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All You Need To Know About Texas USDA Loans
If you have not yet heard of the USDA loan, you are not the only one. In many ways, this most advantageous form of financial aid has not been greatly publicized, until today.
In the following article, we will provide you with all you need to know about how USDA loans work.
The USDA Loan is available to most regions of the United States and offers zero-down mortgage opportunities. These loans come from private lenders with guarantees from the USDA. And are primarily used to provide homebuyers in rural areas a chance to purchase homes in less industrialized areas.
These USDA loans function in the same way as a government-backed mortgage. To gain the loan a homebuyer will work with a USDA lender to become preapproved before putting down an offer, going through the loan appraisal, getting the lender underwriting and closing the deal.
While the 0-down offer is probably the most enticing thing about this deal, there are some other benefits here too. Following are 10 other facts and benefits that you may not have known about.
1) Most of The U.S. Is Eligible
A USDA loan can be purchased for financing housing in just about any "rural area" and many people will be surprised what constitutes such a zone. You might think this means living miles from civilization, but actually any region with a population of under 35,000 could fall into this category. As a matter of fact, most of the US (97%) is eligible for this loan.
2) USDA Loans Are Only For Primary Residences
But, you are looking for that sweet little home away from home in the countryside? Sorry, the USDA loan is offered only to those homebuyers looking to finance their primary residence. This means that the home you would like to mortgage with a USDA loan will have to be the place where you reside all the time.
3) Many Property Types Are Eligible
When you were here rural, you may get the idea of a ranch or sprawling Southern Estate or anything with endless acreage. That's not usually the case, USDA loans are in place for just about any size of the dwelling and include new constructions and single-family homes as well, the opportunities are truly extensive.
4) You Can Make Too Much Money To Qualify For A USDA Loan
The USDA loans will not be catering to all budgets either. Your household income levels will play an important role in deciding your eligibility for this. As a rule of thumb, a USDA loan will only be for those making within 115% of the areas average income.
Lenders will be looking at the household income although there will be some deductions that qualify for subtraction.
5) The Loan Program Encompasses Two Separate Types
The term "USDA Loan actually encompasses a couple of different loan types. Here is what you need to know about these very different programs.
- USDA Direct Loan. This type of loan provides you with funds coming from the USDA directly. To qualify for this type of support, you must have an income equal to 50 to 80% of the local average. The terms can also be much longer than the average 30 years, up to 38 years in some cases. Plus, it comes with special interests rates that make the monthly payment plan far more attainable. Those looking for a USDA Direct Loan will need to contact their Rural Development office.
- USDA Guaranteed Loan. The USDA Guaranteed Loan functions very much like any other loan backed by the government, like FHA and VA Loans. This type of loan must be processed through valid USDA lenders and uses the household income numbers to decide who is eligible. Because these loans are guaranteed by the USDA, they are a little more stringent in their policies. For example, the borrower must have a credit score of 640.
6) Even If You Have Had A Foreclosure Or Bankruptcy, You Can Still Qualify For A USDA Loan
If you have hit a rough road financially, you can expect the USDA to be very understanding. There is a chance for those recovering from foreclosure and bankruptcy. After a Chapter 7 Bankruptcy or a foreclosure, the USDA will ask for a three-year waiting period before eligibility is restored.
7) They Have Some Of The Lowest Mortgage Insurance Fees
When you request a loan through the regular mortgage process, you will need to pay up roughly 20% down as well as an additional monthly fee for "Private Mortgage Insurance". This PMI protects the interests of the investment and can be anywhere from 0.5% to 1% of the entire loan value. In the traditional framework, this can be a very expensive payment and a $200,000 loan will cost as much as $200 a month in just PMI.
The USDA offers a much more rewarding scenario. The upfront fee is a mere 1% of the total loan amount and the annual insurance will come out to 0.35% of the loan. This means that on the same loan described above, the insurance payments would be $58.
8) Flexible Credit Guidelines
The USDA has not made any specific credit score too low, but you can expect that your USDA-approved lender will require a score of 640 or more. This is the number held by the USDA's Guaranteed Underwriting System (GUS) and is used to determine credit risk. If your score is below 640, your loan would have to be underwritten manually, if your lender decides to grant you the loan.
9) They Allow You To Use A Co-borrower
The USDA also allows a co-borrower to sign on with you and promise to continue paying the loan if you will not be able to. There is no requirement to use such a co-borrower, but if in the event that you have one it can improve certain requirements and make you seem more creditworthy. You should note that the borrower should be someone who lives with you and the same income, credit and debt guidelines that apply to you will apply to them as well.
10) They Have No Pre-payment Penalty
Another important benefit is the lack of any penalty for prepayment. While it does seem unlikely that anyone would make larger payments on their loan than necessary, there are some situations in which the lender may require the borrower to pay a penalty if they have managed to pay their loan off before a specific timeframe. The good news, this is not a stipulation you will have to face when taking out a USDA loan.
Before making a decision, let one of the experts at Mortgage Lending Texas help you find out exactly what loan is best for you. Feel free to contact us or call us today!


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Nestled among the hardwoods and lush landscape lies Louisiana's hidden treasure, The Bluffs on Thompson Creek. The Bluffs on Thompson Creek is a master planned community near Baton Rouge that combines an Arnold Palmer Signature city golf course into an upscale residential neighborhood. The natural beauty of the land takes precedence here, and you'll find flowing creeks, still ponds, and rolling bluffs along the course. Arnold Palmer paid careful attention to preserving the natural environment, so you can enjoy nature's beauty for years to come. Established in 1988, this is an Arnold Palmer design. Located in the wilderness of Thompson Creek that was revered by the painter of "Birds of America", John James. The layout traverses a dense forest, white sand creek shore, with shots over hills, off bluffs, and into hollows. Some elevation changes as much as 50 feet. Located just 30 minutes from the Baton Rouge airport and five minutes from downtown St. Francisville, it's the get-away not so far away!
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2012-12-05 21:44:15
Broadcaster Stuart Hall has been charged with three counts of indecent assault.
The investigation, led by Lancashire Police, relates to historical allegations.
The 82-year-old from Wilmslow in Cheshire has been charged following complaints to police about alleged incidents in the 1970s and 1980s.
Mr Hall is best known for his distinctive style of sports reporting on BBC Radio 5 live - as well as his work on the 1970s hit show It's A Knockout.
DR Congo: Kidnapped Britons released
Britons held in DR Congo freed
Student groups with a million members back call for second Brexit referendum
Brexit: UK government to host summit on why other countries should join the EU
Metropolitan Police's facial recognition technology 98% inaccurate, figures show
Missing Joe Tilley found dead in Colombia
Russian embassy in Paris requests info from France on knife attacker's nationality
Nearly half a million 'hidden' young people left without state help to survive and find work, ministers warned
Crystal meth found at Home Office headquarters as Sajid Javid boasts about sniffer dogs' prowess
Theresa May faces deadlock over Brexit customs rules, after senior politicians attack both proposed options


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There are eight floors of some of the most amazing shopping in Rio. Women and men's fashions, children's clothing, electronics and jewelry are all featured at this mall. There is even a large home furnishing section. Children will love the toy stores and men will make a beeline to the home theater center. Music, books and souvenirs all have a home here. Some of the best stores
Keep Up Your Strength
The 2 food courts have several cafes where a tired shopper can sip a cup of eye-opening Brazilian coffee and enjoy a show on one of the large screen projectors. Or, if sugar is the key to keep you shopping, stop in at one of the candy stores. The restaurants run the gamut from quick and easy fast food to high-end gourmet establishments. Italian, Asian, French and Mexican food is just some of the specialties served here. A great option for Mediterranean, Italian and Brazilian food is Rascal at the first floor.
Riosul Has It All
This mall has more than meets the eye. There are four movie theaters showing all the latest blockbusters. A fitness center and full service day spa will keep you looking trim and beautiful. There is a travel agency where you can book your return trip to Rio as well as bank to keep your wallet filled while shopping and a money exchanger. A pharmacy, post office and police station are also on premises. Try to visit H Stern Store, where you can see a huge variety of Brazilian semi precious stones famous world wide. Celebrities as Angelina Jolie has worn them.
Where it's at
The Riosul is just north of Copacabana Beach on Avenida Lauro Muller in the Botafogo district. Free buses from the beach and nearby hotels will take you directly there. There is also a free bus that goes from Cardeal Arcoverde Subway Station to the mall and back, from 10 am to 10 pm, from Monday to Saturdays and from 3 pm to 9 pm on Sundays.. The large parking garage has valet parking so tired toes do not have to traipse across several hundred feet of parking lot at the end of a busy shopping day.
The Riosul is the shopping mecca of Rio de Janeiro. With something for everyone and prices that are sometimes reasonable but most times cheap, this mall is a fun place to spend an afternoon or evening. Just be sure it is the last stop of your day as you are bound to leave staggering under the weight of all your purchases.


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A Chance
April 16, 2014 § 15 Comments
You try and explain a chance you didn't take, but the only part in your voice that makes sense is the fear that's shadowing over every word you speak—so you stop talking, because you can't even stand to hear this voice that's stemmed from your head and not your heart. You brush your teeth, you slide and dance happily slipping in your white socks across the wooden floors of your home. You smile and twirl—but there's tears in your eyes, your hearts heavy and you feel it with every turn. You open the door, then you close it. You do it again—it's part of your routine, your try to prove that nothings changed, that you're okay, but there's a heaviness that surrounds you, thats birthed from your innards, and slowly it's destroying you. You brush your teeth but your heart aches and routines feel like the heaviest weights you have to drag around without choice.
So you whiten your teeth, you buy new shoes and a new dress. But then you drink a pot of coffee, you don't go anywhere in your new shoes and no one even compliments you on your dress because no one can see you when you're hidden away with your heavy heart and your regrets. And it's then, that you realize things are temporary, beauty is vain and fears will always come and go — but when you're given a chance, an opportunity to risk the comforts that keep you sane and boring, those won't come every day…and when they do you have to jump, you have to say YES, you have to be ready…
So you put on your new Jimmy Choos, you pack a bag, you open the door, then you close it. You open it again, then you slam it. And you can feel it— same routine, but your heart is light and bright, and the heaviness has left, because you're speaking from your heart and ignoring your head. So you open the door, and you take a huge step, then you slam it behind you. You leap down the stairs, and you hop on a plane.
Because your hearts light, and when your fears aren't holding you back, you can go anywhere, you can do anything, you can be anyone. So that's just what you'll do, because the world needs to see your new dress. And there's someone who needs your bright fearless smile. And then you'll write out your own story in a prose or a children's book or a poem, because the world needs stories of girls who were afraid, but overcame their fears in order to live OUTLOUD the most passionate life possible. Then you'll put down your pen, and click your heels because you knew Marilyn Monroe was right when she said, "Give a girl the right kind of shoes and she can conquer the world." And you look out the window of the airplane and you watch as the world you knew slowly fades, but you're not afraid, because you know this is just the ending of one chapter, and the beginning of another. And love, is worth every risk in the world. And you keep writing without edits, and you keep flying without fears…because that's just who you are when you're living in your heart, and not your head.
Click click click. 😉


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The risk with female patients passing through perimenopause or menopause requires special investigations in order to detect early diseases potential which, when eradicated, allows patient to continue to enjoy full life with their couples or families.
This periodical gynecological checkup is intended for women of childbearing age (and older)
– Consultation with a Gynecologist (Gynecology Specialist);
– Re-Consultation with a gynecologist (Gynecology Specialist);
– Complete Blood Count (CBC) test;
– Erythrocyte Sedimentation Rate (automated method) test;
– Glycemia test;
– Creatinine test;
– Uric Acid test;
– Urea test;
– Liver Function tests;
– Cyturia test;
– Full lipid Profile study: A group of blood tests utilized to measure the risk of
developing cardiovascular diseases;
– Glucose test;
– Coagulation test;
– Creatinine test;
– Glutamic oxaloacetic Transaminansa (GOT) test;
– Transaminansa glutamic pyruvic test;
– Organization chart test;
– Thyroid Tests: TSH, T3, T4
– Gynecological ultrasound;
– Breast ultrasound;
– Mammography;
– Pap smear;
– Colposcopy;
– Simple vaginal discharge study;
The accommodation will include the following:
– AP meal plan (breakfast, lunch and dinner);
– In-house medial team for both the patient and his companion
– Airport pickup and drop off;
– Translation services;
– Entertainment program (optional at an extra cost)
CubaHeal Medical is a global organization specialized in facilitating medical treatments, medical education, in addition to patient and student care in the Republic of Cuba. CubaHeal is a loyal supporter of the Republic of Cuba, the Cuban people, the Cuban revolution, and the Cuban revolutionary leadership.
Sign up for CUBAHEAL newsletter to receive all the news offers and discounts.


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17-1917. It shall be the duty of any public or municipally owned utility owning or operating such wires, cables or other aerial equipment after service of notice, as required in K.S.A. 17-1916, to furnish competent workmen or linemen to remove, raise, or cut such wires, cables or other aerial equipment as will be necessary to facilitate applicant's moving operations. The necessary expense which is incurred by or on behalf of any public or municipally owned utility for cutting, raising, removing, or otherwise facilitating the moving operations of the applicant shall be paid by applicant to each public or municipally owned utility concerned. The public or municipally owned utility may require the applicant to furnish the public or municipally owned utility with appropriate bond or other surety agreement insuring the payment of all expenses incurred as a result of applicant's moving operations.
The failure of any public or municipally owned utility, after having received the notice provided for in K.S.A. 17-1916, and having received advance payment or agreed to accept a surety arrangement in lieu of advance payment, to raise, remove, relocate or otherwise adjust its aerial facilities to accommodate applicant's moving operations, within fifteen (15) days from date notice is received or within twenty-four (24) hours after notice is given following the initial fifteen (15) day notice period, shall render such utility liable to applicant for damages in an amount not to exceed one hundred dollars ($100) per day for each day said public or municipally owned utility fails and refuses to so accommodate applicant's moving operations. Suit to recover such damages shall be maintained in the district court in the district in which such property is located and the applicant shall be entitled to reasonable attorney's fees and court costs in addition to such damages.
History: L. 1917, ch. 251, § 4; R.S. 1923, 17-1917; L. 1974, ch. 97, § 4; L. 1975, ch. 135, § 4; July 1.
NEW2020 Amended and Repealed Statutes
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LEGISLATIVE COORDINATING COUNCIL3/24/2020 Meeting Notice Agenda
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GRUB are proud to announce that they are launching a brand new summer beer festival showing off over 100 breweries and 200 beers from all over the north of the UK.
From Buxton to Orkney, from Northern Ireland to Northumberland and from Yorkshire to Cumbria and a dedicated 100% Manchester bar The Beer Up Here will be pouring fantastic beers, mostly in pints, to the people of Manchester over August Bank Holiday weekend.
GRUB has a strong reputation for promoting local and northern beer at their weekly street food festival so extending this approach to a full on festival was the next logical step. As with all of their events the food and the beers are going to be top notch but the real focus is going to be on everyone having a good time, everyone is welcome including dogs and kids and you don't need to know everything about beer to enjoy yourself.
Almost all of the beers at the festival will be 'session beers', classic beers designed to be supped all day that you can enjoy a pint of. The breweries picked range from local modern craft beer heroes like Track Brewery alongside classic traditional family brewers such as Joseph Holts. Of course the grub has not been forgotten, on hand to provide amazing beer snacks in the form of pork pies, scotch eggs and veggie deli treats are Beehive Food.
Jason Bailey, Director of GRUB said: "It's super important for us that our beer is produced locally, there's really no reason to go too far to find outstanding beer and we reckon this festival really shows that off. We can't wait to see everyone down at the festival enjoying a smashing pint".
The Beer Up Here kicks off Friday 24th August at 12 noon and runs until Sunday 26th August with five sessions over the three days. The event is ticketed and welcomes all comers including families and dogs. A number of tickets will be held on the door for walkups.
Full details of the event, and to purchase tickets can be found on the ticket page here. Fairfield Social Club can be found at Archway 6, Temperance St, M12 6HR.


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Angelika Neuwirth
Angelika Neuwirth is Chair of Arabic Studies at the Free University of Berlin.
Books by this Author
Arabic Literature
Postmodern Perspectives
Edited by Andreas Pflitsch, Angelika Neuwirth, Barbara Winckler£19.99
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By Alan Prahl
Do you have credit card debt? Credit cards have become the primary source of loans for millions of Americans. While some people take on debt because they are optimistic about their future, credit cards are also used as a safety net to pay for necessities like car repairs, home maintenance, groceries and medical bills.
Credit card debt levels are rising. NerdWallet's recent analysis of credit card debt identifies revolvers — people who carry over their credit card balances from month to month. Revolvers owe $6,929 and will pay an average of $1,142 in interest in 2019.
With rising interest rates, interest rates on credit card debt are likely to increase as well, making past and future purchases more expensive. People who carry a balance on their credit cards will pay hundreds or thousands of dollars more on their credit card debt.
To pay off credit card debt:
- Stop using your cards
- Make at least the minimum payment on all cards
- Make an extra payment on one of the cards
- When that card is paid off, apply your extra payment to another card
To save money and reduce debt stress, pay off your credit card debt. Instead of using credit cards as your safety net, have money in a savings account. If you need help reducing debt or saving money, FISC offers low-cost credit counseling and financial coaching www.fisc-cccs.org


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Boston Philharmonic Performs All-Beethoven Concert Continuing Maestro Zander's Legacy
The Boston Philharmonic Orchestra (BPO), led by founder and conductor Benjamin Zander, presents an all-Beethoven program with three performances on Thursday, February 14, 2019 at 7:00pm and Sunday, February 17, 2019 at 3:00pm at Sanders Theatre at Harvard University, and on Saturday, February 16, 2019 at 8:00pm at Jordan Hall at New England Conservatory, as part of the orchestra's 40th anniversary season and in honor of Mr. Zander's 80th birthday year.
The BPO performs three contrasting works from the middle, "heroic" period of Beethoven's musical output, including the darkly dramatic Coriolan Overture, one of the composer's most unusual orchestral works and the only genuinely tragic piece of music that Beethoven ever composed; the jubilant Piano Concerto No. 5, "Emperor," featuring internationally acclaimed pianist Robert Levin; and the iconic Fifth Symphony, a piece Maestro Zander revolutionized in a memorable performance with the Civic Symphony in 1972.
The all-Beethoven program serves as a retrospective and celebration of Zander's 50+ years of interpreting Beethoven, beginning with the very first piece he ever conducted- the Coriolan Overture. Now the world's longest standing conductor of one orchestra (an honor held by Zubin Mehta until his recent retirement), Benjamin Zander became an international sensation in 1972 when he became the first modern conductor to lead the Fifth Symphony in Beethoven's original tempi. Since then, Zander's interpretations of Beethoven have been widely followed and praised, including by Andrew Porter, writer for The New Yorker from 1972 to 1992, who wrote, "If Mr. Zander is right, we have been listening to the music of the greatest composer only in misrepresentation." In 1973, Michael Steinberg, then Chief Critic of The Boston Globe, raved, "Zander... gave a performance almost totally divorced from tradition, but profoundly in touch with what is clearly to be read in Beethoven's score... It was an event that left me with very much to think about, concerning specifically the Beethoven Fifth but also more generally about how to think about music.'"
Classical Source recently wrote, "In tech terms, Zander would be considered a disruptor, uprooting and changing the conventional thinking about what is arguably the most influential piece of music ever written. It is a role Zander, now approaching 80, has heartily embraced his entire career... In large part, what makes Zander's interpretation so radical is his faithful adherence to Beethoven's indicated tempi. Like Beethoven, Zander believes tempo is 'absolutely the central part of a musical interpretation.' And, thanks to a bit of disruptive 19th century technology-the metronome-we know exactly the pace at which the composer wanted passages played."
Zander's recordings of Beethoven with London's Philharmonia Orchestra have been widely praised and the tempi replicated by conductors and orchestras around the world. To hear Zander speak about Beethoven interpretations, watch his interpretation class on Beethoven's Op. 95 String Quartet here.
The Thursday evening concert at Sanders Theatre is part of the orchestra's Discovery Series. Mr. Zander speaks from the stage prior to each piece, introducing and explaining each of the works that will be performed, often with musical examples played by the orchestra. The Saturday evening and Sunday afternoon concerts are preceded by Mr. Zander's Guide to the Music, an hour and fifteen minutes prior to concert start time. These talks offer an in-depth preview of the music on each program, which allows audience members to gain a deeper understanding of and appreciation for the pieces.
Program Information
All-Beethoven Program
Boston Philharmonic Orchestra
Benjamin Zander, Conductor
Discovery Series: Thursday, February 14, 2019 at 7:00pm
Sanders Theatre at Harvard University | 45 Quincy Street | Boston, MA 02139
Saturday, February 16, 2019 at 8:00pm (Guide to the Music Pre-Concert Talk Begins at 6:45pm)
Jordan Hall at New England Conservatory | 30 Gainsborough Street | Boston, MA 02115
Sunday, February 17, 2019 at 3:00pm (Guide to the Music Pre-Concert Talk Begins at 1:45pm)
Sanders Theatre at Harvard University | 45 Quincy Street | Boston, MA 02139
Beethoven: Coriolan Overture
Beethoven: Piano Concerto No. 5 "Emperor"
Robert Levin, Piano
Beethoven: Symphony No. 5
Ticket Information
Tickets are available by visiting www.bostonphil.org or by calling 617-236-0999.
About the Boston Philharmonic
The Boston Philharmonic, founded by Benjamin Zander in 1979, is comprised of the Boston Philharmonic Orchestra (BPO), the Boston Philharmonic Youth Orchestra (BPYO), and its robust series of Crescendo Education and Community Engagement programs. The mission of the Boston Philharmonic is to share the vibrancy of classical music with new and existing audiences, aspiring to expand the limits of possibility to reinvigorate the classical music experience for audiences and players alike.
As one of Boston's premier orchestras and under the leadership of Maestro Zander, the BPO features student, professional, and amateur musicians who perform inspiring renditions of celebrated masterworks in Boston's most storied concert halls. The BPYO offers year-long orchestral and leadership training at the highest level for talented musicians between the ages of 12 and 21, completely tuition-free. The Crescendo Education and Community Engagement programs provide high quality music education for children who would otherwise not have access, often serving the most disadvantaged, at-risk, and under-resourced children in the city.
About Benjamin Zander
For the past 50 years, Benjamin Zander has occupied a unique place as a master teacher, deeply insightful and probing interpreter, and as a profound source of inspiration for audiences, students, professional musicians, corporate leaders, politicians and more. He has persistently engaged most well-informed musical and public intellectuals in a quest for insight and understanding into the western musical canon and the underlying religious social and political issues that inspired its creation.
Zander founded the Boston Philharmonic in 1978 and has appeared as guest conductor with orchestras around the world. His performances have inspired thousands of musicians, renewed their sense of idealism and shed fresh, insightful and sometimes provocative light on the interpretation of the central symphonic repertoire of the 19th and 20th centuries. Critics and the public have been united in their praise of Zander's interpretations of the central repertory.
For 25 years, Zander has enjoyed a unique relationship with the Philharmonia Orchestra, recording a series of Beethoven and Mahler symphonies. High Fidelity named the recording of Mahler's 6th as 'the best classical recording,' of 2002; the 3rd was awarded 'Critic's Choice' by the German Record Critics'; The Mahler 9th, Mahler 2nd and Bruckner 5th recordings were nominated for Grammy Awards.
In 2012, Zander founded the Boston Philharmonic Youth Orchestra (BPYO), which draws young musicians from the entire northeastern US to its weekly rehearsals and high-profile performances in Boston. This tuition-free orchestra tours regularly, and has performed in Carnegie Hall, the Concertgebouw, and the Berlin Philharmonic among others. In the summer of 2017 the BPYO will tour South America and, in 2018, Europe.
From 1965-2012, Zander was on the faculty of the New England Conservatory of Music (NEC), where he taught Musical Interpretation, and conducted the Youth Philharmonic and Conservatory orchestras. He was the founding Artistic Director of the NEC's joint program with The Walnut Hill School for the Performing Arts. Zander led the NEC Youth Philharmonic on fifteen international tours and made several documentaries for Public Broadcasting Service (PBS).
Zander enjoys an international career as a leadership speaker, with several keynote speeches at the World Economic Forum in Davos and at TED. The best-selling book, The Art of Possibility, co-authored with leading psychotherapist Rosamund Zander, has been translated into eighteen languages.
About Robert Levin
Pianist Robert Levin has been heard throughout the United States, Europe, Australia, and Asia, in recital, as soloist, and in chamber concerts. He has performed with the orchestras of Berlin, Birmingham, Boston, Chicago, Cleveland, Los Angeles, Montreal, Tokyo and Vienna with such conductors as Bernard Haitink, Sir Neville Marriner, Seiji Ozawa, Sir Simon Rattle, Esa-Pekka Salonen and Joseph Silverstein. On fortepiano he has appeared with the Academy of Ancient Music, Handel and Haydn Society, Orchestra of the Age of Enlightenment and Orchestre Re?volutionnaire et Romantique, with Sir John Eliot Gardiner, Christopher Hogwood, Sir Charles Mackerras, Nicholas McGegan and Sir Roger Norrington. He has performed frequently at such festivals as Sarasota, Tanglewood, Ravinia, Bremen, Lockenhaus, Verbier and the Mozartwoche in Salzburg. As a chamber musician, partners include Steven Isserlis, Kim Kashkashian, Ya-Fei Chuang and Hilary Hahn.
Robert Levin is renowned for his restoration of the Classical period practice of improvised embellishments and cadenzas; his Mozart and Beethoven performances have been hailed for their active mastery of the Classical musical language. He has made recordings for DG Archiv, CRI, Decca/Oiseau-Lyre, Deutsche Grammophon Yellow Label, ECM, New York Philomusica, Nonesuch, Philips, and Sony Classical. These include the complete Bach concertos with Helmuth Rilling as well as the English Suites and the Well-Tempered Clavier for Ha?nssler's 172-CD Edition Bach- Akademie. Other recordings include a Beethoven concerto cycle with Sir John Eliot Gardiner and the Orchestre Re?volutionnaire et Romantique for DG Archiv, a Mozart concerto cycle with Christopher Hogwood and the Academy of Ancient Music for Decca Oiseau-Lyre as well as the complete Beethoven cello and piano works for Hyperion with Steven Isserlis, which was named Gramophone Magazine's 'Recording of the Month' in early 2014.
Robert Levin studied piano with Louis Martin and composition with Stefan Wolpe in New York. He worked with Nadia Boulanger in Fontainebleau and Paris while still in high school, afterwards attending Harvard. Upon graduation he was invited by Rudolf Serkin to head the theory department of the Curtis Institute of Music, a post he left after five years to take up a professorship at the School of the Arts, SUNY Purchase, outside of New York City. In 1979 he was Resident Director of the Conservatoire Ame?ricain in Fontainebleau, France, at the request of Nadia Boulanger, and taught there from 1979 to 1983. Between 1986 and 1993 he was professor of piano at the Staatliche Hochschule fu?r Musik in Freiburg im Breisgau, Germany. President of the International Johann Sebastian Bach Competition and a member of the American Academy of Arts and Sciences, he has also been Dwight P. Robinson, Jr. Professor of the Humanities at Harvard University. In 2016 he was inducted as Honorary Member of the American Academy of Arts and Letters. He is currently the inaugural Hogwood Fellow of the Academy of Ancient Music for 2017 and2018.
In addition to his performing activities, Robert Levin is a noted theorist and Mozart scholar, and is the author of a number of articles and essays on Mozart. His completions of Mozart fragments are published by Ba?renreiter, Breitkopf & Ha?rtel, Ha?nssler, and Peters, and have been recorded and performed throughout the world. Levin's cadenzas to the Mozart violin concertos have been recorded by Gidon Kremer with Nikolaus Harnoncourt and the Vienna Philharmonic for Deutsche Grammophon and published by Universal Edition. Henle has also issued his cadenzas to the flute, oboe and horn concertos and will publish his cadenzas to Beethoven's violin concerto. His reconstruction of the Symphonie Concertante in E- flat major for four winds and orchestra, K.297B, was premie?red by the Vienna Philharmonic Orchestra at the Mozartwoche in Salzburg, and has subsequently been performed worldwide. The first of four recordings of the work, by Philips, won the 1985 Grand Prix International du Disque. In August 1991 Robert Levin's completion of Mozart's Requiem was premie?red by Helmuth Rilling at the European Music Festival in Stuttgart to a standing ovation. Published by Ha?nssler-Verlag, it has been performed worldwide and recorded numerous times. A Carnegie Hall commission to complete Mozart's Mass in C minor, K. 427 was premiered in 2005.
Future highlights include concerts with the Zurich Chamber Orchestra, Handel & Haydn Society and New Jersey Symphony, as well as recitals at the Leipzig Bach Festival, Edinburgh International Festival, and his annual appearances at the Salzburg Mozartwoche. He continues his acclaimed collaboration with Steven Isserlis performing the complete Beethoven cello and piano music.


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Sep 01, 2020
The state of California has signed into law a ban on most flavored tobacco products starting January 1, 2021.
Use our free screening tool below to assess your risk and receive the most appropriate care recommendations based on your symptoms.Start your COVID-19 screening now
Thoracic Surgery and Pulmonary Care in Nashville
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At Centennial Thoracic Surgical Associates, we approach care with a patient-centered model, and stay involved throughout the process of obtaining a diagnosis, creating a treatment plan and navigating recovery. We believe in a multidisciplinary approach, and collaborate with our colleagues in other fields, including oncology, radiation oncology, pulmonary and gastroenterology in order to provide the most optimal treatment. It is our goal to educate your and your family about the disease process, the current state of their disease and the options for care.
Conditions we treat include benign, malignant and infectious conditions of the lung, esophagus, pleura, chest wall, diaphragm and thymus gland, as well as lung cancers and other conditions.
Dr. Susan Garwood is our interventional pulmonologist who utilizes the most innovative technology to diagnose and treat lung cancer, airway disorders, pleural diseases and other conditions of the lungs and pulmonary system. Dr. Tammy Baxter and Dr. Denis Gilmore are our thoracic surgeons who specialize in robotic surgery of the chest.
Located in Nashville and serving Middle Tennessee, our providers have more than 30 years of experience in effectively providing evaluation and treatment for critical cancer cases. Contact us to make an appointment today.Find a thoracic surgeon or pulmonologist online
Cancer does not pause
Sep 16, 2020
Cancer does not pause!! Since the start of the COVID pandemic, social distancing has led to patients delaying or avoiding hospitals, outpatient...
Sep 01, 2020
The state of California has signed into law a ban on most flavored tobacco products starting January 1, 2021.
Jun 18, 2020
Lung cancer screening saves lives! Through low dose CT scans, we are able to identify early stage lung cancer more often and impact survival!


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Beef Empanadas in Red Chili sauce
Monday, February 11, 2019 Edit
Our favorite Mexican dish - Beef Empanadas in Red Chili sauce. This crispy, airy taco made from dough and filled with red chile sauce, shredded beef, and olives is one of our favorite Mexican recipes!Course Main Course
Cuisine Mexican
Prep Time 10 minutes
Cook Time 10 minutes
Let dough set 4 hours
Total Time 20 minutes
Servings 12
Calories 303 kcal
Author Lil' Luna
- 3 cups flour
- 1 tbsp baking powder
- 1 tbsp salt
- 1/2 cup shortening or lard
- 1 1/4 cups water
- 2 1/2 lb roast beef cooked and shredded (I cook mine the day before using my Crock Pot Roast Recipe)
- red enchilada sauce
- diced olives
- vegetable oil for frying
- Dough: Mix all ingredients together with a wooden spoon until mixed well and a little sticky. Pinch away a golf ball size piece of dough and roll into a ball. Set onto a plate and cover with seran wrap for 4-6 hours (we usually make ours in the morning to be ready for dinner)
- Coat meat with red enchilada sauce and add a small can of diced olives (however much you like). Set aside.
- Roll out dough ball on a floured surface to about a 5-6 inch round.
- When dough is rolled out put about ¼ cup of roast beef mixture on one side of the disk. Fold the other half over and pinch around the entire edge.
- Deep fry in ½" oil on medium heat on both sides until golden brown.
- Let set on a paper towel lined paper plate. Serve warm.
Detailed recipe and credit: https://lilluna.com/beef-empanadas/
#vegetarian #lunch #sandwich #recipe #simplerecipe #dinner #simplerecipes #healthyfood #soup #dinner #breakfast #lowcarb #healthyrecipe #easyrecipes #easyrecipe #keto #ketodiet #ketorecipes #ketogenic #ketogenicdiet


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Manhattan DisplayPort Monitor Cable-DisplayPort 20-pin Male to DisplayPort 20-pin Male-2.0 metre-Black, Retail Box, Limited Lifetime Warranty
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The Manhattan DisplayPort Cables provide a single-cable solution that delivers both high-definition digital audio and video signals between desktop and notebook computers and an output device. With 10.8 Gbps bandwidth, DeepColor and 24-bit, eight-channel uncompressed audio capability, the 20-pin connector is small, compact and ideal for use with DisplayPort-equipped computers, flat-panel displays, slim-profile devices and many consumer electronics, including Blu-ray players and game consoles. Full foil-and-braided shielding, moulded boots with strain relief, protective PVC jackets and nickel plated connections help Manhattan DisplayPort Cables provide maximum conductivity and clear, crisp signal transmissions with reduced EMI interference and distortion.
• DisplayPort 20-pin male to DisplayPort 20-pin male latching connections
• Delivers high-bandwidth, digital audio/visual signals from PC to display and other DisplayPort-enabled devices
• Supports HDMI and DVI signal pass-through
• Fully shielded to reduce EMI and other interference sources
• Plug and Play for box-to-box applications
• Moulded PVC boot


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So I'm using Sibelius 3 with Gigastudio. I have a template set up in Gigastudio that has mostly everything set up to bank 0. A couple of patches are on bank 1 though. I go into Sibelius' mixer and there is a "Bank High" and "Bank Low" which I've tried all combinations of but doesn't seem to do anything. So when I hit play in Sibelius anything on bank 1 jumps to the bank 0 channel with the same instrument number as it. If the above made no sense let me show you what it's doing.
Say it's set up as the following in Gigastudio:
Piano: bank 0, instrument 1, channel 1
Drums: bank 1, instrument 1, channel 2
I set up the exact same information in Sibelius 3 (setting Bank High to the correct bank number, as directed by the Sibelius website). But when I hit play the following happens:
Piano: bank 0, instrument 1, channel 1
Drums: bank 1, instrument 1, *channel 1*
What the hell do I do to stop this insanity? Can I manually set the bank and instrument numbers in gigastudio (which I feel would be the quickest fix)? If not what do I do in Sibelius 3 to make it recognize the difference bank information?
Thanks for any help!


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Their sound has been generated during a trip from one planet to another. A far away scream that needs to be heard. Guitars, bass, synth, dreamy voices and distorted outlet.
Lilies on Mars is the new project of Lisa Dply Masia and Marina Cristofalo. The two girls met David Lynch in 2007, creating a special tribute show following his conference in Palermo. They went on to collaborate with the Italian experimental artist Franco Battiato on his album "Il Vuoto", touring Europe with him in 2007and 2008, and appearing in his last movie "Niente e' come sembra". In June 2008 they performed at the Heineken Jammin' Festival in Venice in front of seventy thousand people.
Having enjoyed writing and performing Lisa and Marina formed "Lilies on Mars" in June last year, with the intention to continue their research expressing themselves through new sounds.
Between Hackney and Shoreditch, London, where they have been living in the past eight years, in two months they composed, arranged, produced and mixed the album, which has been mastered by Bill Gautier (The Cure, Paul McCartney, Fleet Foxes). They also started the collaboration and the fusion with Elsewhere Factory, an independent cultural association that has supported the project from the very beginning. 'Maory Legend', the first track on the album, is taken from the self titled book of Manlio Sgalambro, a great Italian philosopher, and features the voice of award winning Italian actress Donatella Finocchiaro.
Lilies produced and directed their first video 'Passing By', which is available to watch on their myspace site. The single 'My Liver Hurts', also taken from the album, has an accompanying video too -an animation produced by Aurora Canfora and Marco Leombruni from Rome.
'…Lilies on Mars are two rough gems of the avant-garde music scene…' – Rumore, Italy
'…a sound mixed between psychedelic folk and indie pop…Able to make an international sound with interesting experimental roots'
- Rolling Stone Magazine, Italy
You are invited to experience the intimacy created by instrument sharing in a martian living room.
Find them online at


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Maintenance Technician 1 - The Ranch Winery ($2,500 sign-on bonus!)
Location: Saint Helena, CA, US, 94574Apply now »
Date: Aug 30, 2020
Company: E. & J. Gallo
Why E. & J. Gallo Winery?
Named a Glassdoor "Best Places to Work" three years in row, we couldn't be prouder of our company culture. As the largest family-owned winery in the world with over 100+ unique wine and spirits brands, our products are synonymous with life's special occasions. Come celebrate with us! Your Talent & Gallo | A Perfect Pairing
$2,500 sign-on bonus included!
Located at The Ranch Winery in Saint Helena, the Maintenance Technician will work under general supervision, provides mechanical maintenance/repair support for coastal winery operations.
What You Will Do:
- Participates in machinery trouble-shooting; documents repairs made.
- Replaces or repairs defective parts.
- Reassembles equipment and tests for conformance to specifications.
- Works on assigned projects; responds to emergency maintenance calls.
- Disassembles malfunctioning equipment; examines and tests mechanisms on large and small pieces of machinery.
- Inspects and calibrates instruments.
- Tests equipment and adjusts calibration to ensure equipment is functioning within specified standards.
- Interprets technical documents (prints, manuals) as required.
- Maintains constructive cross-functional relationships.
- Searches for and executes against continuous improvement opportunities.
- Performs work in a quality fashion.
- Performs basic electrical installation; installs wiring and conduit safely in compliance with company, state, & federal regulations.
- Performs basic plumbing and piping operations.
- Operates machining tools and drill presses; performs basic welding operations.
- Services pumps and drive system components.
- Troubleshoots basic alarms related to key winery systems.
- Provides preventative maintenance, repairs, and troubleshooting services for barrel processing equipment, bottling line equipment, and filtration equipment.
- Provides preventative maintenance, repairs, and troubleshooting services for de-stemmers, presses, and crush pits.
- Maintains shop machines, tools and facilities.
- Promotes occupational safety standards; gives others feedback on their safety performance.
- Follows shop safety practices and shop housekeeping practices.
- Operates electrical test equipment, hand tools, and power tools safely.
- Provides general facility maintenance and servicing for other departments.
- Must maintain satisfactory attendance, to include timeliness.
- Responsible for understanding and complying with applicable quality, environmental and safety regulatory considerations.
- This job description reflects management's assignment of essential functions; it does not prescribe or restrict the tasks that may be assigned.
What You Will Need:
- Associates degree or 2-year Technical Degree in Mechanical or Automotive Maintenance and Repair plus 2 years of mechanical or automotive maintenance experience working on equipment or motors reflecting increasing levels of responsibility; OR High School diploma or State-issued equivalency certificate plus 4 years of mechanical or automotive maintenance experience working on equipment or motors reflecting increasing levels of responsibility.
- Experience working in a manufacturing, production, mechanical or automotive environment.
- Candidates for this position must have a valid driver's license and a safe driving record. Required to obtain a California driver's license or appropriate state driver's license within 30 days of hire.
- Required to conduct work at extreme heights.
- Required to lift and carry equipment that weighs up-to 60 pounds.
- Required to provide own tools.
What Will Set You Apart:
- Associates degree or 2-year Technical Degree in Mechanical or Automotive Maintenance and Repair plus 4 years of mechanical or automotive maintenance experience working on equipment or motors reflecting increasing levels of responsibility.
- Skilled in forklift and aerial lift operation.
- Experience working in a food manufacturing facility.
- Operates well in a team setting.
- Knowledge of drinking water systems.
- Experience maintaining and repairing large production equipment.
- Skilled in the use of MS Word, MS Outlook and MS Excel at a basic level.
- Experience writing reports and procedures manuals.
- Skilled in reading electrical schematics; possess PLC skills.
- Bilingual in English and Spanish.
- Skilled in calculating figures and amounts such as proportions, percentages, area, circumference, and volume.
Gallo does not sponsor for employment based visas for this position now or in the future.
To view a full job description, please click here.
Requisition ID: 63581
Equal Opportunity Employer
Gallo will consider all qualified applicants for employment, including those with criminal histories, consistent with the requirements of applicable law.
Nearest Major Market: Napa
Job Segment: Law, Compliance, Legal


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This beautiful family first came to us for their oldest daughter's studio newborn session, and now we are so excited that we got to do their studio newborn session with their brand new twin girls! These moms have their hands quite full with two newborns and a toddler, but they handle it all like true champions! Their session went so well and we are excited to see how the wall art looks when it is up in their home! We love getting creative with twin newborn posing, especially in our studio setting. Since they were born around Mardi Gras, we had to celebrate with a Carnival-themed portrait! Big Sister was a trooper for her portion of the photos! She seems to be adjusting well to her new role in the family and only needed a little coaxing with some raisins and fruit chews. ;) The babies slept really well and only needed a couple of snack breaks during the session. Their favorite was when we swaddled them closely together for photos! They are fraternal and each has her own lovely, distinctive features. We can't wait to see how they grow! Welcome to the world, baby girls!
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This Area and Perimeter of Triangles: Lesson video also includes:
Go from a parallelogram to a triangle. A segment of an extensive playlist on basic geometry shows the derivation of the formula for the area of a triangle. The resource works examples that require finding a missing side or height to calculate the area.
5 Views 8 Downloads CCSS: Adaptable
Instructional Ideas
- Lead a discussion on finding heights to different bases in a triangle
- Review the connection between multiplying by a unit fraction and division
Classroom Considerations
- Assumes individuals know the Pythagorean Theorem
- Uses colors to highlight the triangles of interest
- Includes a link to more resources on triangles' areas and perimeters
- None
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At Medlin Mazda, we hear all the time how difficult and stressful the car-buying process can be. With so many options, it can be overwhelming for drivers to have to research every possible choice and compare them themselves to find the right model. Now, with the 2019 models beginning to become available, each claiming to be the best, the process is even more difficult!
But, don't worry, that's why we're here to help! We believe that Medlin Mazda offers vehicles with the best value regardless of class, which is why we're not afraid to put Mazda models against the newest competition to see how they stack up! For this comparison, we're going to compare the 2018 Mazda CX-5 and the new 2019 Toyota C-HR, two very popular SUVs. We're going to look at the efficiency, performance and interior space. Note that we'll be comparing the base trims for both models. Let's see which SUV comes out on top!
In terms of combined fuel economy, the 2019 Toyota C-HR holds the slightest edge over the 2018 Mazda CX-5. However, when you look at the context of the rest of the vehicle for both the Mazda CX-5 and Toyota C-HR, that edge becomes less impressive. The 2018 Mazda CX-5 offers substantially more horsepower and torque than the 2019 Toyota C-HR.
Not only that, but the 2019 Toyota C-HR is also much smaller than the 2018 Mazda CX-5, evidenced by its smaller interior cargo volume. Considering how much more powerful and bigger the 2018 Mazda CX-5 is than the 2019 Toyota C-HR, it's a wonder that it can even offer a fuel economy that's even close to the Toyota C-HR. With the 2018 Mazda CX-5, drivers get a more well-rounded vehicle that offers efficiency, performance and space, rather than just efficiency like the 2019 Toyota C-HR.
Want to learn more about the 2018 Mazda CX-5? Ready to get behind the wheel of one? Contact our staff at Medlin Mazda in Wilson, North Carolina, for more information or to schedule a test drive today!
Click For More Info On The 2018 Mazda CX-5
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1900 Tarboro St. West • Wilson, NC 27893Get Directions
Open Today! Sales: 9am-7pm
Open Today! Service: 7:30am-5:30pm
Open Today! Parts: 7:30am-5:30pm


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Bali Eka Jaya Fast Boat is one of the most reliable and most popular fast boat companies in Bali, offering cheap crossing at very affordable ticket prices. The Eka Jaya Fast Boat possesses a total of 1500HP and up to 180 seats to ensure a fast and comfortable cruise.
Eka Jaya operators multiple daily trips to the Gili Islands and Nusa Penida and Nusa Lembongan, departing from Padangbai and Serangan harbour.
After landing at the harbour in Padang Bai, the Gili Islands, Serangan or Lembongan island, the company offers a free transfer to your resort, typically travelling in a minibus to the most popular hotels.
View Bali Eka Jaya timetables, prices and book Bali Eka Jaya ferry tickets with giliferries.com. Looking for an alternative route or ferry company to fit your plans? Don't worry, we'll also compare Bali Eka Jaya with alternative ferry companies in your search to help you choose the best fast boat ticket in Bali.
Hotel pickup and drop-off service are available for pre-selected area's.
Please select your port of departure to view available schedules:
Eka Jaya provides free hotel pickup and drop-off service from and to your hotel in Bali for the following areas:
Nusa Dua (BTDC), Jimbaran (Abi Hotel), Airport, Kuta, Legian, Sanur, Ubud (Central only) and Candidasa.
Sometimes hotel's can be located in small backstreets where it is difficult to get to with the minibus, in this case, you will be picked up or dropped from a nearby location within walking distance of your hotel or at least where you can take a taxi to your hotel with little cost. This sometimes is also the case for drop-off requests, but the operator will inform you about this prior to your trip.
In case you are outside of the free zone, you can still request a pickup or drop service while making your booking, the boat company will contact you with an extra fee.
Eka Jaya will contact you prior to departure to confirm the exact pickup time details.
All prices are in IDR (Indonesia Rupiah).
Important note(s): Hotel pickup and drop-off requests for last-minute bookings (bookings made after 09:30 PM (Bali time) for the next day) can't always be guaranteed and are subject to availability and terms of the boat operator.
All hotel pickup and drop service is a service operated by the boat operator and is subject to availability by the operator. We only forward your pickup and drop-off request to the operator.
Cancellation & No-show or late-arrival fee:
100% Refund for cancellation more than 48 hours prior to departure.
No-show: 100% Charge.
Rescheduling is based on seat availability and if made 48 hours prior to departure for the regular season and 96 hours prior to departure in high season there is no charge (1 July - 30 September). Otherwise, IDR 100.000 fee per ticket will be charged.
Connecting flights
Eka Jaya will take in no way responsibility for delays or missing connecting flights.
May you need assistance in any of above please feel free to contact our customer service.
Scoot Cruise Fast Boats is a fast boat operator who offers daily return trips from Bali to the Gili...View details
Kebo Iwa Express Fast Boat operates from Sanur beach, Bali and offers multiple daily direct fast boa...View details
Rocky Fast Cruise offers multiple daily departures by fast ferry from Serangan to Nusa Lembongan and...View details


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Tugford Farm is situated in an Area of Outstanding Natural Beauty (AONB), deep in the Corvedale, and overlooked by the Brown Clee Hill, one of A E Housmans 'Blue Remembered Hills'.
3.5 miles from Diddlebury and Delbury Hall Wedding Venue.
15 minutes from the Historic Market Town of Ludlow, Craven Arms and Church Stretton.
20 minutes from Much Wenlock and Bridgnorth.
We have 2 barn converstions: Meal House sleeping 10 and Trap Cottage sleeping 4.
We have 2 B&B en suite rooms which we also let on 'room only basis': Bouldon twin which converts to a Super King, ground floor room and Broncroft family en suite which has a double and single bed and can have an additional single guest bed added if required.
For guests who bring their horses with them to enjoy the farm and the many bridleways around Tugford we have a livery yard with 12 stables and safe turn out. We provide route maps and lots of help.
Tugford Farm is a family run working farm in quiet rural countryside, but in an ideal central position for visiting south Shropshire's market towns and attractions or take advantage of the vast network of footpaths (the Shropshire Way footpath runs on the farm boundary), bridleways (the Jack Mytton Bridleway passes through Tugford) and quiet country lanes. Perfect for Horse Riders and Walkers.
Tally Ho pub www.thetallyho.co.uk 2 miles from Tugford Farm. Fabulous country pub serving great pub meals and real ales.
Refund Policy:


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HELOC or fixed home equity loan? What's best for you. – Down payment on a second home or investment property; Pay a builder for a home addition; funding a large investment; Home equity loan closing costs are higher than those of HELOCs.
Home Equity Loan vs. Personal Loan: Which Is the Better Option. – What is a home equity line of credit (HELOC)?. A HELOC is a type. "A home equity loan is a second mortgage on your house," said Fleming.
Home Equity Line of Credit/Second Mortgages | Bath State Bank – Home Equity Line of Credit/Second Mortgages Join homeowners who have discovered the value of home equity as a credit resource. This popular source of credit may be used to remodel your home, install a new pool or deck, update your roof or storm windows, finance a family member's education, purchase a vehicle, consolidate bills and much more.
need to buy a house with no money down Steps to Buying a House | Tips for First Time Home Buyers – In Buy a Home: Step-by-Step The Everything Guide to Buying Your First Home. How to find exactly what you want, and how to work with the experts who'll help you get it.
Home Equity Line of Credit – HELOC Refinance Rates – Home equity line of credit (HELOC) requirements. As noted above, lenders will generally let you tap up to 80 percent of your available home equity, sometimes 90 percent if you have excellent credit and low debt. That's for a combination of your HELOC and all other mortgage debt combined.
mortgage loan calculator income Home Affordability Calculator – Realtor.com – Combine all pre-tax income from you and your co-borrower.. In our affordability calculator, and is required by law to be included in all mortgage loan estimates. This allows you to better.
Second Mortgage Versus Home Equity Loan – The Mortgage Professor – I now avoid the term "home equity loan" and use "HELOC" to refer to any mortgage loan structured as a line of credit. While most of these loans are second mortgages, some are first mortgages. If you own your house free and clear and you want a line of credit secured by a mortgage, that loan is a HELOC, even though it is a first mortgage.
fha loan for first time home buyer best place to get home loan with bad credit 14 First-Time Homebuyer Mistakes To Avoid | Bankrate.com – 11. Overlooking FHA, VA and USDA loans. First-time buyers might be cash-strapped in this environment of rising home prices and higher mortgage rates.
The Pros and Cons of A Fixed Rate Second Mortgage vs. Opening a. – A fixed rate second mortgage is also known as a home equity loan.. On the other hand, a home equity line of credit (HELOC) is similar to a.
IRS issues do's and don'ts for deducting interest on home-equity borrowing – Taxpayers can "often still deduct interest on a home-equity loan, home equity line of credit or second mortgage, regardless of how the loan is labeled," said the IRS, provided the borrowed funds are.
Home Equity – All about line of credit – interest.com – Latest advice on home equity loans, HELOC and line of credit Loan & Line Payment Monthly payment requirements can vary, depending on whether you have a fixed term loan or a line of credit that permits much smaller payments.
heloc to buy investment property Challenges of Getting a Home Equity Loan on Rental Property – buy calculator arm Vs. fixed rate Calculator Resources. Mortgage Articles. To get a HELOC as a rental property owner, you may have to show that you can afford to repay the entire amount, says Lucas Hall, founder of Rental income information. for an investment property is 12 months from the.refinancing with same bank Smart Refinance | No Closing Costs Refinancing | U.S. Bank – A U.S. bank smart refinance may be for you. This no-closing-cost refinance option comes with a straightforward application process and flexible terms. You can even start your smart refinance application online and close in any U.S. Bank branch.
Barksdale Federal Credit Union – If you are using a screen reader and are having problems using this website, please call 800-647-2328. | Routing # 311175093.


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Here's the great Keynote Address by Nell Irvin Painter at the 2015 Göttingen conference on Johann Friedrich Blumenbach. Introducing her talk, "Five skulls that made human taxonomy," at 4:25 or so:
"... Representativeness does not matter in visual art. As an artist, or a painter, my attention came to focus ever more on singularity."


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Winter edition of Wireline magazine published
Contents include:-
News round-up from Oil & Gas UK - Includes news on the first chief executive of the new Oil and Gas Authority, guidance on Ebola, the release of Oil & Gas UK's Decommissioning Insight and Environment Report, plus the energy minister's trip offshore.
Maximising economic recovery - Trevor Garlick of BP and AMEC's John Pearson, members of the interim panel advising on the implementation of the Wood Report's recommendations, bring us up to date on the latest developments.
The promise of enhanced oil recovery - Cutting-edge technology continues to play a key role in the UK Continental Shelf's success story. Find out more about the promise of enhanced oil recovery.
Beneath the surface - Christine McKay, Maersk Oil's geology and geophysics data and information manager, talks to Wireline about her passion for promoting the role of data management in maximising recovery of our indigenous oil and gas resource.
Risk versus reward - Increased investment in exploration activity is crucial for the sector's future prosperity. Yet accessing capital for exploration has its challenges and requires collaborative solutions to manage the risks and reap the rewards.
Politician's corner – Jo Swinson MP Jo Swinson MP shares her views on the UK offshore oil and gas industry and provides an update on the Extractive Industries Transparency Initiative.
Celebrating our industry The Oil & Gas UK Awards recognise the talented individuals and innovative companies that make up our industry. Wireline reports
Download the latest edition here.


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Thank you for inquiring about my "Real Women" Portrait Experience. This is a totally different portrait experience!
My vision for this series is to show you how beautiful you are, even without makeup and fancy clothes.
**PLEASE NOTE: A bit of mascara and some lip gloss is totally allowed! **
These are black and white portraits in my studio to make you feel gorgeous inside and out.
Each session is only $99 and includes hair styling, a 30 min session with Melissa, 1 Digital Image, a new spring in your step and an emboldened spirit.
**CLOTHING SUGGESTIONS: black or white tops with boatneck, v-neck, off the shoulder, cowl neck, scoop neck or tank top and jeans or long pants. You can wear 2 outfits! And if you want to wear black lingerie, go for it, girl!!!
**After sending your response you will be contacted by phone so we can chat a little more! After our conversation, I'll send you a short questionnaire with some questions to get to know you a bit better!


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Information contained in this website
Cancer statistics for Queensland, up to December 31, 2016, are available on Queensland Cancer Statistics Online.
Queensland Cancer Statistics Online provides information on cancer incidence, survival, mortality and prevalence by age and sex for 22 of the most common cancers in Queensland. It can be accessed here.
Queensland Cancer Statistics Online has been generated by CCQ's Cancer Research Centre and Information Technology groups. It uses the most recent data available from the Queensland Cancer Register. The Register is managed by the Cancer Alliance Queensland on behalf of Metro South Hospital and Health Service for the Queensland Department of Health.
Navigating in QCSOL
Navigation through QCSOL is via the tabs above the charts and the cancer types down the left of the page. Initially select a tab, then click on the cancer type desired. Additional selections are available for survival (sex) and prevalence (time interval).
Tabular versions of the data for each cancer are available in an excel workbook and can be downloaded from the downloads tab.
Although graphs often present data for males and females only, data for persons are also provided in the associated downloadable excel workbooks.
Data and methods
Additional details regarding data sources, explanation of statistical terms and methods used, as well as the specific codes used for each cancer site, are available here. These are also available through the methods link in the main text.
Referencing the website
You are welcome to use the information contained in this website, provided the source is acknowledged. A suggested citation is:
Queensland Cancer Statistics On-Line, 2019. Viertel Cancer Research Centre, Cancer Council Queensland (qcsol.cancerqld.org.au). Based on data released by the Queensland Cancer Register (1982-2016; released July 2019).
Unanswered questions
If you have additional questions regarding QCSOL, please contact us at firstname.lastname@example.com


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UVM community talks about consent
Lindsay Freed and Lee Hughes
December 15, 2018
Every day, students on college campuses are having discussions about consent and its role in their lives. Coming from different backgrounds, many students have varying opinions on education about consent. UVM defines consent, as a person's willingness to engage in a specific sexual act or form of sexual conduct. When talking with students, Sarah ...
Men's organization discusses campus sexual assault
Alek Fleury, Staff Writer
December 13, 2017
1in4 gathered in the Jacobs House to reflect on their accomplishments and set goals for the spring. 1in4 is a national nonprofit organization dedicated to the prevention of rape, according to the 1in4 website. "We want to reach out to people not only to raise awareness, but to provide help to others...


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Friday, February 12, 201010 years ago • 6,770 views
Google added a labs icon to Google Maps.
maps.gstatic.com/mapfiles/ftr/ ...
John Mitas
How stupid, this is clearly in response to Bing Maps! LOSERZ!
Someone is threatened by Bing Map Apps. :)
A couple of things I don't like (Yes I know they are labs features and may change)• The Drag and Zoom button has to be clicked every time you want to use it, rather than toggled on and off :(• Don't like the beta logo.The rest of the stuff is pretty cool, although I don't know how much I'd use some of them.
And now, where is the Buzz layer?
Tim Acheson
I love the new features!Bing Maps launched something similar to labs some time ago, and I've been using that with good results: timacheson.com/Blog/2010/feb/s ... (Bing Maps has an interactive SDK for Silverlight or Ajax).
agggh, tea
Download GE (if you haven't already...) then get: batchgeocode.com/excel/ Geocode your database for free!
I like Drag 'n' Zoom, but I thought it would be like I could drag and them zoom w/out having to first clip on a button. Still, I like it.The "Back to beta" thing is "cute" and I hate it! Google should stop it with all these "Back to beta" lab options.
The seamless bird's eye Aerial view is quite impressive.The view can be zoomed to about twice the size as Bing maps bird's eye view, but the Bing images are usually brighter in shadowed areas, making them easier to see.
The Silverlight version on Bing maps is pretty cool now, too. It has the seamless version of Bird's Eye until you zoom close in to get the images without perspective correction. And the close in images morph and blend with surrounding photos. Cool stuff!
Agree with Woland783, where's Buzz sharing my location data with the world? I also tried the Silverlight version of Bing maps, and it is a huge upgrade. Never thought Microsoft would catch up let alone pass GMaps.
I like the latlon toolkit but nead to select latlon fornat
Min-woo Kim
Google Latitude + Google Ocean = Real-time Fishing LBS Contents Have you heard about Real-time Fishing LBS Contents? We have proposed this Service Model to Google over 4 years ago. Real-time Fishing LBS Contents is Location Based Service for IPTV, WiMAX, Mobile. This Service Model was created in 2002 by I&IWorld. I&IWorld's located in South Korea. As you know, there're many people enjoy fishing in the world(about 5 hundred million). I&IWorld's Real-time Fishing LBS Contents is like these.*Main Functions*1.The underwater topography and 3D views with fishing spots2.Real-time fishing points tracing by GPS and angling direction guide3.Service the real-time fishing condition about fishing place(weather, water temp, depth etc)4.Angler Social network(such as Second Life)Everyone knows that Google motto is, 'Don't be evil.' Is it all right? Visit koreacontent.org/weben/index.j ... and type 'Real-time Fishing LBS Contents'. Search koreacontent.org/co/i/iiworld/ ... If you need more information, please send your email address.
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The food of angels. I've always thought this cake had a fitting name. White as wool, light an airy as a cloud, and a deliciously delicate flavor - it's easy to see why this 19th century American creation has remained a favorite through the generations. … Continue reading →
German Nussmakronen (Hazelnut Macaroons)
Another traditional German cookie enjoyed particularly during the Christmas season. These Hazelnut Macaroons have a fabulous texture with a very delicately crisp exterior and a delightfully chewy interior. Using just three ingredients, they're super easy and quick to make. … Continue reading →
Classic Lemon Meringue Pie
Lemon custards, puddings and pies have been made and enjoyed since the Middle Ages. Meringue came on board some time during the 1600's and then, in the 1800's, Swiss baker Alexander Frehse came up with the brilliant idea of combining the two - lemon and meringue - to make … Continue reading →
Mint Chocolate Meringues
An elegant and delicious treat to enjoy for your choice of holiday themes: Christmas or St. Patrick's Day! … Continue reading →


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Hyundai Motor Company has announced two major recalls last week, covering their Sonata and Accent models.
According to US News, Hyundai is issuing the recall for 470,000 2011 and 2012 Sonatas. The specific models being recalled feature either a 2-liter or a 2.4-liter engine.
The vehicles are being recalled due to a possibility of metal debris in the crankshaft area. The debris is most likely still there after a failure to properly clear it during the manufacturing process.
The significance of the debris is that the connecting rod bearings may be restricted from oil flow. Because the rod bearings are cooled by this oil flow, they may overheat and fail. If they fail, the engines are liable to stall, leading to the possibility of crash. That possibility prompted Hyundai to issue the recall
The engines of the recalled Sonatas were manufactured in Hyundai's Alabama engine plant. According to Hyundai, the 2011 Sonata was the first car to use the Alabama plant's engines. The problem arose from a mechanical process of removing the debris from the crankshaft. The plant switched to a high water pressure blasting system process in April 2012.
Hyundai initially noticed the possibility of a problem when Sonata owners began reporting a strange noise coming from the engine. The National Highway Traffic Safety Administration (NHTSA) warned Hyundai that there might be a more serious issue, althoughthey didn't consider the issue to be one of safety due to the Sonata giving warnings. Nonetheless, the NHTSA was worried about engine stalling.
Hyundai has stated that the engines will be completely replaced at no cost to the owners, and the new engine's warranty will be set at 10 years or 120,000 miles.
Hyundai also announced a less significant recall of their Accent model. The recall covers about 100,000 2009 to 2011 models.
The recall is the result of three issues with the vehicle's brakes: the vehicle's brake lights propensity to fail, cruise control having the possibility to stay activated even after the brakes are stepped on, and the gear shift possibly staying locked in park.
Hyundai again said they'd replace the brake switch at no cost to owners starting in November.


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Love completes a Beautiful Family...
We wanted to share this inspirational story of how far a family went to bring home their beautiful baby boy...it moved us so much that we are honored to share their journey with you!
Joe Mendoza, was also adopted and knows the amount of sacrifice and responsibility it takes to raise a family.
We have no doubt that This story will move you as much as it moved us- please click the link and enjoy the story.
With that said, "Put a little MaxPower into your life!"
With Love,
MaxPower 2U
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February 2020
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