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Struggling to find the best buy-to-let mortgage in Newport? speak to one of our buy to let mortgage advisers today
The term 'buy to let' generally refers to either the practice of buying a property to be let for profit or to the type of mortgages used to purchase a property for such letting. Many countries, both in the western world and in the developing nations, have seen a surge in the growth of the buy to let property market in the last 2 decades and this has fuelled a growth in amateur landlords and the but to let mortgage providers who are keen to encourage and profit from them in turn. In addition, this growth has generated a lot of commerce in other related sectors such as buy to let insurance.
Do You Need A Mentor To Buy An Investment Property As A Beginner? (Buy To Let)
Many countries, both in the western world and in the developing nations, have seen a surge in the growth of the buy to let property market in Newport the last 2 decades and this has fuelled a growth in amateur landlords looking for quality mortgage advice, this is why mortgage brokers in Newport who specialise in Buy-to-let are so important and the but to let mortgage providers who are keen to encourage and profit from them in turn. In addition, this growth has generated a lot of commerce in other related sectors such as buy to let insurance.
Newport Buy to let mortgages have been available in the UK since the mid-nineties and they are specifically designed for investors to borrow money to purchase property in the private rental sector. The amount that a prospective but to let investor can borrow is generally determined by the rental valuation of the property. The annual income for a rented property has to cover a certain percentage of the mortgage repayments, the Association of Residential Letting Agents (ARLA) states that landlords should seek to be able to obtain gross rent returns equivalent to between 130 per cent and 150 per cent of the rental property's mortgage repayments, this takes into account the surplus rent to cover costs of property maintenance and slack periods when the property may be vacant of tenants.
Newport Buy To Let Mortgages.
Some buy to let mortgage lenders in Newport will lend you a maximum sum based on a multiple of your salary (usually a multiple of three) plus a percentage of the forecast rental income on the property. So if your annual salary is said 30,000 Franks and the forecast rental income is 10,000 Franks they will lend you 95,000 Franks. Other mortgages, in addition to factoring in your salary, will include any existing loan commitments you have, and then apply what is known as the 'deduction rule'. This rule relates to the annual mortgage payments worked out at a pre-set level of interest.
Buy to let mortgage interest rates are generally fairly close to residential mortgage rates but will generally be slightly higher and typically charge higher fees. This is due to the fact that buy to let loans are considered by the financial sector to represent a greater risk than residential owner-occupier mortgages, and they generally are.
The Situation in the UK About Buy To Lets
The buy to let market literally 'exploded' in the Newport around the beginning of the millennium with rising property prices and the increasing availability of buy to let funding fueling a surge in would-be investors trying to cash in on the trend of the market. One reason for their popularity is the tax advantages that are available to the UK buy to let investors. Rental income is treated just like a salary by the Inland Revenue, and is therefore often taxed at 22% or even 40%. However, landlords are allowed to deduct costs from the taxable portion of their rental income, and these costs can include the interest of the buy to let mortgage repayments as well as maintenance costs on the property. These tax incentives made the buy to let market very attractive for both professional investors and amateurs looking to make the most out of their savings.
Would-Be Buy-to-let Investors
The market peaked around 2007 and now the market is saturated in many areas across the country with too many properties available to tenants. While buy to let is generally not a good idea for people who do not possess some extra budget there are a lot of remortgage deals which will fund a deposit for a home. If you are worried about losing money during void periods many companies will provide insurance which can deliver as much as six months mortgage payments in the event of a property in Newport remaining unoccupied.
You may still be lucky, and find a hotspot but you need to do your homework and the figures correctly. Buy to let trends differ from town to town and literally from street to street. Good advice for potential investors is to visit the local letting agents who should be able to tell you who is renting what at the moment so you can define your target audience. It could be students, young professionals or families, for example. Look for areas that do have a shortage of properties and for indicators that people will move there, such as new business developments.
Buy to let mortgage deals are still rife and the rates are almost as competitive as with conventional deals. The mantra with your buy-to-let must be 'don't expect to get rich quickly'. You need to look long-term: an absolute minimum of five years – but probably nearer to ten years.
hi there this is Emma from Martin & Co Estate agents here I've got my midweek buy-to-let deal of the day for you to have a little look at so the one I picked up with you today is a two-bedroom modern apartment on duty around in chelmsford now this one is modern.
Goodier Road is a very good location in Chelmsford you're walking distance to Centre, train station and all the shops that Chelmsford has an offer and the property is in very good condition quite neutral decor which is good and allocated parking as well which is by most especially being this close to the city centre where parking is always a premium and so we know this property is a good-looking property, it takes a lot of boxes on that front just come on the market with property street and it has an asking price of £249995 so price-wise it's pretty competitive with similarities in the area and and if we have a look at rental potential now and potentially you're going to be looking around about the 900 pounds a month mark.
We rented one very similar to this in the area, maybe this individual block for £900 and so that's a pretty good indication of an accurate figure for you.
Now we do a little yield calculation and the £900 rent against our asking price of 249995 and that could potentially generate you an annual return 4.
3 percent so it's a pretty good return also of course that isn't taking into account the service charges or ground rent but of course you know we All in all the figures do seem to stack up if this property is of interest to you better get in touch with the agent who is advertising it, Property Street to book yourself a viewing because properties are flying off the shelves like hot cakes at the moment so you don't be missing out thanks for checking in and I'll speak to you all in a couple days with my next buy to let deal of the day.
Property Management | Finding A Letting Agent For Your Buy To Let | Real Estate Investing Tips
Hi it's Rob from Property Investment UK andin today's video we're going to be looking at service accommodation or corporate buyto let, what it means and also how to find proper deals that might be suitable for youif you're interested in this strategy.
Corporate buy to let or service accommodationare very similar in terms of the way in which we approach those particular properties andstrategy but effectively let's separate them out for a second.
Corporate buy to let iseffectively where you've got a rental property and buy to let that you would rent out toa corporate tenant profile.
Instead of renting it to an individual, you would rent it typicallyto a company, an organisation that would hire or rent that property for a period of time,usually six to twelve months, but it can be shorter or slightly longer, depending on thecompany.
Then they would look to rent that effectively for high level staff members orconsultants or contractors that would work within their organisation to stay and liveand work in that place for a period of time.
It's much better for them to do that, ratherthan renting out hotels or renting out a separate property and the reason primarily for thatis because this is where the serviced element comes into it.
Instead of renting out justa straightforward buy to let, what they get is more of a service in terms of all billsare included, it's fully furnished.
From a company's point of view, from their clientand the person that's staying in the property's point of view is they can just simply turnover the bag and everything is ready to go.
It's fully look after for them which is great,ticks all those boxes.
It's much better, much more flexible than just going out and rentingand trying to sort out all those bits themselves.
Separate to that in terms of why they wouldn'tstay in a hotel is hotels can be very costly and they don't always have the flexibilityto have that property over a long period of time.
Within the Property Investments UK website,we have a number of different articles and videos about serviced accommodation and thebenefits to this is it's taking the strategies.
I've put some links below this video intothat for you so you can see some further information if you wished.
Hopefully this video is justto give you an idea of what a corporate buy to let, or serviced accommodation propertyis.
I'll also put some links below this video, and available property deals that we currentlyhave available as ready to go investments for you at the moment that fit this particularstrategy.
On our website, for every single categoryI only list one available property deal that's shown on the listing but we do have many moreopportunities available.
If for any reason that property, you maybe want to consider,you like their strategy but you want to look at some other areas or you want somethingthat's maybe got a slightly different kind of rental income, then simply get in touch,give us a call, send us an email.
I'm more than happy to introduce you to different opportunitiesthat we have currently live, available that fit this particular corporate buy to let servicedaccommodation type strategy.
I hope that video helped.
Any questions, don't hesitate to ask.
I look forward to catching up with you next.
All the best.


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Paradigm: Legend v.3 Home Theater Speaker System
Sometimes boring is better, like Canada's boringly complete and universal health care, boringly low crime rates, and boringly high educational levels. And then there's the boringly predictable excellence and value of the speaker systems that march south from Canada to the showrooms and home theaters of the lower 48. One of the latest is this system from Ontario's Paradigm, comprising a pair of compact towers for the left/right front channels, a large center-channel speaker, a pair of dipole surrounds, and a formidable powered subwoofer, all for less than two grand.
The Legend v.3 tower derives from the speaker that anchored the Paradigm Legend system we reviewed back in September 1999. Yet despite its similar appearance, the new model has little in common with the earlier one. The latest edition sports four redesigned drivers in a "2 1/2-way" system, and forgoes the powered-subwoofer section.
Like its predecessor, the Legend v.3 is tall, slim, and nicely finished in "rosenut" woodgrain vinyl with a black knit grille. With the internal subwoofer gone, Paradigm now suggests using its PDR-12 to fill in the bottom-octave rumble of movie soundtracks and demanding music. Compact for a sub with a 12-inch driver, the low-slung PDR-12 is finished to match the Legend v.3. The CC-270 v.3 center speaker employs essentially the same drivers as the top two-thirds of a Legend v.3 - dual 6 1/2-inch woofers and a 1-inch dome tweeter - in a conventional horizontal array. The ADP-170 v.3 surround has twin two-way panels firing out of phase from a compact, truncated-wedge cabinet.

subset: commoncrawl


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Conference and Event Services - Lodi and Rutherford
Felician University Offers Spacious and Intimate Venues for Community Organizations and Businesses Looking for Places to Meet and Hold Events
Whether your organization is looking to sponsor a concert for 1500 or host an intimate affair for 150, look no further than your own backyard. Felician University offers several modern, air-conditioned venues on its Lodi and Rutherford campuses for rent to civic, charitable, and private organizations and corporations. The Rutherford Chapter of UNICO, Estrada Entertainment, the NJ Foundation for Dance and Theater, and several Polish cultural shows, have already taken advantage of Felician University's comfortable meeting rooms and gathering halls.
Lodi venues available for rent include:
John Breslin, Jr. Theatre with a seating capacity of 1500, which includes plush seating and a large stage
Goya Dining Hall which seats 350 and offers catering services
Groups of 150-250 are easily accommodated in either:
- Harmony Hall
- Lecture Hall
Groups of 35-45 are easily accommodated in various classrooms.
Consider hosting your next event at Felician University. Felician offers a variety of venues that fit a variety of needs.
...from lively concerts to intimate dinner parties
大家赢娱乐 ...from dance recitals to informative seminars
大家赢娱乐When helping to plan your event, Felician's Community Cultural Affairs Office works hard to accommodate your space needs...whatever they may be!
Here's what some of our customers have to say...
|Kathy Renna Director of APPLAUSE
|APPLAUSE PERFORMING ARTS CENTER has used the Breslin Theater at FELICIAN UNIVERSITY since 2005. We have performed many wonderful shows there that have thrilled many community members and delighted school trips for many years. Those shows include ANNIE, THE WIZARD OF OZ, BEAUTY AND THE BEAST, FAME, GREASE, BYE BYE BIRDIE, and MANY MORE. The Theater is expertly run by Director of Community Affairs, Mary Mallia, and her wonderful team of talented, helpful and dependable staff. We consider FELICIAN UNIVERSITY like our family. They are always accommodating and kind in all of their dealings with us. We look forward to many more years at their beautiful Theater.
|Len Leuci Administrator and Assistant Coordinator of the Jesus Story Bible Baptist Church
|Thank you for your faithful support and hospitality in assisting us with our leading community outreach. We are thankful to have a long lasting relationship with Felician University and its staff and look forward to many more years of working together
|Joan Saingas Office Manager - Bergen Catholic High School
|We have utilized Felician University facility for many years and look forward to our continued success because of your accommodations. "Thank you for Everything"
|James Wentick - New Apostolic Church
|We have been utilizing Felician University for our special events for 40 years. It is like a second home to us, and the staff and Facilities are second to none!
To book a venue for an event, or if you have questions, please contact:
Mary F. Mallia
Director of Conference and Event Services
Phone: 201-559-6072
Fax: 201-355-1118


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State health dept. teams with WebMD to enhance public health alert
Medscape Alert issued Wednesday: declining flu numbers
Send a link to a friend
[February 14, 2013]
CHICAGO -- The Illinois
Department of Public Health announced on Wednesday that it has
teamed with Medscape from WebMD, the leading source of information
for health care professionals, to communicate urgent public health
messages to health care providers in Illinois. The first health
alert -- on declining influenza hospital admissions -- was issued
Wednesday to health care providers.
Currently, IDPH delivers critical health
information through health alerts, advisories and social media
updates to local health departments, hospitals, health care
providers and other public health partners as part of the Centers
for Disease Control and Prevention's national HAN system.
Medscape distributed Illinois' first alert Wednesday, informing
its network of registered clinical members via email that the
state's severe flu season -- which has seen 608 ICU hospitalizations
and 84 deaths through the first week of February -- is waning. For
the week ending Feb. 2, there was an 87 percent decline in ICU
hospitalizations compared with peak admissions at the beginning of
January. The alert also urged providers to continue encouraging the
public to get a flu shot.
[to top of second column]
"Medscape can quickly disseminate critical health information to
health care providers on both a state and local level," said Robert
Marotta, senior vice president and chief regulatory counsel of WebMD.
"As the leading source of health information and news for health
care professionals, Medscape will support the Illinois Department of
Public Health in its efforts to efficiently communicate the latest
health news to its network of health care providers."
[Text from
Department of Public Health file received from
Illinois Office of
Communication and Information]
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"Definitely the highlight of 2012 for me was women's football," FIFA President Joseph S. Blatter declared in a *FIFA.com *interview a few days ago. Along with the FIFA President, the entire football world reflected on a breathtaking year for the women's game in January. The prestigious FIFA Ballon d'Or Gala at the beginning of the month brought all the highlights to the fore once more.
On 7 January at the Kongresshaus in Zurich, Abby Wambach and Pia Sundhage were honoured as the FIFA Women's Player of the Year and FIFA World Coach of the Year for Women's Football respectively in a night that will live long in the memory. You can relive the evening with all our exclusive interviews, videos and photo galleries by clicking on the link to the right.
Yet the world of football never stops and in January there was plenty more action in the women's game. FIFA.com brings you the latest.
National teams Promising start for Pellerud
With around six months to go before UEFA Women's EURO 2013 kicks off in Sweden, the Norwegian team has been stealing the headlines. The 1995 world champions came out on top at a four-team tournament in China PR, following victories over Korea Republic (2-0), the hosts (1-0) and a goalless draw against Canada. It was the first true acid test for the Norwegians - currently 12th in the FIFA/Coca-Cola Women's World Ranking- since Even Pellerud's return as coach. The icing on the cake was team captain Marit Fiane Christensen winning the Player of the Tournament honour.
Bajramaj hopes for comeback
After suffering cruciate ligament damage last year, 59-time Germany international Fatmire Bajramaj has not yet given up hope of participating at EURO 2013. The 24-year-old was injured in FFC Frankfurt's 2-1 win over her former club Turbine Potsdam in a top-of-the-table Bundesliga match on 30 September. However, the striker told the German Football Association (DFB) website: "My aim is definitely to be there. Right now things are looking good that I'll be fit by then."
Spain on course
Spain continued their improved recent form with a 2-1 friendly victory over Russia near Murcia. Jennifer Hermoso grabbed the injury-time winner for Ignacio Quereda's side after Elena Morozova had cancelled out Veronica Boquete's opener for the hosts. The teams will meet again at EURO 2013 in a mouthwatering Group C alongside England and France.
Club football New faces in France
As with their male counterparts, the transfer window has been a hive of activity in women's football in the last few weeks. In France in particular the leading clubs secured several top-class signings. Along with USA international and Olympic gold medallist Megan Rapinoe, Japanese world champion Shinobu Ohno will be playing for UEFA Champions League winners Olympique Lyon from now on. Rapinoe's compatriot Tobin Heath will be lacing up her boots for Paris Saint-Germain, while French international defender Laure Lepailleur and Ukraine goalkeeper Irina Zvarych have joined FCF Juvisy Essonne.
Interesting moves* *England, Germany and Sweden saw an influx of stars too. Chelsea LFC brought in the attacking talents of Swedish striker Sofia Jakobsson, while Frankfurt signed up Japan's Kozue Ando, Australia's Tameka Butt and Denmark's Lise Overgaard Munk. In Sweden, Umea IK secured the services of 35-year-old Iceland captain Katrin Jonsdottir.
New US league takes shape
The new National Women's Soccer League in the USA announced the distribution of 55 internationals from USA, Canada and Mexico among the eight participating clubs ahead of the inaugural season kick-off in spring. Portland Thorns FC will consider themselves luckier than most after being allocated forwards Alex Morgan and Christine Sinclair. FIFA Women's World Player of the Year Abby Wambach will play for Western New York Flash, while Hope Solo will be between the sticks at Seattle Reign FC. You can find the full squad listings for each team on the US Football Federation website by clicking the link to the right.
*Development *In January a FIFA Women's Football Development course was held in Israel. 40 coaches from across the country gathered for the seminar with Spanish FIFA Instructor Marta Tejedor, a former coach of Chile. Elsewhere, girls' festivals were held on the British Virgin Islands.
The stat
12 - Number of teams that will once again participate at this year's prestigious Algarve Cup (from 6 - 13 March) in Portugal. The top three sides in the world will all be there, with world champions Japan and Olympic champions USA competing alongside last year's winners Germany. The three groups of four teams were drawn as follows:
Group A
Group B
China PR
Group C
The words *"I'm really happy and proud for everything I've achieved so far in my career. It's definitely a pleasure and an honour to be able to inspire people to follow my example and reach for what they really love in their lives. I'm really happy if I can somehow be a role model for girls who look to become professional footballers." *Brazil international Marta in interview with FIFA.com about the FIFA Live your Goals campaign.


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Economists look at right-to-work states for links to job growth
Now that right-to-work legislation has been signed by Gov. Rick Snyder, can Michigan residents really expect to see a quicker economic rebound and the "more and better" jobs that Snyder and other supporters said the legislation would bring the state?
More jobs, maybe. But better? Maybe not. And while businesses in states with RTW may report higher profit margins, that doesn't necessarily equate to a better economy overall in those states, either.
"Basically, it's very hard to estimate the effects of right to work, because, essentially, for most of its history, its mainly been a policy of mostly southern and a few western states, and it's difficult to separate out what right to work is doing versus other attributes of those states," said Timothy Bartik, senior economist at the W.E. Upjohn Institute. "Those states tend to have had faster growth than northern states; they also tend to have lower wages. How much of that is due to right to work is uncertain. Most people think the growth of the South is more driven by economic fundamentals like the development of air conditioning, the interstate highway system and things like that. So you have estimates all over the map.
"You find some estimates that say right to work might raise employment growth, and other estimates don't find that. You find some estimates that suggest right to work might lower wages, and other estimates don't find that. So we are not really in a position to give precise answers."
Grand Valley State University economics professor Paul Sicilian agrees that studies have not produced clear-cut evidence of RTW's effectiveness in a state's economic development.
"This is a very hard thing to get definitive answers on as to what the impact is, because it's complicated," Sicilian said. "The states differ too much in what they have and what they don't. The research is a little mixed.
"I think, for the most part, research tends to find two things — one good and one bad for the economy. There does seem to be evidence for employment growth from right-to-work laws. I think the people pushing for the laws overstate the positive impacts from them, . . . but there is also evidence that states with right to work have a negative impact on wages."
There is no denying that RTW laws lessen the power of unions.
Sicilian points out that it's more than just potentially lower wages that might appeal to a business owner; it's also a question of control.
"Being a non-union employer gives them a lot of freedom that they wouldn't have in a unionized plant, not just over wages, but over working conditions. . . . I think, in some cases, just having more say in what happens in your plant is something people would want to have."
Birgit Klohs, president and CEO of The Right Place Inc., agrees that RTW states appeal to companies that are trying to avoid unionization, and said that has been a fact of economic development for the past 30 years.
"What I look at is what makes Michigan more competitive and where have been the impediments to that competitiveness?" Klohs said. "It used to be the single business tax, the regulatory environment, etc. We don't even know how many deals we never get to look at for all these various reasons."
She said that 90 percent of companies looking to expand into Michigan ask about RTW in their first interaction with The Right Place.
"Here's the reason why: When you are a firm searching for an expansion location you may get 30 proposals," Klohs said. "You cannot possibly be in 30 locations, so you have to start eliminating communities."
RTW laws are one of about 10 to 20 questions companies include as they are weeding out states in their search. Other questions include: Do you have a site or building that meets our requirements? Do you have a labor force with the skills needed for the jobs? Does the state and local community give incentives, and, if so, what are they? What infrastructure do you have in terms of airport service, rail access, etc.?
While Klohs said that she has no way of knowing the interest that Indiana has received since becoming a RTW state, she does believe it gives the state a competitive advantage over Michigan.
"Indiana has been one of Michigan's biggest competitors for 30 years," she said. "They have always been extraordinarily good competitors in economic development. This is giving them an additional advantage. And what right to work does is eliminates another hurdle for Michigan, just like when we reformed our tax system. That's all it is."
While this may help Michigan compete with Indiana and the other 23 RTW states on a national level, Sicilian said it's simply shifting people around in lower-wage areas and that isn't necessarily a good thing for the country overall.
Sicilian and Bartik both said there are other economic development factors that have more proven results and impact.
"If you are looking for policies that we know from numerous research studies that they positively affect the state's economic development, right to work is not in that category," Bartik said. "There are other policies for which you have far more evidence of success in boosting earnings per capita. For right to work, it's not even clear that it does increase earnings per capita, and the estimates are all over the map."
Bartik believes that large-scale investment in high-quality early childhood education programs is an essential component in economic development.
"The basic idea is that if we invest in high-quality early childhood programs, such as preschool, for enough kids, we know from research that such programs will raise former participants' skills as adults," Bartik said. "And enough will stick around in Michigan to increase the skills of the Michigan labor force significantly. And we know that higher skills will drive better economic development."
Bartik also stated that customized job training, manufacturing extension services, summer school, career academies, adult job training and well-targeted tax incentives would also work to increase a state's per-capita earnings, which he considers the appropriate bottom-line goal of economic development policies.
"I think you'd have to say, based on the research, that the economic development effects (of RTW) are uncertain, and there is some downside risk," Bartik said.


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Re: Leah Clearwater
Posted: Thu Aug 21, 2008 5:55 am
True, but she said she was gonna write one from Renesmee's perspective, which means we would get Jacob's story since we know he will be with her. The problem is she might not publish them.holdingoutforjacob wrote:it bothers me that she keeps saying she's gonna write books from these minor character's POV. i love leah, but personally, i think the next book she be from jake's POV. come on, think of all he went through to get that imprint. he at least deserves to continue that story in his own words!


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Argentina Gets Cozy with Iran
WSJ's Mary Anastasia O'Grady explains how meetings between Argentine and Iranian foreign ministers call into question whether justice will be served in the case of the 1994 bombing of the Israel-Argentina Mutual Association. Photo: Getty Images.
This transcript has been automatically generated and may not be 100% accurate.
... I ... columnist Mary Anastasia O'Grady ... Mary ... or you have with your column this week about what was probably the greatest terrorist attack ever to occur on in a South American country ... that was the bombing in July nineteen ninety four in Argentina of the Israeli Argentina mutual Association ... killed eighty five people tell us why this is of this event is returning ... while it has never an unresolved really I'm in the initial stages the government of Argentina was an ... experience in getting to the bottom of that ... there are lots of allegations of corruption and I think pretty clearly incompetence ... I'm but a prosecutor that was named in two thousand and five actually die aided ... by the People's Center seven other than the rain Aeon's one ... Lebanese member of Hezbollah he was named ... interim president Kirchner ... yes he was ... and I he's still the prosecutor in the case they've put red notices out to dinner Paul but they've never ... been able to bring any of these individuals to trial ... and now it turns out that the Argentine foreign Minister is engaged in talks with Iran about the case but that talks are secret ... and when you put that together with the fact that Argentina has been trying to improve its relations with Iran because it wants to sell commodities ... of Americans the Argentine economy is slowing down ... the loathsome people become uncomfortable about this what is there to talk about ... but they have that that the prosecutor who is nervous over Tony's mom ... actually named ... love five Iranians in his indictments ... asset and set entering an area similar pretty highly placed Tyrrhenian officials is worth just your average hit methanol actually Ophir murmuring and President Rafsanjani is one of them ... and then other other members of the ring ... excuse me rein in government ... and also somebody was the cultural adaptation a ... gain on the raincoats Ron Fisher and Argentina that I'm ... that guy is interesting because he also shows up in a time ... when the I pad district attorney in New York is writing about a bomb plot at JFK airport and add their link stand there as well so these guys have I history ... Arik ... try to explain what appears to be a bit of the internal contradiction what's going on here ... the origin times to reach elite pass this prosecutor to look into the Qasim Aegies indictments ... but in the euro since the Argentine government in the radiance of gotten pretty close to one another it's a little hard to understand ... how their purporting to try to actually bring these Iranian officials to justice it seems like them easily quixotic undertaking well first of all ... it acted there may be a contradiction but we know now I mean that the problem starts the fact that the negotiations are secret ... but what we do now is that Argentina this Argentine government ... is very much alive with Venice Whelan ... this was very close to Teheran ... I Kiron has been trying to time and its diplomatic isolation by reaching out to countries in Latin America ... and they said Argentina wants to sell soybeans Toron ... so people are asking what is it that the foreign minister is negotiating with Iran what is he going to offer ... on and a lot of members of the Jewish community in Argentina ... are worried that he's going and triggered something for example some kind of you know this is a pure speculation but what could he offer ... he might offer some kind of that added a steal or some kind of forgiveness ... and that makes people very uncomfortable ... and I in fact al ... Alberton east mine was supposed to go to the Congress and give testimony about all of this and people say that if he did back then the stock's would really be dead because there's no way ... that ... anything could be offered to me Ronnie run has to deliver the skies that's that's the the um ... that's what justice requires ... coronary place like your best in case ...


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Who wants to add a sneaky, healthy kick to their recipes? I know I do! I am always aiming to sneak little healthy kicks into all my recipes. I have been doing this for a while, but I only recently started it on the blog. Many of you noticed and wanted to know what all the hullabaloo was about these "super add ons" I use in my cooking. Well I am here to share what they are, what I use them in, and where I get them from.
Let's get started....
Flax Seed
Flax seed is fully loaded when it comes to fiber and Omega-3 essential fatty acids. It helps your digestive system to regulate and work better. Flax seed may also help lower blood cholesterol and can help reduce your risk of heart disease. I add flax seed to literally EVERYTHING. My sauces, smoothies, chili, all baked goods, oatmeal, and anything else I can sneak it into. I buy it in bulk from Winco's bulk food section. It can be found in your local grocery store in the baking section or health food section. I purchase ground flaxseed, since it can absorb into your body more quickly than the whole flax seeds.
Bran is the it factor when it comes to adding more fiber into your diet. By adding 1-2 tablespoons to your cereal, oatmeal, yogurt, sauces, or baked goods, you will be upping your daily fiber intake considerably. Fiber slows the rate that sugar is absorbed into the bloodstream. This keeps glucose levels from rising to quickly. Fiber makes your intestines move faster and actually cleans you out as it works through your system. Oh and it keeps you regular if know what I mean. I purchase my bran in bulk from Winco for way cheap.
Chia Seeds
You may remember these seeds from the popular Chia Pets, but these seeds are making a comeback in the kitchen. These little black seeds are packed with nutrients. Like flax seed, chia seeds are rich in omega-3 fatty acids. They also have antioxidants, protein, and fiber. We throw chia seeds into our smoothies, cookies, and sprinkle it over yogurt. I usually use about one tablespoon when I add it to my recipes. I purchase my chia seeds from Whole Foods. They are a bit more expensive than my other healthy kicks, but they are very worth it.
Nutritional Yeast
Picture Source HERE
I was first turned onto using purees when I first read Deceptively Delicious. Jessica Seinfeld uses vegetable and fruit purees in all of her recipes. It is a great way to get your family eating more fruits and veggies, unknowing to them. I started off small, adding pureed carrots or squash to our pasta sauce. I then moved onto adding cauliflower to my mashed potatoes. My family loved the recipes and never realized they were eating veggies and fruits. It was great to be so sneaky. I was like a super spy in the kitchen. I continued on and still do today. I replace eggs in recipes with my fruit and veggie purees. I prepare mine throughout the month and store them in my freezer. At certain times in the year I puree more. Around Halloween I was able to get huge pumpkins for $2.50 each, through Bountiful Baskets. I bought about 5 pumpkins. I cooked all of them and pureed the insides. I now have bags of 1 cup servings of pumpkin puree. I store them in my freezer chest and now I have enough for the year. I do this with other fruits and veggies throughout the year too. I prepare in advance and save money that way. You can also buy bagged frozen veggies and use those for purees. Look for sales and plan ahead. Store and add them to your meals. Your kids and your hubby will never be the wiser:)
Giving your meals an added nutritious kick does not have to be hard. By picking one or two of these add ons, you will be arming your family with the nutrients they need to live happy, healthy lives. As with all my tips, start off small. Pick one thing and try it out. See how it works for your family. I didn't start all these things at once. I started off slow and learned. I am still learning everyday. I am constantly learning, growing, and sharing on this blog. I am always thankful for your continued support and sweet comments. If you have some other healthy ways to add goodness to your recipes, share in the comments. I would love to hear what you guys and gals do.
I have a little Blissful Exchange taking place on the Blissful and Domestic Facebook page. The topic is green cleaning. Come and give your two cents ladies and gents.
XO Danielle


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Hero Electric Optima Vs Polarity Executive comparison
Add bike to Compare
Compare Hero Electric Optima and Polarity Executive
Trying to figure out which of these bikes or scooters to buy? Compare the Hero Electric Optima Vs Polarity Executive on CarandBike to make an informed buying decision as to which bike to buy in 2020. This comparison has been carried out on the basis of prices, engine specifications, mileage, and features of these two-wheelers.
Compare Price
The ex-showroom, New Delhi price of the Hero Electric Optima starts at ₹ 48,144 and goes up to ₹ 64,460 for the fully-loaded model. On the other hand, the price of the base version of the Polarity Executive starts at ₹ 41,215 and goes up to Rs. ₹ 1.12 Lakh for range topping model.
Compare Mileage
As for the claimed fuel efficiency, the Hero Electric Optima base engine returns 65 kmpl. The Polarity Executive base returns 80 kmpl.
Compare Engine
In the powertrain department, the Hero Electric Optima gets bhp Electric engine, whereas the Polarity Executive comes in bhp Electric engine.
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Late arrival of winter sets temperature records
The late arrival of winter has seen much of south-eastern Australia record an exceptionally mild June.
A lack of major cold fronts until the final week or so of the month meant night-time temperatures in many regions were at or near record levels of warmth, according to the Bureau of Meteorology.
The June results come as the bureau updated its fortnightly El Nino report on Tuesday, noting renewed signals indicating such an event may occur this year. El Nino years tend to bring warmer and drier than usual conditions for much of Australia.
Melbourne matched its record 2008-high average minimum for June of 9.8 degrees, or almost 3 degrees above the 158-year norm of 6.9 degrees. Maximums came in at 15.8 degrees compared with the long-run average of 14.1 degrees.
Victoria also posted its warmest ever January-June period for mean temperatures, while almost the whole state recorded mean temperatures very much above average in June alone.
Sydney last month had no days when the mercury failed to reach 15 degrees, compared with six in a typical June. The city also had 13 days of 20 degrees or warmer weather, compared with a long-run average of 13.
As reported by Fairfax Media, Sydney had its third-warmest June in records going back 155 years, with mean temperatures 2.2 degrees above average. As Melbourne, average maximums for the Harbour City were 2.7 degrees above normal, also giving Sydney its warmest first half of the year.
"Both maximum (+0.8 degrees) and minimum (+1.4 degrees) temperatures were above average for NSW during June, with particularly mild conditions along the coastal strip associated with well above-average sea surface temperatures," the bureau said in a statement, adding that statewide average rainfall was close to normal (+8.6%).
Tasmania also had a warm June, with monthly records set for average mean, minimum and maximums set at several site in the state's north. Canberra, too, had a mild June, with only eight nights with sub-zero temperatures compared with a long-run average of 13 nights.
The rainfall picture was more mixed in June, with most of Victoria recording above average rain, Tasmania near-average falls, while Sydney's rainfall has only about half the level in a typical June.
The near-term outlook has Melbourne expected days with maximums of 15-17 degrees over the next week, or about 1.5-3.5 degrees above average for July. In Sydney, the next week should also be warmer than average by about the same margin, with daily tops expected in the 18-20 degree range.
El Nino outlook
In a separate report, the bureau said surface temperatures in the tropical Pacific Ocean are "currently at levels typically associated with a weak El Nino", although atmospheric patterns remain neutral.
"However, over the past fortnight changes have occurred in the atmosphere that may be a response to the warm surface waters – the Southern Oscillation Index has dropped by over 10 points, and weakened trade winds have re-appeared," the bureau said.
"These changes would need to persist for several weeks in order for an El Nino to be considered established, and it remains possible they are simply related to shorter term weather variability," the bureau said, noting the chance an El Nino this year remains "at least a 70 per cent chance".
During El Nino years, waters in the central and eastern equatorial Pacific are anomalously warm compared to those in the west. One result is that trade winds tend to slow or reverse, and rainfall patterns shifted eastward away from Asia and Australia.
Australia's mean temperatures have risen about 0.9 degrees over the past century as the global climate has warmed.
Comparing the past 15 years with the 1951-1980 period, the chance of a very warm month has increased five-fold and the frequency of very cool months had dropped by about a third, the CSIRO and the Bureau of Meteorology noted in their latest State of the Climate report released earlier this year.


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In what can be called the most shocking elimination yet this season, Brenda Lowe saw her luck run out as she was ultimately blindsided by her BFF and voted off Survivor: Nicaragua.
In a new interview with E! Online, the 27-year-old self proclaimed "king" and former Miami Dolphins cheerleader discusses her surprise elimination, her thoughts on NaOnka's betrayal, whether or not she regrets not scrambling and reveals her secret revenge at tribal council! Excerpts from Brenda's interview below –
What was the symbol you sketched on your voting ballot for NaOnka?
That symbol was the hidden immunity idol. Sorry my artistic abilities weren't that good, but I was trying to show people that NaOnka has it, so watch out. It was my own way of punching back to her without outing her and losing it at T.C. My own little hint—whether people picked up on it or not—it was my going-away present for her.
Were you surprised as you seemed that Chase and Sash voted for you, and that Sash didn't give you his Idol?
No. What people don't know is that I had trusted my main alliance with NaOnka with a little plan I had hatched, to take out Sash. I told NaOnka if Sash comes back [from the ziplining reward challenge with the guys] and says, "We need to keep Marty," we can't trust Sash. But he came back and said "We need to vote out Marty," [so I knew] we could trust him. But NaOnka went and told Sash, "Brenda's willing to take you out, watch out." So it was with that mentality that Sash said, "There's no way I'm going to give this girl my Idol. Anyone who's targeting me is gone."
Why ally with NaOnka? Did you regret it as she revealed more about her character as the game progressed?
Her character is…whew. Wow! It was really, really shocking to watch on television. But out there she was a sweet girl to me, she was my friend, she made me laugh. I trusted her 1,000 percent. And she took a lot of attention off of me. At the vote with Shannon, the whole tribe wanted me gone, and they didn't even know me. The more attention I could take off of me as a threat the better it was, and everyone wanted her out. While they were aiming for her, we could protect her and take them out. That was the strategy to keep her.
What is your major regret of the game?
We don't have enough time today to talk about it, but the major one was letting go of that Hidden Immunity Idol when I could've gotten it for myself. [I let NaOnka take it because] I didn't want that target on my back—I already had a target on my back. She had it, my hands are clean. And she's my friend—that's what I thought. Another huge regret is underestimating everyone in the game. I absolutely underestimated everyone in the game and they outplayed me. They got me—they really got me
Thoughts On Last Episode – One word to described last week's episode – EPIC! I was truly shocked and impressed that the other players decided to send Brenda packing. Players like Brenda and Sash typically make it to the end of Survivor. Even more surprising was the fact that NaOnka turned on Brenda and her right hand man Sash failed to use his hidden immunity idol to protect her a la Russell from last season. And the surprises didn't end there as Sash and Chase both voted for Brenda. I'm not sure what Brenda's game plan was but she should have definitely scrambled since she had no assurance Sash would save her. With 3 people on her side, all she needed was one extra alliance member to force a tie. She basically went into the tribal council with no game plan. Definitely the best episode of the season thus far. It will be interesting to see what happens tonight. If the cast was smart, they would target Sash next. And how impressive was Holly last week? She basically planned the demise of Brenda!


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Here Come the New Bank Fees
Be careful what you wish for, consumers.
When nearly every big bank retreated on plans to charge consumers a monthly fee for using their debit cards, most cheered. Consumers stood up to Wall Street, and they won, the thought went.
Not so fast. "Now that banks have backed away from debit card fees amid consumer uproar, the question is where and how -- not if -- they will seek new ways to extract revenue out of customers," I wrote last week.
Cue this morning's New York Times:
Need to replace a lost debit card? Bank of America (NYS: BAC) now charges $5 -- or $20 for rush delivery.
Deposit money with a mobile phone? At US Bancorp (NYS: USB) , it is now 50 cents a check.
Want cash wired to your account? Starting in December, that will cost $15 for each incoming domestic payment at TD Bank (NYS: TD) . Facing a reaction from an angry public and heightened scrutiny from regulators, banks are turning to all sorts of fees that fly under the radar. ...
... What is more, banks are raising minimum account balances and adding other new requirements so that it is harder for customers to qualify for fee waivers.
It continued:
"Banks tried the in-your-face fee with debit cards, and consumers said enough," said Alex Matjanec, a co-founder of MyBankTracker.com. "What most people don't realize is that they have been adding new charges or taking fees that have always existed and increased them, or are making them harder to avoid."
This was inevitable. According to a study by Marsh & McLennan released last year, more than half of all checking accounts are unprofitable for banks. Since then, new regulations have banned banks' ability to charge tens of billions of dollars in fees, primarily those charged to merchants every time consumers use their debit cards. With interest rates at all-time lows, the vast majority of checking accounts are now unprofitable for banks.
It's also a shame. The debit card fee most banks proposed -- $5 a month at Bank of America, for example -- was actually one of the fairest ways banks could recoup lost revenue and cover overhead expenses. The fee had two things going for it:
- It was optional. If you didn't use your debit card, checking could still be free or near-free at most banks.
- It was transparent. Consumers who used a debit card would have known exactly how much their checking account cost every month. The fees would show up on your statement, month after month.
Instead, it looks like we're heading back to the days where consumers think checking is free, but is actually subsidized with a raft of hidden and unexpected fees. What's been lauded as a big win for consumers may have actually pushed them back to square one.
Consumers aren't oblivious to this, of course. Rather than playing musical chairs with bank fees, many are opting out altogether, moving from for-profit banks to nonprofit credit unions with legitimately free checking services. About 650,000 have transferred their money into credit unions over the past month alone, fueled largely by the grass-roots Bank Transfer Day campaign earlier this month.
That's wonderful. Most consumers, needing only barebones banking services, will be better served at a credit union. It's a lot like investing. Most investors don't need an expensive full-service brokerage that lets them pretend like they're George Soros. They need something that lets them buy low-cost index funds, and that's it.
Still, I suspect at least some of those who switch from big banks to credit unions will have buyer's remorse. For all the nasty complaints you can fling at big banks like B of A, Citigroup (NYS: C) , JPMorgan Chase (NYS: JPM) , and Wells Fargo (NYS: WFC) , there's a reason tens of millions still bank with them: A branch in every neighborhood, an ATM on every street corner, 24/7 customer service, mobile apps, and robust online banking. Some credit unions offer comparable services, even reimbursing fees charged when retrieving cash from out-of-network ATMs. Others don't.
One alternative I don't think has received enough attention are the banking services offered by brokerage companies like E*TRADE (NAS: ETFC) and Charles Schwab (NAS: SCHW) . E*TRADE, for example, offers standard checking account services linked to a brokerage account, and refunds an unlimited number of ATM fees. Schwab offers something similar. Making non-electronic deposits (paper checks) can be cumbersome, but with most workers receiving their pay via direct deposit, this likely isn't high on a list of priorities. On the plus side, banking with your broker is probably the easiest way to get all of your assets -- checking and investments -- under one roof and in one account.
How have recent fees, regulations, and grass-roots movements changed how you bank? Let loose in the comment section below.
At the time this article was published Fool contributor Morgan Housel owns shares of Bank of America preferred. Follow him on Twitter @TMFHousel. The Motley Fool owns shares of Bank of America, JPMorgan Chase, Citigroup, and Wells Fargo. Motley Fool newsletter services have recommended buying shares of Charles Schwab. Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy.
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