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I have been following Dr Joe Dispenza for really long time, mostly listening to his talks, interviews, teachings and conferences. I have been fascinated by everything he says as I felt it all aligns with what I know is the truth. His way of breaking down, explaining and translating the strong connection between the mind and our physiology is just a precious gift. Because he is also a brain scientist, I hesitated buying one of his books for long time, unsure of what I was about to explore in his books and to my pleasant surprise what this book offers is just beyond my expectations. I realised having one of his books greatly assists in deeper understanding of his teachings. I appreciate such a focus on the detail, his easy to understand style and his tireless Repetition to make these ideas clearer and more memorable, pushing you to your own healing, freedom and to your potential for greatness.
Tag Archives: life
Why does he do that ? Why is he angry ? Why does he twists things into their opposites? Why did he say that? Why does he feel superior to everyone? Why he confuses love with abuse? Why is he manipulative? Why does he enjoy conflict so much? Why does he blame me, for what he does? Why is he telling people lies? Why having a good public image is all he cares for? Why control and power is all he fights for ? Why everyone else thinks he is Wonderful? Deep down in his heart does he know, Why? I Wonder .. How many times have I asked myself, again and again, I wonder .. then I close my eyes and let go, because I know I will never know.
In Response to Daily prompt
Human and Being
You might be doing all the right things and the best you can for your relationship, but even doing the best you can is not enough. In fact, doing is never enough, if you neglect Being. The ego knows nothing of Being, but believes you will eventually be saved by doing. If you are in the grip of the ego, you believe that doing more and more you will eventually accumulate enough "doings" to make yourself complete at some point in the future. You won't.
You will only lose yourself in doing. How do you bring Being into your life and relationships? You are a human being. Mastery of life is not a question of control, but of finding balance between human and Being. Human is form and Being is formless.
From pages 103-105 Role playing, the many faces of the Ego – A New Earth book by Eckhart Tolle
Heart Opener
An extra room has magically been added to your home overnight. The catch: if you add more than three items to it, it disappears. How do you use it?
Add yoga mat, music and a candle. I would use it for opening my heart once gain, in privacy, securely. I would lie on my back, bend my knees and place my feet flat on the ground. My palms flat on the ground above my shoulders. I would take a deep breath, pressing into my palms, lifting my head, shoulders, and hips off the mat, straightening my arms and legs. The wheel pose – The Heart opener. I feel exposed, vulnerable, weak.
An open heart in my life, means not afraid to love, to share, to open your heart. Which also can be difficult or dangerous if you have closed yourself off for protection against emotional pain. An open heart is beautiful creation. Allows you to willingly give and receive love. I'm opening up in way that feels safe and secure, at my own pace, here in my breathing room.
- increases elasticity and flexibility of the spine
- strengthens your arms, wrists, abdomen, legs, shoulders and chest
- opens up the chest and strengthens the lungs
- energizes you physically and mentally
- heart opening backbend intended to cure any broken hearts from our past, while allowing ourselves new opportunity for love
Mind Reader
The last person I saw before reading today's daily prompt and before I sat down to write this, is my domestic helper. Call her what you want, cleaner or a maid. I like to call her a helper, because she is helping me with all general house work and no maid would ever clean my house the way I do and like. So I do the organizing bit. She was just here, before I sat down to write, she wiped off the dust on my desk and finished all works downstairs.
Now she is upstairs hoovering my bedroom and probably thinking that they will cut her salary down at her office as she arrived two hours late. I will pay her a little extra money tho. Probably thinking of her plans for the long weekend ahead of us. She just stopped the hoover and sneezed twice, then started vacuuming again. That was odd, why would someone stop vacuuming just to sneeze. Would you not sneeze while hoovering ? I guess most of the time she is just thinking why on earth is my whole house covered in cats hair. She thinks I am the crazy cat lady. Yup, that is exactly what she is thinking right now.
In response to Daily Prompt – Mind Reader
The Only Witness
When you do something scary or stressful — bungee jumping, public speaking, etc. — do you prefer to be surrounded by friends or by strangers? Why?
Surrounded by friends or strangers? Surprisingly, I have no feelings to this question. Yeah, rare! I have no preference at all. I have no answer. Wow. I think I take my own circumstances as they come. And that doesn't mean I am fearless. Fearless is impossible. I actually fear almost everything. When I am doing something scary or new, I get stressed, doubtful and nervous. However I feel, no matter what I have to deal with, I am on my own, no matter if I'm surrounded by family, friends or strangers. No one can make a difference, to my pounding heart, my stomach turning or to my body sweating. It is always a personal challenge. It is happening inside of me. Me facing my own fears. No one can face them for me or with me. My fear is invisible to everyone else. At that moment it is just me and my fear alone – face to face. What people can see could be my nervousness. And nervousness surrounding what I want to do is considered a good sign too. I would say that company of strangers teaches me more about who I am as a person in different situations. Be it public speaking or bungee jump.
Reason to Believe – My Desire
Desire to do anything
Is my reason to believe
I believe in my power to do anything that I want
And my power is my reason to believe
I believe in myself and all of my possibilities
And my possibilities are my reason to believe
I believe in love
And love is my reason to believe
I believe in magic, excitement, joy, purpose and passions
And those are my reasons to believe
I believe in enjoyment of what I do and love
my reason to believe
I believe in my wonderful life
And my life is the reason to believe
I believe in beauty
And beauty is my reason to believe
Reason to believe
Knowing That I Can Do Anything!


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Nathan Lyon is one of several Australian cricketers who appear at the height of their game.
Aged 31 and on his third tour of England, Lyon contributed to Australia's victory in the opening Ashes test at Edgbaston by out-bowling his counterpart Moeen Ali by nine wickets to three and routing England on the fifth day.
"Come on, Lyno" will be heard frequently over the stump mics in the next five weeks when Lyon comes on to bowl his off-spin.
It is likely to be up there as one of the defining sounds this month, along with "long tailbacks" and "delays inevitable" on the traffic news.
"Bowled, Nathe" will become another familiar sound when one of his off-breaks is pushed by an English bat to short leg; or else Jason Roy rushes past it. "Nice, Garry!" will be audible, too, or "Nice one, Gazza" — an allusion to Garry Lyon, an Australian rules footballer turned radio show host.
Australia's off-spinner is also called "Goat", an acronym standing for the Greatest Of All Time. Lyon has taken more than twice as many test wickets — 352 at an average of 31.82 — as the next Australian off-spinner, and more than any other Australian spinner apart from Shane Warne.
Australia's previous head coach, Darren Lehmann, commentating on this test series for Macquarie Radio, goes so far as to say he "has been the difference between the teams so far". Not Steve Smith, nor Pat Cummins, two other Australians who are apparently at the height of their powers. "He [Lyon] has just got better and better, and over the last 18 months, he's been unbelievable.
"I've not seen another finger-spinner get so many revs on the ball," said Lehmann, Australia coach from 2013 to 2018. "Maybe Harbhajan Singh [of India] but not an orthodox off-spinner. At his best, Nathan is between 1800 and 2100."
That is, he makes the ball rotate between 1800 and 2100 revolutions per minute. The last Australia off-spinner to take 100 test wickets was Tim May in the 1990s.
"He had great revs, too, but was more injury-prone, whereas Lyon has got longevity," he said.
Lehmann first saw him when he was playing Twenty20 cricket for South Australia and was struck at once.
"He looked as though he had the mental strength. He hasn't really changed his action at all, just refined it, and got better and better. Yes, he's been the difference between the sides so far."
Lyon was born in Young in rural New South Wales. The family home had a driveway which sloped from one side to the other, and elder brother Brendan took one end to turn his leg-breaks down the slope. Younger brother was forced to take the other and adjust to the conditions with off-breaks.
Anyone in Australia, unlike England, can reach the top in cricket — but if born in the country, they have to move. The Lyon brothers went first to Canberra, when the capital was developing a T20 team, the Canberra Comets.
In 2010, Nathan took a job as a groundsman or curator at Adelaide Oval and broke into South Australia's team, although he has since moved back to New South Wales.
His first test ball in 2011 produced a wicket — the highly distinguished one of Kumar Sangakkara — and he was soon recognised as the long-sought successor to Warne, albeit not a wrist-spinner.
One of the few lean patches in Lyon's career was in county cricket with Worcestershire over four championship matches in 2017, but only one was at home. In the other three, the hosts saw him coming and did not prepare a spinning pitch.
Lyon, though, is remembered at Worcester for mentoring their younger spinners, not that there were many. Pace bowlers have replaced pear orchards as Worcestershire's main produce.
Lyon has the honour of leading the Australia team song when they celebrate a test victory. As the holder of this office has to be in the team, it almost guarantees a place.
"Underneath the Southern Cross, I stand/
"A sprig of wattle in my hand/
"A native of our native land/
"Australia, you f—ing beauty!"
If England hear this song being chanted in the Lord's pavilion at the end of the second test, and on one more occasion this northern summer, they will not regain the Ashes.
Lyon's physique is whippy, rubbery, almost elastic, so he puts a lot of body into his bowling — his speed was around 100km/h at times at Edgbaston, Moeen's well below — and he has long and strong fingers, remarkably uncalloused, which help him vary between off-spin and over-spin in all sorts of gradations.
Every "offie" loves a "leftie", and especially Lyon in England, where half his 34 wickets have been left-handed batsmen, at only 19 each.
At times in their second innings at Edgbaston, England's left-handers looked as though they were stabbing in the dark.
He is also Warne's successor in winding up opponents. After Joe Denly slog-swept him for two fours in an over at Edgbaston, Lyon during the next over went from cover to stand in the non-striker's crease and speak to him. It worked, because in Lyon's next over, with a deep midwicket posted, Denly played straight and was caught by short-leg.
The subtlety of a spinner at his best, like Lyon is now, takes more than one form; and his right hand holds more than a sprig of wattle.

subset: commoncrawl


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The interview ends with Rocky talking about how the passing of his older brother affected him.
Even if you have a friend of a certain background that doesn't mind racial ribbing, don't make assumptions that your date will feel the same way.Looking back Rocky is proud of having gone through that because it shapes who he is.He explains that not having money for lunch or to go to movies along with not being able to get a job lead him to dealing drugs. Singles looking to mingle are increasingly crossing cultures to find their perfect partners on dating sites. You may be from one culture and your potential honey is from another. (Think swirled ice cream on a cone.) Mixed ethnicity families are on the rise in the UK (source: BBC), and according to The Guardian, nearly 1 in 10 people in England and Wales are in inter-ethnic relationships.


text: This morning, I am beginning a series of sermons, entitled "Called Out." The title comes from the word in the New Testament word that is translated for the church. The word is ekklesia, and it literally means "the community that is called out." We, the church, are not a collection of individuals who gather once a week. We are a community. We are not a private sect or club that gathers in secret where only members are welcome. We are a public community. The church is a public community that is called out of darkness to walk in the light of Christ so that the world can see a picture of the kingdom of God.


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W-Systems COVID-19 Business Continuity Read More
Define, capture and visualize Key Performance Indicators (KPIs) inside Sugar with wBenchmark.Watch a Demo Request a Quote
SugarCRM enables businesses to create customers for life with the world's first intelligent, no touch customer experience (CX) platform. W-Systems offers a series of add-ons to Sugar to extend its core capabilities.
With wBenchmark, you can define, capture and visualize Key Performance Indicators (KPIs) inside Sugar.
wBenchmark adds the unique capability to capture and store KPIs from any Sugar standard or user-defined modules at specific points in time such as daily, weekly, monthly, quarterly, and yearly periods.
Easily follow your KPIs with wBenchmark's chart dashlets.
wBenchmark captures and stores KPIs from any standard or user-defined period.
Set up metrics that suit your specific business needs.
Configure team or indiviual goals and and compare them against your metrics.
wBenchmark enables you to create chart dashlets containing easy to follow data on your KPIs, and add them to your Sugar dashboard.
wBenchmark automatically adds a new Metrics Definition module, where users can add new metric definition sets and detailed metric definitions.
wBenchmark adds a Goals module where Goal sets can be added for users, teams or user in teams. Goals can be defined for any recurring time period and may be different at different points in the year. wBenchmark also adds a Default Goal Value tab.
If you need to create several goals for your metric definitions, wBenchmark enables you to import goals and skip the record creation process.
wBenchmark adds a new leaderboard chart type to visualize a team's relative performance on a specific KPI. The leaderboard chart can track progress to goals or compare against an average.
wBenchmark adds a new Time Series chart dashlet that displays metrics over time as either an Area Chart, a Line Chart, or Stacked Bar Chart.
wBenchmark allows you to measure and compare performance from any time period and can be customized to your specific targets, fiscal years, and company policies.
Sell, Serve, Enterprise, Professional: 9.3.x
Enterprise & Professional: 7.9.x*, 8.0.x*, 9.0.x
*Note: W-Systems regularly updates wBenchmark and introduces new features for the latest Sugar versions. Deprecated versions of wBenchmark compatible with older Sugar releases may lack some of the features listed on this page.
As a Top 5 Worldwide and Elite designated SugarCRM partner we have deployed Sugar to 100's of organizations. We are business analysts and developers, and we want to make Sugar fit your organization like a glove. Put us to the test, we love a challenge.
We publish a wealth of tips, customization examples, and reviews of useful tools that work with Sugar. To learn more visit our blog.Newsletter Sign Up
Download this datasheet to learn about wBenchmark's core capabilities.
wBenchmark costs $120 per year per license (min. 10 users) plus installation.
W-Systems installed our system and has been wonderful about working with us over a long period of time when something went wrong.
W-Systems provided our not-for-profit with outstanding guidance and support to customize and implement SugarCRM to manage a complex network of activities, properties and partner relationships. The outcome was a clear, user-friendly system for our team resulting in professional reporting for our funders and senior leadership. W-Systems provides a project manager who is accountable and responsive throughout the process and provided resources for us to manage our system effectively.
W-Systems is an experienced and diligent SugarCRM integrator and developer. They have worked on numerous integrations and implementation projects with us and have been a great partner.
We have worked with W-Systems for many years. Their service is stellar on every level, including the expertise and caring of their staff members.
We brought on W-Systems to take on a very complicated CRM upgrade. We chose W-Systems due to their knowledge around our system, and they had the resources to execute. Their PMs, dev team, customer service, and sales teams were all top-notch and responsive to our needs and feature requests. I'd recommend W-Systems to any company looking for a SugarCRM partner.
Responsive, helpful, thoughtful. They have been exactly opposite (in as positive of a way as possible) of the typical software sales approach. W-Sytems created my happiness with CRM.
I highly recommend W-Systems. We have a complex solution that integrates numerous different software application and databases. This requires several different team members at W-Systems for support. Their knowledge and ability to work together provide the timely support I need. I'm not surprised there are challenges and issues with the complex technology support I ask from them, what is surprising is they always keep it working. Thank you!
Our experience with the team has been nothing but positive. They are a valuable resource for SugarCRM integrations and enhancements as well as day-to-day support. Our Account Manager has always shared relevant and engaging content and there is a wealth of webinars and knowledge shared throughout the year by the company. A+++
Mark was instrumental in our upgrade to the latest version of GoldMine. Not only did Mark do the data conversion but he has subsequently resolved several issues that have surfaced with the GoldMine alarms & the daily backup process. Mark has been very accommodating to any contact I have made to either ask questions or resolve an issue. Previously we have worked with Bob thru the years to support our GM application and again very pleased with the support offered by Bob. I would highly recommend W-Systems Corp. for support.
Improve your organization's business intelligence capabilities with these four add-ons for your Sugar Instance and boost your company revenue!Read More
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Discover the allies that we think you should include in your daily work routine to achieve your targets successfully.Read More
Learn how to make more meaningful business decisions and ultimately grow your ROI by looking at how Business Intelligence (BI) fits into your SugarCRM strategy.Read More
Take a look below at 15 reasons why we love Sugar featuring employees from our sales, professional services, development, support, and marketing departments.Read More
Learn more about one of the new features from wBenchmark, the goal import tool which allows users to import goals from a CSV file.Read More
A look at wBenchmark, our Sugar add-on that enables you to capture periodic snapshots values of key performance metrics.
The June 2019 update to wBenchmark addresses issues found in previous versions.
The April 2019 update to wBenchmark addresses issues found in previous versions.


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Milton Keynes: 01908 014320
Bedford: 01234 987072
You can register by: contacting us on 01604 521055, or by clicking the button below to complete our online registration form.
The Staff Room is the region's only specialist Primary supply teaching agency, covering Northamptonshire and South Leicestershire.
Welcome back after the October half-term break. I hope you all had a very lovely, well-rested break.
I have been looking for more positive education stories in the news and I came across this lovely mother-daughter duo who have created a fun video for the Waste Wise Kids campaign launched by Encore Environment.
The video has been designed for the campaign to help children recognise the importance of recycling and schools across the county have been getting involved.
Particularly focussing on single use plastics, the video covers information on all the different types of waste, how they will impact our environment and their future, upcycling and recycling.
"Waste Wise Kids, which includes an on-site presentation, tasks and experiments, competitions and recycled handouts has so far engaged with more than 1,000 school children aged from four to 12 years old."
Feedback on this campaign has been extremely positive For more information about Waste Wise Kids how to book a presentation for your school, please visit encore-environment.com/waste-wise-kids
What are your thoughts? We want to hear from you! E-mail your comments to [email protected]
To read the Chronicle and Echo article "Northampton mother and daughter team up to teach more children to be 'waste wise' with school's program" please follow this link:
Article Written by: Jack Duggan, "Chronicle and Echo"
Photo Credit: bbc.co.uk
The Staff Room is committed to safeguarding and promoting the welfare of children and young people and expects all staff to share this commitment.


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Fixed Income Securities - Pricing, Hedging & Strategies
This program will give the participant thorough understanding of the fixed income securities used in the market. Bond market and pricing is explained in detail using spreadsheet modeling. Concept of swap valuation is also explained comprehensively. This is a one stop course for fixed income market and securities.
On successful completion of the program, you would be awarded the professional certification in "FIXED INCOME SECURITIES - PRICING, HEDGING & STRATEGIES" by Moody's Analytics and EduEdgePro.
- Pricing Models for Fixed Income Securities in Excel-VBA
- Comprehensive coverage on various credit derivatives
- Exhaustive reading material covering detailed sections outlined below
- Pre-requisite material on mathematics for Finance
- Understand and implement pricing of various fixed income securities and identify hedging strategy for the same
- Understand the Forward Rate Agreement & Swaps and their application in management of interest rate risk
- Build deep understanding of Bond Market
- Calibrate the model using market data
WHO SHOULD ATTENDTThis course is aimed at those with a solid financial background who wish to explore the more advanced aspects of Equity Research, financial modelling and valuation methodologies, including:
- Global financial services industry (as a provider, user, regulator or advisor of product/services, marketplace/exchange) would benefit from innovative solutions
- Financial Institutions
- Commercial Banks
- Investment Banks
- Financial Controllers
- Accountants and Auditors
Fast Facts
This section introduces the bond market and money market to the participant. Structures of various fixed income products like forward rate agreements, interest rate swaps, coupon only swaps etc. are explained in detail.
Bonds and Money-Market and their Instrume
- Characteristics of fixed income markets
- Characteristics of Bonds
- The Role of the Central Bank
- T-Bills
- Certificates of Deposit
- Bankers' Acceptances
- Commercial Papers
- Interbank Deposits
- Repo and Reverse Repo Market Instruments
Fixed Income Products & Features
- Forward Rate Agreements (FRAs)
- Interest Rate Swap (IRS)
- Currency Swaps
- Cross Currency Swaps (CCS)
- Coupon Only Swap(COS)
- Interest Rate Caps/Floors
- Swaptions
- Interest Rate Spreads
- Interest Rate Collars
- Exotic Interest Rate Structures
This section is designed to introduce bond market. The participants will understand yield, yield curve, bond pricing. The course comprehensively explains concept of Macaulay duration, modified duration and convexity.
Categorization of Bonds
- Categorization by Issuer
- Categorization by Coupon and Maturity
Characteristics of Bonds and Interest Rates
- Present Value, Price and Yield
- Relationship between Price and Yield
- Yield Curves
- Behaviour of Market Interest Rates
- Characteristics of Spot and Forward Term Structures
Bond Prices and Yields
- Introduction to Bond Pricing
- Present Value Formula
- Time-Value of Money
- The Mathematics of Discounting
- Nominal versus Real Interest Rates
- Time Basis and Compounding
- Frequency Conventions
- Continuous Compounding
The Yield Curve, Bond Yield, and Spot Rates
- Practical Uses of Redemption Yield and Duration
- The Concept of Yield
- Yield Comparisons in the Market
- Measuring a Bond's True Return
- Implied Spot Rates and Market Zero-Coupon Yields
- Spot Yields and Coupon-Bond Prices
- Implied Spot Yields and Zero-Coupon Bond Yields
- Determining Strip Values
- Strips Market Anomalies
- Strips Trading Strategy
Duration and Convexity
- Macaulay Duration
- Modified Duration
- Convexity
- Duration–Convexity Approximations to Bond Price Change
This section is a buildup on the previous section. It focuses on term structure of interest rates, PV01 hedge etc. Modeling of term structure of interest rate is also covered. Interest rate modeling is explained using Short-Rate Processes, Ito's Lemma, One-Factor Term-Structure Models, Two-Factor Interest Rate Model.
Term Structure of Interest Rates
- Definition and Properties of the Term Structure
- Bootstrapping spot rates and forward rates
- The Pure Expectations Theory
- The Pure Risk Premium Theory
- The Market Segmentation Theory
- The Biased Expectations Theory
Present Value of Basis Point
- PV01 and Value Duration
- Approximations to PV01
- Understanding Interest Rate Risk
Modeling The Term Structure Of Interest Rates
- Modeling the Yield Curve Dynamics
- The Binomial Interest-Rate Tree Methodology
- Continuous-Time Models
- Arbitrage Models
Interest Rate Modeling
- Basic Concepts
- Short-Rate Processes
- Ito's Lemma
- One-Factor Term-Structure Models
- Two-Factor Interest Rate Model
- Vasicek Model
- Hull-White Model
- Cox-Ingersoll-Ross (CIR) Model
- Brennan-Schwartz Model
- Extended Cox-Ingersoll-Ross Model
- Heath-Jarrow-Morton (HJM) Model
- The Multifactor HJM Model
Inflation-Indexed Bonds
- Basic Concepts
- Choice of Index
- Indexation Lag
- Coupon Frequency
- Type of Indexation
- Index-Linked Bond Cash Flows and Yields
- TIPS Cash Flow Calculations
- TIPS Price and Yield Calculations
- Assessing Yields on Index-Linked Bonds
- Which to Hold: Indexed or Conventional Bonds?
- Analysis of Real Interest Rates
- Indexation Lags and Inflation Expectations
- An Inflation Term Structure
Convertible Bonds
- Characteristics of Convertible Bonds
- Pricing Models for Convertible Bonds
This section is aimed at explaining the concept of swaps. Concepts of The Key Principles of an Interest Rate Swap Generic Swap Valuation, Zero-Coupon Swap Valuation, Calculating the Forward Rate from Spot-Rate Discount Factors are some of the many concepts covered.
- Interest Rate Swaps
- Market Terminology
- Swap Spreads and the Swap Yield Curve
- Generic Swap Valuation
- Intuitive Swap Valuation
- Zero-Coupon Swap Valuation Calculating the Forward Rate from Spot-Rate Discount Factors
- The Key Principles of an Interest Rate Swap
- Valuation Using the Final Maturity Discount Factor
- Non–Plain Vanilla Interest Rate Swaps
- Swaptions
- Valuation
- Interest Rate Swap Applications
- Corporate and Investor Applications
- Hedging Bond Instruments Using Interest Rate Swaps
Forward Rate Agreements and Interest Rate Swaps
- Forward Rate Agreements
- Interest Rate Swaps
- Cash Flows on Vanilla Swaps
- Cross-Currency Swaps
Hedging through Fixed Income
- Hedging Bond Instruments Using Interest Rate Swaps
- Hedging INR Floating-rate Liability
- Hedging USD Floating-rate Liability
- Managing Rates and Currency Risk
- Hedging through Cross Asset products
Hedging Interest Rate Risk
- Caps
- Floors


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For people who want the wind to catch their sail and lift them into the sky or guide them through the water, those in Duck, NC, are surrounded by opportunities to try windsurfing and parasailing in the Outer Banks – literally. The ocean and sound environments provide excellent windsurfing spaces – it's a near-constant thing to do in Duck, NC, with almost always some sort of wind stirring up the surf. Thrill seekers looking for a new way to sightsee will appreciate birds-eye views of the area when they try parasailing in the Outer Banks. Watersports outfitters can set up customers with windsurf equipment and gear for other aquatic activities. For people ready to take to the skies, the number of businesses that let you try parasailing in the Outer Banks is continuously growing in Duck, NC, and the north beaches.
Things to Do in Duck, NC: Parasailing in the Outer Banks
Including Windsurfing in Duck, NC


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Entre em Contato
Perfeição a cada segundo
Comunicação remota em Tempo Real
Cameras e eaquipamentos
Sobre nós
A empresa Grupo Ramos nasceu de um sonho de prover um serviço de qualidade para todos que queiram um ambiente seguro seja em sua casa ou em sua empresa.
Por isso trabalhamos diariamente para oferecer qualidade a preços acessíveis para todos nossos clientes, construindo relações a longo prazo com os nossos fornecedores e investindo em treinamento e capacitação profissional de nossos colaboradores, visando assim a satisfação e fidelização de nossos clientes.
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You can keep your home comfortable all year round with an HVAC system. Many homes already have this type of system in place, but they may need to be upgraded or even replaced at some point. Understanding how to properly maintain your system will help you out when it comes to repairs. These tips will help a lot!
Be aware of the type of system that is installed in your home prior to calling a contractor to fix it. Write down the brand and the model and have all maintenance records on hand. Then, you'll be ready to tell the contractor what they need to know.
Understand what you want before talking to a contractor. It's hard to get an estimate since they haven't look at your system. If you don't have any idea, they will have trouble giving you any sort of quote. Understand this information beforehand.
Outside Condenser
Your outside condenser fan can be helped to run better by you cleaning the fan blades and coils prior to summer starting up. The power to the unit should be removed before you begin any maintenance, even cleaning. Remove leaves and debris from the outside condenser.
Make sure clippings don't get on your outdoor units when your mowing your lawn. Get the grass shot away from your unit. This also applies to leaf blowing and any other yard work that results in debris.
Fall is a hard time on HVAC units. Clean outdoor units often to remove leaves. The air needs to be unobstructed into the fan, and any blockages create performance issues for the whole system.
HVACs are great investments since they can keep your home comfy all year. When you need to get a new system or seek repairs, keep this guidance in mind. They will assist you in getting what you want with respect to your HVAC system.
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Work Party - 01 Dec 2019
Work Party - 03 Nov 19
Work Party - 06 Oct 2019
We all met at the pumping station on the canal side of the reserve and began work on the lake edge just north of Kingfisher Hide. Our job was to clear the ground so that sunlight could reach the lake edge ground to encourage, among other things, small bird life. This meant felling sapling, sycamores and alders and pollarding some hawthorns. We stripped the saplings to make poles for possible use at a later date by us or the Trust and stacked them by the pumping station.
Work Party - 01 Sep 2019
Having read the report we did of FoSL's 659 volunteer hours spent on the reserve in 2018, Cllr Paula Hiscocks decided to come and see us for herself and at the same time to familiarise herself with the district's premier nature reserve.
Cllr Paula Hiscocks with a FoSL Work Party - 1 Sep 2019


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Hard At Work Episode #112: Matt and Nick Run Out of Time
Podcast: Play in new window | Download (Duration: 59:53 — 82.3MB)
Subscribe: Apple Podcasts | Android | RSS
On this week's lunch break, the guys blabber on so long they don't have enough time to introduce the new segment they had planned. Instead, they talked about Nick's Megacon experience, Robert Pattinson's Batman casting, the effects of vanity, Nick being a sad weirdo, and of course, the Game of Thrones Finale. One of these days Matt and Nick will figure out how to pace a show, but until then, enjoy!


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July 2020
Paddle Maine Monday: Boothbay Harbor
Sea Kayaking – Boothbay Harbor – Opportunities abound from the Knickerkane boat launch. We may explore the inner islands of Ram, Little Ram, Powderhorn and Spectacle, or depending on the weather, we may have the opportunity to take a more ambitious route to the Cuckolds, a pair exposed rocky islands at the entrance to Boothbay Harbor. The quintessential Maine scene, a lighthouse on the rocky coast, will great us as we explore this rocky coastline that sports three lighthouses. Your…Find out more »


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Category: Science
If Science Is From Hell, Where Are Politicians From?
A couple of days ago, I read on Slashdot that Representative Paul Broun (Georgia – R) said evolution, the Big Bang theory, and embryology are "lies straight from the pit of hell." Apparently, he believes that they are designed to lead people away from thinking that they need a savior. I'm guessing this means that he thinks that science is evil and must be stopped. (Broun seriously believes that the Earth was created as-is only 10,000 years ago. As such, any proof to the contrary must be evil. Therefore all of science is evil.)
This would be troubling enough (an anti-science politician), but Broun is on the House Committee on Science, Space and Technology. Yes, this guy is making decisions that affect science in this country while also saying that science comes from hell.
This is so wrong that I almost don't know where to start. First of all, science is important to the future of our country. If we were to (magically) roll back our country to the 1800s, I doubt we'd be a leader in anything anymore. The United States would become a third world country which would be subject to the whims of other countries (like, for example, China or India) who put more emphasis on science and technology.
Our modern life is impossible without science. Computers wouldn't function if we didn't have a very good handle on physics. Medicine would be useless without biology and chemistry. Cell phones would be expensive paper weights without many different branches of science which contribute to building and maintaining both them and the satellite networks that make them useful.
We need representatives that will lead us into the future, not drag us back into the past. If you are on a science committee and declare that science is evil, this should be grounds to be kicked off the committee. It would be akin to a high ranking department of defense official saying we should totally disband our armed forces or a member of the SEC saying that insider trading really isn't that big a deal.
As the image above says: The Stupid… It Burns!!!
NOTE: The "Fire Icon" in the image above comes from zeimusu via OpenClipArt.org. (I added the text to it.)
The Lonely Universe
I'm a big science fiction fan. A staple of science fiction is alien civilizations making contact with humans. Of course, we've yet to actually make contact or even find non-intelligent life out there. This isn't to say that we haven't looked. We have. We have detected planets outside of our solar system. We have even sent probes to other planets within our solar system. So why haven't we found alien life? Perhaps it is just that the Universe is a big place.
The following is an image that the Hubble Space Telescope took of a tiny fragment of the sky.
Just how tiny? Well, this box shows the segment of the sky involved next to the moon.
That first image shows a lot of galaxies. Over 5,500, actually. In the entire Universe, there are 100 billion galaxies. Each galaxy has billions of stars. If only one hundredth of one percent had planets and only one hundredth of one percent of those had life and only one hundredth of one percent of those had intelligent life, there would be millions of intelligent life forms out there. So where are they? Why haven't we heard any alien signals by now? Why haven't the aliens heard our signals?
My personal theory is that time, language, and distance are the main factors. As I discussed previously, stars are very far apart from one another. We've only been sending signals into space that alien civilizations could detect for under 80 years. Already, we're transitioning to technologies that might be harder for a hypothetical alien to detect. For example, we're moving towards television transmitted via a wired Internet connection instead of via a TV tower that blasts the signal in all directions (including into space). As we do this, there will be less and less for aliens to detect.
Perhaps civilizations send out a blast of detectable signal before vanishing behind wired connections. If so, time works against us (and our hypothetical little green friends) in another fashion. When the alien signals pass us by, are we able to detect them? Perhaps the alien version of daytime TV was flooding past our planet, right there for anyone to pick up, but we were stuck in the Dark Ages. Maybe, while we were frightened of demons in the dark, proof of alien life was passing right in front of us. Possibly, a similar thing will happen with us. When old I Love Lucy broadcasts transmit past a planet with alien life, will the aliens be technologically savvy enough to detect it?
That brings us to the second point: Language. Specifically, would we recognize a signal as alien as opposed to gibberish. Suppose you didn't understand Russian at all. If you heard five recordings, four with nonsense words and one of someone speaking Russian, it might be tough to pick out the real language. Now give that language an alien origin and see how you do. Now compress that signal using a method devised by aliens and would you even be able to tell that it wasn't background noise?
Finally, we get to distance. Like I said earlier, there's a huge distance between the stars. There's an even bigger distance between galaxies. Perhaps aliens are out there all around us, but we can't see or hear them because they are so far away. If an alien was in the Andromeda Galaxy, one of the nearest galaxies to ours, they would be over 2.5 million light years from us. This means that a message sent from them would take over 2.5 million years to reach us.
Science Fiction supposes a way to travel and communicate faster than light, but suppose science fiction is wrong. Suppose that the speed of light is the ultimate speed limit in the Universe. There could be millions of alien civilizations out there, all looking up at the stars and asking the same question: "Is anyone out there? Are we alone in the Universe?"
NOTE: The Hubble images come from here and here. Both images are free for anyone to use as are many other wonderful images from the Hubble Space Telescope.
Hands On Scientific at GE Kids Day
Amongst the animals, costumes, bounce houses, food, and other festivities, there was a booth that promised to show kids some scientific tricks. Now, this could have been a boring booth, avoided by all, but it wasn't. The demonstrations here not only educated, but were entertaining as well. Best of all, they encouraged the kids to get involved in the experiments and were things we could pretty easily replicate at home.
First up was the tornado tube. This is a classic experiment that involves two soda bottles and colored water. One bottle is filled with water and connected to the other, empty bottle. They are turned so that the full bottle is atop the empty one. The bottles are twirled slightly and the water runs from top to bottom. As it does so, though, it forms a vortex, a tornado captured right in your own house.
(NOTE: You can't simply hold the bottles together. You might be successful, but you're much more likely to have a spill on your hands. There are special connector pieces that are made just for this very activity.)
After this, we moved on to another soda bottle. This one had a small amount of rubbing alcohol in it, a stopper plugging it up, and was connected to a pump. The boys were told to pump the handle a few times. When they were done, the stopper was removed. All at once, a loud popping noise was heard and the formerly clear bottle was filled with a cloudy substance. There was a cloud in the bottle!
Of course, I knew I wouldn't be able to convey just how quick this happened using mere photos, so I shot a video of it as well.
How did this happen? Pumping air into the bottle increased the air pressure in the bottle. When the stopper was pulled, that air went rushing out. The sudden drop in air pressure lowers the temperature and the evaporated rubbing alcohol in the bottle condenses. This condensation takes the form of a smoky cloud. (To see how to perform this experiment at home, see here.)
Next up was the water surface tension and cohesion test. In this test a jar with a mesh screen is filled with water. When it is turned over the water pours out. So far, so good. However, if it is filled with water again and an index card is held over the top as it is carefully turned over, the water will remain in place when the card is removed. Yes, the water will seemingly defy gravity and stay up in the air when it seems as though it should fall.
How does it do this? Water forms a membrane between the gaps in the mesh and the surface tension of this membrane keeps the water in. (Weird Science Kids has more on this experiment.)
Finally, was the color splash experiment. In this one, there were three small cups: One was filled with water, a second filled with oil and a third had water and oil. This experiment showed how density affects the behavior of liquids. A small drop of water-based food coloring was dropped in the water cup and the cup turned green. Then, a drop was placed in the oil. As expected, it sank to the bottom. It was explained that the water was denser than the oil, it weighed more and thus it sank.
But what about the third cup? In this one, a small amount of oil was floating atop some water. My boys were asked what would happen to the food coloring if it was dropped in there. NHL guessed that it would stay together. Secretly, I "knew" he was wrong and that it would sink to the water layer and then turn the water green. Guess what? I was wrong and NHL was right. NHL even guessed, when prompted, that it was due to the oil.
As the food coloring sank through the oil, it got itself a nice oil coating. This coating kept it from mingling with the water below. Once the food coloring blob was disturbed, though, the oil bubble popped and the color mixed into the water just as before.
All in all, my boys loved these science demonstrations and it is making me wonder what other science demos I can show the boys in my own house.
Have you ever run any cool science experiments at home for your kids? If so, what did they consist of?
Science Museum Fun
On Saturday, my parents were in town and we were trying to decide what to do with them and the boys. At first, we thought about Hoffman's, a local amusement park, but the clouds in the sky threatened to rain (and carried through on their threat once or twice). Then, we tried to go to the New York State Museum, but there was some event going on that shut much of that area down. After finding a spot to park and regroup, we decided to go to the Children's Museum of Science and Technology.
We entered, paid, and found out that a show – Astronaut – was going to begin in a minute or two. So we went there first.
When you enter the planitarium, you notice the odd seating arrangement. Except for some chairs at the back, all of the seating comes in the form of colorful mats to lay down on. These were surprisingly comfortable and afforded a great view of the screen as we looked up. Yes, the screen is on the ceiling.
The movie was great. It detailed just what astronauts need to do to get ready to go into space and what dangers awaited them. ("Chad" better get some hazard pay after he was killed so many times!)
After the show, we wandered around the museum. Since this is a children's museum, not only are kids allowed to touch most of the exhibits, they are encouraged to. We rotated windmills to generate power for a town. JSL touched a snake. We saw two owls. We (well, the boys and I) entered a beaver's lodge. JSL rowed a canoe. We even made some virtual trees grow by touching a wall.
There was too much to describe everything, so instead here are a series of photos from our visit.
In the end, this was a fun and educational excursion. Given that it is inexpensive as well (adults and children over 2 are only $5 each and shows are an additional $1 each), I could definitely see this becoming a repeat destination.


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Help us sponsor the refreshments and get a booth, a medium logo on our website & other marketing
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End of Contract Recharges
At the end of a lease, the last thing you want to be confronted with is an invoice for damage to the car you've been driving for the last three or four years. This, unforseen charge can make the cost of leasing the vehicle a lot more than you originally thought.
What is Fair Wear and Tear?
Fair Wear and Tear occurs when normal usage causes deterioration to a vehicle, and is not to be confused with damage occuring as a result of a specific event or series of events such as; impact, innapropriate stowing of items, harsh-treatment, negligent acts or omissions.
Every lease comes with different end of contract damage recharges, at Prospectus Vehicle Solutions we would always advise any prospective customer to check out the Returns Standards/ Fair Wear and Tear Policy before taking out any lease. Adding unforseen recharges to the cost of your lease, can make the cheap lease you thought you had, more expensive than you thought, and more expensive than a lease with higher monthly rentals but less harsh end of contract terms.
There are well documented instances of end of contract recharges from non BVRLA member companies charging their customers over £6,000. If you split this cost over the lease, the cheap monthly payments are not so cheap anymore. For example, if you are recharged £1,000 for a 3-year lease, this typically equates to an additional £26.31 per month onto your rentals.
Your leasing company will be able to provide you, if requested, a copy of the Fair Wear and Tear guidelines before commencement of any lease.
The BVRLA have published a list of things you can do to protect yourself against end of Contract Recharges, which is to be used in conjunction with your guidelines:
- Carry out an appraisal of your vehicle 10 – 12 weeks before it is due for return. This will allow you time to arrange to have any unacceptable wear and tear rectified.
- Appraise the vehicle as honestly as you can, and be objective. Ask a friend or colleague to help you.
- Choose a time and place with good light, as appraisals carried out in poor light will probably miss some faults. This is how the company will examine your vehicle, and if the weather is wet or dark, or your vehicle is dirty they will reserve the right to re-appraise the car in the light.
- Before appraising the vehicle, make sure that it has been washed and is thoroughly clean, but remember to allow time for it to dry. Water on the paintwork can mask faults.
- Walk all the way around the vehicle and examine closely each panel including the roof, bonnet, doors and body for any damage. Observe where the light is reflected differently from dents and scratches.
- Crouch or kneel down at the front and rear of the vehicle, and look along the bodyline on each side. This will help you see any scratches and dents that may otherwise be difficult to spot.
- Inspect lamps, lenses, windows and mirrors for chips, cracks and holes.
- Check the tyres (including spare) for damage. Check that the wear on the tread across each tyre is even. Inspect wheels, wheel trims and wheel spokes for scratches and deterioration.
- Clean the interior.
- Check upholstered areas for tears, burns, stains and wear.
- Inspect all controls, including audio equipment and accessories – they should be present and fully functional.
- Check the owner handbook is present and that the service book is up to date.
- Ensure that all keys are available.
When the vehicle is collected, a representative from the leasing company must check and agree on the vehicle condition. All readily apparent damage to the vehicle will be noted on the vehicle collection sheet or hand-held device. You as the consumer need to ensure you are happy with the inspection and ask for clarity where necessary.
If you have a dispute over recharges with a BVRLA Member Company
In the event of a dispute about the condition or damage to the vehicle, customers have the right to pay for an examination of the evidence by an independent qualified engineer, e.g. an engineer who is unrelated to the original inspection and agreed on by both parties. The engineer's decision will be binding on both the customer and the BVRLA member. If the engineer finds in the customer's favour, the BVRLA member will refund the reasonable cost of the examination to the customer.
On occasion, disagreements will arise between customers and BVRLA members that cannot be settled directly. Unresolved disputes can be referred to the Association by the customer and/or the member involved. More information on the BVRLA's conciliation service is available, contact us and we will be happy to assist you.
For Non-BVRLA Companies
The issue of recharges is a little more difficult to resolve, there is no body that can mediate between the two parties.
All prices for vehicles shown throughout our website are for funders registered with the BVRLA, meaning they adhere to the end of contract returns standards.
At Prospectus Vehicle Solutions we are able to help you with Manufacturer Finance, but excel where we are able to give all our customers the peace of mind associated with BVRLA regulated contracts.
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You are either stupid, ignorant, or intellectually dishonest.Originally posted by PeedeeShaolin
The entire NAVY said that Kerry's records are all in order but you never see Bush or the Republicans asking for forgiveness even though Bush's campaign lawyer was their advice man do you?
Why should one party act differently than the other?
The Kerry campaign and the 527 organization "MoveOn.org" share a lawyer as well. There are a limited number of lawyers who understand the new campaign finance laws. There is bound to be some overlap. At least the Republicans' lawyer attempted to remove the "appearance of impropriety" by resigning. You'll find that the Democrat lawyer is still working for both organizations.
The Navy has also stated that Kerry has not authorized the release of ALL his records. What he has authorized for release is there, but it is incomplete.


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"ULTIMATE GUIDE 2020" - Sell My Property Portfolio - Learn 6 ways to sell your property portfolio - that all work - in 2020 - - - - -
Sell my property portfolio - selling options guide
If you're finding yourself now thinking "I Want To Sell My Property Portfolio" – but you're not too sure how to go about it – then we've put together this SELLING OPTIONS GUIDE for you. This guide will allow you to compare and contrast SIX different property portfolio buyers – to answer the question: "How Do I Sell My Property Portfolio?".
Your reasons for selling?
There's lots of reasons you might be considering selling your portfolio at this time. For example you might be looking to "Gain Freedom" from "Negative Equity" and the endless "Tenant Duties, New Regulations And Taxes". Or you might be in the fortunate position to be able to "Cash In On The Equity" - and go have some fun whilst spending the profits on that "Long Time Dream Holiday".
Whatever your situation and whatever your motivation "There's A Selling Solution Out There That's Perfect For You" - if only you had all the information you needed to be able to be able to sell with confidence.
Six selling methods
There's "SIX Selling Methods Featured In This Guide" ranging from getting someone else to do all the selling work for you - where you'll pay hefty fees for the privilege. Through to selling your portfolio yourself - with minimal costs - but with a high demand on your skills and time. Or you could consider selling to a Specialist Property Portfolio Buying Company such as ourselves - where your time will be minimal and selling fees will be zero.
The aim of this guide
The aim of this guide is simple. And that's to give you all the information you could ever need - to confidently go about the task of selling your property portfolio - without ever needing to worry whether you made the right choices or not.
Phil Calladine - portfolio consultant
WHY READ THIS GUIDE? - Reading this guide will go a long way towards answering the question - "What's The Best Way To Sell My Property Portfolio?".
- WHO IS THIS GUIDE FOR? - This guide is for anyone who has a UK based property portfolio - and is considering selling right now - or perhaps in the next few months?
- WHAT'S COVERED? - The guide covers "SIX Different Ways To Sell Your property Portfolio" - giving you the seller - all the pros and cons of each of the selling methods.
- WHY IS THIS IMPORTANT? - This knowledge will allow you to Choose "The Perfect Way To Sell Your Portfolio" - for maximum price whilst paying minimum tax.
the merits of each selling method
There are merits to all SIX methods of selling - and the method that's perfect for you will in some way depend on a number of factors such as:
- How much of the profits do you want to keep?
- How much spare time do you have?
- Do you need to sell quickly?
- How competent are you at marketing for buyers?
- How much built-in equity do you have? (risking a high Capital Gains Tax bill - if you sell all properties at once).
- Are any of your properties in Negative Equity?
How to read this Guide
- OVERVIEW - If you're simply wanting a quick overview of the SIX selling methods - read through this guide from start to finish.
- LEARN MORE - If you're wanting further details on any of the SIX selling methods then click on the strategy(ies) you're interested in where it says: "LEARN MORE - CLICK HERE".
SIX selling Methods
Sell my property portfolio
Property Portfolio Sales
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Property Portfolio Sales Are A Specialist Property Portfolio Buying Company based in Lymm, Cheshire UK – with over 15 years experience buying property portfolios throughout the UK.
bespoke portfolio buying solution
Because every portfolio is so unique and different - Property Portfolio Sales provide clients with a "Bespoke Portfolio Buying Solution" that's tailor made to each portfolio. There's really only one aim - and that's to ensure portfolio owners "Keep More Of The Profits" whilst "Paying The least Amount Of Tax Possible" - based on individual circumstances.
Property Portfolio Sales have The Unique Ability To Purchase Any Portfolio - Of Any Size - In A Variety Of Ways. For example portfolios with equity can be purchased for cash. And any portfolios subject to a large Capital Gains Tax bill - upon a sale - can be purchased over a managed period of time using advanced options contracts - to ensure tax is minimised.
ongoing issues - no problem
Portfolios with Ongoing Issues such as negative equity / tenant problems / poor stock / rental arrears / commercial elements (shops - HMO) etc can all be purchased. In fact most portfolios contain some sort of issue - so this is considered quite normal.
No Fees to pay and Unlimited Consultation Time GUARANTEE.
key features - at a glance
- Portfolios purchased? - YES
- Portfolio Buying experience - YES
- Large Portfolios Purchased? - YES
- Hands-free sale? - YES
- Selling Fees? - NO
- Ability to sell quickly - YES
- Creative Purchasing Options - YES
- Problem Portfolios Purchased - YES
- Negative Equity Friendly - YES
- Capital Gains Tax strategies? - YES
- Commercial Element, HMO, shops etc? - YES
glossary of features - click here
Learn more?
To learn more about "selling your property portfolio to property portfolio sales" - Click Below
Auction House
2) Selling via an auction house
Take a look through the auction catalogues and websites of property auction houses and You'll See Property Portfolios For Sale alongside individual properties. So selling via an auction can definitely work for you.
Housing Auctions Have Become Very Popular These Days - largely due to UK TV programs such as "Homes Under The Hammer" where the auctioning process seems so simple - maybe too simple?
properties that sell at auction
A property auction is a place for buying and selling many different types of properties such as:
- Houses and Flats.
- Commercial Premises - pubs and clubs, hotels etc.
- Commercial Property Businesses
- Land for Development.
Your property portfolio falls firmly into Category 3 above - "Commercial Property Businesses". That's because Your Property Portfolio Is An Income Generating Machine In Its Own Right - just like any other income generating business.
as quick as 6 - 10 weeks
The entire auctioning process can be as quick as 6 - 10 weeks. This time period includes a month prior to the auction and a month afterwards. And one of the key advantages of selling your portfolio at auction is that As Soon As The Auctioneers Gavel Drops - This Signifies The Sale Of Your Portfolio and there's no going back. So you the seller then have certainty of sale - but only if the auction house actually finds you a buyer.
Our research suggests you'll be paying around 2.5% Of Sale Price + Up To £1,300 In Legal Fees Per Property. Though you may be able to negotiate a discount depending on the size of your portfolio.
key features - at a glance
- Portfolios purchased? - YES
- Portfolio Buying experience - CHECK
- Large Portfolios Purchased? - CHECK
- Hands-free sale? - YES
- Selling Fees? - YES
- Ability to sell quickly - YES
- Creative Purchasing Options - NO
- problem portfolios Purchased - YES
- Negative Equity Friendly - NO
- Capital Gains Tax strategies? - NO
- Commercial Element, HMO, shops etc? - YES
glossary of features - click here
Learn more
To learn more about "selling your property portfolio via an Auction House" - Click Below
Business Broker
3) Selling via A business broker
You may be thinking that business brokers only sell commercial asset types such as office blocks, factories, warehouses, shops, public houses, hotels etc. However it's quite normal that business brokers will also Advertise Residential Property Portfolios For Sale.
You've probably worked with local estate agents in the past when buying or selling a residential property. So you can Think Of A Business Broker As An Estate Agent For Businesses rather than for homes.
Your portfolio is a business
Business brokers are skilled professionals who are there to help people buy and sell businesses. And because your property portfolio generates an income from rent - you can think of it as a business and not just a collection of houses anymore.
I'm sure you'll agree that the proposition of selling an entire property portfolio represents a far bigger challenge than selling just a single residential property. It probably won't be so easy for you to sell your portfolio as individual houses anymore to owner occupiers.
Not without a lot of hard work splitting the portfolio up and selling each property individually. Though this is of course possible if you have the time and skills available.
Money over emotion
Potential buyers for your portfolio will undoubtedly have Money As The Key Driver Rather Than Emotion. Potential buyers are far more likely to be interested in Return On Investment and Capital Appreciation - rather than what colour the curtains are and how nice the bathroom is.
- Return On Investment (ROI) - Here we're referring to how much return an investor will get back for the money they have invested? For example an Investment of £1,000,000 that gives an 8% ROI will Return a profit of £80,000 per annum.
- Capital Appreciation - Here we're referring to the likelihood of property prices increasing over the period of time an investor owns the property? For example a property that is purchased for £100,000 and is then sold for £200,000, 10 years later - will have a 2 X Capital Appreciation.
There are many business brokers who sell established property businesses including property portfolios. The good news is that they can all be found online via their comprehensive websites.
Some examples are Daltons, ASG Commercial, Blacks Business Brokers, and many more besides.
Our research suggests you'll be paying Around 10% Of The Actual Sale Price as the business broker's commission.
key features - at a glance
- Portfolios purchased? - YES
- Portfolio Buying experience - CHECK
- Large Portfolios Purchased? - YES
- Hands-free sale? - YES
- Selling Fees? - YES
- Ability to sell quickly - CHECK
- Creative Purchasing Options - NO
- problem portfolios Purchased - YES
- Negative Equity Friendly - NO
- Capital Gains Tax strategies? - CHECK
- Commercial Element, HMO, shops etc? - YES
glossary of features - click here
Learn more
To learn more about "selling your property portfolio via a business broker" - Click Below
Sell Portfolio Yourself
4) Sell your portfolio by selling it yourself
Selling your property portfolio without using a high street estate agent is now so much easier and affordable than ever before. That's because in these days of the internet – There's Never Been So Many Options Available For You To Sell – without ever needing the help of your local estate agent.
Go back just a few short years - before the internet - and you'd struggle to sell any property without using a high street estate agent. That's because it would be impossible to market your portfolio to prospective buyers in your local area. Let alone try to market your portfolio to investors based in other parts of the UK - or other parts of the world.
But thanks to the internet that's all changed.
There's 2 approaches
There are 2 approaches to selling the properties in your portfolio by your own endeavours.
- Online DIY - You can advertise via an online estate agent such as Visum - but perform all of the estate agent work yourself. What you're getting from this type of online estate agent is access to advertise on house selling websites such as Rightmove, Prime Location, Zoopla etc.
- Online Estate Agent - Here you can advertise via an online estate agent - but let the estate agent do all the estate agent work for you. So to all intents and purposes this is the same as using a high street estate agent, but a less expensive online version. Some very well known online estate agents are Housesimple, Purplebricks, Yopa (there's many more).
Selling your entire portfolio is the same as selling an individual house or flat except you'll need to repeat the process multiple times over - depending on the number of properties in your portfolio.
So we'd probably advise that this is only possible if your portfolio isn't too large.
There's 2 Potential buyers
Because your portfolio is a rental portfolio ie it has tenants and is income producing - you'll need to think about who might want to buy your properties from you.
Our advice here would be to analyse the 2 potential markets you can sell to - which are:
- Investors - Here you're looking to sell your rental properties to fellow investors who want to continue renting out after they've purchased from you. And they'll probably be looking to continue with your existing tenants.
- Owner-occupiers - Here you're looking to sell your rental properties to owner occupiers. So that will mean (at some stage) evicting the tenants who are currently renting - to allow the new buyers to move in as owner occupiers.
You'll need to do some research as to which of the above markets you're wanting to sell to - investors or owner occupiers. Ideally you'll sell to a combination of both markets?
Because you'll be selling your portfolio by doing most of the work yourself - You'll Only Be Paying A Few Hundred Pounds For Online Marketing Access. So this is a much cheaper method of selling than via estate agents, business brokers, auction house, online property buyer - but will cost you more in time.
key features - at a glance
- Portfolios purchased? - SELF
- Portfolio Buying experience - NO
- Large Portfolios Purchased? - NO
- Hands-free sale? - NO
- Selling Fees? - SMALL
- Ability to Sell quickly - NO
- Creative Purchasing Options - NO
- problem portfolios Purchased - NO
- Negative Equity Friendly - NO
- Capital Gains Tax strategies? - SELF
- Commercial Element, HMO, shops etc? - CHECK
glossary of features - click here
Learn more
To learn more about "selling your property portfolio by selling it yourself" - Click Below
Estate Agent
5) Selling via an estate agent
You probably spent a good deal of time getting to know estate agents – when you first put your portfolio together. And possibly you're still on good terms with one or two of them – now it's come time for you to sell?
So it's definitely worth visiting a few of these agents again (including your favourites) - and asking whether they'd be able to sell your entire property portfolio.
Always keep in mind that the standard model of estate agents is to sell individual houses for home-owners and investors. And they don't usually get involved with selling entire property portfolios. So temper their initial enthusiasm - when you ask them about selling your portfolio - with a dose of reality at the enormity of the task you're asking of them.
Estate agents plus points
- Estate agents understand about selling properties - because that's what they do - day in day out.
- Estate agents have connections with lots of property people. So they might already know the perfect buyer for your portfolio - in their little black book of contacts.
And estate agents may be part of a bigger chain and have in-house expertise of selling property portfolios. So they may be able to sell your portfolio to multiple buyers ie split your portfolio to match different buyer needs.
does Size really matter?
Selling via an estate agent is probably going to work best if your portfolio is broadly in line with the following:
- A smaller property portfolio with let's say a maximum of 5 - 7 properties. Possibly more if your estate agent has a particular specialty at selling larger portfolios.
- A property portfolio where the individual houses are geographically close together. So they can be handled by a single estate agent.
Unfortunately - not all estate agents are created equally. So you need to select your agent very carefully and not rush into instructing the first one you speak to. They need to be able to demonstrate a past level of experience at selling entire property portfolios
Estate agents sales commission
Please also bear in mind that estate agents work on the sales commission they charge to sellers (not buyers). So it could work out very expensive to sell your entire portfolio via an estate agent. However you might be able to negotiate some sort of discount on their standard fees? Due to the large number of properties you'll be selling with them.
Our advice would always be to ask for a discount on their standard fees.
And you really need to understand - your exposure to Capital Gains Tax - when selling a number of properties over a relatively short period of time. Your accountant / Independent Financial Advisor will always be able to advise you further with this.
All estate agents charge a sales commission for selling properties. However these commissions have reduced over the last few years - mainly due to increased competition from online estate agents who have much lower overheads - and charge lower fees. Our research indicates a typical fee of £1,000 per property, though some still charge by a % of selling price.
key features - at a glance
- Portfolios purchased? - CHECK
- Portfolio Buying experience - NO
- Large Portfolios Purchased? - NO
- Hands-free sale? - YES
- Selling Fees? - YES
- Ability to Sell quickly - CHECK
- Creative Purchasing Options - NO
- problem portfolios Purchased - CHECK
- Negative Equity Friendly - NO
- Capital Gains Tax strategies? - NO
- Commercial Element, HMO, shops etc? - CHECK
glossary of features - click here
Learn more
To learn more about "selling your property portfolio via an estate agent" - Click Below
Online Property Buyer
6) Sell to an online property buying company
Online property buying companies have increased in numbers over the last few years – largely due to the popularity of search engines such as Google, Bing and the internet at large. These "We Buy Any House" Type Companies Can Buy Houses Very Quickly And For Cash.
So you may be wondering whether these companies are also capable of buying your entire property portfolio from you?
Is a quick house sale company right for you?
That's a question only you can answer. And your answer will largely be based on your need to sell quickly versus the amount of money you need to achieve.
Normally when someone who isn't under any time-pressure is asked the question: "how much do you want from the sale of your property" their answer is: "I'd like full price please".
However there are many circumstances - where getting SOME MONEY QUICKLY is more important than getting FULL MONEY SLOWLY - and it may be that a quick house sale company is the right choice for you here.
situations for a quick house sale
There are quite a few situations where it's desirable - or even downright necessary - to sell property(ies) quickly - for example:
- When money from a property sale is needed to pay off urgent debts.
- Where money is needed to inject into a business.
- When you've just been offered your dream job abroad - and need to sell quickly.
- When a property portfolio has been inherited (along with all the hard work involved) and it's costing money to keep - with mortgage payments, utility bills, council tax etc.
- Where an owner becomes ill - and the burden of owning a portfolio becomes too great.
- And many more reasons...
So if you're someone who needs (or wants) to sell quickly? And you're not too concerned about the price? Then you might want to consider this selling route.
Can companies that buy houses buy entire property portfolios?
Well the simple answer to the question "can companies that buy houses buy my entire property portfolio from me" is YES - so this is a selling route you can consider.
HOWEVER THE BIG TRADE OFF for selling a portfolio (or even just a single property) via one of these "sell house fast" companies is that they won't be paying anywhere near the full market value of your portfolio. In fact they'll only be paying around 75% of what your portfolio is worth.
- So let's say an individual house in your portfolio is worth £200K.
- And let's say the house buying company will only be paying you 75% of this price.
- That's a purchase price of £150K for a property that's actually worth £200K.
However they will usually pay all of your selling fees for you - such as solicitors and valuers etc. And you'll save on any estate agent fees - as there won't be any to pay.
Our research suggests you'll be giving a fast house buying company a 25% discount on the price of your portfolio. Although you should ask for a discount on this due to the quantity of properties you'll be selling to them. However all of your selling fees should be payed for out of this 25% discount - though please check.
key features - at a glance
- Portfolios purchased? - CHECK
- Portfolio Buying experience - CHECK
- Large Portfolios Purchased? - NO
- Hands-free sale? - YES
- Selling Fees? - 25%
- Ability to Sell quickly - YES
- Creative Purchasing Options - NO
- problem portfolios Purchased - CHECK
- Negative Equity Friendly - NO
- Capital Gains Tax strategies? - NO
- Commercial Element, HMO, shops etc? - NO
glossary of features - click here
Learn more
To learn more about "selling your property portfolio to an online property buying company" - Click Below
Sell My Property Portfolio
Sell My Property Portfolio - conclusions?
sell My Property Portfolio - recap
Within this guide you've learned about SIX different methods of selling your property portfolio – and you've discovered how they all have their different strengths and weaknesses. So The Selling Method That's Perfect For You Will Firmly Depend On Your Current Situation – and to some extent on your time-scales and priorities.
- For example somebody who's just inherited a 6 property portfolio from a parent will have very different needs from a long-term professional landlord with 250 properties - and who now wants to retire - and enjoy the profits.
- And someone who's in no rush to sell and just wants the best price humanly possible will have completely different drivers from a person with a failing business who's about to lose their family home - and who needs to sell AT THE SPEED OF LIGHT in order to raise much needed capital quickly.
I'm sure you'll agree - there really isn't a one size fits all here.
Property Portfolio Sales (that's us) are featured in this selling guide and we believe that our bespoke Portfolio Buying Solution represents one of the best ways possible for you to sell your property portfolio.
In fact we're so confident this that we've written this selling guide for you - which lists alternative ways for you to sell your portfolio - to allow you to compare and contrast and make your own mind up.
If you'd like a chat - or a portfolio Consultation - or anything else - then please don't hesitate to get in touch.
Kind regards
Phil Calladine - portfolio consultant


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What are some alternatives?
When comparing Wistia and YouTube, you can also consider the following products
Vidyard - Vidyard is a video marketing platform enabling customers to derive information on viewer-behavior for marketing automation systems and CRM.
Vimeo - Vimeo is a social media app that lets you share and capture videos. You can watch new videos in a variety of different categories, and you can share your own content right from your device. Read more about Vimeo.
DTube - D.Tube is the first crypto-decentralized video platform, built on top of the STEEM Blockchain and the IPFS peer-to-peer network.
Brightcove - | The Leading Online Video Platform |
Dailymotion - Dailymotion is a large online file sharing site that can prove to be a viable alternative to larger portals such as YouTube. If you have been hoping to enjoy videos even while offline this free Dailymotion download software is a useful option.
Kaltura - Video solutions for media, service providers, enterprises, and education - OTT TV, Webcasting, Enterprise YouTube, VPaaS – live and VOD.


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Australian Cattle Dog Intarsia Wall Art
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Intarsia is a process that dates back to 15th Century Italy. Each Intarsia Dog wood carving is hand-made in Wisconsin of native grown oak. Individual pieces are cut, shaped, sanded, stained, and then glued onto a plywood backing.
- Natural graining of the wood makes each item unique.
- Great gift for any dog lovers home decor!
- Measures approximately 9" x 13" and comes ready to hang on your wall.
- Personalized Banner can be added to any plaque. 1 line up to 8 letters
- Custom Staining available to match the colors of your dog. Please note on order and email/send us a photo referencing your order number.
- Ships direct from the manufacturer. (Please allow 5-10 business days (longer during Holidays)
- Free Shipping
Chihuahua Tan & White Bottle Stopper$11.95
Cavalier King Charles Spaniel DIG Welcome Stake$79.95
Chocolate Labrador Welcome Flowers Flag$21.95
Spoiled Rotten Yellow Labrador Retriever Magnet$2.95
Bull Terrier Summer Flowers Floor Mat$37.95
Wizard Costume w/Light-Up Collar$22.95
Love Lives Here Magnet$3.95
Norwegian Elkhound Intarsia Wall Art$109.95
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Vintage Burberry Nova Check Mini
♥ Rare Burberry nova check mini handbag
♥ The cutest hand-bag for any gal
♥ Due to the vintage nature of the handbag there may be tiny defects within the item
UK shipping is free and is dispatched using Royal Mail, first class signed for. This means you can track your item throughout it's journey. International shipping is also dispatched via Royal Mail, and also comes with a tracking number. Delivery to the UK should take no longer than 1 - 2 working days, and international delivery should be promptly with you within 5 - 10 working days. We do not take responsibility for lost or delayed items in the post.


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tenéis que hablar más de Óscar Romero.
Aventuras del Dakar 2019. Etapa 6
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Aventuras del Dakar 2019. Etapa 6
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Desert Oracle Radio hosted by Ken Layne
Desert Oracle Radio is a weekly road trip through the weird American desert from the publisher of Desert Oracle, the pocket-sized field guide published in Joshua Tree, California. Hear tales of mysterious lights, missing tourists, lost mines, venomous creatures, weird history and weirder people. Hosted by editor Ken Layne and featuring a cast of intriguing mystics, oddballs, scientists and artists, Desert Oracle Radio is your soundtrack for a desert night. The program is broadcast on Friday nights at 10 p.m. on KCDZ 107.7 FM in the Mojave high desert, with field reports from around and across the desert lands, and is distributed by Public Radio Exchange (PRX).
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Wayne J. Caputo, DPM, Podiatrist with Clara Maass Medical Center
Get to know Podiatrist Dr. Wayne J. Caputo, who serves patients in Belleville, New Jersey.
Dr. Caputo is the Director of the Wound Care Center at Clara Maass Medical Center – a community medical center in Belleville, New Jersey. Equipped with state-of-the-art technology and staffed with dedicated healthcare professionals, the Clara Maass Medical Center is prepared to provide advanced treatments for a wide variety of medical conditions.
The Clara Maass Medical Center was named after nurse Clara Maass, who dedicated most of her life to helping others. Her determination to save lives led her to participate in a bold yellow fever experiment in which she willingly subjecting herself to bites from infected mosquitoes. The experiment led to her death, but the study was instrumental in the eventual creation of a yellow fever vaccine.
Dr. Caputo received his medical degree from the New York College of Podiatric Medicine, a private podiatric college in New York City, New York. Thereafter, he completed his residency at Baptist Medical Center in Brooklyn, New York.
Podiatry or podiatric medicine is a branch of medicine devoted to the study, diagnosis, and medical and surgical treatment of disorders of the foot, ankle and lower extremity. A podiatrist, like Dr. Caputo, is a Doctor of Podiatric Medicine (DPM), known also as a podiatric physician or surgeon, qualified by their education and training to diagnose and treat conditions affecting the foot, ankle and related structures of the leg.
The procedures that Dr. Caputo most frequently performs are tendon injection and skin graft. His patients have wonderful things to say about him, one stating "Excellent doctor that cares about his patients, he loves what he does and makes you feel at home. Explains everything to you in simple terms so that a regular person can understand it. If you need a foot doctor, choose one of the best – Dr. Caputo"
In addition to English, Dr. Caputo speaks Spanish.
Learn More about Dr. Wayne J. Caputo:
Through his findatopdoc profile, https://www.findatopdoc.com/doctor/1866015-Wayne-Caputo-Podiatrist-Foot-and-Ankle-Specialist or through the Clara Maass Medical Center, https://www.rwjbh.org/doctors/wayne-j-caputo-dpm/
About FindaTopDoc.com
FindaTopDoc is a digital health information company that helps connect patients with local physicians and specialists who accept your insurance. Our goal is to help guide on you your journey towards optimal health by providing you with the know how to make informed decisions for you and your family.


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Due to the impact of Covid-19 (Coronavirus), the Pembrokeshire Coast National Park Authority has closed its headquarters, visitor attractions (Carew Castle, Castell Henllys and Oriel y Parc), its car parks and sections of the Pembrokeshire Coast Path until further notice. All meetings and events are cancelled until further notice. If you have any queries please call 01646 624800 or email firstname.lastname@example.com
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|Here are some of the frequently asked questions we receive from people wanting to work for the National Park Authority.
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Unconsenting Media
july 2019 by amy
a search engine for sexual violence in mediamedia culture violence sexism
july 2019 by amy
After 20,000 workers walked out, Google said it got the message. The workers disagree. - Recode
november 2018 by amy
Recode's Kara Swisher talks with six of the organizers of the Nov. 1 protests, who say the company's response has been deeply inadequate.google sexism
november 2018 by amy
The Next Civil Rights Issue: Why Women Aren't Welcome on the Internet - Pacific Standard: The Science of Society
january 2014 by amy
RT @Caterina: Reading this made me nauseated. Why Women Aren't Welcome on the Internet:feminism internet sexism
january 2014 by amy
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Women's Land Army Gallery
Available as Framed Prints, Photos, Wall Art and Gift Items
Choose from 16 pictures in our Women's Land Army collection for your Wall Art or Photo Gift. Popular choices include Framed Prints, Canvas Prints, Posters and Jigsaw Puzzles. All professionally made for quick delivery.
Fine Art
First World War
> Falmouth
> Feock
> Gwithian
> Helston
> Mylor
> People
> Perranarworthal
> Perranporth
> Ruan Minor
> Truro
> Unknown location
> Women's Land Army
Images Dated
Museum Objects
Royal Institution of Cornwall
Second World War
Group photograph with members of the First World War Women's Land Army, Tregavethan Farm, Truro, Cornwall. 1917
Women's Land Army Girls grouped in front of a hay cart with a soldier, Mr Alfred Martin (Tregavethan's owner, holding the dog's paw), Mrs Martin (seated directly behind the dog) and a nurse in uniform. The names of the girls are unknown and their uniforms consist of boots, gaiters, felt hats and pale fabric overalls. Some of the girls are wearing black armbands. Tregavethan was a Women's Land Army training centre during the First World War. Photographer: Arthur William Jordan
© From the collection of the RIC