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Last week's Listening to Intermediaries 2007 survey from financial services research firm BDRC has depicted an increasingly fragmented and nervous mortgage market. But how accurate is the picture painted?
The survey of brokers, commissioned by a number of high-profile lenders including GMAC-RFC and Edeus, highlighted that a number of clients are taking out interest-only buy-to-let mortgages, based solely on capital growth. With all their eggs in one basket, what will the effect be if – or should that be when – there is a downturn?
In contrast, the report also claims that a number of serious buy-to-let investors are partially selling up and moving their money into other asset classes. One broker surveyed said: "The big ones have seen that the yields are just ridiculously low and prices are nice and high – they are moving into other areas – if it was me, I would not bother going into it any more."
This does not ring true for Andy Pratt, chief operating officer at Alexander Hall. He says: "I am surprised. The portfolio landlords that we deal with are looking to add more properties if anything. Obviously, if they did sell up, it would free more properties up for first-time buyers."
However, he has seen the growth in interest-only. He says: "There has been a trend towards it, especially for people just starting out, as it is seen as a lower cost initially. And in some cases, it does make sense. In terms of a downturn, it is a question of degree. It will have to drop a significant amount before people start really suffering."
It is a similar story for David Sheppard, sales director at Principia. He said: "For tax reasons, interest-only for buy-to-let mortgages is the way it should be. If someone gets proper advice, then in most cases they should be looking at doing interest-only."
He continues: "I am seeing fewer new people coming into buy to let. It is more the people who have already made the money and have the equity there. All the time that property prices continue to increase, as they are currently, these landlords are not going to sell up. It would take three or four months of continuous downturn for that to happen."
Tom Cleary, director at Mortgage Find, says he is astonished it has taken this long for research to expose the fact that the majority of buy to let is interest-only. He says: "I have never known it any other way. The rental yields have fallen by such a large extent as prices have increased. Because the investors have to borrow so much more to afford the properties, most buy to let on repayment models just do not stack up unless the clients are putting in a massive deposit.
Cleary adds that he has heard various people talk of landlords selling up and investing elsewhere, but he has not come across this. He states: "If they are investing somewhere else, where would they get the sort of returns that property has given them? They will not get it from shares. I have certainly not seen them selling up myself, as most of our landlords are looking to expand their portfolios."
This nervous approach appears to have spread to self-certification as well. The intermediaries surveyed by BDRC said that they were dubious about high loan-to-values (LTVs), avoiding anything over 90%, with the view that self-certification was actually prohibitive and not in the client's interest. One respondent said that he feared that self-certification 'will come back to bite us'. Interestingly, fast-track was said to be more popular than self-certification, as the compliance onus was transferred to the lender.
Kevin Paterson, sales director at Park Row, is not a fan of self-certification. He says: "It is a relatively recent phenomenon, this increased nervousness, and it is due to the high profile exposure of self-certification, particularly on television programmes like Tonight with Trevor McDonald. It is no secret that the notion of self-certification is under the microscope. The biggest area for me is employed self-certification – there is simply no justification for it, no matter what anyone else says.
Finding the solution
Fast-track is not the answer either for Paterson. He says: "Most firms have got wise to self-certification. If they have not banned it they have made it difficult to get through. Fast-track is just lottery-based pseudo-self-certification. A lot of the brokers that use it will put cases through in the hope that they are not picked up, as the majority are not checked. I have certainly seen evidence of it being abused. It is a can of worms and very easy to abuse."
Sheppard says that for those that genuinely cannot prove their income, or have various sources of income, self-certification is justified. However, he adds: "From our perspective, self-certification only accounts for 6-7% of the business we do. We try to find a solution where we can prove the income. Those that specialise in self-certification, or seek that market, should be concerned. If you dedicate a large proportion of your written business towards it, the FSA is more likely to have a look at you. You need a healthy split, with all other avenues explored first."
For Pratt, the LTV is irrelevant. He says: "The fact that it is a high LTV does not matter, as long as it is a deserving case. The same standards apply, whether the LTV is high or low."
At least in buy to let, it would appear that the predictions of doom and gloom from the survey are a touch premature – established landlords continue to flourish, with plans to expand rather than downsize. However, there seems to be a definite unease over self-certification and its various tenets. As long as it is subjected to the public spotlight, that is likely to continue. n


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2019 Nissan Micra : 2019 Nissan Micra Side HD Wallpapers
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2019 Nissan Micra Exterior
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See what Pennsylvania educators are saying about how Eduspire's courses for teachers helped them integrate practical, contemporary technology into their K-12 classrooms. Take a look at some of the examples of how our courses have helped educators like you, or see more specific examples by completing the filter below!
Super helpful! Introduced to so many new apps, extensions, features, and strategies for use!— A. B., Chromebooks
This course was great! One of my favorites in the program!— H. M., Digital Portfolios
I learned so much about myself and how to implement portfolio's in my classroom.— P. A., Digital Portfolios
I enjoyed learning more about mindfulness and would really like to implement some mindfulness into my second grade classroom this school year and years to come!— P. H., Mindful Classroom
It was a helpful course in helping me understand how mindfulness can be used in the classroom to benefit my students.— L. K., Mindful Classroom
I like being able to drop what I learn right into what I'm already doing.— R. H., Virtual Reality
This course was new and exciting.— R. H., Virtual Reality
I liked learning more about digital portfolios and ways I could incorporate them into my classroom. I also liked having the time to create my own portfolio.— J. H., Digital Portfolios
Content was helpful and enlightening— L. R., Mindful Classroom
I thought this was a great course on mindfulness. I learned a lot about mindfulness and resources that are available. I learned about the benefits of mindfulness for my students and myself. I am excited to integrate what I have learned into my classes this upcoming school year.— C. M., Mindful Classroom
During this course, I was able to learn a great deal about digital portfolios and how to implement them into my classroom. Through the assigned articles and tasks I gained a lot of new insights.— H. I., Digital Portfolios
I felt that this course really helped me get a better understanding of the significance of using mindfulness in the classroom. The research and articles we read helped solidify my buy-in to using it in my classroom regularly.— M. H., Mindful Classroom
This course truly gave me a great understanding of how to use portfolios for myself and for my students.— L. H., Digital Portfolios
Learned a lot of useful information about integrating Chromebooks into my classroom. Appreciated the flexibility of structure that allowed me to address my specific curriculum.— C. M., Chromebooks
As this was my first Eduspire course, I was very impressed at how much I have learned. I am the type of student that asks many questions when I don't understand something. I expected this to be the case with an online course because I was concerned at how detailed it would be. However, I was pleasantly surprised by how much detail the instructor gave for his expectations with the course.— L. H., Chromebooks


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Anyone who is looking for PA online degrees should note that there are lots of people who can benefit from attending an online school. There are PA online degree programs which can be beneficial for individuals who are looking to work while in school, anyone who lives in a rural area, stay-at-home moms, and even for students who might be looking for a non-traditional path through higher education.
Those who are trying to work while attending school will benefit from PA online colleges. There is a lot of flexibility that comes from attending an online class that will be accommodating to a work schedule. In addition, individuals living in a rural area have a long way to travel to a traditional school. Online community colleges in PA are a great option to cut down on the gas and travel time. Lastly, those who are looking for a non-traditional education will find that online degree programs in PA are very helpful. Individuals have the opportunity to experience Pennsylvania online colleges from the comfort of their own home. The flexibility of online degrees cannot be ignored.
Ranking the Best Online Colleges in Pennsylvania
College Consensus editors have a handy tool to fall back on for ranking the best online colleges in Pennsylvania – the innovative Consensus Score, which pulls together published rankings and reviews from a multitude of sources. However, to qualify for the rankings, schools must also be accredited and offer at least 3 online undergraduate programs. The schools that meet those criteria are the best online colleges in Pennsylvania.
Saint Joseph's UniversityPhiladelphia, PA
Saint Joseph's University offers five undergraduate degree programs. The St. Joseph's University online BBA degree program is designed to draw from career experiences to create productive business processes and practices. Part of the General Education Program (GEP), students will focus on varied courses for a well-rounded foundation. Courses in management, accounting, finance, business intelligence and accounting are part of the curriculum, with additional coursework chosen based on the student's area of interest.
St. Joseph's University has been around for over 106 years, helping students acquire the skills and techniques needed to further their careers. With excellent faculty and a stellar reputation among colleagues, students are well-equipped for advancement. The program offers students hands-on experience and a different perspective on global and industry trends to help them elevate their current roles.
Pennsylvania State University-Main CampusUniversity Park, PA
Pennsylvania State University offers more online undergraduate degree programs than just about any other college. Just for one example, the AS degree program in Criminal Justice provides leverage in a current or prospective role. Used as a stepping stone for career advancement or preparation for an advanced degree program, students acquire the knowledge needed to enhance their career path. Courses prepare students for a range of opportunities in the criminal justice field, with coursework that includes behavioral science, policy and diversity. One of the best online colleges and programs in Pennsylvania, contact an associate to get more information today.
Originally founded in 1855 as the Farmers' High school of Pennsylvania, the school has gone through tremendous transformations over the years. It is in the top 1% of universities worldwide, and was granted the highest rating for research university by the Carnegie Foundation. Pennsylvania State University is known for its hands-on approach in teaching. The Penn State degree is well-respected among the industry, with the Bachelor of Science in Criminal Justice program certified by the Academy of Criminal Justice Sciences. Faculty in this program also teach resident students, further reinforcing their commitment to providing a quality education. There are currently 81 undergraduate programs of study.
Thomas Jefferson UniversityPhiladelphia, PA
Thomas Jefferson University Online is becoming one of the nation's most prominent online educators. BS in Human Resource Management sets students up for success in a variety of roles such as a compensation analyst, HR generalist, payroll clerk, training and development liaison or personnel recruiter. This program is regarded as a top-tier curriculum, guided by the Society of Human Resource Management. Students learn how to effectively and productively navigate in any work environment while learning foundational material on how to management conflict, make economic decisions, learn with technology, and the elements of organization. A program worth exploring, contact an advisor to enroll today!
The school has been around since 1824 serving students. Dedicated to delivering exceptional value, Jefferson Online focuses on connecting liberal arts to the real world to provide experiential opportunities in every industry. Students are challenged academically to enhance intellectual and personal growth. The school has a rolling admissions policy in place to make it convenient for students who have time conflicts. The faculty and students celebrate Jefferson University being named by U.S. News & World Report as the 15th in the Best Regional Universities in the North, and fifth in the region for innovation and best value. There are many different programs of study.
Misericordia UniversityDallas, PA
Misericordia University's online programs have made it a national leader in online education. Their RN to BSN program offers two options for students wishing to advance in their career. The Part-time evening nursing program, or the accelerated RN to BSN program accepts advanced placement credits. Coursework is designed to enhance student knowledge through statistical math and other required nursing courses.
In business since 1924, the college embraces the online concept offering undergraduate and graduate degrees. The university's programs designed to be completed in seven semesters. Classes are scheduled only in three semesters- spring, summer and fall to accommodate student schedules. A specialization is available for those students who do not have a bachelor's degree in nursing. Students may alleviate some tuition costs through tuition deferment, or by applying for the Charlotte Newcomb Scholarship. There are currently 13 undergraduate programs of study.
Drexel UniversityPhiladelphia, PA
Drexel University has online bachelor's, master's, certificate and doctoral degree programs. These programs are accredited and designed to offer students an alternative way to excel in both studies and career. Students have access to their degree programs from anywhere in the world.
Continually ranked as a top-tier school, Drexel University enjoys a diverse team of academic scholars who have real-world, practical experience and are distinguished in the profession. Named one of Americas Best Colleges from U.S. News & World Report, Drexel University offers more than just a degree, but opens doors for students through skills and connections that make a difference.
Chatham UniversityPittsburgh, PA
Chatham University has four undergraduate online programs: B.A. in Business Administration, B.A. in Psychology, Healthcare and Business Management, and RN to BSN. These programs are all designed to provide the foundations for students to move ahead in their careers. The information gained through these programs can be immediately applied in their field for promotions or career changes Students can transfer up to 90 credits previously earned, in addition applying the work experience competency for credit through the Prior Learning Assessment Program.
Founded in 1869, Chatham University is consistently named a College of Distinction, and a Best College by U.S. News & World Report. It also carries the rank as one of the greenest colleges in the United States by Sierra Magazine and the Princeton Review. Committed to creating and supportive and inclusive learning, living and working environment for all students and faculty. Admissions requirements have changed for students in Alabama, Arkansas, Iowa, Minnesota, Wisconsin and Massachusetts.
Duquesne UniversityPittsburgh, PA
Duquesne University has online undergraduate programs in Computer Systems Technology, Organizational Leadership and an RN to BSN program. Students learn technical and practical knowledge to apply to their careers and positively move forward in an evolving industry landscape. Coursework is designed to help students refine their skills in problem solving, critical thinking and how to communicate with others at any level.
The University has been continuously recognized for excellence. Their programs and initiatives have gained many accolades, such as the 2020 Best Colleges List, No. 16 among national Catholic universities; noted for best value; best colleges for veterans list; and others. It is also the only school in Pennsylvania listed among the national Most Efficient Top Universities. The online nursing program is currently unable to enroll students in Alabama, Arizona, Louisiana, New York, Tennessee and Washington.
Temple UniversityPhiladelphia, PA
Among Temple University's seven online degree programs, the online Bachelor's in Business Administration gives students an opportunity to have real world application and impact in their field. A flexible program designed for all types of students, coursework involves professional development training and opportunities, virtual advising and student support. A nationally ranked online program from Fox School of Business, this curriculum has a three-part model focusing on personal development, impression management and career and industry awareness. The school has 7 undergraduate online programs.
Temple University is distinguished in its own right, and the partnership with the Fox School of Business is known for its thorough preparation of professionals, entrepreneurs and business leaders for success. The largest, most comprehensive business school in the region, they put technology at the forefront to prepare students for the global economy. The global reach and alliances within the business school helps position their students among the best leaders and niche areas of all industries.
Geneva CollegeBeaver Falls, PA
Geneva College has 7 online bachelor's degree programs that offer practical and foundational knowledge in a space designed for working adults. These programs include Aging Services; Child and Family Services; Criminal Justice; Human Resources; Management; and Organizational Leadership. The General Studies program is for an Associate's degree. The coursework prepares students for a variety of industries and occupations, providing opportunities for growth through demonstrated leadership, strategic decisions and communication. Affordability is one of the reasons the school is very popular, with competitive tuition, financial aid and employer reimbursement programs.
Following Christian values, the school has small, online class sizes. Consistent in its ranking as a Top 10 Best Value School in the region by U.S. News & World Report, students are nurtured and under excellent faculty. Geneva College is also an approved SARA institution in Pennsylvania, providing education to students in member states.
DeSales UniversityCenter Valley, PA
DeSales University has 20 online degree programs which include Accounting & Forensic Accounting; Financial Planning; Pharmaceutical Marketing; Business Administration; Homeland Security; Psychology; Criminal Justice; Human Resource Management; Supply Chain Management; Elementary Education; Management; Theology; Finance; and Marketing. Online certificate programs are also available in a variety of industries.
The school has been around since 1965 and the university officially approved in 2000. Students attending these programs have the same quality as students attending the on-campus versions. Named on the U.S. News & World Report Best Colleges for Regional Universities best values and North regions, the school has excellent faculty to provide real-world experience and values for students to enhance their careers. Affordable and convenient, students enjoy flexibility while getting the foundation they need.
What Kinds of Degrees Can I Earn Online in Pennsylvania?
The good news is that PA online degree programs will provide people with everything from an associate's degree to a doctoral program and everything in between. This makes Pennsylvania online colleges accessible to almost anyone. Individuals might be looking to earn an advanced degree for the first time. In this situation, an associate's degree might be a good place to start. Those who are going back to school might be more interested in completing a bachelor's PA online degrees or even a master's program. There are even doctorate programs available through PA online schools.
25 Highest Paying Online Associates Degrees
25 Highest Paying Online Bachelors Degrees
25 Highest Paying Online Masters Degrees
25 Highest Paying Online Doctoral Degrees
The flexibility of online degree programs in PA is one of the reasons why they are so popular. PA online colleges have been designed to work for people at all levels of the education system. Anyone who is looking to transition careers, make themselves more competitive in the job search, or simply provide for their family can benefit from these programs. Everyone should take a look at the options available to them.
How Can I Save Money on an Online Degree in Pennsylvania?
Of course, those who are looking for Pennsylvania online colleges should note the cost that comes with the program. Unfortunately, student loan debt is one of the biggest issues facing this country and has become a major issue for those who elect to go the traditional route. Fortunately, there are also lower-cost regional public institutions. Some people might be able to start with cheap online colleges in PA. One of the most common options is for people to start with online community colleges in PA for the first couple of years. Then, individuals can take these credits and transfer them to a four-year school where they can finish their program.
In addition, anyone looking to go back to school should also consider the financial aid options available from cheap online colleges in PA. Many of these schools have scholarship options that are both merit-based and need-based, helping people avoid loans. In addition, there are third-party programs available who might be willing to finance someone's higher education. Many of these programs target individuals who might come from a disadvantaged or a minority background.
Finally, many people are sent back to school by their employer. Anyone in this situation should be sure to speak with their employer about the potential of having their education paid for by the company. There are many companies who realize the benefit of having an employee with an advanced degree. They might be willing to front the cost for these benefits. This is a fantastic way to avoid having to take out any loans at all. Make sure to consider all of the options available to reduce the cost of going to college.
Are There Online Public Universities in Pennsylvania?
Public online programs are a vital part of the field of higher education. Public schools are often cheaper than private school alternatives. In addition, these schools also give everyone the chance to improve their quality of life via a college degree. It is important for everyone looking to go back to school to make sure that their school is accredited. There are multiple accredited online colleges in PA that are available. This accreditation is incredibly valuable because it is a badge showing that the courses offered at the school are of significant rigor. A degree from accredited online colleges in PA is a message to the employer that this employee has met a certain standard of academic prowess. This will make everyone more competitive in the job search. Take the time to enroll in an accredited online college in Pennsylvania. This is an important step in acquiring an advanced degree that future employers will take note of.
Related Rankings:
Best Colleges & Universities in Pennsylvania
Best Regional Universities North


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Tariq Ali is a writer and filmmaker. He has written more than two dozen books on world history and politics, and seven novels (translated into over a dozen languages), as well as scripts for the stage and screen. He is an editor of the New Left Review and lives in London. (August 2019)
Follow Tariq Ali on Twitter: @TariqAli_News.
A Letter from the
April 12, 1990 Issue
August 13, 2019


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During this difficult time, the Air District is taking steps to ensure Bay Area air quality and public health are protected while the shelter-in-place orders in the Bay Area and throughout California are in effect. Read more... | en Español
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Annual Reports
Air Quality Plans
Articles and Papers
Current Rules
Manual of Procedures
Annual Budget
Permitting Manuals
Air Currents
The Air District produces a variety of documents and publications in the course of its efforts to improve air quality.
These range from official rules, plans, procedural guides, and advisories to brochures, flyers, handbooks, and other publications of a general nature that provide information about air quality issues, regulations, and operating policies.
You can also stay informed about the Air District's activities by signing up for the agency's electronic newsletter or for email notifications.
The Air District develops regulations to improve air quality and protect the health of Bay Area residents.
The Air District prepares plans in order to meet air quality requirements and achieve its goal of healthy air. These plans report progress and provide a road map to guide future activities.
The Air District's Annual Report highlights the Air District's accomplishments and includes data that summarizes the agency's activities.
Air Currents is an electronic newsletter that covers Air District activities as well as other air quality issues of interest to industry, government agencies, and the general public.
Información general
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Last Updated: 09/08/2014


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Teacher of Maths, Argyll and Bute
Closing date:
Oban High SchoolArgyll and Bute
Date posted:
Contract type: Full Time
Contract type: Full Time
Salary: £32,034-£40,206
Contract term: Permanent
Contract term: Permanent
Applicants should note that:-
- This post is suitable for job share.
- This posts requires Protection of Vulnerable Group (PVG) Membership in relation to working with children.
- "Please Note - Pay arrangements for those starting after 1st day of school session. In accordance with Teachers Conditions of Service (SNCT - Appendix 2.19), Teachers who commence employment with Argyll and Bute Council after the first day of the school session will have their salary for the remainder of the school salary year (which runs from 1 August to 31 July each year), recalculated to reflect how teachers accrue leave and pay. In these circumstances, a calculation will be carried out upon commencement of employment and leave and pay will be adjusted. A link to the guidance sheet will be provided to the successful candidate should this be applicable."
To apply for this vacancy, please click on the Apply Nowbutton at the top of this page.
Closing date: 10/04/2020
Reference: ARB06473
Oban High School, Soroba Road, Oban, Argyll., Oban
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On 20 May 2012, the famous Russian sailing ship "Sedov" departed form Sankt-Peterburg and started on a 14-month circumnavigation of the world..
The journey of "Sedov" - the largest training sailing ship of the world - is dedicated to the 1150th anniversary of the birth of Russian statehood and the 200th anniversary of the first Russian circumnavigation of I.F. Kruzenstern and Yu.F. Lisianskiy.
On December 6, 2012, at the Museum Hall of the headquarters of Russian Geographic Society in Sankt-Peterburg, there was a ceremonial opening of exhibition "Treasures of Tuva".
Republic Tuva is well known to archeologists and historians of the whole world as a treasury full of remnants of the most ancient civilizations and cultures. Scientists and curious adventure seekers have been striving to learn about them for more than 100 years, during which archeological excavations have been taking place there.
Nature park "Ergaki" is becoming more and more popular every year as a place for active recreation, gradually turning into the next "Mecca" of Russia. According to various sources, about 2 to 3 thousand "guests" visit the "Sleeping Sayan Mountains".
But there is a problem: the majority of the people going to the mountains has not had even minimal preparation for it. Most of them not just can't tie a "sea knot", but can't even start a simple campfire. And, as is well known, the mountains do not forgive mistakes.
A journey
In southwest Siberia in Tuva, between Mongolia and Altai, the mountain massif Mongun-Taiga spread its shoulders - the mountain ridges, glittering with glaciers of the Silver Mountain. It is a harsh land of wind-blown high-altitude meadows, stony slopes and icy rivers. Only strong and tough people survive here, Tuvans of Turkic roots, living a nomadic life with their herds of sheep and yaks. They are kind to their guests, but guests are rare - it is not an easy road to the remote mountain pastures. But those who had made the trip fell in love with the simple beauty of its wild nature and the people living in harmony with it.
Ethnocultural center "Ustuu-Khuree", which will be located on the territory of Dzun-Khemchik district of the republic, will become one of the trademarks of the republic. This was announced today at a government conference, during which the project plans were evaluated. It is anticipated that the Center will include the territory of the Ustuu-Khuree temple, destroyed in 1937, in the vicinity of Chadan.
Currently, the ruins of earth walls of the old temple, which are sacred to many people of the republic, attract multitudes of pilgrims and tourists. Next to the ruins is the new Buddhist temple, opened on 23 July of this year, which is a contemporary replica of the old temple.
The Tuvan State University of Kyzyl, Republic of Tuva is organizing a summer study program for foreigners, from June 30 - July 14, 2013 called "Two Weeks of Tuva".
Participants will study the Tuvan language four academic hours (three actual hours) a day, Monday through Friday, in groups of 3-6 students. By the end of the 40-academic-hour program, participants will know basic words, simple phrases, and how to talk about themselves, their family and their home.
Government of Tuva approved a project of a law concerning "About protection of intang9ble cultural heritage of Republic Tyva", according to which it is proposed to regulate the expression, conservation and utilization of the spiritual heritage transmitted from generation to generation, and demonstrating the cultural variety of peoples of Republic Tyva. The remarkable Tuvan throat-singing, stone carving art, ancient traditions and rituals, including unique traditions of Russian culture, which have been conserved on the territory of the republic, folklore, national holidays - everything that is so remarkable and attractive about Tuva, will be included among the objects of intangible cultural heritage, and will be protected by law.
The yurt-museum is located not far from national Museum in Kyzyl; it complements the cultural treasure-house of original expositions, immersing the visitors in the daily life of Tuvans.
- What is the main difference between a yurt and other types of dwellings?
O.D.: A yurt is, first of all, a typical nomadic dwelling. That is why it is easy to take it apart and transport it, then reassemble it again in two hours at the most, depending on the size of the yurt. The yurt and its interior furnishings are made from light materials by hand, in conditions of home craft production, and everything is adapted for nomadic way of life.
1) 01.05.2020: Festival of Labour. Pervoye Maya (Russia)
2) 06.05.2020: Day of Tuvan Constitution (Tuva)
3) 09.05.2020: VICTORY DAY, 75th anniversary of Russian Army victory over fascism (Russia)
4) 11.05.2020: 102th anniversary of Richard Feynman, outstanding physicist, Nobel Prize winner (California-Tuva)
5) 19.05.2020: Museum workers' Day (Russia)


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Introduction to NLP
Why NLP?
Are you curious as to whether you can have more choice and feel more in control of life?
Would you love to be more successful and don't know how?
Do you want to grow as a person and discover more about you or to help others?
If so, then come along to our one day introduction to NLP where you can learn how to create the life you desire.
This one day introduction to NLP gives you a real flavour of what NLP is all about, we share the history of NLP along with some incredible tools to help you to become an even better version of you.
What will I learn?
By the end of the course you will:
Have a greater understanding of NLP and how it can help you.
Understand how you process information and how to take back control of your life.
Learn and practice a great tool to solve problems.
Discover how to feel differently both quickly and easily to achieve your greatness e.g. to be more confident, happier, more successful etc.
Set an exciting new goal for yourself.
How will I learn?
The day is a combination of theory as well as experiential learning; a perfect blend that will enable you to gain first hand experience of some amazingly powerful new tools that you can use straight away in all areas of your life as well as some new insights and perspectives. This is an engaging, thought provoking, fun and interactive day.
What if I want to know more?
This course is a great way to experience NLP for yourself, first hand, and to help you to decide whether you want to go on to learn more about how incredible you really are. If you do, the great news is that this is the first day of either your Diploma or Practitioner course.
Next Course Dates:
Our courses are held at Writtle University College, Chelmsford, Essex;
13th March 2020, please click here to book your place.
31st May 2020, please click here to book your place.
2nd October 2020, please click here to book your place.
Your investment: £42.51


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Join a world-class health care system
Complete by Quick Pay, My Marshfield Clinic or mail
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Make a patient referral, access medical education and research
Find learning opportunities for students, residents and fellows
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Learn about medical care in more than 80 specialties
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The Marshfield Clinic family is committed to making a positive impact on our patients and our community. We are here every step of the way to support you in making the best decisions about your health and wellbeing, from research and prevention to diagnosis and treatment.
Locations >
Marshfield - Marshfield Medical Center
COVID-19 Temporary Hours Update
Hospital services remain 24/7, with potential modifications to select services. Majority of medical offices will remain open Monday thru Friday. Cancer Care Services remain Monday-Friday.
Click here for more
Hospital Building
Emergency Department
24-hour emergency department
Monday - Sunday: 10:30 a.m. to 8:30 p.m.
Medical Offices Building
1000 N. Oak Ave. Marshfield, WI
Get directions to medical offices building >
Urgent Care
Monday - Friday: 7:30 a.m. to 8 p.m.
Weekends: 8 a.m. to 4 p.m.
Holidays: 8 a.m. to Noon
Monday - Friday: 8 a.m. to 5 p.m.
Suite 100 (First Floor)
Monday - Friday: 8:30 a.m. to 6 p.m.
Specialty Pharmacy
Suite 300 (Third Floor)
Monday - Friday: 9 a.m. to 4 p.m.
Central Ave. Pharmacy
(630 S Central Ave.)
Monday - Friday: 8 a.m. to 7 p.m.
Saturday: 9 a.m. to 1 p.m.
Sunday: 9 a.m. to 1 p.m. (drive-thru only)
Optical shop: Special hours during COVID-19
Suite 400; Fourth floor
Monday-Friday: 8:30 a.m.-5:30 p.m.
Durable Medical Equipment, Prosthetics,
Orthotics and Supplies (DMEPOS)
Administration Office
Suite 600; Ground Floor
Monday-Friday: 8 a.m.-5 p.m.
Phone: 715-221-5110
East Wing Building
1000 North Oak Avenue Suite 900 Marshfield, WI
Get directions to east wing building >
COVID-19 Temporary Hours Update
Hospital services remain 24/7, with potential modifications to select services. Majority of medical offices will remain open Monday thru Friday. Cancer Care Services remain Monday-Friday.
Urgent Care
Emergency Department
24-hour emergency department
Marshfield Medical Center Floor MapsEntrances and Parking
In an effort to keep parents and children safe, check-in locations for pediatric appointments have changed at Marshfield Medical Center (medical offices) to separate patients that may be sick from those that are not. Learn more below.
Newborn and pediatric well-child appointments for children under 2-years: Enter main entrance and check in at desk 3C on the third floor
If your child has an appointment for illness: Patients and their families can check-in at the Lawton building entrance. Patients and their parents will immediately be masked upon entry. Call 715-387-5251 to make an appointment.
All other appointments for pediatrics and specialty pediatrics: Enter main entrance and check in at desk 1A on the first floor
Well-child appointments for children over 2-years or non-urgent specialty care appointments: A member of your child's care team will call you to reschedule these appointments.
Learn more here
Due to coronavirus cases in surrounding communities, Marshfield Clinic Health System locations are implementing temporary visitor restrictions.
View guidelines
Our flagship medical center cares for patients from throughout central, northern and western Wisconsin.
Marshfield Medical Center - Marshfield provides the latest medical technology, research and education to serve patients from all across the U.S., Canada and around the world.
Recent news and service spotlights:
Marshfield Medical Center - Marshfield offers inpatient (hospital) and outpatient (medical offices care) services.
Services at this location include:
Services at east wing building include:
See all Marshfield Clinic Health System services >
We help you get same-day care when you are unable to see your primary care doctor.
Emergency departmentImmediate care for serious medical conditions
Urgent careConvenient care for non-life-threatening injuries or illnessesLearn what is emergent versus urgent >
Care My Way® virtual visitMobile or virtual care for common ailmentsCall
1-844-CAREWAYSee which conditions are treated with Care My Way® >
Same-day appointmentsPrimary or specialty care at your preferred locationCall
715-387-5511Find out how same-day appointing works >
Marshfield Medical Center - Marshfield is
accredited by The Joint Commission.
Community Health NeedsLearn how our services impact your community and view our strategies going forward.
View our adopted community health needs assessment and implementation strategy >
Want to thank a nurse at Marshfield Medical Center - Marshfield who went above and beyond during your health care visit? Click here to share your story and fill out a DAISY Award nomination form.


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1715 E. Main, Farmington, NM
Please call 505-324-8177 for current service information.
Visit Website
2210 E. 20th Street, Farmington, NM
To-go orders are available from Porters by calling 505-327-5979. Menu items from Blue Moon are also available. Delivery within a 5-mile radius, with no delivery charge. 50% discount available for on-duty Police, Fire, EMS and Medical Staff. Hours: Sunday 8 am to 2 pm, Monday - Thursday 11 am to 8 pm, Friday - Saturday 8 am to 8 pm.
Check their NEW MENU!
101 East Main Street Farmington, NM
A special 3RB menu is available for to-go orders. Simply call 505-325-0308 to place your order and pick up at the Pizzeria! Open 11:00 am to 8:00 pm daily. House distilled spirits and beer also available for order as package service.
Read More
Northern Edge Casino,
2752 Navajo Rt 36,
Fruitland, NM
Closed at this time.
101 E. Broadway, Farmington, NM
4921 E. Main, Farmington, NM
Call for carryout and delivery service.
3451 E. Main, Farmington, NM
Lunch, Dinner, Full Service Bar
4601 E. Main, Farmington, NM
Open for curbside service. Call or order online. Open 12 to 8 pm daily.


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The Tour V2 trousers for sport touring are designed by Aldo Drudi and made in collaboration with Spidi Sport. Robust, ergonomic, adjustable, with an H2Out® membrane that is waterproof, breathable, and wind resistant, they have CE-certified protectors on the shins and hips. They provide a high level of comfort thanks to a removable lining, elastic fabric, and zipper adjustable air intakes. They can be combined with the Tour V2 jacket both in the standard and HV variants. Also available in a version for women.
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Free shipping on orders over $100!
Can't find what you're looking for? Let us know!


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F-150 XLT, 4D SuperCrew, 5.0L V8 FFV, 6-Speed Automatic Electronic, RWD, White, 3.31 Axle Ratio, 4.2" LCD Productivity Screen in Instrument Cluster, 6-Way Power Driver Seat, Electronic Stability Control, Heated Power Side Mirrors, Leather-Wrapped Steering Wheel, Power Adjustable Pedals, Power steering, Power windows, Remote keyless entry, Self-Dimming Rear-View Mirror, SYNC MyFord, XLT Convenience Package.
**361-237-4898** Need to see the AUTOCHECK report? Sure! We're proud of the clean vehicles we sell.
Come by and meet our friendly, no-hassle sales team today. Awards:
* 2014 KBB.com Brand Image Awards
Used 2014 FordF-150 XLT Truck
- Stock: R64940A
- Odometer
- 56,783 miles
- Fuel Economy
- 17.0/23.0 mpg City/Hwy
- Exterior Color
- White
- Interior Color
- Steel Gray
- Body
- Truck
- Transmission
- 6-Speed Automatic Electronic
- Drivetrain
- Engine
Ford F-150
Detailed Specifications
- 1st and 2nd row curtain head airbags
- 4-wheel ABS Brakes
- ABS and Driveline Traction Control
- AM/FM/Satellite-prep Radio
- Anti-theft alarm system
- Audio controls on steering wheel
- Auxilliary transmission cooler
- Chrome grille
- Clock: In-radio display
- Coil front spring
- Compass
- Cruise control
- Cruise controls on steering wheel
- Curb weight: 5,345 lbs.
- Digital Audio Input
- Double wishbone front suspension
- Dual vanity mirrors
- Dusk sensing headlights
- External temperature display
- Fold-up cushion rear seats
- Front Independent Suspension
- Front Ventilated disc brakes
- Front and rear reading lights
- Front fog/driving lights
- Front split-bench
- Front suspension stabilizer bar
- Fuel Capacity: 26.0 gal.
- Fuel Consumption: City: 15 mpg
- Fuel Consumption: Highway: 21 mpg
- Fuel Type: Regular unleaded
- Headlights off auto delay
- In-Dash single CD player
- Independent front suspension classification
- Instrumentation: Low fuel level
- Leaf rear spring
- Leaf rear suspension
- MP3 player
- Machined aluminum rims
- Manual front air conditioning
- Manufacturer's 0-60mph acceleration time (seconds): 6.9 s
- Max cargo capacity: 60 cu.ft.
- Metal-look dash trim
- Overhead console: Full with storage
- Passenger Airbag
- Power remote driver mirror adjustment
- Power remote passenger mirror adjustment
- Power windows
- Premium cloth seat upholstery
- Privacy glass: Deep
- Radio Data System
- Regular front stabilizer bar
- Remote activated exterior entry lights
- Remote, digital keypad power door locks
- Rigid axle rear suspension
- Side airbag
- Spare Tire Mount Location: Underbody w/crankdown
- Speed Sensitive Audio Volume Control
- Speed-proportional electric power steering
- Split rear bench
- Stability control with anti-roll control
- Steel spare wheel rim
- Suspension class: Regular
- Tachometer
- Tilt-adjustable steering wheel
- Tire Pressure Monitoring System
- Total Number of Speakers: 4
- Urethane shift knob trim
- Urethane steering wheel trim
- Variable intermittent front wipers
- Vehicle Emissions: Federal
- Wheel Diameter: 17
- Wheel Width: 7.5
- Wireless phone connectivity
Dealer Notes
KBB.com Consumer Reviews
- 5.0
By rog on Thursday, December 01, 2016i have driven my f150 for 85000, and only done general maintenance never had a problem that was out of the ordinary or that was not brakes, replacement after wearing them out, fluid changes tires, been a very dependable truck. it drives good in all road conditions, very satisfied
- 5.0
Fantastic Truck
By Roddy on Thursday, July 24, 2014Ford has really hit the nail on the head with this truck. I got the 5.0 V8 and it is really smooth and powerful. Better than the 5.4 they used before. Also, it drives well, has lots of room, and totally reliable.
- 5.0
By tdaz on Monday, November 02, 2015I BOUGHT THIS TRUCK ONLINE AND ADDED 20 IN RIMS COOPER TIRES.AIRRAID COLD INTAKE INDUCTION THROTLE BODY SPACER,DUAL EXHAUST LIGHTENING STYLE,GOTTA LOVE THE TOWING PACKAGE. GOING DOWN STEEP I=DOWNGRADE WITH A FULLY LOADED DUAL AXLE TRAILER U TAP BRAKES AND TRUCK AUTOMATIC TRANSMISSIOM IS GREAT, JUST TAPE THE BRAKES ON GOING DOW STEEP DECLINE THE TRUCK WILL DOWNSHIFT TI NEXT LOWE GEAR.STARTIN IN SHOW PUT THE TRANS ON 3 ON SHIFER AND TRUCK WILL START OFF IN THAt gear to prevent slipppin n sliding
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Alex Denison
Visiting Lecturer
Alex Denison is a visiting lecturer in the Department of Political Science at the University of Georgia. He is an ABD completing his PhD in political science at the University of Kentucky. His research and teaching interests focus on judicial politics and law, American institutions, political media, and public opinion.


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Blog Archives
Lost Gloves
This blog invites people to take photos of single, lost gloves and email them in. If only I had known about it last week I would have sent in a photo of an attractive striped child's glove on a wall over the road from me. It was especially notable for it's pristine cream condition, surrounded as it was by grey slush.
It seems to me that a pair of gloves is commonplace and of little interest, but a sole one, left or dropped, becomes much more than that. In the moment of loss or separation it gains a whole unknown narrative and some of us stop and wonder about that.
Whilst Eugenie on School for Saatchi drove me crazy, I love this. I do however suspect her influence in the rubber glove installation…


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Search ResultYou searched for "Priyank Sharma"
- TelevisionHina Khan plants an adorable kiss on Priyank Sharma's cheeks
TV actress Hina Khan celebrated her close friend Priyank Sharma's 26th birthday on Friday. And the images from the celebration are now on social media.8 months agoMusicRanjhana First Look: Hina Khan shares a picture with Priyank Sharma
On Wednesday, Hina Khan shared the first look of the music video in her Instagram stories. The pictures speak volume of their love and bonding.11 months agoTelevisionTrolls on my sexual orientation affect me: Priyank Sharma
Priyank Sharma was questioned about his sexual orientation with contestants throwing homophobic slurs during his stint in reality show "Bigg Boss 11". The actor says trolls on his sexual orientation and character do affect him.2 years agoTelevisionBigg Boss 11: Arshi Khan's publicist files FIR against Priyank Sharma, Sapna Choudhary over Pune-Goa joke
Priyank Sharma, who recently joined Bigg Boss 11, has landed himself into a legal trouble as Arshi Khan's publicist has filed an FIR against him and the Colors channel.2 years agoTop Stories


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