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Joseph Curl
Call 2007
Joseph Curl specialises in insolvency litigation. He was Company / Insolvency Junior of the Year at the Chambers UK Bar Awards 2019.
Chambers and Partners 2020 and Chambers Global 2020 ranks him Band 2 for Restructuring and Insolvency and says:
"He is sensationally good both on his feet and on paper – he fights his client's corner very hard and very well"
"He is absolutely brilliant – his oral and written submissions really get to the point. His technical knowledge in this area is unparalleled, and his attention to detail and commitment to the case are really quite incredible."
Legal 500 says:
"A superb advocate, who is very knowledgeable on the law and adept at thinking on his feet."
Joseph was the only Chancery barrister identified in consecutive editions of the Premonition UK High Courts Report – a "big data" survey of objective success rates in High Court litigation. He was one of only four Chancery barristers identified by name in the 2017 edition (see page 11) and one of only two non-silks in the 2018 edition (see page 18).
He was Insolvency Barrister of the Year at the Turnaround, Restructuring and Insolvency (TRI) Awards 2017, having been first runner-up in 2016.
Between 2001 and 2007, Joseph worked in the restructuring department of DLA Piper UK LLP.
Joseph has extensive experience in insolvency and company litigation. He has particular expertise in actions arising from guarantees and has appeared with success in many reported guarantee cases, both on the debtor side (eg Dowling v Promontoria (Arrow) Limited [2017] BPIR 1477) and creditor side (eg Wagner v White [2019] BPIR 234).
He generally acts as sole counsel, although he has also had the benefit of being led by some of the stars of the company and insolvency Bar, including Guy Newey QC (now Lord Justice Newey), Michael Todd QC and Jonathan Crow QC.
During 2018 he appeared successfully in two ground-breaking reported cases concerning administrators' duties: Davey v Money; Dunbar Assets plc v Davey [2018] EWHC 766, [2018] Bus LR 1903, a six-week trial before Snowden J concerning allegations of misfeasance against administrators and unlawful means conspiracy against a former bank; and Re Zinc Hotels (Holdings) Ltd [2018] EWHC 1936 (Ch), [2018] BCC 968, a five-sided application to appoint additional interim administrators against the wishes of the chargeholder.
To view further reported cases in which Joseph has appeared, click to expand the "Insolvency & Company" box below.
Practice Areas
Re Implement Consulting Ltd (in liquidation); Toone v Ross
[2019] EWHC 2855 (Ch), [2019] All ER (D) 05 (Nov)
In the first tax avoidance-based misfeasance action to reach trial, Joseph successfully persuaded the court that the sums paid into schemes were in substance unlawful distributions of capital and void.
Pillmoor v Miah
[2019] EWHC 3696 (Ch), [2019] All ER (D) 211 (Oct)
A trustee in bankruptcy successfully appealed against the trial judge's decision. Joseph demonstrated that the court below had wrongly applied the Stack v Dowden test for joint names, instead of the modified Lloyds Bank v Rosset test for single names.
R v S
[2019] EWCA Crim 1728, [2020] 1 WLR 109, [2019] Lloyd's Rep FC 529, [2019] All ER (D) 114 (Oct)
Joseph appeared (against Kennedy Talbot QC and Pavlos Panayi QC) for the trustees of a debtor subject to an all-assets restraint order. This case saw the Court of Appeal (Criminal Division) grapple with the difficult interface between the bankruptcy and POCA regimes.
Re Pantiles Investments Ltd (in liquidation) v Winckler
[2019] EWHC 1298 (Ch), [2019] 2 BCLC 295, [2019] BCC 1003, [2019] All ER (D) 134 (May)
In the first detailed judgment for some years on s.213 fraudulent trading, a director was liable where a company's business was carried on with the intent to defraud the bankruptcy creditors of a third party. Joseph appeared for the successful liquidator.
Re ARY Digital UK Ltd; Brewer v Iqbal
[2019] EWHC 182 (Ch), [2019] 1 BCLC 487, [2019] BCC 746, [2019] BPIR 529, [2019] PNLR 284
Joseph represented the successful liquidators in their application against a company's former administrator for undersale of assets. Unusually, the court found a breach of fiduciary duty (not simply negligence) and awarded a substitutive performance (i.e. current value) measure of equitable compensation.
Wagner v White
[2018] EWHC 2882 (Ch), [2019] BPIR 234
Joseph (leading Professor Andrew Keay) appeared successfully both at first instance and on appeal before Nugee J, opposed by Richard Millett QC. The matter concerned a personal guarantee arising from the c.US$350m insolvency of Powa Group.
Abdulali v Finnegan
[2018] EWHC 1806 (Ch), [2018] BPIR 1547
Birss J upheld the trial judge's finding that the statutory presumption of a "desire" to prefer had been rebutted. Joseph represented the successful respondent both at trial and on appeal.
Zinc Hotels (Holdings) Ltd v Beveridge
[2018] EWHC 1936 (Ch), [2018] BCC 968, [2018] BPIR 1840
Five-sided application to remove administrators on the grounds of conflict and unfair harm. Joseph (led by Marcia Shekerdemian QC) appeared for the successful security agent before Henry Carr J.
Ennis Property Finance Ltd v Thompson
[2018] EWHC 1929 (Ch), [2018] All ER (D) 181 (Jul)
Joseph appeared for the successful lender at trial in proceedings concerning a disputed personal guarantee.
Davey v Money; Dunbar Assets plc v Davey
[2018] EWHC 766, [2018] Bus LR 1903
Three-sided six week trial before Snowden J involving complex allegations of breach of administrators' duties and conspiracy by a lender. Joseph (led by Tom Smith QC) acted for the successful lender.
Frosdick v Fox
[2017] EWHC 1737 (Ch), [2018] 1 WLR 38, [2017] BPIR 1194
Birss J struck out a bankrupt's claim on the application of Joseph's client trustee, agreeing with the trustee that a bankrupt has no standing under s.316 to require his trustee to elect to disclaim or affirm.
Re PV Solar Limited Solutions Limited (in liquidation)
[2017] EWHC 3228 (Ch), [2018] 1 BCLC 58, [2018] BCC 196
Joseph represented the liquidators at trial in successfully impugning as misfeasance several payments made into a purported EFRBS tax avoidance arrangement at a time when the company was of doubtful solvency.
Dowling v Promontoria (Arrow) Limited
A creditor was unable to enforce summarily a purported guarantee on the grounds of limitation and the "purview" doctrine. Joseph represented the successful alleged debtor.
Re DP Holding SA; Hellard v Chen
[2017] BPIR 687, [2017] All ER (D) 21 (Mar)
The court examined the responsibilities of a BVI liquidator when seeking assistance from the English court pursuant to s.426.
Gaind v Dunbar Assets plc
[2016] EWHC 3187 (Ch), [2017] BPIR 667
The court rejected a borrower's contention that a personal guarantee had been procured by misrepresentation. Joseph represented the successful lender at first instance and on appeal.
Re D'Eye (a bankrupt)
Three trials against various associates of a bankrupt. Joseph represented the trustees in bankruptcy, whose claims to recover the remoter proceeds of void post-petition payments succeeded in full.
Harvey v Dunbar Assets plc
[2017] EWCA Civ 60, [2017] Bus LR 784, [2017] BPIR 450 (Court of Appeal)
[2015] EWHC 3355 (Ch), [2015] Bus LR 1383, [2016] BPIR 48 (Chancery Division)
A debtor was estopped from challenging a statutory demand using an argument that had failed in earlier proceedings on a different statutory demand for the same debt. Joseph (sole counsel on the first appeal; led by Michael Todd QC in the Court of Appeal) represented the successful lender.
Re Longmeade Ltd (in liquidation)
[2016] EWHC 356 (Ch), [2017] 2 All ER 244, [2017] 1 BCLC 605, [2016] Bus LR 506, [2016] BPIR 666
Joseph represented the liquidator of a Lehman entity in a claim against the Official Receiver. Snowden J ruled that liquidators may discount the views of creditors who are influenced by extraneous considerations.
In re Cooke (a bankrupt)
[2016] EWHC 1888 (Ch), [2016] Bus LR 960, [2016] Costs LR 781, [2016] BPIR 1339
The only reported case on the costs of an unsuccessful appeal against a bankruptcy order. Joseph successfully showed that such costs may take effect as a post-bankruptcy debt.
Re Cre8atsea Limited (in liquidation)
[2016] EWHC 2522 (Ch), [2016] All ER (D) 149 (Oct)
Joseph represented the successful petitioner (Vodafone) in resisting an application to rescind a winding-up order.
Cooke v Dunbar Assets plc
[2016] EWHC 579 (Ch), [2016] BPIR 576, [2016] All ER (D) 49 (Apr)
Appeal from a bankruptcy order on the basis that an offer to compound had been unreasonably refused. Joseph represented the successful petitioner both at first instance and on appeal.
Baker and another v LSREF III Wight Ltd
[2016] BPIR 509, [2016] All ER (D) 254 (Feb)
Application establishing that a triable issue arose in respect of an allegation that a bank had rendered itself a fiduciary for its borrowers.
Rowbury v Official Receiver
[2015] EWHC 2276 (Ch), [2016] BPIR 477, [2016] BPIR 500, [2015] All ER (D) 129 (Sep)
Examined when failure to adjourn a creditors' meeting to consider an IVA will be a material irregularity. Joseph represented the successful dissentient creditors.
Ridsdale v Bowles
A bankrupt applied for annulment, alleging that the petition was abusive because a third party had paid the petitioner to procure the bankruptcy. Joseph represented the trustees in bankruptcy.
Dunbar Assets plc v Butler
[2015] EWHC 2546 (Ch), [2015] BPIR 1358, [2015] All ER (D) 138 (Sep)
Joseph represented the successful appellant lender. It was held that a triable issue of fact is insufficient to set aside a statutory demand: the issue must also disclose a defence.
Sands v Singh and others
[2015] EWHC 2219 (Ch), [2015] BPIR 1293, [2015] All ER (D) 304 (Jun)
Addressed the effect of section 283A of the Insolvency Act 1986 (the "use it or lose it" provision) where an application was not issued within the three year time limit.
Stella v Harris
[2014] EWHC 4492 (Ch), [2015] BPIR 926
Considered whether to grant permission to continue proceedings despite the existence of an interim order to facilitate an IVA proposal.
Ace Paper Ltd v Fry and others
[2015] EWHC 1647 (Ch), [2015] All ER (D) 192 (Jul)
Joseph represented the successful asset-based lender both at first instance and on appeal. The court concluded that a contested book debt remained the property of Joseph's client by applying "business common sense" to the contract.
Re Mark Irwin Forstater
A proposal for an IVA was deemed rejected where the creditors' meeting was improperly suspended. Joseph represented the successful petitioning creditor.
Relfo Ltd (in liquidation) v Varsani
[2014] EWCA Civ 360, [2015] 1 BCLC 14
Joseph (led by Peter Shaw) represented the successful respondent to this appeal concerning laundering, tracing, knowing receipt and unjust enrichment. Arden LJ held that money substitutions may be traced in equity even where they do not occur in chronological order.
Hellard and Wade (trustees of Mireskandari) v (1) Chadwick (trustee of Tehrani) (2) Jami Tehrani
[2014] BPIR 163 (first instance)
[2014] EWHC 2158 (Ch), [2014] BPIR 1234 (appeal)
Trustees in bankruptcy commenced transaction at undervalue proceedings against another bankruptcy estate. Joseph successfully persuaded the court at first instance and on appeal that the claim constituted a debt provable in the respondent estate and should be stayed.
Bramston v Riaz
A rare reported use of s.342(1)(b) of the Insolvency Act 1986. The court declared that assets represented "the application" of a transaction at an undervalue and ordered that they be vested in a trustee in bankruptcy without further order. Joseph represented the successful trustee.
Credit Lucky Ltd v National Crime Agency
[2014] EWHC 83 (Ch), [2014] All ER (D) 235 (Jan)
The director of a money transfer company believed to have been used by organised criminals to launder the proceeds of crime to China applied to rescind a winding up order. Barling J dismissed the application. Joseph represented the company's liquidator.
Re Harvest Finance Limited (in liquidation)
Detailed consideration of the jurisdiction to order disclosure against a company's former solicitors under sections 234 and 236 of the Insolvency Act 1986 in circumstances where a strong prima facie case of fraudulent conduct is established. Joseph represented the successful liquidators.
Hellard v Kapoor
[2013] EWHC 2204 (Ch), [2013] EWHC 2496 (Ch), [2013] BPIR 745
Joseph represented the successful trustee in bankruptcy in this fiercely contested application to suspend discharge, which raised complex issues concerning purported family trusts. Indemnity costs were awarded to Joseph's client.
Arif v Anwar
[2013] EWHC 624 (Fam), [2013] BPIR 389
The applicant wife challenged as shams trust arrangements between the husband and his son. Joseph successfully resisted an attempt by the husband and son (each separately represented by leading counsel) to exclude the husband's trustee in bankruptcy from the proceedings.
Allen and another (joint liquidators of Rhinowheels Ltd) v Cowham
[2013] EWHC 1319 (Ch), [2013] All ER (D) 223 (May)
Freezing injunction in support of director's misfeasance and transaction at undervalue proceedings. Joseph represented the successful liquidators.
Harvey v Dunbar Assets plc
[2012] EWHC 2890 (Ch), [2013] BPIR 66 (Chancery Division)
[2013] EWCA Civ 952, [2013] BPIR 722 (Court of Appeal)
Joseph successfully resisted a first appeal to the Chancery Division, where it was held that a personal guarantee could be enforced despite an allegation that a co-guarantor's signature was forged. Joseph was led by Peter Arden QC on a second appeal to the Court of Appeal.
Dunbar Assets plc v Fowler
A personal guarantor opposed a bankruptcy petition and argued that there was no petitionable debt. Joseph represented the successful lender. It is the only reported case on r.6.12(7) of the Insolvency Rules 1986 concerning delay between demand and petition.
Relfo Limited (in liquidation) v Varsani
[2010] EWCA Civ 560, [2011] 1 WLR 1402, [2010] 3 All ER 1045, [2011] 1 BCLC 71
The leading authority on the meaning of "usual or last known residence" for the purposes of service. Joseph was led by Guy Newey QC (now Mr Justice Newey) at first instance ([2009] EWHC 2297 (Ch), [2009] All ER (D) 30 (Oct)) and by Peter Shaw in the Court of Appeal.
R (Coke-Wallis) v Institute of Chartered Accountants in England and Wales
[2011] UKSC 1, [2011] 2 AC 146, [2011] 2 WLR 103, [2011] 2 All ER 1
Joseph addressed oral argument to the Supreme Court (reported at [2011] 2 AC 146, 149B-E, 150E-F) on each of the points on which the appeal was allowed, opposed by Michael Beloff QC for the respondent.
(1) Haig (2) Shires (3) Lewis (4) Platinum Developers Ltd (in administration) v Beasant
Application by receivers for a declaration that a director had no beneficial interest in a lease granted prior to a company's insolvent administration. Joseph acted for the successful administrators.
Hooper (trustee in bankruptcy of Chowdhary) v Duncan Lewis (Solicitors) Limited
Trustee in bankruptcy's application for disclosure against third parties. Addressed legal professional privilege and third party disclosure under the insolvency regime.
Parkinson Engineering Services PLC (in liquidation) v Swan
[2009] EWCA Civ 1366, [2010] Bus LR 857, [2010] BPIR 437, [2010] 1 BCLC 163
Court of Appeal decision (led by Peter Shaw) concerning amendment of a negligence claim against administrators after expiry of limitation.
New v Gromore Limited
[2009] EWHC 2807 (Ch), [2010] 1 P & CR D50, [2009] All ER (D) 81 (Nov)
Trespass to land and wrongful interference claim arising from the unauthorised demolition of a sculptor's premises containing valuable works of art.
Penfold v Fuller
[2009] EWHC 1195 (Ch), [2009] All ER (D) 312 (Oct)
Determined the correct interpretation of "the claimant" for the purposes of the Civil Proceedings Fees Order 2008 and CPR rule 3.7.
Additional Information
Chambers and Partners 2019 and Chambers Global 2019 says:
"He achieves excellent results, is responsive and integrates himself into the teams that he works with. His drafting and in-court advocacy are equally accomplished."
"He is absolutely brilliant to deal with and gets to grips with the case really really quickly. He is superb."
Chambers and Partners 2018 and Chambers Global 2018:
"He's great with clients, knowledgeable and very hard-working. He's a real team player. He's technically very gifted but also very approachable. He's aggressive when he needs to be."
Chambers UK Bar 2017 and Chambers Global 2017:
"He's clever, commercial and reliable."
Legal 500 2016:
"A superb advocate, who is very knowledgeable on the law and adept at thinking on his feet"
Chambers UK Bar 2016:
"A highly regarded junior who acts on behalf of sizeable lenders and pre-eminent insolvency practitioners in insolvency litigation.
Strengths: 'He is excellent in court, particularly when required to think on his feet and his written submissions are also first class. He is also instinctively able to see the commercial implications of every twist and turn in a piece of litigation.'"
Legal 500 2015:
"…very responsive, easy to work with, and a tenacious litigator."
Chambers UK 2015:
"…developed a strong reputation as a technically adept and client-friendly junior…a good all-rounder, who provides excellent advice and presents very well on his feet…
Expertise: 'He provides advice in an extremely unstuffy manner, and has extremely good insolvency expertise.' 'He is clever, commercial and reliable.'"
Chambers UK 2014:
"A busy junior with a growing reputation in the restructuring and insolvency market. Praised for his technical acumen, he regularly acts for lenders and insolvency practitioners.
Expertise: 'Has a highly collaborative approach to his work; he is flexible, responsive and a pleasure to work with.' 'He has a fantastic legal brain, and displays excellent attention to detail and sound judgment.'"
Chambers UK Bar Guide 2013:
"The 'incredibly user-friendly' Joseph Curl… a corporate and individual insolvency specialist who is described as 'good news – he has buckets of enthusiasm, is quick with his paperwork and effective in all he does.'"
Chambers UK Bar Guide 2012:
"Joseph Curl 'is calm under pressure and has an excellent eye for detail.' He is 'able to understand complex issues with little effort and spots the commercial angle quickly.'"
Chambers UK Bar Guide 2011:
"is commended for his 'technical excellence'. He is 'very thorough and quick to respond.'"
- Insolvency Legislation: Annotations and Commentary (LexisNexis, 7th ed.) (Managing Editor)
- Tolleys Insolvency Law Looseleaf: "Death or Incapacity of the Debtor" (Chapter author)
- Administrators: Conflicts of interest and removal (with Marcia Shekerdemian QC)
International Corporate Rescue (2019) 16(1)
- Don't presume to save your MC Bacon! (with Séamas Gray)
Recovery, Winter 2018
- Administration of insolvent estates of deceased persons: recent legislative changes bury the application of s 284 of the Insolvency Act 1986 (with Steve Leslie)
Corporate Rescue and Insolvency, (2018) 1 CRI 26
- Equity and the Launderers: the Triumph of 'Backward Tracing'
Gore-Browne on Companies, Special Release 2016
- Staking a claim: Longmeade (with Paul Allen and Andrew Foster)
Recovery, Winter 2016
- Who pays? The costs of an appeal from a bankruptcy order (with Faith Julian)
Corporate Rescue and Insolvency (2016) 6 CRI 212
- Tackling Laundering: the implications of Relfo Limited (in liquidation) v Varsani (with Peter Shaw)
International Corporate Rescue (2015) 12(3), 156
- TOUSA: Reckless Restructuring
Corporate Rescue and Insolvency (2013) 6(1), 15
- Bankrupting personal guarantors: recent developments
Insolvency Intelligence (2012) 25(2), 17
- Challenging the trustee's remuneration: a new right for bankrupts?
Insolvency Intelligence (2011) 24(1), 5
- The Spouse v the Creditors: A Turn Against Creditors?
Insolvency Intelligence (2010) 23(6), 81
- "Use it or lose it": section 283A after Lewis v Metropolitan
Insolvency Intelligence (2010) 23(5), 74
- A purposive approach to the rule against foreign revenue enforcement
International Corporate Rescue (2010) 7(2), 137
- Who can apply to rescind a winding-up order?
Insolvency Intelligence (2009) 22(10), 145
LLB (1st Class Honours) (London) – Law – 2006
BA (1st Class Honours) (London) – Politics, Philosophy & History – 2003
Scholarships and Prizes
Wolfson Pupillage Scholarship – Lincoln's Inn 2007
Lord Denning Major Scholarship – Lincoln's Inn 2006
Hardwicke Entrance Scholarship – Lincoln's Inn 2005
Cavendish Prize for Best Law Degree – Birkbeck, University of London 2006
Helena Kennedy Prize for Best Dissertation – Birkbeck, University of London 2006
Wildy's Bookshop Prize for Tort – Birkbeck, University of London 2005
Pearson Publication Prize for Contract – Birkbeck, University of London 2004
Ede & Ravenscroft Prize – Birkbeck, University of London 2002
Professional memberships
Chancery Bar Association
Insolvency Lawyers Association
R3: Association of Business Recovery Professionals
R3 (Association of Business Recovery Professionals) – Member of Council (elected)
R3 (Association of Business Recovery Professionals) – General Technical Committee
Chancery Bar Association – Member of main committee (elected)
Chancery Bar Association – Academic Liaison Subcommittee (chair)
LexisNexis Restructuring & Insolvency Consulting Editorial Board
Visiting lecturer, Birkbeck (University of London)
Joseph Curl is an independent self-employed barrister registered with the Bar Standards Board of England (ref. no 51595); whose practice is governed by the Code of Conduct of the Bar of England and Wales which code can be found at www.barstandardsboard.org.uk; has full professional liability insurance provided by the Bar Mutual Indemnity Fund Limited (ref BM 2930/056) (details of the world-wide cover are provided at www.barmutual.co.uk); is registered for VAT (reg. no. 938 9512 78); and can be contacted during chambers opening hours by telephone at 02074045055 or by e-mail at firstname.lastname@example.com.


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KIA Index
The 35th Infantry Regiment Association salutes our fallen brother, SGT Philip Lorne Konigsfeld, who died in the service of his country on April 3rd, 1968 in Pleiku Province, Vietnam. The cause of death was listed as Multi-Frag. At the time of his death Philip was 26 years of age. He was from Tucson, Arizona. Philip is honored on the Vietnam Veterans Memorial at Panel 47E, Line 51.The decorations earned by SGT Philip Lorne Konigsfeld include: the Combat Infantryman Badge, the Purple Heart, the National Defense Service Medal, the Vietnam Service Medal, the Vietnam Campaign Medal and the Vietnam Cross of Gallantry with Palm Unit Citation.
Philip was born in Chicago, IL and graduated from Richfield, ID High School where he played football and basketball.

subset: commoncrawl


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Tuesday, January 22, 2013
Sneak Peak
6 comments :
Ooooo.... that's kind of a tease! I want to see more! Love ya!ReplyDelete
Well that's okay because the painted version sure look great!!!! I agree with Janet, you tease ;)ReplyDelete
Hugs and purrs,
"her" and Romeo
I love all those colorful hearts! And the red and aqua, my favorite combo :)ReplyDelete
These creations are beautiful...love all of the wonderful colors! I was fighting with my computer this week, too...took me a day to get my wireless re-installed and the printer working. You're right, it doesn't lead to creativity lol...ReplyDelete
Love what you created and the hearts are beautiful. Hopefully the creativity will continue to flow even despite the hiccup. Have a wonderful week LynnReplyDelete
Your creations look wonderful. Those hearts look so happy to me.ReplyDelete
I am not feeling the mojo lately. I have done 2 journal pages lately and lets just say I will be painting over them.. SAD!! Oh well whats a gal to do.


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But now? I mean, it's not a terrible idea. If it isn't a typo on their website, Jeep is leasing base model Gladiators for $143/month. $3,500 down, 10k miles/year, 24 month term. Not unreasonable numbers at all. Plus I would probably trade the Cube in, knocking at least $1,500 or so off that down payment.
So, what does Oppo think? I don't really need a truck in any major sense. But I suspect it would be a fully reasonable daily driver until about the 3rd or 4th time I have to fill it with gas. As for color, I actually don't mind the orange, although I would probably go for the Sting Grey or Gator colors instead.


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Bodenstein Insurance & Real Estate
Insurance AgenciesRealty Services
Monday thru Friday 9:00 - 4:00 pm
Driving Directions:
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About Us
Locally owned and operated Independent Insurance Agency specializing in business insurance as well as personal lines. Contact us for a quote on General Liability, Work Comp, Homeowners, Auto, etc. !


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"The Hour Has Come"
GYC joins forces with European Adventist youth ministries to help re-ignite the reformation.
By Joshua Nebblett
From Friday, July 20, to Tuesday, July 24, 2012, a group of passionate young people from Europe will gather for a Generation of Youth for Christ (GYC)* convention in Austria under the theme: "The Hour Has Come."
For years European young adults have made the trip across the Atlantic to attend GYC's annual December convention in the United States. And each year these young people have left with a desire to see a similar event take place on their own continent, making the inspiration and blessing they have received available to many more.
These young people want, in their own words, to help "inspire, equip, and mobilize this generation in Europe to be wholly committed to fulfilling the mission of the Adventist Church by proclaiming the three angels' messages." They desire to see those messages spread across secular Europe like wildfire, as did the truth in the days of the Reformation.
This Year in Austria
In consultation with TED and EUD youth directors, this desire will become a reality—GYC will hold this one-time event in Europe this summer!
GYC is working closely with the Austrian Union's youth department in the planning of the event. Young people will pour into the little city of Linz, Austria (200 kilometers [125 miles] west of Vienna)—chosen partly because its central geographic location makes attendance possible for many.
Evangelism-minded youth groups are spread across Europe, already sharing the good news in their countries. However, because of the continent's linguistic and cultural diversity, there are limited opportunities for these groups to extensively network, share ideas, and rub shoulders with each other. In providing a venue for these groups to unite, GYC in Europe will provide another forum for youth from various European countries to share how God is working in powerful ways in their respective corners of the continent and to explore avenues of collaboration.
The meeting in Baltimore, Maryland (U.S.A.) in 2010 provided opportunities for networking and witnessing.
Training, Training, Training
More evangelism training is needed in Europe. GYC in Europe will focus on many aspects of evangelism, and will help equip young adults to join hands with their local churches in sharing the gospel.
While the conference will be held in English, the language most common to European countries, messages will be translated into 10 other major languages for those who prefer to enjoy the conference in their native tongue.
The conference schedule will be similar to that of GYC's annual convention in the United States. Attendees will gather in a general assembly every evening and morning, then select from a variety of workshops during which they can receive evangelistic training relevant to their specific areas of interest.
Speakers will include Mark Finley, Martin Ryszewski, David Asscherick, Alan Hush, Sebastien Braxton, and others of diverse cultural and geographical backgrounds. These speakers will lead the listeners to a deeper understanding of the biblical foundations of the Adventist Church, and give guidance and practical training on how best to share those truths with others.
One of the highlights of GYC's conferences in the United States has been evangelistic outreach, when thousands of young people step outside of the conference venue into the local area to knock on doors, pray with people, distribute literature and Bible study cards, and share the love of Jesus with those they encounter. These attendees return to the conference center changed by this powerful experience, and many people have been introduced to Jesus and the special Adventist message through the outreach effort.
The participants in Europe will conduct a similar evangelistic outreach effort, putting into practice what they will be learning in the workshops throughout the conference. GYC is collaborating with the church leadership in Linz to find the most effective means to reach the local population.
GYC is joining forces with the Adventist youth movement in Europe—Adventist young people are passionate about seeing the gospel work finished, for "the hour has come." You are invited to join young adults for a time of training, networking, evangelism, and drawing closer to our Savior through His Word.
*Established in 2002, GYC is a grassroots Adventist movement organized and led by young adults from North America.
For more information on speaking, program, venue, and registration, visit www.gyceurope.org.
Joshua Nebblett is a member of the GYC leadership team and is spearheading the logistical work of organizing the GYC Europe congress in Linz, Austria.


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It's not like I'm the only Soldiers' Angel blogging, you know. Check out "Mail Call!Supporting the Troops"--which also lists a roll call of blogs by members of Soldiers' Angels. I've been honored with an invitation to be listed.
The more support we can give to our men and women overseas in the military, the better. By all means, list my blog if it will help get the word out about Soldiers' Angels. Thanks for the e-mail, fellow Angel, and good work at "Supporting the Troops"!


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NOTICE: Many events listed here have been canceled or postponed due to the Covid-19 emergency. It is best to call ahead or check with organizer's websites to verify the status of any local event.
William Jefferson (Bill) Clinton was the 42nd President of the United States of America, and a five term Governor of the state of Arkansas.
Categories: Politics
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H Upmann Reserve Titan
Awesome value considering the great smoke and draw on these guys. Would buy again even though I don't typically buy cigars online.
H Upmann Reserve Titan Cigars are medium-full strength bold cigars that do not numb the senses. These cigars are carefully crafted using finest tobaccos collected from various parts of the world. The base of these cigars is filled with a mix of aged Nicaraguan and Dominican long fillers bound by a Nicaraguan binder. A dark oily Ecuadorian Sumatra wrapper in chocolate brown hue encases them. This combination produces a smooth creamy smoke that moves on evenly without any hassle. These cigars display notes of cocoa, cedar and sweet spices while burning. A pleasant aroma and a thick ash enhance the experience further. These H Upmann Reserve Titan Cigars are Gordo cigars crafted in the size of 6x60. They come in elegant wooden box packaging containing 27 pieces each. To buy these pleasant cigars place an order at Cuenca Cigars and get the best online price.


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My Adventures Are Yours
Follow me on the socials! While you're at it, you could check out my e-book for broke PhD students like me.
What do you do when you're stuck in a rut? Do you stick it out? Do you change? What if you just… quit?
PhD student. Lover of learning. I write a lot, I think a lot, and I eat a lot of pastries. I write semi-regular updates about my life and travels, personal essays, and fun fiction about my favorite songs.This blog is about all of that, and a bit more. Come for the embarrassing stories, stay for the introspection.


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Raccoon Animal Hat
Made from 100% Natural Himalayan Wool with fleece lining, you won't find a cooler way to stay warm. Polyester liner inside gives you softness and offers great warmth. These hats look great on children & adults alike. Raccoon Hats of excellent quality that are great fun to wear.
Raccoon Hat size: One size fits most adults and teens. Suitable for anyone above the age of 6. Qty- 1
US Shipping Only: Please allow 3 to 6 business days for delivery
International Customers: Please check out other hats


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When it comes to monitors, the majority of displays out there come with a standard base refresh rate of 60Hz. There are some that are designed for gamers that offer up faster refresh rates like 144Hz, but in case that's still not enough for your needs, you might want to check out Alienware's latest monitor offering.
We had a first look at the new Dell / Alienware 55-inch OLED Gaming Monitor, and we came away impressed with this world's first.
A lot of the gaming laptops that we're seeing in the market today can come across a bit garish, what with their sharp angular designs and glowing RGBs. However, we get it, but in case you wanted a gaming laptop that didn't look too obvious, Alienware might have something for you with its new m15 and m17 gaming laptops.
Ubergizmo's Best of CES 2019Editor's Pick
Goodbye CES 2019, this was Ubergizmo's 14th CES! It was difficult to navigate the avalanche of new products and technologies announced there. Including the pre-show work, it took out a huge chunk of December and all of the Holidays, but the chips have fallen, and here are the best products and technologies we've seen at CES 2019, in no particular order!
Laptops designed to be desktop replacements can be really interesting to look at, and the new Alienware Area 51m is certainly the most interesting design we've seen at CES for now.
Although the Alienware M15 was launched in October 2018, Dell/Alienware is already announcing an updated version with more powerful components, most notably with a faster graphics processor (GPU).
Dell's gaming notebook series Alienware has finally come out with a thin and light gaming laptop. Many of its competitors from the likes of ASUS and Razer have all slimmed down and shed serious weight, coming in under five pounds. The Alienware m15 is catching up with slimmer bezels on its 15-inch display. The company is calling the m15 its "lightest and thinnest" laptop yet.
Gamers these days are spoilt for choice when it comes to gaming headsets, but in case you're looking for more options to choose from, you might be interested to learn that Alienware has announced a new gaming headset ahead of E3 2018 in the form of the aptly named Alienware Wireless Headset.
Going on holiday is usually a relaxing thing to do, but different people have different ways of relaxing, and if playing games is your way to taking a load off, then the Hilton hotel in Panama might be worth checking out. Why, you ask? This is because the hotel has furnished a room complete with Alienware hardware.
Alienware has unveiled a new lineup of gaming accessories at the E3 2017 gaming convention in Los Angeles. The new lineup includes a gaming monitor, new mice, and keyboards. The Alienware 25 Gaming Monitor may not be as swanky as some of the other gaming monitors that we've seen at E3 this year but it's certainly going to get the job done for someone who is not looking to spend […]
At CES 2017 Alienware (a Dell brand) is announcing a trio of new Gaming Laptops, including 17, 15 and 13 inches display sizes. The star of the show was the powerful Alienware 17, which comes with a host of design and technical features that make it a computer worthy of attention. Some of these traits are shared with the 15 and 13 inches models, but not all.
Virtual reality gaming appears to be the way of the future, but unfortunately to power a VR headset like the Oculus Rift or the HTC Vive requires some serious hardware. The good news for those of you lazy to build your own rig is that Dell's Alienware division has announced a trio of new laptops that they claim are VR ready.
Dell first introduced the Alienware gaming PC back in 2012. It managed to package a robust gaming PC in a console-like form factor and created a product that won multiple awards and was loved by many gamers across the globe. Today, it's saying farewell to the Alienware X51 gaming PC. Dell has officially discounted sales of the Alienware X51.
The advantages to using the HTC Vive or Oculus Rift is that because they are powered by our computers, they tend to be more powerful and feature rich due to the resources they have access to. This is versus the Samsung Gear VR, Google Cardboard/Daydream, and so on where they are powered by our phones.


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We're looking for our next superstar physio to join the TPC family.
We have options to join our team in the gorgeous Sydney. Full Time or Part Timer's welcome!
Your new job could include work in retirement villages and visiting seniors in their own homes. Wherever you work as a TPCer, you'll be helping seniors stay mobile, safe & happy – that makes us (and our clients) smile and appreciate life.
Physiotherapy within a retirement village combines the ability to see private clients, but also have the flexibility of running exercise classes and building special relationships with residents. Your responsibilities may include:
- Private-practice style appointments
- Use of diagnostic skills and hands-on treatment
- Goal-orientated therapy
- Individualised services (e.g. Tai Chi, Hydrotherapy)
- Seated exercise classes
- High-level balance training
- Home Modification
- Work autonomously with peer support
In addition to the retirement villages you'll visit, there is a growing list of senior clients who are ready to have their goals smashed in the community. Physiotherapy in the community encompasses travelling to anywhere a senior calls home. By entering someone's home you can gain a greater sense of their limitation and what they need to be able to achieve their goals. Your responsibilities may include:
- Provide a mobile, individualised service in a home environment
- Assist clients to create meaningful goals and develop goal plans to achieve these
- Goal-orientated therapy
- Rehabilitation services
- Equipment prescription
- Home Modification
- Autonomous work with peer support
- Work with home-care packages/TAC/DVA
If you want to apply to work at one or more of these great locations, please fill in the form at the bottom of this page. We'd love to get your application.
- A physiotherapy degree
- An ability to build rapport with our clients and team
- Strong communication skills
- The ability to have fun & be a part of a close-knit family.
- Valid 'Aged Care' police check
- Valid drivers licence and car to get around in
- Valid First Aid Certificate
- You'll get your very own Team Leader to welcome you, train you, support you and challenge you!
- You'll join an established and growing team of committed aged care clinicians (Physios and OTs)
- You'll have daily huddle calls to connect and learn from the rest of your team
- You'll get a regular salary as a permanent part-time or full-time team member (not commission based pay)
- You'll get heaps of learning and development including:
- Manual handling & Equipment training
- Local monthly meeting with PD
- 4 half day learning events per year
- A full day annual TPC Swarm Conference in Melbourne with our 140+ team of clinicians
- Monthly social catch ups in your region
- Learning support options for external PD that you choose to do.
- Our working hours are great too – TPCers generally work 8:30am-5:30pm Monday to Friday – NO late nights, NO weekends, NO work on public holidays!!!
Don't just take our word that this is a great place to work,
watch our video now!
Apply Now!
If you're interested in working at one, or all(!), of these locations, please apply now by filling in the form.
If you have a question, please call Jess on
1300 797 793 to have a chat or email her at email@example.com.
Btw – Your application needs to answer the question: Which of TPC's four core values do you like the best (and why!)


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Here at Albany Cleaning Services, we can't quite believe another year has gone by and it's time to look forward to 2016.
It's been a busy 12 months and as we enter the new year, we're taking the opportunity to reflect on how far we've come since starting out in 2003.
How To Make The Right First Impression With Your Office Reception
As the old saying goes, first impressions count. What's more, as the physical space that effectively introduces your business to visitors, your reception area is possibly the most important part of your office.
If you've ever walked into a reception where every available surface is cluttered and untidy, then you won't want to repeat the same mistakes in your own working environment.
Top Five Dirtiest Places in Your School
Germs are found everywhere and when children are in close contact, infection-causing bacteria can spread quickly. Thankfully, there are procedures your school can put in place to teach germs a lesson:
Why Deep Cleaning Your Office Matters
If you've ever moved your desk to look underneath and wish you'd left well alone, then you'll understand why a deep clean is an essential part of office maintenance.
But just what makes it different to the routine, daily clean that should already be in place?
The Impact of a Dirty Office Environment
Every organisation, whether big corporation, small business or charity, wants to save money. Office cleaning is often seen as an expense that people think they can cut corners on and save money. However, the impact of a dirty office can mean that the money that is saved in the short term is actually less than will be lost in the long term. Any cuts to a cleaning budget should therefore be looked at in relation to the impact of a dirty office. Here are a few of the major problems a dirty working environment can cause.
Does a Clean School Make Pupils Behave Better?
Cleaning an entire school is certainly not a simple task, however it is a very important one if pupils are expected to behave well and work hard.
Pupils are required to spend most of their day within the school environment and so whether or not it is well maintained and cared for will undoubtedly have a subconscious effect on their behaviour.
What Type of Cleaning Service Do You Need?
There are three types of cleaning services that you can choose from, each with pros and cons and arguably each will suit different organisations. Here we overview each:


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Proficient in multiple areas which include bodybuilding, strength building, weight loss, endurance, muscular endurance, cardiovascular training, muscular development and toning and oxygen intake (V02 max). Also can provide help and advise in nutrition and supplements.
I offer competitive prices, and I offer cost effective deals and block bookings
Contact me for a free, friendly consultation. And for a free trial to see if I'm the right trainer for you
100-150 York Street
County Antrim BT15 1WA
Northern Ireland
| Phone: 07833029426
Enter your Address for Driving Directions:
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Personal Trainers


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Started this discussion. Last reply by NICO MELON Sep 10, 2015. 1 Reply 0 Likes
So I have finally discovered that I am not crazy, and that this is something REAL that affects me and many other people. This summer I was enjoying lots of fresh fruits when my mouth and skin…Continue
Started this discussion. Last reply by billy bob Mar 9, 2011. 37 Replies 0 Likes
Hey all my fruity friends! It's been a while since I got fired for eating bananas, well, like I said in that discussion, everything…Continue
Started this discussion. Last reply by Scott Jan 4, 2010. 4 Replies 0 Likes
Just thought you'd all find this an interesting topic. He can't really figure out why, but I know I have some ideas.Just food for…Continue
Started this discussion. Last reply by Evan Dec 28, 2009. 91 Replies 0 Likes
Seriously, I look like I am eating things that are bad for me. My face is covered with a rash, and my neck, its not acne, it is red and speckled all over. For a while when I first started the diet,…Continue
Posted on October 24, 2009 at 1:47pm 1 Comment 0 Likes
Hi happy birthday! Have a fruitty party!
hey Cara, longtime!
how's everything?
you and kyle still roommates?
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The left is scared to death of Herman Cain...
Is Herman Cain the left's worst nightmare?
September 27, 2011
Thomas Lifson
Politico, which pretends to be a nonpartisan website while harboring three members of the infamous JourNoList conspiracy to shape news to favor Obama, has revealed how deeply it and the Democrats fear Herman Cain. American Glob noticed that in pictorial display of the GOP presidential field, Politico somehow managed to include Huntsman and Santorum, but omit Herman Cain's beautiful black face. Here is their screen capture:
This is more than odd, considering that Herman Cain now leads the GOP field, according to Zogby's latest poll:
Rick Perry has tumbled by more than 20 percentage points over the past month among Republican presidential primary voters and is now second to Herman Cain, who leads the field with 28%.
Mitt Romney received little benefit from Perrys (sic) fall, garnering 17% of the vote for third place.
Coming in the wake of President Obama's rebuke of the Congressional Black Caucus and Mad Max Waters' pushback, the Politico gambit reveals how deeply Democrats and their agents at Politico fear Herman Cain last night, Cain told Greta Van Susteren:
...the African-American vote, I am confident, based upon black people that I run into, black people that used to call my radio show, black people that have signed up on my website to support me -- I believe, quite frankly, that my campaign, I will garner a minimum of a third of the black vote in this country and possibly more, especially after what the president did recently when he was addressing the black caucus. That didn't go over well with a lot of people in this country.
My message is resonating, not because of my color but because the message is simple, and it is sticking to the American people in terms of actually making a difference.
Unlike Barack Obama, Herman Cain comes from African-American roots, with slave ancestors, and blue collar parents. While Obama's Luo ancestors in Africa were slave holders, Cain's ancestors were slaves in America. Cain didn't attend any elite prep schools or Ivy League universities, he was the first member of his family to attend college and rose on merit in the corporate world, before the era of affirmative action. He is, to use Al Sharpton's phrase, "authentic."
No wonder the left and its press lickspittles are so worried.
Update: ABC News also betrays deep fear of "nobody" Herman Cain. Scott Whitlock of Newsbusters:
Good Morning America's John Hendren on Sunday dismissed the victory of Herman Cain in the Florida straw poll, condescendingly asserting that the "big winner is nobody." The ABC reporter made sure to repeatedly mention the business of the Republican presidential candidate: "That's right. The man who brought you Godfather's Pizza at 37 percent."Hendren arrogantly explained, "What's notable about the Florida straw poll is less who won than who lost...The week's big winner in the Republican primary is nobody."
It's odd for ABC to dismiss the straw poll's actual winner as a "nobody." But if the candidate hasn't broken through, perhaps the hosts at GMA should actually consider having him on as a guest. (This has yet to happen in 2011.)


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Handle With Care Packaging Store in Salt Lake City
"We treat your items as if they were our own."
The Packaging Store in Salt Lake City has earned a reputation for excellence for our packing, palletizing, crating, boxing and shipping services.
Handle With Care Packaging Store in Salt Lake City
Location Hours in Salt Lake City
The Packaging Store in Salt Lake City uses methods and equipment you'd expect from a truly professional shipping company.
We know you want a company which views your belongings with the thought, "We treat your items as if they were our own." We know you want a company which is accessible and responsive to your questions from the time of pick-up to delivery. We know you want a company already tested by thousand of satisfied clients with happy endings.
That company is The Packaging Store. With over 30 years of knowledge and experience as our foundation, The Packaging Store in Salt Lake City has helped people just like you shipping all kinds of items including those which are Fragile, Large, Awkward and Valuable, creating the perfect custom packaging and shipping solutions. The Packaging Store. We get it there with care.
If you have any questions, please don't hesitate to call us at (877) 722-5236. We'd enjoy the opportunity to learn more about your shipping needs.
The Packaging Store - National Logistics Service
The Packaging Store
Park City, UT 84060-2820
Custom Packaging
Foam in Place
Freight Insurance
Fulfillment Service
International Shipping
Moving Supplies
Ocean Shipping
On Site Packing
Packaging Supplies
Pickup & Delivery
Senior Downsizing
Small Shipments
Trade Show Logistics
Warehouse Services
White Glove Delivery
Nestled in the hills above Salt Lake City, the Park City Packaging Store office is dedicated to getting your packages where you need them, when you need them. We pride ourselves on our prompt and efficient service for both private and business customers. For students looking for a cheap way to move, we offer the Park City residential small move service. According to this budget move option, you pack it and we ship it. In addition to the many boxes of books and clothes that you are going to want to see shipped to and from Park City, you can feel confident shipping computers and other electronic equipment with us. Even if you have mislaid the original packaging, we will custom package your items with custom foam.
It is easy to get a free shipping estimate by calling us toll-free at (877) 722-5236. You can also get shipping rates from Park City online with our easy to use form. While you are talking to us, ask about the other specialized services we offer from our Park City packing and shipping store. For example, find out about our great overseas shipping rates.
In addition to our Park City, Utah location, we have packing and shipping stores throughout the states, so we have the national network needed to connect you and your things with any location around the world.


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Investor Relations
NEW YORK, Aug. 4, 2015 /PRNewswire/ -- OnDeck® (NYSE: ONDK), a leading platform for small business lending, announced today that Noah Breslow, Chief Executive Officer, and Howard Katzenberg, Chief Financial Officer, are scheduled to present at the Pacific Crest 17th Annual Global Technology Leadership Forum on August 10, 2015 in Vail, Colorado beginning at 11 a.m. M.T.
The presentation and live audio webcast will be available on the company's Investor Relations website https://investors.ondeck.com for 90 days following the event.
About OnDeck
OnDeck (NYSE: ONDK), a leading platform for small business lending, is committed to increasing Main Street's access to capital. OnDeck uses advanced lending technology and analytics to assess creditworthiness based on actual operating performance and not solely on personal credit. The OnDeck Score®, the company's proprietary small business credit scoring system, evaluates thousands of data points to deliver a credit decision rapidly and accurately. Small businesses can apply for a line of credit or term loan online in minutes, get a decision immediately and receive funds in as fast as the same day. OnDeck also partners with small business service providers, enabling them to connect their customers to OnDeck financing. OnDeck's diversified loan funding strategy enables the company to fund small business loans from various credit facilities, securitization and the OnDeck Marketplace®, a platform that enables institutional investors to purchase small business loans originated by OnDeck.
Since 2007, OnDeck has deployed more than $2 billion to more than 700 different industries in all 50 U.S. states, and also makes small business loans in Canada. The company has an A+ rating with the Better Business Bureau and operates the website BusinessLoans.com which provides credit education and information about small business financing. On December 17, 2014, OnDeck started trading on the New York Stock Exchange under the ticker ONDK.
For more information, please visit www.ondeck.com and follow OnDeck on Twitter @OnDeckCapital.
Investor Contact:Kathryn Harmon email@example.com
Media Contact:Sophie email@example.com
OnDeck, the OnDeck logo, OnDeck Score and OnDeck Marketplace are trademarks of On Deck Capital, Inc.
Logo - http://photos.prnewswire.com/prnh/20130213/LA59048LOGO
To view the original version on PR Newswire, visit:http://www.prnewswire.com/news-releases/ondeck-to-present-at-the-pacific-crest-17th-annual-global-technology-leadership-forum-300122857.html
SOURCE On Deck Capital, Inc.
Steve Klimas
1400 Broadway New York, NY 10018
(646) 668-3582
Loans Subject to Lender Approval. Depending on the state where your business is located and other attributes of the loan, your business loan may be issued by Celtic Bank, a Utah-Chartered Industrial Bank, Member FDIC. Your loan agreement will identify the loan issuer prior to your signing.
OnDeck® is a Registered Trademark. All rights reserved.
1400 Broadway, New York, New York.


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CaribbeanFever / FeverEyes / CaribFever
Caribbean Fever - Your ONLY destination to all things Caribbean and more
zdxfsdf has not received any gifts yet
A manufacturing company has to produce a product in thousands of units. These products could be parts, components or a complete device. Let's say, if an auto part is to be produced for a particular car, how all units would be in exactly same size, neither a millimeter more nor less. In the wake of this need, CNC Cutting machines were born. These machines can produce thousands of units with high precision, exact in size, weight and from every aspect. Industries that have to make clones of a…Continue
Posted on July 25, 2016 at 4:55am — 2 Comments
This is a quite difficult question. There is a short explanation that is given by some sites that deal with herbs and spices.chicken essence wholesale
They say that herbs are fresh leaves of green plants. Spices are dried pieces of various parts of a plant. This is very simplified. It is half-way true but half-way it is not.
Let us see what is true and what is not.
Herbs that are used in kitchen to season dishes, are not always fresh. They may be dried.…Continue
Posted on July 25, 2016 at 4:49am
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Capt. Alvin Turbe and crew are off to a hot start in the 2015 Virgin Islands tournament circuit earning first place in their first tournament of the year. The annual Dolphin Derby, hosted by the Virgin Islands Game Fishing Club (VIGFC) on May 3rd, featured a total of 19 boats and 76 anglers, all competing for the largest Mahi and a shot at a $25,000 grand prize. Rough seas and the recent influx of Sargasso weeds made for difficult fishing conditions, but Capt. Alvin and crew were able to cover some ground and locate the cleaner water where the bigger Mahi's had been passing through. Angler Gilbert Laban of the Capt. Alvin Fishing Charters team hooked the largest fish of the tournament, a 30lb bull Mahi on live-bait. This marks the third year in a row that Capt. Alvin Fishing Charters has earned a top finish in the VIGFC Dolphin Derby. Next up is the Anegada Memorial Day tournament, the Bastille Day Kingfish tournament and the July Billfish Open.
For official tournament results:


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Buying Investment Property
Get expert financial service and strategy that works for you – we make it easy
Whether you are investing in New Zealand residential rental property, buying your own home or refinancing, Investor Mortgages in Christchurch can arrange the money you need to purchase that property
Want to grow an investment portfolio?
Work with an investment mortgage broker who specialises in investors, understands lending, asset protection and tax structures, and will work with your accountant and lawyer to ensure you are structured in the most advantageous way.
Whether you want to buy one property or twenty – there's a strategy and lender that's right for you – we will work together to ensure you have the best lending product available in the market.
We deal with the banks and other mortgage lenders on a daily basis so why not let us find the best deal for your situation. Due to our knowledge, experience and expertise we can secure the best mortgage product for you. There is usually no charge for this service because the bank pays us a commission when you take out the loan.*
Wondering how much you can borrow for a property?
Contact us and we'll estimate your borrowing power (depending on your income, debts and assets).
If you can afford the repayments we will research and analyse the various mortgage lenders to find which one will provide the best mortgage deal for you.
Let us show you how. We start with your goals, and work with you to achieve them.
Are you on a low income, self employed or a business owner?
Don't worry; we know how to present your figures in the most favorable light possible.
We complete the mortgage application forms with you. All you need to do is check and sign them. With your permission, we will request the information we need from your bank or accountant – we make it easy for you.
We can get your loan pre-approved so you have peace of mind – become a cash buyer and have more negotiating power.
On your behalf we will liaise with your lawyer, accountant, valuer, real estate agent, rental property manager, property finder, risk advisor and any other party to make the purchase run smoothly.
Our focus is always on providing the best advice and service that we can in a timely fashion.
We work with our clients to meet their personal, family and investment goals now and in the future.
Call us now for an obligation-free financial health check and assessment
Buying your own home
Are you looking to buy your own home, either getting your foot on the property ladder or upgrading?
Its as important to get it right, buying your own home is the biggest investment you will ever make.
It can be a difficult, time consuming and challenging process.
Here we hope to overcome this for you. You can have more control, we work with you and for you.
Our focus is always on providing the best advice and service that we can. We work to help our clients meet their personal, family and investment goals.
Excellent service, provided in a timely fashion, with an ongoing relationship with you—to be part of your team
But Why Don't I Just Go Straight to My Bank?
Yes, you could but your mortgage is probably the single most important factor determining your financial future. It is vital to choose the right lender and structure your mortgage correctly otherwise you could pay thousands more than necessary over the life of the loan.
Some of the important variables include:
- Fixed rate versus floating versus revolving credit
- Length of term
- Interest rates
- Repayment schedule
- Ownership structures
- Working with a mortgage broker and advisor who has your best interests at heart puts you in a better position to make one of life's most important financial decisions.
At Investor Mortgages our service is professional and friendly and we come to you so contact us today to get started!
- Find out how much you can afford, and how much you can borrow
- Get personalised advice and service to make the process easy
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- Have a repayment schedule that fits your particular needs
- Get pre-approved finance so that you can search the market with certainty, knowing what you can afford to buy, giving you more negotiating power
Call us now for an obligation-free financial health check and assessment.


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hoka clifton 5 1093765 lmsb
The Clifton 5 continues to use a full-length EVA midsole but is now softer, an update which should please loyal Clifton fans. With a moderate heel bevel and an early stage Meta-Rocker, this model will maintain a smooth ride and a speedy toe-off. To improve the comfort and ventilation of the upper, the Clifton 5 has fewer overlays and an even more breathable engineered mesh.


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Press For Truth Assaulted By Security Thug While Covering Al Gore Event
(DAN DICKS) I recently attended an Al Gore event here in Toronto Canada to cover the latest information regarding climate change. We were there no longer than one hour when security guards kicked us off the grounds. We left their private property and proceeded to the public sidewalk outside their property line. That's when one security guard assaulted my camera man/PFT member Mark and almost broke my camera. I could see the red and white in his hands as he squeezed my camera in an effort to break it. This goes to show the unprecedented lengths authorities will go to in order to silence alternative media. Truth is on the rise. We are clearly having an effect in this information war and the time to stand up against the new world order is upon us now more than ever.
Fight the good fight,
Press For Truth.
2 Responses to Press For Truth Assaulted By Security Thug While Covering Al Gore Event
Good job challenging the goons of Al Gore, NWO/globalist whore!
Some people are starting to fight back. Check out http://www.realoathkeepers.org and see what the deal is. These criminal usurpers aren't playing games with us, and we shouldn't play with them either.


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The Berrien County Sheriff's Department has been able to help a Galien woman avoid losing her home as a result of possible title fraud. Deputy Kelly Laesch tells WSJM News the situation involving Joy came to her attention thanks to Berrien County Treasurer Bret Witkowski. Witkowski had spoken to Joy at a show cause hearing this year as she was in danger of foreclosure due to unpaid property taxes. Laesch says Joy had been in a land contract with the 91-year-old owner of the property in question when Joy met the contract's terms and paid the place off in 2016.
"She was just waiting for the homeowner to give her the deed or to go and do the paperwork to put the home in her name, and the homeowner just kept putting her off," Laesch said.
This wasn't sorted out until Laesch got involved, but what happened was the 91-year-old property owner had handed off the parcel via quit claim deed to a caregiver. The caregiver didn't have all the necessary information regarding who should own the property. Laesch tracked her down.
"I went back to the caregiver, and she said she was willing to put it back in Joy's name, and so they went and did a quit claim deed and now Joy has her property back."
The property is now in Joy's hands where it should have been all along. Witkowski tells us Joy is working to pay off its back taxes. Meanwhile, Laesch says this is a lesson to always speak up if you find yourself in tax trouble. She plans to forward her report on the case to the prosecutor when it is finished.


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Coordinator: Shaddy Malik
Patients seen: 22
We had an early car leave at 5:30 to head down to set up the clinic. The other 3 cars for volunteers met on campus at 5:30 and we left around 6:00, took one bathroom break after toll B, and arrived at the clinic at around 8:30 am. With the 4 providers, we were able to see 22 patients in total before leaving at 3:50 pm. We ate at the usual taco shop and left for the border around 5:30 pm. The border took about 30 mins for the 2 cars that went through the ready lane, and 1 hour and a half for the all traffic cars. By the time all cars crossed and got back to campus it was 10:00 pm.


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By honeybee13 · PostedVery good, UB. I'm not clear on the status of Kent now. People are talking about it being part of France, etc, but how is tht when the 'border' only applies to lorries?
By unclebulgaria67 · PostedCampaign starts ? Independence for Kent, so it becomes a separate customs area and can charge a tariff on goods transported through its territory. With the money raised, citizens of Kent might then have little or no income taxes to pay. I could see this campaign being started and it could grow in popularity. Would be funny if Brexit led to break up of UK and break away by some English counties.
By unclebulgaria67 · PostedSERCO seem to be a default company that Government use to perform contact centre type tasks. So any department faced with a problem, say a sudden increase in incoming phone calls, which they cannot handle, because they are dealing with more immediate issues such as making payments to the public, may in the short term involve SERCO. SERCO seem to employ a lot of security cleared, DBS checked, financial checked etc employees, so they seem to be equipped and ready to manage tasks on behalf of Government departments. No idea just how much work SERCO does on behalf of Government, but I should imagine it makes up a sizeable chunk of their business. Public Health departments may want to perform the work themselves, but given the number of employees required, the recruitment process involved, the hours of work 24/7 and just how quick they need to be set up to perform the work, I question whether they are better placed to do so. I would always prefer public sector employees over outsourced contracts, but I can understand why Government uses companies such as SERCO.
By honeybee13 · PostedThere's a campaign against Serco and in favour of local public health people. Apologies for one bit of language but it's a memorable slogan. https://twitter.com/i/status/1309910583790252037
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Samsung 75 8K TV - completely broken by @curryspcworld @TeamKnowhowUK
keyblue321 posted a topic in Currys/Dixons,@curryspcworld @TeamKnowhowUK - Samsung 75 8K TV - completely broken by Currys. https://www.consumeractiongroup.co.uk/topic/426151-samsung-75-8k-tv-completely-broken-by-currys/&do=findComment&comment=5069075
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Post in @evansclothing - Evans Retail Limited refusing refund – In desperate need of help
Jennyripper1974 posted a post in a topic,I'm in desperate need of help
I bought some clothes online in may through Evans and paid through PayPal
returned them all seven days later
I waited the 14days for my refund and no refund came
I put in a dispute through PayPal but I didn't get any emails to escalate the case - PayPal closed it.
evans said they couldn't refund the money because PayPal have cancelled the refund because of the open dispute
I contacted PayPal
they said the dispute had been closed but Evans at no point had attempted a refund.
fast forward to today
I've got copies of numerous messages sent to and from twitter messages as it's the only way I can contact them
I've also contacted their customer service too
all I get is PayPal have cancelled refund because dispute is still open.
I have proved that the dispute is closed
I have got an email saying that if Evans sent the refund they would accept it
but up until the date I got the email they have not once attempted a refund .
I have sent them a letter before court email
I have even offered to have the full refund as a gift card just to get this sorted !
I'm literally at the end of my tether and don't know where to turn next !
i suffer with mental health issues and this is affecting my health and I'd saved the money for a year to buy these clothes as I'm on a low income .
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@evansclothing - Evans Retail Limited refusing refund – In desperate need of help
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Clay Pigeon Shooting OtleyMin. Age 9
Is clay shooting the ultimate thrill? After all, there is no other time in life where you can feel like you are being transported to the wild on a real life game hunt, where high flying targets can appear from all angles at any moment and you have to take them down as fast as possible. With the help of our expert team, your inner gun slinger will be unleashed and you'll be more than ready to take on every challenge waiting for you. If you're a newbie, don't worry- you'll still feel like a champion after a day on our shooting range, so come on down and show us what you're made of.
The Shoot
We have one of the most picturesque shooting ranges in Britain, surrounded by countless acres of stunning Yorkshire countryside. But why would you want to spend a day on the clay shooting site looking at the views around you, when you have some of the most exhilarating action imaginable right in front of you? The Big Shoot's Otley location is home to some of the best clay smashing thrills in the North and just taking a glance at our top notch facilities, it isn't hard to see why. We have different layouts designed to test your skills in a variety of different disciplines, so prepare to give that trigger finger a workout!
Our site has toilets, spectator areas and car parking. Light refreshments are available.
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A chance to try your hand at the exhilarating sport of clay shooting whilst enjoying some time in the countryside with friends or colleagues.
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Please note midweek bookings require a min of 8 people
Restrictions: MinAge: 9, MinGroup: 1, MaxGroup: 35,
Check Availability
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Experience the sheer satisfaction of cracking clays as you take advantage of one of our spectacular shooting grounds situated across the UK and Ireland! Accommodating those as young 5, our venues are tailor-made to accommodate your specific skill level. So, whether you're looking to learn the basics with full expert tuition from our qualified instructors or looking to improve your pre-existing dead-eye talents, we've got a venue to suit you! Upon arrival, you'll be equipped with all the latest safety gear whilst being presented with a full safety briefing.
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You can find our Otley location just moments from the A660, in quick striking distance from Leeds/Bradford Airport. We are a half hour drive from Leeds and have plenty of transport links connecting us across West Yorkshire. Full travel information will be printed on your booking confirmation receipt.
Maps and directions used on our website are for guide purposes only. Please use the directions supplied with your booking confirmation when making travel arrangements.
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"Loved the experience. Team were very welcoming and friendly."
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"The Oatley Club is run by a very competent, calm and professional staff. Phil is absolutely outstanding in his advise and with just a few minor changes to me handling the gum the results achieved were excellent."
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"Would recommend Yorkgate Gun club as a venue. Was surprised to find out that "the big shoot" is an agency booker and has nothing to do with Yorkgate Gun Club. The price difference is huge. You should make people aware of this on your website clearly. "
"Had a fantastic day. Will definitely be doing it again. My 15year old was absolutely overjoyed. "
"Excellent 1-1 tuition, great instructor very friendly and helpful. "


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10 Great Ways To Use Apples This Fall
Fall's favorite fruit can make more than pies and crisps. Try some of these ideas to showcase apples in ways your family will love.
Photo By: Julie Martens Forney
Photo By: Julie Martens Forney
Photo By: New York Apple Country at NYAppleCountry.com
Photo By: Julie Martens Forney
Photo By: U.S. Apple Association at USApple.org
Photo By: Julie Martens Forney
Photo By: Julie Martens Forney
Photo By: New York Apple Country at NYAppleCountry.com
Photo By: Julie Martens Forney
Photo By: Julie Martens Forney
Photo By: Julie Martens Forney
Orchard-Fresh Snack
When autumn arrives, apples are the undisputed star. Nothing quite compares with a trip to a local orchard or farmers' market where you can find fresh-picked fruit that's juicy, crunchy and just plain wonderful. Like many seasonal favorites, apples typically fill a few tried-and-true roles in the kitchen. Of course, they're terrific for eating out of hand, packing a powerful nutritious punch of fiber and Vitamin C. But apples can headline in a variety of uses that demand minimum prep or skill. Ready to take your apple eating to the next level? Check out some of our favorite ways to enjoy orchard-fresh apples.
Apple Peel Tea
Apple Slaw
Give classic cabbage slaw a sweet twist by swapping out some of the cabbage for thinly sliced apples for an apple slaw recipe. A mix of red and green apples cut into matchstick-size pieces creates a colorful dish. Add green and red cabbage, roasted pistachio nuts and shredded carrots to complete the pretty side salad. Use a traditional coleslaw dressing, or whisk together an apple cider vinaigrette. Remember to toss apple pieces with diluted lemon juice to prevent oxidation or browning.
Apple Peels
Apple Pie
Of course, apple pie is the go-to dessert everyone knows and loves. Whether you're serving deep dish, double crust, lattice-top or Dutch crumb, it's tough to beat this American classic. This year, up your pie game by trying some new twists on a family favorite. Marry apple with other tasty ingredients to deliver a whole new crowd pleaser. Good apple combinations include cranberry, raisin, raspberry, dates and pear. Toss nuts into the filling, or switch up spices, swapping cinnamon for Chinese five-spice. Trade pastry for a ginger snap or cinnamon graham cracker crust. You can freeze unbaked apple pies for a quick dessert that's equally cozy and impressive. Or save your freezer space by making home-canned apple pie filling. It comes together in a snap with a boiling water bath and turns out wonderful fresh-tasting pies for the holidays and beyond.
Homemade Applesauce
A family favorite, applesauce blends well with many mealtime menus, standing in as side dish or dessert. Best of all, applesauce is easy to make. Simply peel, core and cook apples until they fall apart easily with a spoon. Add seasoning (think cinnamon and maple or agave syrup) while cooking or after. Applesauce without seasoning varies in color, based on the type of apple you use. In some cases, cooking the apples with peels on results in a pink sauce. To remove peels, just run the cooked apples through a food mill or strainer. Make applesauce as chunky or smooth as you like. For long-term storage, freeze or can it using a boiling water bath.
Apple Cider
It's surprisingly easy to make your own apple cider—no apple press required. Just quarter apples, add water, sweetener (if using) and seasoning, and cook for an hour or more. Run the apples through a food mill or food strainer to remove any solids, then strain it again through cheesecloth or paint strainer bag to yield a clear liquid. Enjoy apple cider cold or hot. Once you master cider-making, use your brew to whip up apple cider donuts, a classic fall treat. Homemade apple cider keeps about a week in the fridge; freeze or water bath can it for longer storage.
Spinach Salad With Apples
Apples make a tasty, crunchy addition to salads of mixed greens. They blend beautifully with a basic spinach salad, like this one that includes red cabbage, carrot, chickpeas, cheddar cheese and pistachios. Another yummy salad blend is apple, chopped kale, quinoa and walnut. Choose any apple variety to top salads. To prep apples, chop them, coat with a little lemon juice (to prevent browning) and add to salads. Whip up an apple-y dressing using apple cider vinegar. Blend it with Dijon mustard, seasoning and honey for a tasty sweet and sour bite.
Dried Apple Rings
Try your hand at drying apples, either in the oven or using a dehydrator. Drying is a great way to preserve apples long-term. When apples are fully, properly dry, they'll last up to six months in a cool, dark place. Or you can also freeze them for longer storage. Dried apples make a tasty snack and are a great addition to homemade granola or trail mix. Grab chopped dried apples for an oatmeal topper or a delicious addition to oatmeal cookies.
Caramel Apple Cookies
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Apple Dumpling
Whip up a batch of apple dumplings for a crowd-pleasing dessert. Pastry-wrapped apples nestled into a sweet caramel sauce aren't difficult to make. They hold their own when served as dessert at an elegant dinner or cozy family supper. The secret to success is to use a pastry that contains butter and egg yolk. That blend is pliable enough to make wrapping apples a breeze. (Pastry with shortening is too short and tends to break.) Serve warm apple dumplings solo, or pair with ice cream, milk or cream. If you don't want to gobble all the pastry calories, try your hand at making baked apples (baked whole apples with skins on). They're decadent enough for even the sweetest tooth in your gang.


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Monday Quotables: Expand with Courage
I joined a terrific networking site called Stage32.com, which is specifically for film and TV creative types. And I picked up this gem today from Twitter that I wanted to share:
Make this week about expansion! And make sure to check out my Stage32 profile, as well as my "Pizza for Good" TV-show logline—appreciate any and all shares.


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We are searching for a technical, hands-on game designer with a broad range of skills within areas of design, prototyping, and coding to join our Deep Rock Galactic team.
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Hello Unregistered ,
or setup printing as a background task and dump your buffer into the queue when its empty
'* Name :...
If you're looking for more efficient then drop the formatting entirely and just send the binary data.
If you format 256MB of data using HEX2 you end up with twice the number of bytes to transfer...
Mark thanks for the info. I'm new to working with stepper motors and their controllers. Seems a little easier to use a controller than to do all the programming to pulse all 4 inputs on the motor...DavyJones Today, 11:13
Hi All
OK I now have set :-
TRISB=%00000111 As per Data sheet ...... Really thought that would cure my issue
Stripped code back to :-
Currently, as a short term solution, outputting the array as 16x HSEROUTs of 16x pairs of hex digits. Crude, but functional, and VB is able to convert this data back to its integer format...
Hi all,
Having an issue with outputting data from a pic to PC via a USB-serial COM port.
I have an array of 256 bytes (1048574 of these pages of bytes in fact!)
What I'd like to do is...
David, at 200 steps per revelolution the motor will run rough. Once you get it running change the dip switches on the driver to 1/8th step or 1600 pulses/rev. It will run much smoother.
Thanks Mark_S that makes sense to me know
This is a simple way to generate step pulses
Count = 1
While count < 2000 ' Send 2000 pulses rotate motor 10 times
Latx = 1 'Output 10us pulse to stepper drive
pauseus 10
Agreed..... I think I understood that what I am missing is if I am am going to send PWM/HPWM out on one of the pins (lets say as an example I set it up for 200 pules per revolution) is that 200...DavyJones Yesterday, 15:09


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The Curriculum is designed for 2 years of course work and one year for dissertation. There are no breaks. A distance learning program, particularly at the doctoral level, requires commitment and discipline on the part of the student. Commitment to work hard and complete the program. Discipline to plan and maintain study times for yourself. Self-learning can be difficult at times because you are alone with your decision to proceed and cannot enjoy the camaraderie of fellow students attending an on-campus class.
Our program is designed for and is best suited for working adults, lab technicians, medical technicians, science educators, and anyone who wishes to expand their knowledge of this exciting field of stem cell biology. Consequently, the program is structured for part-time study over 3 years.
Throughout the program, you will have an academic advisor who will help you through the educational program. You will have someone to take problems to. We want all students to succeed, and to complete the program so you can further your career, and make important future contributions that will reflect well on the College.
Note: The Curriculum has been Revised and Updated for Students Entering On or After September 1, 2019, as Summarized Here:
The Curriculum in effect for students entering prior to September 1, 2019 is Here:
A description of the courses can be found in our Course Handbook 2020 CourseHandbook2020
The program concludes with the completion of the Dissertation (Click on Dissertation section of Academic Program in above navigation bar).
In addition, students are encouraged to seek out training sessions, and various stem cell lab projects which occur from time to time in their home countries. Such hands-on lab training is certainly beneficial, and if completed during the student's study with the College, is added to the official academic record of the student. Lastly, although we have no laboratory, we do train students in laboratory procedures. Here is a Sample Assignment Concerning Growth Media of one of our students discussing the procedures and equipment for expanding adult stem cells ex vivo. We are confident that our graduates can be comfortable and capable of discussing stem cell issues in any environment.


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From Waste Disposal to Pet Taxi Services, the list below has many service-related Southern California businesses. If we missed your business, contact us to find out how to add your business to our resource list. If you are a pet lover looking for a print copy of Pet Companion Magazine, the businesses below with physical locations have copies delivered — but call first, the magazines go quickly!
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Trillium Book Award 2018 Author Readings
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Doors open 6:30 p.m. Readings begin 7:00 p.m.
Free snacks and light bar
We have a terrific line-up of participating authors so be sure to arrive early to get a good seat.
For a full list of the authors and their books nominated this year please visit http://www.omdc.on.ca/book/trillium_book_award.htm.
Ontario's Trillium Book Award honours literary excellence by our province's authors and their books. Ontario Media Devleopment Corporation (OMDC) is proud to showcase the talent and diversity of some of Ontario's finest authors at this event.
OMDC is committed to meeting requirements under the Accessibility for Ontarians with Disabilities Act, 2005 (AODA). Accommodation will be provided at the event for persons with disabilities. If you require assistance, please contact us at firstname.lastname@example.com to discuss your needs and/or if you have other questions.


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Amy is a brilliant facilitator who knows her audience well and tailors the day to specifically fit their needs. The content of the course is superb and most areas are thought provoking. I certainly feel like I have some new, useful tools to continue my management journey.
The course was tailored to EMT and the trainer had great knowledge of the business. I have attended several leadership courses and this was by far the best as it was very genuine and the trainer had a real passion and flair for getting the candidates engaged and see what the benefits are to EMT and their personal leadership style. Excellent.