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Social Responsibility
About us
KIANG LONG PAGJU FUND FOR EDUCATION was established by Dr.Kritsda Ukarapattayakul who is the Chairman of the Foundation.
- The purpose is to support and promote quality education and sports for inadequate schools.
- Along with other activities for public charities and social benefits.
- Including social and community development through.
- Research and exchange experiences and opinions with relevant organizations to enhance people's knowledge.
- Without political interference.
- We are a private development organization which supports and promotes social work as anon-profit and independent organization.
Board of Directors
Kritsda Ukarapattayakul
Chairman of the board
Jakkrit Issariyachaikul
Wiwat Suangsutarn
Director and Treasurer
Somchai Hatsuwan
Director and Secretary
Assoc.Prof.Dr.Surapol Raadnui


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Pracodawca zakończył rekrutację na to ogłoszenie
At Arla, we do so much more than make some of the world's favorite dairy products. In Shared Services Centre in Gdansk we support our colleagues worldwide by providing them with world- class accounting, finance, procurement, tax, IT, master data and HR processes.
Looking for a good start of your career?
Join us on Trainee position and become a member of our international team. If you are willing to develop in the area of accountancy, procurement and customer support, you are the one we are looking for!
Teamwork and dedication
Thanks to your passion and engagement, you'll have the chance to support service and performance culture along with our teams.
If in finance - your main focus will be assisting accountants in cooperation with internal clients as well as their customers and vendors within SAP system.
If in procurement area – you will be a contact point for our internal clients when confirming purchase orders in Ariba system.
You can also support our colleagues in Europe within HR Administration and customer support area when working with Success Factors system.
For Trainees in Arla Summer Internship Program we have prepared exciting journey which will prepare them to professional career in large organization. Together with other participants of the program they will be able to share their experience and views.
Sharing Arla values
In regard of continuous growth of our Shared Service Centre in Gdańsk we are currently looking for students or graduates of finance, accounting, economics, management, logistics, Scandinavian or German studies or similar area, who will take part in our Arla Summer Internship Program.
To be successful in our company you have to speak English fluently. We are looking for ambitious people who want to challenge themselves with the unique opportunity of working in fast-paced environment. In addition, we expect the candidate to have attention to details and accuracy.
What you can expect from us:
Application and contact
We process applications on a continuous basis and close the job opening once the right candidate has been found.
Please apply via this link
Utwórz powiadomienie, a informacje o nowych ofertach pracy spełniających Twoje kryteria otrzymasz mailowo.
Dziękujemy za utworzenie powiadomienia. Nowe oferty pracy spełniające ustawione przez Ciebie kryteria będą przesyłane na Twój adres e-mail.
Zamknij okno, aby wrócić do poprzedniej strony.

subset: commoncrawl


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FRANKLIN, Mass.—After 33 years and many diversified roles, Pete Jelalian is calling it quits at Camp Haiastan, a place he affectionately calls "his second home."
It's been a long, rewarding, and extremely devoted career, beginning as a camper, then a counselor, lifeguard, director, and member of the Board of Directors—a tenure that's spanned five decades from 1962 to 2008 in no short order.
His final order of business will take place in June when he orients a new director to take his place.
To the youngsters, he's been known as "Baron Pete." To the adults, an astute teacher and coach who has managed to "tough it out" when the going ever got to be a challenge.
"Within that time, the way we've done things has changed considerably due to liability and legal ramifications," he brought out. "Not once do I ever recall having compromised a young camper's welfare."
Thousands have passed through the ranks, from the very shy to the more aggressive, ultimately benefiting by the experience of becoming good, healthy Armenians of strong mind and unquenchable spirit.
Jelalian was among the timid when he was first introduced to the camp. He remembers the moment as if it were yesterday.
"I was 9 and very confused about attending," he recalled. "My father drove me from New York to Franklin and I was introduced to 'Baron Harry' (Kushigian). Once he showed me around, I was hooked. I didn't want to leave."
By the time he reached 15, Jelalian's goals were pretty much decided. He wanted to become a physical education instructor and a camp director some day. His first stint as a staffer came in 1973 when he was hired as a lifeguard after becoming certified.
Of the 33 years, 15 of them were as director, including the last 8—longer than any predecessor. An Armenian "Mr. Chips" of sorts, Jelalian reached the point where the parents he was now greeting were campers from his first tenure as counselor/director.
What's kept him connected for so long? Tradition! Devotion! Heritage!
"I believe that Armenian children can come to Franklin where they can play, learn, laugh, and bunk together," he says. "Most importantly, making friends, solidifying friendships, and learning to become proud Armenians. I only hope that all my responsibilities met with satisfaction from the care and supervision I provided."
Few were closer to Jelalian over that span than executive director Roy Callan. Their association dates back to 1974 when they were basketball rivals, Callan from Detroit and Jelelian from New York.
For five of those summers, they served as "Barons" together.
"Working with Peter as opposed to battling him on a basketball court has revealed the most wonderfully, caring, patient, and uplifting person to me," said Callan. "I've marveled at his ability to lovingly attract and lead Armenian children and young adults to this camp every season."
Callan described his contemporary as an "icon" of what any "Baron" at Camp Haiastan must be.
"These attributes are not long in number, neither are they complicated," added Callan. "Yet, they have served to validate the reason why hundreds of children have returned season after season and why many have gone on to become his staff members. It's also the reason why parents are bringing their children today. Peter finds a way to put the needs of others—campers, staffers, and parents alike—ahead of his own."
The 56-year-old Jelalian hails from Nanuet, N.Y., where he resides with Christine, his wife of 16 years, who has taught school 23 years. They have a 14-year-old daughter Theresa who is quite the basketball player like her dad, who played four years for City College of New York.
Jelalian is into his 33rd year as a special education instructor in New York, having made a Who's Who list of America's best teachers. He holds a physical education degree from City College and two masters degrees—one from Herbert H. Lehman College in recreational supervision and another in special education from Fordham University.
Away from the classroom, you'll often find Jelalian on a basketball court, either playing or coaching Armenian kids. He's also served six years on the St. Vartanantz Church Board of Trustees.
As a player himself, he was laden with talent. Some may list him among the very best in AYF circles to ever play the game. Despite the advancing years, he can still overhaul the jet set at camp.
"The AYF has always been an important part of my life," he points out. "Not only did it connect me with my history but allowed me to become a proud Armenian. It taught me organizational skills and how to manage people which were very important in my profession."
The hiring of a non-Armenian staff recently was the result of changing times and certainly had the community buzzing with curiosity. Of the 44 staff members last summer, 11 of them were odars. Jelalian continued to run his usual "tight ship" and kept the camp family unified and functioning.
"I believe Camp Haiastan is the jewel of the Armenian Youth Federation," he maintains. "In a perfect world, camp would be staffed by all AYF members and Armenians. This was not the case over the past couple years. The camp needed to fill key positions. Every Armenian who applied was hired last summer and we tried to accommodate them any way we could."
Advertisements for an Armenian staff were widespread, from newspapers and conventions to word-of-mouth and camp graduates.
"If people don't apply, we must go outside the lines to get qualified help," he said. "It's a commitment toward care, supervision, teaching, and implementing health and safety concerns. Due to liability, insurance, and potential legal ramifications, it's important that those hired understand and carry out those responsibilities."
The job carries its burden of sacrifice, putting your summer on hold for 10 weeks and being apart from your home and family life. The last four years, he's had the pleasure of his daughter by his side while wife Christine made the trek every weekend from New York to rejoin the family.
The extreme side called for day and night surveillance, constant maintenance, making sure every program was fluid, every child and parent satisfied, every counselor focused, every suspicious activity addressed, and every detail implemented. Failure is never an option here.
The numbers show that enrollment has surpassed 700 over the summer. The institution of a day camp and a special teen camp has paid dividends.
There to assist every step of the way was Bob Avakian, another camping catalyst who's been around for an eon in every capacity possible.
"He's been my mentor, along with his wife Zabel," says Jelalian. "They've understood and underscored the value of this camp. I'll never forget their trust, confidence, and friendship over these past three decades."
Jelalian's reputation often precedes him. He was honeymooning in the Caribbean in 1992 and heard a voice calling after him: "Baron Pete." He turned around to greet the Hajian family from Massachusetts.
Should you Google his name, you will find page after page of Jelalian and his relationship to Camp Haiastan.
Ask about his unsung heroes and he's quick to answer the hundreds of counselors who've given up their summers at the camp. Jelalian also lauds the Camp Council and Board of Directors for their commitment and the many volunteers who have stepped forward to clean the camp as well as his parents for their part. All have performed yeoman's work.
Among his proudest moments came in 1999 when he and good friend Kenny Sarajian were named AYF Olympic Kings. And, too, the many instances in which his nephews (Mark, Chris, and Eric Kanian) and daughter Theresa attended camp.
All in all, it's been a good ride—a roller coaster one at times but always on a firm track heading home.
"I'll return this summer to help make the transition a bit easier for the new director," says Jelalian. "The amount of time is varied. It's the new director's show, not mine. I'll be able to spend more time with my family."


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Want to accomplish some water heater maintenance today? It will not likely take very long. . .truly we were thinking about ten minutes. Yes, that is all it will take to do a few maintenance chores that any homeowner can perform. The best benefit is they should help Fort Lauderdale FL house owners with the following:
Ensuring ones water heater survives as long as possible, conserving expenses.
Making certain ones water heater runs safely and securely.
By ensuring it operates as energy efficiently as attainable, likewise saving expenses.
So with that in mind, let us educate you on how to invest 10 minutes once or two times a year to help prevent any water heater repairs for your Fort Lauderdale water heater.
Testing the T&P Relief Valve
The duty of the temperature and pressure relief valve, otherwise known as the T&P Valve, is very significant. It has the critical task of making sure excess pressure will not build up within the water storage tank, which in turn ensures the water heater doesn't explode. The infographic following illustrates the following techniques in evaluating it. The lever needs to be lifted some and then let go of it. Hopefully, it snapps back to its closed location rapidly. If it is performing properly, some water can be heard going in the drain pipe below the lever that was just lifted and the noise of a little pressure released is possibly observed. One will need a new valve whenever non-e of these things happen throughout the test.
Carry Out a Mimi Water Heater Tank Flush
Naturally, rust and corrosion will develop on the inside of the water storage tank thanks to the chemical reactions taking place with the parts that are needed to create heated water. We will not go straight into the complicated chemical specifics here, but simply by draining some of the water, it helps reduce the sediment, and supply the opportunity to view just how much sediment is in the water heater.
To undertake a little flush, locate a bucket under the drain valve, positioned on the bottom part of the tank, and open the drain valve. Only drain a few gallons of water – a couple pails full. Enable the water to sit in the final bucket for several minutes. After it settles, evaluate to observe how many things has settled to the lower part of the pail. If there is, if the water heater has actually not been drained for a long time (or ever), it would be best to do a complete flush of the tank to get as much of the sediment out as possible.
Examine how clear the water looks. When it does not look overly cloudy simply accomplishing the mini flush is going to be fine. If there is a lot of gunk in the water a whole flush needs to be performed. If you know it hasn't been drained for a long time, if ever, it is advisable to drain it all.
We will not be going directly into all the measures right here to accomplish this, but for educational reasons, first reduce the temperature. Wait at least one hour to allow for the water to cool off prior to draining it. In place of making use of the buckets, it truly is much easier to connect a garden hose to the drain valve and drain the water outdoors.
If one starts to be aware of odd popping noises from the water storage tank, it happens to be a signal that there may be a significant level of sediment accumulating inside. This significantly reduces the energy efficiency of the water heater.
Water heaters will work quite well without a lot of maintenance, and quite a few homeowners do not accomplish any maintenance with them. But, to gain the 3 rewards mentioned at the start of the post, it is very important to at least carry out these 2 responsibilities. If you have any queries or feel as if you want some help the very first time, tell us! We are always here to assist and to help prevent an unwelcome Fort Lauderdale Water Heater Repair.
From Visually.


text: At a series of town halls across Canada, CPAs and small and medium business owners took part in the CRA's latest round of Serving You Better consultations. The CRA was looking for ideas on how it could enhance its services and programs to better meet their needs. \nThe CRA's 2016 Serving You Better consultations generated a host of important improvements. These include launching a pilot program for a dedicated helpline for tax preparers, implementing T2 Auto-fill through commercial software, and creating a mobile app for businesses to help manage their interactions with the CRA. CRA has indicated that most of the actions from 2016 are now implemented. You can view these actions and track the CRA's progress in implementing them online.\nFor the 2018 consultations, CPA Canada developed a submission, based on member feedback received primarily through our SMP Tax Committee, as well as the Ordre des comptables professionnels agréés du Québec (CPA Québec)'s Tax Committee, detailing ways the agency could improve its services.\nSUGGESTIONS INCLUDE:\n\n broaden and make permanent its pilot program to provide tax practitioners with a dedicated helpline to help them resolve complex technical tax issues, and create a similar service to resolve more complicated issues for specific taxpayers\n provide clear guidance on requirements for keeping digital authorization records such as T183 forms\n develop a process for formally acknowledging receipt of paper-filed submissions within a reasonable time period (e.g., within 30 days after receipt)\n apply a consistent policy to requests for deadline extensions, and consider developing a list of common situations that allow taxpayers more than 30 days to respond to a CRA request\n ensure a consistent taxpayer experience in audit, collections and appeals process, across the nation, and across CRA functions\n enhance the technical knowledge and proficiency of its auditors, by looking for more effective and efficient ways of delivering its internal training such as working with organizations, like CPA Canada, to leverage existing well-respected tax training courses \n develop a process for improving the amount and timeliness of practical guidance available on the CRA's website to help small and medium businesses and their advisors comply with existing and new tax laws\n\nThe CRA says its commitment to ensuring a world-class tax system is ongoing, and we appreciate CRA's efforts in this regard. We would also note that the latest Auditor General's report has many recommendations designed to improve service to taxpayers and the CRA will develop plans that respond to these recommendations. Even though the latest consultations have ended, there's no need to wait for next time. The CRA is always open to fresh ideas, so if you have taxpayer service improvement suggestions, we'd like to hear them.\nKEEP THE CONVERSATION GOING\nWhat more can the CRA do to make compliance easier for small and medium businesses and those who advise them? You can keep the conversation going by posting a comment below.\n \nDisclaimer\nCPA Canada's Tax Blog is designed to create an exchange of ideas on tax policy and practice issues, and their impact on those who practice tax. Your comments can provide helpful input into the public interest advocacy positions developed by CPA Canada.


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Valuable Moment Wedding Cake Cover - Business - Small BusinessValuable Moment Wedding Cake CoverВ В by 1toperwq
in Business / Small Business В В (submitted 2012-07-04)
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Let us create a magical backdrop for you to do your own magic


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Batla House (2019)
In this action thriller inspired by the controversial Batla House encounter case, Sanjay Kumar, an honest cop, struggles to clear his name and deal with Post Traumatic Stress Disorder after he and his team are believed to have shot down innocent students. With no one ready to listen to him and the truth he knows, a depressed Sanjay must race against time to catch some culprits still at large and prove the encounter wasn't a fake one.
Director: Nikkhil Advani
Actors: Amruta Sant, Faizan Khan, John Abraham, Mrunal Thakur, Nora Fatehi, Ravi Kishan, Sonam Arora
Country: India
Duration: 2h 26min
Release: 2019
IMDb: 8.2


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Thursday, November 17 - Saturday, November 19, 2016
FRAMED CHART SEA COAST OF THE UNITED STATES FROM PLYMOUTH, MASS. TO SAUGHKONNET RIVER, RHODE ISLAND" Published in 1857. 29" x 31.5"..."
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CHART COAST OF THE UNITED STATES MONOMOY AND NANTUCKET SHOALS TO BLOCK ISLAND" By A.D. Bache. Published in 1860. Mounted on heavy p..."
Hosting • Design • Development: Community Internet Cape Cod SEO


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Most Popular Internet Degrees
In this article we will be discussing Most Popular Internet Degrees. Have you heard the age-old statement "it is safer than to be sorry"? I think this declaration is befitting the situation at hand and the topic which we are about to discuss over here. Before venturing out to search for reputed and recognized online colleges, it makes sense to learn in-depth about the degrees that have gained notoriety in a short time.
Now some among you might be wondering – why is it so important to go after the most popular internet degrees? The Internet Education Site tells us; the vantages are many. Instead of spending time hunting for that dream job, you can rest assured if you opt for any one of the below listed courses.
Please bear in mind that my intention is not to belittle all the courses and list only a handful of them. However, if you undertake specific courses, then the entire venture will turn out to be even more fruitful that you had originally envisioned.
Business degrees happen to be one of the most commonly opted forms of online degrees these days. Keeping in tune with the existing economic situation, countless business schools and colleges are already offering distance education programs via the internet. Look around you and you will realize that literally everything is being commercialized swiftly. Hence, companies are always on the lookout for diligent students who score well on the qualifying exams (that is if they opt for a business degree).
Online medical degrees are also finding favor among many. As of today, it is not practical to complete the entire four (or five) year medicine courses via internet education. However, if you are looking forward to obtaining a degree in pharmaceutical sciences, then look no further. Do not look upon this lot with contempt; according to researchers, hospitals and health care centers are experiencing a shortage of intelligent pharmacists. Hence, make good use of this opportunity.
Online engineering degrees are much sought after by the population. As they say, an engineer builds the world. There are various streams for engineering, and you can specialize in any one of them at the comfort of your living room. Speaking of online engineering courses you can enroll for graduate and post graduate degrees with some of the accredited sources in the United States.
Although an online degree in education might not look (or sound) fanciful, you are grossly underestimating the real potency of this particular domain. Yes, it is true that you have to be exceptionally brilliant in order to excel in this niche. Look at the bright side, though. With nominal efforts, you can begin to scale heights in the industry. Famous universities and colleges across the globe are more than willing to offer you nicer perquisites if you join them (after securing the online degree).
At the end of the day, everything boils down to how much hard work and dedication that you are willing to put up. Utilize the internet to the fullest and harness information from various sources; data that would help you understand the subject in a much better manner!


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As marketers, when we engage in relationship building with influencers, consciously or not, we apply a very simple mental model to:
- Assess the potential impact of the relationship (Are they important to me?)
- Evaluate the effort needed to turn them into evangelists (Are they a friend of the business already? Do they know we exist?)
This 2 dimensional model helps us figure out where we should invest our time and energy.
Marketers will often favor the "N" strategy. They'll spend the majority of their time furthering the relationship with people who already like their brand to first leverage endorsements by influential evangelists and then try to turn super fans into influential evangelists and develop fan communities.
Many service providers have played along to help brands better organize and measure their advocacy programs. And even though such programs are compelling for marketers and senior execs — because they reflect and amplify how great the brand is — they are rarely effective.
Artificially increasing the influence of fans starts from the wrongful premise that what they need to be influential is a bigger microphone. For sure, brands can amplify a positive signal from these fans but besides increasing the chatter within a fan community already convinced of the virtues of the brand, how does this really move the needle for the brand?
Crafty marketers however will favor the "S" strategy to advocacy. They'll nurture their influential evangelists who will in turn take care of communicating to their fans (in a much more effective way) but then quickly move to engage influential detractors and those who don't know about their brand yet. Why? Because this is where they can gain the most ground and make the biggest difference.
And while it can be uncomfortable to marketers to engage with influencers who don't like their brand or don't know it exists, turning detractors into effective evangelists is much more realistic than turning fans into influencers.
Here are a few simple tips on how to go about it:
- Be authentic: don't hide behind a corporate handle, engage with them personally.
- Show empathy: understand and respect their viewpoint, don't just give them the company's party line. When you do, you'll quickly find common ground and create a space for a constructive debate.
- Climb the social engagement ladder, one step at a time: as Tara Hunt rightly points out, you don't get to ask someone to marry you on a first date...
- Build a virtuous circle: influencers, like the rest of us, get influenced. If you can't get through to someone, reach their influence network to build awareness and positive brand perception.
- Love your detractors & show altruism: the hardest thing for marketers is to set aside their tactical goals when engaging with influencers. It is however the only path to success. Unless you genuinely work towards making their life better without expecting anything in return, all your conversations will be loaded. Porter Gale said it best: "Give Give Get".
The reward for your efforts? A dramatic increase of positive influential conversations and access to new communities through these influencers that you may have not touched before.


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Consumer Goods
The Consumer Packaged Goods industry is one where some of the most creative work in the digital and modern integrated marketing space takes place.
We're constantly inspired by the work of global brands like Coca Cola and beyond, who craft deeply engaging experiences that connect and engage consumers across channels.
Our experience working with clients in this industry spans food and beverage brands, healthcare products, alcoholic beverages / spirits and more.
We take pride in applying our industry experience to help consumer packaged goods brands accelerate their customer engagement and connect marketing activity to results.
how we add value
In the Consumer Packaged Goods and Distribution sector marketers have the relative advantage of being able to use modern marketing to drive rich, engaging consumer experiences that advance brand goals.
At the same time CPG clients can face a challenge in directly attributing marketing activities to sales given a tiered distribution model.
In our experience this is a sector that requires agencies and clients to work collaboratively with great effort and imagination to translate marketing to measurable results.
We've helped a range of Caribbean brands to deliver on their brand awareness and perception goals via social media, web, mobile and in-person activations. Our comfort being a highly results-oriented and data-driven agency is also a key differentiator in our work in this sector.
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Babysitting Blues
measures 19.5″ x 25.75″. The price is $225.
I do not claim to know anything about elephants, but they sure are fun to look at, and what a truly majestic beast. So very many of God's creations are all wondrous and beautiful. I am grateful to be able to paint them.
Return to
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text:
Loan Rate Sheets: The Games Lenders Play With Rate and Cost Adjustments
This is part and parcel of the system that's abused. Here are sample rates from one A paper lender, picked at random, that were in effect when I originally wrote this. Rates are lower now, but it's a good example nonetheless. These were Fannie and Freddie conforming 30 year fixed rate mortgages with full documentation of the loan. The first number is the cost for a 15 day lock, the second for a 30 day lock, and the third for a 45 day lock. A positive number means it costs that number of discount points to get the rate. A negative number means that the lender will pay that many discount points for a loan done on those terms. I want to make the point that these are wholesale rates, but I didn't feel like translating them to retail. I don't work for free any more than you do, nor does any other loan provider.
5.750% 1.00 1.25 1.50
5.875% .375 .625 .875
6.000% 0.00 0.25 0.50
6.125%-0.50-0.25 0.00
As you should notice throughout, there is a 0.25 spread in costs between locking in any particular rate for 15 days as opposed to 30, or 30 days as opposed to 45. This is because it costs them money to have the money standing around doing nothing waiting for your loan to fund. The difference in costs between a 15 day lock and a 45 day lock at the same rate is half a point. When I wrote this, the column you wanted to pay attention to was the thirty day column. Due to regulatory changes and market changes, that's not the case any longer. In point of fact, nobody actually locks the loan with a lender any longer until they have at least every 'prior to documents' condition satisfied with the underwriter, meaning the lender has agreed that there appear to be nothing in the borrower's financial condition that would result in them rejecting the loan, and are prepared to draw up a final loan contract for signature. It costs the loan officer - and their company - too much if a loan is locked but not delivered.
When I started in this business, I locked every loan as soon as the customer said they wanted it. That meant a thirty day lock if you (the loan officer) were on the ball. You can't do that any more without losing your shirt, because if you don't fund at least seventy percent of what you lock, the lenders are going to refuse to do business with that loan officer, and they have surcharges on the loan officer if they fail to actually fund at least eighty percent of what they lock. Given how paranoid lenders have gotten, you're going to have a certain number of applicants who flat out cannot qualify, and in at least one case out of ten, that failure is unpredictable just because nobody is the cookie cutter picture of an ideal underwriting scenario any longer.
Given regulatory changes, a loan officer has to be on the ball to get a refinance funded in two weeks from lock. Even if everything is ready to go, the lenders want a final redisclosure 7 days before signing documents, and with the three day right of rescission on refinances it takes another week after signing to actually fund the loan. That's once everything else is ready to go. You want the rate locked as early as practical, or you really have no idea whether it will be available when you get to the end of the process but other changes to the business make it prohibitively expensive to lock your loan at all before you have an underwriting commitment. Many providers work on a "promise the moon and wait and hope" basis, hoping the rates will drop. They get one loan for sure, when they lure you in with a low quote they cannot currently deliver, and if they get lucky and rates drop, you think they walk on water.
Now this is a fairly broad spread rate sheet, as the company was willing to take clients through a large range. On the other hand, at a 5/8ths of an additional point hit for 1/8th percent rate below 5.875, they were telling you that they really would prefer to keep their customer's rates locked in for 30 years above that. On the other hand, since most people dispose of their old loans about every two years, most folks shouldn't want to pay those costs, which will take much more than two years to recoup from the lower rate. It's much the same phenomenon as insurance companies guarding against adverse selection (only those folks who have major health problems buying health insurance, for example).
Which loan is the best for you? Don't know without more specifics. It depends on approximate loan amount, your life plans, your proclivities, and your financial situation.
But the devil is in the details, and one of the worst and most common devils is details is a provider "forgetting" the adjustments. Adjustments generally mean that the loan will be more costly than the basic rate/cost tradeoff outlined above, so "forgetting" to post the adjustments on a Good Faith Estimate is one of the easiest and most effective ways to lie in order to make your loan look more attractive by comparison. Since most providers don't guarantee their estimates, they can do this with basic impunity, but make no mistake - they know what the price is really going to be. If they won't guarantee their estimates, ask them why not. Here are the possibly applicable adjustments for this category:
Loan amount under $60,000: half a point
Loan amount $60k up to $100k: quarter of a point
cash out loan, 70-80% LTV: half a point
cash out loan, 80-90% LTV: three quarters of a point
Investment property 50-75% LTV: one and a half points
Investment property 75-80% LTV: two points
Investment property 80-90% LTV: two and a half points
No Impounds fee: quarter point
2 units 90-95% LTV: half a point
Manufactured home: three quarters of a point (they also have an absolute maximum CLTV of 80%)
Loan distribution
80/15/5 quarter of a point
75/20/5 quarter of a point
Interest only one and one eighths points
if CLTV over 90%: additional quarter point
97 percent of purchase price financed: three quarters of a point
100 percent of purchase price financed: one and a half points
2/1 Buydown two and a half points
Stated income FICO 680-699: half a point
Stated income FICO 700+: quarter of a point
(Stated Income loans are not available from any provider I'm aware of at this update)
So let's see. If you are doing a cash out to 75 percent loan stated income and have a credit score of 690, you add one point to the costs listed above. (half a point for stated income at 690, half a point for cash out to 75%)
If you have an investment property duplex at 90 percent LTV, you would add three points (investment property loans are relatively expensive, as you can see, and it isn't restricted to this lender. They are riskier loans)
Doing 100% financing on a $50,000 home: Two points. (when it was available)
One hopes you get the idea. To leave these out is a tempting omission for the less ethical providers. Just because they are left out does not mean you won't pay them. You will. Usually they will spring them on you with the final closing documents and hope you don't notice. Surprise!
(Between this profession and being a controller for twelve years, people should not wonder why I think that's one of the ugliest words in the language).
Indeed, during my six weeks at the Company Which Shall Remain Nameless, I had no fewer than three screaming arguments with my supervisor over telling prospective clients the truth about adjustments. They didn't want me to. I have this thing about telling clients the truth as best I know it.
Why do they do this? At signup, you have little emotional buy-in. At final loan docs, you are signing so much stuff that even a marginally skilled person who's trying to distract you will be successful a lot of the time. The industry statistics say that over fifty percent literally never notice, at least until much later, after the transaction is irrevocable. And somewhere around eighty five percent of those who notice do just want the process to be over so badly that they will sign anyway, not to mention the fact that in the case of a purchase, they probably don't have any choice at that point. They need the loan to get the house, without which they lose the deposit, and there is no more time remaining in the contract with which to go out and get another loan.
Caveat Emptor
Original here
Logical failures (straw man, ad hominem, red herring, etcetera) will be pointed out - and I hope you'll point out any such errors I make as well. If there's something you don't understand, ask.
Nonetheless, the idea of comments should be constructive. Aim them at the issue, not the individual. Consider it a challenge to make your criticism constructive. Try to be respectful. Those who make a habit of trollish behavior will be banned.
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I am joining Reagan @ Tunstall's Teaching Tidbits Hall Pass linky party. It sounds like a lot of fun so of course I wanted to join. Here are the directions:
I was looking through all my packets trying to find my favorite one. I like different packets for different reasons. I decided to pick 3 for this linky party. It was a turning point for me when I began using my Popcorn Sounds, Bubble Gum Words, and Writing Tips and Tidbits packets. I felt like I was working better with my parents as a team which made a big difference in my students' achievement. I used these packets when I taught kindergarten and used them for RTI when I taught 1st grade. All 3 of these packets have a structured homework program. You can read more about these packets:
My favorite area is the library. I love books! I'm always on the look out for new ones.
I like to use a call bell as a signal. One ding means the noise is too loud, two dings means "eyes on me", and three dings means it is time to clean up. When I used my voice in the past, students seemed to tune out my voice. I feel like they listen closer to what I have to say when I use the call bell.
At school when it gets crazy, try changing your shoes. I know it sounds odd when you say it. But, keep an extra pair of shoes at work and switch the next time you feel stressed. I'm not sure how this works but it really does. Of course, you should also stock up your closet with your favorite caffeinated beverage, candy, and salty snack, too.
My favorite sanity tip you can't do at school. But, it is the perfect escape when you get home. A bubble bath is the best way to relax after a terrible, horrible, no good, very bad day. It's quiet, you can change your mindset by reading a good book, and you can soak your troubles away.
Reader Interactions
Love the library picture. So true! Thanks so much for linking up Michelle!
I love your bubble bath sanity tip! I definitely do that sometimes and it seems to take all my worries and stresses away! I'll have to try the shoe changing tip!
That's So Second Grade
I have a blinged-out bell… and I love it! Ding, ding! 🙂
A Cupcake for the Teacher
I couldn't agree more about the bubble bath! Calgon take me away.
Cute Blog, Michelle! I am your newest follower!
Cute Blog, Michelle! I am your newest follower!


text:
Nurse Angel Musical Figurine(1292)Banberry Designs
is on back order
- Nurse Angel - Musical Porcelain Figurine
- Intrically detailed porcelain figurine
- Plays a musical tune: You Are My Sunshine. Wind up key on bottom
- Hanging porcelain heart reads - Nurses are angels in disguise
- SIZE: 6.5 x 4.5 Inch. Perfect gift for a nurse on Nurses Day
Nurse Angel - Musical Figurine. This angel features beaded wings and is made of porcelain. Plays a musical tune: You Are My Sunshine. Wind up key on bottom, Comes with heart reading: Nurses are angels in disguise. 6.5" x 4.5". Perfect gift for a nurse


text:
Meet Hamden Singles For Online Dating
At Adatingnest.com, you can meet Hamden singles in your area. Find and chat with singles at our free Hamden dating site. Find Hamden singles for free now.
I'm a laid back hard working independent man that drive trucks for a living and also run my own catering food vending business as well and when I do take time out for myself I love to travel go on boat cruises as going to basketball at the casinos also taking long walks on the beach I also enjoy com…
I'm a good hard working man with that old school manners. I'm honest sometimes to blunt. I love hanging with family and friends and of course my significant other when I have one.I hope that the lady that I do get to call mine understands that my job requires me to be gone for one to two weeks at a …


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We are aware this is a very thorough and fairly long form. That is why we enabled the function to "save and continue later." If you reach a point and need to pause your process, you may click "save and continue" at the bottom of the form and receive a link that is good for 30 days to continue where you left off.Today's Date
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This is my first full winter in the North since 2006. From 2007-2009, I was in North Carolina except for some time at Christmas. And let me tell you–I missed my Northern winters. I may be biting my tongue mid-January when roads are impassable…and I may be eating my words when winter dips deep into March, and grazes the beginning of April with a final snowfall, but right now, I LOVE THIS.
Snow has been falling since early this morning, and they're calling for it all week. It's not the kind of snow that's sticking much–after all, it's been 50 degrees for a week–but it's snowing!
In Pathetic News:
I need to go to the grocery store. I went home for lunch, pulled a sleeve of Saltines from the cupboard, a hot dog that Mike left from the fridge, and a Kraft single of American…and I made Hot Dog Cheese Saltines. I. Am. Pathetic.
Forget not that it is snowing.


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Henry's Original Teams Up with North Coast Opportunities Wildfire Relief Fund to Give Back to Communities Affected by NorCal Wildfires
CALIFORNIA -The largest fire in California's recorded history continues to ravage Mendocino County, claiming lives and causing destruction to homes, structures and land. Evacuations remain in place and Mendocino-based cannabis company, Henry's Original has teamed up with North Coast Opportunities Wildfire Relief Fund to help their affected communities. Henry's Original has teamed up with tökr, The Pottery, The Weed, and Cannary West to raise money for the victims. Donation boxes are at each location. At the moment the relief effort is in pressing need of grocery gift cards, gas gift cards, and cash. 100% of the funds collected will be provided to the North Coast Opportunities Wildfire Relief Fund.
Henry's Original is reputed as a premium, California-grown cannabis company. Taking pride in its northern Californian roots, Henry's Original continually gives back to its community. After learning about the fires that destroyed hundreds of homes in Sonoma and Santa Rosa last April, Jenna Meister, co-owner of Henry's Original, decided it was time to give back to one of the state's most critical freshwater aquifers. Now, with more than 400,000 acres burned in Mendocino County alone, Henry's Original is once again helping their community when they need it the most.
Learn more here:


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Carbon Scrubber to save the Fossil Fuel Industry (…with help from VW)
Cartoon for the folks
at ETC Group, warning
of the dangers of trusting
in the unproven new
technology called CCS
(Carbon Capture and
Storage) which has had
a lot of money and hype
thown at it, but has so
far not achieved much.
For a good summary
please see this article
by Pat Mooney, director
of the ETC Group.
Apparently there are a
series of TV adverts for
VW cars that have three
elderly women fawning
over a young man and /
or a VW car. In one of
these adverts they wave
a white hankerchief over
the exhaust pipe of a VW
car to "prove" it's emitting
very little exhaust.
According to the Financial
Times in September 2015,
"few technologies have
had so much money
thrown at them for so
many years by so many
governments and
companies, with such
feeble results."


text:
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Ensure convenient access to your property with automatic doors, installed and maintained by our expert team. Additionally, we supply and fit a variety of doors in different styles.
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Contact us, in London & the South East, to discover more about the door entry systems and disabled access doors we install as trusted specialists.
Choose the leading experts in window and door repairs and replacements. At Doorway Maintenance Company Ltd, we expertly install, maintain, and repair all types of doors, windows, door entry systems, and disabled access doors. Serving domestic and commercial clients throughout London and the surrounding areas, we take pride in maintaining excellent levels of customer service and offering highly competitive rates to keep our clients smiling.
Backed by more than 30 years of experience, we are proud to be registered with the FENSA™ and CHAS™ schemes. Our reputable company works with customers in various sectors, including:
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206 N 5th St
St Charles, MO 63301
2016 Artist's Workshop Reception
Art Presence and the Artist's Workshop invite you to the 2016 Artist's Workshop Reception, a festive reception for the artists, on Saturday, August 6 from 3–6pm. This is always a great time to discuss their work with the artists and to meet artists whom you do not yet know. We hope you will join us to celebrate this year's fine art and the artists who create it!
Perhaps you will recognize some of these fine artists whose work is included in the 2016 Artist's Workshop Annual Show & Sale:
- Wendy Adler
- Raye Aubin
- Susan Austin
- Jennifer Bagwell
- Steve and Sue Bennett
- Peter Coons
- Susan DeRosa
- Rick Evans
- Kim Faucher
- Marilyn Hurst
- Laura Kolding
- Jean Mailander
- Kirsten Meriwether
- Pamela Ourshalimian
- Jeanne Quigley
- Carolyn Roberts
- Jan Weydemeyer
About The Artist's Workshop Annual Show
Art Presence Art Center is delighted to host the 2016 Artist's Workshop Annual Show & Sale, the talented group's 32nd annual show. The Artist's Workshop is a Jacksonville-based group of artists who paint together en plein air during fair weather and in the studio during winter months. Each year the group presents the best work of their artists at their annual show and sale.
The 2016 Artist's Workshop Annual Show & Sale opens August 5, 2016 and continues through August 28. Art Presence Art Center's gallery will be open for you to view the exhibition from 11am–5pm every Friday through Sunday…four weekends of fine art to enjoy and select for your own home or office! This year's show includes works by many strong artists who are seasoned professionals, some who have been painting for forty years.


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Summer Reading Club at Idea Exchange
Idea Exchange's summer reading club is a two-time national award-winning program. All Idea Exchange locations offer the club during the months of July and August. This free program is for kids of all ages, interests, and reading abilities.
Our summer reading club program keeps kids engaged in learning throughout the summer, while also giving them an opportunity to play games, build, create, enjoy great programs, and win fun prizes.
In 2019, the summer reading club runs from Tuesday, July 2 to Friday, August 16. Pick-up a flyer next time you visit for all of the exciting summer program specials happening this summer. At the end of the summer, we celebrate an amazing summer of reading with our Innovation Nation Wrap-Up Party. Everyone is invited back to play games and explore our newest tech toys. Reporting booklets and promotional materials are supplied by TD Summer Reading Club.
2019 Desk Times
Queen's Square
Mondays – Thursdays: 9:30am – 8:00pm
Fridays and Saturdays: 9:30am – 5:00pm
Old Post Office
Mondays and Fridays: 10:00am – 5:00pm
Tuesdays – Thursdays: 10:00am – 6:00pm
(Closed 12:00 – 1:00pm Daily)
Preston and Clemens Mill
Mondays – Thursdays: 10:00am – 6:00pm
Fridays: 10:00am – 5:00pm
(Closed 12:00 – 1:00pm Daily)
Mondays – Thursdays: 10:00am – 8:00pm
Fridays and Saturdays: 10:00am – 5:00pm
Innovation Nation Wrap-Up Party
Clemens Mill: Monday, August 19 at 2:00pm
Old Post Office: Tuesday, August 20 at 10:30am
Hespeler: Tuesday, August 20 at 2:00pm
Preston: Wednesday, August 21 at 2:00pm
Queen's Square: Thursday, August 22 at 2:00pm


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Thailand is notable for three things to any visitor which is shopping, sightseeing and food. More so in the city of Bangkok with its mix of Thai and international hotch potch of dining choices and experience that has a wide array of food types to suit any taste from any country. The melting pot of aromatic spices, fresh herbs, choice of local and imported delicacies, not to mention imported chefs and Thailand's own home grown chef superstars are sure to cook up a storm for any discerning gastronomic palate. Those with a taste for fine dining right up to the famous street food of Thailand will find the cuisines in the country a delectable smorgasbord of eating experience.
One of the popular choices for a tourist attraction in Bangkok is the dining experience at BaiyokeSky Hotel. This hotel is located in the heart of Bangkok City well within the reach of the main shopping district and easily accessible by skytrain or the many taxis that ply the route. The BaiyokeSky Hotel is also the tallest hotel in Bangkok, offering a 360 degree bird's eye view of the Bangkok skyline. The restaurants in the hotel are located on the seventy fourth floors to the eighty fourth floors with revolving decks for an all-round dining experience.
Thaitourismguide offers a choice of dinner buffets at the BaiyokeSky Hotel for guests who are looking for an unusual dining experience to be included in their sightseeing in Bangkok travel itinerary. There are two options available for diners to Baiyokesky Hotel. One is the International Buffet at BaiyokeSky Hotel and the other is the Baiyoke Floating Market. The significant difference between these two buffets is the choice of food styles on the menu.
The International Buffet is held from 10.00 am to 1.00 pm and from 6.00pm to 10.00pm daily for lunch and dinner except for special festive days where there is a difference in opening times and prices (we advise patrons to check for the prices on special days such as Valentine's Day, Songkran, Loy Krathong, Christmas Eve and New Year's Eve). The dining room for the International Buffet is known as the Bangkok Sky Restaurant and is located on the 75th to 78th floor with access to the Observation Deck on the 77th floor and access to the Sky Walk Revolving Roof Deck on the 84th floor. Seating next to the panoramic windows are on a first come first serve basis, so if you want a good seat next to the windows for an unobstructed view of Bangkok City skyline, it is best to go early for a good seating arrangement.
Patrons will not be disappointed with the offerings in the International Buffet which also includes a Seafood Buffet Dinner. There are also dishes suitable for vegetarians for those who do not consume meat. Most of the ingredients and produce are either flown in fresh or taken from local vendors who supply the catch of the day directly to the hotel, so you can expect fresh from boat to serving dish for your choice of seafood and prime cuts as well as farm fresh and organic vegetables in their menu. A cross section of dishes include authentic Japanese sushi and sashimi choices with fresh air flown salmon for that lingering taste that goes so well with Mirin sauce or large sized fresh oysters on the shell with a dash of lemon and Tabasco or eaten Thai style with chilli paste, fried onions and herbs! You can also expect large sized freshly steamed River Prawns served with a chilli dip or for those who love meat, prime cuts of beef on the wagon and succulent New Zealand lamb roasted to perfection. The vegetarian palate is also not forgotten with choices of wholesome vegetarian dishes from India which includes lentils and dhal cooked in spices and herbs served with fragrant steamed rice or rotee. Those who would like a taste of Japanese food, will not be disappointed either with a good selection of fresh cut sashimi servings, sushi rolls and tempuras as well as teppanyakis. There are also good choices of salads, cold cuts, cheese boards and a variety of breads and endless array of desserts to complete your meal while taking in a good view of the city. The buffet is also cheaply priced for such a variety of menu selection and can be considered as one of the cheap price tour in Bangkok attractions for those who are looking for a good place to dine while in Bangkok.
If you are missing out on food from the floating markets of Bangkok, you should try the Baiyoke Floating Market buffet at the Baiyoke Hotel and have a floating market experience in one of the highest hotels in the city! It can be considered the highest floating market experience in Thailand on the 75th floor of the hotel. Created to reflect the ambiance of the floating markets in the city of the old Siamese era complete with the food served on long tail canal boats and it gives a feeling of being in one of the old floating markets but with all the comforts of an air conditioned and clean environment! They have even thoughtfully decorated the place with pictures of the nostalgic era to add on to the feel of an old floating market. You even get to have a canal like experience with old wooden houses and bridges added in for that extra authentic Thai canal feel that is very similar to the original settings, off course without the waterways but yet close enough for a similar ambiance.
Diners will be spoilt with choices of more than one hundred varieties of traditional and Thai street food style servings in this eat as much as you can buffet. If you want to try a good variety of Thai desserts including the famous mango and sticky rice, this is a great place to get a mouthful of this sticky dessert. Have a healthy serving of fresh grilled chicken with sticky rice or the famous somtum (young papaya salad). For something a little more unusual, try the variety of "canal boat" noodles that come piping hot and aromatic with a serving of fresh fish balls and herbs, then wash it all down with a cool glass of lemon grass juice. You will not miss the location of this restaurant with all the aromatic cooking coming from the boats lined up in rows waiting to serve you. This floating market buffet is one of the most popular buffet attractions in Bangkok not just for the variety but also the costs which is remarkably reasonably priced and also for the simple fact that you do not have to travel out of the way to sample a good selection of local food. The proximity of the Baiyoke Sky Hotel to all the main shopping areas such as Central World and Siam Paragon mean that you can do your shopping first and then head on to the hotel a short distance away to complete your day with a good meal.
So whenever you are visiting Bangkok and would like to try something different rather than heading out to the usual fast food restaurants or not sure of where to eat, give the buffets at Baiyoke Sky Hotel a try. Who knows, you just might come back for seconds, or thirds or even more but do remember to make your booking for the Baiyoke Floating Market and International Buffet in advance to avoid disappointment!


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It is with a mixture of sadness and a touch of relief that the Index Card A Day (ICAD) challenge comes to an end. Sadness because it was such fun and such a creative boost. A touch of relief because the time spent not just creating the cards but then trying to keep up with the FB group posts and compliment/"like" as many cards as possible was taking up a bit more time than I had hoped it would. But it was still so much fun! And so inspiring to see the other artists' work - a really supportive community was built in days and continued to thrive throughout the 61 days. Thanks again to Tammy Garcia for hosting this wonderful challenge. It was my first year but I hope to participate again next year as long as the challenge is continuing. If you check out the Daisy Yellow blog you can see other challenges that are starting soon.
I stamped my "ray" stamp (Tim Holtz) with Black Cherry Stayzon ink and then worked with Derwent Inktense stickes to fill out the sunet, sky and horizon. White gel pen and black felt-tipped pen were added after the piece was dry.


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Project Overview
Alternative media for seeding growth for short crop cycle baby spinach and salad mix production in a hydroponic greenhouse
- Vegetables: greens (leafy), greens (lettuces)
- Production Systems: hydroponics
Proposal summary:
The demand for year-round baby greens production is a market opportunity for northeast growers. However, the cost of available media to grow produce that has an extremely short growth cycle is expensive to purchase, and creates further costs and environmental concerns when it comes to storage and disposal. This project will research the feasibility of reusing peatlite media or using inorganic media that can be reused and produce no waste products. Outreach will be through greenhouse tours, presentations, fact sheets, and articles.


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Sign In again. · By kyleseeley23
This bitch really think we gonna PAY to play this game?HELL NO!!!! who bets she some prostitute...ME!Well.....I'm not paying to play this stupid game!!!!!!!!!!!!!!!!!!!!!
You're a rude prick. The creator of the game has faith in their work and believes its worth money, and judging from the sparkling reviews and many, many positive upvotes on steam, it probably is. Furthermore, the game is free, either here or on steam, you daft little gremlin, so stop insulting someone who put out their work for FREE, because that's what they did.
u are right she is nasty I like the game bc I have it
it is free and a good game U are a Bitch And A prostitute


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An award winning essay by K.B. Khushalani
13. Honesty the best of all Qualities of a trader
As in other fields it is hard work and intelligence that establish a recruit, so in trade it is Honesty that can establish him. Cheerful temperament, a tendency to accommodate the customer in his choice and demand, agreeable manners, respect for the customer, self-respect and, last but not least. honesty in dealing are some of the qualities required for successful business, and, among them all, honesty stands Supreme, and makes up for all the deficiencies and defects of the trader. One needs to realize how difficult it would be if all people were dishonest; one could not then move an inch. One cannot then trust anyone with anything even for a moment, nor can he pay him anything in advance.
14. False fears due to lack of self-confidence & experience
There is a general cry that the time for honesty is over, and that it is not valued now-a-days. There may be a grain of truth in the .statement, which amounts but to an acknowledgement of the struggle between honesty and dishonesty, or between truth and untruth which appears eternal, though. victory in the long run is never in doubt for honesty and truth. Under no case can dishonesty over-power honesty. Our fears against honesty are often merely theoretical, un- grounded, baseless and false. Our troubles are either; imaginary, self-created or self-invited. None of them that grumble against honesty has ever practised it, and never has he tasted the sweetness arising from it. His opinion is the opinion of others, who in turn cannot claim it as their own. Thus an idea, emanating from a few unworthy individuals, is passed on by several lips to several ears and obtains a strong grip over a large majority. A votary of dishonesty, when asked to state if he has put in serious efforts to follow up his trade by honesty or given a fair trial to it would certainly answer in the negative. People adopt the easiest course, they would like to go by the shortest route, they want to be rich in a day, and that is why they adopt dishonest means. The path of the honest dealer is weary in the beginning but joyful in the end, troublesome at the outset but easy in the long run, and tedious at the start but sure in due course. It is, of course, certain that he who starts his business on the lines of honest dealing will meet with opposition, but he should stand it bravely and every difficulty will melt away in due course leaving the way-clear for him. Generally every one who starts a new business meets with certain difficulties and obstacles: the success in the enterprise depends on the grit and tact of the actor. It is said that an honest man is offered more difficulties, but we should not at the same time forget that he has behind him, as an outcome of his honesty, a greater force to support him. This force is sure to succeed. The honest dealer may take long to establish, but when once established none can dislodge him. His success is lasting; the customers secured by him are permanent, and his profits regular, sure and more definite.
Editor: Manohar Khushalani
Copyright © 2008 stagebuzz.info
Site designed & maintained by Dipesh Khushalani


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INTERVIEW: Ashleigh Barty talks her grass-court success and dealing with disappointment at the Nature Valley Open.
Tag: Johanna Konta
ATP & WTA WEEK IN PREVIEW: Miami Open Draw Breakdowns
PREVIEW: Roger Federer is under a little pressure at the Miami Open, while Naomi Osaka is thrown in at the deep end.
Australian Open 2018 Journal Day Four: You Can't Stop The Heat
AUSTRALIAN OPEN: The temperatures soared in Melbourne on Day Four. Was it actually safe? Maybe Roger Federer had the right tactics.
Wimbledon Semifinal Analysis and Predictions: Muguruza faces Rybarikova as Konta duels Venus
WIMBLEDON: Watch semifinal analysis and predictions for Muguruza's clash with Rybarikova and Konta's match with Venus.
Wimbledon 2017 Day Three: Ominous Ostapenko, Nadal Rising, Azarenka's Statement and More
OPINIONS: Ostapenko looking possible for another major title, Nadal's unpredictable (but great) form, and more from Wimbledon Day Three.
"Perspective from the Outside": Johanna Konta, Wimbledon Chances and On-Court Coaching
AEGON OPEN NOTTINGHAM: Top seed Johanna Konta is looking good on the lawns, but a move during her quarterfinal match raises old questions.
Australian Open Journal and Results Day Six: The Present is awesome and the Future is bright
AUSTRALIAN OPEN JOURNAL: Rafael Nadal and Alexander Zverev produced a dramatic battle exploding with quality, and other stories.


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Daily Archives: January 9, 2020
From Christmas Day of 2019 to New Year's Eve our family took a trip to Amelia Island in Florida to just be together and celebrate Christmas, a New Year and help each other heal from the loss of Wes.
I had a long time to think about my family, my children, grandchildren and my beautiful bride. Looking at all these grown and growing chidren I thought about what advise I would offer to a new father from the perspective of one, fifty years down the road. I hope these thoughts help you become the father you want to be!
- Nothing is more important than spending the time it takes to build deep relationships with your children and their mother!
2. The values you pray they will develop starts early and has to be modeled in your daily life, in front of their eyes!
3. Seek God in your day to day life and He will honor your prayers for your family! He wants you to succeed, and He is ready and able to help you, you shouldn't try to do this alone.
4. Capture your children's lives in photos, videos and voice recordings! You will be do glad you did! Scott found some old cassette tapes of him, Wesley and Catherine talking when they were very, very young, it was a delight to hear those precious vocies again.
5. Pray with and for your children. Let them see how important it is to talk with God and allow them to see how He answer your prayers. It will teach them how much God loves us!
6. Teach your children about responsibility and a strong work ethic, honesty, integrity and honor! Our world needs people that live by these qualities.
7. Always be honest with your children! Trust always begins with honesty.
8. No one is ever to old for a hug! Children, grandchildren, wives, and friends need your affection. Don't ever be afraid to show it!
9. Go to church with your family, allow them to see the imporatnce of faith in your life.
10. Laugh, love, listen and stay comitted to your family, the dividends are enormous and priceless.
the pilgrim
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Richardson, TXHome Menu
Room Addition / Patio Enclosure
Room Addition / Patio Enclosure
Permit Fee Schedule
Permit submittal requirements are as follows:
Provide completed permit application - Residential Building Permit Application
Two sets of the following are required. All construction documents must be drawn to scale.
- Plot plan of the property and proposed addition. Shade or cross hatch addition area and provide distances to property lines.
- Foundation plan for the proposed addition - Note the type of existing foundation. New foundations must match the existing foundation or be appropriately engineered. Additions to existing post tension foundations, use of an existing foundation or an addition in excess of 500 sq. will require the new portion of the foundation to be engineered by a State of Texas Professional Engineer
- A dimensioned floor plan of the proposed addition. Include the following information: The immediate adjacent rooms with individual room uses labeled, egress sizes (windows/doors for bedrooms) and a written scope of work
- A typical wall section
- A complete roof framing plan - include all framing member sizing, spacing, clear spans & species. All conventional framing must demonstrate compliance with the 2015 International Residential Code or be appropriately engineered
- Second floor framing plan - include all framing member sizing, spacing, clear spans & species. All conventional framing must demonstrate compliance with the 2015 International Residential Code or be appropriately engineered. Pre-engineered floor systems (LPI, TJI, etc.): Submit the plan provided by the lumber company; include manufacturer's installation specifications
- Elevations or exterior side views of the structure. Label all exterior material.
- Complete fuel gas sizing plan for all appliances/appurtenances; include all gas appliances/appurtenances, total linear footage of gas piping, gas pipe sizing, individual appliance/ appurtenances BTU load & the total BTU load of the gas system
- Computer generated energy compliance report demonstrating compliance with the 2015 International International Energy Conservation Code
If you have any questions regarding these requirements, please contact Building Inspection at 972-744-4195 or email your questions or concerns to Building Inspection. Regular office hours are Monday through Friday from 8 a.m. to 5 p.m.
|Contact Information
|Phone 972-744-4180
Fax 972-744-5802
|Building Inspection
411 W. Arapaho Rd.
Suite 108
Richardson, TX 75080
Monday - Friday
8 a.m. - 5 p.m.
|NEW 2015 International Codes and the 2014 Edition of the National Electric Code Adopted
|Online Permits
|Contact Us/ FAQ
|Monthly Reports
|Express a Concern
|How Are We Doing?
|Useful Links


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Acton Custom Best Of The Best
I trailered my 1991 427FE Contemporary Cobra to NH to have Nick install a watts linkage of his own design. Nick and Bonni are amazing and very...
Aero Screen
A pleasure to deal with. Bought my aeros screen after a few questions / emails which were answered expertly and fast. Screen was posted to the UK and...
News Article
Hello Mr. Acton,
My name is Jeff Ferland. I'm a reporter with the Salmon Press and I would like to interview you for a profile article on you and...
Shift Light Bracket
The shift light bracket looks great!! Thanks for the great job.
Soft top parts
I am new to the Cobra world with my recent purchase of an Autokraft AC MK IV. I want to thank-you for your kind help and awesome service with such...


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5 Best Essential Oils for Smoothies When you are hungry, the easiest and quickest thing to do is whip up is a smoothie recipe, isn't it? However, are you always stocked up on all the ingredients required for your exceptional smoothie? No need to panic if you have run out of ingredients as long as you have a tiny vial of the essential oil. Also, the essential oil will definitely add more flavor to the smoothie. So, go ahead! All essential oils are concentrated hydrophobic liquid. Needless to say, the increased … [Read more...]
DIY Easy Green Yoga Mat Cleaning Spray
DIY GREEN YOGA MAT CLEANING SPRAY Yoga has been practiced worldwide for over 5,000 years and is quickly becoming one of the most common practices in Western culture.With the many healthy lifestyle benefits yoga boasts for our bodies, including strengthening bones, muscles and joints, not to mention reducing blood pressure and anxiety levels, it's no wonder we find ourselves attracted to this ancient heart healthy practice.As we spend more time taking care of our bodies, it's important … [Read more...]