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Glossary of most common terms used in real estate
Acceleration Clause
A clause in your mortgage which allows the lender to demand payment of the outstanding loan balance for various reasons. The most common reasons for accelerating a loan are if the borrower defaults on the loan or transfers title to another individual without informing the lender.
Adjustable rate mortgage (ARM)
A mortgage in which the interest changes periodically, according to corresponding fluctuations in an index. All ARMs are tied to indexes.
The loan payment consists of a portion which will be applied to pay the accruing interest on a loan, with the remainder being applied to the principal. Over time, the interest portion decreases as the loan balance decreases, and the amount applied to principal increases so that the loan is paid off (amortized) in the specified time.
Annual percentage rate (APR)
This is not the note rate on your loan. It is a value created according to a government formula intended to reflect the true annual cost of borrowing, expressed as a percentage. It works sort of like this, but not exactly, so only use this as a guideline: deduct the closing costs from your loan amount, then using your actual loan payment, calculate what the interest rate would be on this amount instead of your actual loan amount. You will come up with a number close to the APR. Because you are using the same payment on a smaller amount, the APR is always higher than the actual note rate on your loan.
A written justification of the price paid for a property, primarily based on an analysis of comparable sales of similar homes nearby.
Appraisal value
An opinion of a property's fair market value, based on an appraiser's knowledge, experience, and analysis of the property. Since an appraisal is based primarily on comparable sales, and the most recent sale is the one on the property in question, the appraisal usually comes out at the purchase price.
The increase in the value of a property due to changes in market conditions, inflation, or other causes.
Assessed value
The valuation placed on property by a public tax assessor for purposes of taxation.
Assumable mortgage
A mortgage that can be assumed by the buyer when a home is sold. Usually, the borrower must "qualify" in order to assume the loan.
Balloon mortgage
A mortgage loan that requires the remaining principal balance be paid at a specific point in time. For example, a loan may be amortized as if it would be paid over a thirty year period, but requires that at the end of the tenth year the entire remaining balance must be paid.
By filing in federal bankruptcy court, an individual or individuals can restructure or relieve themselves of debts and liabilities. Bankruptcies are of various types, but the most common for an individual seem to be a "Chapter 7 No Asset" bankruptcy which relieves the borrower of most types of debts. A borrower cannot usually qualify for an "A" paper loan for a period of two years after the bankruptcy has been discharged and requires the re-establishment of an ability to repay debt.
Bill of Sale
A written document that transfers title to personal property. For example, when selling an automobile to acquire funds which will be used as a source of down payment or for closing costs, the lender will usually require the bill of sale (in addition to other items) to help document this source of funds.
Bi-Weekly mortgage
A mortgage in which you make payments every two weeks instead of once a month. The basic result is that instead of making twelve monthly payments during the year, you make thirteen. The extra payment reduces the principal, substantially reducing the time it takes to pay off a thirty year mortgage. Note: There are independent companies that encourage you to set up bi-weekly payment schedules with them on your thirty year mortgage. They charge a set-up fee and a transfer fee for every payment. Your funds are deposited into a trust account from which your monthly payment is then made, and the excess funds then remain in the trust account until enough has accrued to make the additional payment which will then be paid to reduce your principle. You could save money by doing the same thing yourself, plus you have to have faith that once you transfer money to them that they will actually transfer your funds to your lender.
Broker has several meanings in different situations. Most Realtors are "agents" who work under a "broker." Some agents are brokers as well, either working form themselves or under another broker. In the mortgage industry, broker usually refers to a company or individual that does not lend the money for the loans themselves, but broker loans to larger lenders or investors. (See the Home Loan Library that discusses the different types of lenders). As a normal definition, a broker is anyone who acts as an agent, bringing two parties together for any type of transaction and earns a fee for doing so.
Adjustable Rate Mortgages have fluctuating interest rates, but those fluctuations are usually limited to a certain amount. Those limitations may apply to how much the loan may adjust over a six month period, an annual period, and over the life of the loan, and are referred to as "caps." Some ARMs, although they may have a life cap, allow the interest rate to fluctuate freely, but require a certain minimum payment which can change once a year. There is a limit on how much that payment can change each year, and that limit is also referred to as a cap.
Certificate of Eligibility (VA loans)
A document issued by the Veterans Administration that certifies a veteran's eligibility for a VA loan.
Certificate of reasonable value (VA loans)
Once the appraisal has been performed on a property being bought with a VA loan, the Veterans Administration issues a CRV.
Chain of title
An analysis of the transfers of title to a piece of property over the years.
Clear title
A title that is free of liens or legal questions as to ownership of the property.
This has different meanings in different states. In some states a real estate transaction is not consider "closed" until the documents record at the local recorders office. In others, the "closing" is a meeting where all of the documents are signed and money changes hands.
Closing costs
Closing costs are separated into what are called "non-recurring closing costs" and "pre-paid items." Non-recurring closing costs are any items which are paid just once as a result of buying the property or obtaining a loan. "Pre-paids" are items which recur over time, such as property taxes and homeowners insurance. A lender makes an attempt to estimate the amount of non-recurring closing costs and prepaid items on the Good Faith Estimate which they must issue to the borrower within three days of receiving a home loan application.
Cloud on title
Any conditions revealed by a title search that adversely affect the title to real estate. Usually clouds on title cannot be removed except by deed, release, or court action.
In a home loan, the property is the collateral. The borrower risks losing the property if the loan is not repaid according to the terms of the mortgage or deed of trust.
Most salespeople earn commissions for the work that they do and there are many sales professionals involved in each transaction, including Realtors, loan officers, title representatives, attorneys, escrow representative, and representatives for pest companies, home warranty companies, home inspection companies, insurance agents, and more. The commissions are paid out of the charges paid by the seller or buyer in the purchase transaction. Realtors generally earn the largest commissions, followed by lenders, then the others.
Common areas
Those portions of a building, land, and amenities owned (or managed) by a planned unit development (PUD) or condominium project's homeowners' association (or a cooperative project's cooperative corporation) that are used by all of the unit owners, who share in the common expenses of their operation and maintenance. Common areas include swimming pools, tennis courts, and other recreational facilities, as well as common corridors of buildings, parking areas, means of ingress and egress, etc.
Comparable sales
Recent sales of similar properties in nearby areas and used to help determine the market value of a property. Also referred to as "comps."
Condominium (condo)
A type of ownership in real property where all of the owners own the property, common areas and buildings together, with the exception of the interior of the unit to which they have title. Often mistakenly referred to as a type of construction or development, it actually refers to the type of ownership.
Construction loan
A short-term, interim loan for financing the cost of construction. The lender makes payments to the builder at periodic intervals as the work progresses.
A condition that must be met before a contract is legally binding. For example, home purchasers often include a contingency that specifies that the contract is not binding until the purchaser obtains a satisfactory home inspection report from a qualified home inspector.
An oral or written agreement to do or not to do a certain thing.
Conventional mortgage
Refers to home loans other than government loans (VA and FHA).
An agreement in which a borrower receives something of value in exchange for a promise to repay the lender at a later date.
A person to whom money is owed.
An amount owed to another.
The legal document conveying title to a property.
Short for "deed in lieu of foreclosure," this conveys title to the lender when the borrower is in default and wants to avoid foreclosure. The lender may or may not cease foreclosure activities if a borrower asks to provide a deed-in-lieu. Regardless of whether the lender accepts the deed-in-lieu, the avoidance and non-repayment of debt will most likely show on a credit history. What a deed-in-lieu may prevent is having the documents preparatory to a foreclosure being recorded and become a matter of public record.
Deed of trust
Some states, like California, do not record mortgages. Instead, they record a deed of trust which is essentially the same thing.
Failure to make mortgage payments when mortgage payments are due. For most mortgages, payments are due on the first day of the month. Even though they may not charge a "late fee" for a number of days, the payment is still considered to be late and the loan delinquent. When a loan payment is more than 30 days late, most lenders report the late payment to one or more credit bureaus.
A sum of money given in advance of a larger amount being expected in the future. Often called in real estate as an "earnest money deposit."
A decline in the value of property; the opposite of appreciation. Depreciation is also an accounting term which shows the declining monetary value of an asset and is used as an expense to reduce taxable income. Since this is not a true expense where money is actually paid, lenders will add back depreciation expense for self-employed borrowers and count it as income.
Discount points
In the mortgage industry, this term is usually used in only in reference to government loans, meaning FHA and VA loans. Discount points refer to any "points" paid in addition to the one percent loan origination fee. A "point" is one percent of the loan amount.
Due-on-sale provision
A provision in a mortgage that allows the lender to demand repayment in full if the borrower sells the property that serves as security for the mortgage.
Earnest money deposit
A deposit made by the potential home buyer to show that he or she is serious about buying the house.
A right of way giving persons other than the owner access to or over a property.
Eminent domain
The right of a government to take private property for public use upon payment of its fair market value. Eminent domain is the basis for condemnation proceedings.
An improvement that intrudes illegally on another's property.
Anything that affects or limits the fee simple title to a property, such as mortgages, leases, easements, or restrictions.
Equal Credit Opportunity Act (ECOA)
A federal law that requires lenders and other creditors to make credit equally available without discrimination based on race, color, religion, national origin, age, sex, marital status, or receipt of income from public assistance programs.
A homeowner's financial interest in a property. Equity is the difference between the fair market value of the property and the amount still owed on its mortgage and other liens.
An item of value, money, or documents deposited with a third party to be delivered upon the fulfillment of a condition. For example, the earnest money deposit is put into escrow until delivered to the seller when the transaction is closed.
Escrow disbursements
The use of escrow funds to pay real estate taxes, hazard insurance, mortgage insurance, and other property expenses as they become due.
The ownership interest of an individual in real property. The sum total of all the real property and personal property owned by an individual at time of death.
Exclusive listing
A written contract that gives a licensed real estate agent the exclusive right to sell a property for a specified time.
A person named in a will to administer an estate. The court will appoint an administrator if no executor is named. "Executrix" is the feminine form.
Fair credit reporting act
A consumer protection law that regulates the disclosure of consumer credit reports by consumer/credit reporting agencies and establishes procedures for correcting mistakes on one's credit record.
Fair market value
The highest price that a buyer, willing but not compelled to buy, would pay, and the lowest a seller, willing but not compelled to sell, would accept.
Fannie Mae (FNMA)
The Federal National Mortgage Association, which is a congressionally chartered, shareholder-owned company that is the nation's largest supplier of home mortgage funds. For a discussion of the roles of Fannie Mae, Freddie Mac (FHLMC), and Ginnie Mae (GNMA), see the Library.
Federal Housing Administration (FHA)
An agency of the U.S. Department of Housing and Urban Development (HUD). Its main activity is the insuring of residential mortgage loans made by private lenders. The FHA sets standards for construction and underwriting but does not lend money or plan or construct housing.
Fee simple
The greatest possible interest a person can have in real estate.
FHA mortgage
A mortgage that is insured by the Federal Housing Administration (FHA). Along with VA loans, an FHA loan will often be referred to as a government loan.
Fixed rate mortgage
A mortgage in which the interest rate does not change during the entire term of the loan.
The legal process by which a borrower in default under a mortgage is deprived of his or her interest in the mortgaged property. This usually involves a forced sale of the property at public auction with the proceeds of the sale being applied to the mortgage debt.
Government loan (mortgage)
A mortgage that is insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA) or the Rural Housing Service (RHS). Mortgages that are not government loans are classified as conventional loans.
Government National Mortgage Association (Ginnie Mae)
A government-owned corporation within the U.S. Department of Housing and Urban Development (HUD). Created by Congress on September 1, 1968, GNMA performs the same role as Fannie Mae and Freddie Mac in providing funds to lenders for making home loans. The difference is that Ginnie Mae provides funds for government loans (FHA and VA)
The person to whom an interest in real property is conveyed.
The person conveying an interest in real property.
Home Affordable Refinance Program (HARP)
HARP is a government sponsored program to help homeowners that are not behind on their mortgage payments, but have been unable to get traditional refinancing because the value of their home has declined below traditional LTV percentages. HARP is designed to help you get a new, more affordable, more stable mortgage. HARP refinance loans require a loan application and underwriting process and refinance fees will apply.
Home Equity Conversion Mortgage (HECM)
Usually referred to as a reverse annuity mortgage, what makes this type of mortgage unique is that instead of making payments to a lender, the lender makes payments to you. It enables older home owners to convert the equity they have in their homes into cash, usually in the form of monthly payments. Unlike traditional home equity loans, a borrower does not qualify on the basis of income but on the value of his or her home. In addition, the loan does not have to be repaid until the borrower no longer occupies the property.
Home Equity Line of Credit (HELOC)
A mortgage loan, usually in second position, that allows the borrower to obtain cash drawn against the equity of his home, up to a predetermined amount.
Homeowners Association (HOA)
A nonprofit association that manages the common areas of a planned unit development (PUD) or condominium project. In a condominium project, it has no ownership interest in the common elements. In a PUD project, it holds title to the common elements.
HUD-1 settlement statement
A document that provides an itemized listing of the funds that were paid at closing. Items that appear on the statement include real estate commissions, loan fees, points, and initial escrow (impound) amounts. Each type of expense goes on a specific numbered line on the sheet. The totals at the bottom of the HUD-1 statement define the seller's net proceeds and the buyer's net payment at closing. It is called a HUD1 because the form is printed by the Department of Housing and Urban Development (HUD). The HUD1 statement is also known as the "closing statement" or "settlement sheet."
Joint tenancy
A form of ownership or taking title to property which means each party owns the whole property and that ownership is not separate. In the event of the death of one party, the survivor owns the property in its entirety.
A decision made by a court of law. In judgments that require the repayment of a debt, the court may place a lien against the debtor's real property as collateral for the judgment's creditor. Alternative spelling is "judgement."
Jumbo loan
A loan that exceeds Fannie Mae's and Freddie Mac's loan limits, currently at $227,150. Also called a nonconforming loan. Freddie Mac and Fannie Mae loans are referred to as conforming loans.
A written agreement between the property owner and a tenant that stipulates the payment and conditions under which the tenant may possess the real estate for a specified period of time.
Lease option
An alternative financing option that allows home buyers to lease a home with an option to buy. Each month's rent payment may consist of not only the rent, but an additional amount which can be applied toward the down payment on an already specified price.
A person's financial obligations. Liabilities include long-term and short-term debt, as well as any other amounts that are owed to others.
A legal claim against a property that must be paid off when the property is sold. A mortgage or first trust deed is considered a lien.
Life cap
For an adjustable-rate mortgage (ARM), a limit on the amount that the interest rate can increase or decrease over the life of the mortgage.
Line of Credit
An agreement by a commercial bank or other financial institution to extend credit up to a certain amount for a certain time to a specified borrower.
Liquid asset
A cash asset or an asset that is easily converted into cash.
Loan origination
How a lender refers to the process of obtaining new loans.
Loan servicing
After you obtain a loan, the company you make the payments to is "servicing" your loan. They process payments, send statements, manage the escrow/impound account, provide collection efforts on delinquent loans, ensure that insurance and property taxes are made on the property, handle pay-offs and assumptions, and provide a variety of other services.
Loan-to-value (LTV)
The percentage relationship between the amount of the loan and the appraised value or sales price (whichever is lower).
Lock in period
The time period during which the lender has guaranteed an interest rate to a borrower.
Occasionally, a lender will agree to modify the terms of your mortgage without requiring you to refinance. If any changes are made, it is called a modification.
A legal document that pledges a property to the lender as security for payment of a debt. Instead of mortgages, some states use First Trust Deeds.
The lender in a mortgage agreement.
Mortgage insurance (MI)
Insurance that covers the lender against some of the losses incurred as a result of a default on a home loan. Often mistakenly referred to as PMI, which is actually the name of one of the larger mortgage insurers. Mortgage insurance is usually required in one form or another on all loans that have a loan-to-value higher than eighty percent. Mortgages above 80% LTV that call themselves "No MI" are usually a made at a higher interest rate. Instead of the borrower paying the mortgage insurance premiums directly, they pay a higher interest rate to the lender, which then pays the mortgage insurance themselves. Also, FHA loans and certain first-time homebuyer programs require mortgage insurance regardless of the loan-to-value.
Mortgage insurance premium (MIP)
The amount paid by a mortgagor for mortgage insurance, either to a government agency such as the Federal Housing Administration (FHA) or to a private mortgage insurance (MI) company.
The borrower in a mortgage agreement.
Negative amortization
Some adjustable rate mortgages allow the interest rate to fluctuate independently of a required minimum payment. If a borrower makes the minimum payment it may not cover all of the interest that would normally be due at the current interest rate. In essence, the borrower is deferring the interest payment, which is why this is called "deferred interest." The deferred interest is added to the balance of the loan and the loan balance grows larger instead of smaller, which is called negative amortization.
A legal document that obligates a borrower to repay a mortgage loan at a stated interest rate during a specified period of time.
No points loan
Almost all lenders offer loans at "no points." You will find the interest rate on a "no points" loan is approximately a quarter percent higher than on a loan where you pay one point.
Origination fee
On a government loan the loan origination fee is one percent of the loan amount, but additional points may be charged which are called "discount points." One point equals one percent of the loan amount. On a conventional loan, the loan origination fee refers to the total number of points a borrower pays.
Periodic payment cap
For an adjustable-rate mortgage where the interest rate and the minimum payment amount fluctuate independently of one another, this is a limit on the amount that payments can increase or decrease during any one adjustment period.
Periodic rate cap
For an adjustable-rate mortgage, a limit on the amount that the interest rate can increase or decrease during any one adjustment period, regardless of how high or low the index might be.
This stands for principal, interest, taxes and insurance. If you have an "impounded" loan, then your monthly payment to the lender includes all of these and probably includes mortgage insurance as well. If you do not have an impounded account, then the lender still calculates this amount and uses it as part of determining your debt-to-income ratio.
PITI reserves
A cash amount that a borrower must have on hand after making a down payment and paying all closing costs for the purchase of a home. The principal, interest, taxes, and insurance (PITI) reserves must equal the amount that the borrower would have to pay for PITI for a predefined number of months.
Planned unit development (PUD)
A type of ownership where individuals actually own the building or unit they live in, but common areas are owned jointly with the other members of the development or association. Contrast with condominium, where an individual actually owns the airspace of his unit, but the buildings and common areas are owned jointly with the others in the development or association.
A point is 1 percent of the amount of the mortgage.
Power of attorney (POA)
A legal document that authorizes another person to act on one's behalf. A power of attorney can grant complete authority or can be limited to certain acts and/or certain periods of time.
A loosely used term which is generally taken to mean that a borrower has completed a loan application and provided debt, income, and savings documentation which an underwriter has reviewed and approved. A pre-approval is usually done at a certain loan amount and making assumptions about what the interest rate will actually be at the time the loan is actually made, as well as estimates for the amount that will be paid for property taxes, insurance and others. A pre-approval applies only to the borrower. Once a property is chosen, it must also meet the underwriting guidelines of the lender. Contrast with pre-qualification.
Pre-payment penalty
A fee that may be charged to a borrower who pays off a loan before it is due.
This usually refers to the loan officer's written opinion of the ability of a borrower to qualify for a home loan, after the loan officer has made inquiries about debt, income, and savings. The information provided to the loan officer may have been presented verbally or in the form of documentation, and the loan officer may or may not have reviewed a credit report on the borrower.
The amount borrowed or remaining unpaid. The part of the monthly payment that reduces the remaining balance of a mortgage.
Promissory note
A written promise to repay a specified amount over a specified period of time.
Planned Unit Development (PUD)
A project or subdivision that includes common property that is owned and maintained by a homeowners' association for the benefit and use of the individual PUD unit owners.
Purchase agreement
A written contract signed by the buyer and seller stating the terms and conditions under which a property will be sold.
Qualifying ratios
Calculations that are used in determining whether a borrower can qualify for a mortgage. There are two ratios. The "top" or "front" ratio is a calculation of the borrower's monthly housing costs (principle, taxes, insurance, mortgage insurance, homeowner's association fees) as a percentage of monthly income. The "back" or "bottom" ratio includes housing costs as will as all other monthly debt.
Quitclaim deed
A deed that transfers without warranty whatever interest or title a grantor may have at the time the conveyance is made.
Rate lock
A commitment issued by a lender to a borrower or other mortgage originator guaranteeing a specified interest rate for a specified period of time at a specific cost.
Real Estate Owned (REO)
A class of property owned by a lender, typically a bank, a government agency, or a government loan insurer after an unsuccessful sale at a foreclosure auction.
Real Estate Settlement Procedures Act (RESPA)
A consumer protection law that requires lenders to give borrowers advance notice of closing costs.
A real estate agent, broker or an associate who holds active membership in a local real estate board that is affiliated with the National Association of Realtors®.
Replacement reserve fund
A fund set aside for replacement of common property in a condominium, PUD, or cooperative project — particularly that which has a short life expectancy, such as carpeting, furniture, etc.
Revolving debt
A credit arrangement, such as a credit card, that allows a customer to borrow against a pre-approved line of credit when purchasing goods and services. The borrower is billed for the amount that is actually borrowed plus any interest due.
Right of first refusal
A provision in an agreement that requires the owner of a property to give another party the first opportunity to purchase or lease the property before he or she offers it for sale or lease to others.
Right of ingress and egress
The right to enter or leave designated premises.
Right of survivorship
In joint tenancy, the right of survivors to acquire the interest of a deceased joint tenant.
Secondary market
The buying and selling of existing mortgages, usually as part of a "pool" of mortgages.
Secured loan
A loan that is backed by collateral.
An organization that collects principal and interest payments from borrowers and manages borrowers' escrow accounts. The servicer often services mortgages that have been purchased by an investor in the secondary mortgage market.
Subordinate financing
Any mortgage or other lien that has a priority that is lower than that of the first mortgage.
A drawing or map showing the precise legal boundaries of a property, the location of improvements, easements, rights of way, encroachments, and other physical features.
Sweat equity
Contribution to the construction or rehabilitation of a property in the form of labor or services rather than cash.
Tenancy in common
As opposed to joint tenancy, when there are two or more individuals on title to a piece of property, this type of ownership does not pass ownership to the others in the event of death.
Third party origination
A process by which a lender uses another party to completely or partially originate, process, underwrite, close, fund, or package the mortgages it plans to deliver to the secondary mortgage market.
A legal document evidencing a person's right to or ownership of a property.
Title company
A company that specializes in examining and insuring titles to real estate.
Title insurance
Insurance that protects the lender (lender's policy) or the buyer (owner's policy) against loss arising from disputes over ownership of a property.
Title search
A check of the title records to ensure that the seller is the legal owner of the property and that there are no liens or other claims outstanding.
Transfer of ownership
Any means by which the ownership of a property changes hands. Lenders consider all of the following situations to be a transfer of ownership: the purchase of a property "subject to" the mortgage, the assumption of the mortgage debt by the property purchaser, and any exchange of possession of the property under a land sales contract or any other land trust device.
A federal law that requires lenders to fully disclose, in writing, the terms and conditions of a mortgage, including the annual percentage rate (APR) and other charges.
A fiduciary who holds or controls property for the benefit of another.
VA Mortgage
A mortgage that is guaranteed by the Department of Veterans Affairs (VA).
Having the right to use a portion of a fund such as an individual retirement fund. For example, individuals who are 100 percent vested can withdraw all of the funds that are set aside for them in a retirement fund. However, taxes may be due on any funds that are actually withdrawn.
Veterans Administration (VA)
An agency of the federal government that guarantees residential mortgages made to eligible veterans of the military services. The guarantee protects the lender against loss and thus encourages lenders to make mortgages to veterans.
Found something I missed? Call or text me at 813.240.6054 today and if I don't know, I'll get it for you.


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Learning Oracle 11G – Real Application Clusters – Training DVD
Real Application Clusters from a professional trainer from your own desk. Visual training method Offering users increased retention and accelerated learning. Breaks even the most complex applications down into simplistic steps. Comes with Extensive Working Files.

subset: commoncrawl


text:
4 Villas Spiš
Four residential houses have been built near Spišská Nová Vec and the National Park Slovenský Raj.
A clear south exposition and an excellent view into the valley has enhanced the future architectural expression and logical disposition of the houses. They mimic the terrain which creates an interesting terraced exterior as well as interior. The dominant element of the house is a fireplace and a conservatory.
View from the street
Tarace from kitchen
- Project
- 2005
- Realization
- 2008
- Built-up area
- 262 m²
- Investor
- Iglass Markušovce
- Location
Slovakia, Spišská Nová Ves
Selected projects
Slovakia Pavilion EXPO DUBAI 2020
Ruzickas house
Sports center Zilina
Slnecnice 3
Mill Humenne
BCT Kosice
Elementary school Selce
Heat Exchanger Važecká
Urban Interventions
house of mourning
Holcim Bussiness Services
Roadhouse Canada
Museum Alvar Alto Finland
Villa Michalovce
Eco Energy Point
Resort Vinne
Villa P
Villa M
Villa Zuzana
Little Cabin
East Side Architecture
Villa Novacany
Villa Praha
Villa A
Little house
Social Housing Michalovce
Swimmingpool Košice
Central Point Humenné
Villa Levoča
Villa H
Administration building Energo Control
Logistic areal Nova Polhora
Salezian Church
Church Čižatice
Green garage
Happy New Year 2020.More
Swimming centre Delna Prešov
Atrium Architects win the architectural-urban competition for the transformation of the natural swimming …More
Preparation for EXPO 2020
This is the site of the next EXPO 2020 DUBAI. We are proud to be part of this huge project.More
BIG SEE Architecture PRIZE 2019
The prize for the best residential project goes to Slovakia. We are honored to have received the prize for …More
Slovakia Pavilion EXPO DUBAI 2020
Atrium Architects will be proud to implement the Slovak Pavilion at EXPO 2020 in DUBAI. We are delighted by …More
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Regardless of size, condition, age, or situation, Turn Key Real Estate Services will buy your house fast & full price!
No more need to go through the lengthy realtor process, you can sell your Miami home in a few short days.
How to sell an ugly home
If you take a good hard look at your neighbourhood and notice your house stands out in all the wrong ways, you might start to think it's going to be impossible to sell your home. No need to worry, Turn Key Real Estate Services is here to ease your mind on how you can make your house the one everyone has their eye on.
One of the ways to make your house more appealing to home buyers is to make improvements that will match the housing market. As a seller, you need to keep in mind that at some point your house was good enough for you to buy. Therefore, you need to make some minor changes to your home to become more appealing.
Asses the price of your repairs
Determining the price of repairs can feel overwhelming and too much at times. So, start by making a list of everything that needs to be repaired or cleaned, inside and outside the house. When you're making this list don't include a new coat of paint but take a look to see if you need to make any repairs to the actual structure of your home.
However, we are aware that not everyone has money to repair their house. In that case, you don't need money for you to turn your home into something beautiful.
Sometimes all you need to do is be upfront and honest about the condition of your home. Don't hide your houses flaws; instead, let your potential buyers know about the problems up front. You may be surprised how far this can go into the home buying experience. Especially, since nobody enjoys being scammed and they will appreciate that you were honest with them from the beginning. This also results in less stress for you because you don't have to worry about hiding anything on the seller disclosure form.
Focus on your strengths
From the time you post your house out there, whether it's in a listing or online, make sure you're highlighting your homes best features. If you have noticed, even the ugliest houses have at least one characteristic about them that stands out and draws interest from people. At this point,anything that can be used as a good selling point be sure to take advantage of it; then work on the other parts of your house to make the highlights stand out even more.
To help your house stand out, make sure it's clean from top to bottom. When people come to view your home and notice how clean it is, it will mask some of the other flaws and make a great impression. While you're cleaning, make a valiant effort to get rid of odors, shampoo your carpets, wash the windows, and straighten up any clutter. Having a spotless house makes it so much more attractive.
If you incorporate these tips when you decide to sell your "ugly home" you will turn your ugly duckling into a beautiful swan that everyone will want to buy in no time.


text:
20 Dec 2017 05:52
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text:
Use Beaver to ship logs only when alternatives such as
rsyslog ,
beats ,
nxlog or
fluent-bit aren't available.
This usually is only the case with older platforms, which aren't supported by these agents.
To use Beaver, first verify your platform has Python version
2.6 or
2.7 .
It's best to install Beaver using
pip , by running:
pip install beaver
If you can't use
pip (e.g. if you're not connected to the internet), create an offline installation tarball. Run the following on an internet-connected machine:
mkdir /tmp/beaver-deps
pip download beaver -d "/tmp/beaver-deps"
tar cvfz beaver-deps.tgz /tmp/beaver-deps
Copy the
beaver-deps.tgz file to the destination server, and run:
tar xvfz beaver-deps.tgz
cd beaver-deps
pip install Beaver-36.2.1-py2-none-any.whl -f ./ --no-index
Next, create a configuration file. Create a file named
beaver.ini under
/etc/conf and paste the following (making the required adjustments):
logstash_version: 0
; replace with the data-domain or IP of Sophie
tcp_host: <CUSTOMER_NAME>-data.loomsystems.com
; if Sophie is installed on-prem, replace with port configured in your data-input
tcp_port: 9999
format: json
; use a descriptive type to these files
type: myType
; replace with descriptive tags
tags: tag1,tag2
; add descriptive fields
add_field: loomApplication,myApp,loomService,myService,loomSourceType,mySourceType,environment,prod
More configuration options can be found here.
Running Beaver
Save the file, then run Beaver:
beaver -c /etc/conf/beaver.ini -t tcp
If Beaver starts successfully, you can Daemonize it by adding the
-D argument.
That's it! once Beaver is running you should see logs appearing in Sophie.


text:
Margot High-Rise Skinny Jeans
Product Additional Information
Product Details
The label's Margot skinny jeans in their Noir black washed denim. Belt loops. Zip and button closure. Five-pocket styling. Ankle crop. In black denim.
Fit Information:
- High-rise
- Cropped skinny silhouette
- Stretch denim
- Fabric: 46% cotton, 29% rayon, 15% lyocell, 6% polyester, 4% spandex
- Hand wash cold
- Made in USA
- Model measurements: Height: 5'10"; Bust: 32"; Waist: 24"; Hips: 34" wearing size 26
- Rise: 9.5"
- Inseam: 26"
Please note: This item was pre-shot and written from a sample. Details including fabric, construction, and measurement are subject to slight variations from the pictured item.
Shipping & Returns
Enjoy free shipping and easy returns on eligible products online or in any of our stores. Read our FAQs for our shipping details and return information.
Styling Suggestions
Mini Attica Crossbody BagAlexander Wang Mini Attica Crossbody Bag$650
Emmerson Tie-Waist Oxford ShirtMarissa Webb Emmerson Tie-Waist Oxford Shirt$275
Kate Python-Embossed BootiesAeyde Kate Python-Embossed Booties$490


text:
Letter from the Editor
Louisa Shirley
Letter from the Guest Editor
Debbie Sheward
Letter from the Chair
Don Brechin
Creative service delivery: A pilot study of a mixed ability Cognitive Stimulation Therapy group in a residential home setting
Emma Hartley, Julia Taylor & Marta de Madariaga Lopez
The dementia patient and other identities: Exploring the role identity theories have in explaining the effects of Cognitive Stimulation Therapy in people with dementia
Ying Teh & Stephanie Crawford
Simulated Presence Therapy: A psychological approach to challenging behaviour in dementia care
Sara Andargachew
The looking glass selves: A support group for people with dementia
Claire Appleton
A toe in the water: Person-centred counselling approaches to working with people with dementia
Pamela Bruce-Hay, Penny Dodds, Sally Stapleton & Clare Crellin
A critical review of psychosocial interventions for dementia caregivers
Louise Roach
Meeting the needs of carers: Applying a CBT for Carers package to groups. Does it reduce levels of depression?
Candy Stone & Lisa Beevers
A psychodynamic perspective on dementia care
Paul Terry
A review of psychological approaches to working with older adults with personality disorders
Louise Watts
Personality disorder in later life - a pilot treatment group
Elixabeth Kemp
Forthcoming Regional Newsletter editions
Geographical Group Convenors
PSIGE National Committee
Recent journal articles by PSIGE members
Additional Information


text:
5 Best Ways to Make Money Fast
5 Best Ways to Make Money Fast
Yes we all need that opportunity to make money fast so we can live our life and we can be good with our mind and that come to me as on-demand article I have to write for you my friend so little research performed ...
7 Signs Your Body Needs More Folic Acid
7 Signs Your Body Needs More Folic Acid
According to the Institute of Medicine in the US, adults should consume 400 micrograms of folic acid a day. This substance is also called folic acid is very crucial in our life. We are at oviside decided to teach you about the signs which are very much important.
7. Cognitive problems
This ...
8 Facts We Never Knew About the Male Body
8 Facts We Never Knew About the Male Body
The male itself has millions of surprises but it also gives us millions of surprises in which we come down and start thinking how does this come and because of that we come with the list of facts about male body that we never ...
Tips on how to reach your exercise goal
Tips on how to reach your exercise goal
· Do the exercises regularly. If you do it every day your body will make it as something that is very important and smart It's best to train at the same time every day that will help you very much in your journey to success every day.
· Wear ...
Why your credit score may matter more to auto insu
Why your credit score may matter more to auto insurers than your driving record
We all know we have to pay our bills on time so that we can never affect our insurance premiums and other many services there
On one of auto insurance said he spends more than 2,000 $ on ...
Tips on how to reach your exercise goal
Tips on how to reach your exercise goal
· Do the exercises regularly. If you do it every day your body will make it as something that is very important and smart It's best to train at the same time every day that will help you very much in your journey to success every day.
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· Don't forget to warm up before your training session. In the last article, we ...
5 Exercises to Transform Your Body
5 Exercises to Transform Your Body
We all know nowadays you can live the life which you will live without enough time to go to a gym. But these exercises we are going to reveal today will make you even beautiful and very much great in your life and make you smart!
Only one month will be very much enough for you to enjoy life and transform yourself to another level of the life, so you will have one month to do this and you will get a result. As a bonus, at the bottom of the article, there's one very simple exercise that you can use as a warm-up.
1. Plank
Lie ...
We are at oviside and today you will have time to read about components that will help you to generate traffic from the internet for free. Now let's discuss how to get free traffic and at the end of this article you will have bonus
- Affiliate marketing
This is one of the opportunities that many people and big online they do always in this world. And all it means is simple, what you have to do is to promote some body's product and you get paid some percentage and there are millions of ...
Ways to make money online
Ways to make money online
For more than 10 years now we have been experiencing the best sources of making money and online sources become the best ways to make money and people who are very much rich because of the online business and for sure we can make more money from online now let's make money after this article.
You can be freelancer from freelancer .com and up work and you will be performing so many works from peoples and make more money from home on the internet so enjoy and make more than ever before so you may study ...
About Us
Not so long ago, we began our endeavour to make the world a little bit better. When we look back at the short but incredible distance we've already traversed, even we are more than a little surprised. How did this come to be? It seems like we started out only yesterday! But sometimes, when you're enjoying the ride, you don't realize
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text: Deliciously Ella is all about celebrating what can be achieved with delicious, plant based ingredients. When she was diagnosed with a rare illness, Ella began exploring methods of self-healing through dietary and lifestyle changes. This journey led to the creation of the Deliciously Ella brand as she began blogging about her discoveries. Deliciously Ella is not about diet or deprivation, but simple, honest, natural ingredients, that make 'The healthier choice' that bit simpler.


text:
Beautiful 2.5 Storey Home
Address: 59 Fairview Ave, Toronto, ON, M6P 3A3
Property Features
- brand new kitchen
- classic mouldings
- hardwood throughout
- new furnace and air conditioner
Property SummaryLarge and spacious four bedroom home in beautiful High Park Neighbourhood. Located near the corner of Runnymede Road and Annette Street, walking distance to Ravina Gardens Park, Annette Street Junior and Senior Public School and Saint Cecilia Catholic Elementary School. Steps to TTC bus routes and short walk to Runnymede Station on the Bloor Subway Line.
Beautiful 2.5 storey home filled with charm and character, features 4 bedrooms, 1.5 bathrooms, brand new kitchen, classic mouldings, hardwood throughout, new furnace and air conditioner.
Large basement with ample storage and laundry.
Two car garage included!
Available immediately! $3500/month plus utilities. Credit check, employment verification and tenant insurance required.


text:
Enter your Registered Email id
Product List
Green coloured contact lenses allow you to introduce a rare and desirable new colour to your eyes, or to add depth to your eye colour if you're lucky enough to already have green eyes.
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text:
"We chose to work With Building Ventures because their team was earnest, comprised of tech entrepreneurs with relevant real estate expertise. They were efficient and transparent on diligence and able to see the opportunity the same way we did at Measurabl and offer constructive input to accelerate our business goals."
- Matt Ellis, Founder & CEO
Measurabl is the world's most widely adopted sustainability software for the built environment. More than 5.5 billion square feet of commercial property valued in excess of $1.5 trillion spread across 70 countries use the Measurabl software to manage, benchmark, and report sustainability performance.
Learn more about Measurabl at http://www.measurabl.com.


text:
Member? Sign in. Not a member? Register for free.
This app was removed from the App Store.
The Real Housewives Stickermojis
iOS Universal Entertainment
Have you always wanted to be "Gone with the Wind Fabulous," but just didn't have the means to do so? Well now you can throw shade and spill the tea with the Housewives -- literally. Use Bravo's Real Housewives official emoji app to give mazels, express your Ramotions, and of course, read, honey. You can easily share the Bravo love with your BFFs (and frenemies) through email, text, Facebook, and more. Remember, money can't buy you class, but it can buy you Real Housewives emojis in this App Store exclusive!
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- Includes your favorite Housewives from Atlanta, New York City, Beverly Hills, Orange County, and New Jersey
- Share photos through email, text, Facebook and Twitter
What's New
Copy functionality available to paste into messages.


text: ElectraWorks has been helping Brisbane property owners with a range of electrical work around the home for years. We have earned a strong reputation among our customers for providing highly professional and reliable domestic electrical installation services in Highgate Hill. With a fully staffed office to assist with your electrical enquiry, you can count on ElectraWorks to attend to your next domestic electrical installation service in Highgate Hill promptly. In the case of emergencies, we even offer a 24 hour, 7 day a week emergency call out service for our range domestic electrical services. Whether you require a qualified electrician for assistance with lighting installation, rewiring, surge protection or safety checks, you're sure to be impressed by our team's commitment to performing all electrical work efficiently and safely. Book your next domestic electrical installation service in Highgate Hill today by contacting ElectraWorks on 0431 110 148.


text:
in my movie i have a bunch of MCs with an
onClipEvent (enterFrame) {}
type of code on them, which is constantly cycling when the movie is playing but is essential to my movie's presentation. Due to this, the movie takes up a massive amount of the computer's processing power and the everything becomes very sluggish. does anyone know how i can control the enterFrame cycling better so that it doesn't take up so much of the processor's power? thanks for your help!


text:
Get StartedBORA Lagoon provides an environment where developers can understand the platform and test BORA Toolkit interoperability. BORA Lagoon provides a node set in the form of a test version of BORA. The node set consists of one 'BORA Token' node where the transaction of BORA Token occurs and three SHELL nodes (Side Chains) where transactions of SHELL occur.Developers can only access some environments for testing purposes.
|Tools for connection
|BORA Token Testnet
|Ropsten Testnet Node
|Token Manager
|SHELL Testnet 1
|SHELL Node for demo games
|Sample Game (TowerBlocks)
|SHELL Testnet 2
|SHELL Node that can be tested using Dev Toolkit (for general users)
|Dev Toolkit + client ID/Secret
|SHELL Testnet 3
|SHELL Node that can be tested using Dev Toolkit (for partners)
|Dev Toolkit + client ID/Secret
BORA LAGOON is open to all developers without any restrictions to ensure a smooth testing environment. BORA LAGOON is a test environment that it is subject to change or update from time to time for improvements. Be sure to use it only for testing purposes. Also, the BORA team will try to provide a stable test environment, but nevertheless the information in the node can be initialized at any time. It may be initialized in the following cases, but not necessarily in these cases only.
- If initialization is required due to lack of resources (e.g. when there are insufficient resources such as CPU, disk, memory, etc.).
- If the Node is unstable, or if it is determined that a Node restart or initialization is necessary.
- If an external attack, such as DDoS, is detected or persists.
- Other cases when it is determined that initialization is necessary for stable Node operation.


text:
@A_Kron wrote:
An apology to our TELUS.net email customers -> https://forum.telus.com/t5/Neighbourhood-Blog/An-Apology-To-Our-TELUS-net-Email-Customers/ba-p/99078
A video apology that's basically read verbatim from what's been previously written on the Web site. Hahaha. Well, it's good for those of us who are illiterate I suppose and I do love a nice Aussie accent.
At least he said, "You have my word that our entire Telus leadership team will learn from this experience and ensure that we never put you in this situation again." It brought a tear to my eye. He looked VERY sincere. They even went in for the close up a few times to make him look EXTRA sincere.
Many people have said that there should be some type o compensation for our email outage. So...what compensation would be appropriate and would satisfy you....as a home customer ? As a business customer ? And be realistic !
Ask me when the outage is over. I haven't had a sniff of e-mail since Wednesday night. And until I see the e-mails come in, it's pretty difficult to assess the damage, if any, from not receiving any e-mails.
A 10:00 PM check (Aug 17th) here in Cranbrook, BC revealed, in our household, both my wife's and my email accounts are finally up and running... Email client(s), webmail, etc working as they should, at least for now.
All praise Jeebus!
All more email accounts are now operational.
Slow as molasses but able to send/receive emails.
Location: Vancouver
Nanaimo: back in business as of 10:30PM on both email accounts. However, now I'm getting:
This site can't be reached
forum telus com took too long to respond.
@jhulford wrote:
Nanaimo: back in business as of 10:30PM on both email accounts. However, now I'm getting:
This site can't be reached
forum telus com took too long to respond.
That'd be 10:15 and everything else seems to be up and running, as well.
Up here too and no email since Thursday is here! Are you kidding me?! All that email is lost? Telus, PLEASE let us know the status of our incoming email since Thursday.
@Irishgranny: I think Telus needs to compensate its email customers with an amount that includes punitive damages. If it causes Telus no monetary pain, then genuine improvements will not happen. I had been thinking reimbursement of one month's Internet service fees, and then my semi-restored email service collapsed again and Telus started shovelling the BS that 90% of service was restored. Even when my service was (temporarily) restored, messages from the previous day did not come in and I am being told by some folks that their messages to me are still randomly getting bounced. Then came Tony Geheran's apology, lacking anything like an adequate explanation of how things could have gone so badly wrong, not acknowledging that the email problems have actually been going on for more than a week for some customers, and repeating the "majority restored" nonsense (merely being able to finally log in is NOT fully restored service). No, one month's reimbursement is not enough. Perhaps two months? Three if Telus is unwilling to come clean?
@ennjeoajat I had the login page briefly a couple of hours ago -couldn't do anything but was hopeful...now I'm back to "Can't find the page"...so much for joining that 90% club. While I agree that some type of compensation is due, I think you're being over-optimistic in your expectations. Think we'll be lucky if we get $10 from them. And don't know how the businesses can calculate what this outage has cost them! Right now, I just want to be able to use email...will think about compensation after that happens!
@Irishgranny: Ah, well, you asked what we thought would be appropriate. If you ask my expectations, that would be no compensation, no meaningful explanations, no admission of the actual extent of the problem (e.g. some customers have been suffering for more than a week), and they'll continue lying about how many customers have fully restored service until it eventually becomes true. We'll never find out how many messages were simply lost. Where do my expectations come from? I've been a Telus customer for a very long time and I cannot remember the last time they made even the most trivial of changes without breaking something and I've learned the hard way that nothing they ever say can be counted on. If the competition's basic technology weren't so inferior (i.e. cable-based), I would have left long ago.
Anybody get this weird "Zimbra" box when trying to load the Telus webmail page?
Now I get the "normal" page when I try and go to telus webmail. I ain't taking no chances....forwarding all my telus emails to a gmail account until they're able to sort this mess out.
Aug 18 02:12 Still no email, and certainly no SMS message explanation either.
Not true. Sympatico was BCTel / Telus.
I now have a login page..BUT...says my name or password id incorrect. Same ones I've had for the past few years. Even tried to change password, but couldn't do that. So I'm looking at this login teaser and wondering how many more days before it recognizes me ??
Email working but only 5 emails in my inbox - scattered over the course of the 3 days. I'm about to travel, so there were several important emails that are still AWOL. Glad to have the server back up, but will this be fixed???
Strange thing is..My name and password work just fine when I login to the Outage Update page...but not correct for Webmail...are there 2 of me ??
Another 24 hours without service in Vancouver, making it three whole days. But we have telus' word that "the entire leadership team will learn from this experience". How reassuring! Platitudes don't replace incompetence. We don't need PR types talking to us. Where is the CEO of telus or the executive in charge of technology at this critical time? Heads had better roll over this unacceptable mess.
My email appears to finally be working this morning, except that I know I am missing emails. Are they going to appear in my inbox at some point in the near future?
Some sort of compensation seems fair, as this is the second time in a few months that my email has been down for a significant amount of time. I have been a Telus customer for a very long time, so I know this hasn't been typical. That said, it doesn't look good when I am having to advise my clients that "my email is down...again".
Finally got into my webmail this morning in Kamloops but it only shows 1 message. My account I forwarded telus emails to has 6 forwarded messages. I know there should be even more than that but if I had not forwarded, I wouldn't know the messages were missing. Can see I lost a Kijiji sale though!
Any Emails sent to you from who ever would be bounced and remain on their mail platform as unable to deliver. They would have to resent now that you are able to see incoming email.
@polecat wrote:
Any Emails sent to you from who ever would be bounced and remain on their mail platform as unable to deliver. They would have to resent now that you are able to see incoming email.
Yeah I figure part of the reason for the delay in getting everybody up and running with email was their subcontracted out techies trying to figure out how to make sure everyone got their emails from the down period. After a certain point, they just said heck with it & started putting email accounts back online.
As for compensation....all we'll get is another scripted apology video spouting mumbo jumbo about we have all learned from this experience.
Thats not true, and how would I know who to contact to get them to resend? So I get an INterac that gets bounced. How would I know? Orr an email from cra? How would I know?
Support first stated that emails will be received. That information was wrong. And needs to be corrected, not just left out there. You are saying It is now possible that Some "delayed" emails may never be received.
My email was working yesterday (Saturday ), was able to send a receive emails and all my saved email appeared to be on the telus servers. This morning my email client is unable to login, so email for me is down again!
And why are they not coming in in the order they were sent to me?
Sunday morning now, Webmail, IMAP and SMTP all coming back. Got a bunch of emails late last night including replies on this forum. But none from Wednesday evening to Saturday evening inclusive. Counts as a full three day outage and loss. 😬
@Tony1000 wrote:
Sunday morning now, Webmail, IMAP and SMTP all coming back. Got a bunch of emails late last night including replies on this forum. But none from Wednesday evening to Saturday evening inclusive. Counts as a full three day outage and loss. 😬
I figure I'm missing at least half a dozen Nigerian investment proposals. I don't want to even estimate the financial losses from those lost business opportunities.


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Backpack which can be buying needs to be basic. Making use of the pursuing information, you will end up acquiring home an ideal trip totes that go with trip's kind you will create. Backpack might be categorized into two huge and luggage bags. Back packs – to obtain outside and more informal expeditions, back packs match up you. Back packs deal with those who choose to vacation lighting. A little bit backpack has to bring everything required whether it is personality or backpacking falling.
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Attire bags and corporations – they are able to calculate from 40 to 60-ins extended perfect should you be hauling matches gowns on hangers.
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1537 2nd Ave S Payette, ID 83661
Current Patients 208.642.4111
New Patients 208.243.9807
Repair damaged or missing teeth in Payette, IDSchedule Appointment
Complete dental care for all ages in Payette, IDSchedule Appointment
Payette Dental provides patient-focused dental care for all of your family's oral health needs. Dr. Brock Hyder is a Payette family and restorative dentist committed to helping our patients to maintain the health of their natural smiles. We provide cosmetic and restorative treatments to rebuild worn, damaged and missing teeth.
A healthy and vibrant smile will enable you to enjoy your best quality of life each day. If you have dental concerns or would like to restore function and beauty to your smile, we welcome you to visit Payette Dental and learn more about the benefits of personalized dental care.
Dr. Hyder and the team at Payette Dental look forward to meeting you and learning more about your dental health needs and goals.Read More
Learn more about common dental concerns and how to keep your smile healthy.Read More
Payette Dental provides a full range of complete dental services to meet your needs and goals.Read More
Dr. Hyder and the team at Payette Dental welcome your review of our dental care and services.Read More
Maintaining healthy smiles with comprehensive general dentistry in Payette.Read More
Do you have damaged or missing teeth? Dr. Hyder can provide solutions for a new smile.Read More
Your dentist in Payette, ID for children's dental care, delivered in a caring manner.Read More
Enhance the beauty of your natural smile with Payette cosmetic dentist Dr. Brock Hyder.Read More
Dr. Brock Hyder is passionate about the dental health and wellness of his patients. A highly trained general, cosmetic and restorative dentist in Payette, Dr. Hyder can work with you to develop a treatment plan that meets your oral health needs and aesthetic expectations.
Dr. Hyder places an emphasis on patient education and communication for the best outcomes and the enjoyment of a lifetime of beautiful smiles. He is committed to continuing education for the continual improvement of the patient experience. Our goal is to help you enjoy a healthy, stable and comfortable smile that supports your best quality of life.Meet Dr. Hyder About Our Office
Payette Dental is your local dental home for maintaining the health, comfort, and beauty of your natural smile. Led by Dr. Brock Hyder, our dental care team provides comprehensive dental care and personalized smile makeovers in Payette, ID.
We welcome new patients and families from many local areas including Fruitland, Ontario, and Weiser, ID. From routine dental cleanings to advanced care for complex oral health needs and concerns, we can meet your needs under one roof.
A routine dental care visit will include:
5 out of 5 stars
My family and I have been seeing Dr. Jardine and his staff for nine years. They are always friendly. They have been taking care of our son since he was 4 years old. He has always enjoyed his visits. In an emergency I can count on Dr. Jardine to answer a call and fit me in. Thank you guys for…
5 out of 5 stars
For those who have had any traumatic dental visits or who have any anxiety about getting dental work done, this place was Amazing and they were very caring to sensitivities... The staff were Amazing from the time I walked in and until I walked out... Thank you all for taking the time to care for each person so kindly.
5 out of 5 stars
Very patient and understanding of dental anxieties. Very sweet gentle hygienests
There are many options to choose from if you're looking to replace your missing teeth. However, dental implants are quickly becoming the gold standard in tooth replacement. Dr. Brock W.…
One of the easiest ways to keep your smile healthy is to keep up regular checkups at your Payette, ID dentist. But are there other things you can do to…
Getting your children started early with an oral health routine gives them a better chance at a great smile down the road. Children are often susceptible to cavities and tooth…


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No products
At first you need to open module configuration page, where you can configure your exporting process.
Format file: These settings allow you to choose exporting file format (XLSX or CSV).
Filter by orders date: Allows you to choose period for orders export
Filter by customers group: Determines from which customer group would be exported orders.
Filter by order statuses: Determines from which order statuses would be exported orders.
Filter by customers: Determines from which customers would be exported orders.
Filter by payment method: Determines from which payment method would be exported orders.
Filter by carriers: Determines from which carrier would be exported orders.
In Other settings you can enable export products data of each order in separate line. If you disable this option, products data would be exported in one line separated by a comma.
In Select fields block you can choose what fields you want to export.
Automatic orders export block allows you to configure automatic export usin cron jobs.
Save settings block allows you to save all your orders export configurations and use it in future export.


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Your Basket
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This stylish 8 seat table will make al fresco family lunches and garden parties much more comfortable. This beautifully crafted, traditional piece is reassuringly solid and will age to an exquisite and delicate silver grey.
An attractive piece, this will soon become a central focal point for your garden; a place for all to gather, relax and share. Fashioned with individual stools, this will be extremely popular with children in particular and would make a wonderful addition to any family garden. Perfect for parties! It will comfortably seat up to 8 people and can be used in conjunction with a parasol so your guests can dine in the ultimate of comfort and style.
Product specifications:
Pine is traditionally a very popular choice. It has many qualities that make this the ideal construction material for furniture and has an appealing appearance that improves and mellows with age. This light softwood is able to complement and enhance any décor or surroundings, both contemporary and traditional and has a durability of ten years plus, which can be extended given the right treatment and care.
Be assured that the timber used for this product is FSC certified and has been sourced from responsibly managed and sustainable forests, making this an environmentally acceptable choice.
We recommend that all furniture is protected during the winter months either by covering with furniture covers or by storing the furniture indoors.
Greenfingers, 5 Kingsthorne Park, Houston Ind Estate, Livingston, West Lothian EH54 5DB
©Greenfingers Trading Ltd 2020All rights reserved


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Games vs. no gamesgreenspun.com : LUSENET : APA Division 47 Exercise and Sport Psychology : One Thread
I am a coach of a Under 13 years old Olympic Development Girls Soccer team. The administration of the Eastern New York Youth Soccer Association has decided that this age group will no longer play in a tournament but rather only play in the required events (3 games Regional ID tournament
and Regional Camp). I feel that all work and "no play" is not in the best interest of the players. Most players will train all spring and summer and they know they have no chance to make the regional team, therefore I think without the incentive of a tournament (the entire team goes away), they will not preform to their best. I also feel that playing in a tournament against tough competition before the camp, the players will be sharper and have a better chance of making the regional team. Please either agree with support or let me know if I am all wrong. Thanks you email@example.com
-- Ronald Forman (email@example.com), April 13, 2000


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All Around A/C Heating and Refrigeration wants to hear from the Kilgore, TX communities.If you have experienced our services and have something to share for the improvement of our business, feel free to leave reviews on our company page. We are confident that telling us how you feel about our company will bring us to greater improvement in the products and services we offer. It will allow us to continually serve only quality products and services for your homes' and businesses' unique needs.
Local Reviews
for Kilgore, TX
Corey H.
Repaired ice machine for sonic in liberty city Texas.
Corey H.
Cleaned a condenser in Kilgore Texas.
David P.
Preventive maintenance on sonic


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Peaceful Ridge Rescue
April 2017 Newsletter
Happy Spring!
This Spring we will be holding our Grand Re-Opening! This is a new start for Peaceful Ridge Rescue and we are excited to share it with you! More information on the date and time soon!
Women's Round-Table and Tea
Peaceful Ridge Rescue will be holding a Women's Round-Table and afternoon tea this Spring. We would like to use this tea as an opportunity for an open session of brainstorming ideas regarding the future of Peaceful Ridge Rescue.
This will be a fun, casual experience with tea and sandwiches, a small silent auction and updates on the state of the rescue and the planned future.
We would love to hear some fresh ideas from our volunteers and supporters. What would you like to see? How can you help? How can we make the rescue more accessible especially to women?
Davie Women's Club
Date To Be Announced (May or June)
"Strong Women: May we know them. May we raise them. May we be them." – The Women's Roundtable
Rescue of the Month - Thunder
Save a Horse Ride a Golf Cart Charity Tournament!
Join us for this year's most anticipated event, The Save a Horse Ride a Golf Cart Charity Golf Tournament!
Located at Palm Aire Country Club in Pompano, on August 19, 2017, this is your chance to show off your skills and raise money for the horses!
Go to our website for more information!
Horsing Around Just Upped the Ante!
Established in 2010, Horsing Around has been supplying the local community here in Broward County with English Riding Apparel and horse care products.
Horsing Around has all your riding needs at prices you can't beat!
They will give donators 20% off any horse care products purchased for the rescue.
Support your local small business!
10054 Griffin Rd, Cooper City, FL 33328, USA
Store Hours:- Tue-Sat 10am-6pm, Sun 12-4pm, Mon Closed
Phone: 1.954.252.7640
E-mail: email@example.com


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Property ID : BRR411
For Sale THB 250,000 - Condo/Apartment, Residential
A remarkable opportunity awaits for owner occupiers and investors alike in a red hot location not to be missed!
This magnificent development is designed as two exclusive condominiums catering to various lifestyles and needs; Building A is perfect for larger families 2/3 bedrooms up to 258sqm while building B supports both smaller families as well as those leading an active urban lifestyle, 1 bedroom units ranging from74sqm to 116sqm. With sprawling spaces in a healthy, comfortable and natural environment, this building development truly is the essence of "Timeless Luxury."
Centrally located in the city's entertainment mecca. Moments walk to all that the Thonglor has to offer.
Beautiful and spacious both inside and out, the exterior features all the comforts including outdoor golf area, an outdoor BBQ area for exquisite grilling amongst the abundant greenery space, the children's playground features softened floorings, corner protections, 1.5m high wall for increasing safety sand area to accommodate the limitless energy and creativity of children and Hi-Speed Wi-Fi is available in the lobby area.
Prices start at THB250,000 per square meter
Completion: Feb 2020
A must see – call now to inspect!


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Neo Cosmo N236 Aqua contact lenses are a perfect beauty accessory for everybody with blue and green eyes as well as people who want to completely change their eye colour. They make the gaze look deep like an ocean – people will drown in your eyes!
Neo Cosmo N236 Aqua contact lenses are a typical fashion accessory but thanks to availability in a range of powers they can be worn by everybody – even people needing prescription contact lenses. Neo Cosmo N236 Aqua contact lenses will make you look sexy everyday – just like a piece of jewellery.


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The Order-to-Cash (OtC) process covers the whole process cycle of handling customer orders. The OtC starts from customer orders to the point where the organization receives payment from customers.
The OtC process covers different units, such as warehousing, delivery, invoicing, and account management. The Order-to-Cash process occurs in many different organizations and is a key business process in many enterprise information systems. A typical Order-to-Cash process includes five major process steps, such as sales order created, picking done, confirmed delivery date, invoice created, and payment received. The typical Order-to-Cash process is visualized in a process flow chart below:
The Order-to-Cash process is usually a high-volume process, and thus, it is possible to have different variations in the process. Variations can consist of unwanted changes adding to the lead times. Delays can cause unnecessary losses, making it harder for organizations to perform competitively in the market.
In addition to late delivery affecting process efficiency and customer satisfaction, other typical OtC process issues faced by our customers include:
The OtC process produces a lot of data that is useful for process improvement and transformation. The reasons for the excessive data can be, for example, various sales-and delivery models, multiple production/warehousing policies, differences in sales teams, diverse customer requirements & individual employees participating in the process.
Finding improvement points is critical for process optimization, and this is where process mining can help, especially with Order-to-Cash analytics.
QPR ProcessAnalyzer transforms the data produced by information systems into process knowledge. This process knowledge is available in the form of Order-to-Cash process flow charts, pie charts, and other forms of presentation. The process data can combine with further information, giving way for in-depth and end-to-end process analysis. QPR ProcessAnalyzer provides you improvement points for optimizing your OtC process and helping you to meet the metrics.
Some KPIs and use cases where our clients have used QPR ProcessAnalyzer on:
This data-driven Order-to-Cash process analytics empowers you to focus on the bottlenecks, where you can drive the most process improvement and efficiency. Improving your business processes has never been easier!
QPR also offers tools for monitoring your processes. Using your process data, you can create dashboards to communicate your process performance information to key stakeholders. These dashboards are customizable to contain all the up-to-date information of your OtC process. Real-time monitoring is available as the data loading happens in intervals of your choosing. Dashboards are accessible via QPR UI, which is a web-based tool that is usable across a variety of devices.
Take control of your Order-to-Cash process by combining QPR's years of process management experience with its advanced, flagship process mining product QPR ProcessAnalyzer.
Process mining brings instant results!
Process Mining on Order-to-Cash Process
15 Benefits of Using Process Mining for Incident Management
Process Mining for Purchase-to-Pay Process
Highlights of the interview with Matti Ketonen that takes you on a ride through Metsä Board's process mining journey since 2011.
Full video, success story & more


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81 "Breakfast" restaurants in Seattle.
Volunteer Park Cafe is a go-to morning spot in Capitol Hill, but the secret is to hit it for dinner.
Porkchop & Co. in Ballard serves brunch worth travelling for.
Market House is an excellent sandwich shop that serves the best reuben in town.
Skillet Diner is a modern diner in Capitol Hill serving updated versions of classic dishes.
Glo's is a Capitol Hill diner serving giant pancakes and perfect hash browns. Just expect a line to eat them.
Bakery Nouveau is an excellent Capitol Hill bakery we like most for the twice baked almond croissant and croque monsieur.
Seattle Biscuit Company is a Southern spot that serves biscuit breakfasts all day.
Empire Espresso is a coffee shop in Columbia City that serves tasty waffles and panini sandwiches.
Cafe Hitchcock is an all-day coffee shop downtown serving sandwiches, salads, and grain bowls.
Mr. West Cafe is an attractive espresso bar and all day cafe with substantial food downtown.
Homegrown is a local sandwich chain that Gwyneth Paltrow wishes she came up with. This one's in South Lake Union.
Oddfellows is a French Bistro, espresso bar, and old-school grocery store in Capitol Hill. It's good for a lot of things, but especially brunch.
Biscuit Bitch is where you go in Pioneer Square for breakfast (or lunch) euphoria. Get the Bitchwich and add gravy.
Bounty Kitchen is a great brunch spot in Queen Anne that serves avocado toast, grain bowls, tacos, and griddle cakes.
Lost Lake Cafe is a diner in Capitol Hill that's open 24 hours a day.
For breakfast on the go in Belltown, go for a breakfast sandwich at Dahlia (there are only four seats there). And couple coconut cream pie bites.


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Balm cleansers have been going viral for the past months and the only reason why I haven't jumped ship yet is because they all come in a big tub. I just don't like scooping my product out as I find that very unhygienic and I don't want product to be stuck beneath my nails. This is where balance Me. Cleanse and Smooth Face Balm* comes in, which is packaged in a nifty tube with all the benefits of a balm cleanser… me likey.
It's an oil-based balm cleanser, which is a good thing as it will be able to break down all the dirt, excess oil and make up from your face. Let's just say it's got the Caroline approved stamp on it. Although it's recommended for normal – dry skin, it works perfectly fine on my combination/oily/dehydrated skin as well. I use it after my make up remover as I like to double cleanse my skin, just to be sure I got rid of all the dirt and make up. The cleanser is 100% natural, it smells absolutely divine and very calming, it somehow reminds me of lemongrass. The cleanser contains many great ingredients such as oatmeal, shea butter, rosehip, cemellia oil, etc. The oatmeal in the balm exfoliates the skin gently and leaves the skin soft and smooth.
I like to rub it onto dry skin, massage it for a while and then use a hot flannel (or muslin cloth) to remove all the product. My skin has been looking very well ever since I've been using it and I'm noticing some brightening effects as well. After that I just continue with my normal routine – toner, treatment, serum, oils/creams.
Have you ever tried a balm cleanser before?
bloglovin' | instagram | twitter | pinterest


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Popular for its sweet scent rather than for its hideous form, Cestrum nocturnum, commonly called night blooming jasmine, is the most commonly sold horticultural invasive species. This sprawling shrub has pointed alternately arranged leaves, green bark, tubular white flowers and pea sized fruit with … [Read more...] about What's the Stink About Night Blooming Jasmine?
Archives for December 2018
Live Your Best Life Among Indoor Plants
Humans have been bringing plants inside for thousands of years. Babylonian residents were among the first humans to "domesticate" house plants and grow them inside. Evidence of indoor plants was found in the ruins of Pompeii. Our ancestors felt the benefits from having plants in their enclosed space … [Read more...] about Live Your Best Life Among Indoor Plants
Accelerated Change
Hawaiʻi is extremely special because of our geographic isolation and unique biodiversity. A combination of dispersibility, random chance and fitness allowed a small subset of plants and animals to make the 2,400-mile journey and evolve into our diverse native species. The severe isolation of the … [Read more...] about Accelerated Change


text: Too Soon? Think Again Now is the Time for Furnace Service in Kingsville Posted September 2, 2015 Just because winter is nearing its end doesn't mean that it's time to forget about your furnace until next winter. The nicest way to prepare for any season is to perform maintenance on your furnace now and ensure that it is all set for when it's needed. Of course, in a few weeks you will be turning your thermostat off from the 'heat' setting, but don't forget about that final winter checklist thing to make sure that your furnace won't cause you any sudden difficulties this summer and next early fall. Relying on your furnace after months of inactivity is always a wager. It isn't sensible to believe that months of winter means you can neglect your system. That, on top of months without using your furnace in the summer, can cause maintenance problems and dirt logjam, especially if there is no arranged tune-up. So why right now? Why is tuning your furnace beneficial? Routine furnace service can help you steer clear from a number of potential problems during the year, including: Hazardous situations with gas or oil issues in your furnace More intricate furnace problems that could bring about impending furnace replacement Decreased efficiency, due to a wornout furnace A voided warranty after sporadic maintenance over time Avoiding routine furnace service and leaving it to chance with Kingsville weather is not the greatest option. The best way to consider your furnace is to regard it like your car. Vehicles always need particular regular maintenance to keep everything operating efficiently, and without this maintenance, the longevity of your car would decrease. It's the same for your furnace, and the greatest time to schedule service is now before you forget! If you want to hear more about what the team at Four Seasons Air Conditioning and Heating LLC can do for you and your furnace during the spring, give us a call at 361-214-1203. Back To Blog


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Paying for Postgraduate Study – Findings from our evaluation of The Master's Degree Loan Scheme
Contemporary discussion about encouraging access to Master's degree study has long contemplated the potential role of government-offered student loans in driving take-up of postgraduate study. Introduced in 2016, the Master's Degree Loan Scheme marks the first time that the Government has offered such a contribution to the costs of Master's study, in an attempt to bring the student loan offer for postgraduate students somewhat in line with that offered to undergraduates.
Given the importance of this DfE initiative for postgraduate students, IFF are delighted to see that our independent evaluation of the Master's Degree Loan has been published by the Department for Education. This report presents the findings of a survey of 2,002 Master's students who started their study in 2016/17 and a survey of 79 providers of postgraduate education as well as analysis of historic secondary data. Findings from the quantitative study were also supplemented by qualitative interviews with Master's students.
This study found that the English-domiciled Master's population increased by a third between 2015/16 and 2016/17, suggesting at this early stage that the loan has been successful in increasing access to Master's level education. This was accompanied by an increase in the proportion of students from a BAME background that made up the loan-eligible population of students studying at Master's level, suggesting some success in widening participation as well.
Our research also uncovered evidence of the Loan leading to earlier access to the benefits enjoyed after students graduate, facilitating full-time rather than part-time study at postgraduate level for some students. This was not echoed, however, through any conclusive evidence that the Loan has reduced the average time gap that passes between undergraduate and postgraduate study.
From the perspective of Higher Education Institutions, our report also demonstrates that the Loan will help to provide more sustainable income for the sector, with institutions benefitting from increased student volumes in 2016/17. Half of institutions surveyed also reported that they believe the Loan will lead to increased revenue in the future.
On the same day that the report was published, Chris Skidmore MP, the Minister of State for Universities, Science, Research and Innovation, quoted our findings as part of his speech at the London School of Economics regarding governmental efforts to "secure the research talent of tomorrow".
For more information speak to blog authors Lorna Adams and Sam Whittaker.
E: firstname.lastname@example.com
E: email@example.com


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Dark Hoard is an anthology of Dark Fiction and Poetry, collected from amateur and professional authors. It has been illustrated by talented artists and graphic designers. The book is unique and very collectable.
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Washed, ironed, cooked catsup. Leo & Rose came we went along to Emil sale, pap got harness etc. everything went pretty good had large crowd; fruit jars 70¢ doz. can buy new ones for 69¢ & 75¢, antique bed $8. Mrs. Krack got it; Mrs. Troppe got some old things to. We went to Orlets for supper. Leo & pap went to Guernsheimer's looked at pigs, bought 5 – $13. nice ones.
Monday, Aug. 16, 1937
Canned 5 qts. peaches, 1 tomatoes, cooked catsup. Pap went to Waterloo to get fruit jars; didn't have them in yet, he stayed all morn. still didn't come, he is going to deliver them tomorrow. Berniece came said, there was some fish left, if anybody wanted some, at Mertz's on ice; we don't want any today. Uncle Fred & A. [Aunt] Mary came this afternoon, he helped put up stands, got 5 chickens – 12 lbs. @ 19¢ for pinic [sic] tomorrow; had watermelon lunch. Nic Schaefer Jr. was here, stopped on way home from Hess sale at Ruma. Gypsy Joe sang song for Mrs. Hess by Agnes today.
Saturday, June 13, 1936
Henry came, looked at the wheat, pap went out there this morning, started but had to quit; it is to green yet; wait till Mon. now, then cut up here. Uncle Fred & Aunt Mary went up, we all went to Waterloo to Streicher's sale, bought 35¢. All kind fruit jars, for 10¢ 35 of them. Went to church this afternoon at Waterloo. Rose & Bert went to Maniers got fish sandwiches & beer. Boy it was good.