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Cheap Hosting Solutions for Your Domain Names
There are 2 features you require in order to start a website. The first one is a domain name that will display your web portal when you write it in a browser, and the second one is a web hosting plan, which is inherently the data storage space on a hosting server where the site files will be located, plus a few more features that are included in it. The domain and the web hosting account are 2 associated, yet separate services, and you require both of them in order to have an operational site.
What is a Domain?
We offer more than 50 tlds
A domain name is the alpha-numeric name that you will choose to be the address for the web site: my-best-domain.com, for instance. A domain can be up to 64 symbols long and it includes two entities – a Top-Level Domain (TLD) and a second-level domain name (SLD). In the abovementioned illustration, my-best-domain is the SLD, and .com is the top-level domain name. While you can select the second-level domain name of the domain to be anything that has not been registered yet, there is a fixed number of top-level domain names to pick from. The top-level domain names can be generic (gTLDs) or country-code (ccTLDs), and can be registered for a certain stretch of time between one and 10 years. They may impose other preconditions when it comes to the registrant.
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As the domain is just a hostname and nothing more than that, you require a web hosting account where you have to include it. Thus, when you write it in a browser, it will show the web content that you host in the account, i.e. it will exhibit your online portal. You can have a domain name registered with a certain registrar and obtain the hosting service from another, although lots of service providers offer both services and it is more user-friendly to handle everything from one hosting Control Panel interface. Either way, since the domain registration and the website hosting plan are different services, you have to point the domain name to the hosting server where it will be added as hosted. To perform that, you need to change a specific setting, or record, of the domain - the so-called name server records. Each company has at least two name servers - ns1.www.nsdserver.com and ns2.www.nsdserver.com, for example. The hosting Control Panel that you use for your domain name gives you the chance to modify the nameservers and point the domain to one host or another.
The Necessity for Reliable web hosting Services
As soon as the domain name is pointed to a given domain hosting corporation and is added to their hosting servers, you will get a number of online services. The most essential one is that the website files that you host on the web hosting server will now be available online when you type your domain in a browser. You will also be able to establish email addresses like email@example.com and make use of webmail or a mail client to handle them. Whether you have a personal or a corporate online portal, being online and being able to set up e-mailboxes with your domain name are the two most fundamental things that you get with a website hosting plan. In case you host a business web portal – it will identify your business before your website visitors or customers. For that reason you demand a dependable service provider that will supply a dependable and stable hosting service.
Trustworthy Web Hosting Services Courtesy of 'Nik Soft Designs'
Extra web services that you receive by hosting a domain name with us are: FTP access to upload and download files easily, domain forwarding, email auto-responders and electronic mailing lists, and the possibility to set up and modify specific domain records from your Hepsia web hosting Control Panel.


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Research Project
Grant-in-Aid for General Scientific Research (B)
The aim of this study is to examine whether we can evaluate myocardial viability based on acoustic characteristics and elastic properties by measuring the ultrasonic attenuation, propagation velocity, and bulk modulus with a scanning acoustic microscopy. We investigated acoustic properties in ischemic myocardium such as stunned myocardium.The dogs were studied during 15 min of temporary LAD occlusion followed by 60 min of reperfusion. Myocardial specimens (stunned myocardium) which were obtained from endocardium in ischemic regin, were cut in 4 micron thickness, and prepared without paraffin on slide glass.1. We could not find any differences between iscemic myocardium (stunned myocardium) and normal using optical microscopy and electron microscopy. Using electron microscopy, only minimal swelling of the mitochondria and arcolemma was noted, with scattered evidence of mild cellular edema present in iscemic myocardium.2. Propagation velocity was 1656(]SY.+-[)36m/s in iscemic myocardium (stunned myocardium), and was 1657(]SY.+-[)8m/s in normal. There was no significant difference between them. Therefore, we considered that minimal changes in stunned myocardium produced no significant changes in acoustic properties.3. Furthermore, in order to evaluate the hardness of the ischemic myocardium, we use a new method to measure the bulk modulus and density of tissue specimen. We developed an acoustic cover membrane covering specimen in order to measure bulk modulus (Ks) and density (rhos) of specimen. This cover membrane is made of polycarbonate and is interposed between the specimen and the propagating medium. The intensity of the signal reflected from the cover membrane represents the acoustic impedance (Zs) of the specimen. So, if we measure Zs and Vs of specimen using the acoustic microscopy with this cover membrane, we can estimate Ks and rhos of specimen as follows ; Ks=ZsVs, rhos=Zs/Vs. In this way, we can evaluate the hardness of ischemic myocardium.
Published: 1993-03-31
Modified: 2016-04-21
User Guide
Terms of Use
Attribution of KAKENHI

subset: commoncrawl


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Ruby Beach Brewing Company
Located in the heart of Jacksonville Beach, Ruby Beach Brewing creates tradition American ales and lagers just steps away from the sand.
Signature beers include the American Garage IPA, Private Rye, Power to the Porter, Ruby Beach Wheat and Twin Finn Lager. The brewery also creates original seasonals that are rotated throughout the year. On top of a great brewery and patio, Ruby Beach Brewing also holds a full liquor bar and kitchen. With local craft beer, brunch, dinner specials and live music on weekends, Ruby Beach Brewing has something for everyone.
Monday - Wednesday: 11 a.m. - 12 a.m.
Thursday - Friday: 11 a.m.- 2 a.m.
Saturday: 10 a.m. - 2 a.m.
Sunday: 10 a.m. - 12 a.m.


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Why Are Eye Exams Important?
Routine eye exams are important — regardless of your age or your physical health.
During a comprehensive eye exam, your eye doctor does much more than just determine your prescription for eyeglasses or contact lenses. He or she will also check your eyes for common eye diseases, assess how your eyes work together as a team and evaluate your eyes as an indicator of your overall health.
In addition to our own website, there are other sites on the Web that provide interesting eye care and vision health information. Because we are committed to improving the overall eye health of our patients, we are providing the following selection of links to other websites you might find interesting and informative. We have grouped some of the links into various categories to provide quick access to the topics of greatest interest to you.
If you have a suggestion for a new link, please send us an email, as we are always looking for good resources to pass along to our valued patients and visitors to our website. We hope you find these sites helpful!
Below are some of the most recognized professional associations in the field of ophthalmology.
|American Academy of Ophthalmology
The American Academy of Ophthalmology is the largest national membership association of Eye MDs with over 7,000 members internationally. The website provides an in-depth look at eye care health, while providing their membership with ongoing learning and support.
|American Board of Ophthalmology
The ABO is an independent, non profit organization founded in 1916. This organization is responsible for the certification and continual learning for ophthalmic practices across the country.
|Eye and Vision Health
The following links provide some good general information on eye care and vision health
|All About Vision
A guide to eye care, LASIK laser eye surgery, eyeglasses, contact lenses, low vision, eye exams, computer vision syndrome, glaucoma, cataracts, macular degeneration, and other eye problems and diseases. Contains eye doctor Q&A's, frequently asked questions, and much more.
|Eye Care Source
An informative website offering a plethora of information to consumers interested in learning more about overall eye care health. Topics include everything from eye care, eye health, refractive surgery, eye conditions and diseases, choosing proper contacts, maintaining eye glasses, and much more.
|National Eye Institute
The National Eye Institute (NEI) was established by Congress in 1968 to protect and prolong the vision of the American people. Their main purpose is to develop public and professional education programs to help prevent blindness, reduce visual impairment, and increase awareness of services and devices that are available for people with low vision.


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On the 28th of August 2017, at approximately 7PM, the Hermiston Police Department responded to a call for service involving a 16-year-old female student athlete who reported to have been accosted by an unknown male while she was participating in a practice run in the area of SW 7th Street and W Quince Ave approximately 2 hours prior.
Around 10PM that night, the Hermiston Police Department pushed information out to the public on our Facebook page. That page was shared 540 times and over 32,000 people are believed to have viewed the information describing the unknown male as approximately 5'9" tall, with facial hair, noticeable tattoos, and driving a dark colored Toyota Prius.
Today our department concluded this investigation with the arrest of Joel Cardenas, 35 years of age, of 990 W Juniper Ave, Hermiston. Mr. Cardenas was interviewed by HPD detectives and later charged and lodged at the Umatilla County Jail in Pendleton on (1) count of Sex Abuse in the First Degree.
"This incident was very unfortunate for the victim, witnesses, members of this department and the entire Hermiston community. The actions of Mr. Cardenas are not indicative of what Hermiston normally experiences crime-wise, as our violent crime experience historically, is lower than like-sized cities. We believe there is a strong likelihood Mr. Cardenas has demonstrated this behavior in other incidents. If anyone has additional information or concern, they are encouraged to call 541-567-5519 and ask for the investigation unit."
"Every member of this agency from the newest officer to seasoned veterans participated in this very disturbing investigation. Inasmuch as social media can be distracting with misinformation, calls and tips were made to our department from the Facebook post that assisted. I personally feel blessed to be a part of an agency that has the hard working dedicated women and men that we do." stated Chief Jason Edmiston.


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2020 Summer Program Dates Now Available
Click Here to Complete Summer Program Registration
PPA is now offering new intensive summer program options such as- Middle School Relationships & High School Life Skills
Our Summer Intensive Programs and Camps are all are provided in a small group ratio by an experienced and caring team. Throughout the fun-filled day, our participants/campers will work on: conversation skills, play skills, following directions, self-regulation, problem-solving, flexibility, and all of the skills necessary for success in a child's daily functioning.
Frequently Asked Questions about PPA's Summer Services:
Is the registration fee applied to each week the child attends camp? There is a one-time registration fee for the Surf & Watersports Adventure Camp that applies for each child, each year. This fee applies to previous campers, patients of our practice, and new-comers. For example, if your child attends 2 weeks of our Surf & Watersports Adventure Camp, they would only pay one registration fee.
Is there a discount for siblings? There is a 10% discount for siblings that sign-up to attend the same week of camp.
Is there a payment plan? Camp fees are collected for each participant 14 days prior to the camp starting date, as indicated in our registration packet. Families are free to contact us to pay in portions prior to the deadline.
If my child is missing (a) day(s) from camp, can we be prorated? We are unable to prorate the fee for camp for participants due to the cost of materials and staff acquired. It would be best to participate in camp from beginning to end or contact our office to know when it might be best to miss.
Is there an option of aftercare? Our camps end around midday or early afternoon, due to activities/events taking place at the camp locations after the time, we are unable to provide care for participants after the camp end time. Please arrange to pick up your child(ren) promptly at the end time.
Who will be supervising/instructing the campers? The Intensive Social Skills Camps, Middle School Relationships, and High School Life Skills will be instructed by PPA therapists, accompanied by a few of our graduate level interns and students. Our Surf & Watersports Adventure Camp is supervised by seasoned PPA therapists, a Certified Paramedic, CPR and Lifeguard Instructor, graduate level interns and students, as well as vetted volunteers. There are also lifeguards at the Surfside Community Center (by the pool and beach), and a number of our volunteers and staff are trained to assist children during water activities.
Are there scholarships available? For our Surf & Watersports Adventure Camp, we have a limited number of full and 50% scholarship opportunities offered on a first come, first serve basis, based on financial need and appropriateness for the camp. For the Intensive Social Skills Camp, at this time we do not have scholarships available. In order to obtain a scholarship, we would need one of the following: a) income tax return documenting family income of under $50,000, or b) documentation of government assistance based on financial need (such as Medicaid). Please submit your registration form and documents of proof to be considered.


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Home >> solar energy street light price guide pdf free
What are solar panels? Solar panel electricity systems, also known as photovoltaics (PV), capture the sun's energy using photovoltaic cells. These cells don't need direct sunlight to work – they can still generate some electricity on a cloudy day.
If a car moving at 100 kilometres per hour hits a concrete wall, all of its kinetic energy must be turned into other forms of energy. What are those forms, and can anyone describe the overall ...
Vita-Lite, Vita-Brite®, Tru-Lite, Ott-Lite® Natural Light full spectrum day light bulbs can brighten your business like no other conventional fluorescent light bulb because full spectrum day light bulbs simulate the crisp, full spectrum, full color and ultraviolet spectrum of natural outdoor light.
Monthly Reminders It's Free. When your DTE Energy bill is ready, you will receive an email when your eBill paperless billing statement is ready for viewing, usually 17-20 days before the due date.
In 1839, the ability of some materials to create an electrical charge from light exposure was first observed by Alexandre-Edmond Becquerel. Though the premiere solar panels were too inefficient for even simple electric devices they were used as an instrument to measure light.
PV Basics: Step One -- Avoid the scams: There are some very heavily advertised guides for sale on the Internet in the $50 range that promise that you can make PV panels that will provide "80%" of your homes power for a couple hundred dollars.
NEW Home Energy Station -- make Hydrogen at your home for the FCX...: This is Honda's very serious go at a fuel cell car. It is designed from the ground up as a fuel cell car.
You Have Pricing Options! Find out what's right for you, based on your budget, lifestyle and energy needs. See My Options >
Mainstream technologies. Many industrialized nations have installed significant solar power capacity into their grids to supplement or provide an alternative to conventional energy sources while an increasing number of less developed nations have turned to solar to reduce dependence on expensive imported fuels (see solar power by country).
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Language… has created the word "loneliness" to express the pain of being alone. And it has created the word "solitude" to express the glory of being alone.
-Paul Tillich
Late last month, I and two of my friends (with one of their friends, also ^^) got the chance to sit down and have a talk about ourselves– our lives, studies, problems, and the like, because we haven't done it for a quite a while then. So the issue of temperaments and humorism was brought up. Nads said she's an extrovert, and that she knew (or sensed..or discerned) I was an introvert (which is true). David said he's an introvert too, but I told him he's more likely an extravert (a mix of introversion and extroversion). Nads said she'd thought she's surrounded with introverts; I, on the other had, with extroverts (ahahaha~). But the whole chat was about having the feeling of sadness in spite the truth that we are believers now. Continue reading


text: Health beds and mattresses may sometimes seem overhyped, but a new mattress can have a number of health benefits so long as it is purchased with your health in mind. A properly-supportive mattress can not only help you to get a better night's sleep, but it can also reduce a number of common aches and pains while helping you to have more energy with which to face the day. Here are just a few of the health benefits of buying a new mattress. A mattress designed with your health in mind will have few if any solid surfaces within the mattress itself, reducing or eliminating potential stress points that could cause muscle pain or result in tossing and turning throughout the night. The mattress will also be designed to offer better body support, ensuring proper spinal and skeletal alignment when you lay down in order to reduce joint stiffness and eliminate a number of the pains that result from improper spinal alignment. In addition to making you feel better while you're laying down, buying a new mattress can also help you to feel better throughout the rest of the day. Because you're spending less energy tossing and turning during the night, you'll be able to sleep more restfully and will wake up feeling much more refreshed the next morning. The lack of common aches will help you to face the day more energetically, letting you make the most of your days. You may also find an improvement in your overall health once you buy your new mattress, as getting more restful sleep will help to keep your immune system functioning properly so that it can fight off colds and other infections. Even when you do feel sick, getting adequate rest with a properly-supportive mattress can significantly reduce recovery time and help you to get back on your feet quickly. www.mattressnextday.co.uk


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Wednesday, December 3, 2008
LaCie CurrenKey USB Flash Drive
With the new LaCie CurrenKey you can easily transfer and transport your important data. The USB connector can be revealed by a simple twist. With the universal Hi-Speed USB 2.0 interface, the cross-platform LaCie CurrenKey can be used with all PC or Mac computers. Hi-Speed USB 2.0 not only offers universal compatibility and cross-platform convenience, but features hot-pluggable connection and high-speed transfer rates. Built-in memory of up to 8GB in a tiny USB flash key. Available with a bronze (4GB) or silver (8GB) finish. Shock-proof and durable die-cast casing.
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Casillas becomes first to play in 20 Champions League seasons
Iker Casillas has become the first player to participate in 20 Champions League seasons.
The Porto goalkeeper reached the mark when he started his side's opening Group D match against Schalke on Tuesday.
20 - Iker Casillas will become the first player in the Champions League history to play in 20 different seasons. Legend. pic.twitter.com/1HUkAvHW80— OptaJose (@OptaJose) September 18, 2018
With the start, Casillas went past Manchester United great Ryan Giggs, who played in 19 Champions League campaigns.
Rounding out the top three is another United legend, Paul Scholes, who took part in 17 seasons in Europe's premier club competition.
Casillas, 37, played in 16 Champions League campaigns with Real Madrid, and is now embarking on his fourth with the Portuguese side.
The former Spain international has won the competition three times: in 1999–00, 2001–02 and most recently in 2013–14, all of which came while playing for Real Madrid.
With Porto, Casillas has managed to get out of the group stage in the past two seasons, but the team was knocked out in the round of 16 both times.
He has been more successful on the domestic front, helping Porto to a league title last term.


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Hear Tomorrow's Great Pianists Today
Due to the COVID-19 pandemic, the 2020 Wadsworth competition is POSTPONED. Rescheduled dates will be announced shortly.
'Note' Worthy Talent: UWG's School of the Arts to Administer the Wadsworth Piano Competition
The University of West Georgia's School of the Arts (SOTA) recently announced it will administer the Wadsworth Piano Competition, a highly regarded competition that hosts eight of the world's best young pianists. The competition intends to provide participants with opportunities for growth by encouraging their artistic and entrepreneurial talents.
Aspiring Students Envision Futures in Healthcare
The nationwide opioid epidemic affects almost everyone. For young people planning to enter the healthcare profession, the crisis is of particular importance. Many such students will soon be on the front lines saving lives. UWG's Tanner Health System School of Nursing trains its students in how to cope with such issues hands-on.
Artist-in-Residence Program: Recent Artist Uses Art for Therapy
Newnan has a new resident. An artist-in-residence, that is. The Newnan Artist-in-Residence program - or ArtRez - combines the efforts of the University of West Georgia School of the Arts and UWG Newnan. The program offers artists of various disciplines the opportunity to temporarily reside at the Gray Cottage next door to the McRitchie-Hollis Museum.
UWG Newnan is Open for Business
Spread the word: University of West Georgia Newnan is expanding its upper level, in-class offerings for business majors.


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Karsten Architectural Design Ltd. is made up of an extremely skilled bunch, known for their ability to finish cohesive projects with a natural elegance. It is only fitting they have a website to match then, eh? With a basic website in place that did not truly portray the creative flair and solid expertise of the Karsten's operation, Beck & Caul set to work on helping the guys build a site that was a true reflection of their offering rebuilding their site from the ground up, focusing on seamless foundations which allowed their work to do the talking.
With a stellar library of stunning imagery, we were spoilt for choice in picking for this one. With the website simply needing to be a touchpoint for their customers, with project imagery proving their worth, simplicity was a key component for Karsten.


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3 Penny Publishing was founded in 2010 in Victoria, BC, Canada. We curate a large section of self-publishing resources to inform, encourage and inspire indie authors. In addition, we publish our own books and bookazines. We also hold writing workshops. Our overall aim is to use writing and publishing to create a more livable world.
About our current projects
Currently, our main publishing project is My Opportunity & Help Book BC. In addition, we also publish a child-authored children's book set in Beacon Hill Park and other locations in Victoria, BC. It is for sale at the BC Royal Museum Gift Shop. More publishing projects are planned for 2018.
Writing workshops
Since 2010 we have held several self-publishing workshops with fiction and non-fiction authors and publishing experts. In 2011, we were lucky to have the talented Harry Leslie Smith speak via Skype about his journey to write and self-publish his memoirs. Notably, Harry only began his first book when he was in his 80s. He is now a best-selling author and activist and had his new book published by Icon Books in 2017.
Here are some of our past workshop speakers:
- Bruce Batchelor: founder of Print-On-Demand (POD) publishing
- Joyce Sandilands: promotion and sales of best-selling local history fiction series
- Rebecca Kennel: author of local non-fiction book 'Victoria Bench-by-Bench'
- Grant McKenzie: international thriller novelist
- Matthew Ashdown: writer and former author coach
- Peggy Richardson: ebooks expert and publishing instructor
- Harry Leslie Smith: memoirist and activist (see above).
For more details, see our past events page.
For upcoming workshops go to our events page.
If you are looking for information and inspiration by current successful self-published authors, check out our Inspiring Quotes page.


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Click here to Worship Live with us Every Sunday Morning @ 10:30 am!
We are happy to have you in worship!Preston Hollow UMC Worship Videos on Facebook Preston Hollow UMC Worship Videos on Vimeo
Our Sunday morning worship is one of the best things we do here at Preston Hollow United Methodist Church. Feel free to join us here online or at the church!
Preston Hollow United Methodist Church
6315 Walnut Hill Lane
Dallas, Texas 75230
Get Directions (map)
Need help? Feel free to contact us!
(214) 363-4393


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Swedish bed maker Vividus offers custom designed £145,000 bed
Bed shops Shrewsbury are now offering a custom-designed continental bed made by four highly skilled artisans from Hästens workshop located in Köping, Sweden. The executive bed has a wool and cotton battling, horsetail hair, layers of flax, steel springs, and a pinewood frame. Although the price is quite higher, the ROI is also higher because it can serve you for more than two decades. If the bed enables you to enjoy eight hours of blissful sleep for 25 years, you will only be paying £1.75 for each hour. Although the bed has no guarantee, it comes with superior pillows that guarantee the ultimate comfort.
The Vividus bed aligns with the contemporary wellness science: with blissful night sleep you will prevent aging, keep a better shape, function better, learn quickly and live longer. Therefore, the bed is worth than a collectible timepiece or a high-end Mercedes. If you visit the bed shops Shrewsbury, you will wonder how an ordinary bed can be so expensive but a closer analysis shows that the bed is worth the investment. According to Bob Cooper, the vice president of the international retail at Hästen, the initial Vividus bed was released in 2006 and took almost one week to create and was selling at £99,056.
In the last one decade since the release of the first version, the Swedish bed maker has designed a version that regulates the body temperature and provides the ultimate support for perfect and blissful night sleep. There is no need to use plastic materials or night-trapping rubber. The new version takes nearly two weeks to complete and the bed maker primarily relies on just four experienced and certified craftsmen. Once a customer places an order, it takes 10 weeks or more to complete and deliver the Vividus bed.
Accounting for the £145,000 Cost
The overall cost commences at the bottom. The northern Swedish pine is slow growing but it is used for the wooden frame. A box spring made of several layers of flax and pure steel springs then sits on top of the pine frame. An extraordinary mattress sits on top of the box spring and holds additional springs, layers of wool battling and cotton, and also a horsehair lining. The "topper" or the mattress pad also comes with its individual layers of horsehair, wool, and cotton.
Horsehair is very critical since it creates the ultimate bounce after braiding the hair by hand and unwinding it. Each of the single curled strands functions just like a tiny spring, offering superior pliability and support. The cumulative effect of the horsehair strands is that they make the user feel as if the legs are slightly raised while sleeping on the luxurious bed. The next time you visit bed shops Shrewsbury, consider the Vividus bed and you will enjoy "sleeping on the cloud" each night.


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Dr. Jan Lanouette-Conley, MD
Maternal-Fetal Medicine
Sacramento Maternal Fetal Medicine
1792 Tribute Rd Ste 200 Sacramento , CA 95815
Get to Know Dr. Jan Lanouette-Conley, MD
Accepting Patients
30 Years
- Case Western Reserve University School of Medicine 1990
Insurances Carriers Accepted
Always check with your healthcare provider for most up to date information
- Aetna
- Blue Cross Blue Shield
- Blue Cross Blue Shield of California
- Blue Cross Blue Shield of Florida
- Cigna
- First Health (Coventry Health Care)
- Humana
- MultiPlan
Dr. Jan Lanouette-Conley, MD's Experience
Maternal-Fetal Medicine
Procedures Performed
- Amniocentesis
- Arterial Blood Gas Test (ABG)
- Chlamydia Infection Screening
- Colporrhaphy
- C-Section
- Fetal Cardiac Monitoring
- Gonorrhea Screening
- Hepatitis B Virus Screening
- Hepatitis Screening
- HIV Screening
- Hysterectomy - Open
- Pregnancy Ultrasound
- Removal of Reproductive Organs (Hysterectomy, Oophorectomy, Salpingectomy, Salpingo-Oophorectomy, Resection of Peritoneal Malignancy)
- Rh Incompatibility Screening
- Sexually Transmitted Infections Screening
- Syphilis Screening
- Thyroid Screening
- Vaginal Birth After Cesarean (VBAC)
- Vaginal Delivery and VBAC
Conditions Treated
- Abdominal Disorders
- All Headaches (incl. Migraine)
- Bacterial Sepsis
- Bleeding Disorders
- Blood Disorders
- Blood Disorders in Pregnancy
- Brain Disorders
- Breast Diseases
- Breech Position
- Cancer
- Chlamydia Infections
- Chronic Pelvic Pain
- Coagulation Defects in Pregnancy and Postpartum
- Encounters for Normal Pregnancies
- Endometriosis
- Genitourinary Tract Infections in Pregnancy
- Gestational Diabetes
- Hemorrhage from Placenta Previa
- Hemorrhoids
- High Risk Pregnancy
- HPV (Human Papillomavirus)
- Hypertension
- Hypertension Complicating Pregnancy, Childbirth and Postpartum
- Intrauterine Growth Restriction
- Maternal Anemia
- Menstrual Disorders (incl. Dysmenorrhea)
- Multiple Gestation
- Nausea
- Ovarian Cysts
- Pap Smear Abnormalities
- Peripartum Cardiomyopathy
- Placenta Previa
- Polycystic Ovarian Syndrome
- Preeclampsia
- Pregestational Diabetes Mellitus
- Pregnancy-Related Disorders
- Sexually Transmitted Diseases (STDs)
- Sickle Cell Disease
- Thrombosis
- Urinary Disorders
- Uterine Diseases
- Uterine Fibroids
- Vaginitis and-or Vaginosis
- Venous Thrombosis and Phlebitis in Pregnancy
Dr. Jan Lanouette-Conley, MD's Locations
Sacramento Maternal Fetal Medicine
1792 Tribute Rd Ste 200, Sacramento, CA 95815
(916) 678-5400 Fax: (916) 678-7666
Notice: "Find a Doctor" is provided by Dignity Health as a convenience to you. The information on each participating doctor is submitted to Dignity Health by each doctor and is not independently verified by Dignity Health. Each doctor is solely responsible for the completeness and accuracy of the information listed about him or her. Dignity Health is not responsible for any loss or damages caused by your reliance on the doctor information contained on Find a Doctor. You should telephone the doctor's office in advance to verify the accuracy of the information.


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Hyde at AmericanAirlines Arena , miami
The Best Seats in Town
Book an event at The Hyde Suite at AmericanAirlines Arena from February – April and receive:
- $200 Complimentary Beverage Credit
- Inquire for last minute games and events
*Terms & Conditions Apply. Must meet $6000 net event minimum. Subject to availability and black out dates.


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Is it already Day 13? I guess. It seems just a few days ago I was deleting Instagram off my phone and now by weeks end we will be half way through. The lack of Medias have not really been a problem for me, and I have enjoyed the extra time I've had, it has helped me get through the SAT and get school stuff done, and of course spend more time with God. I feel pretty good about the media fast this year so far, so fingers crossed it will pass without any temptations.
Praying for yall
Erik Washburn
What is a 30-Day Secular Media Fast?
What if the noise of godless media is drowning out the voice of God? Not all media is bad... but maybe the distraction away from God is making harder to hear and see God at work.
This is a journey of a group of high school students who have committed to take 30 days to focus on God through God-centered media. This includes TV, movies, books, magazines, smart phone apps, and many social media outlets.
Here, you can follow their stories, their lives, and their challenges. Feel free to leave comments and encouragement.
Tuesday, March 13, 2018
Quickly Now
Posted by Unknown at 3/13/2018
Labels: Erik W.
Subscribe to: Post Comments (Atom)


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Celebrity Landscaper "Yard Crasher" Ahmad Hassan to Host the California Honey Festival Pollinator Garden
Celebrity landscaper Ahmad Hassan will host the pollinator garden at the third Annual California Honey Festival, May 4, in Woodland, CA. Hassan is an American TV host, landscape contractor and certified horticulturalist. He›s best known as the original host and real-life personality on HGTV and DIY Networks Yard Crashers.
Visitors to the Pollinator Garden will learn how to plant their own bee-friendly habitats. Ahmad Hassan has been landscaping and creating aesthetically enhanced environments inside and out for over 25 years. His expertise is in integrating alternative, responsible and sustainable horticultural practices into his designs. His formal education in horticulture and management spanned 16 years and helped pave the way for a five-year television career as a green industry expert in the Home and Garden genre. After eight seasons of Yard Crashers and several guest appearances, Hassan decided to remain true to his first love of landscaping and education. His reputation as a professional is what he valued most. "Being a TV host is great, but my identity will always be that of a hard-working landscape professional. Television or not, it's who I am," said Hassan.
Ahmed continues to operate his small business as a landscape design/build contractor in Northern California and regularly travels the country hosting workshops, speaking engagements and performing philanthropy with his group of "Sustainable Heroes." Ahmed enlisted 3D Designer Duane Draughon of VizX Design studios and together they organized and developed Sustainable Heroes, in order to partner with other green industry professionals and support charitable organizations in building outdoor living spaces and gardening projects nationwide. "If you have a passion for living and creating sustainably, now's the time to do both.
My experience as a TV personality and motivational speaker makes me uniquely positioned to excite audiences and individuals interested in home and garden or the trades. The Green Industry is my passion, my livelihood and where I best relate," stated Hassan.


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1999, 9th EECERA Conference, Helsinki, Finland
How Does Early Education Lead to Lifelong Learning
Location: University of Helsinki,Helsinki, Finland
Date: 1 Sep 1999- 4 Sep 1999
How Does Early Education Lead to Lifelong Learning
Location: University of Helsinki,Helsinki, Finland
Date: 1 Sep 1999- 4 Sep 1999
Early Years Education: New Challenges, New Teachers
Location: University of Santiago, Santiago de Compostela, Spain
Date: 2 Sep 1998- 5 Sep 1998
Childhood in a Changing Society - Power, Autonomy and Early Years' Education
Location: Department of Psychology and Education, Ludwug-Maximillians-University of Munich, Munich, Germany
Date: 3 Sep 1997- 6 Sep 1997
Developing Adults, Developing Children
Location: Faculdade de Cincias da Universidade Lisboa, Lisboa, Portugal
Date: 1 Sep 1996- 4 Sep 1996
What are the Educational Objectives for Children Aged 0-7 Years?
Location: University of Sorbonne, Paris, France
Date: 7 Sep 1995- 9 Sep 1995
Settings in Interaction: Research and Implications
Location: Conference Centre, Hotel Arken, Goteborg, Sweden
Date: 1 Sep 1994- 3 Sep 1994
Practice Orientated Research Related to the Quality of Early Childhood Education
Location: The EDURIT Centre, Kriopigi, Chalkidiki, Greece
Date: 1 Sep 1993- 3 Sep 1993
Quality Education Provision for 3-7 year Olds: Its Implications and Implementation
Location: University College Worcester, Worcester, United Kingdom
Date: 27 Aug 1992- 29 Aug 1992
Defining and Assessing Quality in the Education of Children From 4 -7 Years
Location: Katholieke Universiteit Leuven, Leuven, Belgium
Date: 25 Sep 1991- 27 Sep 1991
Members can use their membership number to claim a discount off the conference ticket!
Login to find your membership number.
Sign up to our website and newsletter to get free access to exclusive content.


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08 Apr '12
As the name implies, end of service gratuity is an amount of money that every employee is entitled to receive, and every employer is liable to pay, upon termination of an employment relationship in the UAE, provided that the employee meets the conditions set out in the Labour Law (UAE Federal Law No.8 of 1980).
- Tags:
- dubai
- employees
- employer
- employment
- gratuity
United Arab Emirates
+971 50 285 4783
Shoeb Saher
- Economic Law Partners LLC
Office 10, Level 1,
Sharjah Media City
United Arab Emirates
- firstname.lastname@example.com
- +971 50 285 4783
Recent Post
- Key distinctions in the Legal Landscape between UAE and India that Indian investors in the UAE need to understand when considering investingBy Shoeb SaherJune 01, 2018(UAE) with its political stability, internal security, […]
- Offshore Companies – United Arab EmiratesBy Shoeb SaherJune 14, 2016What is it? Offshore company means a company formed in […]
- United Arab Emirates – Setting Up In The Free ZoneBy Shoeb SaherJune 05, 2016The UAE (United Arab Emirates) is one of the top […]
- Recent Amendments To UAE Labour Regulations – Actions Which The Employer Should Take Right NowBy Shoeb SaherApril 19, 2016In UAE Federal Law No. 08 of 1980, as amended (the […]
- :
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The login for SMS440.com has been found and verified. It was updated Monday, January, 20th 2020 and added to our official website user page account.
The SMS440 login page is listed online. Please confirm you are using the correct SMS440 login.
If the entry online is empty, then at the time of adding the login to SMS440 in our database nothing was found. If there is a entry online then at the time this archive login page for SMS440.com was created, the login page was:
The SMS440.com login page meta data has been listed online for your convenience. You can compare this data to the real login page when you arrive in order to verify you are using the correct login for the SMS440 website.
India SMS Text Service Online
Send Free SMS to any mobile! India's First web to mobile Free SMS site. Create a new SMS Online Account. The SMS online account provides access to user specific information.
We do not archive the keywords for SMS440 or any other listing in our archives at this time due to the lack of modern websites using them anymore.
SMS440.com Domain to IP Address:
In order to compare the real login to SMS440.com to an invalid page or to an updated sign-in for SMS440 if the website is offline or has been redesigned, we have taken a snapshot of what the SMS440 login page appeared as at the time of the archive and listed it online:
You can rate the login page for SMS440.com if you would like.
Please rate only once based on the look, functionality, and style of the SMS440 sign-in area of the website.
Record Type TTL Priority Content
sms440.com A 1 day 220.127.116.11 (New Delhi, 07, IN)
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The following pictures were submitted by Dawn Veltema to qualify for the Certification of Longarm Mastery. Used with permission.
Project #1 - E2E past quilt borders.
Project #2 - E2E within boundries
Projects #3 - #7 - Combination of the individual project into a table runner format
Project #3 - It starts with cross-hatching the entire block then masking out the center square-in-a-square. A vase is then put in the center square. Lastly an arc / handle of unconnected flowers is placed.
Project #4 - Project 4 brings together a variety of techniques and functions. You will:
1) Treat each piece of the vertical flying geese as a design element to have a separate pattern.
2) Treat each of the horizontal flying geese blocks as a design element to receive a pattern.
3) Make a pattern to make arcs on the seams of the bottom left four-square.
4) Place an elaborate circular pattern in the top right square and attach an additional pattern to the circular pattern so as to fill in the corners.
Project #5 - Project 5 combines:
1) Making a border-corner for one corner and copying it to the others;
2) Placing a wreath pattern around the center star;
3) Placing designs in the center star points;
4) Placing a flower in the center square,
5) Echoing to fill, and
6) Mask off the unwanted lines.
Project #6 - This project focuses on the two vertical sashings, shown in white, between projects 2 & 4 and 4 & 5.
The sashing is made by creating more, grouped copies, splitting them in the middle, and then flip one end to create a focal point effect.
The sashing made for the first is then copied and placed in the second position.
Project #7 - This project creates the complete border around projects 3 – 5.
Borders are somewhat unique in that there are two different distances used from the pattern to the edge. On the interior of the border the distance is usually ¼" while on the exterior it is usually ½" to allow for the space for the binding.
This technique can then be used to create the border around the edge-to-edge project 2.


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Homeland Security Jobs – Careers Explained
by ampmouse1
Homeland Security Jobs – Careers Explained
Homeland security has become much more of a priority in the United States and abroad due to the rise of terrorist attacks and other specialized domestic safety concerns in recent years. With the right degree and an ambition to protect our nation, you can have a very satisfying career with homeland security jobs. Most homeland security jobs require criminal justice degrees, although there are many different avenues you can take to get into the field and work your way up to the top. With approximately 180,000 officers working in the United States Department of Homeland Security and another 1.5 million employed by private agencies, it is definitely a booming field.
Once you finish school and begin working as a homeland security officer, your main duty will be to make sure that all U.S. borders, airports, seaports and other waterways are secure. This may sound like a job much like any another type of security guard, but that is far from the truth. The criminal justice role in homeland security involves analyzing, researching and developing innovative security technology to aid in disaster and attacks. Officers must also be able to examine intelligence reports and use the information to keep any threats from penetrating U.S. security systems.
The U.S. Capitol Police, the Bureau of Citizenship and Immigration Services, the U.S. Secret Service, the Federal Protective Service, the Federal Bureau of Investigation, the Transportation Security Administration and Park Services all employ homeland security officers. Getting a degree in criminal justice may be the first step to getting a chance at homeland security jobs. There are even many schools offering programs that are specifically geared towards homeland security. You may be required to take courses that include introduction to homeland security, understanding terrorism, and introduction to emergency management.
While employed in one of the many homeland security jobs, you may have a career as a security police officer, FBI Agent, Secret Service Agent, state police officer, U.S. Marshal, special agent, customs investigator or diplomatic security agent. Keep in mind, most of these jobs require a fair amount of experience after completing school and they definitely take a certain type of personality.


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A glossary of terms and words used in the mortgage industry.
TIP: Start typing a word in the the search box below!
|Phrase or Word
|The mortgage supplied by the mortgage provider.
|Adverse Credit
|A borrower or application that has past problems with bad credit, for instance late payment, bankruptcy or County Court Judgement.
|Adverse Credit Lender
|A mortgage provider who lends to applicants with adverse or bad credit.
|Adverse Credit Mortgage
|An adverse credit mortgage for borrowers who have had credit problems.
|A recommendation about the most suitable mortgage for the applicant made by the Mortgage Adviser.
|See Mortgage Adviser
|Adviser Fee
|The fee charged by a mortgage adviser for locating and processing the most appropriate mortgage, can be paid either up front, on successful offer or on mortgage completion.
|An applicants ability to repay the mortgage.
|Affordability Calculation
|A mortgage provider may use this method to calculate whether an applicants income is sufficient to service the new mortgage and their existing debts.
|Agreement In Principle
|See Decision In Principle
|Annual Percentage Rate (APR)
|APR is an industry standard calculation that enables direct comparison of mortgage products. The calculation reflects the total cost of a loan including interest rate charges and product fees, with the result being shown as a percentage.
|The term used to describe the person or persons applying for the mortgage.
|Application Fee
|A fee charged by the mortgage provider to process the mortgage application, normally charged upfront.
|Arrangement Fee
|A product fee charged by the mortgage provider. The arrangement fee is normally paid on successful arrangement of the mortgage, or can sometimes be added to the loan.
|The transfer of ownership of an insurance policy or a lease.
|Bad Credit
|A term applied to a borrower or application that has problems with credit, for instance late payment, bankruptcy or County Court Judgment (CCJ).
|Bad Credit Mortgage
|A bad credit mortgage allows an applicant that has bad credit such as defaults and CCJs to borrow mortgage funds.
|Balance Outstanding
|The amount of the mortgage still owed at a particular moment in time.
|Bank Legal Fee
|A fee charged by the mortgage provider to cover the legal costs which they may incur.
|Bank of England Base Rate (BOE)
|The rate of interest set by the Bank of England.
|A debtor (person, company, organisation) whose assets are administered by a court appointed trustee for the purpose of redistribution to the debtors creditors.
|The legal process by which a debtor who owes more than their assets has these assets transferred to a court appointed administrator.
|Base Rate
|This is a generic term used to describe the basic rate of interest set by governments or financial institutions. Base rates are usually applied to tracker products, as the total rate of interest paid is calculated by combining a base rate plus a margin rate set by the mortgage lender.
|Any income that an applicant uses that is not part of their regular salary, often performance related.
|Booking Fee
|A fee charged by a mortgage provider to reserve funds for a particular mortgage product.
|Bridging loan
|A short-term loan used to purchase a property. Often used as a temporary solution until a long term lending option becomes available.
|See Mortgage Adviser
|Broker Fee
|See Adviser Fee
|Building Regulations
|The health and safety requirements that any new construction must meet.
|Building Society
|A mutual institution owned by its investors and borrowers that provides a range of savings and mortgages.
|Buildings Insurance
|Insurance against the cost of rebuilding a property from scratch following structural damage, for example flood or fire.
|A mortgage used to buy or remortgage a property which the applicant intends to rent to tenants.
|The mortgage amount you borrow from the mortgage provider
|Capital and Interest
|A mortgage where the monthly mortgage payment will consist of 2 elements. The first element is to pay the cost of the mortgage interest, the second is to repay the capital borrowed over the mortgage period. Also known as a Repayment Mortgage
|Capped Mortgage
|A mortgage that has a maximum limit on the interest rate the borrower will have to pay during a specified period.
|Cashback Mortgage
|A mortgage that comes with a cash sum incentive.
|An interest in the ownership of a property, usually a mortgage or some other debt secured against the property.
|Charging Order
|A charge registered through the courts on a piece of property or land by a party to whom you are in arrears.
|Collar Mortgage
|A mortgage that has a minimum limit on the interest rate the borrower will have to pay during a specified period.
|See Procuration Fee
|Company applications
|Some lenders insist that the mortgage is set up in the name of a limited company. The client will need to ensure they already have or will set up a company that will meet the requirements of the lender. The lender may insist on this for legal reasons or it may just been an option for the client which in some cases, can favour the clients tax position.
|The completion date is the date your solicitor transfers the money from your lender to the vendors solicitor or, in the case of a remortgage the date the new lenders funds are transferred to the borrowers existing lender to repay their existing mortgage.
|Completion Fee
|This is a fee charged by the mortgage provider on successful drawdown of the mortgage funds.
|Contents Insurance
|Insurance against accidental damage or theft of all movable contents, inside the property.
|A document that describes the agreement under which the property will change hands.
|Conveyance Fee
|The charge paid usually to a solicitor for transferring property ownership.
|See Solicitor
|The process of transferring property from one party to another, usually managed by a solicitor or a licensed conveyancer.
|County Court Judgment (CCJ)
|A ruling of bad debt issued by the courts, that will be recorded on an individuals credit file.
|A condition, contained within the Title Deeds or lease, that the purchaser must comply with.
|Credit Check
|The process where a check is made on an applicants credit history.
|Credit History
|A history of a persons debts. Checking a credit history allows a lender to make an assessment as to whether a prospective client will maintain their mortgage repayments.
|Credit Rating
|See Credit Scoring
|Credit Report
|A report which details the credit history of an individual.
|Credit Scoring
|Mortgage Providers often use a system called credit scoring to help them decide whether or not to offer a mortgage to an applicant.
|The currency that the mortgage must be repaid in.
|Daily Interest Mortgage
|A mortgage in which interest is calculated daily.
|An amount owed by one party to another.
|Debt Consolidation
|The process of combining outstanding debts e.g. loans, credit cards etc, into one loan.
|Decision in Principal (DIP)
|A lender agrees to advance monies conditional upon the verification of the borrowers details.
|Legal documents that show property or land ownership.
|The failure to keep up with repayments on a credit agreement (such as a mortgage) see what is bad credit
|The amount of money a provided by the borrower towards the property purchase or remortgage.
|Direct Debit
|An instruction from an individual to their bank or building society to make regular payments from their bank account.
|Costs for legal work carried out in relation to the purchasing or remortgaging of a property
|This happens once a mortgage has been repaid.
|Discharge Fee
|An admin fee charged by a mortgage provider to cover the cost of transferring the property ownership documents at the end of the mortgage term. Also known as a Deeds Release Fee.
|Discount Mortgage
|Where the initial rate of interest charged by the mortgage provider is less than the standard rate charged.
|Discount Period
|The length of time a discount or special rate of interest will apply.
|Disposable Income
|The amount of money left from a persons income after the deduction of regular debts and living costs.
|Early repayment charge
|A charge imposed by a mortgage provider should the borrower repay the mortgage earlier than the product terms allow.
|A legal right over land.
|The difference between the mortgage amount and the property value.
|Equity Release
|When an individual wishes to raise finance against the available equity in a property.
|Equity Release Home Improvements
|Where a mortgage provider will allow equity release, but only for improvements on the mortgaged property.
|The term used to describe the base rate that applies to Europes Euro interest rates.
|European Central Bank
|The rate of interest set by the European Central Bank.
|Exchange of Contracts
|The point of the property purchase where contracts are exchanged and the terms become legally binding for both parties.
|Financial Services Authority (FSA)
|The Financial Services Authority the regulator of financial services in the UK. Currently Overseas mortgages are not regulated by this authority.
|First Charge
|The first (or main) mortgage held on a property.
|Fixed Rate Mortgage
|A mortgage where the interest rate will remain the same for a specified period.
|Fixtures and Fittings
|All non-structural items included in the purchase of a property.
|Legal title that gives you absolute ownership of the land your property is on.
|Further Advance
|An additional loan to an existing mortgage which is already secured against the property.
|Someone who guarantees to meet mortgage payments in the event the borrower does not do so.
|Higher Lending Charge (HLC)
|A fee that is sometimes charged by a mortgage provider when the loan to value ratio is above a certain limit.
|Income Multiples
|A method sometimes used by a mortgage provider to calculate how much an individual can borrow.
|Individual Voluntary Arrangement (IVA)
|A formal arrangement between a debtor and their creditors
|Where an application is processed in the name of a private individual/s rather than in the name of a company.
|Interest Only
|A mortgage payment method where no capital is being repaid to the mortgage provider as you are only making monthly payments to cover the mortgage interest.
|Interest Rate
|The charge levied by mortgage providers in exchange for them lending money.
|Joint Mortgage
|A mortgage where there is more than one named individual responsible for the contract.
|Land Purchase
|This is a mortgage available for the purchase of land rather than property.
|A purchase where the property is bought by an individual from a developer, and the property is then leased back to the developer for a guaranteed rent over a specified period.
|Where the land that the property is built on is owned by separate freeholder and not the property owner. This normally requires the property owner pays ground rent to the freeholder.
|See Mortgage Provider
|Life Insurance
|Insurance which pays out on the death of the policy holder. This is a compulsory requirement with some mortgage providers.
|Like for Like
|A remortgage arranged on a the same loan amount as the existing mortgage. Normally used by borrowers looking for a better rate of interest.
|Loan to Value (LTV)
|This is the amount of mortgage expressed as a percentage of the total value of the property.
|Local Authority Search
|A search of the local area to highlight anything that may impact on the property or surrounding area, e.g. planned road building, planning permissions etc
|Local Companies
|A company set in the same country as the property, so to provide ownership rights.
|London Inter Bank Offered Rate (LIBOR)
|A base rate of exchange that banks traditionally use to lend money to each other. LIBOR applies not only to the Pound Sterling, but also to major currencies such as the US Dollar, Swiss Franc, Japanese Yen and Canadian Dollar.
|The additional rate of interest charged by a mortgage provider over and above the base rate.
|Maximum Loan
|The maximum amount of money the mortgage provider is prepared to lend.
|Maximum Term
|The maximum period the mortgage can be taken for.
|Minimum Loan
|The minimum amount of money the mortgage provider is prepared to advance.
|Monthly Interest
|A mortgage where the interest is calculated on a monthly basis.
|A loan which is secured against land or property.
|Mortgage Adviser
|A Mortgage Adviser helps you understand the various mortgage types and deals available to you. A Mortgage Adviser may recommend a mortgage to you or they may provide you with information to enable you to make your own choice.
|Mortgage Broker
|See Mortgage Adviser
|Mortgage Deed
|A legal document relating to the mortgage providers interest in the property.
|Mortgage Fees
|A general description of all fees charged by a mortgage provider.
|Mortgage Indemnity Guarantee (MIG)
|See Higher Lending Charge
|Mortgage Lender
|See Mortgage Provider
|Mortgage Offer
|A formal offer to lend money to the applicants so they can buy or remortgage the property.
|Mortgage Provider
|This is the name of the mortgage company who will provide the mortgage funds to complete the purchase or remortgage. Also known as a Mortgage Lender.
|Mortgage Term
|The length of time over which the mortgage is to be repaid.
|Negative Equity
|Where a mortgage and other loans secured against a property is greater than the actual property value.
|Non-resident nationals
|A person with the same nationality as the country in which they wish to purchase or remortgage, but who doesn't currently live in that country, for example a Polish applicant living in the UK wanting to buy in Poland.
|Open Market Value
|The value of a property based on current market values.
|Additional income earned by an applicant based on extra hours worked.
|Planning Permission
|The permission granted by the local planning authority to change or build new properties.
|Processing Fee
|A fee charged by the lender just to process the application, normally charged upfront.
|Procuration Fee
|A payment received by a Mortgage Adviser from the mortgage provider for introducing business to them.
|Product Overview
|A general description of the mortgage product.
|Purchase Price
|The actual price paid for the property.
|An illustration to show a breakdown of costs for a particular mortgage.
|Redemption Charge
|See Early Repayment Charge
|Reduced Documentation
|Where the lender will consider applicants that do not have all the normal documentation such as proof of income.
|The process of changing your mortgage for a different one, without moving home.
|A property that needs some work.
|Rental Calculation
|A method used by mortgage providers to calculate the amount of rental income required to qualify for a particular mortgage amount.
|Repayment Method
|The method chosen to repay the capital borrowed on the mortgage.
|Repayment Mortgage
|See Capital and Interest
|The Legal process by which a defaulting borrower is relieved of their ownership of a particular property, usually via a forced sale.
|Where a mortgage provider holds back part of the mortgage amount until certain conditions are met.
|Self Build
|Where an applicant wishes to buy a plot of land and build their own property to live in.
|Legal expert handling all documentation for the sale and purchase of a property.
|Stage Payments
|Where a mortgage provider agrees to disclosure mortgage funds at agreed stages, typically used in development properties.
|Subject to Contract
|Words to indicate that an agreement is not yet legally binding.
|See Valuation.
|Residents who live in a property but do not own it.
|Used to describe property ownership. An overseas property must be either freehold or leasehold.
|The record of ownership of a property, the evidence of which is found in the title deeds.
|Total Amount Payable
|The total cost of repaying a mortgage.
|Total Rate
|The total rate payable by the applicant.
|Tracker Mortgage
|A mortgage where the interest rate is linked to a particular base rate plus a lending margin.
|Transfer of Equity
|Adding or removing a party to or from a mortgage.
|An unmortgaged property that is already owned by an applicant.
|A survey carried on a property to determine its general condition and market value.
|Valuation Fee
|A fee charged by a mortgage provider or property valuer so to carry out a property valuation.
Contact us for more information on our Glossary.
Please give us a brief summary of what it is you would like to do and we will come back to you quickly to let you know how we can help. If you want to talk to us immediately, please call 01708 676 111.


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We have been having a blast this summer with the class of 2011, doing some really fun & creative senior pictures. I have to admit, the Lake Michigan Beach Sessions are my favorite! It looks like you went to a tropical paradise! I'll show you a couple of those first, then just a few random favorites so far this summer.
Call 317-796-1945 to schedule your photo shoot for the best senior pictures in Indiana!


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Welcome to Ioana Casapu's world of words…
Ioana Cristina Casapu is a Berlin-based writer and editor who has over a decade of experience
in editorial publications and consumer brands.
Learn more about me.
Her first book is a memoir depicting the way social media
had influenced the Millennial generation.
Learn more about my book.
Your Super Power Will Only Be Your Kryptonite Until You Learn To Master It
It takes kindness and profound self-awareness to break through one's conditioning.
2017: What I Didn't Post On Instagram
Feeling lost in a new city can have many positive outcomes.
I Move To Keep Things Whole
There is truly no other place bearing so much love as airports.
The Age Of The Understatement
In which I experience Millennial ennui.
Getting Friendly With Empathy
I was somehow missing the gene of empathy. So I had to grow one.
What If I Don't Want To Forget The People I Loved?
I still love all the people I've loved, even if I cross the street to avoid them.
My Pubic Hair – A Tell Tale From Goya To Stoya
In which I go bare to find out why people care about hair down there.
31 Facts About Me
25. Deep down I'm a hopeless romantic and a terrible perfectionist.
The Anatomy Of Depression
in which i interview 10 people about the big "D" and how it affects the creative spirit
You Can Fall In Love With Anyone In 4 Minutes
"Fall in love with me in 4 minutes" theory explained in PJ Harvey and Nick Cave's video "Henry Lee"
This Conversation Is Missing Your Voice
"Sometimes I give my phone number and ask people to read (me) a page from the book they are reading. Most of the time they do not accept. Too much intimacy."
If every letter is not a love letter, then what could it possibly be?
My Interview With Daniel Jones Of The New York Times' "Modern Love"
My interview with Daniel Jones, editor of the 'Modern Love' column in the Sunday Styles section of the New York Times since its inception in 2004.
twice a month I send a loving list of recommendations about the art world, the brain & mind and tips on how to challenge your own creativity
To confirm your subscription, please check your email after signing up!
Like what you read? You can become a full-time patron of my writing and empower this world of words to keep on spinning.
You can donate as much as you like – for a cup of coffee, for a custom ART Letter created just for you, or for the publishing of my next book.
You may as well make a one-time only donation.
Your vote of trust helps me focus on my work and deliver outstanding art and writing to more readers who can benefit from this platform.


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23 August 2016 by Alexandra Jones
Sir Win Bischoff speaks about culture within business, how a strong culture enabled him to lead Lloyds through the financial crisis, and explains how, by its very nature, culture is not something that is short term.
Culture is a combination of values and attitudes, and the behaviour they drive, the purpose of the company, and the way that stakeholders are treated – staff, customers, society and so on. It is a broad area which impacts the behaviour of the company and the way that it is seen in the outside world.
That is important because over the last few years, probably arising from the financial crisis, society has questioned the value of companies. That, regrettably, has moved from financial companies and banks, to other organisations too. It is important that the purpose and value of a company is understood and respected because business is a big part of society. It provides jobs, taxation and satisfaction for people.
Management sometimes responds to the pressure from shareholders by making short-term decisions. However, by its very nature, culture is not something that is short term. It is much longer term than a strategy or a business model. You can have a business model and strategy change without, actually, impeding the long-term cultural aspects of a company. That long-term view of a company, embodied in culture, is important nowadays.
There is not necessarily a unanimous view but the strong majority view is that the board as a whole sets the culture and assesses it. The single most important person in embedding culture in a company is the CEO – and obviously, by extension, the management team too. The board has to hold the CEO and the management team to account. It must assess, gauge and be able to ascertain that culture is embedded right throughout the company. So, the management's role is supervisory, whereas the CEO has got to play a more active role.
In the United States, culture is probably more shareholder focused. The board's main objective is as guardian of the shareholders. However, that is beginning to change. Warren Buffett, Jamie Dimon and others have recently come out with a view on that.
They wrote an open letter that was published in the Financial Times, in which they said it is 'essential that our [America's] public companies take a long-term approach to the management and governance of their business (the sort of approach you'd take if you owned 100% of a company).' The very fact that they felt they had to do that probably arose from a greater preponderance of thinking on the boards of US companies about shareholders.
In European companies, the predominance of shareholder return is not as great. For example, in large German companies, employees are essential because of co-determination [i.e. cooperation between management and workers in decision making].
I suppose the UK falls somewhere in the middle of the US and Europe; shareholders are very important, but we consider other things too.
Asia, again, is different because many Asian companies are relatively young and there is still a large family influence in those companies. Therefore, what is good for the family, not individuals, is usually long-term decision making.
First of all, you have got to assess whether the culture is bad, or whether it is the business model or strategy that is bad. The two of them are inextricably linked. There is a view that culture eats strategy for breakfast – I do not believe that for a moment. I think the two of them are equally important.
In banking, people are likely to say that the culture has gone wrong. The business model – intermediating between long-term savings and long-term loans – is probably okay. Culture takes quite a long time to repair. You can of course make a change, and assess whether that is working over a period of six to 12 months, but to really embed it and to be certain that it has changed for the better, it probably takes years, not decades, but years.
It also depends on whether the culture change is being carried out by a person coming in from the outside. Sometimes new CEOs find it easier to embed a new culture than the people inside. I would always advise companies be careful before they change the culture, because the culture is deeply embedded in people who have worked for the company many years – particularly middle management. To change a culture is really rather disconcerting to them too.
Shareholders have big role to play in setting the right culture because they are the owners of the company. They are in a privileged position, with frequent access to management and the board. They should therefore be engaging with the company on culture.
Yet, if their own culture is not long-term orientated, it is going to be difficult for them to tell the companies they invest to think in the long term. The culture of asset managers and asset owners is an important yardstick by which the companies that they invest in can measure themselves. It is important for investors to look at their own performance and what they can help companies with, in terms of engagement and their own evolvement of strategy.
The first thing I had to do is to deal with the reality. The reality was that a very large acquisition had not worked out. It was strategically sound but in terms of timing and size, it was, arguably, a wrong judgment. Anyway, that decision was made and subsequently the government had to intervene and had a 43% shareholding. It is important to not look back but to look forward. But that is difficult when the bank, almost daily, was in the news about all kinds of things that had happened – partly, what had happened in the acquisition was because of the PPI scandal.
Lloyds had, from most outsiders' point of view, a culture of putting customers first. It was not a flashy bank; it did not go into the deeper realms of investment banking, for example. It therefore kept out of the news on the whole. If it was in the news it was because its business model was thought to be very good. So, in cultural terms, many of the things of the past – the Lloyds' model and the way it looked after customers – were very good. So, first of all, we set about re-establishing that.
Secondly, to re-establish a culture of confidence and forward thinking, we ultimately had to have results which were satisfactory to the shareholders – and that we had to work on. It was important to give people inside the message that they had done well in the past and could continue to do so. We then had to tell outsiders to let us get on with it to improve the financial performance.
I do not know whether it has got all that much better. Trust is a very, very high hurdle. My view is that there are a number of milestones on the way to trust. One is, for the public at large to understand the purpose and value of business. And secondly, to translate that into respect for what business does, rather than thinking that business is only there to make money for shareholders – it is broader than that. Once you get that, you get trust.
There are a number of staging posts, and we are currently somewhere between the understanding and the respect, but not yet at the trust level. That may be partly to do with globalisation and that people do not understand what, actually, business does and the contribution that it makes to society. Business has probably not been very good at explaining it.
Career Ready provides internships for young people in the last two years of their school life. It is important to show them what business does, but also to raise their aspirations. Initially these people come in, after being recommended by their schools, to see whether they can get an internship; and most of them do, but they come from disadvantaged backgrounds. To get them to look you in the eye is practically impossible − they look down at their shoes and they are very uncertain.
The extraordinary thing is: two years later, they are able to look you in the eye; they are able to give a presentation to other young people to tell them about their experience. About 80% also find that they want to go on to university. University is not everything, but it can be quite useful. Even if they did not want to go on to university, they have developed confidence.
The mentoring of potential CEOs at Chairman Mentors International is designed to share experience and to complement their own talent in whatever way they think is appropriate. For example, how to deal with boards and regulators, and how to take into account the needs of the wider stakeholder community, not just the shareholders.
The previous coalition government was keen. There should be much more interaction between government, education and business. For example, in the sciences there is close collaboration between pharmaceutical companies, and with technical companies, such as Rolls Royce, and universities. Those companies need individuals coming out of the universities who are skilled in specific areas. We have not been as good at that outside the technical areas. In California there is interaction between the universities and companies in Silicon Valley – we have to do more of that.
Nobody really knows at the moment. It is a result that surprised many people. I do not think people were ready for it. The country has spoken; we will now have to see what can be negotiated. Business will have to adapt to whatever new circumstances will be developed by government, together with business and the other countries in Europe.
This is a big question. There are parts of corporate governance which really are determined by companies and how their directors behave. Then there is corporate governance, the way that the FRC looks at it, which is on the basis of a code and comply-or-explain – it is not embedded in legislation.
The UK Corporate Governance Code has been enormously successful: it is highly regarded internationally. Even in Europe, the comply-or-explain principle has been adopted.
If you put forward something as a code, then on the basis of comply-or-explain, you can aim much higher than you can with legislation, because you allow companies and their directors to say: I do not comply yet, but I may be able to comply in the future. Or: I did not comply, but these are the reasons why. In legislation, it is much more binary. The flexibility that a code and the comply-or-explain principle give have been very successful.
At the same time, there are certain aspects of corporate governance that need to be improved, such as compensation. Explaining why people are being paid what they are being paid and being much more open about this. Compensation principles should be laid out much more clearly and simply, so they can be readily understood, rather than embedded in 11 pages of the directors' remuneration report.
Visit the ICSA 125 page to find out more about ICSA: The Governance Institute's 125th anniversary and a full list of the interviews and articles exploring the future of governance.


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I am a working jazz guitarist in a bigger city. I work at a recording studio during the day (playing lots of guitar ) and gig 3-4 nights a week. I do pretty well for myself right now and recently with all of my new life developments I decided to buy myself an Es335 studio model (2019) for my 30th birthday. It is an expensive guitar, and I saved up some money and eventually just decided to pull the trigger and buy one First off let me say that this guitar is amazing. It is superior to any guitar I have ever owned in every way. I know for the most part that sound is in the hands not the gear, but I have to say that moving from an epiphone Sheraton I've been playing for 10 years to this is seriously an experience. It feels like a professional instrument. Everything about it, even the smell is superior to any guitar I've owned or played. It freaking love it. (I think owning this guitar actually made me a little better in all fairness. I played a session the other day and played a solo and I think the better fretboard or something helped me because I played some lines that actually surprised me! The neck is so fluid and I can play really nice and smooth! It's amazing! My main reason for posting is to ask this question. Ever since I have been showing up to places with it, I have been experiencing an IMMENSE amount of shade from fellow guitarists and musicians. Almost people mocking me for having a Gibson and saying I should have saved money and bought an epiphone. Even on the various internet searches I've been on there's always these people who are so venomously anti Gibson and say to play Epis. Has anyone else dealt with this kind of crap? And if so what do you say to people ? My reasoning for the purchase really is because I'm a professional, and I need a professional instrument. I played like 80 different guitars (all semi hollows) before I even tried Gibson. But once I did I realized what was up. Gibson is the best! I'm interested to hear any stories or similar situations! Cheers!


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Ingredients32 m servings 321
Original recipe yields 8 servings (8 croissants)
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Directions{{model.addEditText}} Print
- Preheat oven to 375 degrees F (190 degrees C). Line a baking sheet with parchment paper.
- Cut crabmeat into a large bowl using kitchen shears. Add cream cheese, mayonnaise, corn, green onion, and parsley; mix until thoroughly combined.
- Place crescent dough triangles on the baking sheet. Place 1 heaping tablespoon of the crab mixture on the thick end of each triangle. Roll the thin end of the triangle over the crab mixture and stick it to the other side of the dough. Transfer crescents to the baking sheet.
- Bake in the preheated oven until golden brown, 12 to 15 minutes.
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Nutrition Facts
Per Serving: 321 calories; 22.3 22.2 7.8 32 814 Full nutrition


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Your crusty chronicler is an individual who generally does his own thing. Still, when Examiner asked for support for their new "List" format, it was nigh impossible not to be open-minded about it. The good folks at Examiner are usually pretty tolerant of your screwy scribe's scribbles and so it seemed that the polite thing to do was to try to somehow utilize their new favorite format in some way. So, with that spirit of unity and teamwork in mind, your rockin' writer presents this series—"Animal Tracks: Songs About Animals".
In a recent conversation with Sarah Blacker, singer/songwriter for The Blacklisters, Blacker posed the question: "What's your favorite song about a pet?" That was all it took to inspire yet another new series here on ventwing.com. So, without further adieu, here is the most recent sampling of songs about pets, beast ballads, creature cuts and other assort animal audios:
(Please view list to see the songs)
"Spiders And Snakes"
The first song in this thematic edition of the series is "Spiders And Snakes" by Jim Stafford. Stafford is an American comedian and singer-songwriter. He had a few hit songs in the 1970s including this one. "Spiders & Snakes" was released in 1973. It went gold and climbed to number 3 on the charts. It's off his premiere platter Jim Stafford which hit record racks in 1974.
"Wolf Song"
The second submission this time is "Wolf Song" by Omnia. Omnia is a "neoceltic pagan folk" band based in The Netherlands. This song is off of their album Wolf Love which was released in the summer of 2010 on the Pagan Scum Records label. The disc includes a number of different musical genres.
"Bats in the Belfry"
The next number is "Bats in the Belfry" by American indie/roots rock band Dispatch. This one is off their second album Bang Bang from 1997. Live versions of the song are also featured on other albums. Also included on this release is the track "Bats—Acoustic Version" which would also fit in very well here.
"Boris The Spider"
"Boris The Spider" by The Who is another popular choice. This was written by the band's late bassist John Entwistle. It was first included on their 1966 LP titled A Quick One. It was Entwistle's first tune complete with a black comedic theme and noteworthy discordant passages. It was Jimi Hendrix's favorite Who track.
"Night Of The Wolf"
Last but not least is the song "Night Of The Wolf" by Nox Arcana. They are a Goth-industrial band. This cut is from their 2005 CD Transylvania. This is their fourth release and is a tribute to Bram Stoker's Dracula. Each song, including this one, is part of a musical rendition of the classic novel. The track was also used in a special televised edition of the 1922 silent movie Nosferatu.
There you have it, dudes and chicks, a special, timely edition of "Animal Tracks": a list of creature cuts from different decades and genres focused on favorite felines, canines and other domesticated animals from different decades and genres. What are your favorite animal audios? As always, feel free to share!
My name is Phoenix and . . . that's the bottom line.


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K-9 Cop Case #1 The Dreck Report by Erna Mueller Even after a lifetime of putting dangerous criminals behind bars, heartless cop Spencer needs to redeem himself before he may enter heaven. Only the J.R.P. (Jerk Redemption Program) can help him now. He's sent back to earth in the body of his K-9 partner to help a troubled teenager and his dysfunctional family. Spencer also swallowed an important microchip his killers need to execute their evil plan. Can Spencer maul the shins (and other choice … [Read more...] about K-9 Cop Case #1 The Dreck Report by Erna Mueller
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Blogging agent Nathan Bransford (rhymes with "hip") has opened up his blog to answer any and all questions forthcoming from authors or aspiring writers. Nathan's blog is a must-read for anyone looking for representation. And this open thread, where you can ask pretty much anything within reason, is like a short class in how to find and work with an agent. Also be sure and check out Nathan's list of Essentials (on the blog's sidebar) for solid advice on writing query letters, etc.
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- August 22, 2008 at 12:15 pm
Thanks, Jeff!!
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