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- Step 1: Make Sure You're Ready to Buy
- Step 2: Figure Out How Much You Can Afford
- Step 3: Decide What You Want to Buy
- Step 4: Find a Realtor® that is Right for You
- Step 5: See What's Out There
- Step 6: Sell Your Current Home
- Step 7: Add a Lawyer to Your Team
- Step 8: Make an Offer
- Step 9: Arrange a Mortgage
- Step 10: Find a Home Inspector
- Step 11: Close the Deal
- Step 12: Move In
Step 1: Make Sure You're Ready to Buy.
If you're thinking of buying a home, this 12-step plan will help to guide you in the right direction. But before we jump right in, you have to make sure three things are ready: you, your bank account, and the real estate market.
Are you ready? Be sure.
Owning the roof over your head will bring you great pride, but with that pride comes accountability and sacrifice. There's the obvious financial responsibility, but your home will also require constant care and upkeep. That's what real pride of ownership is all about.
Is your bank account ready? Check it twice.
Your first home will be the biggest financial obligation you've ever faced. You should already be an experienced saver, and good at managing debt like student loans or credit cards. Ideally, you've also saved up some money for a nice down payment. Talk to your financial institution about the Home Buyers Plan too. Our next step will give you a crystal clear picture about how much you can afford.
Is now a good time to buy? Here's the hottest market tip you'll ever get.
Markets go up, markets go down and even the smartest experts can't accurately predict when a market will peak or bottom out. The good news is, if you're buying a home as a long-term investment (and for long-term enjoyment), you're protected from short-term changes in the market. Over time, real estate has almost always increased in value.
All you have to do is pick a home that meets the needs of you and your family. Then you'll enjoy living in your investment as it grows in value. A home is one of the best financial decisions you can make, so make sure you think things through.
Step 2: Figure Out How Much You Can Afford.
Before you start looking for your dream home, let's find out how big you can dream. Knowing your true budget is the first and most important step in buying a home. Why?
A home is a big purchase.
It's probably the most expensive thing you'll ever buy, and there are lots of expenses you might not even know about. Everybody's total costs are different, but it's almost guaranteed you won't have that much money saved up. Hopefully you have enough for a nice down payment. Here's the reality in detail:
Cost of buying a home = One time costs (down payment, legal fees, inspection fees, taxes)
Monthly costs (mortgage, utilities, maintenance, insurance, property taxes)
Yes, you need a mortgage.
Step 9 is practically bursting with tips on how to arrange your mortgage but for now, we just need to figure out how much a bank will lend you.
How much will a bank lend you?
Well that depends on how much you can afford each month. This is determined using two lending principals.
The first lending principle is that your monthly housing cost should not exceed 32% of your gross monthly family income. This principle is known as the Gross Debt Service (GDS) ratio calculation.
The second lending principle used, the Total Debt Service (TDS ) ratio calculation, is that your monthly housing cost and payments on all of your other debts (including loans, credit card and lease payments) should not exceed 40% of your gross monthly income.
Step 3: Decide What You Want to Buy.
First, decide where you want to live.
Urban – The big city. Sure the prices are generally higher, but you can walk to a restaurant, maybe even to work. You'll also have the widest range of housing options.
Suburban -Newer schools, newer shopping centers, bigger yards, bigger homes, no wonder so many people love the suburbs. But if you work in the city, be prepared for lots of rush hour traffic. It's a packaged deal.
Smaller Cities and Towns – There are many wonderful self-contained communities, and compared to the big city, you can save a bundle.
Rural -If you like the idea of owning land, how about a few acres all to yourself? Seclusion is not for everybody, but for some, it's heaven.
Next, decide what type of home you want.
By now, you probably have a good idea of what type of home is right for you. To familiarize you with the terminology, here's a quick overview:
Single-family detached
As the name implies, the home is not attached to the home next door. Styles range from a single-story suburban bungalow, to a three-story Victorian.
Semi-detached or linked
Two houses that share a common wall. Typically less money than a fully detached home.
Duplex or Triplex
A two-storey or three-storey home, with each floor belonging to a separate family. Separate entrances are most common.
Town house
Also known as terrace or row housing. Several homes with a common style joined in a row. They usually share walls on both sides. May come with a monthly maintenance fee.
An upscale version of an apartment. Usually located in high-rise buildings with access to common elements. Maintenance fees usually apply. Condos also make a great first home purchase because they're often thousands of dollars less than a detached home.
How Condos are owned
You'll own 100% of your unit, and a share of the common areas. Common areas include the necessary plumbing, electrical systems, hallways and elevators. They may also include lots of fun stuff like a private gym or party room.
Condo fees
Membership has its privileges, and it costs. On top of your mortgage and property taxes, condo owners also pay a monthly fee to operate and maintain the common areas. Be sure to look into condo fees, and how well they're managed, before signing anything.
New or Resale?
Resale. Previously loved.
Nothing can match the charm and character of an older home. As a bonus, the previous owner may have made improvements and upgrades and you get them with the house, usually for less than the cost of putting them in yourself. However, some may have a little too much 'character ' like a leaky roof…know what you're getting yourself into. You should always work with a knowledgeable REALTOR®, and as we cover in Step 10 never buy a resale home without a Home Inspection.
Ahh…that new house smell.
You will be the very first person to live in your new home. In fact, your new home may be so new, that it's not even built yet. You have the luxury of customizing your home to your décor tastes. But when you move in, be prepared for constant touch-ups by your builder; dust, mud and unpaved roads if your area is still developing; and shifting and settling of your home (cracks and popping nails) within the first year.
Before you commit to anything, carefully examine the property, the blueprints and visit other homes built by the same building company. Check to see you like the finishes they offer and the craftsmanship and quality of their work. Have your REALTOR® and lawyer review everything before you sign. While your home is being built, stay on top of the process and remember, you have a legal right to make a full inspection of the house before you accept it as complete.
You know what you want, but remember to focus on needs.
Are you getting out of a two-bedroom apartment because it's too small? Then your new home should have at least three bedrooms, and probably a second bathroom. REALTORS® call these must-have features "needs". Features you'd like to have are called "wants".
Your strategy should be to find a home within your price range that fulfills all or most of your "needs", and as many of your "wants" as possible. Use the Dream Home Checklist to help you decide what you're looking for in a home.
Step 4: Find a Realtor® that is Right for You.
You know how much money you have, and you have a good idea of what you want. Now you need the help of a real pro, to make your search a success.
REALTORS®. Highly trained, and continually training.
REALTOR® Membership of a Real Estate board, ensures the highest level of service and that you are always treated with honesty and integrity. This is backed by the REALTOR® Code of Ethics. Take a look at 'The REALTOR® Commitment' to learn more.
The Three REALTOR® Relationships
The relationship between a real estate brokerage and a client is called "Agency" and there are three major kinds:
1. Seller (Vendor) Agency
The real estate brokerage and all its REALTORS® represent the seller exclusively and it's their job to get the best offer on the home. They are legally obliged to tell the seller anything known about a buyer. For instance, if a seller's REALTOR® knows a buyer will pay more for a property, they must tell the seller.
2. Buyer (Purchaser) Agency
The real estate brokerage and all its REALTORS® represent the buyer exclusively. They seek out homes that meet the buyer's needs and help assess the merits and defects of potential homes. They keep the buyer's information confidential and never disclose information like the maximum amount their buyer is willing to pay. You may be asked by your REALTOR® to sign a buyer agency agreement. In fact, in some provinces, REALTORS® are required to ask you for your own protection. This agreement ensures that the REALTOR® and the brokerage can look after your best interests.
3. Dual Agency
Sometimes, a brokerage may have an agency relationship with the buyer and the seller. Both the seller and the buyer must give their informed consent, and the REALTOR® must always provide full and timely disclosure of all pertinent information to both parties.
Absolutely! Especially if you're remaining in the same community. Your REALTOR® is already an expert on your needs, so it can save you a lot of time and energy.
Selecting a REALTOR®
There are lots of ways to find a REALTOR®. As you drive through prospective neighborhoods, jot down the names and numbers of REALTORS® on the 'For Sale' signs. Open Houses are a great way to meet face-to-face. Maybe friends or family members have worked with a REALTOR® they love. Interview two or three and pick the one you like best.
How REALTORS® help buyers like you.
A REALTOR® will review your list of wants and needs to help you determine your price range.
- Answer questions about the markets you're interested in and help you compare homes and neighborhoods.
- Use the local Multiple Listing Service (MLS).
- The MLS is the single most powerful tool for buying and selling a home. Your REALTOR® will give you access to exclusive features of the MLS system that the public is not privy to.
- Preview properties to ensure you're only shown homes that meet your needs and budget.
- Make appointments and walk you through potential homes, answering all your questions.
- Give up-to-the-minute information on financing and explain your mortgage options.
- Negotiate with the seller, smooth out any potential conflicts and draw up a legally binding contract.
Stick with your REALTOR®
One dream, one team. The REALTOR® you select will become an expert on your specific needs and tastes. Scattering your time and energy amongst multiple REALTORS® will work against your goal of finding your best home. And because most REALTORS® have equal access to the same property listings, there's no real advantage to having multiple REALTORS®.
Step 5: See What's Out There.
The hunt is on! Time for you and your REALTOR® to find that perfect home.
Read all about it.
Start reading real estate ads in local papers, or visit the MLS . Let your REALTOR® know what you like. Visit areas you are considering and get a feel for them. Make note of the surrounding schools, shopping and recreational areas. Keep an eye out for not-so-great things like large industrial areas, railway tracks, high-voltage power lines and airports. Visit during the day and at night.
Open House, come on in.
'Open houses' are a great way to see inside the homes of your potential neighborhood. The hosting REALTOR® probably knows the local market inside and out, and will be happy to answer the questions that are bubbling up inside you – don't be afraid to ask!
House hunting with your REALTOR® – hunting smarter
If you've been very good, you've armed your REALTOR® with your Dream Home Checklist. Even if you've just talked about it, your REALTOR® knows what you're looking for.
Welcome to the wonders of mls.ca
REALTORS® run an incredible research tool called the Multiple Listing Service (MLS). You can view information about properties listed in MLS systems across the country in the public advertising portal. Your REALTOR® will start sending you listings of potential homes right away. You'll be amazed how fast and easy it is to zero in on your favourite few homes.
Work from a short list
If you and your REALTOR® have done your homework, and used MLS listings to scout ahead, you only need to visit a handful of homes to make an informed and wise selection.
Stay objective when visiting potential homes
Walking through a potential home is a thrill, but try not to lose your head. Don't let a giant kitchen island or swanky hot tub distract you from your real goal, finding a home that meets all your needs and fits your budget. That's why we're arming you with this comprehensive House-Hunting Checklist. Print it out and be sure to take it with you to homes you're serious about buying. Good luck and happy hunting!
Step 6: Sell Your Current Home.
Not many people can hold on to two homes, so you'll probably need to sell the home you have now. Be sure to check our incredibly helpful 10 Steps to Selling Your Home. In the meantime, here's a quick overview.
When should you sell?
Buyer's and seller's markets explained.
When there are lots of people looking for homes but not many for sale, this is called a "seller's market" because the seller has something everybody wants. When there are lots of homes for sale and not many people buying them, this is called a "buyer's market" because buyers have more power of choice.
Wait for the market to improve?
If you're selling one home and buying another, you don't really have to worry about playing the market. If you sell your existing home for a 'low' price, you're probably also buying at a low price. If you are upgrading to a larger home, this actually works to your advantage. Imagine when your bigger home is on the upswing.
Seasonality. Do home sales get frostbite?
It's true. Winter sales tend to be slower, and Spring sales are more brisk. Regardless, there are always people looking to buy and sell, and seasonality is only one of many factors to consider.
If you need to sell fast.
Talk with your REALTOR®! They are experts, and know the price that will make your home look attractive, without making you look desperate.
Buy first or sell first? The eternal question.
Many people are able to time their sale and purchase so they happen on the same "closing date". Buyers can make their offer "conditional" on the sale of their existing home, to make sure they're not left paying for the upkeep of two homes. When selling, you can try to extend the "closing period" to give yourself more time to find your next home. REALTORS® are very skilled at this sort of negotiation, and can make your transition a lot easier.
Sell with a REALTOR ®, or go it alone?
In the same way that many people decide not to fix their own cars or do their own dentistry, it's wise to enlist a professional when selling your most valuable asset. Real estate transactions are complex, time consuming and involve a lot of legal documentation. Finding your new home and changing your life is hard enough! Your REALTOR® is expertly trained and highly motivated to get you the most for your home.
Step 7: Add a Lawyer to Your Team.
Buying a home involves piles of legal documents. You need someone to translate the 'legalities' and ensure your best interests are protected.
Finding a good lawyer.
There are lots of good lawyers out there. Ask your friends or people at work. REALTORS® will happily give you the names of several good lawyers. They can't legally recommend just one, but they'll only refer lawyers experienced in real estate. Be sure you ask how they structure their fees, and get an estimate of the other legal costs you can expect.
How your lawyer will help.
There are many, many legal steps to transferring ownership of land from one person to another. Even if pitfalls like fraud, government legislation, zoning issues or unpaid taxes don't come up, your lawyer will more than earn their pay by making the legal transfer of the home a smooth one.
Don't be scared of your lawyer.
They are there to help you. Ask questions if you don't understand anything. Explaining legal jargon in plain language is a big part of their job.
Step 8: Make an Offer.
You've found a home? Congratulations! Now, if you actually want to make it yours, you have to make a successful offer, one that the seller will accept.
Preparing the offer.
REALTORS® are expertly trained and will prepare the offer for you. Here are some terms you'll see in the offer:
- Buyer or Purchaser – That's you.
- Seller or Vendor – The present owner(s).
- Purchase Price – The most important number.
- Deposit – A cheque you write to the seller's broker, who deposits it in a trust account. This is your way of saying "my offer is serious". The size of the deposit is up to you.
- Clauses particular to this agreement – Every transaction is unique, and your REALTOR® may add conditions important to you. Making your offer conditional upon a proper Home Inspection is a good idea.
- Chattels included and fixtures excluded – Be sure you know what is included with the house! The washer and dryer, the microwave, draperies, light fixtures. Don't leave anything to 'chance' because chances are, it won't be there when you move in.
- Irrevocability of the offer – The length of time you give the seller to consider your offer. Usually less than 48 hours.
- Completion date – The glorious day you take possession! Often 30 or 60 days after signing.
About the offer.
When it comes to the type of offer you make, it really depends on your individual situation. Discuss your options with your REALTOR® to see which of these offers is right for you.
- Firm Offer to Purchase
Usually preferable to the seller as it means you, the buyer, are prepared to purchase the home without any conditions.
- Conditional Offer to Purchase
Usually means there are one or more conditions on the purchase, such as "subject to home inspection", "subject to financing", etc. The home is not sold unless all the conditions have been met.
- Acceptance of Offer
An Offer to Purchase is presented to a seller who may choose to accept the offer, reject it, or submit a counter-offer. The counter-offer may be in regards to the price, closing date, or any number of other variables. Offers can go back and forth until both parties have arrived at an agreement or either side ends the negotiations.
Submitting the offer
You've signed on the dotted line and your REALTOR® has whisked your offer to the seller's REALTOR®. This process works best when you don't meet the seller in person.
The seller can accept your offer – Fantastic, when do you move in?
The seller can reject your offer – It's not common for an offer to be completely rejected. Your REALTOR® will likely investigate, to see if there was some sort of misunderstanding.
The seller can 'sign back' or counter your offer- The seller wants to alter 'some part' of your offer. It's almost always the price. The seller will cross out the price on your offer and write a higher number. Now it's your turn to sign back, and see if you can bring that number down. It can feel a bit like a ping-pong match. Emotions can run high, so both sides will be reminded that a little flexibility goes a long way. Good luck!
Step 9: Arrange a Mortgage.
Money makes the world go round, and a mortgage gives you the power to buy a home. This isn't the most fun step in buying a home, but it's vital.
Who do you talk to?
There are hundreds of banks, credit unions and other lenders out there who would love your monthly mortgage payments. So talk to everybody. Now is not the time to be money-shy! Talk to your banker and call around to other banks. Ask people you know. REALTORS® are very knowledgeable about Mortgages and have lots of good advice.
Call a Mortgage Broker.
Mortgage brokers are another great resource. They find low rates for a living, and they usually don't get paid unless you sign a mortgage through them, so they're highly motivated to get you the best deal.
Your best mortgage might be the seller's mortgage.
You can sometimes take over or 'assume' the seller's mortgage. This is a great idea if the seller is locked into a lower interest rate than you can get right now. Your REALTOR® can help you.
Mortgage Terminology
Mortgage term – Typically from six months to five years, the 'term' refers to how long the bank has agreed to lend you the money. At the end of the term, you usually renegotiate a new term.
Amortization – The length of time it will take you to pay off the whole mortgage. Often as long as 40 years, if you don't accelerate your payments. The longer your amortization, the lower your monthly payments, but the more you pay in interest over time.
Interest rates – Interest is the cost of borrowing money, and the interest rate tells you exactly how much. Using the mortgage calculator, check the difference between borrowing $100,000 at 6% and at 9% at the same amortization. Surprising, no?
That interest rate not only affects how much you pay, it also affects how much you can borrow. So remember to keep searching for the best rate!
How big a down payment?
You want as small a mortgage as possible, which means making the biggest down payment possible. Just remember to set money aside for all the fees associated with buying a home. Not to mention moving, repairs, renovations, new furniture...think ahead.
Lock into an interest rate - for how long?
It's a tough question. What if you 'lock in' for five years and rates go into a period of decline? That could mean you're stuck paying more than you had to for a long time. But if rates were to steadily climb over the next five years, locking in for five years now would be a great move. For many, a long-term mortgage offers peace of mind in knowing that their mortgage payments will stay the same for several years. Your REALTOR® will have a lot of good advice.
What you need to apply for a mortgage.
- Letter of employment confirmation – Ask your employer for a letter that confirms your position, your pay and how many years you've been with the company.
- List your assets – Your car, stocks, bonds, GICs. Show which assets will be used for your down payment.
- List your liabilities – Car payments, student loans, credit card debt. List all the money you owe, and note how you're paying it off.
- Social Security Number – And your chequing account number, and your lawyer's contact information
- Information about the house you want to buy-The home is your security on the mortgage, so the lender wants to know all about it.
Don't forget these extra costs.
Face your new financial responsibilities head-on, and you may even dodge some of them. And then won't you look smart!
Application fee – Some mortgage lenders charge a fee to process your application. Many lenders will agree to waive this fee, so make sure you ask!
Appraisal fee – Your mortgage lender may need to have your new home appraised by a professional, and they often pass the bill on to you. Sometimes your lender will also waive this fee. Again, it doesn't hurt to ask.
Mortgage broker's fee – Your mortgage broker may charge a fee that's payable on your closing date. Ask your broker, to avoid surprises.
Land survey fee – Lenders may require a survey of your property. It can typically cost between $600-$900. Lenders will often accept an existing survey. Get your lawyer on the case.
Home inspection fee – A home inspection is so important, we devoted an entire Step to it. Avoid surprises and protect yourself...this is money well spent.
Home Insurance – Mortgage lenders require you carry fire and extended-coverage insurance because your home is the security deposit on the mortgage. Often you can have these payments added to your monthly mortgage payments. Shop around.
Fire Insurance- Mortgage lenders require a certificate of fire insurance to be in place from the time you take possession of the home. The amount required is generally the amount of the mortgage or the replacement cost of the home. This cost can vary on the property size, amount of coverage, the insurance company and the municipality. The cost can vary anywhere from $250-$600 annually for most properties.
Title insurance – Not mandatory, but it protects you from all sorts of fraud and potential errors surrounding the title to your land. It's normally a few hundred dollars. Ask your lawyer for details.
Legal fees – Your lawyer is vital to the home-buying process. You'll pay legal fees for their time and "disbursements" which are the costs involved in title searches, drawing up the title deed, and preparing your mortgage.
Maintenance and utility costs – Just a reminder, you now have more regular monthly payments in the form of property tax, utilities, repairs etc.
Closing Adjustments – The previous owner may have paid property tax or utilities in advance, and they want to be credited for those payments. Any bills after the closing date are the responsibility of the purchaser. A lawyer will let you know what they are once the various searches have been completed.
Step 10: Find a Home Inspector.
When walking through a home you'd love to buy, it's hard to put aside your emotions and really 'see' what kind of shape it's in. Now that you are buying, it's time to see everything. Home inspections rarely cost more than a few hundred dollars, and their service can save you from unpleasant surprises when you move in.
Your offer to buy may be conditional upon a satisfactory home inspection.
This is an increasingly standard condition on any resale home. If the seller doesn't want you closely examining the home before you take possession, you have to wonder why.
Go with a qualified professional.
Make sure your inspector is a member of a provincial association of home inspectors. It's your guarantee they have the training and experience for the job. Your REALTOR® can recommend several home inspection companies to choose from.
What will they check during the inspection?
Lots of stuff. Plumbing and electrical systems, the roof, visible insulation, walls, ceilings, floors, windows and the integrity of the foundation. They check for nasty stuff like lead paint, asbestos, mould, outdated and dangerous wiring, and they'll look for evidence of pests like mice or termites. A good inspector should make you feel like you're watching a CSI detective.
Join the inspection.
There's no better way to get familiar with your new home than being part of this checkup. If any problems are detected, you'll see them firsthand, and you'll also learn some maintenance tips from a genuine pro.
You'll get it in writing.
Their report will summarize the condition of your home. If there's anything that needs work, the home inspector will provide an estimated cost for the repairs.
Home inspection for a new home?
New does not equal perfect, and construction quality can vary greatly from builder to builder.
Repairs and corrections will probably be covered by a provincial new home warranty program like Tarion, so bad news doesn't necessarily mean it will cost you.
Step 11: Close the Deal.
Your offer has been accepted and you can't wait to move in. These are exciting times, but don't break out the bubbly just yet. You have to close the deal. Your REALTOR® and lawyer will do most of the closing work, but here's your checklist.
Closing checklist
- Immediately begin satisfying any conditions of the agreement that require action on your part. Your REALTOR® will fill out the documents stating that the conditions have been satisfied.
- Have your lawyer begin searching title to the property. This can take a while, so make sure you give ample time.
- We recommend a home inspection to avoid any unpleasant surprises on move-in day.
- Well before closing, get your homeowner's insurance. Your insurance broker will give you a 'binder' letter certifying that you're covered. You can't get a mortgage without this letter!
- Contact your lender and have them finalize your mortgage documents. Have your lawyer review them before you sign.
- Your lawyer will transfer essential utilities like hydro and water, but you'll have to make sure telephone and cable companies switch their services to your name.
- If you rent, you must give notice to your landlord, or sublease your apartment.
- Begin planning your big move! Where are those cardboard boxes? Book your moving service early to avoid scheduling problems.
- Send out your change of address information and fill out a card at the post office.
- Contact the Ministry of Transportation about changing your driver's licenses.
- A day or two before closing, you'll meet with your lawyer to sign the closing documents.
- Your lawyer will tell you in advance what certified cheques you'll need to seal the deal.
The big day arrives
Deliriously happy and emotionally exhausted, here you are on closing day. You made it! If your lawyer has arranged everything well, closing day can be surprisingly low on drama. Before you know it, you'll be handed the keys you new home.
Step 12: Move In.
Moving day will come sooner than you think, so get planning now.
'Closing date' often means moving date.
Unless you have major repairs or renovations planned, you probably want to move in the day you take possession. If you intend to move at the end of the month, contact a moving company or truck rental company now. Most people move during this time and there aren't trucks and movers for everybody. If you can move mid-week or mid-month, a moving company might cut you a deal. Keep in mind, the closing process might not have the keys in your hands until early-to-mid afternoon. Verify with your lawyer and schedule your moving times accordingly.
Go with a reputable moving company.
We've all heard moving horror stories. Go with an established, insured mover, so your items are protected. If any damage does occur by the movers, call the moving company immediately to notify them.
Pack it yourself, and pack early.
Nobody will take the same care you will. Start early and spread it out over many days. Label all your boxes by room so the movers know where to put them, and label anything that's fragile. Smaller breakables should be driven to your new home by you to ensure they are safe from breakage.
Do you really need to take that with you?
A new home is a new lease on life, and a chance to liberate yourself from stuff you simply don't need. If you haven't used it or worn it in the last year, you don't need it. Have a garage sale to make some extra cash for your move, or give your items to Goodwill or United Way. You won't have to pack and unpack it, and it will become someone else's treasure.
Once you move in.
The boxes are mostly unpacked and you're settling in nicely. You will now feel a strange urge to begin making changes and improvements right away. That old carpet has to go; a bigger deck would be great for entertaining...slow down! Take time to get a feel for your new home, and more importantly, your new budget. Take a deep breath and enjoy what you have, your new home.


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Bar Pendant Footprint- Vertical
Luxier Keepsakes is proud to offer free standard shipping within the continental United States. **Excludes Alaska, Hawaii, Puerto Rico & the U.S. Virgin Islands. We utilize USPS, UPS or FedEx Ground. In stock items are shipped the same day if the orders are placed by 1PM Eastern Standard Time, Monday through Friday. Orders placed after 1PM Eastern Standard Time will ship the following business day. Orders placed on Friday after 1PM Eastern Standard Time, will ship the following Monday. For orders that require customization, current production time is 2-3 business days, plus shipping time.
Orders are not shipped nor delivered on weekends and on the following U.S. Federal Holidays: New Year's Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day.
**For rush orders, please contact us for additional information.**
Please note: Solid Gold and Platinum jewelry MUST have the same billing and shipping information. Please allow 4-5 weeks for Solid Gold and Platinum jewelry to be customized.
We ship to most countries, including Canada, United Kingdom, the Netherlands, and New Zealand. If you find that we do not ship to your country, please contact us to see how we may assist you.
Your order will be processed in the same manner as U.S. orders, however, we ship via USPS only. We find this is the most cost effective option for our international customers. Once your product reaches customs and depending on your country, you will have to pay duty and tax on your product. This fee is not a charge from Luxier Keepsakes. For more information about paying duty and taxes when shipping to your country, please contact your country's mail delivery authority.
Adorn the face of this classic style bar pendant with an actual fingerprint, handprint or footprint to create a special personalized memento. Available in Sterling Silver, 14K Solid Yellow Gold, 14K Solid White Gold, 14K Solid Rose Gold, or Platinum.
7 mm W x 34 mm H| with chamber 4 mm D

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Prescription required. Can not be split. Product of Canada. Shipped from Canada.
Prescription required. Can not be split. Product of Canada. Shipped from Canada.
To comply with Canadian International Pharmacy Association regulations you are permitted to order a 3-month supply or the closest package size available based on your personal prescription. read more
The content on this page is for informational and educational purposes only and does not constitute professional medical advice. Patients should not use the information presented on this page for diagnosing a health-related issue or disease. Before taking any medication or supplements, patients should always consult a physician or qualified healthcare professional for medical advice or information about whether a drug is safe, appropriate or effective.


text:
About Google Books
Partner Program
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Google Play - Privacy Policy for Books
October 13, 2011 | View archived version
The main Google Privacy Policy describes how we treat personal information when you use Google's products and services, including Google Play. This additional policy for books on Google Play does three things: (1) it highlights key provisions of the main Google Privacy Policy in the context of books on Google Play, and (2) it describes privacy practices specific to books on Google Play.
Key provisions from the Google Privacy Policy
All of the provisions of the Google Privacy Policy apply to books on Google Play. Among other things, this means:
Practices specific to books on Google Play product
The privacy practices that are specific to books on Google Play are:
For additional information about books on Google Play and privacy, please see our FAQ.
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text:
NYC Horizons 19 - Available in 5 sizes
Please contact the gallery for more information on this work.
Milstein's high-resolution photographs of aircrafts and aerial landscapes use the latest advancements in photographic technology to capture minute detail. The artist's large format photographs are printed and mounted in his New York studio with archival materials, and framed in white with plexiglass; frames measure 0.75 inches wide and 2 inches deep.
Prices are subject to change as the editions sell out.


text:
Terms & Conditions
Table of Contents
- Scope of Application
- Conclusion of the Contract
- Right to Cancel
- Prices and Payment Conditions
- Shipment and Delivery Conditions
- Reservation of Proprietary Rights
- Warranty
- Redemption of Campaign Vouchers
- Applicable Law
- Place of Jurisdiction
- Code of conduct
- Alternative dispute resolution
1) Scope of Application
1.1 These General Terms and Conditions (hereinafter referred to as "GTC") of the company Outlet46.de GmbH (hereinafter referred to as "Seller") shall apply to all contracts concluded between a consumer or a trader (hereinafter referred to as "Client") and the Seller relating to all goods and/or services presented in the Seller's online shop. The inclusion of the Client's own conditions is herewith objected to, unless other terms have been stipulated.
1.2 For contracts regarding the delivery of vouchers, these GTC shall apply accordingly, unless expressly agreed otherwise.
1.3 A consumer pursuant to these GTC is any natural person concluding a legal transaction for a purpose attributed neither to a mainly commercial nor a self-employed occupational activity.
1.4 A trader pursuant to these GTC is a natural or legal person or a partnership with legal capacity who, when concluding a legal transaction, acts in the exercise of his commercial or independent professional activity.
2) Conclusion of the Contract
2.1 The product descriptions in the Seller's online shop do not constitute binding offers on the part of the Seller, but merely serve the purpose of submitting a binding offer by the Client.
2.2 The Client may submit the offer via the online order form integrated into the Seller's online shop. In doing so, after having placed the selected goods and/or services in the virtual basket and passed through the ordering process, and by clicking the button finalizing the order process, the Client submits a legally binding offer of contract with regard to the goods and/or services contained in the shopping cart. The Client may also submit his offer to the Seller by e-mail or per online contact form.
2.3 The Seller may accept the Client's offer within five days,
- by transferring a written order confirmation or an order confirmation in written form (fax or e-mail); insofar receipt of order confirmation by the Client is decisive, or
- by delivering ordered goods to the Client; insofar receipt of goods by the Client is decisive, or
- by requesting the Client to pay after he placed his order.
Provided that several of the aforementioned alternatives apply, the contract shall be concluded at the time when one of the aforementioned alternatives firstly occurs. Should the Seller not accept the Client's offer within the aforementioned period of time, this shall be deemed as rejecting the offer with the effect that the Client is no longer bound by his statement of intent.
2.4 If a payment method offered by PayPal is selected, the payment will be processed by the payment service provider PayPal (Europe) S.à r.l. et Cie, S.C.A., 22-24 Boulevard Royal, L-2449 Luxembourg (hereinafter referred to as "PayPal"), subject to the PayPal Terms of Use, available at https://www.paypal.com
2.5 When submitting an offer via the Seller's online order form, the text of the contract is stored by the Seller after the contract has been concluded and transmitted to the Client in text form (e.g. e-mail, fax or letter) after the order has been sent. The Seller shall not make the contract text accessible beyond this. If the Client has set up a user account in the Seller's online shop prior to sending his order, the order data shall be stored on the Seller's website and can be accessed by the Client free of charge via his password-protected user account by specifying the corresponding login data.
2.6 Prior to submitting a binding order via the Seller's online order form, the Client may recognize input errors by reading attentively the information displayed on the screen. The enlargement function of the browser to enlarge the display on the screen may be an effective method for better recognizing input errors.
The Client can correct all the data entered via the usual keyboard and mouse function during the electronic ordering process, until he clicks the button finalizing the ordering process.
2.7 The German and the English language are exclusively available for the conclusion of the contract.
2.8 Order processing and contacting usually takes place via e-mail and automated order processing. It is the Client's responsibility to ensure that the e-mail address he provides for the order processing is accurate so that e-mails sent by the Seller can be received at this address. In particular, it is the Client`s responsibility, if SPAM filters are used, to ensure that all e-mails sent by the Seller or by third parties commissioned by the Seller with the order processing can be delivered.
3) Right to Cancel
3.1 Consumers are entitled to the right to cancel.
3.2 Detailed information about the right to cancel are provided in the Seller's instruction on cancellation.
3.3 The right to cancel does not apply to consumers, who are no nationals of a member state of the European Union at the time of concluding the contract und whose exclusive domicile and delivery address were located outside of the European Union at the time of concluding the contract.
4) Prices and Payment Conditions
4.1 Unless otherwise stated in the Seller's product description, prices indicated are total prices including the statutory sales tax. Delivery costs, where appropriate, will be indicated separately in the respective product description
4.2 Payment can be made using one of the methods mentioned in the Seller's online shop .
4.3 In case of delivery to countries outside the European Union, additional costs may incur in individual cases for which the Seller is not responsible and which have to be borne by the Client. This includes for example transfer fees charged by banking institutes (transfer charges, exchange fees) or import duties or taxes (customs). Such costs regarding money transfer may also incur, if delivery is not made in a country outside the European Union and the Client carries out the payment from a country outside the European Union.
4.4 If prepayment by bank transfer has been agreed upon, payment is due immediately after conclusion of the contract, unless the parties have arranged a later maturity date
4.5 If the payment method "PayPal invoice" is selected, the Seller assigns his payment claim to PayPal. Before accepting the Seller's declaration of assignment, PayPal carries out a credit check using the transmitted Client data. The Seller reserves the right to refuse the Client the payment method "PayPal invoice" in case of a negative credit check. If the payment method "PayPal Invoice" is accepted by PayPal, the Client must pay the invoice amount to PayPal within 30 days from receipt of the goods, unless PayPal specifies a different payment term. In this case, he can only make payments with debt-discharging effect only to PayPal. However, in the event of assignment of claims, the Seller shall remain responsible for general customer inquiries, e. g. regarding the goods, delivery time, dispatch, returns, complaints, cancellation declarations and dispatches or credit notes. In addition, the General Terms and Conditions of Use for the use of the payment method "purchase" on account with PayPal shall apply; these conditions can be viewed at https://www.paypal.com
4.6 If the payment method "PayPal direct debit" is selected, PayPal collects the invoice amount from the Client's bank account on behalf of the Seller after a SEPA direct debit mandate has been issued, but not before the deadline for pre-notification has expired. Pre-notification means any communication (e. g. invoice, policy, contract) to the Client announcing a debit via SEPA direct debit. If the direct debit is not honored due to insufficient account coverage or due to the indication of an incorrect bank account, or if the Client objects to the debit, even though he is not entitled to do so, the Client shall bear the fees arising from the reversal of the respective bank, if he is responsible for this.
4.7 When choosing the payment method "PayPal Credit" (instalment payment via PayPal), the Seller assigns his claims to PayPal. PayPal checks the creditworthiness using the transmitted client data prior to accepting the Seller's declaration of assignment. The Seller reserves the right to refuse the payment method "PayPal Credit" to the Client in case of a negative outcome of the credit assessment. If the payment method "PayPal Credit" is accepted by PayPal, the Client has to pay the purchase price to PayPal at conditions defined by the Seller and displayed in his online shop. In this case, he can only make payments with debt-discharging effect to PayPal. In the case of assignment of claims, the Seller remains responsible for general customer inquiries regarding inter alia goods, delivery period, dispatch, returns, complaints, cancellation notice, deliveries or credits.
4.8 If a payment method offered via the payment service "PayPal" is selected, the payment shall be processed via PayPal, whereby PayPal may also use the services of third-party payment service providers for this purpose. If the seller also offers payment methods via PayPal that involve advance payments to the client (e.g., purchase on account or payment by instalments), he shall assign his payment claim to PayPal or to the payment service provider commissioned by PayPal and specifically named to the client. Before accepting the seller's declaration of assignment, PayPal or the payment service provider commissioned by PayPal shall carry out a credit check using the transmitted client data. The seller reserves the right to refuse the client the selected payment method in the event of a negative check result. If the selected payment method is approved, the client must pay the invoice amount within the agreed payment period or in the agreed payment intervals. In this case, he can only make payment to PayPal or the payment service provider commissioned by PayPal with debt-discharging effect. However, even in the case of assignment of claims, the seller remains responsible for general customer enquiries, e.g., about the goods, delivery time, dispatch, returns, complaints, cancellation declarations and deliveries or credit notes..
4.9 If the payment method "immediate bank transfer" is selected, payment processing is carried out via the payment service provider SOFORT GmbH, Theresienhöhe 12,80339 Munich (hereinafter referred to as "SOFORT"). If he wants to be able to pay the invoice amount via "immediate bank transfer," the Client must have an online banking account that is activated for participation in "immediate bank transfer". Furthermore he must have the appropriate credentials during the payment process, and must confirm the payment instruction to SOFORT. The payment transaction will be executed immediately afterwards and the Client's bank account debited accordingly. Further information on the payment method "immediate bank transfer" can be called up by the Client at https://www.klarna.com
5) Shipment and Delivery Conditions
5.1 If the Seller offers to ship the goods, delivery shall be made within the delivery area specified by the Seller to the delivery address specified by the Client unless otherwise agreed. When processing the transaction, the delivery address specified in the Seller's order processing shall be decisive. Deviating from this, if the payment method PayPal is selected, the delivery address deposited by the Client with PayPal at the time of payment shall be decisive.
5.2 Should the assigned transport company return the goods to the Seller, because delivery to the Client was not possible, the Client bears the costs for the unsuccessful dispatch. This shall not apply, if the Client exercises his right to cancel effectively, if the delivery cannot be made due to circumstances beyond the Client's control or if he has been temporarily impeded to receive the offered service, unless the Seller has notified the Client about the service for a reasonable time in advance.
5.3 Personal collection is not possible for logistical reasons.
5.4 The Seller reserves the right to withdraw from the contract in the event of incorrect or improper self-supply. This only applies if the Seller is not responsible for the non-supply and if he has concluded a concrete hedging transaction with the supplier. The Seller shall make all reasonable efforts to obtain the goods. In case of non-availability or partial availability of the goods he shall inform the Client and grant him immediately counterperformance.
6) Reservation of Proprietary Rights
If the Seller provides advance deliveries, he retains title of ownership to the delivered goods, until the purchase price owed has been paid in full.
7) Warranty
7.1 Unless otherwise stipulated , the provisions of the statutory liability for defects shall apply. Deviating therefrom, the following shall apply to contracts for the delivery of goods:
7.2 If the Client acts as trader
- the Seller may choose the type of subsequent performance,
- for new goods, the limitation period for claims for defects shall be one year from delivery of the goods,
- for used goods, the rights and claims for defects are excluded,
- the limitation period shall not recommence if a replacement delivery is made within the scope of liability for defects.
7.3 The above-mentioned limitations of liability and shortening of the period of limitation do not apply
- to claims for damages and reimbursement of expenses of the Client,
- if the Seller has fraudulently concealed the defect,
- for goods which have been used in accordance with their customary use for a building and which have caused its defectiveness,
- for any existing obligation of the Seller to provide updates for digital products with respect to contracts for the supply of goods with digital elements.
7.4 Furthermore, for traders, the statutory limitation periods for any statutory right of recourse that may exist shall remain unaffected.
7.5 If the Client is a businessperson pursuant to section 1 of the German Commercial Code (HGB) he has the commercial duty to examine the goods and notify the Seller of defects pursuant to section 377 HGB. Should the Client neglect the obligations of disclosure specified therein, the goods shall be deemed approved.
7.6 If the Client acts as a consumer, the forwarding agent has to be immediately notified of any obvious transport damages and the Seller has to be informed accordingly. Should the Client fail to comply therewith, this shall not affect his statutory or contractual claims for defects.
8) Redemption of Campaign Vouchers
8.1 Vouchers which are issued by the Seller free of charge, for a specific period of validity in the context of promotional activities and which cannot be purchased by the Client (hereinafter referred to as "campaign vouchers") can only be redeemed in the Seller's online shop and only within the indicated time period.
8.2 Individual products may be excluded from the voucher campaign, if such a restriction results from the conditions of the campaign voucher.
8.3 Campaign vouchers can only be redeemed by consumers.
8.4 Only one campaign voucher can be redeemed per order.
8.5 The goods value should meet at least the amount of the campaign voucher. The Seller will not refund remaining assets.
8.6 If the value of the campaign voucher is not enough for the order, the Client may choose one of the remaining payment methods offered by the Seller to pay the difference.
8.7 The campaign voucher credit will not be redeemed in cash and is not subject to any interest.
8.8 The campaign voucher will not be redeemed if the Client, in the context of his legal right to cancel, returns goods paid fully or partially by a campaign voucher.
8.9 The campaign voucher is transferable. The Seller may render performance with discharging effect to the respective owner who redeems the campaign voucher in the Seller's online shop. This does not apply if the Seller has knowledge or grossly negligent ignorance of the non-entitlement, legal incapacity or of the missing right of representation regarding the respective owner.
9) Applicable Law
9.1 The law of the Federal Republic of Germany shall apply to all legal relationships between the parties under exclusion of the laws governing the international purchase of movable goods. For consumers, this choice of law only applies to the extent that the granted protection is not withdrawn by mandatory provisions of the law of the country, in which the consumer has his habitual residence.
9.2 With regard to the statutory right of cancellation, this choice of law does not apply to consumers who do not belong to a member state of the European Union at the time of the conclusion of the contract and whose sole place of residence and delivery address are outside the European Union at the time of the conclusion of the contract.
10) Place of Jurisdiction
If the Client is a businessman, a legal entity of public law or a separate estate under public law with its seat in the territory of the Federal Republic of Germany, the Seller's place of business shall be the sole place of jurisdiction for all legal disputes arising from this contract. If the Client is domiciled outside the territory of the Federal Republic of Germany, the Seller's place of business shall be the sole place of jurisdiction for all legal disputes arising from this contract provided that the contract or claims from the contract can be assigned to the Client's professional or commercial activities. In any event however, regarding the aforementioned cases the Seller is entitled to call the court responsible for the seat of the Client.
11) Code of conduct
11.1 The Seller has agreed to the conditions of participation for the e-commerce initiative "Fairness in Commerce", which can be viewed at https://www.fairness-im-handel.de
11.2 The Seller is subject to the Google Customer Reviews Guidelines, which are available at https://support.google.com
12) Alternative dispute resolution
12.1 The EU Commission provides on its website the following link to the ODR platform: https://ec.europa.eu
This platform shall be a point of entry for out-of-court resolutions of disputes arising from online sales and service contracts concluded between consumers and traders.
12.2 To settle disputes with the Seller out-of-court, the consumer may contact the following alternative dispute resolution entity/ies:
Alternative Streitbeilegung:
Die Europäische Kommission stellt eine Plattform für die außergerichtliche Online-Streitbeilegung (OS-Plattform) bereit, aufrufbar unter https://ec.europa.eu
Wir sind bereit, an Streitbeilegungsverfahren vor Verbraucherschlichtungsstellen teilzunehmen.
Wir sind seit 28.07.2015 Mitglied der Initiative "FairCommerce".
Nähere Informationen hierzu finden Sie unter www.fair-commerce.de.
The Seller is obliged and he declares to attend a dispute settlement procedure before this/these alternative dispute resolution entity/ies.
Furthermore, the aforementioned online dispute resolution platform of the European commission may be used to resolve disputes.


text:
Hebrews Chapters 2| Sunday School | Pastor Terry Kern
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Sanctify them in Your Truth. Your Word is Truth. - John 17:17


text:
Included in this sale are:
Minimum Offer: Best Offer
Previous offers:
Important notice: Due to increased hacks on our mail servers, outgoing mail has been disabled. When you place a bid, you will get this error message: Message could not be sent.However, your bid will be submitted and you will get a response.
By submitting the minimum offer you are hereby acting as the sole initiator of a possible transaction between yourself and the domain name owner. If you place the minimum offer, you will be contacted by email, usually within 48 hrs. However, our minimum offer does NOT necessarily indicate our final offer.Understand that our email contact to you will contain text and dollar amounts that are often flagged as spam. PLEASE CHECK YOUR SPAM FOLDER. Finally, if you cannot afford the minimum offer, please do not bid. Thank you.
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Important Notice: Your bid is legally binding for 7 days.


text:
This set of hand drawn and hand-painted elements is perfect for your personal creations and craft business!
All elements were designed and drawn by me (Tanya Kart) using iPad Pro.
After purchasing 1 ZIP file will be available for downloading.
This clipart includes:
- 52 PNG files (separated elements) with transparent background. Each element is saved as separate file.
- For personal use
- Small Commercial Use or home based business (up to 500 copies for sale)
***** When you use my cliparts commercially it is NECESSARY to give a credit/link to my design like this: The design/artwork by Tanya Kart or add the link to our shop https://atartdigital.com
If you are interested in using my artworks without adding a credit or link to our shop in the description of items you sell you need to purchase a commercial license for each product you want to use commercially:
Matching Digital Papers:
You can use my artworks for creating digital prints and posters, printable cards, planners stickers, invitations, calendars , jewelry, home decor, business cards, banners for sale and merchandise, blog theme and web design.
For commercial mass production with my graphics, you must to purchase an Extended License for unlimited sales.
Please contact me if you have any questions.
YOU MAY NOT SHARE these original files and RESELL them!!!
Copyright © 2018 Tanya Kart. All rights reserved
This is digital product. File will be available as INSTANT DOWNLOAD file.
Thank you for visiting our shop!


text:
1(515) 576-7136
Financial | Accounting Services
Every level of government in the Fort Dodge area promotes small business, non-profit organizations, and individuals to increase their success in Webster County. Learn More
Iowa has one of the nation's highest high school retention and graduation rates. Learn More
With its historic homes and picturesque setting along the Des Moines River, the city of Fort Dodge and its surrounding countryside offers a delightful place to call home. Learn More


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Those numbers are registered to a switch in Hagerstown, Maryland. See more specific information about a caller by searching or selecting the appropriate button below.
View specific caller information
See if others have received the call, and what it was about
With thousands of Americans falling victim to telephone scams every day - we wanted to make something to help. Sphinx makes it easy to share and read info about the latest suspicious call activity so you can stay one step ahead of the scammers.
240-380-8939 marked as Fake IRS/Bank/Authority
240-838-8659 marked as Asking For Money
240-912-3453 marked as Missed Call
240-422-2913 marked as Missed Call


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Black & Tan (Charcoal Black & Pebble) 2-Tone Tan ( Trim Code EH located on the VIN sticker in your Glove box or door panel)
If a customer is ever unsure of the color of their seats they can send us the last 8 digits of their VIN on eBay or contact us at (713)597-7598 for a correct match.
Placement on Vehicle:
Driver Bottom
(Available for Passenger side)
Surface Finish:
Brand & Model:
Ford Excursion
Sub model:
Eddie Bauer 2WD, 4X4, Gas, Diesel
Years Fitted:
Seat Cover Replacement:
OEM Replacement
Fits Heated and Non-heated Seats. (Heated and Powered seats will not be affected with the change to a new cover because the wiring for the heating elements are connected to the cushion not the actual seat.)
Seat Covers Attached Padding:
½ inch foam padding will be attached to the seat covers
This is a replacement OEM leather seat cover that comes with half an inch foam padding to cover any damaged areas and plastic tabs for installation. For installation please go on YouTube and search the year and model of the vehicle and add leather replacement seat cover and you will find couple of videos on how to install it.
Additional Information:
All our products are made of the finest material and manufactured and assembled in Houston and ship worldwide.
we use %100 leather for our seat covers and we get our leather from KeySton Bros in Houston, Texas These materials are U.S. made and have a high quality compare to other companies.
Due to the regular wear and tear of the seat cushion as well as the placement of the power seat buttons we do not manufacture our seats with the inserts already cuts.


text:
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This work is licensed under a Creative Commons Attribution-Noncommercial-Share Alike 3.0 New Zealand License
This licence lets you remix, tweak, and build upon our work noncommercially, as long as you credit us and license your new creations under these identical terms. You can download, redistribute, translate, make remixes and produce new stories based on our work. All new work based on ours will carry the same licence; so any derivatives will also be noncommercial in nature.
Stand and Deliver! A Comprehensive Account of 'Bold' John Donohoe and his
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Richard de Grijs, Stand and Deliver! A Comprehensive Account of 'Bold' John Donohoe and his (2023). Blacktown Memories, accessed 05/12/2023, https://blacktownmemories.recollect.net.au/nodes/view/18937


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Install the Gays-Cruising App
Add this spot to your website by copying the code below.
Report incorrect data: location, type, description, etc.
If you are gay or heterocurious and want to practice cruising anonymously and respectfully, here you can discover and share the top Gay Cruising Spots in Albal. Find the spots closest to you, such as beaches, urban parks, wastelands, forests, as well as public places such as bathrooms and highway rest areas, where you can have sex and casual NSA encounters with unknown boys.
Below we show a Albal cruising map with all cruising areas and spots that shared our gay community. Click on the map markers for details of each spot.
In the tab for each zone you will find a location map with directions to the place: driving, walking, public transport or bike. You can vote the area and leave a comment for the rest of the community guys know your opinion, and if you want people to know you're in the area, do not hesitate to check in.
Detrás de vía de servicio Pista de Silla
Alguien por aquí a las 21?
Detrás de vía de servicio Pista de Silla
YoIn reply to Alimentame (Show the comment)
Alguien quiere descargar?
Detrás de vía de servicio Pista de Silla
Alguien quiere descargar?
Detrás de vía de servicio Pista de Silla
Algún papi con ganas mañana por la tarde
Detrás de vía de servicio Pista de Silla
Alguien por aquí con ganas de pasarlo bien
Detrás de vía de servicio Pista de Silla
Yo puedo pasar por la zona por las tardes, a partir de las 5 y media, alguien a esas horas?
Detrás de vía de servicio Pista de Silla
Esta tarde , busco rabo que me sacie
To avoid sexually transmitted diseases, always use a condom. When finished, remember to collect everything (condom wrappers, tissues, etc.) and leave the environment clean.
In many cruising areas there are malicious people who take the opportunity to steal valuables. Therefore, when you go to practise cruising, try not to carry money, jewelry, etc., and if possible try to be accompanied.
Not everyone in cruising areas is looking for the same thing as you. If they tell you NO, respect and do not disturb, just as you'd like to be respected.
Remember that it is totally forbidden to have sex with children under 18. Before you do anything, check that the person you're flirting with is of legal age.
If at any time while you practice cruising you suffer some form of aggression, intimidation, theft or extortion, report it to the local authorities. Therefore, it is always good to get some information about your cruisingmate: name, description, license plate, etc.
If you know any other places or spots where Cruising can be practised in Albal, you can add them to the map and share them with the rest of gay people through this link: Add a new cruising spot in Albal, Valencia


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This Stainless Steel Deep Fryer is durable for both home and commercial use. Easy to operate and clean. It is great for cooking French Fries, onion rings, egg rolls, fried chicken, panko shrimp and any other deep fried food.
1. Solid construction, made of heavy duty stainless steel
2. Temperature indicator light displays when the fryer is heating the oil
3. Heating pipe distributes even and quick heat
4. Lid cover prevents the boil oil splashing and safely covers the oil when not in use
5. Fryer basket with plastic handle prevents scalding of your hands and brings safe and easy operation
6. Residue plate for filtering out the dregs
7. Thickened tank for durable use, can be detached for easy cleaning
8. Great for cooking French Fries, onion rings, egg rolls, fried chicken, panko shrimp and any other deep fried food
9. Perfect for home and commercial use
Notice: Please peel off the white plastic film before using.
1. MAX Power: 2500W
2. Tank Capacity: 6.3QT/6L
3. Voltage: 110V
4. Frequency: 60Hz
5. Temperature Range: 60℃ - 200℃ (140℉ - 392℉)
6. Overall Dimensions: (17.3 x 11 x 12.2)" / (44 x 28 x 31))cm (L x W x H)
7. Tank Dimensions: (11.8 x 9.5 x 5.9)" / (30 x 24 x 15)cm (L x W x H)
8. Basket Dimensions: (8.3 x 7.3 x 4.1)" / (21 x 18.5 x 10.5)cm (L x W x H)
9. Handle Length: 8.3" / 21.5cm
10. Power Cord Length: 55" / 1.4m
11. Weight: 8.6lbs / 3.9kg
12. Brand: ZOKOP
Package Includes:
1 x Single Tank Deep Fryer
1 x Stainless Steel Basket
1 x Handle
1 x Stainless Steel Lid
1 x Stainless Steel Residue Plate
1 x Installation Package(4 x Feet 1 x Cover Handle)
1 x Manual
Brands Authorization
Brands Authorization on GaoMon
Since its start in 2010, As a e-commerce platform, GaoMon provides online sales channels for excellent brands procucts for promotion and online sale.
All the products sold on GaoMon website, the suppliers must provide brand authorization to GaoMon before they can officially sell their products on the GaoMon platform. Also we will carry out strict selection and assessment of all brands.
Gaomon has been committed to provide quality household products more accessible to families. We provide affordable, full-featured products, and want to be an online store for one-stop shopping, to help you furnish and organize your home while making your life easier and more comfortable.
List of authorized brands:
Warranty Policy
Warranty Policy
Gaomon guarantees all products bought from Gaomon with a 2 Months to 15 Months warranty against defects in quality ( include extra warranty longest to 3 Months ). Different suppliers and different brands of products have different warranty times, please consult our customer service.
|Extra Warranty & How to do?
|1 Year
|3 Months
|Follow any 2 social medium of GaoMon, and Share/post your products photoes/videos add our link on any one of your medium: Facebook, Twitter, Instagram, Youtube, Tiktok or Pinterest, Vimeo. (When you finish the operation, please send a screenshot to contact our customer service to register you in our system. After the customer service confirms, the warranty extension will take effect after registration. Please do not delete or unfollow, we will check when quality problems occur and the warranty period needs to be extended, thanks)
|1 Year
|30 Ddays
|6 Months
|30 Ddays
|6 Months
|30 Ddays
|6 Months
|30 Ddays
|3 Months
|30 Ddays
|3 Months
|30 Ddays
|3 Months
|30 Ddays
|3 Months
|30 Ddays
|3 Months
|30 Ddays
|3 Months
|30 Ddays
|60 Days
|60 Days
|60 Days
|60 Days
|60 Days
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|60 Days
This article is about the warranty on products you buy from gaomon.com .
All goods dispatched from Gaomon are checked for quality, including checks of the appearance of the goods, the function of the hardware and software, the packaging, and inclusion of applicable accessories and power adapters.
Gaomon undertakes to communicate openly, promptly, and carefully with all customers in relation to issues with received goods.
If you are a customer with goods which appear to have a problem, please talk to us before initiating complaints with PayPal or your credit card provider. Usually there is a way for us to resolve your issue quickly and make you satisfied!
What Does Gaomon's Warranty Imply?
As a e-commerce platform, Gaomon can only offer problem-solving for faulty products which either shipped in an unsatisfactory condition, or developed internal faults naturally during usage without issues of physical damage or unsupported usage. In other words, if the product is broken you can contact us then we will contact the suppliers for you, the suppliers will deal it maybe send it back for a repair or refund.
Warranty Does Not Include:
The warranty does not include any kind of:
- Technical and/or physical support on product installation and usability
- Advice about product's configuration (or any software issues if applicable)
- Software/OS updating or firmware flashing as it would void Gaomon's warranty, if applicable
- Product issue diagnostic and troubleshooting, in case of issues caused by mishandling
Warranty by Default Covers Repair if it is a possibility
The Gaomon warranty means the suppliers will repair your faulty item for free and send it back to you for free. Other compensation is not normally available if the product can be repaired promptly.
If an item is impossible to repair to a good working condition, or would take too long to do so, the suppliers will next offer you an equivalent product or payment refund.
Decision on repair attempt or direct refund of payment will be made exclusively by the Gaomon Ltd.
When does the Warranty start from?
The warranty period begins from the receipt of the goods by the initial consignee. In the case of resellers, this is when the vendor receives the goods from Gaomon. The period is exactly 60 days from that time. For example, a product on the last day of 6th month is covered, but a product day after that day is no longer covered.
In the case of delivery methods or destinations which lack a confirmed delivery tracking date, we will take the assumption that the warranty period starts 30 days after we sent out your order.
Exceptions to Warranty
- We do not offer warranty or support for products not bought from Gaomon.
- The user voids the warranty if s/he opens the body in an attempt to fix, flashes the firmware of a device, or otherwise uses the device in a way that is not considered normal usage.
- The warranty does not extend to free repair / replacement in cases to damage to products, accidental breakage, misuse, or wear and tear. Signs of physical damage may cause us to refuse to provide free repair.
- Accessories are not covered the same warranty that applies to the main product (for more details check with our customer support).
- Lamps have a special condition applied due to the fact that lifetime depends on hours of use.
- RC Toys are not covered for your breakage and internal rechargeable batteries are not covered by the general warranty (for more details check with our customer support).
In what situations are returns/compensation NOT approved by Gaomon?
Below are instances where a customer will not be eligible for returns and/or compensation:
- Unapproved returns or returned products not processed through Gaomon's RMA procedure;
- Products whose warranty period has expired;
- Received returned products that are damaged because of inadequate return packaging;
- Products that were originally approved for return through our RMA procedure but have been confirmed by our QC engineers to be not broken and actually well-functioning after testing, shall not be returned to the buyer, unless the buyer pays return shipping;
- Physically damaged or broken products caused by misuse or mishandling, subjects to manufacture technical test result;
- Returns of your unwanted, unsold yet functional products;
- Products bought by mistake.
The customer is solely responsible for choosing the right product, according to their needs and requires. We will send you exactly what you order, so please read descriptions carefully before purchasing.
If the consignee of a delivery refuses or fails to accept delivery for any reason, including refusal to comply with customs clearance/costs or simply having an incorrect address, Gaomon accepts no liability and the customer will not be eligible for compensation.
Featured Products
Usually, all the successful orders will be dispatched within 48 hours after placing the order by 5:00 pm every day.
All orders are shipped out via UPS or USPS or FedEx. We will match your address to the most suitable shipping method to arrange delivery.
Since all our products are shipped locally in the United States, generally the products will be delivered within 2-4 working days after they are dispatched.
We insist on the use of high-quality materials, combined with minimalist cutting-edge design, and strict quality control on a first-class production line. All the products provided on our website have quality assurance! We hope to allow everyone to enjoy a better quality of life at home, and we are committed to creating a comfortable lifestyle for you.
All our products are brand direct sales! There are no middlemen so the price is as low as possible. We are determined to provide high-quality household products at affordable prices, including but not limited to household appliances, kitchen appliances, furniture, office furniture, home improvement improvements, etc.
Payment Methods Accepted:
Gaomon accept payments via PayPal (direct and payment cards), direct Credit Card, Bank Transfer.
Gaomon does not have any insight or can keep any sensitive details related to your payment or the payment process!
Apart from products, we also strive to optimize the entire shopping process to deliver your products in the shortest possible time with the best shopping experience, and via an excellent logistics network. Our online store provides quality assurance and after-sales service for all products, and our focus is to create a shopping experience you will love. We hope to make your life more convenient through our brand.
Gaomon guarantees all products bought from Gaomon with a 2 Months to 2 years warranty against defects in quality ( include extra warranty longest to 1 year ). Different suppliers and different brands of products have different warranty times, please consult our customer service


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Looking today at week-over-week shares outstanding changes among the universe of ETFs covered at ETF Channel , one standout is the Technology Select Sector SPDR Fund (Symbol: XLK) where we have detected an approximate $67.5 million dollar inflow -- that's a 0.4% increase week over week in outstanding units (from 265,710,000 to 266,660,000). Among the largest underlying components of XLK, in trading today Mastercard Inc (Symbol: MA) is off about 0.2%, Oracle Corp (Symbol: ORCL) is trading flat, and International Business Machines Corp (Symbol: IBM) is lower by about 0.8%. For a complete list of holdings, visit the XLK Holdings page » The chart below shows the one year price performance of XLK, versus its 200 day moving average:
Looking at the chart above, XLK's low point in its 52 week range is $57.57 per share, with $76.265 as the 52 week high point - that compares with a last trade of $70.82. Comparing the most recent share price to the 200 day moving average can also be a useful technical analysis technique -- learn more about the 200 day moving average » .
Exchange traded funds (ETFs) trade just like stocks, but instead of ''shares'' investors are actually buying and selling ''units''. These ''units'' can be traded back and forth just like stocks, but can also be created or destroyed to accommodate investor demand. Each week we monitor the week-over-week change in shares outstanding data, to keep a lookout for those ETFs experiencing notable inflows (many new units created) or outflows (many old units destroyed). Creation of new units will mean the underlying holdings of the ETF need to be purchased, while destruction of units involves selling underlying holdings, so large flows can also impact the individual components held within ETFs.
Click here to find out which 9 other ETFs had notable inflows »
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.


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Motorcycle Insurance Lubbock, Texas
We are a Texas based insurance agency that specializes in motorcycle coverage. We will shop the best motorcycle insurance companies in Texas to find you the best coverage at an affordable price. You can either fill out our online quote form or contact us for a free, no-obligation quote.
Insurance companies will take into consideration many different factors when insuring your motorcycle in Texas. One company is not always the best fit for everyone, that is why we compare companies for you. These factors include:
- Driving record
- Credit History
- Your Age, Address
- The Type of Motorcycle
- The Number of Drivers
Motorcycle Insurance in Lubbock, Texas
Most companies offer coverages similar to auto insurance policy. This would include your bodily injury and property damage liability. You may also consider additional Texas motorcycle insurance including medical payments, comprehensive and collision coverage. Uninsured motorist covers you in the event you are injured by someone who does not carry insurance or may not have enough insurance to cover your injuries.
You may also qualify for discounts that could possibly lower your premiums. These may include:
- Multiple policies with our company
- Safety courses that you may have taken
- Renewals
- Insurance on more than one motorcycle
So let us take a look at your current policy and evaluate your personal, financial and lifestyle changes for your Texas motorcycle insurance. We can service your motorcycle insurance needs in Lubbock, Texas area.


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Helvetica supports up to 92 different languages such as Spanish, English, Portuguese, Russian, German, French, Turkish, Italian, Polish, Ukrainian, Kurdish (Latin), Romanian, Dutch, Hungarian, Czech, Serbian (Latin), Serbian (Cyrillic), Kazakh (Latin), Bulgarian, Swedish, Belarusian (Cyrillic), Belarusian (Latin), Croatian, Finnish, Slovak, Danish, Lithuanian, Latvian, Slovenian, Irish, Estonian, Basque, Luxembourgian, and Icelandic in Latin, Cyrillic, and other scripts.
Please note that not all languages are available for all formats.
Helvetica is one of the most famous and popular typefaces in the world. It lends an air of lucid efficiency to any typographic message with its clean, no-nonsense shapes. The original typeface was called Neue Haas Grotesk, and was designed in 1957 by Max Miedinger for the Haas'sche Schriftgiesserei (Haas Type Foundry) in Switzerland. In 1960 the name was changed to Helvetica (an adaptation of "Helvetia", the Latin name for Switzerland). Over the years, the original Helvetica family was expanded to include many different weights, but these were not as well coordinated with each other as they might have been. In 1983, D. Stempel AG and Linotype re-designed and digitized Neue Helvetica and updated it into a cohesive font family. At the beginning of the 21st Century, Linotype again released an updated design of Helvetica, the Helvetica World typeface family. This family is much smaller in terms of its number of fonts, but each font makes up for this in terms of language support. Helvetica World supports a number of languages and writing systems from all over the globe.Helvetica World, an update to the classic Helvetica design using the OpenType font format, contains the following Microsoft code pages:1252 Latin 1, 1250 Latin 2 Eastern, 1251 Cyrillic, 1253 Greek, 1254 Turk, 1255 Hebrew, 1256 Arabic, 1257 Windows Baltic, 1258 Windows Vietnamese, as well as a mixture of box drawing element glyphs and mathematical symbols & operators. In total, each weight of Helvetica World contains 1866 different glyph characters!Many customers ask us what good non-Latin typefaces can be mixed with Helvetica World. Fortunately, Helvetica World already includes Greek, Cyrillic and a specially-designed Hebrew in its OpenType character set. But Linotype also offers a number of CJK fonts that can be matched with Helvetica World.Chinese fonts that pair well with Helvetica World:DF Hei (Simplified Chinese)DF Hei (Traditional Chinese)DF Li Hei (Traditional Chinese)DFP Hei (Simplified Chinese)Japanese fonts that pair well with Helvetica World:DF GothicDF Gothic PDFHS GothicKorean fonts that pair well with Helvetica World:DFK Gothic


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Bid Information
Bid Alert No: 00003479685
Bid Title: TERMITE CONTROL FOR CAMPUS BUILDINGS (RENEWABLE CONTRACT)
Agency Bid No. Title: Not Stated
Received Date: 03/30/2023
Close Date: Not Stated
Purchase Type: Advance Notification
Delivery Date: Not Stated
This opportunity is based on a previous purchase that may be expiring soon. The need for similar products and/or services may be required again in the near future. While specific details are not finalized or certain at this early stage, this information is a key first look at a potential upcoming opportunity.
Product Code: 91059
Agency Information
Issuing Agency: University of Louisiana at Lafayette
State: Louisiana
Agency Type: State and Local
Contact: https://wwwcfprd.doa.louisiana.gov/OSP/LaPAC/dspBid.cfm?search=department&term=33


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This wallpaper starts from $10 per square foot.
Samples (8.5" x 11") at $5.00 each.
Product Code: LHU12804
Our wallpaper is custom made to your specifications. Instead of online purchase, we offer a personalized service and liaise directly with you to ensure your order exactly meets your requirements. Please contact us for further enquiries.
Samples are available to help you make decisions and represent the final print however they may not contain all aspects of a design or may contain text or scaled images.
The wallpaper substrates we use come in a range of finishes suitable for different environments. Each is fire retardant in accordance with EN13501-1:2007. We can also laminate wallpapers to make them ideal for humid spaces such as kitchens and bathrooms.Our paper finish wallpaper is PVC free and 100% recyclable. Printed with non-toxic latex inks and matt UV varnish, providing our clients with an eco-friendly, quality product.Robin Sprong's customisable prints are endorsed with both Green Guard Gold® & UL ECOLOGO.
For information about the various substrates we use - please check our Wallpaper FAQs
Sample lead times are 14-21 days.
Final order lead times 14-21 days.
Shipping price will be confirmed at placement of order.
Cost of samples will be reimbursed on confirmation of an order.
Trade customers customers contact us about sample pricing discounts.


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15% Off*, Code HPGM15| $50 Off $250*, Code HP50
Opticell is a brand of Medline.
Customer Care available 24/7 on chat and by phone 8AM – 8PM EST
We safeguard your information. Protecting Customer privacy is important to us
A one-stop shop for most reputed brands in medical supplies and equipment.
INC 5000 company with over 95000 customer reviews
Competitive pricing, financing and flexible payment options available
Not every purchase works out, we get it.
Make informed decisions with access to articles and buying guides
Over the past 2 decades, we've served more than one million customers


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Get your game console repaired in Redlands
Free, no-obligation diagnostics on all consoles such as XBox, PlayStation, or Nintendo.We'll beat any local competitor's published price by $5.*Backed by our 1-year limited warranty.**
- All Locations
- California
- Redlands
- Game repair
Not sure what's wrong? Let us take a look.
We'll beat any local competitor's published price for the same repair by $5.
Most repairs come with our hassle-free warranty—valid at any location.
Visit our Redlands store
Stop by our Redlands, CA store, and one of our experts will fix your tech with or without an appointment. Can't come in? We have mobile repair vans that'll come to you.
The team at our Redlands, CA store can repair your devices and resolve your tech problems too. Not sure what's wrong with your device? We'll run a free diagnostic.
When customers visit our Redlands, CA store, they receive fast, affordable repairs—most repairs done in 45 minutes or less, and come with our hassle-free 1-year limited warranty.
Your tech. Fixed.
We repair the devices you rely on most. Here are some of the issues we can help resolve:
Water Damage
Wet phone? Forget the bag of rice. We've got you.
Cracked Screen
We can repair your device in hours, not days.
Short battery life
We'll make sure your tech is working at its best.
Charging issues
No juice? No problem. We're here to help.
Have old devices? Bring them in.
We partner with Samsung to securely and responsibly recycle tech.Learn More
What our Redlands customers are saying about game console repair services
Whether you had a stellar experience or you think there's room for improvement, please let us know. We value your experience at our stores above anything else. We want to hear from you!
What can we fix for you today?
In Redlands, CA—and across the country—we repair iPhone® devices quickly for the lowest possible price and with only high-quality parts.
We're an authorized Samsung® repair provider in Redlands, CA, and elsewhere across the country, so you can rest easy knowing your device is in good hands.
We're an authorized Google® repair provider in Redlands, CA, and elsewhere across the country, so we know how to get you back up and running.
We repair cellphones quickly in Redlands, CA—including iPhone, Samsung, and Google devices. So come check us out.
When you need a fast, quality MacBook® repair in Redlands, CA, come see us. As an Independent Repair Provider for Apple®, we'll use Apple parts and tools too.
Broken laptop? Get the best laptop repair in Redlands, CA and a low price guarantee with us. We fix all laptop models quickly and with high-quality parts.
Need a Razer® laptop repair or Surface® tablet repair in Redlands, CA? We fix most models—fast. Plus we offer a price match guarantee.
Looking for computer repair in Redlands, CA? Our service is quick and easy. Plus we offer the lowest possible prices and free diagnostics for your device.
Cracked Nintendo Switch® screen? Our Nintendo Switch repairs in Redlands, CA are fast, easy, and convenient. Stop by and see for yourself.
Having PlayStation® issues? Get a Playstation repair from trusted experts in Redlands, CA. We'll fix it right and provide a 1-year limited warranty.
Xbox® not working? We can have your Xbox back up and running as soon as the same day. Come visit us in Redlands, CA for your next Xbox repair.
Broken Nintendo Switch, PlayStation, or Xbox? If you're looking for game console repair in Redlands, CA, look no further.
Want high-quality customer service and top-notch iPad® repairs in Redlands, CA—fast? You're in the right place. We can fix iPad devices quickly for a low price.
If your tablet screen is cracked or the battery won't hold a charge, we've got your back. Come visit us in Redlands, CA for tablet repairs.
Game console repair in Redlands, CA
Whether you're a pro gamer or you're keeping a retro console alive to play your favorites, the uBreakiFix® by Asurion store in Redlands has you covered. If you have a broken gaming system, like a PlayStation® gaming console problems, if your Nintendo Switch™ screen won't turn on, or your Xbox® system won't turn on, that doesn't have to mean you're out of the game for good. Come to uBreakiFix by Asurion, where our experts will diagnose your electronic issues and help get you gaming again in no time.
Power up your game console repair
We're the top experts for game console repair in Redlands, and we have experience with tons of console and handheld device issues. If you're experiencing disc read errors, unexpected shutdowns, or problems connecting your Switch or Xbox controllers, we are here to help. Our certified technicians are highly-trained, and can fix practically anything with a power button. With millions of customers already served, we have seen game console problems of all sorts. From removing cookies stuck in the disc drive to fixing broken pins or replacing power cords chewed by pets, we've conducted a variety of game console repair services in Redlands, so we can tackle yours too. No matter what your issue is, we'll perform a analysis, diagnose the problem, then provide an accurate cost estimate and what it will take to get your console back up and running.
Reliable service done right
Gaming system go kaput? Choosing our pros to fix your game console means you'll get quick, reliable repair. Shipping a gaming console to the manufacturer can be pricey and take a long time, and fixing your gaming device, like a Playstation® console repair or Nintendo Switch screen replacement, could take days, or even weeks. Try getting a game repair in Redlands near you from your local uBreakiFix by Asurion store instead. Our convenient location makes it easy to bring your console by for a free diagnostic exam. For even more convenience, we also offer mail-in services, curbside drop-off and pickup, and, in some locations, even offer a mobile repair service where we'll come right to you.
Our techs can typically tackle simple fixes, like Joy-con™ controllers that keep disconnecting, Xbox repair, or a scratched screen on your Nintendo Switch, often as soon as the same-day. Repairs will often be ready in a matter of just hours. We'll give you a detailed estimate for the cost and time for your game console repair, so you can make a fully informed decision. It's all part of our transparent repair process.
Why choose us?
We know how frustrating it can be to miss out on the action when your game console won't work. Remember, when you come to uBreakiFix by Asurion in Redlands, we'll always work hard to fix your device as rapidly as possible to ensure your satisfaction. We're a top company in the tech industry, and we offer many options for game console repair or replacement. Our pros provide outstanding, affordable service for your gaming devices, like a Switch repair, PlayStation® 5 controller or other game system issues. You can count on our price-match guarantee, too—if you find a lower regularly published price at a local competitor, we'll not only match it, but we'll also lower that cost by $5 on top. That's not all we offer to ensure your satisfaction, either. In addition to our affordable prices and rapid turnaround times, you can count on us for repairs that last. Our experts fix every device using only top-quality replacement parts. Plus, our repairs are backed by a limited1 year guarantee on service and parts, so you know you're covered if your gaming console starts acting up again after you get home. For a quick, dependable game console repair in Redlands, contact your nearest uBreakiFix by Asurion store today.
The Asurion Tech Repair & Solutions™ trademark and logo are the property of uBreakiFix Co. All rights reserved. iPhone® and iPad® are the trademarks of Apple Inc. All other trademarks are the property of their respective owners. Asurion Tech Repair & Solutions is not affiliated with, sponsored by, or endorsed by Apple or any of the respective owners of the other trademarks appearing herein.
** Our repairs come with a 1-year limited warranty, valid at all our locations. The only exceptions are liquid damage repairs or if we're working on your device through your Original Equipment Manufacturer warranty or some other coverage plan. Then the terms of that coverage would apply.