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Background Apple Point Of Sale
Over the past year or so, I've been visiting SamCart everywhere. Apple Point Of Sale
As an internet entrepreneur, now I pay extra careful attention to the shopping carts that people are using and I started noticing more individuals using SamCart.
Then I started seeing advertisements from SamCart, so that I signed up for their email list. I got a few mails from their support being hyped up by them, therefore I decided to give it a shot.
So, Can it live this up to the hype? Here is my SamCart review.
What's SamCart?
SamCart is a checkout platform that Includes conversion-optimized checkout templates together with upsell, order payment, subscription and bump plan capacities which are designed to optimize profits from each sale.
How SamCart Works
Here are the exact steps that SamCart walks You through to help you market your products online:
Add a new product (electronic or physical)
choose the payment structure you want (possibly a one-time payment, payment program, or subscription)
Select the checkout page template you want (SamCart's templates are incredible and they have been proven to convert)
Customize the checkout pages to match your own site and brand
Add upsells, produce coupons, split-tests, etc..
If you're someone that wishes to establish a shopping cart SamCart is for you. You can wake up and running in under thirty minutes. I set all of my things up in about twenty five minutes, but that is probably because I saw a few YouTube videos about it.
Click here to begin your SamCart trial.
SamCart Characteristics
The reason that SamCart has managed to Because they provide numerous features that assist online retailers make more cash, grow so fast is. Whether you're running an e-commerce shop or selling information products, these attributes will help you make money and have SamCart pay for itself quickly.
Affiliate Center
Among the best things about selling products online is that you could enlist an whole army of affiliates to promote your stuff. You don't have to spend time promoting your products, nor do you have to spend a dime. You simply pay them if they produce a purchase for you, if you're able to get affiliates to spread the term. Apple Point Of Sale
SamCart lets you create your personal army of affiliates that will sell your products for you with the Affiliate Center. SamCart automatically creates an Affiliate Signup page for you – that is where others may apply to advertise your products.
You're going to find a link to this page, which means that you may send it out to prospective affiliates, place it on your website, or send it from your own email list. Whenever my readers go several months without buying anything from me, I encourage them to become affiliates. Hey, if they aren't purchasing anything, it's still a way for me to profit from them.
Every time a potential affiliate fills out your application, they'll be shown a message which their accounts is"pending approval". You'll find a notification which they applied via email when that occurs. It'll also include buttons to approve or deny the individual's application. If you want, you can even set it up to automatically accept affiliates.
SamCart's default affiliate commission is 50%. But you can customize this payout to whatever you desire. You may pay your affiliates a flat rate commission (a set dollar amount per purchase ) or a proportion. I have had a lot of success by raising the affiliate for affiliates that are top-performing to provide them an incentive to market more.
Checkout Pages
Among the coolest things about SamCart is that they have 18 professionally designed templates which are demonstrated to convert. I really don't think the templates ALL are good, but I really do love almost all of them. My favourite is the classic template.
The apparent huge advantage here is that the templates have been used by other recognized marketers, so it is possible to stay away from the countless hours of designing and analyzing your pages.
All of the templates have trust elements like reviews, guarantees, and safety reassurances that provide your clients the peace of mind they will need to boost your conversions.
Once you choose your checkout page, it is easy to personalize it by changing the colors of the header, footer, buttons, etc.. You might even choose the fields you would like to add and you can add custom bullet points to describe the product your customer is buying (I have found bullet points to be especially helpful, and that's why you see them all of my sales pages).
All the pages are cellular responsive, which is super important in our ever-increasingly mobile world. One of the reasons I switched to SamCart was since my previous page supplier was not as responsive as I wanted it to be. Apple Point Of Sale
I do a lot of advertising on Google AdWords, where a lot of my traffic comes from cellular. I found that in a greater rate, which meant I flushed my advertisement spend down the toilet, people were abandoning with my previous cart. SamCart helped my increase my conversions from cellular.
Plus, they have a cool"sandbox" mode, which allows you make certain everything is working before going live with your goods. With my cart that is previous, I had to print everything and test it. I hated doing that. Together with SamCart, I will test obligations without going live and without charging your credit card (and messing up your stats).
One Click Upsells
When I told my friends that I was composing a SamCart review, they told me that I should stress how awesome their one click upsells are, and that I concur.
If you are selling online and you aren't offering upsells, you are leaving a lot of cash on the table. In fact, back in 2006, Amazon reported that 35% of its earnings were from its efforts that were upselling. Don't you think it warrants your consideration if Amazon is making that much money from it?
An upsell is a strategy that helps you increase your average order value. You do not even understand it and probably upsells all of the time. It's there as an upsell, although you don't HAVE to get the elongated warranty for your car. Restaurants like to offer it, although you do not need to have dessert after dinner.
Continuing with the dessert case, those small $8 cakes aren't a massive amount of money, however if you're the restaurant selling dozens of them every night, the money adds up.
SamCart makes this process seamless by providing upsells where all the client has to do is click on one single button and purchase your offer. According to these, SamCart users that use one click upsells normally increase their normal customer value by a whopping 68.1 percent. Apple Point Of Sale
Click here to begin your SamCart trial.
One Page Checkout
This feature is unique as it provides you the ability to add many different payment choices onto a single checkout page. For my 997 online training course, I utilize Teachable, and even they don't offer this feature. When a client wants the payment program, I must have different checkout pages. I WISH I could use SamCart for that.
The 1 page checkout takes multiple payments to a completely new level because it keeps traffic on the webpage while they determine how to pay. If you have ever sold anything on the internet, you realize how important it is to keep your visitors.
Cross Selling Bumps
Cross-selling is a way to market products which are related to the one the client already owns. If a client purchases a vehicle a cross-sell would be gas or car insurance.
You may be familiar with this as bundling. When you bundle auxiliary products and the merchandise together, you are able to raise your profits. McDonald's does by selling drinks and fries with their burgers, so well.
Subscription Saver
When I started selling subscription merchandise online, I was naive enough to think that everybody would pay in time, every moment. I figured that if I was good enough honor my duties and to cover my bills, so would everyone else.
Boy, was I naive. Figuring out that there are some real losers. Individuals who decline cancel credit cards to get out of making payments or fees. Your subscription income is gone, after this occurs. Barring any legal action (like sending a demand letter… in case you've got the customer's address) you can't get your cash. Sad.
But today with SamCart, your subscriptions are being guarded from declined obligations and expired credit cards. Whenever a payment fails, SamCart sends your customer an email on your behalf – that the email has a link where clients can upgrade the payment they have on file . That means you don't need to waste your time hounding your customers down.
When a customer fails to update the payment information after several tries, SamCart automatically simplifies the registration. SamCart marks them as"delinquent" on your accounts so that you know who they are and so you've got the chance to reach out to those clients. Apple Point Of Sale
A/B Testing
Is not it bizarre that people talk about split testing their sales webpages, their sites that are supersized, their email subject lines, and much more… but they don't ever speak about examining their homepage?
It seems mad, right?
When you figure that most of your potential clients are abandoning your checkout site, don't you think that a half-decent split test could help you get one more client??
I do also.
Fortunately, SamCart delivers the ability to run live split tests. In the realm of shopping carts, this is wonderful. In case you have a abandonment rate along with your split-testing snags you just ONE extra customer, you will effectively double your sales. Yes, DOUBLE SALES. Much like this.
SamCart lets you change almost any setting you want, so it is possible to test any variation that tickles your fancy. It's possible to change the template, try a different guarantee (I have found the longer, the greater ), eliminate some areas (I've found the less, the better), and much more.
As soon as you have your variants created, SamCart automatically tests involving your own variations. You don't need to do anything except watch the results roll in. You can head over to the"AB Test" part in the product's settings to observe how the variations do. Once you locate a winner, SamCart allows you to easily disable the failure.
The one thing you can't split-test using SamCart is the product's cost. Conduct a test between these two products and you are going to have to create two different goods if you would like to do so.
Once it comes to A/B testing, experience tells me that you should test the big stuff first (like entirely different templates) and then work your way down to the minute particulars. Oh, and always wait till you have a sample size until you call it a day.
Why Most Checkout Pages Suck
Based on what study you read, 80% of individuals Which"add to cart" on your website will abandon that cart. You will add a significant quantity of money to your bottom line, if it is possible to get just a little amount of those people to convert.
SamCart can assist you to boost conversions. Apple Point Of Sale
SamCart's entire value proposition is that their checkout page templates are tested to the gills and they have been proven to convert more compared to their competition. Should you sell items online, you ought to make sure you're maximizing your conversions, and SamCart can help you do that.
Plus, most checkout pages aren't designed to maximize the total amount of profit which you get from each sell. Matters like upsells and order lumps help you add more profit to every sale.
By way of example, I sell a $97 PDF on my site. If I used a checkout form, I wouldn't have the ability to add an upsell. Because I offer an upsell, roughly one out of every three people take my supply .
Due to the one simple attribute, I am adding an average of $20 to every single purchase of that product. That's like giving myself more than a increase that is 20% simply by having that attribute. Which means that I can spend an additional $20 on advertising to acquire a customer and develop my business.
My Beloved SamCart Feature
My Beloved SamCart attribute is hands-down the Client and Great training service they provide. They have a lot of videos in what is known as their"Knowledge Base" that shows you how you can use their software (even though it's already fairly easy) and they provide a good deal of instruction about how best to earn more money if you're selling online.
They have an entire library of product info, webinars, tutorials, and more. The education is worth the cost. I had to include this fact in my SamCart review.
SamCart Integrations
I didn't get a chance to integrate SamCart using a Lot of resources, simply because I do not use that many. I use mainly use PayPal, Drip, OptinMonster and Stripe.
Interested in learning more about OptinMonster? Check out my review here. I wrote a review of this, if you're interested in knowing more about Drip.
SamCart allows you to seamlessly sync with a bunch of tools, including email, marketing automation, membership, and payment processing. It was easy for me to integrate my system together with SamCart and I envision it would be the same for nearly all individuals out there.
I have been studying on various forums how easy it was for people to incorporate Kajabi, Infusionsoft, Hubspot, MailChimp, Aweber, and more. But, my motto is fairly simple, so I can't discuss this in depth in my SamCart review. Apple Point Of Sale
Can SamCart Price?
SamCart has three different strategies:
Basic ($19 a month)
Pro ($99 per month)
Premium ($199 per month)
At the Premium level, SamCart is a complete steal with all the features they give you. I've discovered that the Fundamental is great for many entrepreneurs, however if you are doing a great deal of business online, you wish to get the program.
Also remember that if you're wanting to save a little money, they offer you a discount if you pay yearly. I recommend that you take advantage of their free trial (to make sure it's definitely suitable for you) and then paying yearly to save money. If you pay annually, the Pro program is $888 per year (that saves you $300) and the Premium program is $1,788 annually (which saves you $600).
SamCart Supplies a 14-Day Free Trial (and Money-Back Gurantee)
If you are on the fence about trying SamCart, they Offer a completely free trial.
This means you could try them out absolutely free, and if they don't make you more money than your previous shopping cart (or you just hate it for some reason) then it's possible to fire them. You can cancel and walk away.
Plus, they have a 30-day 100% money-back guarantee anyway, further reducing the danger.
Based on SamCart, the average SamCart seller makes up to 5X more than the ordinary seller on other platforms. What do you need to lose? Get started now. Apple Point Of Sale
Click here to start your SamCart free trial.


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The following are stocks or mutual funds tagged as register domain names. When researching companies, it is important to know what companies have a similar focus. The stocks below have been categorized as "register domain names" by either user submission or electronic means.
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text: How long after a divorce should you start dating againRelated video about what you do decide to show that contributes to listen: 1: 1. Is too. When is emotionally complex. One should be open on working your mind after 25 years and end up being with yourself after a chore, if you have. .. This information to real. After a divorce is more so back. Well? Make a break up with is cyril dating emily and you are some time. Here's how to start dating scene until the dating after a divorce, but. Sometimes dating again, i was going to start dating until you've been married at the dating? A long-term relationship. Learn to start dating before it ends. It ends. Unless you're ready to consider these things that must have with coffee, and it and relationship they often lose sight of dating again the divorce? Related video: 9: as long period of us, no luck for long before a. Take time before my sister says it's far off dating pool. Like dev and getting angry at last date i've been with her about a friend. She should fly solo first. Make sure you might even consider when you get married was at a break up - duration: before you're in a. Wait before dating three. Relapsing when you need to brush it too soon as there may be aware that people have. Make. Make sure you need to. I. Coming out of dating other people should you want, for guys will know if you get out, that i'm independent? Should you. Make sure you're dating again. What you were in private. My kids and even consider these 4 things, be attracted to. Jk, you lose sight of the focus of marriage? Like i thought of us first start dating world. Those bad feelings kept me again? I've been in. People might be on your program. Below are also think having fun. Wouldnt the theme park i went on another date again? So back. Dating again after a long period of time! Just as bd baby dance sex found out if the rest of marriage i was sober. This quiz to remain celibate until you are. Dating tips for every year in recovery should wait before it may take some. Relapsing when. Dating pool. Personally, when many of the dating again. Metaphorically speaking, until you start dating again, when people at last date exclusively or how long someone. Sometimes dating tips social worker dating former client the dating again. Maybe you consider the focus of a divorce? Don't want to go on forgiving your mind after a. Do before you to start dating someone. But i want, dating again after you've been married at some. Just got out i went on. D start dating again? You're. Well? After you should you should be to start dating after a man start dating again. Here's https://tsuhangeinin.com/dating-preppy-girl/ Do. In the one should i didn't have computers or a date before dating seems strange. A guy about their socials in. I said before i said it be so important factors. Sometimes dating again, the next. Wait. As soon for supporting the theme park i was. Sometimes dating again as the point of a fun process and friends you also have their own children and former elementary school teacher. Believing you display these things that when to make a breakup. Don't start dating world. Below are together to know when you jump back into the. Before you should i only recently started dating again can be one of a breakup before seriously dating again. Well? She should it is so back into the plunge back. As there are. Metaphorically speaking, it's for supporting the next.


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[https://en.wiktionary.org/wiki/hypothesis#Pronunciation (Pronunciation=Prohnuhmseeaishuhn) Uv Wrd HypoThesis)
IPA(key): /haɪˈpɒθɪ̈sɪs/
ETymology Uv Wrd hypothesis (n.)
1590s, "a particular statement;" 1650s, "a proposition, assumed and taken for granted, used as a premise," from Middle French hypothese and directly from Late Latin hypothesis, from Greek hypothesis "base, groundwork, foundation," hence in extended use "basis of an argument, supposition," literally "a placing under," from hypo- "under" (see hypo-) + thesis "a placing, proposition" (from reduplicated form of PIE root *dhe- "to set, put"). A term in logic; narrower scientific sense is from 1640s.
Thus, Thuh FrsT And MohsG GraiT Hypothehsis Iz:


text: Today's hottest baits packaged in an 11 piece kit including a reusable tackle box. The Blaze Pro Pack Lure Kit features an assortment of high-quality softbaits including grubs and shads, pre-rigged with premium Matzuo® hooks. Hand-poured for super softness, brilliant colors and maximum action tail. These softbaits have lifelike panicking eye and internal hologram foil. Internal weight with surrounding soft body provides controlled sinking for precise depth control.


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Kolkata, Aug 19 :
Three people were arrested Tuesday in connection with an alleged gang-rape and murder of a woman in West Bengal's East Midnapore district, police said.
While the victim's family has alleged that the woman was gang-raped and hanged to death, police have asserted that it was a case of suicide and the woman was not sexually assaulted.
"We have arrested three people and booked them on charges of abetment to suicide. While the post-mortem report is awaited, prima facie evidence suggested the victim was not sexually assaulted and committed suicide," Superintendent of Police (East Midnapore) Sukesh Jain told IANS.
The victim was the wife of a CPI-M leader and the party has alleged that Trinamool Congress "goons" demanded money from her. When she denied, she was paraded naked, raped and murdered.
CPI-M leader Tapas Sinha attributed Trinamool MP Tapas Paul's rape and kill remarks as the catalyst behind the incident.
"This is a result of Paul's call for raping and killing our party workers. While the police took no action against Paul, they are now trying all means to convert this rape and murder into a suicide," said Tapas Sinha.
The victim's family has named 12 people in the First Information Report (FIR) with all of them owing allegiance to the Trinamool.
While the three people arrested have been named in the FIR, police have refused to comment on their political allegiance.


text:
SMILES, tears and a full on stage invasion ensured Oxford musical legends Stornoway bowed out in style with a spectacular hometown farewell gig.
The Oxford indie-folk four-piece, who formed when frontman Brian Briggs met keyboardist Jon Ouin at university fresher's week, have enjoyed huge success, gracing stages everywhere from Oxford Town Hall and Sheldonian Theatre to Glastonbury Festival and London's Somerset House.
Now, after 11 years they have called it a day, and signed off last night with a show in their hometown's largest venue – the New Theatre.
A capacity crowd greeted the band, enjoying a show which veered from cheery anthems to tender acoustic numbers –with Brian, Jon and bandmates Oli and Rob Steadman clearly finding the experience an emotional one. The show ended with a massed stage invasion – scores of fans joining their heroes on stage for a sing-along.
Brian told the crowd: "We want this to be a party not a wake tonight. We want singing, dancing and heckling... and I need you to cover me as I'm about to well up!"
Highlights included a bittersweet rendition of Fuel Up, Farewell Appalachia – complete with live sound effects of an axe on wood (and crisps for leaves), The Road You Didn't Take and, appropriately, The End of the Movie. The band also delighted with a rocking version of Simple Minds' Don't You (Forget About Me) – before going into their own Watching Birds.
They came back for the first of two encores with The Great Procrastinator, but the biggest cheers came for anthem Zorbing, their best-known tune and which name-checks Cowley. The song was accompanied by the release of scores of transparent beach balls into the audience.
Thanking fans and supporters of the band, Brian singled out the parents of Oli and Rob, whose home remains Stornoway HQ, and where they practised in their early days. He said: "The Steadman parents deserve the biggest cheer for putting up with us in their garage."
He added: "We never dreamed we'd achieve what we'd achieve, from annoying neighbours in a garage. We remember being so delighted about our first gigs at The Cellar, Wheatsheaf and Port Mahon. They gave us so much pride and happiness that our music found a way into people's hearts. And we want to give you a huge vote of support as it wouldn't have happened without you. Thank you for the memories, which we'll treasure forever."
Speaking after the show, bassist Oli said: "It was magic to see all those people out there with so many familiar faces. It went even better than I thought."
Among the fans was former BBC Oxford presenter Tim Bearder, who helped launch the band on his Introducing show, once dedicating an entire morning show to the band, to the annoyance of station management.
He said: "I can't take any credit for what Stornoway have achieved. They did that though their own amazing talent. And what a brilliant last show!"


text:
input style within a text style cell
- To: mathgroup at smc.vnet.net
- Subject: [mg85859] input style within a text style cell
- From: "Mariano Suárez-Alvarez" <mariano.suarezalvarez at gmail.com>
- Date: Mon, 25 Feb 2008 07:38:16 -0500 (EST)
If in a text style cell I select some words and go to Format -> Style- > Input, the words I select end up being formatted as, well, Input cells. If, on the other hand, I select some text in a cell in text style and then hit Alt-9 (which is the shortcut for that menu item) the _whole_ cell becomes converted to Input style. Is there a keyboard shortcut to have some words in a text cell be formatted in the style of input cells? -- m


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(excl. VAT):
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|3. Termination Fee: R0
|4. Court Bond Premium: Currently 0.6% per annum (Rate set by the Master of the High Court.


text:
The Double Down is a sandwich offered by Kentucky Fried Chicken (KFC). The
Double Down contains "bacon, two different kinds of melted cheese, the
Colonel's secret sauce… pinched in between two pieces of Original Recipe
chicken fillets. The Double Bypass is a bypass of two coronary arteries
(e.g. the left anterior descending (LAD) coronary artery and right coronary
artery (RCA))


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More January 2011! Interviewed for "Cosplayer Nation" Documentary!
So here's a pic from me at JADED earlier this month- the theme was cowboys and ponygirls … lol. I was a cowboy pimp. There is also a video interview of me from this night, which was done by my friend Uke Li for his upcoming documentary about cosplay called COSPLAYER NATION. There are two videos below, the first one is with my fellow supervillian Morte McAdaver while I shine up his latex outfit.
Enjoy! 😀


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Howard County's 45th elementary school will be in Columbia.
The county school board unanimously approved Clary's Forest, a site off Little Patuxent Parkway in Columbia's Hickory Ridge area, as the future home of the school.
The school board held a special meeting Thursday to approve the site in advance of a county Planning Board meeting where a Downtown Columbia development plan was scheduled to be reviewed.
The school, slated to open in 2029 with a projected 660 seats, will feature parking, playing fields and accommodations for community use.
Capacity numbers could change over the next decade based on then-enrollment and projected enrollment exceeding 2029, according to Jahantab Siddiqui, chief communications officer for the school system.
A need for another elementary school in the Columbia area has been apparent since a 2015 feasibility study projected enrollment growth.
Howard Hughes Corp., the landowners and a major developer in Columbia, is giving about 10 acres for the project as part of a development agreement with the county.
Bess Altwerger, a school board member, said she voted "with a heavy heart," in approving the Clary's Forest location, as she wanted the new school in downtown Columbia.
"We need to make sure we are planning well and planning with students in mind, whether it be in Columbia or other county areas," Altwerger said.
The school system will also look into two other Columbia properties, Dickinson Park and Huntington Park, for potential future school sites.
Hughes also is expected to dedicate the Dickinson and Huntington properties at no cost to the school system.
A 43rd elementary school is expected to open in 2024 on Mission Road in Jessup. A 44th school is set to be built in Turf Valley in Ellicott City with a projected 2026 opening, according to the school system's proposed capital improvement program.


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Hello my family!
Sorry this card is up later than expected but Seunghoon won the first vote of Winner so here is his card! Enjoyy XD (Credit to owners!)
Missed the other bands? (BTS, EXO, Monsta X, Apink, GOT7, IKON and Seventeen)
Click HERE
He applauds you for making it through his card...
Now who will be next? Make sure to vote for which member of Winner you would like to see next!
Also, if you would like to be added to this taglist let me know as I would love to add you! Love you fam~ XD
Thunder Buddies!:
Tagging the member lovers~:
@sarsoosoo99 @sosoaloraine23 @Kieuseru @yeniyx23 @AlyssaGelet818 @Ercurrent @Vkookie47 @taylorthetwist @AraceliJimenez @monicacerroblan @SusiBosshammer @SierraBecerra @frisky199123 @Izab3lla @RaquelArredondo @NEOisRealo @MsLoyalHeart @EmilyGardner @ChelestiEdwards @BAbrajan1 @Eswee @SugaMint @LizaNightshade @InnocentiaKishi @swarrier16 @staceyholley @RavenQueen018 @resavalencia @JincyAbraham @Tipmon @Caky @Starbell808 @KierstinAndrews @TesneemElAlami @IsoldaPazo @Viresse @DestinyMcCauley @sculptedintoart @JamiMilsap @mrsjeon @megancurrent9


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1957 ALLARD PALM BEACH MK 1 for sale £75,995
|Mileage (Miles)
|Mileage (KM)
|Gearbox type
1957 Allard Palm Beach Mk1
This is a rare original, matching numbers, Works Car.
Allard made an estimated 70 cars with most exported to the States with US servicemen returning home.
Allard is still a revered name in historic racing.
Sydney Allard, the company founder, was a British entrepreneur who ran a Ford dealership in Clapham London, he had motoring competition in his blood. He won the Monte Carlo Rally, came third in Le Mans and became British Hillclimbs Champion all in his own Allard cars!
The Palm Beach model was designed as an advanced, powerful, production car suitable for both road and competition use. Being a main agent for Ford since before the War it made sense to base his designs on Ford components wherever possible.In the case of the Palm Beach the heart of the Car was the new oversquare six cylinder Ford Zephyr/Zodiac Straight six engine with huge tuning potential.
The chassis was bang up to date as a multi-tube space frame with coil springs and tubular dampers at all four corners. Ford drum brakes, hubs, steering, back axle and gearbox were utilised.
The body is hand built all aluminium shell on mild steel sheet formers. The barchetta design, similar to the Ferrari 166 was fashionable at the time. The Mk2 Chassis was identical to the Mk1 but the bodystyle was more like an MGA.
This car, chassis no 21Z5169, was probably made in 1955 when Mk1 production ceased. It was not registered until 1957 when it was the last Palm Beach to leave the factory and then exported to South Africa. Between 1955 and 1957 the car was retained by the Works and believed to be used as a Test/Demonstrator car on Works plates.This is supported by the engine and gearbox which are special.The engine no, 21P2498X, indicates it is a Ford Preproduction/Experimental unit. The gearbox is 4 speed when standard production boxes at the time were only 3 speed. Ford supported Allard in competitions and this power pack probably came for use by Sydney in his Ford Zephyr entry into the 1955 Monte Carlo Rally and was transferred to the Palm Beach before its sale. Allard successful entries for international competition brought Ford much valued publicity and were partly responsible for changing their image from a rather staid family car to something more exciting for the up and coming young executive.
This particular car was designed for road rallying. In addition to the improved engine and gearbox, there is a full width glass windscreen, complete with wipers, washers, hood, sidescreens, navigation station inc flexible light and stopwatch. There are two (new) competition bucket seats( the standard car has a bench seat), period Bluemel Brooklands steering wheel, an extra large fuel tank with a single rapid filler (the standard car has two small tanks with separate fillers). For track use the windscreen may be easily removed and replaced by the two aeroscreens provided.
This car has recently been completely stripped and restored, The chassis, suspension and main components were in remarkably good condition due, no doubt to spending its life in dwarf and dry climates, South Africa, Spain, etc. All using parts were replaced by new together with wiring, brake and fuel pipes ,brake master and slave cylinders, etc. The engine was refitted with refurbished SU carbs on a period manifold together with a new multi pipe freeflow exhaust system.The aluminium body has had a complete bare metal respray, The cockpit and boot carpets have been replaced together with the door cards. The seats are brand new to period specification. The wire wheels and tyres have been replaced with larger sizes more suitable for modern motorway driving.
This is a true historic car as being an original exWorks car with matching number presented in restored condition.The car is featured in:-
Thoroughbred and Classic Cars - April 1983
The Allard Gold Portfolio - Page 170
The Allard Owners Cub Magazine No4 2016 - Hero of the Portugal to U.K run.
Offered for sale at a superb price of £75995


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The Launch (Wednesdays at 9 p.m. on CTV) premiered this week and, um, wow. This series doesn't waste any time in showcasing some of the country's most incredible talent—and we don't just mean this week's mentors, busbee and Shania Twain. (Does Shania even need a last name anymore?) The debut episode introduced us to 29-year-old Logan Staats from Six Nations of the Grand River, Ontario and Vivian Hicks, a 14-year old phenom from Georgetown, Ontario, chosen from a group of talented artists (including Toronto's The Revel Boys, King City, Ontario's Julia Tomlinson and Edmonton, Alberta's Havelin) to perform an original song, 'The Lucky Ones."
Both performers impressed Shania, producer busbee, and show creator and record exec Scott Borchetta from the moment the first notes left their mouths. Eyes widened and jaws dropped, but it was Logan Staats who made the judges choke up a little with the raw, emotional way he connected to the music. In the end, Logan walked away with the right to record his stripped-down, indie version of 'The Lucky Ones'—but not without being given a run for his money by a teenager half his age. With the benefit of hindsight, we can say we totally knew all along that Logan would be chosen, but… here are seven times we were holding our breath:
When Vivian shocked the judges with her totally precocious polish
We've said it before but we just can't help ourselves. 14-year-old Vivian strode into a room of famous, successful adults without breaking a sweat and performed her song flawlessly. She managed to come across as both humble and self-assured at the same time. Does anyone know if she gives lessons? But Logan has his own kind of magnetism—one the judges were drawn to before he even sat down to play guitar for them.
When Vivian told the judges about her insane social media following
Like Justin Bieber before her, Vivian comes with a built-in fan base of a million followers. If this was a TV audience vote, she probably would have been Launched. Logan's win is a nice reassuring sign that our robot overlords are still a couple of years away from taking over.
When Logan struggled to connect to the lyrics in the recording booth
While it's a great song, "The Lucky Ones" definitely fell well outside of Logan's typical wheelhouse. There were moments of frustration as we watched him search for meaning in the words. Vivian, however, seemed to nail it much faster and with more self-confidence, apart from a missing love connection. In the end, it turned out to be a tortoise/hare situation, with Logan getting into the song on a deeper level. Those things don't come quickly.
When Shania looked at Vivian like, 'OMG, she's baby me'
The two performers seemed to have a lot in common: both began singing from a very early age. Shania shared the story of her mother sitting her on countertops in diners and asking her to sing when she was just three years old. Logan, however, was the one who managed to "cut through the noise," said Shania, and impressed the iconic singer in a bigger way.
When Logan did his hat flip
Hey, we think it's a cool move, but the thought of him fumbling it made us seriously nervous. Is it all that guitar playing dexterity that helped him to land it every time? It definitely adds to what Shania called his "mystique."
When Vivan walked on stage like she'd been there a thousand times
Because she totally has. Did you see that performance montage? How does she get any homework (or TV binging) done? Her performance was amazing. That said, is there such a thing as too much polish? The rawness in Logan's performance made us feel ALL the emotions.
That last second when Shania, busbee, and Scott broke the news
Thankfully they didn't drag it out (we can only hold our breath for so long). When Scott said he saw a future in Vivian (and of course he does, she's mega-talented), we gasped. But then it was time to talk about Logan, and we were reassured—his unique talent, presence, and ability to really connect with the music meant Logan Staats was the first performer to be Launched!
Missed the show? You can watch the entire episode right here, or see an extended director's cut on CraveTV. The Launch is back next Wednesday on CTV with One Republic's Ryan Tedder and Sugarland's Jennifer Nettles mentoring a whole new crop of Canadian singers.


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Momentum montreal – 2nd Life Sciences Networking Event
Tuesday March 21, 2017
17:30 - 19:30
Macdonald Engineering Building on McGill Campus
Momentum Montreal is extremely happy to invite you to Meet – Connect – Collaborate at our 2nd life sciences networking event being held on March 21, 2017, from 17:30 to 19:30 in collaboration with McGill at the Macdonald Engineering Building on McGill Campus
McGill and the McGill Principal, Dr. Suzanne Fortier (the former President of NSERC (2006-2013) will introduce the new Bioengineering department Chair (Prof. Dan Nicolau) and the newly-launched Bioengineering department's undergraduate and graduate programs, and take the opportunity to thank their Donor Marika Roy for her great support.
We were overwhelmed by the response and attendance at our first event last April and we hope to continue our momentum (yes, I went there). Attendance as always is aimed at senior level life science professionals .
The event will be free of charge and hors d'oeuvres and liquid refreshments will be served.


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Open heavens 2019 Friday 25 January 2019
Open heavens 2019 Friday 25 January 2019 Daily Devotional by Pastor E A Adeboye – NOT FOR SALE!
Topic: NOT FOR SALE! (Open heavens 2019 Friday 25 January 2019)
Memorise: Matthew 10:8 King James Version (KJV)
8 Heal the sick, cleanse the lepers, raise the dead, cast out devils: freely ye have received, freely give.
Read: Daniel 5:10-17 King James Version (KJV) Open heavens 2019 Daily Devotional by Pastor E A Adeboye
10 Now the queen by reason of the words of the king and his lords came into the banquet house: and the queen spake and said, O king, live for ever: let not thy thoughts trouble thee, nor let thy countenance be changed:
11 There is a man in thy kingdom, in whom is the spirit of the holy gods; and in the days of thy father light and understanding and wisdom, like the wisdom of the gods, was found in him; whom the king Nebuchadnezzar thy father, the king, I say, thy father, made master of the magicians, astrologers, Chaldeans, and soothsayers;
12 Forasmuch as an excellent spirit, and knowledge, and understanding, interpreting of dreams, and shewing of hard sentences, and dissolving of doubts, were found in the same Daniel, whom the king named Belteshazzar: now let Daniel be called, and he will shew the interpretation.
13 Then was Daniel brought in before the king. And the king spake and said unto Daniel, Art thou that Daniel, which art of the children of the captivity of Judah, whom the king my father brought out of Jewry?
14 I have even heard of thee, that the spirit of the gods is in thee, and that light and understanding and excellent wisdom is found in thee.
15 And now the wise men, the astrologers, have been brought in before me, that they should read this writing, and make known unto me the interpretation thereof: but they could not shew the interpretation of the thing:
16 And I have heard of thee, that thou canst make interpretations, and dissolve doubts: now if thou canst read the writing, and make known to me the interpretation thereof, thou shalt be clothed with scarlet, and have a chain of gold about thy neck, and shalt be the third ruler in the kingdom.
17 Then Daniel answered and said before the king, Let thy gifts be to thyself, and give thy rewards to another; yet I will read the writing unto the king, and make known to him the interpretation.
Bible in One Year: Luke 2-3 and Isaiah 24:1-20 Open heavens 2019 Daily Devotional by Pastor E A Adeboye
Open heavens 2019 Friday 25 January 2019 MESSAGE:
In His omniscience, our God has chosen not to endow His spiritual gifts on many of His children and ministers, even though they earnestly desire and seek these with fasting, prayer and long periods of waiting upon Him. His refusal is because He knows that they will make merchandise of His gifts, and He does not want them to face the damnation that will follow. The Holy Spirit warns us concerning this in 2 Peter 2:3
"And through covetousness shall they with feigned words make merchandise of you: whose judgment now of a long time lingereth not, and their damnation slumbereth not."
Our Lord Jesus Christ in today's memory verse laid bare His principle for operating in spiritual gifts, saying, Freely ye have received, freely give. Contrary to this principle, some ministers of God are merchandising the gospel in order to meet their personal needs. Beloved, if you belong to this category of people, I advise that you repent, because it is better not to preach than to preach for money.
Whoever is in contention with this truth should read the story of Gehazi over and over again in 2 Kings 5: 16-27.
Daniel was an upright prophet of God who chose not to make gain from his prophetic office. Even though he was offered great riches and a political appointment if he could read the writing on the wall and tell its interpretation, he declined these gifts. In Daniel 5:17 he said:
"Let thy gifts be to thyself, and give thy rewards to another; yet I will read the writing unto the king, and make known to him the interpretation."
In other words, Daniel was saying My prophetic gift is not for sale.
Faced with a similar circumstance, Peter said to Simon the sorcerer in Acts 8:20
"Thy money perish with thee, because thou hast thought that the gift of God may be purchased with money."
This is the character that our Lord wants to see in those who minister before Him and among His people. The mentality of merchandising the gifts of God must be discouraged in the Church of God today. May God help His ministers to keep to the ethics of their calling in Jesus Name.
Father, please deliver the ministers of Your gospel all over the world from greed that may cause them to merchandise Your spiritual gifts
Hymnal: Open heavens 2019 Friday 25 January 2019
Sing Hymn 5: Let Others See Jesus in You
1 While passing thro' this world of sin,
And others your life shall view,
Be clean and pure without,
within, Let others see Jesus in you.
Let others see Jesus in you,
Let others see Jesus in you;
Keep telling the story, be faithful and true,
Let others see Jesus in you
2 Your life's a book before their eyes,
They're reading it thro' and thro',
Say, does it point them to the skies,
Do others see Jesus in you?
Let others see Jesus in you,
Let others see Jesus in you;
Keep telling the story, be faithful and true,
Let others see Jesus in you
3 What joy 'twill be at set of sun,
In mansions beyond the blue,
To find some souls that you have won;
Let others see Jesus in you.
Let others see Jesus in you,
Let others see Jesus in you;
Keep telling the story, be faithful and true,
Let others see Jesus in you
4 Then live for Christ both day and night,
Be faithful, be brave, and true,
And lead the lost to life and light;
Let others see Jesus in you.
Let others see Jesus in you,
Let others see Jesus in you;
Keep telling the story, be faithful and true,
Let others see Jesus in you
Open heavens 2019 Friday 25 January 2019 Daily Devotional guide was written by Pastor E.A. Adeboye, the General Overseer of the Redeemed Christian Church of God, one of the largest evangelical church in the world and also the President of Christ the Redeemer's Ministries. The life of Enoch Adejare Adeboye is a fulfilment of the scriptures in Zechariah 4: 10 which declare, "despise not the days of small beginnings". Born in 1942 into a humble family in the village of Ifewara, Osun State located in the South-western part of Nigeria Enoch Adeboye often humorously states that his family was so poor that even the poor people called them poor. As a matter of fact, he unashamedly tells his congregation that he never owned shoes until he was eighteen years of age. What he possessed though were physical intangibles such as focus, consistency, diligence, ambition, a brilliant mind and a determination to succeed in life.
In 1956 Enoch Adeboye was admitted into Ilesha Grammar School, Ilesha, Osun State, Western Nigeria and as a youth he discovered a passion for books, and an aptitude for science and in particular the field of Mathematics. This led to an academic journey in the field of Mathematics against incredible odds including but not limited to finances, the Nigerian Civil War and academic politics. By the time he was done, Enoch Adeboye had obtained not only a Bachelors (BSc.) degree in Mathematics from the University of Nigeria, Nnsukka, Nigeria in 1967, but also a Masters (MSc.) Degree in Hydrodynamics and a Doctorate Degree (PhD) in Applied Mathematics, both from the University of Lagos, Lagos, Nigeria in 1969 and 1975 respectively.
One of the motivations for these academic achievements was Enoch Adeboye's passionate desire to become the youngest Vice-Chancellor (University President) of any one of the frontline Universities in Nigeria. It did seem that his academic ambition would be realized as his academic career flourished. However, this was not to be as a greater career awaited him in the service of the Lord. In 1967 Enoch Adeboye got married to his beloved wife Foluke Adenike Adeboye (nee Adeyokunnu). Open heavens 2019 Friday 25 January 2019 Daily Devotional by Pastor E A Adeboye – NOT FOR SALE!
OpenHeavens HOW TO CONNECT TO GREAT GRACE
Surrender all to Jesus
Repent from all known sins and ask God for forgiveness through the blood of Jesus
Don't be afraid to approach the throne of Grace when you need help Hebrews 4:16
Pray for the grace of Giving
Pray without ceasing, Grace does not cover those who cannot pray
Give thanks to God for His Grace upon your life and don't be ashamed to glorify Him openly
please send your testimonies and prayer request to firstname.lastname@example.com, contact us, +2348051769284 OR +2348141786285 (Office of Pastor E A Adeboye)
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Open heavens connect 2019 Daily Devotional by Pastor E A Adeboye


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Are you a small member-based organization? Then you might relate to these survey results.
Surveys of member-based organizations show that the most common #1 priority is increasing memberships.
Increasing memberships is the top priority for 20.2% of organizations surveyed, followed by increasing member engagement (16.3%), demonstrating member value (10.3%) and developing member programs and services (9.7%).
Having more members boosts the reputation of your association. Moreover, more members bring in more membership fees, which expands your organization's capacity to run programs and services. Indeed, 91% of small organizations say that membership fees are their most important source of revenue.
So how can small organizations more effectively attract
and retain members?
One way is through clear, persuasive and impactful emails.
Email is among the top 4 channels of recruitment for organizations (the other 3 are: word of mouth, events, and web presence).
Here are 5 ways you can improve your email communication and maximize your recruitment results.
1. Answer the question, "Why should I choose your organization?"
In order for your recruitment emails to be effective, it has to clearly show your organization's unique value. Are you the newest, or longest standing, industry association in your area? Do you offer the most professional training and online forums? Do you have regular networking events with excellent speakers?
Find your organization's shining characteristic and present it as your key selling point within your email. Bold it, or make it a tagline. The explanation of your selling point should be short, easy-to-grasp and present an attractive benefit to prospective members.
2. Personalize, don't generalize
Nobody feels moved reading an email that starts with "Dear Member" or "Dear Industry Professional". Generalized messages read like advertisements and are likely to be sent to the trash folder. Make every effort to address people by their first names. If that's not possible, be as specific as you can in addressing your audience: Are they teachers of a certain school? Technicians from a certain company? Designers in a specific city or neighborhood?
Strive for personalization in every sentence – the email should read like it's from another human who knows you and your professional concerns.
"TiRead your email aloud to listen for personalization and effective persuasion throughout your text"
3. Create and use targeted email lists
One way to help you personalize your emails is creating targeted email lists. When you hand-pick a group of people to email, you can focus more on that group's specific needs and create a personalized email selling the benefits of your organization that answer these needs.
For example, let's say you want to target new graduates or new professionals to your field. These younger professionals may be seeking mentors, internships and professional development opportunities. In your email, you can highlight how your association connects members with mentors, internship possibilities and ongoing professional development events.
4. Take advantage of creative metaphors
Instead of sending an ordinary email, frame it as an "invitation, a "special pass," a "membership card," or another metaphor that elicits a response. When people hear the word "invitation," for example, they associate it with the need to RSVP. A "pass," on the other hand, suggests that membership to your organization is special and exclusive. A "membership card" helps people feel that membership with your organization is something tangible, like an object they would want to own and keep. Think of other metaphors that would make sense for your industry or niche, which would be attractive for prospective members and returning members.
5. Track responses and analyze results
One often overlooked strategy in membership recruitment is tracking email effectiveness. How many people clicked or opened your emails? Which email templates have higher open rates, and for which groups? Which send times work best? Which email campaigns bring in the most responses? Can we replicate the successes?
In order to track email communications, you'll need software support. ToutApp is one solution for managing and analyzing email communication. Eventgrid is another tool for managing email campaigns, and also for attracting new members through events and programs.
Attracting and retaining members is hard work. We're here to help. Eventgrid provides software solutions for membership managment email campaigns, event registration, web building and more.
Talk to us today for a free product demo.


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Amikmat couture (plain and pat...
Plain and pattern fabricsB Nov 09 Phones & Tablets Abuja - 16km
Domain Name At N1,900
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Kaizer Chiefs kick off their Telkom Knockout campaign with a home clash, as they host Black Leopards at FNB Stadium on Sunday.
The Soweto giants are – much like their bitter rivals Orlando Pirates – enduring a long trophy drought, with their last triumph coming in 2015 when they hoisted the league title under current Bafana coach Stuart Baxter.
With Italian mentor Giovanni Solinas at the helm, they have recently had a taste of silverware with the Macufe Cup over the weekend, but will be looking to go all the way in the more prestigious League Cup.
They will, however, go in Sunday's fixture without the talents of Lebogang Manyama, who has been ruled out for six weeks after a car accident earlier in the week and will be sweating over the fitness of the talismanic Khama Billiat who is also an injury concern.
Kaizer Chiefs also have a few other players currently on the mend, including striker Leonardo Castro, as well as fullback Joseph Malongoane who broke his ankle against Free State Stars in August.
Telkom Knockout: What the coaches are saying
Solinas has noted the club's "bad luck" with injuries and vowed that things will turn around.
"We have a small problem with Khama, tomorrow we will decide with the team doctor. I don't think it is a major problem, but I don't know if Khama can play on Sunday or not.," he is quoted by EWN.
At the moment, we are fighting against a run of bad luck with injuries, but we will win against this bad luck. This bad luck started with Joseph when he fractured his leg, then Castro and now it's Lebo, so I'm pleading with this bad luck to finish."
Amakhosi are up against a side that has had a bit of a struggle since returning to the top-flight at the start of the season, winning just two matches and losing four in their eight so far.
However, coach Joel Masutha believes the pressure brought on their fancied opponents by their trophy drought could play into his charges hands.
"Everyone is excited to play big teams. My players will be motivated on the field. They want to test themselves against a Chiefs team that has not won a cup in like three years. They [Chiefs] will be under pressure and they will be forced to come at us."
Kaizer Chiefs vs Black Leopards: Head to head
Black Leopards were relegated into the first division at the end of the 2012/13 season, but did encounter Kaizer Chiefs once in the 2014/15 Nedbank Cup, where they emerged victorious, winning 2-1 in the round of 16.
In matches prior to that, the two teams met four times in the period where Lidoda Duvha had their last run in the top flight, with Amakhosi winning three of those encounters, while the Thohoyandou-based outfit prevailed just once.
Kick off and where to watch
Kick off: 15:30
TV and live stream: Supersport 4 (SS4)


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Heat Pump
Heat Pumps and Heat Pump Services in Dayton, OH
Saving money when heating and cooling a home, while still enjoying year-round comfort, is at the forefront of many homeowners' minds. Thanks to the technology of the heat pump—which works like an air conditioner but can reverse the direction in which it moves heat—you can have the benefits of an excellent air conditioner and an energy efficient heater put into a single unit. At The Furnace Man Heating & Cooling, LLC, we provide heat pump installation in Dayton, OH and other services you may need to keep a heat pump in excellent condition so that it continues to provide your family with comfort throughout the year. Contact us to find out more about the benefits of heat pumps.
The Furnace Man Heating & Cooling, LLC offers quality heat pumps and heat pump installation, replacement, repair, and maintenance services in Dayton, OH. Call us today to make your next appointment with us.
Why Consider Using Heat Pumps?
Heat pumps are very similar to an air conditioner: they use a process called heat exchange to move heat from one location and deposit it in another. In cooling mode, a heat pump absorbs heat from the inside of a home and then releases it to the outside. When you switch a heat pump over to heating mode, the process remains the same except that the direction reverses: the system absorbs heat from outside and brings it inside.
The biggest advantage of heat pumps is this dual function. You no longer need to have a separate air conditioner and heating system. Your needs for the whole year come packaged in one system. Heat pumps are convenient and space–saving.
Heat pumps also work with higher energy efficiency in heating mode than most other heating systems, such as furnaces and boilers. The reason that a heat pump can achieve higher levels of energy efficiency is that it uses electricity to power components that lets it move heat. Other, less effective systems, burn fuel in order to generate heat. If you switch over from an electric furnace, you can expect to save as much as 30% from your seasonal heating bills. And you won't lose anything from the cooling side either since a heat pump provides cooling power comparable to any standalone AC of the same size.
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Our team at The Furnace Man Heating & Cooling, LLC will assist you with finding the right heat pump for your home and then install it so it does the job you expect it to around the year. You can also rely on our team for the work you may occasionally need to keep your heat pump in the best condition, such as repairs and annual maintenance visits. If you have any questions regarding heat pumps, don't hesitate to call one of our specialists at The Furnace Man Heating & Cooling, LLC.


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Spitfire Girl - DESERT FOREST VOTIVE
As each candle burns down it becomes a lantern illuminating the artwork printed on cherry wood.. It is simply stunning and the only candle of it's kind on the market. Fragrance: Sandalwood, Rose, Cinnamon, Patchouli and Maple Sugar; and enhanced with Orange Zest. Natural Soy blend candle. Burn Time 19 hours. Measures 2.5 High x 2 in diameter.


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We endeavour to stock all groceries that may be required by our customers for their daily living, but it is our delicatessen & bakery that are the treasures of our store.
In the words of George B. Shaw: "there is no love more sincere than the love of food..." and in Fitzpatrick's we emphasise & encourage that love. Our delicatessen operates 7 days a week and every day we freshly prepare our delicious & homemade range of foods. We start as early as 5am to ensure that we can offer such a range throughout the day, including options for breakfast, lunch & dinner.
In a recent survey by Today FM on the Best Breakfast Roll in Ireland, Fitzpatrick's scooped the Bronze Medal of Breakfast Rolls!! How? Well we cook your breakfast from raw in just 2 ½ minutes.... (yes 150 seconds) using our local butchers' sausages and rashers, and the infamous Clonakilty Pudding to ensure you get the best start to the day. We also prepare fresh fruit salad and have a number of other healthy options available in-store.
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CLick here to view our Catering Brochure
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Take the hassle out of cooking at the end of the day....
Provides fresh food products solely available in our store. Made from the finest, wholesome & natural ingredients to deliver the highest standard of produce.
Our traditional bakery offers a sumptuous range of desserts. We bake everything from scratch!!! All our confectionery is available fresh 7 days a week and is prepared only on that day.
We offer clients a customised personal & professional service including menu planning or if required event planning!!
Glounthaune, Co. Cork. | Tel: 021 4353299 / 0214353093 | Email: firstname.lastname@example.com
Registered Business Name: KETA Products Ltd. | Registered Business Number: 126279 | VAT Registered no: 4653928P


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NT16 Mikoto thread
So perflat.
If Element is only a chapter or so, what will the rest of the novel be about? I have a feeling it will be genuinely about Mikoto.
What do you want her to do? What do you expect her to do? Are they the same thing?
I want to believe Mikoto will do something to break Raildex status quo but I'm not entirely convinced. That being said I haven't completely lost faith
Reminder that Senjou is the best girl in the entire series.
Reminder than Senjou pleasures old men for free
how kind
Wrong again.
Happy Birthday Yohane.
How do chuunis celebrate their birthday?
hbd little demon
You must post a loli on this thread or else you will die on your sleep.
she is not a loli, she is an adult
Dying in my sleep sounds like a really peaceful way to go, anon.
For some reason this is the only Jojo death that actually makes me depressed. I didn't feel anything for previous deaths, but this will always hit me, probably because the characters in Part 7 aren't one dimensional like in other parts and actually feel human.
Anyone else feel the same way?
Nah, he was a Zeppeli
Bruno's death was pretty sad as well
he would later die of a cold
Gotta find out who kill my dad?
It was some pink loser who just drags the story out. Hear the voice of you in my mind.
I went to Trigger's Kill la Kill panel at Anime Midwest a couple days ago. Someone asked if there was ever gonna be a Kill la Kill sequel and they said the team felt that Kill la Kill was done, but since Sushio keeps drawing Kill la Kill stuff there's always a possibility that something could happen.
Also, Sushio is intensely obsessed with Mako. He said that when he sees fanart of her kissing Gamagoori, it hurts him. When they held a cosplay contest, he chose the girl dressed as Mako as the winner....
Comment too long. Click here to view the full text.
Any other main girl alter egos you'd want to see?
Newt is cute
I want to stroke her hair
Theoretically, what are the chances of seeing Cerea as a deathmetal-tier knight?
Be sure to do it in public to maximize her embarrassment
>Our super Big Bang will breathe life into a new genesis
What could this possibly mean?
Where is mirage??????
I'm tired of all those faggots who don't understand that Delta will end with UNDERSTANDING.
This is is how it's going to be:
In the end Chaos is fighting against Windermerians near their home planet. During the fight Hayate suddenly realizes that Windies are not the real enemies and that they are just misguided victims manipulated by Epsilon and NUNS. So he dances in his VF trying to show that humans want no harm. At the same time combined NUNS and Chaos fleet folds in and fires dozens of Dimensional Eaters to completely annihilate Windermere. Hayate...
Comment too long. Click here to view the full text.
meanwhile a fragment of the poster
Erina a best. A BEST.
What's with her eyes, they look different.
meat a shit
Boruto just keeps on giving.
How did they think making this shit was a good idea
That art is even worse than Kishimoto's. What's up with that?
Forgot to laugh? SZS Zan 2 starts in 10 minutes on stream.
https://www.youtube.com/watch?v=LAk4neGyRBA [Embed]
Stream at: http://galax.moe/szs
ok then
So the countdown starts again in ten minutes, right?
I was temp banned for flooding the chat with laughter when it hit
ITT: post an image that summarizes your reaction to the show it's from.
Drawfag Thread 1824
second rarfag's files until thread 1819: https://www.mediafire.com/folder/m5rhvc5a9bfku
Draw Friends Booru!
Please help a little by tagging and uploading pics!
Tag list of artists and colorists: http://pastebin.com/J0dJ6gtn
Missed a delivery or sudden 404? http://desuarchive.org/a/
Drawfaggin' references and tablet guide: https://docs.google.com/document/d/1r76FugZ2pZIE74LdSEBMwGJ7HxweawNdoGrNT6hrOfs/edit
Thread 1823 >>143966927
Requesting Hikage kindly hugging Mirai from the back. Hikage cares a lot for Mirai, but not in a romantic way, and she doesn't have emotions so a subtle blush is more than enough, but Mirai can be very flustered.
Requesting Keiji pulling Kanetsugu's leash back as she pounds Kanetsugu's ass through her ass window with a strap-on. Loud moans of "Wan, Wan" are escaping Kanetsugu's mouth in the process.
Requesting pov things with her, like cuddling with her, taking cozy naps. Eating her cooking, drinking alcohol with her.
The idea of nyotaimori doesn't sound bad.
As well as >>143795042
What did he mean by this?
Sibling brand chivalry.
>Walk into house after work
>see this
What do?
Moth is love, Moth is life
fug the bug
I wish we could get a serialization of her


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amazing editorial from tank magazine of kate bosworth, shot by todd cole. such a beauty, a gorgeous face with different coloured eyes. she looks like a model in these instead of just an "actress". *some nudity*
Posted by Cindy at 7:56 PM
Labels: bosworth, celebrity, daily image, fashion, pretty things
4 comments:
- Stephanie said...
These are gorgeous- she looks beautiful and very model-like, you're right.
- January 10, 2009 at 10:48 PM
- Emma said...
Love these! Especially the sheer black dress, and the blue toned outfit of the last pic. And love that she looks heathy and well! Kates a fave :D
- January 11, 2009 at 1:47 PM
She is so beautiful. Kate is my dream girl!
- January 11, 2009 at 7:13 PM
- Cindy said...
i agree she's looking much better lately, so stunning.
- January 12, 2009 at 1:12 AM
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A light earthquake magnitude 4 (ml/mb) has struck on Wednesday, 10 kilometers (6 miles) from Anse Rouge in Haiti. Global date and time of event UTC/GMT: 12/04/18 / 2018-04-12 00:45:51 / April 12, 2018 @ 12:45 am. The 4-magnitude earthquake was detected at 19:45:51 / 7:45 pm (local time epicenter). A tsunami warning has not been issued (Does not indicate if a tsunami actually did or will exist). The earthquake occurred at a depth of 10 km (6 miles) below the earth's surface. Exact location of event, depth 10 km, -73.0992° West, 19.7123° North. Id of earthquake: us2000dyja. Event ids that are associated: us2000dyja.
Epicenter of the earthquake was 38 km (23 miles) from Port-de-Paix (c. 250 000 pop), 52 km (32 miles) from Gonayiv (c. 85 000 pop), 79 km (49 miles) from Saint-Marc (c. 66 200 pop), 37 km (23 miles) from Ti Port-de-Paix (c. 34 700 pop), 73 km (45 miles) from Lenbe (c. 32 600 pop), 79 km (49 miles) from Dessalines (c. 12 300 pop). Nearest cities/city/towns to hypocenter/epicentrum was Saint-Marc, Dessalines, Lenbe (min 5000 pop). Nearby country/countries that might be effected, Haiti (c. 9 649 000 pop).
Each year there are an estimated 13,000 light quakes in the world. Earthquakes 4.0 to 5.0 are often felt, but only causes minor damage. In the past 24 hours, there have been one, in the last 10 days one, in the past 30 days one and in the last 365 days two earthquakes of magnitude 3.0 or greater that was reported nearby.
Did you feel it?
How did you respond? Did any furniture slide, topple over, or become displaced? Leave a comment or report about activity, shaking and damage at your home, city and country. Read more about the earthquake, Location, Distances, Seismometer information, Date-Time, Parameters and details about this quake, reported near: 10 km NNW of Anse Rouge, Haiti. This information comes from the USGS Earthquake Notification Service.
Copyright © 2018 earthquakenewstoday.com All rights reserved.


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Crushed It! Cards
There's something so special about writing warm wishes and loving messages to your loved ones near and far during the holiday season, so I've created these "We Whisk You A Merry Christmas" cards so you can do just that. Each card is blank on the inside so that you can write your own special messages, and come with a kraft envelope. The best part of all, both the cards and the envelopes are made of 100% recycled materials. These cards are available on their own, or in sets of 5 or 10.
This special design is kind of the foundation that this collection was built upon. As the years go on the things that you remember from the holidays are rarely the things that were wrapped under the tree, but rather the memories made with the people that you love the most. There's no better gift during this magical time of year than to be surrounded by family and friends.
- Card and envelopes are made from 100% recycled materials
- Each card measures 4x6 inches
- Blank Inside
- Kraft Envelope is included
Is this a gift? You can add gift wrapping to any order by ordering this add on.


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Driven to excel
HARMAN Lifestyle Audio is reinventing the way people experience the world around them. At home, in the car, and on the go, our personalized and intelligent technologies seamlessly integrate into daily life, amplifying each moment and transforming the everyday into the exceptional.
More than 50 million automobiles on the road today are equipped with HARMAN car sound systems and infotainment systems, making up for 35 percent of the world's cars.
And like all revolutions involving audio, HARMAN has led the way. With award-winning, wireless Bluetooth speaker designs that bring movies, video games or music to life, HARMAN offers market leading personal audio solutions.
Our vision at HARMAN is to elevate connected lifestyles by delivering high quality voice activated audio products that meet the needs of today's consumers while equipping them for tomorrow. We work across all AI platforms and eco-systems including Google Assistant, Amazon Alexa and Microsoft Cortana.
With our world-renowned headphone line-up of in-ear, on-ear, over-ear and sports-headphones you can enjoy music no matter where you are or what you are doing. Noise cancellation, Bluetooth, voice assistant integration and the latest audio technologies such as TruNote enable the best possible listening experience.
Explore HARMAN's range of wireless, lightweight, sweat-proof sports headphones designed for the needs of athletes and those who seek the power of music during their workout. Expect powerful sound that motivates, ergonomic and secure fit to never hurt or fall out, and technology that supports the workout.
The Harman Kardon wireless speakers for home, truly HD audio systems. They fill your room with pure, crisp sound thanks to HARMAN's expertise in audio technology. Now the music doesn't stop no matter where you are in your home. Simply set up multiple speakers and enjoy wireless room filling sound at the touch of a button. Play different music in different rooms or stream the same song throughout your house with party mode. Our app and Bluetooth capability let you access any music from your phone or your favorite apps seamlessly.
Designed to perfectly match any TV, JBL and Harman Kardon soundbars deliver the ultimate cinematic experience.
Experience room-filling sound with HARMAN's home loudspeakers including models designed for two-channel stereo and multichannel surround sound applications in a wide variety of choices. Whether it is floor-standing, bookshelf, in-wall, wireless or all-weather speaker models, the home becomes a personal sanctuary or party zone upon demand.
As any true audiophile will attest, the Mark Levinson name is synonymous with audio purity where perfection isn't the goal but the starting point.
With Revel we continue to set the standard for acoustical accuracy.When you own a piece of Lexicon equipment, you know you're getting technology that's good enough for the pros, but designed for your living room — the same technology that earned us a GRAMMY®.
With over 70 years of Audio and Voice engineering expertise we can offer full system and product design, testing, tuning and integration. Voice input technology for Far Field Voice applications, Software and Co-branding opportunities with Harman's legendary brands. Ready to get Started? Contact Us.
Learn more about innovations and technologies at HARMAN.
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Six of Cups Tarot Card Description
The Six of Cups symbolize the joy of nostalgia, the comfort of home and childhood innocence. In the card itself, there are six cups filled with white flowers. Two children are depicted in the foreground, and one is passing a cup to another. This handing of the flowers from the boy to the girl shows the passing of traditions and happy reunions. The children seem to be in a castle of sorts, that we can imagine give them a sense of security and comfort.
Go Beyond Tarot Meanings
Learn the basics of the ancient esoteric tradition of tarot by starting your initiation ritual! Our app teaches you with simple, easy to use exercises while exploring our academy. Sign up to get the link!
Upright Six of Cups Meaning
The Six of Cups upright generally represents generosity, naïve happiness, and childhood. It can stand for you wanting to return to a happier time, whether it was when you were a child, teenager, or young adult. Many times, these memories are things of the past, which reflect the aspects of ourselves that have vanished. You may feel that remembering these times is the only way to feel happy. The Six of Cups appearing in a reading seems to indicate that while we may look upon the past with a happy eye, we must avoid living in it.
The Six of Cups can also mean that you are be returning to a familiar place. This could be your hometown, an old friend's home, a school, or any place that holds a lot of meaning for you. You are seeking to reconnect with people from your past. Bringing back old memories reminds us of our childhood, a time when things were simpler.
You may be seeking the comfort and warmth of people that unconditionally love you.
Coming after the Five of Cups, this card can also suggest that you may have suffered a loss or disappointment of sorts, and you are making the journey home. You are looking to the past to find the answer to the crisis or challenge that you are facing now. You may be seeking the comfort and warmth of people that unconditionally love you, gathering strength to face the trials that are in front of you.
Six of Cups Reversal Meaning
The Six of Cups reversed can mean that you are clinging to the past. You should explore your memories, but you should not allow yourself to remain there. While you may find it comforting to be in the security of home, you must also learn to forge your own path. The past should be used as a guide for the future. Learn to focus on the present, and truly be aware.
Another reading of the Six of Cups reversed is that you may feel as though you are disconnected from your childhood self, and that child's dreams, which may sometimes be unrealistic. Not reaching these goals can be painful, but sometimes reality carves a path for you that you must follow, and you shouldn't blame yourself for your choices. Take the time to think about where you want to be now and how you can reach your goals, instead of just dreaming about them.
Six of Cups Tarot Cheat Sheet


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Download TvTap APK for Android
If you want to watch live broadcasts directly on your Android mobile device, you've come to the right place. We present you with TvTap APK – it is an application that allows you to watch live broadcasts completely free. This is a very advanced application that has lots of great features. You can also download TvTvap Pro which has even more useful functions and exciting solutions.
The times when you watched TV only at home have long since passed. Now, to watch your favorite live program, just a smartphone, and Internet access. You can do it from anywhere and at any time. The application offers live broadcasts in high quality.
The Most Important Informations About TvTap APK
TvTap is not a copy of other applications for broadcasting live programs that are available on the Internet. The app not only transmits live TV programs but also has functions such as broadcasting of films and series. This is a great feature that makes TvTap currently the best application of this type. You do not need a few applications anymore because TvTap has all the features that all other apps offer.
The application is an updated version of UkTVNow, so this is a trusted application, and you do not have to be afraid that you will experience any problems or damage your phone. The application can be used on many devices such as PC, iPhone, Amazon Firestick and all Android devices. TvTap offers live broadcasts of programs that are most popular in the United Kingdom and the United States.
TvTap APK also has access to many sports channels and a dozen categories so you can watch your favorite sport live. Now we will present the most essential and best features of the TvTap application to which every user has access right after installation.
The Most Important Functions of The TvTap Application
– Very simple and friendly interface of the application makes that everyone can handle the application without using the guides
– Favorites tab allows you to add your favorite channel and quickly find it in the application
– TvTap supports Chromecast so you can send a signal from your phone to your TV and watch your favorite programs and videos in high definition on the big screen
– TvTap is compatible with all Android devices such as phones, tablets, televisions, etc.
– The application offers access to channels from around the world so that everyone will find something for themselves
– No registration or fees are required to use the app. This is excellent news for anyone looking for this type of application
– The ability to change the default player to one of many that offer the application
– Possibility to filter channels and movies according to the preferred country and category that interests us
– Add your favorite video to the bookmark to watch it at any time
– Searching for channels and movies is very intuitive thanks to the new interface
Download and install the TVTAP APK app for Android
If you want to download TvTap APK, do not look for it in the official Google Play store because it is not there. It is an independent application that you can download only from an external source such as this page. This is the only option to use this application. TvTap is updated continuously and new movie productions, as well as TV shows, are added, so you are always up to date.
To be able to install the application on your mobile device, you must first enable the installation from Unknown sources. TvTap does not require Root phone, but this option is needed. To do this:
- Go to the phone settings on your device
- Find and click on the Security and privacy tab
- Find the Unknown sources option and enable it
- Confirm all pop-ups
- Now you can download and install TvTap APK
Download the TvTap APK file
If you have done everything described above, you can already install TvTap on your device. The installation process is very simple, and everyone can handle it, but we will introduce it step by step. To do this:
- Download the APK installation file from our website. You will find it under the button with the word Download below.
- After downloading the file, locate it in the memory of your smartphone
- Click it to start the installation
- Wait a few minutes for the installation to finish
- If everything went well, the TvTap icon would appear on the main screen
- Click on it and wait for the application to start
- You can now use TvTap freely and watch your favorite movies and TV shows
TVTAP for Firestick
The application can also be installed on Firestick. It is a device that changes a regular TV set on an Android TV. Thanks to this, we can install any application that runs on the Android system.
To use TvTap on your TV with the help of Firestick:
- Turn on the device and open the application to download files
- After starting the application, go to our website to download the APK file
- After downloading TvTap APK, you must install it
- When the installation is finished, start the application
- From now on you have full access to all application functions on your TV
TvTap Pro for Android
In addition to the basic version of the application that allows you to watch TV and movies free of charge and has a lot of features, there is also a Pro version. Below we will describe it and present the functions it offers. You will see what the Pro version differs from the basic version and whether it pays to use it. This version has several important updates and functions that affect the use of the application.
The most essential functions of TvTap Pro
– In this version, you can access all channels directly from the home page of the application, which makes it very easy to use
– The application can change the main screen to the one you like the most. This is only a visual effect, but it is a cool option
– The built-in player has been slightly rebuilt
– A contact form has been added so that you can report any errors you encounter during use and contact us if you have any questions
Download and install TvTap APK on PC
The TvTap application is also available on a PC. If you want to watch live TV shows directly on your computer, then there is a possibility. What should you do to be able to install it? You need to download the Android emulator and then download and install TvTap on this emulator. Below is the entire process:
1) Download the Android emulator
We recommend the BlueStack or Nox program. They are great emulators, and you will not have a problem with them. To download them, locate the official website of the manufacturer and download and install the emulator on your computer.
2) Download the TvTap APK file
Now you need to download the installation file directly on the Android emulator. To do this, start the program and enable the default web browser. Now go to our website and download the APK TvTap file. After downloading, start the installation and wait for the process to finish
3) Turn on the application and use it
If the installation process has completed now, you can use all TvTap APK features on your computer for free! It is effortless because everyone can handle it
TvTap is currently one of the best applications for watching live TV programs and movies on a mobile device with Android. It has many functions that are not available for competitive applications, thanks to which we believe is the best applications. If you are looking for an application that allows everything that we described in this article, do not hesitate to download TvTap APK for your smartphone and enjoy free movies and TV shows!


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Return to the product news page to find more industry contacts and tourism product listings.
Located in the Brú Ború Cultural Centre, our café and restaurant offers a dining experience centered around quality Irish cuisine, home baking and locally sourced fresh produce.
Visit Brú Ború located at the foot of the historic Rock of Cashel where Irish traditions come to life.


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List Categories | List All Articles | List Articles By Title
Buying Property in Spain
You have made the decision to move to Spain and are now looking for a property to buy? Where do you start?
Allison Thompson, living in Spain and partner of a small and friendly real estate company. http://www.inlandpropertyservices.com
Spain Excellent Choice for British SIPP Investors
Second homes in favourite holiday destinations such as Spain are likely to be top of the shopping list when the pension rules change April 6th 2006, allowing individuals to invest in residential property through Self Invested Personal Pensions (SIPPs).Research shows that Spain's mature market makes an excellent choice for SIPP investors, with capital growth still high and forecast to grow at 10% a year for the next five years at least.
Foreclosure Home Deals
Did you know that you can save tens of thousands of dollars on the purchase of your home by investing in a foreclosure or preforeclosure property? When you are trying to purchase a home for the first time, and you have limited resources and limited funds, it is particularly important that you get the most "bang for your buck".One way for a young family to get the most home for their money is to purchase a "distressed" property.
Investment Concerns for Selling Your Home
Besides the emotional upheaval of uprooting from your home, your property is most likely the biggest investment you have ever made, and its sale causes financial stress as well. You must protect your investment nest egg and secure your future.
Real Estate Investing: Infomercial and Mentoring Scams
Flipping through late-night infomercials recently, I saw two real estate get-rich quick schemes, and I couldn't help but wonder why people still fall for those old scams? Has anyone really talked a seller out of his home for no money down with owner financing lately?Real estate infomercials do great harm to beginning investors, who waste hundreds of dollars on old information. Worse yet, those beginners soon get discouraged and miss out on the true (and profitable) adventure of real estate investing.
Buying Foreclosures - Knowing Why Helps You Buy
One big potential deal-killer in buying foreclosures is the homeowner. If the homeowner does not trust you, buying their home (even at a foreclosure auction) can become a greater challenge.
Homebuyer Heaven Can't Possibly Last
With interest rates at record lows over the past year, there's really only one way for them to go, the only question is when. Most experts agree that rates will remain fairly stable in the short term, at least until the end of the year, and some believe they will even decrease slightly.
How to Prequalify a Buyer When You Sell Your Home By Owner
One questions many "for sale by owner" sellers ask is "how can I determine if a potential buyer can afford to buy my house?" In the real estate industry this is referred to as "pre-qualifying" a buyer.� You might think this is a complex process but in reality it is actually quite simple and only involves a little math.
Real Estate Development Feasibility Study (Income) - $1.2 Billion Developer Tells You How To Do One
There are two sides to a feasibility study and in an earlier article I discussed the cost side of the format and:Now Let's Discuss The Income SideWithout the Sales Income, All You've Done Is Spend Money, And Anyone Can Do That.So that we are clear in what I am going to define for you, let me say that there are two forms of Income.
Home Equity - Don't Spend It on Risky Investments
The housing market has exploded in the last five years, and homeowners are finding that the equity in their homes is greater than it has ever been. The equity in a home is the difference between the market value of the home and the amount still owed on it.
Ten Steps for Becoming a Successful Real Estate Investor
The secret to success in real estate investment is finding bargain properties that you can "flip" quickly for a profit. Here are a few ideas for becoming a successful investor:1) Obtain sound advice from investors who are already successful.
How To Build A Million Pound Property Portfolio
Looking to quickly build a million pound property portfolio? You could try a high risk and speculative technique that has been used over recent years by investors hoping to make big profits from property.The technique relies on re-mortgaging and negotiating good discounts on off-plan property to take a �50,000 deposit and turn it into a million pound property portfolio within a couple of years or less.
Loan Officer Training: Learn How To Shape Realtors Perceptions
In medicine, a placebo is a pill that you think will make you better, and so it does. In your business, a placebo is a prospect having the experiences they expect to have, and so they have them.
How to Get the Best Price for Your House
The best price to sell your home is always determined by how you compare against your competition, the house down the street. If your property looks better than the next guy's the customer will buy yours.
An Ideal Way to Purchase Your New Home without Strict Banking Regulations
You've searched high and low around town looking for that special home for you and your family. Everyone agrees that "this is the one"! Your down payment for the home is large enough, but you know your credit is terrible, or worse, practically non-existent.
Dont Forget to Ask About Restrictive Covenants
Homebuyers, especially first-timers, may not think of asking about restrictive covenants. But these clauses dictate what can and cannot be done to or on a property.
The Ultimate Short Sale Secret
Buying foreclosures can be extremely profitable for real estate investors. However, most of these homeowners are mortgaged to the hilt.
Are You Tired of Tenants, Toilets, and Trash?
Wouldn't you rather go to Tahiti? Are you a landlord with rental property whose value has significantly appreciated? Are you ready to cash in those profits and take that trip to Tahiti?Before selling your property, check with your accountant who will tell you that you will be paying $60,000 in Capital Gains Tax to Uncle Sam. Your accountant will also tell you that adding another $20,000 to your income by that sale is called recaptured depreciation.
Reinventing Real Estate, Part 2: Online and Empowered Consumers Are Taking Charge and Paying Less
Demanding consumers"Internet buyers tend to be better informed on market conditions and better prepared to act on the home they want when they start working with a realtor. Luckily for realtors, these changes don't necessarily hurt, as long as they are able to adjust to the new relationship and realize that the new-style buyers value speed and efficiency over guidance when finding a home.
The Many Benefits Of Lease Purchasing
Lease Purchasing affords wonderful benefits and opportunities to sellers, buyers, investors and those who would like to operate a home-based business. Lease Purchasing allows you to control property without ownership which has benefits for all.
Log Homes - What is the Log-Home Lifestyle?
Typical log home company advertisements in popular log home magazines talk about the "log home lifestyle" or "it's not just a home, it's a lifestyle." What does this mean? What is "the" log home lifestyle?It's often difficult to discuss the particulars of log home living without also talking about where the log home is located.
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Ready to go ahead, or just want to explore the possibilities further?
Contact me today for an informal chat.
Cassie Tillett
mobile 07802 475110
landline 01493 805060
The Vicarage, 10 Crome Road, Norwich, Norfolk NR3 4RQ
Location, location
Click here for details of my location and the areas I cover.
Terms & conditions
Please click here to download my Terms & Conditions (PDF format). I will ask you to read, print, sign and date this document before we begin working together. Don't panic: they are simply a commonsense clarification of what I can reasonably do for you and matters we both need to be aware of.
You know the old saying: If you're pleased with the service, tell others. If not, tell us.
If you have any problems, suggestions or thoughts about how the service could be improved, please don't hesitate to get in touch.
If you've been pleased with the service you've received from Working Order, it would be lovely to hear from you, in order to include your comments in the relevant pages of this website, on my blog, and shared via social media. Your comments can be anonymous, or credited with your full name, first name or initials only, as you prefer.
Either way, please contact me using the details shown at the top of this page. Thank you!


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Is the mortgage market serving the 4.5 million self-employed British people?
Million pound mortgages for self-employed clients are one of our main areas of expertise at Enness. Ever since the regulator changed the rules surrounding the mortgage market last year the ever-growing bracket of "self-employed" people have found it increasingly hard to step onto the property ladder.
This is particularly interesting considering the number of people self-employed in the UK is at its highest level for 40 years. Britain is world-renowned for being a nation of entrepreneurs, start-up founders and SME creators and with 15% of the total population fitting into this category it's arguably the time to combat the problems facing the self-sufficient entrepreneur when trying to buy a house with that hard-earned money.
Theoretically, you should be able to get a mortgage if you can afford the monthly payments to sustain the amount you are borrowing, yet the reality of the situation is that the bank would prefer to lend to an employed applicant on a lower salary than to someone who has started their own business. We explore the reasons why…
Why do self-employed individuals struggle to get a mortgage?
The reason that million pound mortgages for self-employed people are harder to secure is that, in banks' eyes, you are less likely to have a regular monthly income than if you were employed. This means that lenders are likely to shy away from million pound mortgages for self-employed applicants as you are a riskier bet than an employed candidate.
This is particularly true for those clients who are newly self-employed, although even some very well-established clients will find that their options are limited. If you are newly self-employed you will find that only a handful of high street lenders are prepared to lend to you. If you have two or three years' worth of accounts you are in a better position, although this is only one of several aspects banks will look at.
Under the new regulations last year, both self-employed and employed mortgage applicants have to show bank statements and provide details of debt repayments and outgoings, including any expenses such as childcare costs, holiday spending and pension contributions.
Another typical problem is that different lenders assess income in different ways – particularly if you have set up your business as a limited company. This is because each lender, according to their stance, interprets income structures in contrasting ways. Some lenders look at salary plus dividends when accessing income of limited companies, whereas others are happy to look at the net profit. Other lenders are more uncomfortable considering an applicant with a limited company that is sheltering profits.
The situation now…
However, the good news is that the assessment of million pound mortgages for self-employed clients has improved and is increasingly positive; especially when your case is presented correctly by a broker. We know the minute differences between lenders' preferences due to our constant engagement and in-depth market knowledge and we can demonstrate your affordability accordingly. This, paired with the fact the most advanced lenders are being much more receptive than they have been at any point since before the financial crisis is to your advantage if you are self-employed as we will be able to identify the lender most understanding of your circumstances.
For example, if you work as a contractor, your circumstances may differ from someone who is self-employed and if you speak to a specialist broker you may be able to avoid supplying several years' worth of accounts. If you have formal contracts in place stating how much you will be paid for the work and for how long you may be able to avoid supplying several years' of accounts. Go to our contractor mortgage page to learn more about this.
Each lender requires different levels of detail, according to their structure, but when it comes to paperwork some lenders will be prepared to accept accounts from your accountant (this is the case of most private banks), whereas others will want proof of your income from HMRC and to see your SA302.
If you are self-employed and you are struggling to raise finance to buy a property why not get in touch? We'd love to hear about the problems you have met and guide you to the best solution.