep your house looking clean and free of toxic chemicals.
Why Use Essential Oils?
The benefits of essential oils are truly endless. They've been used before chemical cleaners were available, dating back to ancient Egyptian times. Essential oil is a highly concentrated liquid plant extract that's very aromatic. They're used for their medicinal, cosmetic and household benefits. They're created by extracting and concentrating the cells from plants through either distillation or expression (cold pressing) extraction. These oils come highly concentrated and have various health benefits depending on the oil.
It's important to know that each oil has a different benefit and a strong scent. Oil blends are helpful to utilize different oils for one purpose, such as a purifying blend to sanitize and freshen the air.
If you're considering using essential oils, it's very important to do your research and know you're using them appropriately. Thankfully, it's easy to find research and reviews, since the popularity of essential oils is growing rapidly. Here are some good tips to know as you get started:
- Essential oils come in different price ranges, from different companies. Look for oils that are high quality and companies that test their oils carefully.
- Know where the oils come from. Ideally, you'll be looking for oils from plants growing indigenously rather than in a greenhouse.
- Understand the three main ways to use essential oils; topically with a carrier oil such as fractionated coconut oil, aromatically with a diffuser and in a few cases taken internally, such as a drop of lemon in water.
- Always store essential oils in glass bottles and keep away from heat.
- There many kinds of essential oils, so understand the benefits of each one before purchasing.
One of the best benefits I have found from using essential oils is their household use. There are many harmful chemicals in common household cleaners used every day. However, you can rid your house of these products and germs by cleaning with essential oils.
In the Kitchen
In a place where you prepare and store food, why keep harsh cleaning chemicals nearby? One of the most popular areas of the home to use essential oils is the kitchen. Many solutions are easy to create with a few drops of oil and household items. Lemon, eucalyptus and lavender essential oils are great places to start when looking at what oils to use in the kitchen.
Homemade All-Purpose Cleaner
Get a glass spray bottle and combine one cup distilled water, one cup white vinegar and 10-20 drops of essential oils. Lavender is a great multi-purpose oil that has great antiseptic and antibacterial properties. Lemongrass is a great mood-lifter and has antiviral benefits. Oregano is another option that works well as an antifungal and antibacterial agent. These can be combined or left individually to create a clean kitchen surface.
Dishwasher Cleanser
To give your dishes a good rinse and leave your dishwasher smelling fresh, add 10 drops of essential oil, such as lavender, bergamot or wild orange to your natural dishwashing soap and run. It's that simple!
Grout Cleaner
In my kitchen, spills happen often and of course, right on the white grout. It's easy to get that grout looking like new again. Simply take 1/8 cup of distilled water, a half cup of baking soda and 10 drops of eucalyptus essential oil. This will form a paste to wipe over the grout. Let the paste sit for about 10 minutes and scrub with a wet sponge. Wipe any excess off with a wet cloth.
In the Bathroom
Bathrooms seem to take an unnecessary amount of cleaners to get the job done right. From toilet cleaners to special tub foams, these harmful chemicals can be dangerous on the lungs and skin. Tea-tree oil is one of the best alternatives to common bathroom cleaning products. Not only does it have high antimicrobial properties, but it also works to fight mold and mildew.
Toilet Cleaner
In a glass spray bottle, combine 15 to 20 drops of tea tree oil and two cups of distilled water. Shake vigorously and spray on the inside of the toilet bowl. Let it sit for about 30 minutes before scrubbing and washing.
Shower Cleaner
Not only will you love the aroma of your shower cleaner, but it will stick around as you use the shower later. In a glass spray bottle, shake together one cup of distilled water, one cup of vinegar, 15 drops of lemon essential oil and 15 drops tea tree oil. Spray down daily after showering to keep your shower sparkling!
Air Freshener
Aerosol and commercial fresheners tend to wear off after only a few minutes. Create a lasting scent with 1/4 cup of distilled water, two tablespoons vanilla extract and 15 to 20 drops of the essential oil of your choice and shake well. Lavender is a great deodorizer, as well as citrus scents and mint. One of my personal favorites is 10 drops of lavender and five drops of lemon, to create a fresh scent
Other Household Uses
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Not limited to the bathroom and kitchen, essential oils can be used all over the house. Pick a few of your favorite scents and integrate them into your cleaning routine. Lavender, wild orange, thyme and peppermint oils have fresh scents and naturally fight against germs.
Fabric Refresher
If you don't have time to wash all the blankets or your couch is smelling a bit out-of-sorts, a natural fabric refresher is a good go-to. Combine one cup distilled water with five drops rosemary, five drops lavender and five drops of lemon essential oil in a glass spray bottle and shake well. Spray to eliminate odors and germs from fabrics and even carpet.
Drawer & Cabinet Deodorizer
This is a great solution to keep clothes smelling fresh and take out any musty smells from shelving. With a cotton ball, add four drops of your favorite oil and drop in the corners of your drawers and cabinets. Change weekly for a fresh scent. Citrus and lavender oils work well to take away odors.
Don't Forget to Diffuse
One of the best ways to use and enjoy essential oils is through a diffuser. By doing so, you can practice aromatherapy in your home and receive all the benefits. Has the cold hit your household? Try diffusing some eucalyptus or lemongrass to clean the air. Home for the holidays? Try diffusing pine or spruce oil to get everyone feeling festive. My personal favorite is lavender, to help promote restful sleep and create a relaxing atmosphere.
Heat can cause damage to the oil, so you'll need to use a cold air diffuser. They come in many different shapes and sizes, so find one that fits the environment you desire for your home.
As essential oils gain more popularity, we are sure to learn more of their uses and benefits. This is a great place to start if you're looking to eliminate harmful chemicals from your cleaning routine and encourage a healthy lifestyle in your household. Be sure to do plenty of research to find the best solutions for your family.
Looking for more ideas to create a green home? See Environmentally-Friendly Cleaners You Can Make At Home.


text:
Happy New Year Steepsterites.
We're at about 9.31pm now around here and my dad just called to wish us happy new year. Well. I say us. Mostly they seemed to want to talk to Lexitus. Right. I can see I'm no longer interesting. huffs
Anyway, we've just made tea. A brand new addition to my hmm larger than I thought collection. AC Perch's claim the queen actually drinks this.
It's got a reddish sort of colour, bit like a dark honey, and the aroma is very Earl Grey-ish. I can't seem to find any of the Gunpowder there.
The flavour is also mostly Earl Grey-ish, but it's got some sort of flowery more leafy kind of note to it which I'm assuming must be the Gunpowder. Somewhat astringent too which makes me wonder if it might have been better with a shorter steeping time.


text:
Sri Lankan elections officials said Friday that the nation would hold early presidential elections on Jan. 26 in what is expected to be a battle between two men revered for their efforts to crush the Tamil Tiger rebels.
President Mahinda Rajapaksa, who still has two years left in his six-year term, called early elections to take advantage of his popularity after the military defeated the Tigers and ended the country's 25-year civil war.
But he could face a strong challenge from Gen. Sarath Fonseka, who led the army during the final victory.
Government troops routed the rebels in May, ending their fight for an independent homeland for the country's minority Tamils. An estimated 80,000 to 100,000 people were killed in the violence.
P.M. Siriwardena, additional commissioner of elections, said nominations for the presidential election will be accepted on Dec. 17 and the vote held Jan. 26.
Fifteen opposition parties have said they would support Fonseka's presidential bid. The retired general is expected to announce his candidacy at a press conference this weekend.


text:
A Universal Naming Convention (UNC) format name defines the location of files and other resources that exist on a network. UNC provides a format so that each shared resource can be identified with a unique address. UNC is supported by Windows and many network operating systems (NOSs).
With Provisioning Services, UNC format names can be used to specify the location of the OS Streaming database for all Provisioning Servers, and to specify the location of a particular vDisk.
UNC names must conform to the \\SERVERNAME\SHARENAME syntax, where SERVERNAME is the name of the Provisioning Server and SHARENAME is the name of the shared resource.
UNC names of directories or files can also include the directory path under the share name, with the following syntax:\\SERVERNAME\SHARENAME\DIRECTORY\FILENAME
For example, to define the folder that contains your configuration database file in the following directory:
C:\Program Files\Citrix\Provisioning Services
On the shared Provisioning Server (server1), enter:
\\server1\Provisioning Services


text:
She Leads India
She Leads India is an action packed summit with powerful and moving speakers from India and rest of the world. Women who enrich the world with new ideas, innovations, inspiration and engagement.
India's biggest women's summit to be held in New Delhi in the month of March 2017, the focus is on women at work, achievers, women in public life, parliamentarians, CEOs, entrepreneurs, artists, culturists and more.
In partnership with UNWomen India, Empowered by Colors and PwC as Knowledge Partner
SheThePeole.TV is India's Biggest Storytelling Platform For Women. We champion real stories of real women. The go-to space for women to learn, growth, scale, succeed and celebrate achievements.
www.SheThePeople.TV is connected with women across the country across through genres, engaging and empowering them online and offline. We reach over 15 million women every month across our platforms and social media, making us the most comprehensive, researched, well positioned space to influence women entrepreneurs
Join us on 30th march | 10:00 am | The Lalit Hotel, Barakhamba Road


text:
Wed before just 48 friends and family members, Osbourne, 26, said the couple wanted to avoid having a lavish Hollywood ceremony.
"We wanted it to be intimate and all about us and our families," he told the magazine.
The bride wore a stunning beaded white dress by Amsale, while the groomsmen looked sharp in blue suits by Klein, Epstein & Parker and white Converse shoes.
Pachelbel's Canon played as Stelly walked down the aisle — a path that included 6,000 white orchid pedals.
Her ring was a rose-cut and pave diamond eternity band; Osbourne had a platinum band with a rose gold trim.
The lyrics "You are all I see" from the Queen song You're My Best Friend were inscribed inside.
Among the guests were Osbourne's parents, Ozzy and Sharon, sister Kelly and his five-month-old daughter, Pearl.
Sharon wore a custom-made pearl grey dress by Amsale. She can be seen on the magazine cover in an intimate family portrait alongside Jack, Lisa, Ozzy and Pearl.
"He is the happiest he has ever been," Sharon said of Jack.
"It's like having another sister," Kelly added of Lisa. "We talk a lot and have a similar sense of humor. She looks after my brother and they love each other. I love both of them."
The wedding capped off a difficult year for the newly married couple; earlier this year, Jack was diagnosed with multiple sclerosis.
"We've dealt with a lifetime's worth of problems in one year," Lisa told Hello!. "We've got through it all and I just know we'll be together forever"
"I feel like marriage will make our bond even stronger," said Jack, who added that Lisa and Pearl have changed his life.
For more on the couple's nuptials, pick up the latest issue of Hello!.
No changes are to be made to this player


text:
The Slithering Shadow
|"The Slithering Shadow"
|Robert E. Howard
|Original title
|"Xuthal of the Dusk"
|United States
|Conan the Cimmerian
|Published in
|Weird Tales
|Publication type
|Pulp magazine
|Rural Publishing Corporation
|Publication date
|September 1933
|Preceded by
|"Black Colossus"
|Followed by
|"The Pool of the Black One"
"The Slithering Shadow" is one of the original short stories starring the fictional sword and sorcery hero Conan the Cimmerian, written by American author Robert E. Howard and first published in the September 1933 issue of Weird Tales magazine. "The Slithering Shadow" is the original title, but the story is also known as "Xuthal of the Dusk" in further publications.[1] It is set in the pseudo-historical Hyborian Age and concerns Conan finding a lost city in a remote desert and encountering therein a Lovecraftian demon known as Thog.
The story was republished in the collections The Sword of Conan (Gnome Press, 1952) and Conan the Adventurer (Lancer Books, 1966). It has more recently been published in the collections The Conan Chronicles Volume 1: The People of the Black Circle (Gollancz, 2000) as "The Slithering Shadow" and in Conan of Cimmeria: Volume One (1932-1933) (Wandering Star, 2002) and The Coming of Conan the Cimmerian (Del Rey, 2003) as "Xuthal of the Dusk."
Plot summary[edit]
Conan the Cimmerian and Natala the Brythunian are the sole survivors of Prince Almuric's army which swept through the Lands of Shem and the outlands of Stygia. With a Stygian host on its heels, the prince's army had cut its way through the kingdom of Kush, only to be annihilated on the edge of the southern desert.
From that slaughter, when the Stygians and the Kushites surrounded the trapped remnants, Conan had cut his way clear and fled on a camel with Natala into the southern desert. For days they pushed on, seeking water, until their camel died. Then they continued on foot.
When their canteen is empty, Conan prepares to slay Natala as a mercy-killing, but he spies a distant city: Xuthal. At length, Conan and Natala enter Xuthal only to be attacked by an entranced guard. They soon encounter Thalis, a beautiful Stygian, who reveals the history of the peculiar city and the existence of Thog.
Thog is a monstrous demon from the city-states of ancient Valusia, his present form spun by the ancient sorcerers of Xuthal from the darkness between the stars. For an ageless time Thog has haunted the halls of Xuthal in search of living flesh to assuage the continuing manifestation of his body on the physical plane.
Thalis falls in love with Conan and, to eliminate her rival, kidnaps Natala in the hopes of sacrificing her to Thog. However, Thalis pauses to strip Natala of her tunic and, with a jewel-handled whip, flagellates her. In the middle of this whipping, Thog clandestinely appears, snatches Thalis, and devours her. The demon returns for Natala, but Conan intervenes and saves her. Conan fights Thog with all his might but scarcely harming its supernatural form, while receiving hideous crushing wound in the coils of its pseudopods and tentacles until he manages to pierce what he perceives as the 'head' of the monster from below and to precipitate it down into a well. Conan frees Natala who sets forth to help him but he's rapidly dying (this is the closest Conan ever gets to death in all of his saga), the Brythunian girl then brings him a jade decanter full of golden wine, retrieved from a room with a dreaming woman of Xuthal in it. The beverage proves to be a life giving elixir briefly mentioned by Thalis in a previous exchange, which miraculously heals all of Conan's wounds. Finally the couple retrieve food and water to cross the rest of the desert with and depart toward the horizon with Natala jokingly blaming Conan for having aroused Thalis' lustful nature and him retorting playfully about women's jealousy.
Fritz Leiber rated it among the worst of the Conan stories, "repetitious and childish, a self-vitiating brew of pseudo-science, stage illusions, and the 'genuine' supernatural."[2]
The story was adapted by Roy Thomas, John Buscema and Alfredo Alcala in Savage Sword of Conan #20, then by Fred Van Lente and Guiu Vilanova in Conan the Avenger #13-15 (2015).
- ^ Cover of Weird Tales September 1934, with original tile.
- ^ Fritz Leiber, "Fantasy Books", Fantastic, May 1968, p.143
External links[edit]
|Wikisource has original text related to this article:
|Preceded by
"Black Colossus"
| Original Howard Canon
(publication order)
|Succeeded by
"The Pool of the Black One"
|Preceded by
"The Snout in the Dark"
| Original Howard Canon
(Dale Rippke chronology)
|Succeeded by
"A Witch Shall be Born"
|Preceded by
Conan and the Mists of Doom
| Complete Conan Saga
(William Galen Gray chronology)
|Succeeded by
"Drums of Tombalku"


text:
Create a Ning Network!
Hello tennis fans... I am looking for hitting partners who would be into playing on the west side of town. I have guest passes to the Westmount courts (nice clay surface!) and there are good courts up at Somerled Park as well ($7 per hour with Accès Montréal card). I can make it to the McGill and Jeanne-Mance courts sometimes too. My level is around 4.0 but I am not too fussy about another person…
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text:
"I just want to help."
"Giving back" is a time honored tradition within the Recovery Community. Individuals, families, and allies who have dealt with addiction issues achieve a deeper commitment to their own recovery while helping to meet the needs of others.
A Recovery Community Center (RCC) is a place free from stigma that offers peer recovery support to the Recovery Community, regardless of pathway. Types of support fall within four categories: emotional, informational, instrumental, and affiliational. That means we have space to provide everything from Recovery Coaching & peer support groups to job readiness training & professional education to help accessing social services & transportation to ping pong tournaments & cookouts. These recovery supports are community driven and community run. We can't do this without you.
Please complete the following application form and our volunteer coordinator will contact you with next steps. Thank you again for your willingness to serve. Volunteers are at the heart of every Recovery Community Center.
Online volunteer form coming very, very, very soon.


text:
|By Age
|By Brands
|0-6 Months
|6-9 Months
|Toot-Toot Drivers
|9-12 Months
|Toot-Toot Animals
|12-18 Months
|Toot-Toot Friends
|18-24 Months
|Bath Toys
|2-3 Years
|4-5 Years
|VTech Baby
|6-7 Years
|8-9 Years
|Switch & Go Dinos
|Baby Monitors
|All baby Monitors
|Electronic Learning
|Little Love
|Kidicom Max
|More Ways to Shop
|Build Your Own Bundle
|Get Learning Lodge
|iOS Apps
|Learning Lodge Download
|VTech Kid Connect
|Shop Learning Apps
|Switch & Go Dinos
|Android Apps
|VTech Kid Connect
|InnoTab MAX
|InnoTab 3S InnoTab 3
|Colour by Lights colouring pages
|InnoTab 2
|VTech Club Sign-up
|Member Sign-up
|VTech on Facebook
|VTech on Twitter
|VTech on Youtube
|Developmental Benefits
|Ask our expert a question
|Consumer Services
|Contact Us
|Frequently Asked Questions
|VTech Contact Information
|Privacy and Cookie Policy
|About VTech
|Learning Lodge Terms & Conditions
|About Careers
|Terms & Conditions
|Tax Strategy
|Delivery Details
|Returns Policy
|Innotab Max
|eWaste & Battery Recycling
|KidiCom Max
|Product Warranty
|5-in-1 Stroll & Grow Trike
|Firmware Updates
|InnoTV update
|InnoTab Max Update
These Terms and Conditions have been updated as of 19 February 2016.
These General Terms and conditions regarding the Learning Lodge (Terms and Conditions) consist of the following sections:
I. Terms and conditions of Installation and Use
II. Privacy Policy
I.1. Learning Lodge
1. The Learning Lodge enables you to download free and/or payable digital software programs or firmware owned by VTech or its licensors, including but not limited to e-books, games and award certificates ("VTech Software") via the Internet from a VTech-designated server ("Server") on a designated Personal Computer, laptop or Mac® from which the VTech Software can be uploaded onto a VTech Software compatible hardware product ("VTech Hardware Product"). In order to download VTech Software it may be necessary to download additional software applications offered and provided through the Learning Lodge first and it may require you to accept additional terms which will be presented to you before you can use these additional software applications. When the term "Learning Lodge" is used in the Terms and Conditions it also refers to other software applications, VTech Software and content made available through Learning Lodge. We particularly draw your attention to sections I.6.3 and I.11 below, which explains the circumstances in which we may suspend or terminate your use of the Learning Lodge and the conditions and limitations which apply to our liability to you in connection with the Learning Lodge.
I.2. Applicability and acceptance
1.The following specifies the Terms and Conditions on which VTech Electronics Europe PLC (registered company number 02178243) Napier Court, Abingdon Science Park, Abingdon, Oxfordshire, OX14 3YT ("VTech") offers you to install and use the Learning Lodge and may be varied by us in accordance with section I.2.5 and I.6.3 below. Please read the Terms and Conditions carefully before installing and using the Learning Lodge on your computer.
2. The Learning Lodge is intended solely for the use of individuals who already own VTech Hardware Products. If you do not currently own and possess one of these products, DO NOT use the Learning Lodge and DO NOT download the software or firmware available on the Learning Lodge. If you disregard this section and download software or firmware despite not currently owning a VTech Hardware Product, VTech will not be responsible for any damage or loss caused to your device or information stored thereon, and you may be held legally liable for any resulting damage or loss caused to VTech by your download.
3. The Learning Lodge is available for individuals aged 18 years or older. If you are under the age of 18, you should not use the Learning Lodge alone. Instead, review these terms and conditions with your parent/guardian to make sure you and your parent/guardian understand these terms and conditions. These terms and conditions create an agreement between VTech and an adult parent/guardian of any child who uses the Learning Lodge.
4.Installation and use of the Learning Lodge on your computer will only be possible after your acceptance of the Terms and Conditions. You can only accept the Terms and Conditions, of which the below stated privacy policy of VTech ("Privacy Policy") forms an integral part, by clicking the button: "I Agree". If you do not accept the Terms and Conditions in whole, please do not install and/or use the Learning Lodge. In that case you are kindly but firmly requested to click on the button: "Cancel", as installation and use of the Learning Lodge shall imply your acceptance of these Terms and Conditions.
5. VTech may revise the Terms and Conditions from time to time with or without notice to you. If we make only minor changes to these Terms and Conditions without materially changing your rights or obligations, we will post the revised Terms and Conditions on the Learning Lodge and they shall take effect immediately when they are posted. We recommend that you regularly review information posted by us within the Learning Lodge to keep up to date with such changes. We will notify you by email or through our online services if we make a change that materially alters your rights or obligations. If you do not accept any change, then you are free to terminate the agreement with us and stop using the Learning Lodge or software or firmware downloaded from it. Your use of the Learning Lodge following the posting (or notification) of any changes to the Terms and Conditions, shall constitute your acceptance of those changes.
I.3. License
1. VTech grants to you a non-exclusive, non-sub licensable, non-transferable license to install one copy of the Learning Lodge for non-commercial use on a designated Personal Computer or Mac®. You acknowledge that you shall acquire no rights to the Learning Lodge other than the license in accordance with the Terms and Conditions. The Learning Lodge may only be used to reproduce the VTech Software or other content and software applications you are authorized or legally permitted to reproduce. The Learning Lodge is licensed, not sold, to you only for that purpose.
2. In order to use the Learning Lodge you must register a VTech Hardware Product and have Internet access, which you shall be responsible for the Internet connecting fee. There are different versions of Learning Lodge for different countries. The version of Learning Lodge you are licensed to use will depend on the country where you bought your VTech Hardware Product.
I.4. Limited Warranty, Warranty
Disclaimers and Links to Third Party Websites
1. Subject to sections I.4.2 and I.4.3 below, VTech warrants to you that the Learning Lodge downloaded on your Personal Computer that adheres to the minimum technical requirements specified on the website www.vtechkids.com/download/UK is of satisfactory quality and fit for its purpose, and shall work as designed for a period of ninety (90) days from the date of installation and VTech will correct any defect and provide updates as soon as commercially feasible (the "Warranty Period").
I.5. Registration, Accounts and Passwords
1.VTech requires you to register an account by providing the information as requested and following the registration procedures as specified after you have indicated in the Learning Lodge that you would like to register an account.
2.You must not choose a username that infringes the rights of any third party, impersonates VTech staff or other users, which is deliberately confusing or which is offensive, racist, obscene, hurtful, unlawful or otherwise inappropriate or which is against any relevant laws and regulations. VTech reserves the right to make such assessment in its sole discretion, change any username for any reason or take such other action as VTech believes appropriate.
3.If you create an account in the Learning Lodge, you agree to be responsible for: maintaining the confidentiality of passwords or other account identifiers which you choose and all activities that occur under such password or account identifiers. You agree to promptly notify VTech of any unauthorized use of your password or account identifiers. Subject to section I.11.4 of these Terms and Conditions, VTech will not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred by you to the extent that it is as a result of, or in connection with, your failure to comply with this section of the Terms and Conditions.
I.6. Upgrades, updates and changes to the Learning Lodge
1. VTech may provide updates and upgrades to your VTech Hardware Product through the Learning Lodge from time to time without any prior written notice. You should read and precisely follow the instructions before initiating an update or upgrade. The process shall be done in an environment with a steady power supply. If the update or upgrade process is interrupted, your VTech Hardware Product may not function properly. You must follow the download procedure as explained through the Learning Lodge in order to properly use the VTech Hardware Product. To the extent permitted by law, VTech will not be responsible or liable, directly or indirectly, in any way for any loss or damage of any kind incurred as a result of, or in connection with, your failure or inability to use the Learning Lodge or any software or firmware downloaded from it, including any damage which you could have avoided by following our advice to apply an update or upgrade offered to you free of charge or for damage which was caused by you failing to correctly follow installation instructions or to have in place the minimum system requirements advised by us .
2. VTech may update or upgrade the Learning Lodge from time to time and such updated or upgraded changes will be automatically provided to you the next time you connect your designated Personal Computer or Mac® to the Internet. Unless explicitly stated otherwise, any new or additional features that augment or enhance the current Learning Lodge, including the release of new products or services, shall be subject to the Terms and Conditions.
3. The information published in the Learning Lodge does not necessarily reflect VTech's views. VTech may at any time and at its own discretion with or without notice to you change, delete or withdraw any information, content or downloadable software programs made available through the Learning Lodge or impose additional restrictions, rules or charges concerning the use of the Learning Lodge or any software or firmware made available through it. Where such changes, withdrawals, restrictions or rules are material, VTech will contact you in advance to tell you about them and you will be free to stop using the Learning Lodge if you do not agree to the revisions. However, VTech reserves the right to alter or remove the Learning Lodge or suspend or terminate your use in any way, at any time, for any reason, without prior notification, and will not be liable in any way for possible consequences of such changes. This may be necessary, for example, to reflect changes in relevant laws or regulatory requirements or to implement technical adjustments and improvements, for example to address a security threat.
I.7. User Submissions
1.While VTech desires to receive feedback from consumers, unless specifically requested by VTech in writing, please do not send VTech any creative or original concepts, ideas, materials or products, or confidential or proprietary information. All comments, feedback, ideas, suggestions or other information submitted or offered to VTech by e-mail or otherwise (collectively "User Submissions") shall be and remain VTech's property. Any such disclosure or offer of any User Submissions shall constitute an assignment to VTech of all worldwide rights, titles and interest in all intellectual properties in the User Submissions. Thus, VTech will own exclusively all such rights, titles and interests in any User Submissions, and shall not be limited in any way in its use, commercial or otherwise, of any User Submissions. VTech is and shall be under no obligation to maintain any User Submissions in confidence (except to the extent a User Submission constitutes (in whole or part) personal data in which case it will be treated in accordance with our Privacy Policy), tomake any payment for any Submissions, or to respond to any User Submissions. You agree not to use the Learning Lodge for any illegal or immoral purpose.
You agree that you will not send or post any User Submissions that are subject to any third party proprietary rights (including rights of privacy or rights of publicity), unless you have a formal license or permission from the rightful owner to post the material in question and to grant VTech the rights referred to in paragraph I.7.1. above. VTech reserves the right (but shall have no obligation) to decide whether User Submissions comply with the content requirements set out in the Terms of Use in paragraph I.8 below and may remove such User Submissions without prior notice and at VTech's sole discretion.
I.8. User restrictions
1. VTech grants you permission to access and use the Learning Lodge, subject to the following express terms, and you agree that your failure to adhere to any of these terms of use shall constitute a breach of contract on your part:
(1) you agree not to distribute any part of or parts of the Learning Lodge, including but not limited to any textual or other content submitted to the Learning Lodge by users in any medium without the prior written authorization of VTech;
(2) you agree not to alter or modify any part of the Learning Lodge;
(3) you agree not to (or attempt to) circumvent, disable or otherwise interfere with any security related features of the Learning Lodge or features that (i) prevent or restrict use or copying of Learning Lodge content or (ii) enforce limitations on use of the Learning Lodge or the content accessible via the Learning Lodge;
(4) you agree not to use the Learning Lodge for any commercial use, without the prior written authorization of VTech;
(5) you agree not place content which is inappropriate or contains discrimination, slander, defamation and/or any provocation, exchange of abuse or incitement to hatred, or infringes on the privacy and personal life or other rights of a natural person or that can be assumed to be in any other way illegal;
(6) You agree not to collect or harvest any personal data of any user of the Learning Lodge (and agree that this shall be deemed to include VTech's account names);
I.9. Intellectual Property Rights
I.10. Resale of Product
Our Internet operations are established to grant non-exclusive, non-sublicensable, non-transferable, personal and perpetual license for end customers to install free or non-free software and software applications to end-use customers via the Learning Lodge only. We do not sell downloadable software via the Internet to customers nor do we license software and/or software applications to users who intend to sub-license, re-sell or export the software and/or software applications.
I.11. Our liability to you
5. Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the above limitations may not apply to you.
I.12. Your liability to us
You will be responsible for any claims, proceedings, damages, losses, injuries, costs and expenses or liabilities suffered by VTech as a result of your breach of any of these Terms and Conditions.
I.13. Termination
You understand that your acceptance of the Terms and Conditions will constitute a license agreement between you and VTech. You may terminate the agreement between VTech and you at any time. If you fail to comply with any of the Terms and Conditions, VTech at its sole discretion acting reasonably, without notice to you may terminate the agreement between VTech and you. VTech shall not be liable to you or any third party for the termination of the agreement. The following sections of the Terms and Conditions survive any termination of the agreement between VTech and you: I.4.4. – I.4.6 - Warranty Disclaimers and links to Third Party Websites; I.11 – Our Liability to you; I.12 – Your liability to us; I.13 – Termination; I.14 – Severability; I.15 – Waiver; I.20 – Exclusion of Third Party Rights; I.21 – Choice of Law and Forum.
I.14. Severability
If any one or more of the provisions of the Terms and Conditions, or their application in any circumstance, is held invalid, illegal or unenforceable in any respect for any reason, the validity, legality and enforceability of that term or condition in any other respect and the remaining provisions of the Terms and Conditions shall not in any way be impaired.
I.15. Waiver
VTech's failure to exercise or enforce any right under or provision of the Terms and Conditions shall not constitute a waiver of such right or provision.
I.16. Consent to Electronic Communications
When you use the Learning Lodge or send e-mails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by e-mail or by posting notices in the Learning Lodge. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.
I.17. Statutory Rights
The Terms and Conditions do not affect your statutory rights (if appropriate) as a consumer.
I.18. Section Titles
The section titles in these Terms and Conditions are for convenience only and have no legal or contractual effect.
I.19. Entire Agreement
The provisions and conditions of these Terms and Conditions constitute the entire agreement between you and VTech related to the installation and use of the Learning Lodge and supersedes any prior agreements or understandings not incorporated herein. In the event that any inconsistencies exist between the Terms and Conditions and any future published Terms and Conditions or understanding, the last published Terms and Conditions shall take precedence.
I.20. Exclusion of third party rights
Unless expressly provided in this agreement, no express term of this agreement or any term implied under it is enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to it.
I.21. Choice of Law and Forum
The Terms and Conditions shall be governed and construed in accordance with the laws of England and Wales (or the laws of Scotland or Northern Ireland if you live there). Any dispute arising out of or relating to the Terms and Conditions or your access or use of the Learning Lodge will be subject to the exclusive jurisdiction of the courts of London, The United Kingdom (or the courts of Scotland or Northern Ireland if you live there).
You may also be able to refer a dispute to the European Online Dispute Resolution ("ODR") platform at http://ec.europa.eu/odr. The ODR platform is a web-based platform which is designed to help consumers who have bought goods or services online. It provides access to independent alternative dispute resolution services which are usually free for you to use.
VTech may collect information from you and/or your child during the registration process for Learning Lodge and/or during use of the Learning Lodge, software or firmware downloaded therefrom, or related services.
VTech is committed to protecting the privacy of the users of Learning Lodge and its software, firmware and related services. Our policies regarding collection, use, storage, protection, and disclosure of your information, are contained in VTech's Privacy Policy, which is incorporated into these Terms and Conditions by reference and available at http://www.vtech.co.uk/privacy_policy/.
By proceeding to use any of the VTech Services or (where available) by registering to use any of the VTech Services, you confirm that you have read, understood and agree to this Privacy Policy in its entirety and grant us permission to process (your) personal data that you have provided to us in accordance with the provisions of this Privacy Policy. We therefore advise you to read it carefully.
Questions, comments or requests regarding the Privacy Policy are welcomed and may be submitted for the attention of The Marketing Department VTech Electronics Europe PLC Napier Court, Abingdon Science Park, Abingdon, Oxfordshire, OX14 3YT or by email to email@example.com.


text:
Why UMoveFree?
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Located on the east shore of Lake Ray Hubbard is Rockwall, Texas, the seat of Rockwall County, which, at approximately 147 square miles, is the smallest county in Texas. Rockwall is bisected by Interstate 30, 23 drive miles east of Dallas.
Family Circle magazine named Rockwall as one of the best U.S. cities to call home, citing good neighbors, public schools, affordable housing, and green spaces (August 7, 2009 issue). Additional criteria included financial stability, low crime, and healthcare access. Rockwall was the only Texas city in the ranking, which was weighted heavily on schools.
Rockwall ISD is by far the largest employer in the city, with 1,365 employees. Other top employers include Lake Pointe Medical Center, Texas Star Express trucking, Wal-Mart, the County of Rockwall, and the city. Rockwall ISD has six schools with exemplary rankings, five schools with recognized status; the district overall received a recognized rating from the state. Other schools include The Fulton School, Heritage Christian Academy, and Rockwall Christian Academy. Higher education is available through Collin County College's Higher Education Center in Rockwall.
Rockwall Commons is an upscale, mixed-use development located on Ridge Road just south of Goliad. This high-end, multi-use development with offices, retail, restaurants, and apartments with views of Lake Ray Hubbard. Amenities include on-site security, a jogging track, covered parking, as well as an outdoor amphitheater.
Rockwall has a new retail site along the lake called 'The Harbor'. The shopping district has fountains, walkways, a 12 screen movie theater, boardwalks and a shopping center full of great shops and restaurants.


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Bumblecunt is a noun synonymous with the word 'plumber'. It is usually used to describe a professional plumber who is particularly annoying, incompetent or inefficient within their role.
Bumblecunt is still here. Still not fixed the leak. He has, however, used all the tea bags and left a mere ml of milk in the fridge.
by Team BDT November 15, 2011
buy the domain for your cat vlog


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MTN Nigeria, which is one of the biggest telecoms company in Nigeria has relaunched the iPulse call tariff plan. And before we proceed, a lot of people want to know about; mtn ipulse bonus, mtn ipulse benefits, mtn ipulse data plan and a lot more…
The MTN iPulse tariff Plan enables you to call all other Networks in Nigeria for just 11 kobo per seconds, gives you 10MB data cap on 100 Naira recharge, and you can send text messages at the rate of N2 only! This plan is suitable for students as well as non-students of cause.
The MTN iPulse tariff plan comes as a big gift to students in high tertiary institutions in the country, N2/SMS is good enough thing for every student as you can easily send text-message and meetup with course-mates for group reading and projects without having to spend so much airtime on calls, though the calls are still cheap compare to other plan.
Big Benefits of MTN iPulse Tariff Plan
All campuses (Universities, polytechnics, college of education, school of nursing, police academy etc) and its surrounding environments are regarded as the "iPulse Zone" in the new MTN iPulse tariff plan. You will get the most affordable price on call and data services once you're in an "iPulse Zone". So here we go students… You can now enjoy MTN everywhere you go especially in Campuses!
The MTN free goodybag social bundle and 10mb on N100 recharge will help many students in the higher institution that needs affordable data plans to keep up with research work and the other one that follows…. SOCIAL NETWORKS!
Benefits of MTN iPulse Tariff Plan
- 90% discount on your favorite callertunez at N/month
- Free MTN Academy content for 7 days
- 11k/sec to all networks within the Campus Pulsing zone
- SMS goes for N2 within the campus Pulsing zone
- Free goodybag social bundle & 10mb on N100 recharge
How to Migrate to MTN iPulse Tariff Plan
Below is the code that will migrate you to the MTN iPulse plan easily.
From your mobile phone, dial *406# and you will be migrated for FREE and start enjoying the most affordable call and data service ever on campus.
Benefits and How to Migrate to Pulse Tariff Plan
Enjoy these mind blowing offers on MTN Pulse! Browse & download movies all night for just N25. All you have to do is simply text NIGHT to 131 to enjoy. That's not all because you can also get 1GB data for just N500 weekly on MTN Pulse. Simply text 103 to 131 to enjoy.
You can even enjoy unlimited streaming of all the latest and exclusive hit jamz on Music+ for just N10 daily! Simply Text M to 131 to enjoy. Remember, you need to join Pulse first, to be able to enjoy these offers! Dial *406# to join MTN Pulse.
Go MTN!


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The Grünauer family has owned and operated a traditional Austrian restaurant/gasthaus in Vienna for over 60 years. Peter grew up working in and around the restaurant before bringing his knowledge and passion for Austrian cuisine, culture, and life to New York City in the 1980s. There he owned and operated several Austrian restaurants including the New York Times 4-star rated restaurant Vienna 79.
After six successful years operating Grünauer restauraunt in Kansas City, The Grünauer family is proud to announce the addition of a new concept, Grünauer Bistro, to our restaurant portfolio. The Upper East Side of Manhattan has a long and storied Germanic culture and history. Grünauer Bistro is our attempt to resurrect the culture and tradition of Germanic food in a neighborhood that once was home to over 200 central and eastern European establishments.
Grünauer Bistro follows in the footsteps of our Kansas City operation by offering classic Viennese dishes while adding some more refined and nouveau items to round out a menu where authenticity is paramount.
Peter Grünauer
Peter Grünauer was a waiter at Peter Luger from 1971 to 1973, followed by stints at the Waldorf Astoria Hotel in New York, as food and beverage manager, and later at Regines in New York, also as food and beverage manager. In 1979 Peter was joined by Karl Zartler, who was his partner in the creation and operation of Vienna 79, a sixty-five seat fine dining restaurant located on 791th Street on New York's Upper East Side. Vienna 79 was awarded four stars by food critic Mimi Sheraton, writing for The New York Times. Peter and Karl operated Vienna 79 until it was sold in 1988.
Since that time, Peter has played a variety of roles in the hospitality business, primarily as a food broker and a food and restaurant consultant, which he continues to pursue at the present time. Peter is author of Viennese Nouvelle Cuisine, published by Doubleday in 1987.


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I am long China but I would prefer to buy Russia (Market Vector Russia ETF Trust (RSX)) than Brazil (iShares MSCI Brazil Index ETF (EWZ)) going forward. First of all Oil will be going higher if you are going to be buying Brazil. Putin is a better manager than Dilma Rousseff, that lady has made so many mistakes...
China and Russia are getting closer and closer together.
Related Exchange Traded Funds: iShares MSCI Emerging Markets Index ETF (EEM)
Jim Rogers is a legendary investor that co-founded the Quantum Fund and retired at age thirty-seven. He is the author of several investing books and also a renowned financial commentator worldwide famous for his contrarian views on financial markets.


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The Primary Care Centre, Hawstead Road, Catford, London, SE6 4JH
Tel: 020 7138 7150 Fax: 020 8690 7185 Text: 07800 009 656
Monday & Wednesday: 8am-8pm Tuesday, Thursday & Friday 8am-6.30pm
Phones open from 8am and transfer
to SELDOC at 6.30pm.
Copyright © 2011-2015 Rushey Green Group Practice | All Rights Reserved
Professional Websites by Swiftcreations
View Medical Record
Log onto Emis Access to view details of your medical record here: www.emisaccess.co.uk
How do I arrange to view my medical record from home?
It is now possible for you to view your medical record from home via EMIS Access. In order to do this you will need to obtain your own private password from our Data Co-ordinator.
You will need to bring 2 forms of ID into the practice:
A photo ID (such as a passport)
A proof of address (such as a bill or bank statement)
This is to prevent against identity fraud and to maintain confidentiality.
Legal Points to note
At the Rushey Green Group Practice we aim to provide you with the highest quality of healthcare. To do this, we must keep records about you, your health and the care we have provided to you or plan to provide to you.
NHS care records may be electronic, on paper or a mixture of both.
You have the right to privacy and confidentiality and to expect the NHS to keep confidential information safe and secure. This guarantee is our commitment that the practice will use records about you in ways that respect your rights and promote your health and wellbeing.
The Government has made it clear that patients will have control of their own health records, starting with access to the records held by their GP and extending to records held by all health providers (Equity and Excellence: Liberating the NHS, Department of Health, 2010, paragraph 2.11).
The law gives you the right to:
confidentiality under the common-law duty of confidentiality;
protection in the way information about you is handled under the Data Protection Act 1998; and
privacy, under the Human Rights Act 1998.
ask for a copy of all records about you held in paper or electronic form (you may have to pay a fee); and
choose someone to make decisions about your healthcare if you become unable to do so (this is called 'a lasting power of attorney').
This page on the NHS Choices Website provides further information on how your health records are stored and used by healthcare professionals.


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Terrell Tilford Cast on One Life to LiveMatt Richenthal at . Comments
Terrell Tilford has been cast as Dr. Greg Evans on One Life to Live.
The actor previously played David Grant on Guiding Light, starring on that series from 1998 to 2001. He also appeared in 2008 as Dr. Carrington on Days of Our Lives.
Look for Tilford to debut on June 23.
Matt Richenthal is the Editor in Chief of TV Fanatic. Follow him on Twitter and on Google+.


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Our corporate pilgrimage has brought us to new understandings of relationship and ministry. Sensing the need to express these shared understandings as a framework for joint global action, the following Covenant of Partnership has been formulated...CLICK HERE TO DOWNLOAD
The founders of World Vision, believing that our activities should be undergirded by a few straightforward confessional commitments, elected to adopt the following Statement of Faith...CLICK HERE TO DOWNLOAD
World Vision is an international partnership of Christians whose mission is to follow our Lord and Saviour Jesus Christ in working with the poor and oppressed to promote human transformation, seek justice and bear witness to the good news of the Kingdom of God.CLICK HERE TO DOWNLOAD
We recognise that values cannot be legislated; they must be lived. No document can substitute for the attitudes, decisions and actions that make up the fabric of our life and work. Therefore we...CLICK HERE TO DOWNLOAD
Our vision for every child, life in all its fullness; Our prayer for every heart, the will to make it so.CLICK HERE TO DOWNLOAD


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Soft drink giant, Pepsi has launched a campaign, which gives an opportunity to young fans of the Indian Premier League to experience live all the thrill and action at various venues in the United Arab Emirates.
In an innovative promotional campaign – The Epic Trailer – Bollywood star Ranbir Kapoor has been shown to have "bagged an epic career opportunity as @ThatPepsiIntern, before he was fired"!
Ranbir's early exit opens up an opportunity for all the young fans to experience the thrill and action live at IPL.
The trailer reveals some of the exciting things the upcoming @ThatPepsiIntern will get to experience at the cash-rich event.
As many as 15 lucky fans will get to try their hand at this job and three of them will also get a chance to go to UAE for the IPL matches.
@ThatPepsiIntern will generate exclusive content from the IPL and will be the link between the fans and celebrities, thereby bringing the IPL experience alive for the fans.
Through @ThatPepsiIntern, fans can directly interact with or send their message across to celebrities. They can ask @ThatPepsiIntern to complete unique tasks for them in the stadium and even win tickets to the matches through contests.
Commenting on this development Ranbir said, "I am heartbroken that my stint as the awesome @ThatPepsiIntern has come to an end. I had a blast and enjoyed myself to the fullest; obviously worked a bit too.
"I am sure whoever is the next @ThatPepsiIntern will be blown away by the opportunities that they will encounter once they get into my shoes."
For all the latest Entertainment News, download Indian Express App


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Saddle Stitch
30 pages
Nov 2004
Crossway Books
Review | Author Bio | Read an Excerpt
An ideal guide to choosing a translation of the Word that transcends trendy words. In the process, he implicitly indicts those who settle for less. Marvin Olasky, Editor-in-Chief, World Magazine
A masterful and convincing argument for literal, that is to say, transparent translation of the Holy Scriptures. Dr. J. I. Packer, Professor of Theology, Regent College, Vancouver, B.C.
Book Jacket:
Of the many Bible translations available today, are some better than others? If so, what criteria can we use to determine what makes a good translation? Leland Ryken introduces readers to the central issues in this debate and presents several reasons why essentially literalword-for-wordtranslations are superior to dynamic equivalentthought-for-thoughttranslations.
You dont have to be a Bible scholar to recognize the need for a quality Bible translation. We all want to know that the Bible we read, study, and memorize is faithful to the original. Dr. Ryken tackles this issue and breaks it down in this concise, logical, and straightforward book, giving readers a valuable tool for selecting a Bible translation.


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It was D Day for Lee -- time for a heart to heart talk with the new embattled about his future.
"It's an opportune time for the mayor, and I would say this for any elected official and any department head, if they are so distracted and I see that happening, I would ask them to consider making a personal decision of their own," Lee said. "I don't want to put pressure on the sheriff; I think he's got enough."
But there is no doubt the mayor wants Mirkarimi to take a leave while he fights charges of domestic abuse.
Mirkarimi says the afternoon meeting in the mayor's office was cordial. He said the mayor did not ask him to step down, nor did he offer to.
"At any time I am putting in well over 40 hours a week here in the office; it's not a straight 8-5 job, and I make sure that at any time that I'm attending to issues that are not job-related, I'm back here," Mirkarimi said.
Monday, a judge scheduled the trial to begin Feb. 24. The mayor questions how Mirkarimi can balance his legal case and duties of the department.
"Clearly the trial date has already been set and I think all the proceedings leading up to that are going to be numerous, they seem to be, every week there's more steps to be taken so I think the distraction is there is pretty heavy already," Lee said.
While the sheriff is refusing to step aside, he is willing to make concessions.
"At any point where I am focused, where my time is in the trial, that I think it's only principled that I would not take pay while I'm in trial, absolutely," Mirkarimi said.
Mirkarimi also said he would recuse himself from any disciplinary cases that the sheriff would conduct. There are about six of those cases each year.


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Kingston & Richmond SEND Family Voices
Giving families a voice...
Kingston & Richmond SEND Family Voices are a volunteer parent-led charity, formed in June 2014, in response to the opportunities offered by the SEND reforms; these are the changes in law which aim to create equal partnerships between families of children and young people with Special Educational Needs & Disabilities (SEND) and the professional services.
The SEND reforms radically change the approach to working with families of children and young people with Special Educational Needs and Disabilities. They place the child or young person at the centre – ultimately this means their experiences will be of a system which is less confrontational and more efficient. In Kingston & Richmond, there are nearly 7000 families of children and young people with identifiable needs – of these, around 2000 receive additional funding to support them in school. With such an overhaul of a system that has been in place for 30 years, these changes are going to take time to become truly effective and this means that EVERYONE - families and professionals - are learning and developing as we go.
What we do
We bring people together into a community to improve services, share support and strengthen our common voice. By ensuring families are heard, we aim to empower children, young people and their families to obtain the best possible care and services. We work independently from, but in partnership with the providers of children's services.
Data Protection Notice on Cookies. We use cookies; they capture how many 'visits' each page of our website receives. That's it. We'll assume that you are happy to receive all cookies as you continue to use this website (including those from third parties should you click on any links we have included). For more detail, please go to our Policies page (under Documents & Links).


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Best Mortgage Lenders of 2018 for Low or Bad Credit Score Borrowers
NerdWallet offers financial tools and advice to help you understand your options and make the best possible decisions. The guidance we offer and information we provide are deeply researched, objective and independent.
We spent over 400 hours reviewing the top mortgage lenders before selecting the best for our readers. We've picked at least two lenders in several "best of" categories to help you find a lender that meets your needs.
Even if you have a low credit score or bad credit, getting a mortgage doesn't always have to be out of reach. You may have to look around for an appropriate lender, and you could end up paying more for your home loan. But with the right lender, you may be able to find a mortgage that meets your financial needs and doesn't bust your budget.
» MORE: Improve your credit score
NerdWallet has picked some of the best mortgage lenders for borrowers with low credit scores in a variety of categories so you can quickly decide which one is right for you.
Best overall mortgage lenders for borrowers with low or bad credit scores
These lenders have programs to help borrowers with low credit scores find a mortgage and buy a home.
- Specializes in loans to borrowers with lower credit scores; minimum score 550 in some cases
- Offers down payment assistance programs through housing authorities in some states
- Requires online education course for borrowers
- Carrington Mortgage review
- Uses manual underwriting to evaluate borrowers, which allows more flexibility to approve loans
- Offers a broad range of loans, including FHA, fixed-rate and adjustable-rate mortgages; minimum score 580
- Offers multiple down payment assistance and grant programs
- New American Funding review
Best online mortgage lenders for borrowers with low or bad credit
These lenders offer a smooth and convenient mortgage experience for borrowers with low credit scores looking for the fastest, most automated way to get a home loan.
- Provides full online service, including a mobile app, for application and loan tracking
- Automated verification of income and other financial details cuts time and effort from the process
- Gives a loan decision in minutes.
- Rocket Mortgage review
- Offers conventional, jumbo, FHA, VA, USDA and ARM loans
- FICO score minimums: FHA loans – 580; VA loans – 600; conventional loans – 620
- Loan origination fee: $795
- J.G. Wentworth Mortgage review
Best mortgage lenders for buyers with a low or bad credit score who want customer support
Getting a mortgage is a complicated process, and sometimes borrowers need help. These lenders can help those with low credit scores who want the human touch.
- Carries broad selection of purchase and refinance loans, including FHA, VA and USDA
- Offers online experience backed by comprehensive customer support setup
- Charges no lender fees
- Network Capital Funding Mortgage review
- Offers fixed- and adjustable-rate mortgages, conventional, jumbo, FHA, VA, USDA, reverse mortgage and renovation loans
- Minimum credit score: 550 for government-backed loans
- Licensed in all 50 states; branch locations in 30 states
- HomeBridge Financial Services review
Best refinance mortgage lenders for borrowers with low or bad credit scores
If you're considering a refinance, these lenders offer access to a variety of loans and programs.
- The largest FHA lender in the nation
- Has a 1% down payment program for qualified buyers
- Minimum credit score of 620; 580 for FHA loans
- Quicken Loans review
- A national lender with nine branch locations in four states
- Get a no-hassle mortgage comparison by filling out an online form. A loan officer will respond within two days.
- Considers alternative credit data when underwriting
- Connexus Credit Union review
Best mortgage lenders for buyers with low or bad credit scores who have a low down payment
The down payment is one of the biggest roadblocks for all mortgage borrowers. These lenders offer low down payment mortgages and can help people with a low credit score.
- Offers full line of purchase mortgages, including FHA and VA loans
- Has low down payment options that don't require private mortgage insurance
- Available in all 50 states
- CitiMortgage review
- Provides full array of mortgage loans and services
- Uses underwriting model that allows greater loan flexibility
- Requires some affiliation with armed forces or Defense Department, or membership of a relative
- Navy Federal Mortgage review
Summary: best mortgage lenders for borrowers with low or bad credit scores
- Best for online experience: Rocket Mortgage
- Best for online Experience: J.G. Wentworth
- Best overall for borrowers with low or bad credit scores: Carrington
- Best overall for borrowers with low or bad credit scores: New American Funding
- Best for customer support: Network Capital Funding Mortgage
- Best for customer support: HomeBridge Financial Services
- Best for refinance: Quicken Loans
- Best for refinance: Connexus Credit Union
- Best for low down payment: CitiMortgage
- Best for low down payment: Navy Federal Credit Union
More from NerdWallet
Mortgage calculator
Compare mortgage rates
Tips for finding the best mortgage lender
NerdWallet's selection of mortgage lenders for inclusion here was made based on our evaluation of the products and services that lenders offer to consumers who are actively shopping for the best mortgage. The six key areas we evaluated include the loan types and loan products offered, online capabilities, online mortgage rate information, customer service and the number of complaints filed with the Consumer Financial Protection Bureau as a percentage of loans issued. We also awarded lenders up to one bonus star for a unique program or borrower focus that set them apart from other lenders. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.


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After less than a month on the market, as first revealed in the L.A. Times, veteran actor and hardcore environmentalist Ed Begley Jr. sold his famously eco-minded 1940s ranch-bungalow in Studio City (CA). The solar-powered property is unusually humble by Tinseltown standards with 2 beds and 1.5 bathrooms plus a studio-style guesthouse and includes a built-in charging station for electric vehicles and extensive raised bed kitchen gardens. The property went for $1,025,000, a figure otherwise understood as $65,000 more than the $960,000 asking price and 3.7-times the $275,000 Mister B. Jr. paid for the place in 1988.
Listing photos: Berkshire Hathaway HomeServices


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Every semester, some of our students are in other countries taking classes at colleges and universities around the world.
We encourage and support students who wish to study abroad. The Art department offers yearly international trips to introduce students to an increasingly global world of art. Recently, students and faculty traveled to Costa Rica to study printmaking and photography. International travel, internships, course credits and exchange programs are also available.
Students wishing to study abroad must go to the OFFICE OF INTERNATIONAL EDUCATION AND DEVELOPMENT to begin the application process.
Before leaving the country, you must get pre-approval from the faculty who will evaluate coursework completed during your time away. The International Education and Development form for pre-approval of international study courses should be used. A list of faculty advisors who are responsible for pre-approval is available here. During this first meeting, any additional requirements will be determined in discussions with the faculty member/s who grant pre-approval for coursework taken overseas.
Description of courses (and syllabi, if available) for which a student seeks transfer credit should be submitted before receiving pre-approval for courses taken abroad.
Some degree programs or studio concentrations may require, in addition to transcripts, syllabi (if available), images, sketchbooks or actual artworks completed while studying abroad. Any additional requirements will be determined in discussions with the faculty member/s who grant pre-approval for coursework taken overseas. Form JF must be completed and filed with the pre-approval form from the Office of International Education and Development before leaving to study abroad.
Fall study abroad: Form JF must be completed by February 15
Spring study abroad: Form JF must be completed by September 15
Upon the student's return to ASU, transcripts documenting successful completion of the course/s and must be submitted to the International Study Abroad Office. Art majors must receive a C or better for course work to be used toward their major. Art minors and those taking art electives must receive a passing grade for course work.
Upon return it is the student's responsibility to meet with the faculty advisor who gave pre-approval to receive final approval of their coursework and complete Form JF. This form should be filed in the Art Office and the Office of International Education and Development.