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During the hot Maltese August days, 16 young people from the Youth.inc programme participated along with a group of Irish young people in 'The S.H.A.M.'. This an Erasmus+ funded meeting held at Limerick, Ireland between Sunday 13th and Sunday 20th August 2017 hosted by the Limerick Youth Service.
It was the first of a three part project on mental health issues. The main purpose of this youth exchange was to encourage young people to reflect and take concrete action to safeguard and improve their mental health. The programme intends also on providing tips and abilities to help the young people take care of other close people who might have mental health issues.
Aġenzija Żgħażagħ, St Joseph High Road ,St Venera. SVR 1013, Malta
Tel: +356 2258 6700
Email: email@example.com
Office Service Hours
Winter hours : 8.30a.m. - 4.00p.m.
Summer hours : 8.00a.m. - 1.00p.m.


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This forum is for discussions on various topics and interests. The Forum also contains Dating Advice that every person may follow while dating - both online and offline. To create topics and initiate discussions, just click one of the following categories. For any suggestion on creating new categories, you may email us.
Hi everyone, I am a female in the so cal area, looking for new friends. I love bike ride with experienced riders. Would be great to find someone who is looking for a passenger I am very sweet cargo. L... (more)
Whos close to 3Rivers,Tx?
anyone going to Myrtle Beach, SC Bikeweek? May 13-21.
Anyone in florida wanting to ride?
As a biker model, my favorite biker is Fat boy. Many of my riding partner like it, too. I think it may be a good idea if you want to show us your favorite motorcycle when you look to meet a motorcycle... (more)
Happy Fathers Day to all you biker dads out there ... Best and most important job ever to be a dad ...I celebrate with you and want to encourage you in making the best of this beautiful day..BIG HUGS... (more)
Would like to ride on the back of the back with someone.
Met my new riding partner, where is the best place to take the first ride ?
I keep reading posts by women that say they cant find a good, loyal man. Well, it starts with a simple reply, maybe just a Hi. I'm not expecting a love at first contact thing by any means. All I want... (more)
I traveled frm California to New York now to Maine before heading back to San Diego.. a lil homesick
Anyone need a blonde on their bike for rides on PCH or Northern Ca...let me know..I'm a great rider with Lots of Curves ahead...
I am 46 and recently single after 6 yrs. I am looking for new friends to ride to events, runs, etc...someone near my age bracket plz...
So I would like to know how many people have put an artical on bikekiss .com and was promised to reseve a PREMIUM MEMBERSHIP if they wrote an article . I've wrote two articals and this makes three who do... (more)
I am an older Biker Chick, 61 and am wondering if any of you have had problems with older bikers always wanting young plastic Girls with big tits. I know, bikers are like that. But when you get in you... (more)
So you are riding your bike with the dude that up until recently, you were his back seat , and he becomes an a@&-hole ….Not saying you may o r may not have noticed this before in other areas, but sudd... (more)
How many times have you heard, "Why are you still single? You're so pretty/good looking." Does that bother you? And how do you answer a question like that?
Been riding the last couple of days just after the big freeze -13 without the wind -39 BRRRR. But it is back in the 20s so I ride everyone says I'm crazy but with the leather its OK. Nothing better th... (more)
just got a 1999 honda 750 shadow ace with 7500 miles on it as a present....cant afford a harley right now
are there any sportbike riders in IL, Chicaco west subs.???
Anyone going? Need a riding partner?
Hi im new to th site and was wonering where all th Canadian bikers are?
Yes, I have also have been clean and sober for 16years. I can't even imagine riding in the state I was in before getting sober.
so post here if you'd like to chat...
just trying to see what most woman will answer
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subset: commoncrawl


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Watching the Watchers
The Syndicate of Child Protectors' brother speaks out
- Details
- Published: Monday, 08 April 2019 08:50
- Written by aap
Remember the salient points of Russ's speech people:
This case is not about child stealing, it is about child protection.
There is no law in Australia against protecting children from rape. We are not criminals. We have a right to protect our children.
We have a right to protect our children even against court orders [that lead to] sexual abuse. Family Court orders… We have a duty to protect our children. If we didn't protect these children we would be breaking the law.
The people who have abused these children are not being charged, they are being protected, they are being protected by the AFP.
The AFP knows the full effect of these children's abuse. They have access to the police databases. They have taken our computers, they've taken all our documentation, and that documentation that was leaked with the description and evidence of the children's abuse. Yet they do nothing, yet they continue to lie about the children's abuse. They say the abuse did not occur, it occurred!!!
This wasn't a bona-fide investigation. It was a coverup.
Raping children is a crime. It is an abomination. Ordinary decent Australians regard it with horror and disgust, but the AFP apparently do not.
It is a crime to hide a crime.
If we choose to disbelieve the children, then we commit the perfect crime.
This is a very dark moment in the history of the Australian Federal Police. Their behaviour is appalling. They have shamed Australia.
What a cracker of a speech! My brother is well known for many good things – on Friday he added orator to the growing list of his many amazing attributes!


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Only Cops Should Have Guns
Yeah, right.
Three people were shot, two fatally, at a Tallahassee, Florida, federal detention center Wednesday as federal agents went to arrest six corrections officers, authorities said.
The six guards were being arrested in an investigation into allegations that guards were trading drugs for sex with female inmates, federal law enforcement sources said.
One of those being arrested opened fire, said Jeff Westcott, spokesman for the FBI's Jacksonville bureau.


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Registered: Jan 2017
Location: basom
Posts: 5
I have two stephen stock curs litter mates 20 months old for sale.
Not spoiled in any way. I have no time to hunt them. one male one female. $250.00 each 585-278-4092 ask for Ed
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Sunday, January 21, 2:45 pm - 6:00 pm
Presenter: Waltz Time
Recommended Ages: All ages welcome
Location: Spanish Ballroom
Admission: $13 per person / $25 per couple / $5 students & children
Contact Email: email@example.com
Waltz Time presents a beginning waltz lesson from 2:45 to 3:30 pm, followed by an afternoon of waltzes and other couples dances to live music. Dancing runs from 3:30 to 6 pm. As always, no partner is required for this dance in the Spanish Ballroom, and the cost is $10, including lesson.
Today's band is KAREN COLLINS & THE BACKROADS BAND, with Karen Collins (vocals, acoustic guitar), Ira Gitlin (lead guitar), Geff King (vocals, acoustic guitar), Pat Puglisi (drums), Lynn Kasdorf (pedal steel).
For a calendar view of all the January dances, visit the January "Month-at-a-Glance Calendar."
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Glen Echo Park Partnership for Arts and Culture, Inc.
7300 MacArthur Blvd. | Glen Echo, MD 20812 | Phone & Recorded Info: 301-634-2222 | Inclement weather: 301-320-2330
Featured in the 2015/2016 Catalogue for Philanthropy. "One of the best small charities in the Greater Washington region."


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Saint Cloud, Get New Tires From Us
Here at Tires Plus in Saint Cloud, FL, we offer top-quality tires to help get your vehicle on the road faster. Find out more about our services, pre-book your appointment, or stop in at any of our Saint Cloud locations today.
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Find Out More About Tires, Services, And Coupons
Here at Tires Plus, we believe in going the extra mile. That's why we provide our guests with more than tires. Whether you're bringing your car for a routine maintenance check or extensive repair work, count on Tires Plus in Saint Cloud to keep your vehicle running smoothly.
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Become a teammate and you can have a rewarding career with hearty benefits and plenty of room to grow. Text BRIDGESTONE to 97211 to apply now or click below to find Tires Plus job opportunities near you.CAREERS AT BRIDGESTONE


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When the pit boiling out the center of me licks up, spits its pitch to coat and sizzle, soak up into my brain stem, again again lapping back, coating coating, thick and unrelenting, until the walls will suddenly give out, slough off and slip down my shoulder blades, down through my elbows, soldering joints along the way, slowing the further it down it rolls, crawls, creeps an inch per night, paralyzing my dreams, preying on my sleep until this morning, with fingers stiff and fevered brain, I edge my pain over the page to let the black drip out, drool and dribble, trickle until the little left there to leak can only leave my hand and heart stuck sound and still, asleep for another solid month.
If I can never find a moment each day where my mind will loosen its white-matter grip on my eyes, my rigid swollen fingerbones, my frozen coated tongue, I will imagine a song for you. Slowly, slowly. What follows is not a confession but a prelude: that I haven't sung for some time does not show a lack of love, know that now. My silence is little more than lazy, frightened listing on only slightly stormy seas, in sight of shore even, in it only just above my knees; too scared to swim, I stand and shiver until my feet become sand, my heart glass. But if you have been waiting until your wishes were all tapped out, to the rhythm of blink-broken stares and cold shoulders shuffling by, feel free to shatter me, do not stifle the silence any longer, blister me with screams that this pen can be more than just a stick stroked in my hand, rubbing against nothing. Carve this pen instead into a shovel and show me how to dig holes deep and drop enough seed; cast my face toward the burning sun then fill me—slowly, slowly—with cool water until I burst with voice and color. What follows is not a coda, only a caesura: broken images aside, I love you and I will sing again.
I'll know my name as it's called again.


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Merlin offers more flexibility for customers' repair appointments
Our updated repairs policy has gone live today with the aim of providing more flexibility to customers when they report a repair.
The updated policy, which has been produced following consultation with customers, has simplified the way we categorise repairs. In turn this will make it easier for customers to arrange a convenient appointment when they report a repair.
Head of Property Investment Richard Hopkins said: "We know that repairs is the most important service we provide to our customers. We're determined to provide an effective service where we're carrying out repairs right first time, at a time that is convenient to customers. We're confident that the updates we've made to the way we deal with repairs will improve."
At the same time we're improving our approach to fencing repairs that go over and above what we are obliged to do. The updated policy also brings greater clarity about which repairs customers are responsible for and what repairs we will fix. It's all part of our aim to continue to increase customer satisfaction.
In recent months we've seen an increase in customer satisfaction with our repairs service. Satisfaction in the three months to June was at an all-time high of 85.1%. But we aim to improve this further, and have a goal of reaching 90% satisfaction with our repairs service by March 2019. Overall customer satisfaction has also increased during the same period to 84.8% three month period until the end of June. Again we want to increase this to 90% by March 2019. Latest customer satisfaction results will be published on our website next month.
Click or tap for more information about our repairs service.


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If you think that Liberace's first piano was an 1885 Pleyel Art Grand Piano, you are surely mistaken. Liberace was born in 1919 in Wisconsin, at the foot of the great depression. His first musical instrument was, in fact, his older brother George who had the great misfortune of howling a perfect pitch C sharp when whacked in the right chin or a B flat when whacked on the left with a stick. (A fist bump for everyone out there who just made the connection to the Bugs Bunny cartoon by the way) Once George actually caught on that Liberace was not a runner, his burgeoning human whack a mole musical career was over…what to do now?
Well, piano of course. The King of Rhinestones actually started playing at age 4, but don't let that dissuade you from starting now. The way I look at it, in 1923 it took about 2 weeks for a piece of mail to get from Wisconsin to Hollywood, whereas today, that same piece of mail, digitized, can make the transit in nanoseconds. What I am trying to say, is that 10 years of hard practice in the early 20th century should roughly equate to about 3 and a half days of immersion therapy with an adequate instrument and a (supplied) Piano For Life Instructional DVD. What you need, though, and there really is no way to get around this part, is a piano.
Oh lucky day for you. We have one that needs a new forever home. It is a 1952 Acrosonic Spinet Piano that has been lovingly tuned and maintained by a professional ever since it was forever re-homed to us. (If you PM and ask, I will shoot you the number of Bob, the Piano guy, who will tell you anything you need to know about it.) This particular piano is in excellent condition, tuned and ready to roll, literally, to you. A few more points, this is the 48″ version, not the 36″ version, and in 1952, the Acrosonics were made with Mahogany. Additionally, this Acronsonic has a full metal backing plate allowing it to hold tune for a long long time. That's kinda important.
If you are feeling saucy, we are renting a truck this weekend and can bring it to you and help you move it inside, as long as inside is a ground floor. If you are not feeling adventurous, Rex Moving in St Pete has moved this piano before with great success and cheaper than anyone else in the area, call em up and get a quote. (Tell them we are in the 34689 zip code and it is moving from a Ranch with tiled floors) We are asking only $450 for the Piano, and maybe half the truck rental if we can deliver it for you. (Liftgate truck should run us about 80 bucks or so). We are pretty firm on the price, just to let you know. If you want to really channel your inner budding Liberace, I will throw in a box of IKEA Candles that you can place just rightly so on the top of your new-to-you piano.
Please PM any questions. Know that we really do want this to be rehomed this weekend. We are in the midst of selling 95% of our stuff to take off on a worldschooling adventure with the 12 year old in which nothing could possibly go wrong. I double checked with Jet Blue, and confirmed my suspensions that this particular model (which comes in tipping the scales north of 250 pounds) will not, in fact, fit in the overhead compartment of an Airbus A-320, so sadly it can not come with us on our adventure.


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Finally you can be a professional photographer without hauling around tons of a gear. In fact all you need is your cell phone and the Cell Phone Camera Lens kit. The Cell Phone Camera Lens kit includes three different lens including the Fish-eye lens, macro lens, and a wide angle lens. The fisheye lens gives your pictures a round, fish bowl effect. The macro lens is the perfect lens for closeups and will give you a close look of the world around you. The wide angle lens is ideal for landscape pictures so you can have more of a view in each shot.
The Cell Phone Camera Lens lets you choose your color either gold, silver, red, blue, or pink. It's compatible with all smart phones including iPhones and Samsung Galaxies. The entire kit is waterproof including the carrying case and all three lenses. It's very simple to setup, just clip the lens to your smartphone and start snapping professional grade pictures. The Cell Phone Camera Lens is a great gift for anyone with a phone, tablet, or laptop.


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Decarbonizing urban transport in European cities: four cases show possibly high co-benefits(10 page pdf, Felix Creutzig, Rainer Muhlhoff and Julia Romer,Environ. Res. Lett., Dec.19, 2012)
Today we review an analysis of four policy scenarios for four European cities at increasing levels of pressure aimed at reducing carbon emissions from transportation over the next 30 years. The greatest impact comes from a combination of land use policies (such as densification) combined with congestion charges which in one city produced a 40% reduction in GHGs. It is clear as the report summarizes that such strategies need to be tailored to a given city, its population and degree of sprawl.
To see Key Quotes and Links to key reports about this post, click HERE


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Klik hier voor de Nederlandse versie
ADVOCURA is committed to getting to know your business and to understand it. This means that we would like to get to know you and your company so that we are aware what is going on and you know that we can quickly turn and respond when a legal issue occurs.
This also means that the frequently heard phrase "you would rather not need a lawyer" is certainly not always true. The timely involvement of a lawyer can prevent many problems and costs. For example, are you about to conclude an agreement? Then it is advisable to have ADVOCURA assess whether the agreement properly comprises the effects you envisage. Do you want to draw up a contract yourself? ADVOCURA records the agreements to be made for you in clear language. Do you employ staff? Have ADVOCURA check whether you meet all legal requirements.
Privacy, general conditions, staff; a short check for your company can prevent possible problems in the future.


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Poetry – Issue 23 | November 2015
Two Poems by F. J. Williams
Hot desk
Sexy wits try the swingers' club from here,
a bulky list of names, tastes and rendezvous.
Others come for WiFi, work and leave
a cup of dregs, a greasy burger box,
a syringe and spoon in the WC.
Someone puts her eyes on at the screen,
swipes primer on the glass and lets it dry.
Another, digging notches in the splintered desk,
knocks off the days until retirement.
Those who never quit leave jackets on the chair
and come to work to find themselves.
Familiar with the dustpan, the divine
who wipes the desk of dabs, takes out the cans
and walks the wine-dark asphalt to the bins.
About the author
F. J. Williams has published three poetry collections, Reading Lesson in the Lifers' Wing (Peterloo), The Model Shop (Waterloo Press) and On Lipstick Beach (Poetry Original Plus). He's taught in schools and has lectured in English at University College, Chester.
Read our current issue:
Two poems by Anne Babson
Vignette, Townhouse, 9 a.m. by Troy Cunio
Night Becomes Day Over the West by Megan Foley
Yukon River Aurora by D. B. Goman
Two Poems by David Havird
Cretan Love Letter by Emily Linstrom
Holland by Rick Mullin
Fear in Kenya by Kristina Pfleegor
The Lounge Lizard by Ed Shacklee
Two Poems by Sarah J. Sloat
Night Flight by Vicki Stannard
Koinonia Farms by Alina Stefanescu
Thessaloniki, Four a.m. by Anastasia Vassos
Imaginary Oceans by Jason Warren
Two Poems by F. J. Williams
Postcard prose
Travel notes
Anchorage in the Great Land by Karen Benning
The Value of Small Money by Megan Hallinan
Screensaver by Sandra Larson
Thirty Cents by Tommy McAree
Gokarna by Kate McCahill
Going Places by Rachel Miller-Howard
Susanville CA: Notes From The Road by Susan Volchok


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Spain, Hierro preach message of calm and continuity after chaotic week
SOCHI, RUSSIA -- Spain captain Sergio Ramos and his freshly installed coach, Fernando Hierro, looked like they'd rather have been in the dentist's chair than facing questions ahead of Friday's Group B opener against Portugal.
"I think I'd like this to be over now..." joked Ramos at the end. "Come on, it feels like a funeral. It's a World Cup. We're supposed to be happy."
Yet there was no escaping the heavy, suffocating mood and not just because they faced the press in an overstuffed room in the bowels of Sochi's Olympic Stadium. Other than a few numbingly generic thoughts about facing Cristiano Ronaldo and Portugal ("I hope he doesn't have one of his best days," Ramos said, and "every game is like a final," Hierro mused) and a riposte to those who criticized him for his tackle on Mohamed Salah in the Champions League final ("My conscience is very clear, I sleep very well at night. ... Maybe some people say certain things to gain popularity"), the dominant theme was Julen Lopetegui, dismissed some 30 hours earlier, as well as trying to figure out who knew what and when they knew it.
"As a captain, sometimes you are a bit more informed of what is going on," said Ramos when asked directly if he knew about Lopetegui's talks with Real Madrid, of which the Spanish FA claimed they had no knowledge. "But the sooner we leave this in the past, the better."
"The important thing is that there is no division in the camp," he added. "We can have different opinions, but we are a solid unit. For me personally, it was a sensitive time, but problems are also opportunities to grow."
The opportunity now falls to Hierro, who went out of his way to reiterate that very little was going to change.
"We are going to continue down the path we've followed these past two years," he said. "We have a very clear job in mind. Most of the staff is the same, the principles are the same, we will be exactly what you've seen before.
"We won't deviate an iota from our footballing concepts."
How well Hierro can do that will likely determine how far Spain go. His own pedigree as a manager, limited to one Segunda Division campaign at Oviedo, is not particularly relevant here. Far more important was his role as sporting director of the Spanish FA during the four years between 2007 and 2011 when they won the European Championships and the World Cup under two very different managers, Luis Aragones and Vicente Del Bosque.
Hierro's role back then was part scout, part man-manager, part motivator and part problem-solver. And while a guy with his playing career (five league titles and three Champions League crowns with Real Madrid, 89 caps and an incredible 29 goals for Spain despite playing center-back and central midfield) was always going to command respect, you're only going to stick around as resident icon for so long if you don't produce.
He was also Carlo Ancelotti's assistant at Real Madrid when they won their 10th Champions League, and after the spell at Oviedo, Hierro was recalled to the national side as sporting director. While his own personal footballing philosophy may be different from Lopetegui's, which is a function of the managers he's worked with over the years both as a player and as a sporting director, you tend to believe him when he says that things "won't change much" for Spain. Not just because there simply isn't time to do so, but because he was a key part of what Lopetegui built (especially in the final few months) and some of the big selection decisions that were made, like leaving out Alvaro Morata and Cesc Fabregas.
In short, it feels like plug-and-play situation.
"[Lopetegui] will be a part of whatever happens at this World Cup," said Ramos.
How big a part, and how well Hierro balances his legacy with the qualities and charisma that he brings to the job, will help determine how far Spain go.
Either way, said Ramos, if Spain come up short "none of this can be an excuse."
Gabriele Marcotti is a senior writer for ESPN FC. Follow him on Twitter @Marcotti.
Use a Facebook account to add a comment, subject to Facebook's Terms of Service and Privacy Policy. Your Facebook name, photo & other personal information you make public on Facebook will appear with your comment, and may be used on ESPN's media platforms. Learn more.


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Argyle Round Pink 0.10 ct 4P
Argyle Origin Round Brilliant Cut 5P Pink Diamond
This unique Argyle Origin diamond comes with its own original Argyle Origin Certificate. The Argyle mine only recently began certifying pink diamonds under 0.15 ct. The fact that the diamond has its own certificate will assist in the diamond holding its value in years to come. This diamond is VS2 Clarity which is rare for pink diamonds of this colour.
Argyle Round Pink 0.10 ct 4P
- Argyle: Yes
- Carat Weight: 0.10 ct
- Certificate: Argyle
- Clarity: VS2
- Collectable: Yes
- Colour: 4P Pink
- Shape: Round Brilliant Cut
- Price : $13,500.00
Categories: Argyle Origin Diamonds, colour, Coloured Diamonds, Diamonds


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Former AFL player Jake King has been charged with possessing steroids along with other criminal allegations.
The ex-Richmond player appeared in Melbourne Magistrates Court this morning, where his lawyer Geoffrey Steward revealed the 33-year-old had been charged with two new steroid offences.
Mr King also faces charges of extortion, making threats to kill, and threatening to inflict serious injury against Tony Mokdissi last year.
Mr Steward told the court Mr King is set to enter a deal with prosecutors, who will likely withdraw some charges in exchange for a guilty plea for others.
It's unclear what- if any- charges will be withdrawn, but Mr Steward said there were concerns that making fresh steroid charges public would affect Mr King's post-football career.
"There's a real likelihood those charges could be withdrawn," he said.
But magistrate Franz Holzer said the charges were in the public interest.
"I emphasise they are no more than allegations," he said.
The court was not given details of Mr King's future employment.
He faces two counts of possessing testosterone on July 5 2017, according to charge sheets.
He is also accused of threatening to shoot and break Mr Mokdissi's legs and that of his family if he did not pay him $150,000 within four weeks in May last year.
Mr King retired from professional football in July 2014, having played 107 games and kicking 79 goals for Richmond.
With AAP


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The Art of Command in the Civil War
The Art of Command in the Civil War
"Everything is very simple in war," wrote nineteenth-century German philosopher Carl von Clausewitz, "but the simplest thing is difficult." the basic solution to many a strategic or tactical problem may be, in an academic sense, fairly obvious. Yet as this sage veteran of the Napoleonic Wars pointed out, actually making things happen in such a way as to bring about victory is a difficult matter indeed.
A constant temptation for those who study war--and particularly the exercise of command--is to fall into the error of thinking that the problems confronting a historical commander were really easy ones. "Monday- morning quarterbacks" have their academic counterparts in next-century historians, who, if they are not careful, can begin to think that the solutions to a Civil War general's problems lay close at hand and were to be had for the grasping. Such misconceptions are particularly hard to avoid if latter- day scholars allow themselves to conceive of the war as a sort of chess game--neat, orderly, quiet, and rational. Calm, comfortable, and unhurried, chess players study the situation at length and without disturbance. They then make their moves carefully, based solely on their own calculations of how best to win. Pieces may be moved with precision and complete predictability over a neat grid of right angles and perfect squares. a very small amount of reflection should be adequate to convince us that the game of chess bears only the vaguest theoretical resemblance to the hard business of war. a little more reflection should assure us that military command is not solely, perhaps not even mostly, a matter of strategy and tactics either.
To be successful, an army commander must manage to relate well to his nation's commander in chief and such other political powers as may affect his operations and the conduct of the war. This may very well include the newspapers and public opinion. He must select loyal and efficient subordinates, secure their appointment, inspire their cooperation and that of such . . .


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News & Updates
Clients, Visitors and Energy Knowledge Seekers,
We are foraying into the world of blogging. We hope to provide updates, for your reading, as often as possible, pertaining to all sectors and corresponding sub-sectors of the natural gas market. Our intent is to provide a one stop shop for all pertinent information regarding your natural gas service and the state of natural gas in Canada in general. We hope to deliver some new insights into how the market is rapidly changing, not only in Canada but in North America and the world. The new shale plays in the US combined with new projects and programs in the liquefied natural gas (LNG) markets provide for a very exciting time. As we see political pressure build toward reducing greenhouse gasses and eliminating coal fired power plants, we're sure to have almost constant updates on the new natural gas landscape. In general, we take no ownership for the information we link to or include in our posts. The viewpoints expressed in all articles are those of the authors and we only include their work as a reference to the topic at hand or for added information regarding a particular topic.
As always we, at CESi, strive to provide value added services required in today's complex energy market. Our team offers timely solutions to manage every natural gas portfolio, so that our clients always receive leading edge ideas and a proactive, rather than reactive, analysis of their energy requirements. We hope that our clients and future clients will find this information useful and demonstrate our personal guarantee to be on top of all developments in the natural gas market and, as always, to transfer our knowledge and experience to help increase our clients bottom line.
This weeks' blog is focused on the recent BIG developments in the Transportation Sector of the Natural Gas Market. Last week 3 major energy companies announced the joint venture for the Nexus Gas Transmission Line. Spectra Energy Corp (based out of Houston), Enbridge Inc (Canada) and DTE (Detroit) have agreed to the roughly $1.5 Billion dollar pipeline venture to link eastern Ohio's shale gas fields to customers in Ohio, Michigan and Ontario. Although the pipeline is still pending FERC's (Federal Energy Regulatory Commision) approval, the 36 inch diameter pipeline would run through existing power line corridors which would yield a minimal impact on the environment and neighboring communities. The Total capacity of the pipeline is expected to be able to transport 1 Billion Cubic Feet (Bcf) of Gas daily with an expected target date of completion of November 2015.
In the West, Spectra Energy Corp and BG Group PLC have proposed a MEGA-pipeline through British Columbia to export Liquified Natural gas to Asia/Pacific Markets. The 850 Kilometer Pipeline would yield a capacity of 4.2 Bcf/day which is more than what Ontario and Quebec use on a daily basis. This announcement comes after TransCanda Pipeline announced earlier this year its plans for their "Coastal Gaslink" Pipeline which would transport gas from Alberta to Kitimat, BC. TCPL's pipeline is expected to have a capacity of 1.7 Bcf/day to be turned into LNG for export to countries such as Japan, China and South Korea with added potential for India and Thailand. As these pipelines are in early stages the expected operational start date would not be till 2019.
Over the recent years the U.S has found an abundance of Natural Gas through the, sometimes controversial, method of Fracking. Their reliance on imported Natural gas from Canada has declined significantly and is expected to drop another 2 Bcf/day over the next 5 years from the current level of 6.9 Bcf/day. This means as the TransCanada Pipeline (TCPL) Main line, which flows gas to the east, has been gaining a significant amount of excess capacity. Currently producers feel the toll charges are too expensive, recently transportation cost were more than the actual physical gas, TCPL is feeling pressure to reduce its toll charges in order to stay competitive in the North American Market. For Canada as a country, with declining exports to our main trading partner the U.S, we must seek other viable countries to export our oil and Natural Gas too!
1. New $1.5 billion natural gas pipeline proposed for northern Ohio
Published: Tuesday, September 04, 2012, 7:08 PM Updated: Tuesday, September 04, 2012, 11:27 PM
By John Funk, The Plain DealerThe Plain Dealer
2.Conceptual Route of Proposed Spectra Energy and BG Group new natural gas transportation system from Northeast British Columbia to Prince Rupert, on British Columbia's northwest coast.
Spectra, BG make big pipeline bet in the race to B.C.'s coast
VANCOUVER AND CALGARY — The Globe and Mail
Published Monday, Sep. 10 2012, 10:40 AM EDT


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Why running is good for you and usApril 18, 2018
Further to our blogs about Love Running - Hate Training Part 1 and 2, we thought we would share with you why running is good not just for you but for us too.
During the course of a year, there are many different attitudes to exercise. In spring there is a determination to get summer ready, whilst winter is full of excess and New Year promises. Yet going for a run is made for all weather and all budgets.
Pounding the pavement or running on a treadmill is great exercise, that not only gets your heart pumping but the constant rhythm and pace creates an environment perfect for clearing your headspace.
The hardest part of running is making the decision to start. Motivation is key to every run and can be anything from getting summer ready, your health, fitting into 'that' dress or improving your mental health.
Yet when the weather turns or life throws a bump in the road, motivation can soon disappear. However, if you have signed up for a race then no matter what happens you have an aim and goal to get you through.
But why is running good for us, as well as you?
Every year individuals push themselves beyond their limits and by doing so help Calvert Trust Kielder continue to prove there are No Limits. By joining a race as part of #TeamCalvert you are encouraging others to test their own boundaries.
By being a part of the Great North Run and fundraising during your training you are not only improving your life but helping disabled adults and children realise it's what you CAN do that counts.
The money you raise could;
£100 - buy helmets and harnesses to be used on activities.
£300 - subsidize three, 3-night activity breaks.
£500 - subsidize a 2-night break for 7 children from a special school.
£1,000 - help buy an electric profiling bed.
So why not use #TeamCalvert as your motivation and become part of our Team. Start with the Great North Run this September 2018? Download, complete and return our Application form now or to find out more contact our Fundraising Team on +44 (0)1434 250232.


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Fully Licensed & Bonded
Situated in the attractive old village of Malia, the Selena View Studios are perfectly located for those looking to have an unforgettable night and a relaxing day in Crete. The apartments are just a short walk from the beach and the town centre, where during the day you can enjoy the sun and visit the many shops, restaurants and bars and during the night is when the fun starts. Guests at these modern studios will find everything they need to help keep them relaxed and comfortable, each a well-equipped studio featuring air-conditioning and opening out to a balcony with mountain, pool or town views. Each unit also has a kitchenette that is equipped with all you would desire to prepare light meals and Wi-Fi is available allowing you to stay connected to all the news back home. Recreational facilities at the accommodation includes an inviting outdoor swimming pool that is lined with a selection of loungers making it a great place to recover and unwind after an energetic night out. The multi-lingual staff are also on hand around the clock to ensure you have all you need for a truly memorable stay. Services offered include luggage storage, dry cleaning and laundry to name a few. *Official rating: 2**


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Plastic made mock-ups of human brains are on display during a protest prior the official presentation of the first results from PISA 2003 (Program for International Student Assessment) report by the OECD in Berlin, December 6, 2004.
About PISA (Program for International Student Assessment)
PISA (The Program for International Student Assessment) is an internationally standardised assessment that was jointly developed by participating countries and administered to15-year-olds in schools.
The survey was implemented in 43 countries in the first assessment in 2000, in 41 countries in the second assessment in 2003 and at least 58 countries will participate in the third assessment in 2006.
Tests are typically administered to between 4,500 and 10,000 students in each country.
PISA 2003 focuses on mathematics literacy, and in 2006, PISA will focus on science literacy.
Initial results from PISA 2003 are released in December 2004.
PISA Assesses:
– Mathematical Literacy
– Problem Solving
– Reading Literacy
– Scientific Literacy
PISA assesses how far students near the end of compulsory education have acquired some of the knowledge and skills that are essential for full participation in society. In all cycles, the domains of reading, mathematical and scientific literacy are covered not merely in terms of mastery of the school curriculum, but in terms of important knowledge and skills needed in adult life.
In the PISA 2003 cycle, an additional domain of problem solving was introduced to continue the examination of cross-curriculum competencies.
Mathematical Literacy – an individual's capacity to identify and understand the role that mathematics plays in the world, to make well-founded judgements and to use and engage with mathematics in ways that meet the needs of that individual's life as a constructive, concerned and reflective citizen.
Problem Solving – an individual's capacity to use cognitive processes to confront and resolve real, cross-disciplinary situations where the solution path is not immediately obvious and where the literacy domains or curricular areas that might be applicable are not within a single domain of mathematics, science or reading.
Reading Literacy – understanding, using, and reflecting on written texts, in order to achieve one's goals, to develop one's knowledge and potential, and to participate in society.
Scientific Literacy – Scientific literacy is the capacity to use scientific knowledge, to identify questions and to draw evidence-based conclusions in order to understand and help make decisions about the natural world and the changes made to it through human activity.
About 2003 PISA Results
The results of the 2003 Program for International Student Assessment (PISA) reinforce the importance of ensuring that students learn with real understanding so they can use their knowledge in life situations. The results also highlight the urgent need to address the achievement gap among groups of students.
PISA results show that 15-year-olds in the United States performed lower on average than their counterparts in the participating countries in both math literacy and problem solving.
The PISA results highlight the achievement gap among U.S. students, with white, Asian and students of more than one race outperforming Hispanic and black students. The United States demonstrated the strongest relationship of any country between socioeconomic status and student performance. Less affluent U.S. students were outperformed by their wealthier peers, especially in problem solving.
The recent PISA assessment concentrated on the math literacy and problem-solving skills of 15-year-olds to measure their knowledge in the context of everyday situations. The information gathered from PISA 2003 supports the Council's philosophy that students who learn mathematics with understanding are better able to solve problems that they have not encountered previously but will face in real-life situations outside the classroom. The PISA results call for a stronger connection between problem solving and real-life situations.
Source: nctm.org


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Let everyone know what's going on. Start using our networking tools to spread the word about upcoming events around town.
From alerting folks to a meeting about an important town issue, the next gathering of your book group, a real estate open house or upcoming tag sale, make this your first stop in getting the word out
Guilford, Missouri. You can view Guilford venues that host many Guilford MO events every year.
You can find a ton of properties for sale if you search the Guilford page on Zillow. Currently Guilford has an average listing price for homes for sale on the market of $154,813. More real estate facts about Guilford: The number of properties currently for sale in Guilford is 50. The median homes for sale listing price is $143,833. This is broken down with the number of three bedroom houses in Guilford consisting of 14 with an average listing price for these house of $191,622. Out of the 3 houses that are four bedroom the average listing price for Guilford is $162,385. Interest rates for Guilford are at historic lows as well.
Guilford Missouri has a latitude of 40.170299530029 and a longitude of -94.73819732666. View the full profile
On Yahoo, Yelp, SuperPages, AmericanTowns and 25 other directories!
Add your social media links and bio and promote your discounts, menus, events.
Be sure your listing is up on all the key local directories with all your important content (social links and product info).


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Graduate Studies Training
The College of Graduate Studies offers the following training to assist graduate program directors and their staff. The training sessions review graduate policies and procedures, resources and services, as well as systems (PeopleSoft, GradInfo, GWIS, DocView, etc.) available to you.
Please enroll in the training appropriate for your responsibilities as soon as possible. If you need help deciding what to take, contact one of the College of Graduate Studies staff listed below.
DocView access must be specifically requested by your department as annual usage fees are involved. To request a new DocView account, please visit www.cst.ucf.edu/about/enterprise-application-development/about-enterprise-imaging-systems/.
Registering for Courses
For online courses, register through myUCF > Employee Self Service:
- Log on to the myUCF portal (my.ucf.edu) using your UCF ID and password.
- Select Employee Self Service on the myUCF menu.
- Select Learning Development.
- Select Request Training Enrollment.
- Search via one of the four methods and enroll.
FERPA Training
Offered Online
This course is a prerequisite for College of Graduate Studies training.
Sign up on myUCF > Employee Self-Service for the SR100W course.
More information about FERPA can be found at registrar.ucf.edu/ferpa.
PeopleSoft Basics
Offered Online
This course is a prerequisite for College of Graduate Studies training.
Sign up on myUCF > Employee Self-Service for the PSC001 course.
Admissions Training
Offered Twice a Month
Sign up on myUCF > Employee Self-Service for the GSL001 course.
If the pre-scheduled trainings conflict with your schedule, please contact Brandy Pieper (email@example.com) for other options.
Student Services, Academic Progress, and Graduation Training
Offered Twice a Month
Sign up on myUCF > Employee Self-Service for the GRD001 course.
If the pre-scheduled trainings conflict with your schedule, please contact Deborah Christian (email@example.com) for other options.
Graduate Funding Training
Individualized Training
Approximately 1.5 Hours
Please contact Joy Kittredge (firstname.lastname@example.com) to arrange a meeting.
Graduate Catalog Review
An Annual Process
To receive access to make edits to your Graduate Catalog, please contact Carreen Krapf (firstname.lastname@example.com) with your NID and the list of programs for which you need access. Training videos and a manual are available online at https://graduate.ucf.edu/graduate-catalog-training/.
Thesis and Dissertation Policies and Procedures
Please see the Advising Thesis and Dissertation Students section of the Graduate Guide for information regarding thesis and dissertation policies and procedures.
Thesis and dissertation questions can also be sent to Nathalia Bauer (email@example.com).
Graduate Council Curriculum Committee
In Fall and Spring semesters, this committee reviews and makes decisions on requests for new tracks, certificates, courses, special topics, and requests for modifications or deletions to any of these programs.
Please refer to www.graduatecouncil.ucf.edu for more information.


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Over the next five years London/Stansted is aiming to secure direct services to at least 25 new long-haul destinations around the world.
Its aviation team is currently in Guangzhou, China, for the annual World Routes network development conference, where they will showcase London/Stansted's £600m redevelopment project to airlines from around the world as well as discussing network and growth opportunities.
They are looking to build on recent successes, including the launch earlier this summer of Emirates' daily service to Dubai as well as maximising the potential of existing runway capacity.
Chief executive Ken O'Toole said: "People from across the region, and businesses in particular, regularly tell us they want London/Stansted to offer a network of long-haul routes that will connect them to their key countries, customers and markets. Stansted sits at the heart of one of the UK's fastest growing and most successful economic regions, reflecting the competitiveness and ambition of the businesses trading here.
"In the past year we've secured six of the top ten most in-demand routes, including New York, Dubai, Boston, Washington, Toronto and Tel Aviv. Now we want to build on this success and add even more direct services to key destinations across China, India, North America and the Middle East."


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Americans are spendings less and less money in brick-and-mortar stores during the run-up to the holidays, shunning the crazy lines they once formed outside big-box stores on Black Friday.
The big picture: Shoppers plan to spend 57% of their budgets online but just 36% in physical stores, per a new Deloitte survey. Just 44% of shoppers say they will shop on Black Friday as much as in past holiday seasons, while 53% say they will rely on Cyber Monday as much as they have in the past.


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An NLP Approach in Communication
You connect with clients, decide and do things, manage team, promote products/services, do business/ freelancing - this is how you live everyday. No matter what you do, you can make a good use of email and thus, you can connect more, promote products/ services effectively, manage team efficiently, and live better. One of the most powerful tool that technology has brought us for free is email. Let's learn how you can turn emails into your assistant.
Expected result after session:
Participants are expected to know Communication basics, Why communication fails, Three main skills in communication, Communication pitfalls, basic email etiquette, writing skills, why people open emails, how to use email addresses, how to solve problems with email.
Results & Review from the Previous Participant:
"I really enjoyed and never get bored, especially the NLP and mind mapping terms were very worthy to me."
- GM Rashed, Business Development Manager of a renowned Multi-National company operates in Bangladesh
A Four hour Advanced Learning workshop on Advanced Excel ...Next Stage/ Career
A Four hour Advanced Learning workshop on Real Estate Sales ...Next Stage/ Career
This workshop has been designed for the Students, Fresh ...Next Stage/ Career
Business communication is a phrase that refers to ...Next Stage/ Career
(15% VAT is applicable in every purchase.)
55012120 & 55012122 , 01847290308, 01844519337, 01847 069208
Mohammad Mofidul Alam
General Manager, Training
Over the past several years, Bdjobs Training has secured a position of the pioneer for itself in the training and skill development space. The spin-off of Bdjobs.com, the country's largest online job marketplace, has played a pivotal role in inspiring a whole lot of other institutional initiatives around training and skill development. In 2006, Mofidul Alam Saikat, now General Manager of Bdjobs Training joined the organization when it was slowly eyeing expansion. Since he joined the organization, he has played a pivotal role in growing Bdjobs Training's business, has built a sustainable operation which continues to grow, has grown the number of training programs and improved the overall quality of its training that has been provided to over 25,000 professionals in the areas of English language, Marketing, Sales, ICT, Entrepreneurship development, Laws, Commercial, Pharmaceuticals, Finance, Accounting, Quality & Process, Industrial Engineering, Garments, Banking, HR, Development/ NGO, Project Management, International Academic Certifications and Leadership Skills. Also his experience includes managing government projects primarily focused on learning and job placement. Under his leadership, cumulatively more than 5000 fresh graduates were trained up and recruited by companies and online market places under those projects. Mofidul, an MA in English Literature, has been working in training sector for 17 years, acted as Proctor for Six Sigma Black Belt Certification examination by American Society for Quality, USA. He took part in TOT training by SDC & EADS, Leadership and Management training by Jan Bartscht, Co-founder & MD of Leadapreneur, Malaysia and Diploma in Computer Applications by The City & Guilds of London Institute, UK.
579 day, 11 hours, 24 minute ago
This workshop is very effective for our communication. We think that is very helpful to develop our email communication skills.


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Bhubaneswar: Soumendra Mohan Patnaik, who was appointed as the new vice-chancellor (VC) of the Utkal University in Odisha capital, assumed office today.
Patnaik was warmly welcomed by teachers and employees of the varsity.
He has taken over professor Ashok Das as the VC.
Prior to this post, Patnaik was working as Anthropology professor in Delhi University.


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All posts in Paula J Jackson RE/MAX Lakes Area Realty
Order your free copy of your credit reports and look for errors; use a trusted mortgage professional; get pre-approved; use a trusted real estate professional.Read more
The Federal Reserve Board's Triennial Survey of Consumer Finances recently revealed the net worth of a homeowner was $231,400 compared to $5,200 for a renter. The net worth of homeowners increased 15% from 2013 to 2016 while renters' decreased by 5%.
Appreciation and principal reduction are the two dynamics that affect a homeowner's equity. Each payment is applied to the interest for the previous month and the principal reduction to retire the mortgage.
A $300,000 home purchased with a $294,566 FHA mortgage at 5% for 30 years has an average monthly principal reduction $362 in the first year. Two percent appreciation would benefit the buyer by $500 a month. In this example, the equity grows by $860 a month for the homeowner. A tenant would have to invest $660 a month over and above the rent they're paying.
Based on the assumptions listed above, the $10,500 down payment would become approximately $85,000 of equity in seven years. Leverage and forced savings contribute to the difference in addition to the appreciation and principal reduction.
The rent paid by tenants help the landlord recoup their investment in the home and a return on their investment. Some people say, regardless if a person rents or buys, they pay for the house they occupy. The choice is whether to buy it for themselves or their landlord.
Check out some of the benefits using your own numbers with this fill-in-the blank Rent vs. Own.Read more
Pre-appproval confidence
There are so many benefits to getting pre-approved, it rarely makes sense to not do it.
Read more
Changing Air Filters
If this were a test, would you make an "A" on air filters 101?Read more
There is a little-known mortgage program that could provide the vehicle for the right person to get into a home. If a person sells their home to another for less than the fair market value, the difference in the appraised value and the sales price is considered a gift of equity for the buyer.
FHA requires that borrowers receive gifts of equity only from family members transferring title to the borrower.
An appraisal is required to determine the value of the home. The sales price is subtracted from the appraised value to determine the equity to be gifted. If a home appraises for $300,000 when the owner will sell it for $250,000, the gift is $50,000.
The gift is applied to the down payment. In this example, the borrower would have to qualify for a $250,000 mortgage which would require private mortgage insurance because a 20% down payment on a $300,000 home would be $60,000. If the buyer had an additional $10,000 in cash to put down, the PMI would not be required, and the monthly payments would be lower.
The seller would need to provide a gift letter stating the amount of the gift, the date the gift, and that no repayment is expected or required. It also needs to have the donor's name, address, phone, email and relationship to the buyer. In addition, the settlement statement will need to show the gift being credited from the seller to the buyer. The lender may require additional documentation.
Beginning in 2018, the annual gift tax exemption is increased to $15,000 per person per year and lifetime exemption to $5.6 million. The fact that the $50,000 exceeds the individual amount doesn't mean there will necessarily be any gift tax due now. The seller should consult their tax professional.Read more
It may be natural for first-time buyers to be unsure of the process of buying a home because they haven't been through it before but even repeat buyers need to know changes that have taken place since the financial housing crisis.
The steps in the home buying process are predictable and generally follow the same pattern. It certainly makes the move stay on schedule when you know all the different things that must be done to get to the closing.
- In the initial interview with your real estate professional, you share the things you want and need in a home, discuss available financing and learn how your agent can represent you in the transaction.
- The pre-approval step is essential for anyone using a mortgage to purchase a home to assure that they're looking at the right price of homes and so they'll know what they can qualify for and what the interest will be.
- Even with lower than normal inventory, it is difficult to stay up-to-date with the homes currently for sale and the new one just coming on the market. Technology has simplified this process, but the buyer needs to implement them.
- Showings can be accommodated online through virtual tours, drive-bys and finally, a personal tour through the home. Your real estate professional can work with you to see all the homes in the market through REALTORS®, builders or for sale by owners.
- When a home has been identified, an offer is written and negotiation over price, condition and terms takes place.
- A contract is a fully negotiated, written agreement.
- Escrow is opened to deposit the earnest money from the buyer as a sign they're acting in good faith. The title search is also started so that clear title can be conveyed from the seller to the buyer and that the lender will have a valid lien on the property.
- 88% of home sales involve a mortgage. The lender will require an appraisal to be sure that the home can serve as partial collateral for the loan. If the buyer has been pre-approved, the verifications will be updated to be certain that they're still valid. The entire loan package when completed, is sent to underwriting for final approval.
- When the contract is completed, at the same time the title search and mortgage approval is being worked on, the buyer will arrange for any inspections that were called for in the contract.
- After all contingencies have been completed, the transaction goes to settlement where all of the necessary papers are signed, and the balance of the buyer's money is paid. This is where title transfers from the seller to the buyer.
- Possession occurs according to the sales contract.
One of the responsibilities of your real estate professional is to make sure that things are done in a timely manner so that the transaction will close according to the agreement on time and without unforeseen or unnecessary problems.
Even if you're not ready to buy or start looking yet, you need to be assembling your team of professionals. Let us know and we'll send you our recommendations, so you can read about them on their websites.
If you have any questions, call us at (320) 762-7106; we're happy to help. Informed buyers lead to satisfied homeowners and that is better for everyone involved.Read more
Finding the right home is still the biggest challenge buyers are faced with in today's market as is shown in the latest Confidence Index Survey. Assuming the buyers find the "right" home with determination, perseverance and the help of a real estate professional, 88% of all transactions last year required financing to get the buyer's address on the home. 93% of first-time buyers needed financing.
Pre-approval is an essential step that needs to be handled before buyers begin searching for a home. The benefits to the buyer fall into the category of confidence.
- Knowing the amount you can borrow
the mortgage amount decreases as interest rates rise
- Looking at the right priced homes
price, size, amenities, location
- Comparing and identifying the best loan
rate, term, type
- Uncover issues early that could affect the most favorable loan terms
time to cure possible problems
- Bargaining power to negotiate with the seller and possibly, competing buyers
price, terms, & timing
- Settlement can occur sooner after contact is accepted
verifications have already been made
Items Needed for Pre-Approval
- Photo ID
- Two months current pay stubs
- Last two year's W2s
- Complete copies of checking and savings statements for last three months
- Copies of statements for IRAs, 401k, savings, CDs, money market funds, etc.
- Employment history for last two years with addresses and contacts
- Proof of commissioned or bonus income
- Residency history for last two years with addresses and contacts
- Assets for down payment, closing costs, and reserves; must provide paper trail
- If self-employed, last two years tax returns, current profit and loss statement and balance sheet; copy of partnership/corporate tax returns for last two years if owning more than 25% of company
- FHA requires driver's license and social security card
- VA requires original certificate of eligibility and DD214
- Other things may be required such as previous bankruptcy, divorce decree
Contact us at (320) 762-7106 or email@example.com if you'd like a recommendation of a trusted mortgage professional.Read more
When the standard deduction for married couples filing jointly was increased from $12,700 to $24,000 for 2018, there was some speculation that the bloom was off the rose of homeownership. The thought was that if the tax benefits from being able to deduct the property taxes and interest was less than the standard deduction, that maybe, the buyer would be better off continuing to rent.
With mortgage rates as low as they have been for the past eight years, payments have been lower and so has the amount interest that was paid. This and the fact that sales and local taxes, which include property taxes, are limited to $10,000 a year on the Itemized Deduction form have made it harder to reach the increased standard deduction.
The reality of the situation is tax benefits are only one of the components that make a home an excellent investment and it probably contributes the least of the top three benefits. Principal reduction and appreciation build an owner's equity in an automatic way that is like a forced savings account.
In today's market, it is common for the total house payment to be lower than the rent a first-time home buyer is currently paying. As a homeowner, the buyer would have additional expenses like maintenance and possibly, a HOA.
To illustrate the net effect, let's look at a purchase price of $275,000 with 3.5% down payment on a 4.75% 30-year FHA loan. We'll assume the home appreciates at 3% annually and the buyer is currently paying $2,000 a month rent.
The total payment is $2,115 including principal, interest, property taxes, property and mortgage insurance. However, when you consider the monthly principal reduction, appreciation, maintenance and HOA, the net cost of housing is $1,181. It costs $819 more a month to rent than to own. In a year's time, it would cost $9,831 more to rent than to own which is more than the down payment required to buy the home.
In seven-years, the $9,625 down payment would grow to over $58,000 in equity. The equity build-up far exceeds the tax benefits which some people would have as an additional incentive. Use this Rent vs. Own to see what the net cost of housing would be using a home in your price range or call me at (320) 762-7106 and I'll do it for you.Read more
It may be an all too common belief that a person will have a house payment and a car payment for the rest of their lives. However, with a plan and some determination, you can be mortgage free.
Planning for retirement is obviously important and many times, an activity plagued by procrastination. Some homeowners' goal is to have their home paid for by retirement, so they won't have payments. It makes sense to eliminate a sizable recurring expense before they quit working.
By making regular principal contributions in addition to the payments, the debt can be eliminated by the target retirement date.
Assume a homeowner refinanced their $300,000 mortgage at 4% last year for 30 years with the first payment due on May 1, 2017. With normal amortization, the home will be paid for at the end of the term.
Additional principal contributions with each payment will save interest, build equity and of course, accelerate the payoff on the home. An extra $250.00 a month would pay off the mortgage 7.5 years sooner. $786.81 extra with each payment would pay off the loan in 15 years.
Having a home paid for at retirement has the apparent benefit of no house payment. A debt-free home is also a substantial asset that could be borrowed against or sold if unanticipated events should occur.
To make some projections to pay off your own mortgage, use this use the Equity Accelerator calculator.Read more
The gutters and downspouts on your home are intended to channel rainwater away from your home and its foundation. When they're blocked and not functioning properly they can lead to the gutters coming loose, wood rot and mildew, staining of painted surfaces, and even worse, foundation issues or water penetration into the interior of the home.
Most experts recommend cleaning the gutters at least once a year. More often might be necessary depending on the proximity of leaves and other debris that could collect.
If this is a task that you feel comfortable about tackling yourself, there are few things to consider. If the debris is dry, it will be easier to clean the gutters. Safety is important, and precautions should be taken such as using a sturdy ladder and possibly, having someone hold it while you're on the ladder.
Other useful tools will be a five-gallon plastic bucket to hook on the ladder to hold the debris; work gloves to protect your hands from sharp edges of the gutters; a trowel or scoop and a garden hose with a nozzle.
? Start by placing the ladder near a downspout for the section of gutter to be cleaned.
? Remove large debris and put it into the empty bucket. Work away from the downspout toward the other end.
? When you're at the end of the gutter, using the water hose and nozzle, spray out the gutter so it will drain to the downspout.
? If the water doesn't drain easily, the downspout could be blocked. Accessing the spout from the bottom with either the hose with nozzle or a plumber's snake, try to dislodge the blockage.
? Reattach or tighten any pieces that were removed or loosened while working on the downspout.
? Flush the gutters a final time, working from the opposite end, as before, toward the downspout.
There are specialized tools at the home improvement stores like Lowes and Home Depot that can make this job easier. Check out their websites and search for "gutter cleaning".Read more


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It's an AFC-fest this week, with the AFC Cup and the AFC Champions League quarter-finalists set to be decided.
While the AFC Champions League round of 16 ties are played over two legs, it's do-or-die in the AFC Cup, with clubs having just 90 minutes to secure their spot in the last eight.
In the East Zone of the AFC Cup, Ceres-La Salle are in action first up, taking on South China of Hong Kong. The Filipino outfit surprised the Asian stage by coming top of Group E, unbeaten, and at the expense of Malaysian giants Selangor FC.
The reigning United Football League Division 1 champions thrashed Agila-Manila 10-1 last Wednesday and will hope to take that form into the Cup.
Despite this, Ceres coach Franklin Muescan is taking nothing for granted.
"It's hard to pinpoint any weakness in South China, but from our end, we want to show that we have good team spirit and we believe in the quality and capability of our players," he said.
South China showed what they're capable by beating Mohun Bagan 3-0 in the final round of the group stage to complete a three-match winning streak that saw them come back from the dead to grab a place in the last 16.
It's on the back of this run that South China coach Ricardo Rambo has said that his side are feeling confident heading into their clash with the heavy-hitting Ceres.
"We've had good results in the past three games, but this game is very important and we want to do well in the AFC Cup," Rambo said. "The team morale is very high and we're very eager to get a win to reach the next round, which is important for a club with history like South China.
Group E runners-up Tampines Rovers head to India to face Mohun Bagan. After a mouth-watering showdown against Selangor, featuring a stand-out performance from Jermaine Pennant, the Mighty Stags took the final qualifying spot with a 1-0 victory at the National Stadium.
The two teams have already faced off this season, with Mohun Bagan claiming a 3-1 victory in an AFC Champions League qualifying clash.
However, Tampines coach V. Sundramoorthy believes that the Tuesday's match will be a very different beast.
"We were in pre-season mood then and now it's different because it's midway through our season," he explained. "We have many games under our belt and mentally and physically we are ready."
Mohun Bagan coach Sanjoy Sen echoed his opposite number's sentiments.
"The last time we played Tampines, it was different. There are a lot of changes so it will be a different ball game," said Sen. "They have strengthened the team so it will be tough for us."
Matters are made tougher for the I-League side by the fact that they will be without key players midfielder Katsumi Yusa and forward Sony Norde, but they remain favourites to secure the win.
Along with Ceres, Kaya FC are also looking to book their place in the quarter-finals.
It's an historic year in the competition for the Philippines with not one but two sides in the knockout phase. It's the first time any side from the Southeast Asian island nation has made it to the last 16. Makati-based Kaya play Group H toppers Johor Darul Ta'zim F.C. in Malaysia.
Kaya know that that they are up against it as they travel to Johor to face the defending champions, but spirits in the camp remain high.
Best fans in the Philippines! Great support at training tonight before we head to Malaysia in the morning! @KayaFC pic.twitter.com/NJvjc7e44p
— OJ Porteria (@MrPorteria) May 22, 2016
JDT head into the clash on the back of a 6-0 thrashing of Pahang. The Southern Tigers have won six trophies in the last three year and have their eye on further silverware.
"I want to see consistency from JDT, where the players and coach also have the same desire like me," JDT owner Tunku Ismail Sultan Ibrahim recently told The Star.
"I want to make sure that JDT will always compete at the highest level – which is the AFC Cup or the Asian Champions League."
After making it to the final of the Hong Kong Season Play-off on Sunday, Kitchee SC host Bengaluru FC of India in their round of 16 tie.


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'Fodder crisis supports must be extended to see out May'
A further extension to the fodder transport support schemes – in light of the continued poor ground conditions in many parts of the country – has been called for by the Irish Cattle and Sheep Farmers' Association (ICSA).
ICSA Cavan chairman Hugh Farrell said: "Countless farmers have yet to get stock out to grass as the land has yet to dry out sufficiently.
"In Cavan and surrounding counties it could take another two to three weeks of feeding before we'll be out of the woods."
However, Farrell argued: "The weather forecast for this week is no better than it was for last week. A bit of an improvement at the weekend will give us a start but it will take a bit of time for the ground to dry out.
"We can't afford to have cattle out doing too much damage poaching the ground.
It will also take a bit more time before the grass growth kicks in. For something that has been described as a 'short-term problem', it's certainly dragging on.
"Many farmers continue to have the same problems as they've had for months now," the chairman said.
"There is no excuse for not extending these schemes until this crisis has well and truly passed. ICSA believes that an extension until at least the end of May is more than warranted."


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Repay Your CashCall or Western Sky Loan?
I have a loan with a company called Cash Call that I am behind on, they are not willing to work with me. What are my options?
If CashCall or Western Sky cannot convince you to pay through standard collection tactics, such as phone calls, it may decide to file a lawsuit against you to obtain a judgment for the balance of the debt. If CashCall or Western Sky sues and obtains a judgment against you, it can then take steps to enforce the judgment as allowed by your state law. The most common methods of enforcing a judgment are wage garnishment, bank account levies, and property liens.
Most lenders do not sue debtors to collect debts. A lawsuit is a worst-case scenario, which you will probably not experience. However, take a moment to learn your state s collection laws so you are aware of what actions your state allows.
Repay a CashCall or Western Sky Loan?
In December 2013, the Consumer Financial Protection Bureau (CFPB) filed a lawsuit against CashCall (PDF) and its related companies Western Sky Financial and Delbert Services Corp. alleging the companies engaged in unfair, deceptive, or abusive lending and collections practices. The CFPB is asking the court to order CashCall to refund money to consumers in states where the loans were illegal, and pay penalties.
Do you need to repay a CashCall or Western Sky loan? The answer is unclear. At least five states have filed lawsuits against CashCall in 2013 for offering residents in their states loans with illegal terms. If state courts find the loans are illegal, CashCall may need to return all of the interest and fees borrowers paid to the lender. But what do the pending state and federal lawsuit mean to you if you have a CashCall or Western Sky loan now?


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Focus Ag
Second 5 Year Strategic Plan for Agriculture Unveiled
Much of the success the state's agriculture industry has enjoyed is due in part to having good operating plans — one of them being a five-year strategic plan initiated by the Kentucky Agriculture Council (KAC).The group recently... Read more
Jim Akers, a True Kentucky Cattleman
If there is one person who knows Kentucky's cattle industry, it most assuredly would be Jim Akers, the chief operating officer of the Bluegrass Livestock Marketing Group.Akers has been involved in the cattle industry for many... Read more
Algae Holds the Key with Population Boom
Algae had a prominent focus at the recent Alltech conference in downtown Lexington — a conference that addressed the challenges of feeding an exploding world population.The microorganism that grows in preponderance in wet places... Read more
Green BEAN Brings Local and Natural Options to Your Doorstep
We've all been there: staring at the inside of our refrigerators, finding only enough ingredients to make a very disgusting sandwich. Lacking the motivation to go to the grocery store, we [...] Read more
From the Ground Up: it All Starts with Hay
Waving fields of hay will soon spring up around the outskirts of Lexington, marking the start of a new growing season for one of the state's agricultural commodities. Hay is the third largest [...] Read more


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WP2: Intelligent Holistic Energy Management & Control Platform
- Equipment and system-level thermal models
- Energy optimization and control algorithm development
- Evaluation of control algorithms in simulation environment
Year 1 Achievements
WP2 concentrated on developing a common understating among the GENiC partners of how the GENiC components should interact with the supervisory energy optimization and control algorithm and the system-level thermal control algorithm. An initial design for the energy optimization and control algorithm, which is to be deployed within the Supervisory Intelligence GENiC component, was developed.
Year 2 Achievements
GENiC simulation platform available.
Final version of energy management algorithm and simulation based assessment is complete.


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eBay is good for a great many things. From buying to selling, across the board there is a wealthy treasure trove of all kinds of products whether it's electronics you're looking for or a vintage piece of clothing you just can't find anywhere else. eBay's mobile app has been available for a long time now, but like any other company with an app and a development team, they're continually updating it to improve the user experience with new features and added performance improvements. Their latest version of the app which should bring users up to version 4.0 is nearly ready for the big time, and once eBay has completed beta testing they'll likely end up rolling it out to users on their respective app stores.
If you're interested in getting your hands on the 4.0 beta, you can do that. You can't just download it though. It isn't available in the Play Store yet and unlike other apps or games that give users the ability to sign up for the beta via a Google+ community, the eBay 4.0 is a closed beta which means you won't immediately be granted access. To be considered for the beta you have to submit a request form, but luckily for those who hate request forms this one only has a few questions on it.
You simply enter in which device platform you want to use the app on (iOS or Android), your email address, and the country you reside in and hit submit. Yep, that's all there is to so things are quick and easy. At this point it's a waiting game as eBay tells you that you'll be contacted by a partner with a download link to the closed beta. Unfortunately this leaves everybody (except those included in the beta) without any details as to what this version of the app includes so we can't tell you what new changes or features to look forward to. If you regularly use eBay and were interested in signing up for the closed beta for the 4.0 app version, you can find the submission request form from the link below to get things started.


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To live
a life of purpose:
it is what I desire
at the core
to observe, to learn
to listen, to love
to be around those I love
whenever I can
there will be names to learn
at every turn
don't turn your soul away
from the very Being it is–
I wish to look at it
in all souls,
to write words that express
what it's like for children
who eat bags of chips for breakfast and lunch
go to court before dinner
and complete non-existent homework
their teacher assigned today in class
I want my words to depict a face
to feel a face
to make you not wish you were there
but know that at some level,
you were.
I still believe that life is art
waiting for us to wake up
and capture it.
July 2, 2015


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Inside The Bait Ball 3
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Format: digital, 3000+ pixels longest side
Property release: no Model release: no
Description: inside the bait ball 3
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This image is copyright protected. There is a fee for any use. This website is not a source of free images.
To make a useage enquiry, use the contact form and quote 'Stockphoto ID 1466065'


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Copyright 2008-2014 Sing Yue Technologies Limited Liability Partnership (Reg No. T08LL1542E). All Right Reserved.
Frequently Asked Questions
Q : What is PV?
A : PV stands for photovoltaic. Photo = Light and Voltaic = Electricity. A solar cell converts
light to electricity.
Q : How PV convert energy?
A : A solar cell is made of silicon. Basically, when light strikes the surface of a solar cell
some of it is absorbed into the silicon. This light energy bumps the electrons loose and
causes energy to flow.
Q : What is Grid-Tie system?
A : A basic Grid-Tie system generates electricity when the sun shines, supplying power to
your home and sending any excess power back to the utility. DC power produced from your
solar array is converted by the Grid-Tie inverter into AC power, which is then sent to your main
electrical panel to be used by your household appliances.


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The main calendar event of autumn, crouching at the end of October like a black cat peering into November and the beginning of winter is Hallowe'en (a term which derives from "All Hallows Eve").
Originally a Celtic festival, Hallowe'en is now particularly associated with America, and elements of the US version have become globalised, mainly through our familiarity with films and TV shows. The key elements of Hallowe'en are now quite familiar, although some of their significance has been lost (or mangled) in cultural translation:
(S)mashing Pumpkins
Look in the window of any shop at this time of year and the chances are you will see a sinister grinning face cut out of an enormous pumpkin – perhaps with a light inside producing a supernatural glow from the eyes and serrated teeth. (This is known in North America as a Jack-o'-lantern.)
Although pumpkins are fairly common throughout Europe and North America throughout the year they seem to come into their own at Hallowe'en. Part of the botanical family that includes zucchini, courgettes and marrows, pumpkins make excellent autumn/ winter dishes and can be sliced, diced, mashed, boiled and baked. As well as making great comfort food (something hot and filling which is quite simple and unsophisticated), pumpkins feature in the traditional Thanksgiving dinner in North America.
In Italy, pumpkins seem significant merely for their seeds - and as the source material for self-consciously foreign Jack-o'-lanterns, visible mainly in shops and bars. Zucca (Italian for pumpkin) happens to be the name of the iconic café in the Galleria Vittorio Emmanuele in Milan's Piazza Duomo, where Gaspare Campari launched his eponymous drink.)
Trick or treat?
Trick or treat (often used in the phrase "to go trick or treating") is the main activity associated with Hallowe'en. Let's have a quick look at the what the words trick and treat mean first:
- A treat is something very nice (and usually unexpected). For example, if a child at school gets excellent grades in the end of year tests, their parents may take them to a theme park or the cinema as a treat. You can also treat someone to something, such as a free meal in a restaurant – or, indeed, you can treat yourself, or give yourself a treat.
(Note that treat also has the completely different meaning of "give medical attention / care to", e.g. a doctor can treat a patient for a disease or other condition, such as chronic (long-term) backache.)
- A trick is the complete opposite. If you trick someone (or play a trick on them) it means you do something horrible to upset that person.
Conversely, trick or treat is a well-established and accepted part of North American culture (where it originates from in its modern form). People prepare for the arrival of the trick or treaters by baking little cakes and making sweets which they hand out to their ghoulish visitors. In Britain the tradition has never really been integrated into the cultural life of the nation, so people are uncertain how to react to having a gang of vampires and ghouls turn up (arrive) on their doorstep. A lot of children simply take the occasion as an opportunity to demand some loose change, while those in more deprived areas might actually use the situation as a chance to settle scores on unpopular neighbours or to terrorise older residents, many of whom don't really understand what the whole thing is about.
(On the topic of socially-accepted forms of manic but non-threatening behaviour, I have to say that I found the celebrations in Milan for Carnevale in February something of a revelation. The soft-centred - and largely alcohol-free - daytime festivities in Piazza Duomo (intended mainly for children) are a riot with thousands of people "attacking" each other with confetti (coriandoli) and silly string – but without any of the associated tensions or public order problems that usually marr similar events in the UK (in particular the Notting Hill Carnival). I think this will be a future (seasonal) blog post.)
Monster Munch
Hallowe'en parties seem to be mainly either the preserve of either children or an excuse for clubbers to dress up as ghouls and vampires at a themed event. As with 5th November, there isn't an associated holiday, widely-observed religious festival like Christmas (but see All Saints Day below) or critical secular moment, such as New Year's Eve (particularly on the following day) so the prospect of a wild celebration followed by what could be a working day has little appeal to people who have already left school or have only just heard of Facebook.
However, a few traditions survive, notably traditional Hallowe'en games, such as "bobbing for apples", which involves biting an apple floating around in a bowl of water – try it: it's harder than it sounds.
Incidentally, All Saints Day on the 1st November and All Souls Day on the 2nd are purely religious occasions for churchgoers in the UK – very much a minority of the population. All Souls Day, which is hugely significant here in Italy, seems to be a particularly Catholic occasion. There is no UK equivalent of the streams of Italian families tidying up relatives' graves and placing bunches of fresh flowers on them in preparation for the main All Souls Day - or the all-night graveside vigils held throughout the (particularly Spanish-speaking) Catholic world.)
Is there anyone there?
Both Hallowe'en and All Souls Day are characterised by radically different ways of thinking about death, the after-life and the "other side" in general. Whereas Hallowe'en is treated as a bit of a laugh – with kids dressing up as characters from the Adams Family – All Souls Day is a serious, sombre occasion in countries where the Church is still highly influential. However, in a largely secular country like Britain – and in the non-religious sections of North American society – the "big questions" still need to be addressed: life, the universe and everything. Perhaps the folk culture of the past, pagan traditions and modern horror films that draw on ancient superstitions and legends seem more palatable to those who have little or no connection with conventional organised religion. Just as Dan Brown tapped into a vast subterranean reservoir of secular interest in things spiritual and religious by means of the best-selling mystery thriller "The Da Vinci Code" – so the appearance of miniature mummies, ghosts and Freddie Krugers at Hallowe'en could represent one aspect of a nagging secular suspicion that there might be something more to life than PSPs, Nikes and Chicken McNuggets®.


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LuckyCoupon Ads have been noted to bother many active Internet surfers as per today. The adware has in mind to make users click on its intrusive ads. Hence, the more clicks are made by you, the more income is generated for the people who stand behind this disgusting applications.
LuckyCoupon adware may cause a lot of troubles for many users. For example, you may be easily brought to a lot of unsafe domains in the world wide web, through which your computer may be further contaminated with different unwanted applications. Some of them, by the way, are fairly considered as serious computer infections which you should avoid.
How does LuckyCoupon get into my system?
LuckyCoupon adware is spread in the web through being bundled by default with a lot of other free programs. Users who spend a lot of time downloading and installing freeware must make sure they don`t allow any concealed installations to occur in their computers by default. It is of utmost importance to read the information contained in the freeware installers, to avoid any unpleasant surprises in the future.
How to remove LuckyCoupon?
If you detect LuckyCoupon and don't wish to keep it on your PC, then you can follow the removal guide given below to remove it. You may choose a manual method to delete this infection, but it should be reminded that, the manual removal is a cumbersome and risky task which must only be attempted by advanced users. If you are a novice user, it is a better option to use an automatic removal tool, for instance Trojan Killer by GridinSoft.
Removal tool for LuckyCoupon:
Automatic removal instructions:
- Scan your system with GridinSoft Trojan Killer and click on "Apply" at the end of scan:
- Shut down all your browsers.
- In Trojan Killer's window click on "Tools" and select "Reset browser settings":
- Specify all your browsers you want to be reset with the help of Trojan Killer, then click on Reset" button again:
- Restart your computer.
Video explaining how to reset your browser using GridinSoft Trojan Killer:
How to prevent your PC from being reinfected with LuckyCoupon in the future.
GridinSoft Trojan Killer offers excellent solution which may help to prevent your system from being contaminated with malware ahead of time. This feature is referred to as "Real-Time Protection". By default, it is disabled once you install the software. To enable it, please click on "Protect" button and press "Start" as demonstrated below:
This options helps you to prevent execution of malicious programs and to avoid their installation ahead of time. When certain malware tries to install itself into your system, GridinSoft Trojan Killer and its Real-Time Protection module will terminate this installation attempt ahead of time. You may click on "Confirm" button to continue blocking this malicious program, or to select "Ignore this file" and allow the malicious application to be installed (at your own risk):


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The veil of secrecy surrounding Disney's hotly anticipated Star Wars Lands was lifted last night, giving the media its first look at the next generation addition to Disneyland and Walt Disney World.
The announcement is so big, that it's gotten its own pavilion — Star Wars: A Galaxy of Stories.
The Star Wars Land expansion is the largest single land expansion in the company's history, and you can tell by the model that was presented. It positively dwarfs previous expansions such as Pandora – The World of Avatar, and should provide guests with a fully immersive experience.
Inside the Magic captured the reveal in the video below…
They also provided a walk around of the pavilion, which shows off a variety of models of creatures, props and vehicles…
Some of what can be seen include a new trackless ride system for an attraction known simply as "Battle Escape."
First look at ride vehicle for @StarWars Land. #D23Expo2017. pic.twitter.com/KE1b3OZY4s
— Inside the Magic (@InsideTheMagic) July 14, 2017
Some more photos of props and costumes from D23.com…
Star Wars Land will absolutely be a game changer for Disney, and might be the "Potter killer" they've been looking for.
You'd better book a 2019 trip to Disneyland or Walt Disney World now, because when it comes to anticipated crowds, I have have feeling about this…
Stay tuned to The Kingdom Insider for more news from D23 this weekend.
[Source: Inside the Magic]
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LivePet, LLC is a life science company oriented to all types of mammals. The founders of LivePet, LLC truly believe in the axiom of improving life by using nature's chemistry. Consistent with this philosophy, LivePet, LLC centers much of its product development around lipo fullerenes, mainly Carbon60.
Dogs play a central role in the LivePet, LLC family. The American Heart Association has also weighed in on this, for those who want to reduce their risk of deadly heart disease. Dogs, besides being, great companions will generally make their families more active and less susceptible to the effects of stress. http://circ.ahajournals.org/content/early/2013/05/09/CIR.0b013e31829201e1
LivePet, LLC's managing member has rescued thirteen Greyhounds and over ten dogs of various mixed breeds. In several cases, the dogs were over 8 years old and weighed over 100 pounds. As a company, we fully understand the physical and emotional strain when a family member suffers declining health. Our product, Companion60, is designed to enhance the immune system and ease those pains. Companion60 is a supplement that will fight inflammation and reduce much of the soft and cellular tissue damage caused by inflammation, without any observed or reported negative side effects. Companion60 is also a potent antioxidant (270 stronger than vitamin C) that assists in the elimination of free radicals that are responsible for accelerated aging and cellular damage.
Our earlier posting discusses the genesis of Carbon60. It is 60 carbon atoms combined into one molecule. Carbon60 is a natural molecule. These articles referring to NASA's discovery of Carbon60 in space exemplifies how abundant the molecule is in our world and beyond. https://www.nasa.gov/mission_pages/spitzer/news/spitzer20120222.html https://www.chemistryworld.com/news/buckyballs-give-clue-to-space-mystery/3000661.article http://www.nature.com/news/buckyballs-in-space-solve-100-year-old-riddle-1.17987
LivePet, LLC has researched Carbon60 for several years and spent the last three years conducting laboratory and clinical trials testing our compound, Companion60, that includes Carbon60. The results of LivePet, LLC's extensive testing showed a significant reduction in inflammation with no negative side effects. Companion60's reduction of cytokines, which are an indication of inflammation, exceeded the reductions published by its major competitors.
Inflammation is responsible for many immune problems within suffered by mammals. It is better explained in the published editorial of September 27, 2004 in The Journal of Inflammation.
Consistency in quality raw ingredients and production methods are essential to the success of any formula. LivePet, LLC uses a proprietary processing method that ensures the most effective bonding of lipids and Carbon60. Other all natural ingredients are combined with Carbon60 in LivePet, LLC's proprietary formula, Companion60, to achieve a synergistic effect that maximizes its benefits with no negative side effects. Consistency is our mantra.
We hope Companion60 will provide your companion with a better quality of life and a renewed interest in favorite activities. LivePet, LLC is dedicated to improving the long term health of our most beloved companions.
"Until he extends the circle of his compassion to all living things, man will not himself find peace." – Albert Schweitzer


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Posted by Alexander Rogers in Uncategorized | Comments Off on Reasons To Retain A Personal Injury Attorney In New Port Richey
Reasons To Retain A Personal Injury Attorney In New Port Richey
Your family depends on you to help support them, but who will be there for you if you are injured and unable to work anymore? If you were injured in a serious personal injury situation, it may be a good idea for you to contact a personal injury attorney in New Port Richey, FL to help you get the best settlement that is possible. It is well within your legal rights to attempt to handle your negotiations with the insurance companies by yourself, but unless you have an extensive knowledge in the various inner workings of personal injury law, you will likely be taken advantage of by a much more knowledgeable legal team on the insurance companies side. It is a proven fact that simply having a lawyer represent you in court will get you a bigger and better settlement than if you tried to negotiate your case by yourself, so do yourself and your family a favor and hire a lawyer to help you take care of your personal injury claim.
There can be many different situations in life where you could get injured and need the help of a good personal injury attorney in New Port Richey, FL. Negligent drivers are one of the leading causes of personal injury in this country. Being out on the road surrounded by young and inexperienced drivers can often times lead to trouble. Car accidents are a frequent occurrence, and an injury is not a hard thing to get in a heavy impact crash. Personal injury attorneys will use their extensive knowledge of injury law to develop a defense as to how the accident took place, and they will use this as their negotiating tool to get you a settlement that is right for you.
If you have been injured and are unable to work, don't give up. There is still hope that you can get the settlement that you deserve to be able to support your family. H. Dennis Rogers, P.A. can help you get your life back together. Their firm is dedicated to providing quality service to their clients that are looking to get a fair settlement from the insurance companies over their personal injury. He can handle any personal injury, medical malpractice or wrongful death case that you have, so contact them today.