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In my over twenty-seven years of treating thousands of patients, I have developed an eclectic approach to healing chronic illness with diet, nutrition and herbal therapy. My practice has primarily been with chronic, difficult to treat conditions especially the many forms of chronic fatigue and adrenal fatigue.
Over the years, I have found that there are many factors that contribute to chronic fatigue and the many problems associated with it and I have found that rigidly adhering to any particular system whether it is a dietary practice or Chinese Medicine, results in less than optimal healing.
I began my studies of diet, nutrition and herbal therapy as a teenager. I explored many dietary practices and theories during this time and actually applied them in my own diet in many cases. As the manager of a natural foods co-op, I observed very early on that there were people who were doing well on a variety of diets. I saw that there was no one perfect diet for everyone.
As my studies continued, I also understood that there are certain elements and factors which must be taken into account for each person to determine the best form of nutrition or diet for them. These include such issues as food sensitivities, gluten allergies, digestive needs, glucose intolerance, ability to digest fats and digestive impairments such as those due to candida albicans or parasites.
Over the years, I began to experience and observe the limits of dietary intervention. As important and fundamental as good diet is, it is not enough to reverse certain chronic illnesses and weaknesses. I found that without addressing these types of imbalances precisely, it was very difficult to succeed in healing chronic illness.
Chinese Herbal Therapy, Nutritional Balancing, metal detoxification, diet and nutrition, combined with lifestyle counseling addressed nearly all the factors creating and continuing chronic illness. Each program is specifically tailored to the patient and not all of these elements are required for healing chronic illness in everyone.
Once I experienced the power of Chinese Herbal Therapy, I was so impressed at the effects of Chinese herbal formulas as compared to the simpler use of herbal therapy I had worked with before, that I began studying Chinese Medicine and herbal therapy in 1978 under the direction of Master Ni Hua Ching in Los Angeles.
In 1979, I began studies at S.A.M.R.A. University, the first acupuncture college in California, which had only been open for six months. I took two and a half years off from my studies to have my son, Alex Tuggle, who is also an acupuncturist. I graduated in 1985 with a Distinguished Student Award and was licensed by the Medical Board of California Acupuncture Committee in 1986.
Chinese Herbal Therapy is the most highly developed form of herbal medicine in the world. Many other systems of herbal therapy have much to contribute but the theoretical foundations and the system of diagnosis and treatment which makes up Chinese Herbal Therapy allows for treatment of an extremely wide range of conditions from short-term, and milder problems to so-called incurable conditions. When healing chronic illness, the power of Chinese Herbal Therapy can make a real difference.
The system allows for the use of all kinds of herbs not just Chinese herbs. It is not limited to the developments of the past, although it benefits greatly from the very long history of its development. While Chinese Herbal Therapy cannot do everything, often it is difficult to obtain certain results without it. It is especially helpful in reducing and eliminating the need for medications and their side effects.
In my continuing search for ways to help my most difficult and chronic patients succeed in healing chronic illness, I learned of the work of Dr. Paul Eck, who developed a powerful method of nutritional therapy called Nutritional Balancing. Dr. Eck was a biochemist and naturapath who studied the nutritional status of many thousands of people for over 30 years utilizing the diagnostic method of hair tissue mineral analysis.
Hair tissue mineral analysis measures the mineral content of the hair. As hair is a soft tissue of the body, the mineral content of the hair reflects the functions of the body at the cellular level of the soft tissues where all metabolic activity occurs. Blood tests are useful and very important in acute conditions but they often fail to reveal chronic conditions until they are very advanced. This is because the body keeps the blood values as close to normal as possible even at the expense of the body tissues.
Blood is a transportation medium designed to pick up and drop off the many substances the body needs. The ability to pick up and drop off is controlled by the specific levels maintained in the blood. Blood values must be maintained in very narrow ranges or severe, even life threatening symptoms may result. Therefore, the body will sacrifice the soft tissues if need be to maintain those values. Hair tissue mineral analysis can reveal the imbalances which have developed at the cellular, soft tissue level.
Using this information, Dr. Eck developed a highly sophisticated nutritional therapy designed to reverse the toxic and degenerative developments in the body due to all types of stress. After many years of experience with this method of nutritional therapy, I can say it is the most powerful and effective method I have seen. It is the best way to address problems of toxic metals which are very often an important factor in chronic fatigue and chronic illness in general.
Chelation and other forms of detoxification from heavy metals can only remove metals that are available in a free form. In many cases, these metals such as aluminum, mercury, nickle, cadmium and lead are tightly bound and sequestered in the body tissues. The body is actually making use of these toxic metals as substitutes for minerals which are deficient or bio-unavailable in the body.
The preferred minerals are the optimal minerals needed for each enzyme function in the body. If a preferred mineral is not present, due to deficiency, bio-unavailability, or any other reason, it is replaced with a less optimal mineral in the enzyme binding site. The result is lowered efficiency and often breakdown of that enzyme function.
This is an adaptive mechanism that allows us to survive in the face of deficiencies or metal toxicity. Replacing less-preferred minerals is a central concept in Nutritional Balancing and in healing chronic illness. As the balancing and replacement process proceeds, the body releases nutrients and toxic metals that were acting as replacements for the optimal minerals.
Until the nutritional status of the body has shifted to a degree that supplies these minerals in a usable form to the tissues, the body will not release the toxic metals. Nutritional Balancing is a method that systematically re-balances the body chemistry to allow the tissues to release these toxic metals and replace them with the proper nutrients to allow full cellular functioning and energy production.
The toxic metals will not appear on a hair test until the body is able to release them so an initial test with little or no toxic metals showing does not mean they are not there. They do tend to cause characteristic shifts and deviations which can be seen in the other mineral levels.
As the personalized nutritional program is followed, re-testing is essential to monitor these developments and modify the program accordingly. It is fairly common for a person to need a completely different nutritional program within six to nine months of beginning Nutritional Balancing.
Nutritional Balancing is also the best way to improve copper toxicity. Although copper is an essential nutrient, due to long term adrenal stress as well as other factors, such as hormonal imbalances or high copper diets, it is the essential nutrient most likely to build up to toxic levels in the body. It is a very common factor in chronic fatigue and many other chronic diseases including mental illness and drug addictions.
The balancing process is achieved by providing the specific nutrients needed to balance the oxidation rate and support the energy production pathway in the cells. These nutrients are determined by the results of a properly performed hair tissue mineral analysis. As cellular energy is restored and nutritional deficiencies and bio-unavailabilities improved, healing naturally proceeds. The body knows exactly what to do with the new energy being produced.
Detoxification, die-off, re-tracing, healing crisis -- these are all terms for similar phenomenon which are an important part of the healing process. Natural healing is based on encouraging the body to rebuild body functions and cleanse itself of toxic substances or infections and is not always a matter of feeling better. When healing chronic illness, feeling better is often fairly low on the list of priorities because feeling better takes some of the still very limited energy available to the body.
When the body is working to rebuild the very foundation from which human energy flows, diverting some of that precious energy just to make us feel better may not be a prudent use of the energy. As the body heals through diet, nutritional balancing and herbal therapy, little by little symptoms become more comfortable and fade away over time. But in the earlier stages of the healing process, at times there can be flare ups of symptoms.
Symptoms will be relieved, very quickly in many cases with herbal therapy, but the goal is to heal and rebuild the body to real health and strength. Symptoms may or may not be relieved in the order we would like. The body has its own priorities in healing chronic illness and will address conditions that it considers the most important first, whether that condition bothers us or not. Also all forms of natural healing often, although not always, involve what is called a healing crisis.
A healing crisis is a period in the healing process when we actually feel worse than before. This can be due to a number of factors. Often when the healing process is stimulated in the body with herbal therapy, dietary changes or a nutritional program, the energies of the body are directed inward to the organs and tissues where this work is occurring. Healing is work for the body and requires energy to do it. This can make us fatigued, just as when we are fighting an infection.
Many of us over-expend our energy and force it to the surface with stimulants such as coffee and sugar. We may feel better when we do this, but it is exhausting us and laying the ground work for chronic illness. Natural therapies reverse this process, sending the energies deeper into the body to promote healing. But we will not have as much energy to spend as we may be accustomed to spending. Resting as much as possible is the cure for this problem and it will pass as the body becomes stronger and has more real energy available.
In the Nutritional Balancing process, often the first reason for symptoms to worsen or reoccur is the detoxification of heavy metals. Nutritional Balancing is able to powerfully support our own ability to release heavy metals from the tissues where they may have been building up for many years due to impaired metabolism.
During the first three to nine months of the nutritional protocol and retesting process, it is very common to release metals such as copper, aluminum, mercury, manganese, cadmium and lead. As these toxic substances are released from tissue storage, and move through the blood to be excreted through the liver and kidneys, they are capable of causing some of the symptoms typical of acute exposure to the metal.
In addition, for many chronically ill people, some degree of liver detoxification impairment is part of their problems and can even be due to the very metal being cleared, especially in the case of copper toxicity.
Slowing down the Nutritional Balancing program by reducing the number of times per day the protocol is taken in order to slow down the release of the metal is the simplest approach to reducing the detox symptoms. However, this can interfere with the other benefits of the program if the dosage reduction continues for many months.
There are a few products that can improve the detox process to the degree that a more normal level of supplement usage can be maintained during the detox process and allow for faster progress overall in rebuilding body energy.
Copper elimination often aggravates the same chronic problems the copper has been causing including skin problems, irritable bowel, digestive disturbances, headaches, neuralgia, hormonal imbalances, constipation and insomnia.
The best product for improving copper detox symptoms is Extended Health Liver Support. This was developed for use during various methods of chelation and it really does help the liver to handle the higher influx of metal to be cleansed from the system.
For other metals such as aluminum, mercury, cadmium, lead and others, the Results RNA Advanced Cellular Zeolite can relieve all kinds of detox symtoms fast. If sleep is disturbed, higher doses of 10 to 20 sprays at bedtime often greatly improves sleep.
Nutritional Balancing is a highly sophisticated nutritional system that rebuilds our own ability to chelate and excrete heavy metal. It balances body chemistry to allow the cells to release metals that are sequestered deep in the tissues and are not available to be removed by externally administered chelating agents.
Using a Nutritional Balancing approach also prevents the significant loss of essential minerals from the body that is typical of intravenous and oral chelation in spite of the mineral supplements that are usually given.
However, the release of metal at times can be quite high so formulas such as Liver Support can bolster the ability of the liver to excrete metal into the bile, through the gall bladder into the intestinal tract and then out through the bowels. All of these organs must be active enough to complete the process of full elimination of the metal.
The best general chelating product that can improve urinary output of
metals such as lead, aluminum, copper and mercury without pulling out
large amounts of calcium, magnesium and zinc, is the Results RNA Advanced Cellular Zeolite.
This zeolite is absolutely pure and suspended in 100% pure H2O. It is
nano sized which means that very small doses are highly effective due
to the greatly increased surface area of the zeolite crystals. It is absolutely the most effective zeolite product in my experience.
Because the zeolite has a cage-like shape, once the positively charged molecules of mercury, lead, copper and other substances such as free radicals and toxic chemicals bond to the zeolite, they are neutralized and no longer capable of interacting with the body to cause symptoms. For some, the detox symptoms will be gone within five to ten minutes. This is true for other detox symptoms including the after effects of alcohol.
The zeolite leaves the body with 5 to 7 hours along with the toxic substance that has bonded to it. Due to the low dosage required when using pure nano sized zeolite, the digestive side effects that sometimes occur with micron sized products does not occur with Advanced Cellular Zeolite. Zeolite, like all chelating substances can only pick up metals that have been released from the tissues in a free form. This product must be purchased from a licensed health care provider.
Various forms of Chinese herbal therapy are very helpful in the early stages of healing to help control symptoms and reduce the need for medication. There are many excellent formulas to help with menstrual and menopausal symptoms, gall bladder discomfort, breathing problems and coughing, digestive weaknesses and pain of many types.
The herbal tonics when used properly are an excellent method of speeding up the rebuilding process, increasing energy and reducing the effects of aging. For very targeted therapy of specific problems, it is often more effective than other methods. It combines well with Nutritional Balancing although many people find the nutritional program to be all they need.
The well known and commonly available Chinese herbal formula called Yin Chiao, or Yin Qiao is very helpful in relieving detox and die-off symptoms as well as general discomfort ranging from sore throats, insect bites, ear aches, and non-chronic headaches to poison oak and neuralgia, especially trigeminal neuralgia. Taken right away and frequently during the onset of a cold, it can stop it or make it much milder. If it comes on anyway, Yin Chiao is very helpful with the symptoms and reduces fever.
It is especially helpful in candida detoxification and can be used quite freely to control the flu-like symptoms typical of candida die off. It can be taken every hour at first until symptoms begin to subside. Then take it whenever the symptoms re-occur.
The main contraindication is loose bowels when taking high doses, but this is temporary. After a while, as the candida clears the system, it will not cause such severe reactions as there will not be as much candida in the system dying off all at once. The liver will be able to take care of the toxins released and no particular symptoms will occur.
The digestive discomfort that occurs with all kinds of detox and die off situations is very often helped by the Chinese herbal formula known as Curing Pill. The Health Concerns brand called Quiet Digestion is particularly effective. Quiet Digestion is excellent for cramping, bloating, gas, generally poor digestion, nausea, diarrhea and when combined with Yin Chiao, is very good for the stomach flu.
It will control irritable bowel episodes if it is taken 3 pills each hour and the person lies down until the symptoms pass. Usually three doses will do it. Copper toxicity causes many irritable bowel type symptoms including bloating, cramping, and abdominal tenderness. Quiet Digestion taken regularly will minimize the flare up of this problem while the copper is being eliminated.
If the digestive symptoms are due to metal toxicity or metal detox, the Results RNA Advanced Cellular Zeolite can improve them very quickly. It is often helpful when it has become very difficult to eat due to pain.
Dr. Ohira's Probiotic 12 Plus is the best probiotic formula to rebuild the beneficial intestinal flora. In my experience, any good quality probiotic supplement will help clear out candida and improve digestion, but Dr. Ohira's is the most powerful and effective.
The 12 strains of bacteria are grown together at room temperature for 3 to 5 years. This makes them extremely hardy at body temperatures and assures that they will work together in the intestines instead of competing with each other. For acute digestive flare ups, the pills can be chewed. Take one every hour until the episode passes.
The re-tracing process or healing crisis occurs when the body reactivates an old, incompletely healed condition from the past in order to complete the healing process. Old injuries, infections or even chronic problems such as asthma can flare up for a time as the body works to completely heal the problem. Improvements in diet, herbal therapy and nutritional balancing all have the ability to stimulate healing in this way.
In Nutritional Balancing, the body works through its defensive mineral patterns in the reverse order that they arrived. As the body re-visits an old pattern from years ago, you may experience old symptoms, memories, and old feelings as you re-visit that old state of balance that occurred at the time.
Normally, the condition is milder and much shorter-lived than the original. Chinese herbal therapy is very helpful in promoting a faster and more comfortable resolution of the various symptoms the re-tracing process has reactivated.
Ultimately, each of us is responsible for our own health. We create it or destroy it both through our own actions and our actions as a society. While we cannot control everything that could make us ill, we can control enough to make a difference. Often a huge difference. Natural therapy requires taking that responsibility and using the power that comes with it to heal the whole person, not just to relieve an annoying symptom.
The goals of the patient will determine whether natural healing is right for them. If the goal is full health recovery and elimination of the need for symptomatic treatments, then an integrated program of natural therapy can bring that about.
Since we are rebuilding the body, it will take time. The majority of chronic fatigue patients and other chronically ill patients achieve major improvement within two years. There is often significant improvement with diet, nutritional balancing and herbal therapy during the first year but it usually takes at least another year to make the improvement strong enough to be permanent.
If the goals of the patient include improving the effects of aging and prevention of disease, then an ongoing supportive nutritional balancing program can be effective in achieving that. Especially when taking nutritional supplements, monitoring their effects and modifying the program in response to life changes using hair tissue mineral analysis is strongly recommended. Taking vitamins and minerals randomly or based on average requirements can cause imbalances in the body chemistry.
For many people, illness is a wake up call. It is a signal that they must change the way they live. It is often the beginning of a new, better life and a life-long journey of understanding and growth. Working with the body can initiate healing on all levels as there is no real separation between body and mind.
Healing is the renewal of growth and development which may have been stunted or stopped due to all types of damaging and exhausting elements in our environment or way of life. As we remove those damaging elements, the body naturally takes up where it left off.
The body always responds to an improvement in environment and nutrition with healing and growth. The power of the body to heal is apparently limitless when we provide for its needs. Determining what those needs are is the tricky part for some of us, but it can be done. Step by step.
For more information on Dr. Eck's system of Nutritional Balancing,
see the many articles available at the web site for Analytical Research
Labs, the lab founded by Dr. Eck.
Analytical Research Labs (opens window)


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I keep going back and forth with this one because I am told different things all the time.
Is it best to use a sponge for application of liquid foundation or is it better to use your fingers?
I was told by make up artists that it is best to use your finger (as long as you wash your hands) because it applies better and that you dont waste the product on the sponge absorption.
On the other hand, I was just told by another artist that the sponge is defiantly better because it applies more evenly and gives the skin a more even tone.
Does anyone have advice on this? Or does it really just come down to personal preference?

subset: commoncrawl


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Sorry, this item sold. Have NDetailDesign make something just for you, or try these other items:
Bright ocean blue and turquoise vintage brooch, resembling a Dahlia, perfect to accentuate a scarf, dress or even necklace. Flower measures 2 1/2" in diameter. Made of metal and paint has a glossy lacquer type finish on front with a metallic gold back. Keep in mind though, this is a vintage pin and will show some wear, but is in very good condition. Please Enjoy!!
Vintage Brooch
- Vintage item
- Only ships within United States.
- Feedback: 475 reviews
- Favorited by: 12 people
- Listed on Jul 4, 2012
- 63 views
- 12 favorites


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Business TypeManufacturer
Main MarketsSoutheast Asia
Product/ServiceManufacturing Of Computers, Supply Of Computer Hardware&Pheipherals, Serevices Etc.
Business OwnerMahadevan
Employees5 - 10 People
CategoryBusiness Services - Agency Services
Link ToolIndia Business Services - India Agency Services
Company TagsComputer Hardware - Computers - Hardware - Hardware And Software - Software
Company Introduction
We are qualified engineers in Hardware and Software. Ity is company which is atpresent Manufacturing Computers for Home and Office. Intend to Make High end gaming and 3D PC requirements.
Interested in all the componnets of computer.. All hardware
Interested in all the componnets of computer.. All hardware
Contact Information
Contact PersonMr. Srinivasan Mahadevan
Fax Number91-26892396
Post Code560070
AddressPadmanabhanagar, Bangalore, Karnataka, India
Online Mapsengem technologies Map & Directions


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My Back Pages by Rich Lynch |
All files are in PDF format
Welcome to my world! My Back Pages is a personal anthology project of my previously published articles and essays. I've been a writer for several decades, so this is a multiple-issue collection. For the first issue I selected seven pieces which provides an indication of some of my interests—sports, music, travel, fan history, and family. The second issue, published just before the 2010 Australia worldcon, is book-ended by articles I wrote and co-wrote about two previous epic adventures Down Under. Issue #3 is a travel-themed issue with essays involving undocumented historical sites, valorous stadium vendors, large bronze bulls, Broadway shows, winged warriors, evening receptions, vicarious interplanetary journeys, notable old buildings, amber jewelry, semi-obscure composers, famous science fiction fans, and snow emergencies. Issue #4 is a summer-themed issue, with essays involving famous bulls, gargantuan lawn ornaments, favorite buildings, ornery babushkas, unruly sheepdogs, human lemmings, legendary musicians, unusual ceiling fans, memorable conventions, larger-than-life superheroes, different kinds of cathedrals, and absent friends. Issue #5 is a western-themed issue about conventions and absent friends, with essays involving talented writers, big blue bears, popular aquatic creatures, famous shrines, ceramic teapots, chocolate rockets, legendary fanzines, erroneous street maps, famous fan communities, unusual things to collect, fannish hijinks, language barriers, financial karma, unexpected silver linings, damaged suitcases, and far-reaching results of chance remarks. Issue #6 has been built to withstand some cold weather and features some of my articles and essays about experiences in (or leading up to) the cold weather months, involving gigantic sand dunes, unusual financial wizardry, wading flamingos, historical museums, fabulous beasts, cape-ified statues, entertaining musicals, deserving authors, notable fans and fan organizations, legendary composers, frightened housepets, historical artifacts, favorite buildings, crocheted sea creatures, thunder snow, and one truly awesome robot. Issue #7 is structured as a personal journey, with essays involving long walks, barroom brawls, gamma rays, signature screams, album cover recreations, lucrative tourist attractions, singing subway attendants, famous paintings, skyscrapers old and new, conversations with strangers, strawberry shortcake, good and bad karma, foreign visitors, visits with foreigners, movie script ideas, and lots and lots of beer. Issue #8 was assembled in the dog days of a hot summer, with essays involving award-winning authors, capital cities, unhappy gamblers, excruciating meetings, victory laps, reunited roommates, science fictional road trips, human pinball machines, acrylic rockets, ocean views, famous astronauts, eye-glazing viewgraphs, malevolent-looking handguns, unusual culinary delicacies, aggressive salesladies, popular tourist attractions, good beer, favorite destinations, and absent friends. Issue #9 pays homage to some of the famous #9s of the world, and has essays involving large and small Chinatowns, magnificent cathedrals, unusual wedding strategies, new kinds of metrics, expert craftsmanship, large sports trophies, tardy commuter buses, hotel lobbies, small fanzines, long road trips, un-dark skies, expensive food, cool breezes, spectacular views, scale models, tourist attractions, dangerous places, good beer, and many, many absent friends. Issue #10 is an achievement and adventure-themed issue, with essays involving spectacular mountains, healing waters, elderly singers, good appetites, signature images, luncheon seminars, climate models, Washington moments, traumatic events, insect invasions, speeding spaceships, site selections, wedding processions, mistaken identities, wild onions, distinctive buildings, planetarium shows, wobbly tables, and ruminant curses. Issue #11 is another travel-themed issue, with essays involving oversized pecans, English philosophers, larger-than-life sports trophies, glass pyramids, pain medications, large and small watercraft, total immersion tours, successful marketing strategies, property taxes, strange legacies, failed revolutions, architectural makeovers, famous sculptures, iconic poses, great musicians, entertaining theatre productions, porcelain automatons, film crews, literary researchers, and some unseasonably warm winter weather. Issue #12 is a late summer issue influenced by the 2014 NASFiC, Detcon 1, with essays involving memorial plaques, painted guitars, aspiring musicians, swarming bats, presidential encounters, giant pecans, boat tours, sporting event recreations, scholarly researchers, dance music, friendly docents, unfinished projects, famous domiciles, violin concertos, protest songs, spectacular meltdowns, car breakdowns, signature images, wild daisies, ancient tombs, city walks, excessive gratuity charges, friends who are instigators, Viagra gelato, and some really good barbecue. Issue #13 is not at all concerned with triskaidekaphobia and has essays involving long airport layovers, hexagonal pavilions, Korean food, hi-tech toilets, mountain tunnels, picture postcards, ragtime music, group dinners, old photographs, interplanetary missions, government mindsets, space movies, big windstorms, slippery slopes, jazz orchestras, art museums, buried treasure, micro universes, famous actors, and some very cold winter weather. Issue #14 is a not-quite-ready-for retirement issue, and includes essays involving Norwegian humor, road trips, dinner expeditions, building restoration, coastal waters, mossy trees, spectacular vistas, famous composers, fresco murals, giant fists, famous churches, draconian choices, intimidating views, large ships, baseball stadiums, small superheros, inaccurate road maps, fanzine covers, fannish legends, and lots of old friends. Issue #15 is an end of the year collection of articles and essays about the end of the year (more or less), and includes essays involving good and bad karma, historic homes, scary tumbles, snowy driving conditions, Broadway celebs, avant-garde art exhibitions, wizened self-portraits, independent bookstores, famous operas, literary war jokes, prescient predictions, unreliable cars, chess tourneys, lost passports, long bus trips, crisis management, large power plants, small souvenirs, entertaining rants, various kinds of statues, and many, many mute swans. Issue #16 pays homage to some of the famous #16s of the world, and has essays involving desert sunrises, tall buildings, double rainbows, famous songwriters, entertaining sound bites, long climbs, retro TV shows, esoteric collectibles, underground tours, community fairs, movie props, exquisite guitars, cartoon anvils, state capitols, climate zones, public art displays, affordable real estate, long business meetings, digitized fanzines, hazy skies, ornate hotels, and scenic views. Issue #17 is a year-end collection that starts with a long and at times strange journey, and includes essays involving teetering glass display cases, sweaty dinner expeditions, accusations of spying, protected sanctuaries, icy traverses, well-attired mountain climbs, earthquake epicenters, frigid hitchhikes, altitude-challenged terrain, river confluences, photography challenges, clear skies, city park pow-wows, employment outsourcing, focal-point fanzines, woodland views from on high, Viennese composers, good and bad winter weather, entertaining musicals, minimalist paintings, subway mosaics, and the New York City street grid. This issue also, for the first time in the run, includes a previously unpublished essay.. |
Last revised: 10 December, 2016
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Logan Smith - Thank You Lord for Your Blessings [Live]
- 2013 9 Dec
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Logan Smith - Thank You Lord for Your Blessings Live Performance!!
Crosswalk.com aims to offer the most compelling biblically-based content to Christians on their walk with Jesus. Crosswalk.com is your online destination for all areas of Christian Living – faith, family, fun, and community. Each category is further divided into areas important to you and your Christian faith including Bible study, daily devotions, marriage, parenting, movie reviews, music, news, and more.


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A behind-the-scenes look at couple Juan Carlos Copes and María Nieves Rego, who are considered the Fred and Ginger of Argentinian tango. Over the course of the film, they reminisce about their complicated history of the past several decades.
Juan and Maria starred in the hit Broadway show Tango Argentino and other travelling performances, hoping to bring their country's signature dance to the masses. However, off stage, they had a tumultuous relationship, which is explored through interviews with the couple, now in their eighties, and with others.
Director: | German Kral |
Studio: | Wide House |
Producer(s): | Dieter Horres, German Kral, Nils Dünker |
Writer(s): | German Kral |


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Active Tags
Click tags to the right to narrow your search. Unclick tags to remove.
Florida Adventure Ch. 02
— On my trip to Florida I meet up with my little cum slut.Coffee Time with Kinky
— A sexcapade between a woman in her 30's and her nieghbor, 70.Open Relationship Ch. 01
— Anal at a house party with a sexy babe.Teacher's Sex Pet - Plus One
— Why have one student when you can have two?Please, separate your tags with comma: anal orgasm, oral sex.
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With the World Cup just around the corner and business association gunmen in Rio lining up street urchins to dump into the rivers, you can bet part time models are going to be wearing lots of soccer jerseys in public. It's how girls who date for a living throw down their colors. This chick seems to be going strong for Argentina. It could be her pride for the boys of the Rio de la Plata. Or it could be she's a walking semaphore for the drug cartels offloading their submarine full of cocaine into the skiffs off the coast of Miami. I haven't had a date in long enough that I'd pretend to be supportive of her role in either option.
Photo Credit: Splash [gallery ids="1739482,1739473,1739474,1739475,1739476,1739477,1739478,1739479,1739480,1739481"]


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Greek Sun Holidays
Established 1964
Price Guide
from £999to £1190
Prices shown are per person based on two persons sharing one standard room with breakfast including all flights, transfers and ferry tickets.
Other island hopping holidays to
The Eastern Aegean
call us:01732 740 317
Map Controls
Enquire NowEastern Aegean 7 nights Superior
Although not one of the largest archipelagos, the Eastern Aegean islands have much to offer, not least, greener landscapes than most Greek islands with scenery to match. Samos has access to some amazing sites, in particular the neighbouring island of Patmos, steeped in Christian history and Ephesus on the Turkish mainland. Both tiny Fourni and lush Ikaria remain untainted by the inexorable advance of the tourist seeking home from home.
This mix will probably suit the island hopper seeking the most diversity from their travel amongst the unspoilt Greek islands.
Day 1
Island: Ikaria
Accommodation: Erofili Beach Hotel - Ikaria
Fly to Ikaria via Athens for a stay of 4 nights at the Erofili Beach Hotel including breakfast
Day 5
Island: Fourni
Accommodation: Archipelagos Hotel - Fourni
By ferry to Fourni (1 hr) for a stay of 3 nights at the Archipelagos Hotel including breakfast
Day 8
By ferry to Ikaria (1 hr) and flight home from Ikaria via Athens


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The purpose of Abundant Life Christian School and Learning Center Website is to provide a sound academic education, integrated with a Christian view of God and the world within a warm, caring environment. Our emphasis is on providing a basic Christian philosophy of, and approach to life. It is our hope that this site helps provide an overview of our learning community and environment.
~ Kristen Jones, Principal
K-8 School
The purpose of Abundant Life Christian School is to develop young men and women who value learning and who will utilize their intellect, talent and abilities to benefit their communities, heeding…
Learn more about K-8 School.
Learning Center
Mr. Fred Rogers once said, "Play is often talked about as if it were a relief from serious learning. But for children, play is serious learning. At various times, play is a way to cope with life and to prepare for…
Learn more about the Learning Center.
Documents & Resources
Below you can find helpful and important documents that you can download and print along with links to ALCS portals like, Boks, Renweb and many more…
View our Document & Resources.


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Contact us: firstname.lastname@example.com
Telecommunications are at the heart of modern life. Most businesses would grind to a halt and individuals would be out of touch in their daily lives without reliable telecommunications.
GAC is at the heart of the telecommunications market. Whether providing value added services to retail products, or project management services of major service infrastructure in remote locations, GAC has the skills to manage the process.


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Détails bibliographiques
Titre : THE DREAM DETECTIVE: BEING SOME ACCOUNT OF ...
Éditeur : Doubleday, Page & Company, Garden City
Date d'édition : 1925
Reliure : Hardcover
Edition : 1st Edition
Octavo, pp. [1-10] 1-309 [310-312: blank] [note: title leaf is a tipped in singleton; last leaf is a blank], title printed in orange and black, original red cloth, front and spine panels stamped in gold. First U.S. and first expanded edition. This edition adds one story ("The Chord in G") to the collection first published by Jarrolds in 1920. It features the occult detective Moris Klaw, who reads minds by sleeping at the scene of the crime. "The Moris Klaw stories are cleverly plotted and crisply told, and they have dated very little over they have dated very little over the years. Klaw himself is a fascinating creation. The book has been reprinted several times, most recently in 1977, but deserves to be more widely known." - Pronzini and Muller, 1001 Midnights, pp. 691-2. Bleiler, The Guide to Supernatural Fiction 1407. Clute and Grant (eds), The Encyclopedia of Fantasy, p. 819. Hubin (1994), p. 695. Queen's Quorum 64. Bleiler (1978), p. 192. Reginald 12372. Gold lettering on spine panel tarnished, else a bright, clean, very good copy. (#152691). N° de réf. du libraire 152691
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The Startup Awards are upon us. The night is coming and we are immensely looking forward to celebrating the best that British business has to offer. We are fortunate enough to be involved with the event the features a range of innovative companies run by people who keep the pulse of business beating fervently. Everyone is excited and they are all looking to show what they are made of. Continue reading
Tag Archives: young entrepreneur of the year
Startups Awards – Celebrating the best in British business with MadeSimple
The Startup Awards are taking place on November 27th and MadeSimple are proud to sponsor the Young Entrepreneur of the Year award, in an event that saw over 500,000 entries from British startups this year. Continue reading


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By Marketwired . | Article Rating: |
January 9, 2013 06:48 PM EST | Reads: |
341 |
NEW YORK, NY -- (Marketwire) -- 01/09/13 -- Levi & Korsinsky announces that a class action lawsuit has been commenced in the United States District Court for the Southern District of New York on behalf of investors who purchased SinoHub, Inc. ("SinoHub" or the "Company") (PINKSHEETS: SIHI) stock between May 17, 2010 and August 21, 2012.
For more information, click here: http://zlk.9nl.com/sinohub-sihi/.
The complaint alleges that SinoHub and certain of its officers and directors issued materially false and misleading financial information. Furthermore, it is alleged that SinoHub concealed the fact that its internal controls over financial reporting were ineffective. In a September 19, 2012 press release, it was announced that SinoHub's auditors resigned citing potentially inaccurate financial data, as did several members of its Board of Directors.
If you suffered a loss in SinoHub you have until January 21, 2013 to request that the Court appoint you as lead plaintiff. Your ability to share in any recovery doesn't require that you serve as a lead plaintiff. To obtain additional information, contact Joseph E. Levi, Esq. either via email at [email protected] or by telephone at (877) 363-5972, or visit http://zlk.9nl.com/sinohub-sihi/.
Levi & Korsinsky is a national firm with offices in New York and Washington D.C. The firm has extensive expertise in prosecuting securities litigation involving financial fraud, representing investors throughout the nation in securities and shareholder lawsuits. Attorney advertising. Prior results do not guarantee similar outcomes.
Levi & Korsinsky, LLP
Joseph Levi, Esq.
Eduard Korsinsky, Esq.
30 Broad Street - 24th Floor
New York, NY 10004
Tel: (212) 363-7500
Toll Free: (877) 363-5972
Fax: (866) 367-6510
Published January 9, 2013 Reads 341
Copyright © 2013 SYS-CON Media, Inc. — All Rights Reserved.
Syndicated stories and blog feeds, all rights reserved by the author.
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Copyright © 2009 Marketwired. All rights reserved. All the news releases provided by Marketwired are copyrighted. Any forms of copying other than an individual user's personal reference without express written permission is prohibited. Further distribution of these materials is strictly forbidden, including but not limited to, posting, emailing, faxing, archiving in a public database, redistributing via a computer network or in a printed form.
SYS-CON Events announced today that SoftLayer, an IBM Company, has been named "Gold Sponsor" of SYS-CON's 18th Cloud Expo, which will take place on June 7-9, 2016, at the Javits Center in New York, New York. SoftLayer, an IBM Company, provides cloud infrastructure as a service from a growing number of data centers and network points of presence around the world. SoftLayer's customers range from Web startups to global enterprises. Mar. 25, 2017 11:15 AM EDT Reads: 1,410 |
By Liz McMillan Interoute has announced the integration of its Global Cloud Infrastructure platform with Rancher Labs' container management platform, Rancher. This approach enables enterprises to accelerate their digital transformation and infrastructure investments. Matthew Finnie, Interoute CTO commented "Enterprises developing and building apps in the cloud and those on a path to Digital Transformation need Digital ICT Infrastructure that allows them to build, test and deploy faster than ever before. The int... Mar. 25, 2017 11:15 AM EDT Reads: 679 |
By Liz McMillan SYS-CON Events announced today that CrowdReviews.com has been named "Media Sponsor" of SYS-CON's 20th International Cloud Expo, which will take place on June 6–8, 2017, at the Javits Center in New York City, NY. CrowdReviews.com is a transparent online platform for determining which products and services are the best based on the opinion of the crowd. The crowd consists of Internet users that have experienced products and services first-hand and have an interest in letting other potential buyers... Mar. 25, 2017 11:00 AM EDT Reads: 3,433 |
By Liz McMillan SYS-CON Events announced today that T-Mobile will exhibit at SYS-CON's 20th International Cloud Expo®, which will take place on June 6-8, 2017, at the Javits Center in New York City, NY. As America's Un-carrier, T-Mobile US, Inc., is redefining the way consumers and businesses buy wireless services through leading product and service innovation. The Company's advanced nationwide 4G LTE network delivers outstanding wireless experiences to 67.4 million customers who are unwilling to compromise on ... Mar. 25, 2017 10:45 AM EDT Reads: 1,986 |
By Elizabeth White @DevOpsSummit has been named the 'Top DevOps Influencer' by iTrend.
iTrend processes millions of conversations, tweets, interactions, news articles, press releases, blog posts - and extract meaning form them and analyzes mobile and desktop software platforms used to communicate, various metadata (such as geo location), and automation tools.
In overall placement, @DevOpsSummit ranked as the number one 'DevOps Influencer' followed by @CloudExpo at third, and @MicroservicesE at 24th. Mar. 25, 2017 10:30 AM EDT Reads: 10,162 |
By Liz McMillan Virtualization over the past years has become a key strategy for IT to acquire multi-tenancy, increase utilization, develop elasticity and improve security. And virtual machines (VMs) are quickly becoming a main vehicle for developing and deploying applications. The introduction of containers seems to be bringing another and perhaps overlapped solution for achieving the same above-mentioned benefits. Are a container and a virtual machine fundamentally the same or different? And how? Is one techn... Mar. 25, 2017 10:15 AM EDT Reads: 2,820 |
By Liz McMillan SYS-CON Events announced today that Infranics will exhibit at SYS-CON's 20th International Cloud Expo®, which will take place on June 6-8, 2017, at the Javits Center in New York City, NY. Since 2000, Infranics has developed SysMaster Suite, which is required for the stable and efficient management of ICT infrastructure. The ICT management solution developed and provided by Infranics continues to add intelligence to the ICT infrastructure through the IMC (Infra Management Cycle) based on mathemat... Mar. 25, 2017 10:00 AM EDT Reads: 2,828 |
By Elizabeth White Have you ever noticed how some IT people seem to lead successful, rewarding, and satisfying lives and careers, while others struggle? IT author and speaker Don Crawley uncovered the five principles that successful IT people use to build satisfying lives and careers and he shares them in this fast-paced, thought-provoking webinar. You'll learn the importance of striking a balance with technical skills and people skills, challenge your pre-existing ideas about IT customer service, and gain new in... Mar. 25, 2017 09:15 AM EDT Reads: 2,363 |
By Liz McMillan SYS-CON Events announced today that SD Times | BZ Media has been named "Media Sponsor" of SYS-CON's 20th International Cloud Expo, which will take place on June 6–8, 2017, at the Javits Center in New York City, NY. BZ Media LLC is a high-tech media company that produces technical conferences and expositions, and publishes a magazine, newsletters and websites in the software development, SharePoint, mobile development and commercial UAV markets. Mar. 25, 2017 09:15 AM EDT Reads: 4,114 |
By Elizabeth White SYS-CON Events announced today that Telecom Reseller has been named "Media Sponsor" of SYS-CON's 20th International Cloud Expo, which will take place on June 6–8, 2017, at the Javits Center in New York City, NY.
Telecom Reseller reports on Unified Communications, UCaaS, BPaaS for enterprise and SMBs. They report extensively on both customer premises based solutions such as IP-PBX as well as cloud based and hosted platforms. Mar. 25, 2017 08:30 AM EDT Reads: 1,949 |
By Liz McMillan SYS-CON Events announced today that Cloudistics, an on-premises cloud computing company, has been named "Bronze Sponsor" of SYS-CON's 20th International Cloud Expo®, which will take place on June 6-8, 2017, at the Javits Center in New York City, NY.
Cloudistics delivers a complete public cloud experience with composable on-premises infrastructures to medium and large enterprises. Its software-defined technology natively converges network, storage, compute, virtualization, and management into a ... Mar. 25, 2017 08:00 AM EDT Reads: 1,744 |
By Liz McMillan In his keynote at @ThingsExpo, Chris Matthieu, Director of IoT Engineering at Citrix and co-founder and CTO of Octoblu, focused on building an IoT platform and company. He provided a behind-the-scenes look at Octoblu's platform, business, and pivots along the way (including the Citrix acquisition of Octoblu). Mar. 25, 2017 08:00 AM EDT Reads: 13,927 |
By Elizabeth White SYS-CON Events announced today that Juniper Networks (NYSE: JNPR), an industry leader in automated, scalable and secure networks, will exhibit at SYS-CON's 20th International Cloud Expo®, which will take place on June 6-8, 2017, at the Javits Center in New York City, NY.
Juniper Networks challenges the status quo with products, solutions and services that transform the economics of networking. The company co-innovates with customers and partners to deliver automated, scalable and secure network... Mar. 25, 2017 08:00 AM EDT Reads: 1,170 |
By Yeshim Deniz "I think that everyone recognizes that for IoT to really realize its full potential and value that it is about creating ecosystems and marketplaces and that no single vendor is able to support what is required," explained Esmeralda Swartz, VP, Marketing Enterprise and Cloud at Ericsson, in this SYS-CON.tv interview at @ThingsExpo, held June 7-9, 2016, at the Javits Center in New York City, NY. Mar. 25, 2017 08:00 AM EDT Reads: 4,010 |
By Elizabeth White Historically, some banking activities such as trading have been relying heavily on analytics and cutting edge algorithmic tools. The coming of age of powerful data analytics solutions combined with the development of intelligent algorithms have created new opportunities for financial institutions. In his session at 20th Cloud Expo, Sebastien Meunier, Head of Digital for North America at Chappuis Halder & Co., will discuss how these tools can be leveraged to develop a lasting competitive advanta... Mar. 25, 2017 07:45 AM EDT Reads: 2,581 |


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Final: Hawks 91, Lakers 86
LOS ANGELES – After their coach accused them of being "selfish" and overlooking the woeful New York Knicks in their previous home appearance, one could only wonder how the Los Angeles Lakers might approach a team resting three of its starters.
On Sunday, they seemed to take their opponent seriously.
Only against an Atlanta Hawks team that has been virtually unbeatable over the last four months, it wasn't enough. The Lakers lost 87-83, despite cutting a 16-point deficit to two points in the final minute.
The Hawks rested All-Stars Paul Millsap and Jeff Teague, small forward DeMarre Carroll and lost Kyle Korver to a broken nose in the second quarter.
The Lakers (17-48) have lost seven of their last eight games and they maintained their grip on the league's fourth worst record – a figure that matters when it comes to keeping their draft pick this season.
The Hawks (52-14) entered the Sunday's contest with the Eastern Conference's best record, despite losing to the Lakers on Nov. 18. Entering that game the Lakers had lost nine of 10 games to start the season.
Since then, Atlanta has lost only nine times in 56 games.
The Lakers trailed 68-58 entering the fourth quarter, and saw that lead grow to 16 before a late rally that was capped by a 3-pointer by Wesley Johnson with 30.1 seconds left.
Johnson's basket pulled the Lakers within two, 85-83, but the Hawks responded with a layup by Dennis Schroder, and Johnson missed badly on the Lakers next possession.
Carlos Boozer and Ryan Kelly each scored 13 points off the bench to lead the Lakers, while rookie Jordan Clarkson chipped in 10 points, eight rebounds and six assists before fouling out after 31 minutes.
Fill in point guard Dennis Schroder's 24 points led the Hawks, while Al Horford scored 21. Former Laker Kent Bazemore scored 13 points and added nine rebounds.
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Mortgage Glossary
Acceleration The right of the mortgagee (lender) to demand the immediate repayment of the mortgage loan balance upon the default of the mortgagor (borrower), or by using the right vested in the Due-on-Sale Clause.
Adjustable Rate Mortgage (ARM) Is a mortgage in which the interest rate is adjusted periodically based on a preselected index. Also sometimes known as the re-negotiable rate mortgage, the variable rate mortgage or the Canadian rollover mortgage.
Adjustment Interval On an adjustable rate mortgage, the time between changes in the interest rate and/or monthly payment, typically one, three or five years, depending on the index.
Amortization A repayment method in which the amount you borrow is repaid gradually though regular monthly payments of principal and interest. During the first few years, most of each payment is applied toward the interest owed. During the final years of the loan, payment amounts are applied almost exclusively to the remaining principal.
Amortization Term The amount of time required to amortize the loan. The amortization term is expressed as a number of months. For example, for a 15-year fixed-rate mortgage, the amortization term is 180 months.
Annual Percentage Rate (APR) Is a interest rate reflecting the cost of a mortgage as a yearly rate. This rate is likely to be higher than the stated note rate or advertised rate on the mortgage, because it takes into account point and other credit cost. The APR allows home buyers to compare different types of mortgages based on the annual cost for each loan.
Application Fee Fees that are paid upon application. An application fee may frequently include charges for property appraisal ($200-$400) and a credit report ($30-50).
Appraisal An estimate of the value of property, made by a qualified professional called an appraiser.
Appraisal Report A written report by an appraiser containing an opinion as to the value of a property and the reasoning leading to that opinion.
Assessment A local tax levied against a property for a specific purpose, such as a sewer or street lights.
Assumption The agreement between buyer and seller where the buyer takes over the payments on an existing mortgage from the seller. Assuming a loan can usually save the buyer money since this is an existing mortgage debt, unlike a new mortgage where closing cost and new, probably higher, market-rate interest charges will apply.
Balloon Payment A lump sum payment for the unpaid balance of the loan.
Blanket Mortgage A mortgage covering at least two pieces of real estate as security for the same mortgage.
Borrower (Mortgagor) One who applies for and receives a loan in the form of a mortgage with the intention of repaying the loan in full.
Broker An individual in the business of assisting in arranging funding or negotiating contracts for a client buy who does not loan the money himself. Brokers usually charge a fee or receive a commission for their services.
Buy-down When the lender and/or the home builder subsidized the mortgage by lowering the interest rate during the first few years of the loan. While the payments are initially low, they will increase when the subsidy expires.
Caps (interest) Consumer safeguards which limit the amount the interest rate on an adjustable rate mortgage may change per year and/or the life of the loan.
Caps (payment) Consumer safeguards which limit the amount monthly payments on an adjustable rate mortgage may change.
Cash Flow The amount of cash derived over a certain period of time from an income-producing property. The cash flow should be large enough to pay the expenses of the income producing property (mortgage payment, maintenance, utilities, etc).
Cash Out Receiving money back when refinancing your present mortgage.
Ceiling The maximum allowable interest rate over the life of the loan of an adjustable rate mortgage.
Certificate of Eligibility The document given to qualified veterans which entitles them to VA guaranteed loans for homes, business, and mobile homes. Certificates of eligibility may be obtained by sending DD-214 (Separation Paper) to the local VA office with VA form 1880 (request for Certificate of Eligibility).
Certificate of Reasonable Value (CRV) An appraisal issued by the Veterans Administration showing the property's current market value.
Certificate of Title A statement provided by an abstract company, title company, or attorney stating that the title of real estate is legally held by the current owner.
Certificate of Veteran Status The document given to veterans or reservists who have served 90 days of continuous active duty (including training time) It may be obtained by sending DD 214 to the local VA office with form 26-8261a (request for certificate of veteran status). This document enables veterans to obtain lower down payments on certain FHA insured loans.
Closing The time and place at which all documents for your loan are signed, dated and notarized.
Closing Costs Any fees paid by the borrowers or sellers during the closing of the mortgage loan. This normally includes an origination fee, discount points, attorney's fees, title insurance, survey, and any items which must be prepaid, such as taxes and insurance escrow payments.
Collateral An asset that guarantees the repayment of a loan. The borrower risks losing the asset if the loan is not repaid according to the terms of the loan contract.
Combined Loan to Value (CLTV) Combined Loan-to-Value (CLTV) The relationship between the unpaid principal balances of all the mortgages on a property (first and second usually) and the property's appraised value (or sales price, if it is lower).
Commitment A promise by a lender to make a loan on specific terms or conditions to a borrower or builder. A promise by an investor to purchase mortgages from a lender with specific terms or conditions. An agreement, often in writing, between a lender and a borrower to loan money at a future date subject to the completion of paper work or compliance with stated conditions.
Construction Loan A short term interim loan to pay for the construction of buildings or homes. These are usually designed to provide periodic disbursements to the builder as he progresses.
Contract Sale or Deed Contract between purchaser and a seller of real estate to convey title after certain conditions have been met. It is a form of installment sale.
Conventional Loan A mortgage not insured by FHA or guaranteed by the VA.
Credit History A record of an individual's open and fully repaid debts. A credit history helps a lender to determine whether a potential borrower has a history of repaying debts in a timely manner.
Credit Limit The maximum amount that you can borrow under a home equity plan.
Credit Report A report of an individual's credit history prepared by a credit bureau and used by a lender in determining a loan applicant's creditworthiness.
Credit Repository An organization that gathers, records, updates, and stores financial and public records information about the payment records of individuals who are being considered for credit.
Debt Amount owed to another.
Debt Service The total amount of credit card, auto, mortgage or other debt upon which you must pay.
Debt-to-Income Ratio The ratio, expressed as a percentage, which results when a borrower's monthly payment obligation on long-term debts is divided by his or her gross monthly income.
Deed of Trust Used in many western states, the agreement used to pledge your home or other real estate as security for a loan. Similar to a mortgage.
Default Failure to make mortgage payments on a timely basis or to comply with other requirements of a mortgage.
Deferred interest When a mortgage is written with a monthly payment that is less than required to satisfy the note rate, the unpaid interest is deferred by adding it to the loan balance. See negative amortization.
Delinquency Failure to make mortgage payments when mortgage payments are due.
Department of Veterans Affairs (VA) An independent agency of the federal government which guarantees long-term, low-or no-down payment mortgages to eligible veterans.
Discount Points (or Points) The amount paid either to maintain or lower the interest rate charged. Each point is equal to one percent (1%) of the loan amount (i.e., two points on a $100,000 mortgage would equal $2,000).
Down Payment The difference between the purchase price and that portion of the purchase price being financed. Most lenders require the down payment to be paid from the buyer's own funds. Gifts from related parties are sometimes acceptable, and must be disclosed to the lender.
Due on Sale Clause A clause in a mortgage agreement providing that, if the mortgagor (the borrower) sells, transfers, or, in some instances, encumbers the property, the mortgagee (the lender) has the right to demand the outstanding balance in full.
Earnest Money Money given by a buyer to a seller as part of the purchase price to bind a transaction or assure payment.
Effective Interest Rate The cost of credit on a yearly basis expressed as a percentage. Includes up-front costs paid to obtain the loan, and is, therefore, usually a higher amount than the interest rate stipulated in the mortgage note. Useful in comparing loan programs with different rates and points.
Encumbrance A claim against a property by another party which usually affects the ability to transfer ownership of the property.
Entitlement The VA home loan benefit is called entitlement. Entitlement for a VA guaranteed home loan. This is also known as eligibility.
Equal Credit Opportunity Act (ECOA) A federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status, or receipt of income from public assistance programs.
Equity The difference between the fair market value (appraised value) of your home and your outstanding mortgage balance.
Escrow An account held by the lender into which the home buyer pays money for tax or insurance payments. Also earnest deposits held pending loan closing.
Fair Credit Reporting Act A consumer protection law that regulates the disclosure of consumer credit reports by consumer/credit reporting agencies and establishes procedures for correcting mistakes on one's credit record.
Farmers Home Administration (FmHA) Provides financing to farmers and other qualified borrowers who are unable to obtain loans elsewhere.
Federal Home Loan Mortgage Corporation (FHLMC), Freddie Mac Is a quasi-governmental agency that purchases conventional mortgage from insured depository institutions and HUD-approved mortgage bankers.
Federal Housing Administration (FHA) A division of the Department of Housing and Urban Development. Its main activity is the insuring of residential mortgage loans made by private lenders. FHA also sets standards for underwriting mortgages.
Federal National Mortgage Association (FNMA), Fannie Mae A tax-paying corporation created by Congress that purchases and sells conventional residential mortgages as well as those insured by FHA or guaranteed by VA. This institution, which provides funds for one in seven mortgages, makes mortgage money more available and more affordable.
FHA Loan A loan insured by the Federal Housing Administration open to all qualified home purchasers. While there are limits to the size of FHA loans ($155,250 as of 1/1/96), they are generous enough to handle moderately-priced homes almost anywhere in the country.
FHA mortgage insurance Requires a fee (up to 2.25 percent of the loan amount) paid at closing to insure the loan with FHA. In addition, FHA mortgage insurance requires an annual fee of up to 0.5 percent of the current loan amount, paid in monthly installments. The lower the down payment, the more years the fee must be paid.
FHLMC The Federal Home Loan Mortgage Corporation provides a secondary market for savings and loans by purchasing their conventional loans. Also known as Freddie Mac.
FICO score A FICO score is a credit score developed by Fair Isaac & Co. Credit scoring is a method of determining the likelihood that credit users will pay their bills. Scoring has become widely accepted by lenders as a reliable means of credit evaluation. A credit score attempts to condense a borrowers credit history into a single number.
First Mortgage A mortgage which is in first lien position, taking priority over all other liens (which are financial encumbrances).
Fixed Rate Mortgage An interest rate which is fixed for the term of the loan. Payments as well are fixed at one amount.
Flood Insurance Insurance that compensates for physical property damage resulting from flooding. It is required for properties located in federally designated flood areas.
FNMA The Federal National Mortgage Association is a secondary mortgage institution which is the largest single holder of home mortgages in the United States. FNMA buys VA, FHA, and conventional mortgages from primary lenders. Also known as Fannie Mae.
Foreclosure A legal process by which the lender or the seller forces a sale of a mortgaged property because the borrower has not met the terms of the mortgage. Also known as a repossession of property.
Good Faith Estimate A written estimate of closing costs which a lender must provide you within three days of submitting an application.
Grace Period A period of time during which a loan payment may be paid after its due date but not incur a late penalty. Such late payments may be reported on your credit report.
Graduated Payment Mortgage (GPM) A type of flexible-payment mortgage where the payments increase for a specified period of time and then level off. This type of mortgage has negative amortization built into it.
Gross Income For qualifying purposes, the income of the borrower before taxes or expenses are deducted.
Hazard Insurance A contract between purchaser and an insurer, to compensate the insured for loss of property due to hazards (fire, hail damage, etc.), for a premium.
Home Equity Line of Credit A loan providing you with the ability to borrow funds at the time and in the amount you choose, up to a maximum credit limit for which you have qualified. Repayment is secured by the equity in your home. Simple interest (interest-only payments on the outstanding balance) is usually tax-deductible. Often used for home improvements, major purchases or expenses, and debt consolidation.
Home Equity Loan A fixed or adjustable rate loan obtained for a variety of purposes, secured by the equity in your home. Interest paid is usually tax -deductible. Often used for home improvement or freeing of equity for investment in other real estate or investment. Recommended by many to replace or substitute for consumer loans whose interest is not tax-deductible, such as auto or boat loans, credit card debt, medical debt, and education loans.
Housing Expenses-to-Income Ratio The ratio, expressed as a percentage, which results when a borrower's housing expenses are divided by his/her gross monthly income. See debt-to-income ratio.
HUD I Settlement Statement A form utilized at loan closing to itemize the costs associated with purchasing the home. Used universally by mandate of HUD, the Department of Housing and Urban Development.
Impound That portion of a borrower's monthly payments held by the lender or servicer to pay for taxes, hazard insurance, mortgage insurance, lease payments, and other items as they become due. Also known as reserves.
Index A number, usually a percentage, upon which future interest rates for adjustable rate mortgages are based. Common indexes include the Cost of Funds for the Eleventh Federal District of banks or the average rate of a one year Government Treasury Security.
Interest Rate The periodic charge, expressed as a percentage, for use of credit.
Interim Financing A construction loan made during completion of a building or a project. A permanent loan usually replaces this loan after completion.
Investor A money source for a lender.
Jumbo Loan A loan which is larger (more than $214,600 as of 1/1/97) than the limits set by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. Because jumbo loans cannot be funded by these two agencies, they usually carry a higher interest rate.
Lender The bank, mortgage company, or mortgage broker offering the loan.
Lien The right to take and hold or sell the property of a debtor as a security or payment for a debt.
Loan-to-Value Ratio The relationship between the amount of the mortgage loan and the appraised value of the property expressed as a percentage.
Margin An amount, usually a percentage, which is added to the index to determine the interest rate for adjustable rate mortgages.
Market Value The highest price that a buyer would pay and the lowest price a seller would accept on a property. Market value may be different from the price a property could actually be sold for at a given time.
Minimum Payment The minimum amount that you must pay, usually monthly, on a home equity loan or line of credit. In some plans, the minimum payment may be "interest only," (simple interest). In other plans, the minimum payment may include principal and interest (amortized).
MIP (Mortgage Insurance Premium) It is insurance from FHA to the lender against incurring a loss on account of the borrower's default.
Mortgage A legal document that pledges to the lender as security for payment of a debt.
Mortgage Insurance Money paid to insure the mortgage when the down payment is less than 20 percent. See private mortgage insurance, FHA mortgage insurance.
Mortgage Loan A loan which utilizes real estate as security or collateral to provide for repayment should you default on the terms of your loan. The mortgage or Deed of Trust is your agreement to pledge your home or other real estate as security.
Mortgagee The lender in a mortgage loan transaction.
Mortgagor The borrower in a mortgage loan transaction.
Negative Amortization Occurs when your monthly payments are not large enough to pay all the interest due on the loan. This unpaid interest is added to the unpaid balance of the loan. The danger of negative amortization is that the home buyer ends up owing more than the original amount of the loan.
Net Effective Income The borrower's gross income minus federal income tax.
Non Assumption Clause A statement in a mortgage contract forbidding the assumption of the mortgage without the prior approval of the lender. Note: The signed obligation to pay a debt, as a mortgage note.
Note A written agreement containing a promise of the signer to pay to a named person, or order, or bearer, a definite sum of money at a specified date or on demand.
Office of Thrift Supervision (OTS) The regulatory and supervisory agency for federally chartered savings institutions. Formally known as Federal Home Loan Bank Board.
Origination Fee The fee charged by a lender to prepare loan documents, make credit checks, inspect and sometimes appraise a property; usually computed as a percentage of the face value of the loan.
Permanent Loan A long term mortgage, usually ten years or more. Also called an end loan.
PITI Principal, interest, taxes and insurance, which comprise your monthly mortgage payment.
Power of Attorney A legal document authorizing one person to act on behalf of another.
Prepaid Expenses Necessary to create an escrow account or to adjust the seller's existing escrow account. Can include taxes, hazard insurance, private mortgage insurance and special assessments.
Prepayment A privilege in a mortgage permitting the borrower to make payments in advance of their due date.
Prepayment Penalty Money charged for an early repayment of debt. Prepayment penalties are allowed in some form (but not necessarily imposed) in many states.
Primary Mortgage Market Lenders making mortgage loans directly to borrower's such as savings and loan associations, commercial banks, and mortgage companies. These lenders sometimes sell their mortgages into the secondary mortgage markets such as to FNMA or GNMA, etc.
Principal The amount of debt, not counting interest, left on a loan.
Private Mortgage Insurance (PMI) In the event that you do not have a 20 percent down payment, lenders will allow a smaller down payment - as low as 5 percent in some cases. With the smaller down payment loans, however, borrowers are usually required to carry private mortgage insurance. Private mortgage insurance will usually require an initial premium payment and may require an additional monthly fee depending on you loan's structure.
Qualifying Ratios Comparisons of a borrower's debts and gross monthly income.
Rate The annual rate of interest on a loan, expressed as a percentage of 100.
Realtor A real estate broker or an associate holding active membership in a local real estate board affiliated with the National Association of Realtors.
Recision The cancellation of a contract. With respect to mortgage refinancing, the law that gives the homeowner three days to cancel a contract in some cases once it is signed if the transaction uses equity in the home as security.
Recording Fees Money paid to the lender for recording a home sale with the local authorities, thereby making it part of the public records.
Refinance Obtaining a new mortgage loan on a property already owned. Often to replace existing loans on the property.
Renegotiable Rate Mortgage A loan in which the interest rate is adjusted periodically. See adjustable rate mortgage.
RESPA Short for the Real Estate Settlement Procedures Act. RESPA is a federal law that allows consumers to review information on known or estimated settlement cost once after application and once prior to or at a settlement. The law requires lenders to furnish the information after application only.
Reverse Annuity Mortgage (RAM) A form of mortgage in which the lender makes periodic payments to the borrower using the borrower's equity in the home as Satisfaction of Mortgage: The document issued by the mortgagee when the mortgage loan is paid in full. Also called a release of mortgage.
Right to Rescission The legal right to void or cancel your mortgage contract in such a way as to treat the contract as if it never existed. Right of rescission is not applicable to mortgages made to purchase a home, but may be applicable to other mortgages, such as home equity loans.
Second Mortgage A mortgage made subsequent to another mortgage and subordinate to the first one.
Secondary Mortgage Market The place where primary mortgage lenders sell the mortgages they make to obtain more funds to originate more new loans. It provides liquidity for the lenders. Security.
Security Interest An interest that a lender takes in the borrower's property to assure repayment of a debt.
Servicing a Loan The ongoing process of collecting your monthly mortgage payment, including accounting for and payment of your yearly tax and/or homeowners insurance bills.
Shared Appreciation Mortgage (SAM) A mortgage in which a borrower receives a below-market interest rate in return for which the lender (or another investor such as a family member or other partner) receives a portion of the future appreciation in the value of the property. May also apply to mortgage where the borrowers shares the monthly principal and interest payments with another party in exchange for part of the appreciation.
Simple Interest Interest which is computed only on the principle balance.
Survey A measurement of land, prepared by a registered land surveyor, showing the location of the land with reference to know points, its dimensions, and the location and dimensions of any buildings.
Sweat Equity Equity created by a purchaser performing work on a property being purchased.
Title The written evidence that proves the right of ownership of a specific piece of property.
Title Insurance Protection for lenders or homeowners against financial loss resulting from legal defects in the title.
Title Search An investigation into the history of ownership of a property to check for liens, unpaid claims, restrictions or problems, to prove that the seller can transfer free and clear ownership.
Total Debt Ratio Monthly debt and housing payments, divided by gross monthly income, to prove that the seller can transfer free and clear ownership.
Truth-In-Lending Act A federal law requiring a disclosure of credit terms using a standard format. This is intended to facilitate comparisons between the lending terms of different financial institutions.
Two-Step Mortgage A mortgage in which the borrower receives a below-market interest rate for a specified number of years (most often seven or 10), and then receives a new interest rate adjusted (within certain limits) to market conditions at that time. The lender sometimes has the option to call the loan due with 30 days notice at the end of seven or 10 years. Also called Super Seven or Premier mortgage.
Underwriting The process of verifying data and approving a loan.
Usury Interest charged in excess of the legal rate established by law.
VA Mortgage Funding Fee A premium of up to 1-7/8 percent (depending on the size of the down payment) paid on a VA-backed loan. On a $75,000 fixed-rate mortgage with no down payment, this would amount to $1,406 either paid at closing or added to the amount financed.
Variable Rate An interest rate that changes periodically in relation to an index. Payments may increase or decrease accordingly. See Adjustable Rate Mortgages for a complete guide.
Variable Rate Mortgage (VRM) Like adjustable rate mortgage.
Verification of Deposit (VOD) A document signed by the borrower's financial institution verifying the status and balance of his/her financial accounts.
Verification of Employment (VOE) A document signed by the borrower's employer verifying his/her position and salary.
Warehouse Fee Many mortgage firms must borrow funds on a short term basis in order to originate loans which are to be sold later in the secondary mortgage market (or to investors). When the prime rate of interest is higher on short term loans than on mortgage loans, the mortgage firm has an economic loss which is offset by charging a warehouse fee.
Wraparound mortgage Results when an existing assumable loan is combined with a new loan, resulting in an interest rate somewhere between the old rate and the current market rate. The payments are made to a second lender or the previous homeowner, who then forwards the payments to the first lender after taking the additional amount off the top.
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About Business Furniture America
Business Furniture America is a Furniture Store business in Ashton
Our family owned and operated office furniture store has been offering economically responsible solutions to businesses for over 25 years. Our project managers are here to help you find new or gently used furniture, including office chairs, desks, filing cabinets and more! Visit us today!
Monday - Friday: 8:30am - 5:00pm
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Monday - Friday: 8:30am - 5:00pm
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Browse and Order Now Before the Sale Ends!
$ 3,149.99 $ 3,499.00
This ECO1Vet machine was working only 1 hour as a Demo model.
Chison ECO 1Vet is an affordable and high quality hand carried portable ultrasound machine. Light weight with a brilliant image quality. The excellent image quality of Chison ECO 1Vet makes for a very reliable ultrasound diagnosis for pregnancy checking in all kinds of animals. Can be used for sex determination, measurement of follicles, and heat detect of cattle and mares to determine best time for insemination. Very high frequency probe.
Software Packages:
L7S-A Linear (5.3-11.0MHz) | L7M-A Linear (5.3-10.0 MHz) |
MC6-A Micro-Convex (6.0MHz) | MC5V-A Micro-Convex (5.0 MHz) |
C3-A Convex (3.5 MHz) | L7V-A Linear rectal (5.0-10.0 MHz) |
Ovary Of Bovine | Late Pregnancy of Bovine |
Bovine Ovary | Bovine pregnancy |
Early Pregnancy of Bovine | Canine Kidney |
$ 4,399.00 $ 5,499.00
This SonoScape A6V Used model was working 6 months has warranty 18 months
At Keebomed, Inc. we are an exclusive seller of SonoScape A6V for the United States and Canada. It is our best B/W portable ultrasound machine at an affordable price and provides the best deal for large animal exams and mixed practice. Very popular among veterinarians.
Professional veterinary software includes: Canine, Feline, Bovine(cattle), Equine, Ovine. A reliable vet design with a strengthened case, and anti-dust, anti-splash control panel. Easily carried with a built in handle at a weight of about 12lbs. FDA approved for use in USA.
1. SonoScape is a famous brand name ultrasound. Very popular all over the world because it produces excellent image quality that meets the needs of many doctors.
2. The Veterinary Large Animals- Rectal probe (Model # L761V) is unique in many ways and has features that other rectal probes do not have:
$ 4,999.00
Kaixin DCU-12 Vet is the most affordable full digital color doppler system that you can buy. It is easy to use and has excellent image quality. The DCU-12 Vet Ultrasound provides reliable performance, includes an abundance of measurement software. Provides advanced practical clinical solutions for ultrasound diagnosis of cattle, dogs, horses, cats, goats, sheep, and pigs.
Technical parameters:
Operating Mode
Operating System Setup
Main Functions
Image pretreatment
Total gain:0~127 dB
TGC:8 stagesTGC
Power output:25%、50%、75%、100%
Digital channels:32
Image treatment
Frame correlation:0~3
Compression curve:0~7
B Mode Scanning Parameters:
M Mode Scanning Parameters:
CFM Mode, PDI Mode:
PW Mode:
Measurement & calculation
Optional parts
$ 3,999.00
iSonoTouch 20V is an excellent touch pad B/W ultrasound system with a clear image quality. The workflow is very well connected with ease of use, and impressive scanning speed.
B&W mode |
Gray scale |
256 |
Display |
15"LCD monitor |
Transducer frequency |
2-11Mhz |
Digital technology |
Yes |
Wide-angle imaging |
Yes |
Panoramic focusing technology |
Yes |
Rolling M technology |
Yes |
Scanning depth |
220mm |
1 |
Main Unit: KeeboTouch 20V |
1 |
2 |
Rectal Linear Probe |
1 |
3 |
110V~240V AC Power Wire |
1 |
4 |
Basic User's Guide |
1 |
5 |
Packing List |
1 |
1 |
Linear Abdominal |
1 |
2 |
Micro Convex Probe |
1 |
3 |
Convex Probe |
1 |
$ 6,999.00
The ECO 3Vet is a new model of animal scanners from Chison. ECO 3Vet makes the complete workflow better than you can imagine. It is similar in quality and features to the Sonoscape A6V. ECO 3Vet has software for all kinds of animals.
ECO 3Vet gives excellent results in tendon examination and reproduction in equine. Also works in small animal sonography. Two year warranty on ultrasound and probe of choice from KeeboMed Inc.
B mode: distance,circumference,area,volume,ratio,angle,% stenosis, histogram.profile etc.
C3-A Convex | L7V-A Rectal |
L7S-A Linear Array | MC5V-A Micro Convex |
LC6-A Micro Convex | L7M-A |
$ 4,999.00
ECO3Vet makes the complete workflow better than you can imagine. It is similar in quality and features to the Sonoscape A6V. ECO3Vet has software for all kinds of animals.
ECO 3Vet gives excellent results in tendon examination and reproduction in equine. Also works in small animal sonography. Two year warranty on ultrasound and probe of choice from KeeboMed Inc.
B mode: distance,circumference,area,volume,ratio,angle,% stenosis, histogram.profile etc.
C3-A Convex | L7V-A Rectal |
L7S-A Linear Array | MC5V-A Micro Convex |
LC6-A Micro Convex | L7M-A |
$ 9,499.00
The Chison Q5V color doppler animal ultrasound delivers superb quality. Has SRA, THI advanced technologies that provide a better contrast resolution. With professional VET probes and VET software greatly helps veterinarians make an accurate diagnosis. Can use for multiple application in both small and large animals. The Chison Q5V built with a work flow oriented user interface to allow user friendly operation with minimum soft key entries.
Two year warranty on ultrasound and probe. Comes with your selection of probe, included in price.
3.5Mhz Convex D3C60L | 7.5Mhz Linear D7L40L |
6.0Mhz Micro Convex D6C15L | 5.0Mhz Micro Convex D5C20L |
7.5Mhz Linear Rectal D7LD0L |
$ 6,999.00
Chison Eco 5Vet is an excellent color doppler veterinarian ultrasound system. Set to eco-friendly standards for less radiation, lower power consumption and a longer life. User friendly rotatable monitor to tailer your viewing angle, and unique LED screen to reduce eye fatigue.
The ergonomic keyboard is designed for quick and easy access to functions that reduce time. Features an efficient workflow experience with: multi purpose user presets, comprehensive measurement and report system, built in EasyView™ image archive system, quick image storage, retrieve, and transfer, and one button direct print.
Micro Convex Probe MC6-A | Linear Array Probe L7M-A |
Rectal Probe L7V-A | Convex Probe C3-A |
Reproduction PW Mode | Reproduction C Mode |
Canine Liver C Mode | Canine Cardiac C Mode |
Canine Cardiac C Mode | Canine AC C Mode |


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Tried out Aliena's pork chop and came out pretty damn well!!! A tangy Friday night dinner
A decade ago I started cooking during my bachelorette years. That was survival. Then I met my finicky husband with an insatiable hunger for perfecting dishes. Together we took our family meals and perfected it. This blog is our experience.


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Billa is a supermarket chain, popular in Austria. You will also see them I n Prague. If you are tired of restaurants, and just want something that you can choose and make up... read more
In such an expensive city, it was comforting to pop into a supermarket and pick up nibbles and extras to enjoy as you're out and about. It has everything you want in a supermarket - we picked up crisps, cokes, beer, schnaps, chocolate, fruit, mints at a much cheaper price than the nearby shops. Sandwiches + cakes are cheaper at... More
Billa is a supermarket chain, popular in Austria. You will also see them I n Prague. If you are tired of restaurants, and just want something that you can choose and make up, like prepared foods, or bread and cheese and meat for a sandwich, beverages, including beer and wine, etc., then you can pop into Billa. A bottle of... More
Any Billa whether it be is Salzburg or anywhere in Austria is the traveller's best option for day to day needs. A bottle of water and a good sandwich is always to be had at local prices. Avoid the tourist traps and make your Euros go farther. Billa has great large reusable shopping bags to use on your travels and... More
We went to Billa today to shop.We were standing in the cashier line when one person called us and said he was starting another line for billing He did the billing but did not give us the bill even though we asked for it He took money in cash When we checked he had billed us extra It is very... More
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I'm back again with GuFF already. I was not terribly excited to review this CD after their last EP, but when I put it in the first time as background music while I was on my computer, I forgot what I was listening to and it suddenly dawned on me. It was GuFF, and they sound A LOT better on this release. They are still the same band musically for the most part, but the recording is much better. The vocals sound stronger overall, and the harmonies are tighter. All the other instruments are cleaned up too, and the drums are a bit more crisp, making for a tighter sound.
Starting off with a Simpson's quote, "Man, that horse don't take no guff from nobody!" "Guff?!" "I mean sh-" before bursting into the first song, the CD gets points right off the bat. As far as the music is concerned, GuFF has remained true to their fast melodic punk sound (but I guess it would be tough to change with just 8 months or so between records). Ash, the lead vocalist, has improved quite a bit in that he doesn't sound as raspy and annoying while still keeping the grit I'm sure he is going for. Also, the lyrics aren't as obviously silly. They are nothing groundbreaking, just the "life's trials and tribulations" type stuff, but I didn't notice as many painful rhymes.
GuFF brought one song over from their previous effort, "Scars are Tough Too" and using it to compare, you can really tell the difference between the releases. Now, as far as a favorite track would go, I cannot pick because none stood out a lot for me. The whole album seemed solid and had hooks, energy and the expected pop-punk moments, and a few not-so- expected. For example, there are a few almost Thrice-sounding moments, such as in "Bottom Drop" with it's harmonized metal guitar licks. While these guys are maintaining their speed, this album seems to have more of those riffs and harder breakdowns. But I couldn't say what the best songs are because after the album was over I could not distinguish them.
To bookend the album with hilarity, there is a secret track with Ash's bloopers while recording the vocals, similar to the secret track on "Punk in Drublic." It's pretty damn funny.
GuFF is moving up in the ladder of pop punk bands because they have an edge with their speed and roughness. And with their DIY work ethic (guitarist Jay even did all the artwork for this and their previous disc) and their non-stop touring, this band should make their mark. They're just not incredibly memorable for me.