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Almost half of business energy bills can be attributed to heating and cooling. High efficiency commercial boilers have higher thermal efficiency ratings than standard boilers. Specifically, condensing boilers extract heat from flue gas moisture, making them highly efficient.
HTP's Elite 301 and Elite 399 have turndown ratios of 5:1, which means that they modulate at a lower firing rate, which reduces short cycling, conserves energy, and improves component reliability. It has up to 96% thermal efficiency.
Along with higher thermal efficiency ratings, high efficiency commercial boilers provide a maximum payback on fuel savings. The cost of fuel in some areas has increased almost 40% in just one year. With a high efficiency commercial gas boiler you can save!
High efficiency commercial boilers are smaller in size, which means more usable space in your business.
These energy efficient boilers also protect the environment by reducing greenhouse gas emissions.
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|Part Number:
Last Updated on: Stock ETA Real time Stock Check
This 14-digit desktop calculator combines a stylish Arc design with substantial environmental credentials - making it ideal for eco-conscious organisations and individuals
Stylish and
The 14-digit AS-2400 is designed with both style and practicality in mind. The sleek and curved body not only looks professional, it also fits neatly on a desk or shelf.
Adjustable tilt display
A large, clear and adjustable LCD display panel minimises glare and reflection. For optimum legibility the panel can be tilted to suit any lighting conditions.
Eco-conscious design
Style doesn't come at an environmental cost. The upper and lower cases of the AS-2400 are manufactured from Canon copiers recycled materials and the battery is mercury-free. It's the ideal solution for organisations with a Green Procurement Policy – as well as for all responsible enterprises, educational institutions and environmentally conscious individuals.
Energy efficient
Dual power source- solar and mercury-free battery ensures energy-efficiency and reliable use under different lighting conditions. When the AS-2400 is not in use, an 'auto power-off' function simply switches the calculator off to save energy.
Comprehensive functions
The AS-2400 calculator offers an extensive range of functions. A slide switch provides easy decimal point selection and rounding. The Grand Total memory automatically accumulates totals. Other convenient keys include Mark-up, Reverse and all the regular functions you'd expect from a Canon calculator.

subset: commoncrawl


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Many of you know via Facebook that our move in date was moved up and the boys come to live with us forever tomorrow!!! We are so excited, relieved, and maybe a tiny bit scared. Please continue to pray for us as we navigate our family through this transition.
When Foster Nanny dropped them off this morning Jon had a hard time saying good-bye to her. Today is the first day he realized what is happening. He's been watching all his toys slowly move to our place and this morning Nanny packed all his clothes but one pair of jammies and one outfit for tomorrow. Once Nanny left he settled in fine, but it's hard to watch him struggle.
Our morning was great. The boys listened well and despite a few time-outs they seemed happy and content. Lunch went well. They eat more than I do! As I type this blog they are both having a quiet time – a major coup for me! Jon is watching cartoons in our room and will get up in about a half hour. Nicholas is in his room. He stayed in bed, he let me rock him, and he eventually cried himself to sleep.
After we pick Kate up from school we have just enough time for a snack then we hit the road around 4:30 to return them for their last night with Nanny.
Tonight we have a fun party to look forward too. We are celebrating with friends the arrival of these two precious boys. Afterwards, when we get home and get Kaitlyn to sleep, we'll scramble to get everything ready for the big day.
Keep checking the blog, we'll post pictures after we sign the official paperwork Thursday afternoon and keep you all updated on our family's progress. Thanks for joining us on this journey – it's been quite the adventure!


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Thankfully The Walkers were spared this flu season (with no flu shots!) but that doesn't mean we still can't catch it. The most deadly flu season in a decade may be over here in Texas but the flu is still floating around and people are still getting sick. I give myself a shot every week for my psoriasis, I'm not down for an extra one that I don't believe will help me.
My Beef With The Flu Shot
Anyone else notice that most people who got the flu shot this season actually got the flu? I felt like everyone I spoke to, who got the shot, ended up sick, like wtf?! I, like almost everyone else in America grew up getting the flu shot, because the doctor said to. However I quit getting it a few years ago and don't plan on getting it again. Not to mention the ingredients are pretty sketchy, and some have been linked to cancer. Egg protein, formaldehyde, MSG, antibiotics, and polysorbate 80.
Why The Flu Shot Isn't Working
The CDC (Centers for Disease Control and Prevention) says the vaccine effectiveness can vary and that the vaccine will lessen the rick for 40-60% of people who receive it. Basically you have to match exactly which strand of the flu is in the vaccine. The CDC says, "During years when the flu vaccine is not well matched to circulating influenza viruses, it is possible that no benefit from flu vaccination may be observed." And, "flu vaccines provide better protection against influenza B or influenza A (H1N1) viruses than against influenza A (H3N2) viruses."
How To Safely Protect Yourself
SUPPLEMENTS SUPPLEMENTS SUPPLEMENTS! We are big supplement takers here in the Walker house! No matter how healthy we eat, there is no way we can get everything we need to keep our immune systems up and healthy during this crazy flu season. Just make sure you are getting a high quality supplement and not ones filled with synthetic ingredients.
Immune Booting Supplements
Multivitamin – I love Pure Encapsulations because I know I can trust the ingredients. All of their supplements are hypoallergenic, and free of wheat, gluten, egg, peanuts, magnesium stearate, hydrogenated fat, artificial sweeteners and colors, and other unnecessary excipients.
Probiotics – are live bacteria and yeasts that are good for your health, especially your digestive system. We usually think of these as germs that cause diseases. But your body is full of bacteria, both good and bad. Probiotics are often called "good" or "helpful" bacteria because they help keep your gut healthy.
Elderberry, Vitamin c, and Zinc –
This gummy is a trifecta, with Elderberry, Vitamin C and Zinc! All which have proven to help prevent the flu and cold. Zinc is an immune boosting mineral found in oysters, beef, and lamb, and to a lesser degree in pumpkin seeds, cashews, and beans. Health benefits of the elder plant include naturally improving colds, the flu, sinus issues, nerve pain, inflammation, chronic fatigue, allergies, constipation and even cancer. Vitamin C, also known as ascorbic acid, is necessary for the growth, development and repair of all body tissues. It's involved in many body functions, including formation of collagen, absorption of iron, the immune system, wound healing, and the maintenance of cartilage, bones, and teeth.
Neil Med Sinus Rinse – sinus rinsing won't eliminate colds or sinusitis infections, medical research indicates that it will reduce their frequency, duration and intensity of symptoms. (Safe for kiddos too! My little one does a rinse about 4-5 times a week! )
Prevention Is Key
In addition to the immune boosting supplements, there are many ways to prevent the flu. Like regularly washing your hands, sanitizing your school, or work space, getting a good nights sleep, staying hydrated, eating a healthy diet and exercising regularly.
What To Do If You Catch The Flu
Umcka – also known as Umckaloabo is an herbal extract that has been shown to work against colds, flu, sinusitis, tonsillitis and antibiotic-resistant ear infections. It has shown both antiviral and antibiotic properties in killing both viruses and bacterial infections.
Echinacea – acts as an anti-inflammatory, which can help reduce bronchial symptoms of cold and flu. Echinacea can help your body fight off infections, but it is best to take it at the first sign of illness. You can take this as a preventative as well as a remedy.
Ginger Tea w/ Honey & Turmeric – This herbal concoction will further help fight the infection and reduce inflammation, providing relief from a sore throat.
Sleep Sleep Sleep – Sleeping lets your body direct nearly all its resources to your immune system—both in trying to avoid an infection and in healing if you do develop one.
Stay Hydrated – Adequate hydration is the key to flushing out the virus from your system. Fluid helps your body to flush bacteria and viruses from your system. Drink approximately half your body weight in ounces daily of water.
What About The Kiddos?
All of these preventive actions and remedies are safe for kids, in lower doses. I give my little one all of the following supplements and we've had a flu-free season!
Easily shop all these flu fighting products by clicking the photo!
This post contains affiliate links that help support the blog, all opinions are my own.


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The Continental Infantry kit contains enough hard plastic parts to build 30 Infantry with a variety of equipment, uniforms and poses. The box contains 2 infantry sprues and a command sprue which contains parts for a sergeat, color bearer and a musician. In addition to this you also receive 30 25mm square bases.
The kit allows you create several different unit types including Line Infantry and Light Infantry. These two main variations come in the form of two main types of uniform; a long tailed coat for the Line Infantry and a shorter coat for the Light Infantry. To accompany these are a variety of different heads and headgear including cocked hats, round hats and the crested caps of George Washington's Life Guard. There are a selection of different weapon poses to choose from allowing you create soldiers who are at ease, reloading or taking aim. Finally there are also a number of sabers and other equipment which can be added to the miniatures for further customization.
Wargames Factory has once again excelled itself in ensuring that the fine details have not been overlooked. The sculpting of the fabric is also wonderful and represents the folds and creases of real fabric fantastically.
As with the Colonial Militia, the miniatures consisted of 4 parts, a torso and legs, a right arm (which usually featured a rifle), a left arm and the head.
The lettering on the sprue combined with a detailed instruction sheet made assembling the miniatures extremely easy. The sheet not only featured the aforementioned sprue lettering but also color coded parts to indicate which work with which.
I had very few mold lines to remove from the parts meaning time wasn't spent laboring away and prepping the miniatures. The hard plastic also made for a much easier assembly as it was easier to cut and plastic glue could be used.
MiniaturesThe Colonial Militia are in 1/56th scale which puts them in the standard 28mm range of wargaming miniatures. They are slightly taller than other 28mm wargaming miniatures but this is probably due to their more realistic proportioning as opposed to the larger hands and heads of heroic scale miniatures.
Wargames Factory has once again excelled itself in ensuring that the fine details have not been overlooked. The sculpting of the fabric is also wonderful and represents the folds and creases of real fabric fantastically.
Wargames Factory American War of Independence range continues to impress me with some excellent sculpts great and attention to detail. What is also great about the kit is that for $24.95 for 30 miniatures is wonderful value for money.
Overall, the Continental Infantry is a great option for anyone looking to pick up some fantastic looking American War of Independence miniatures for a good price. A full unit painted up in the colors of George Washington's forces would look great as either a display piece or on the battlefield. If you are interested in picking up your own set then head over to the Wargames Factory Webstore. Be sure to check back again next Monday for a look at a another set from the same range, the British Infantry.


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You've probably heard of heartworms, but did you know that heartworms really are worms that live in your dog's heart? That's right, dogs with heartworm disease can have worms up to a foot long living in their lungs and heart.
Photo courtesy of Dr. Joe Hostetler
You're probably not surprised that this can cause some serious, life-threatening health problems. Fortunately, there are ways to prevent heartworms in dogs. The first step is understanding how infection happens.
How do dogs get heartworms?
When a mosquito bites and feeds on a heartworm-positive dog, it inadvertently ingests baby heartworms, called microfilariae, circulating in the bloodstream. Once the babies are in the mosquito, they grow and develop into larvae. When that mosquito bites another dog, it can pass on these infective larvae. Once a dog is infected, these tiny larvae grow and develop into adult heartworms that live in your dog's lungs and heart, leading to severe consequences and even death if not treated.
Signs of heartworm disease
Even though adult heartworms can cause some big problems, your dog might not show symptoms or illness right away. Eventually you may notice these symptoms of heartworm disease in your dog: fatigue, loss of body condition, a persistent cough and difficulty breathing. As time passes, cardiopulmonary disease, heart failure and kidney disease are possible.
Testing and treatment
To help avoid illness, the American Heartworm Society (AHS) recommends that all dogs are treated with heartworm prevention and that puppies are started on prevention as early as possible and no later than 8 weeks of age. The AHS also recommends all dogs and puppies, even those currently on heartworm prevention, are tested for infection once a year.
Your veterinarian will test a blood sample for the presence of heartworms. Heartworm disease is a serious and progressive illness, and the earlier it's detected and treated, the better chance dogs have of surviving and limiting permanent damage to their lungs and heart. If your dog tests positive, treatment is expensive and can come with risk. However, treatment will be necessary to save your dog's life.
What's the key? Prevention
Prevention is the best medicine. Thankfully, there are safe and effective ways to prevent heartworm disease. Ask your veterinarian how to get a prescription for your dog.
Related articles:
Symptoms of Heartworms in Dogs
Mosquito Diseases in Dogs
Flea, Tick & Mosquito Seasonality & Geography
Heartworms in Cats


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370 Burgess Road W, Pensacola 32503 (Pending)
Listing Information
|Property Type: Commercial Sale
|Year Built:
|Not available
|Square Feet:
|Not available
|Not available
|Not available
|HOA Fees:
|Not available
|Lot Size:
|1.19 acres
|Lot Dimensions:
|165 x 313
Subdivision: Not available
2,400 SF Office/Warehouse building on 1.19 AC with room to expand building or parking on unused land to the rear of property. 1,320 SF Office and 1,080 SF Warehouse space with 12` eave height and (2) on grade 16` x 10` roll up doors. Building has water recycling system and all lighting is LED.
FeaturesNot available
Commercial Features
|Industrial Property Type: Warehouse
Request More Information
Here you can request more information about this listing or schedule a showing. Simply fill out this short form with your name, email address, and phone number (optional), as well as your question, and a response will be returned to you shortly.
Items marked with a red star (*) are required.
Map This Property
This listing provided courtesy of NAI Pensacola.
This information was last updated on 5/30/2020 12:50:21 AM.
All information in this listing is approximate. Buyers are expected to verify any specific information prior to signing any contract. Neither Brandon Jordan, ERA American Real Estate, ECAR, nor any other Realtor is liable for any inaccuracies herein.
All listings are provided courtesy of the Emerald Coast Association of Realtors, copyright 2020. All rights reserved.


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The APPG Online and Home Electrical Safety
Electrical Safety First provides the secretariat for the APPG Online and Home Electrical Safety. The group announced a call for evidence concerning Product Recall and electrical product safety in the UK, with the closing date for submissions at the end of February.
Opinions were canvassed from stakeholders across the industry in order to help to provide solutions to several major issues affecting electrical product safety in the UK. These are to be presented to the Department for Business, Innovation and Industrial Strategy (BEIS) to assist in resolving these issues.
The call for evidence asked four key questions, relating to product recall, general electrical product safety, the effect of Brexit and the insulated backing of fridge freezers.
The report, Electrical Products - Setting a Course for Safety, has now been published and can be downloaded by clicking on the link to the side of this page.
The terms of reference for the call for evidence are also available.


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Current Articles
Hawaii wants to leave Canadians in the cold
State targets off-island rental property investors in grab for cash; new law would ignore digital age and turn back clock on free trade deal
by Adam J. Leamy, Vancouver Sun April 2, 2012 (excerpt)
…The Hawaii state legislature has taken dead aim at NAFTA and the provisions it requires of the state, and the protections it affords Canadians who make cross-border investments in vacation rental properties….
Four bills are advancing through the Hawaii legislature that target off-island, i.e., Canadian, owners of vacation rental properties. Senate bills (SB2078, SB2089) and House bills (HB1706, HB1707) require off-island owners of vacation rental properties to turn over the management of their rental property to some form of on-island licensed real estate broker or salesperson, managing agent, rental agent, or condominium hotel operator. Curiously, local, on-island owners of vacation rental properties are exempted from the bills and their provisions.
Legislators say the measures ensure tax compliance, but the only evidence of non-compliance is anecdotal, and provided by the above-noted licensed real estate brokers or salespersons, managing agents, rental agents, or condominium hotel operators. The state has no data to suggest this is the case, and in a classic case of "legislate first, get facts later," says it will under-take to find out.
Legislators say the measures enhance consumer protection, but the only evidence on that front is again anecdotal, and again courtesy of the same group of usual suspects who stand to gain when the state grants them a monopoly to rent out all privately owned vacation condos.
And what a monopoly it will be. Testimony on these bills has revealed that the commissions Hawaii property management firms charge to proper-ties under their "care" can be 30, 40, and 50 per cent, with all manner of hidden costs and property abuses. It's hard to see how those commissions will decline, or how quality and service will increase once a state-legislated monopoly is in place.
An exemption has been proposed for "non-residents," i.e., Canadian cross-border investors, but it has been so error-ridden, it beggars belief that it's intended to be effective, or survive. Moreover, it would only be accessible to Canadian investors if they subscribed to some additional process that the state has yet to identify.
But such an exemption, for Canadians, is a non-starter anyway. The North American Free Trade Agreement (NAFTA) did away with all this, through the "national treatment" protection to cross-border investors. As NAFTA specifies, under Article 1102, "Each Party shall accord to investors of another Party treatment no less favourable than that it accords, in like circumstances, to its own investors, and investments of its own investors, with respect to the establishment, acquisition, expansion, management, conduct, operation, and sale or other disposition of investments."
NAFTA goes even further: "The treatment accorded by a Party means, with respect to a state or province, treatment no less favourable than the most favourable treatment accorded, in like circumstances, by that state or province to investors, and to investments of investors, of the Party of which it forms a part."…
read … Hawaii wants to leave Canadians in the cold
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Irish Language Jigsaw Puzzles
We now have a wonderful range of Jigsaw puzzles in Irish to help little ones learning their first words as Gaeilge! There are 5 Jigsaws in this growing range: A Counties Map of Ireland in Irish, A simple farm animal set and an Irish version of our wonderful Season Jigsaw puzzle. As of September 2018, we have just launched 2 new Jigsaws in Irish, an Irish country scene and a beautiful rainbow puzzle


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Spice up your life with admirable arabesque pattern. Paradisiac plants and bijou butterflies. Carry your new tote bag wherever you go.
LOQI is thrilled to announce its first evercollaboration with the iconic Musée des Arts Décoratifs.Musée des Arts Décoratifs is a museum of the decorative arts and design located in the world-famous The Louvre in Paris and covers the whole sweep of the French history and the phenomenal French 'Art of Living'.
JACQUEMART ET BÉNARD MANUFACTURE Arabesque, 1794 © MAD Museum of Decorative Arts, Paris.
We thought you'd never ask!
I weigh 55 g (1.94 oz)
I can carry 20 kg (44 lbs)
My size 50 x 42 cm (19.7" x 16.5")
My zip pocket 11 x 11.5 cm (4.3" x 4.5")
My handle 27 cm (10.6")
I'm water resistant
I'm made of polyester
I'm STANDARD 100 by OEKO-TEX® certified
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World Polio Day, this Sunday, may not seem significant to many Americans. It has been more than half-a-century since the terrifying summers when kids in this country could not go to swimming pools, movie theaters or birthday parties without their parents fearing they would contract this crippling and sometimes fatal disease.
Oct. 24 marks the birth of Jonas Salk, who was the leader of the team that invented a polio vaccine in 1955. In 1988, Albert Sabin developed an oral polio vaccine.
Polio, which can cause lifelong paralysis, can be prevented with a vaccine that costs only sixty cents. In the 1980s, polio paralyzed at least 1,000 children every day all over the world, but today, after international efforts to immunize every child everywhere, 5 million people are walking who would otherwise be paralyzed and the world is almost polio-free.
The success is the result of an improved vaccine and the intense efforts over the past several years by the Global Polio Eradication Partnership, a partnership that includes Rotary International, the UN Foundation, the Bill and Melinda Gates Foundation, UNICEF, the U.S. Centers for Disease Control and Prevention and WHO. Since the Initiative`s inception in 1988, the number of polio cases has dropped by 99 percent. Since the beginning of Rotary`s PolioPlus campaign, more than two billion children have received the oral polio vaccine. Incidents of polio have dropped from 350,000 a year to fewer than 2,000, and the number of polio-endemic countries has dropped from 125 in 1985 to only 4 today — India, Pakistan, Afghanistan and Nigeria.
After 20 years of hard work, Rotary and its partners are on the brink of eradicating polio, but a strong push is needed now to root it out once and for all. Although tremendous progress has been made, the world is not yet polio-free. The poliovirus knows no borders; it can spread from an endemic country into polio-free areas. As long as one case of polio remains in the world, no child is safe from this deadly disease.
The greatest challenge in the battle against polio today is financial. Despite the enormous resources already committed, more money is urgently needed to reach the children in the four remaining polio-endemic countries.
Rotary`s $200 Million Challenge is the Rotary Foundation`s response to the two grants totaling $355 million from the Bill and Melinda Gates Foundation to help eradicate polio. Every dollar given to PolioPlus will be counted toward the $200-million match, which must be completed by June 30, 2012.
The resulting $555 million will directly support immunization campaigns in developing countries, where polio continues to infect and paralyze children, robbing them of their futures and compounding the hardships faced by their families.
This is an unprecedented opportunity to finish the job and eradicate polio. Eradication of polio means that no child ever again will be paralyzed by or die from the wild poliovirus.
Polio survivor Ramesh Ferris to speak
Estes Park`s three Rotary Clubs invite you to hear polio survivor Ramesh Ferris speak on World Polio Day, Sunday, Oct. 24, at 7 p.m. at the Estes Park High School auditorium. There is no admission charge, but free-will donations will be collected and sent to the Rotary International Foundation to support the eradication of polio.
Ferris was born in India in 1979. He contracted polio at six months of age and his legs were left paralyzed. His mother had no access to the rehabilitative supports he needed to live a healthy life, so she placed him in the care of a Canadian-founded orphanage, Families for Children. Shortly thereafter Ron Ferris, Anglican Bishop of Yukon, and his wife, Jan, began the lengthy process of adopting Ferris into their Canadian family.
With the help and support of his new family, Ferris learned to walk with crutches for the first time at age four.
He can walk with the assistance of braces and crutches; however, his legs are not strong enough to propel a conventional bicycle. Instead, he rides using a hand cycle, which relies upon his powerful upper body strength.
He visited India in 2002 and witnessed the devastating reality for polio victims who do not have rehabilitative support. Upon his return to Canada, Ferris vowed to help. Cycle to Walk was born.
His story and his dedication to the eradication of polio is an inspiration to all who hear it.


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Using scientific methods to evaluate trade-offs of hydraulic fracturing
In Colorado, drilling for oil and natural gas using hydraulic fracturing, sometimes referred to as fracking, is big business. But, questions about its impact on the air and water are far from settled.
With support from the National Science Foundation (NSF), University of Colorado environmental engineer Joseph Ryan heads a team gathering data on the pros and cons of oil and natural gas development, including the use of hydraulic fracturing. The broad research goals of the team include exploring potential impacts on water and air quality, human health and energy sustainability. For example, the researchers are investigating how long hydraulic fracturing chemicals persist should the chemicals make their way into the groundwater. And, team members are working with local residents to gather air quality data on carbon dioxide, carbon monoxide, volatile organic compounds, ozone and nitrogen dioxide.
A mobile laboratory is used to record levels of methane gas, a greenhouse gas that can come from a variety of sources including oil and natural gas extraction. The team is also looking at the benefits of oil and natural gas development so regulators, policymakers and the general public can see the complete picture before forming opinions or making decisions. The outreach and education components of the research will focus on citizen science, public involvement, and awareness of the science and policy issues.
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I like the little stuff in the Scriptures. Sure, I like the sweeping theological statements, the deep teaching like we find in Romans and Ephesians. I like to go to the deep end and dive in (metaphorically as I can't really swim). But often I find pretty profound stuff in the verses that seem almost to be written in passing and often those can be found right before well known verses. This morning we were looking at the Beatitudes but right before you get into the "Blessed are..." passages, Matthew sets the stage for us and we usually miss it. He writes:
Seeing the crowds, he went up on the mountain, and when he sat down, his disciples came to him. And he opened his mouth and taught them, saying (Mat 5:1-2)
|It is amusing to see how much art that represents the
Sermon on the Mount depicts Jesus standing up to teach.
I got to thinking about this. What do we expect when we come to Jesus? I don't mean come to Him in faith and thereby receive justification. I am talking about the believer who comes to sit at the feet of our Teacher. When you pray or when you open the Scriptures, what do you expect to happen? Do you expect anything to happen? I find myself too often praying or reading in a perfunctory manner. I ought to pray and I ought to read the Scriptures so here it goes. Let me put a mark in that box on my religious obligation checklist and move on.
What if we came to Jesus in the ways we are taught to, by opening the Scriptures, by the remembrance of the breaking of bread, by prayer, by gathering as the church and really expect Him to do something, something miraculous and wonderful? I can't imagine that the disciples went up to where Jesus was sitting on the mountain and expected to get what we call the Sermon on the Mount, the longest continuous teaching of Jesus in the New Testament, but I bet they expected something to happen. I believe that if the church truly expected something to happen when they read the Bible or gathered together or prayed, amazing things would happen. There is incredible but often untapped power in the ordinary means of grace of the church. I don't mean listening to sermons necessarily or taking a plastic cup of grape juice off of a tray, although those certainly are a means of grace, but I mean anytime that the church, wherever it is, engages with God via the means He has provided and ordained: praying, reading the Scriptures, breaking bread with one another, gathering together in His name.
There is something to be said for being disciplined in the means of grace, reading and praying and gathering even when we sometimes don't feel like it but if we never do those things and expect something other than a perfunctory obligation, we miss the power of coming to Jesus. You can recite a prayer and "go to church" and read the Bible all the way through over and over but if you don't expect to meet Jesus and seek to meet Jesus when you are doing so, why should you expect anything powerful to happen?
God has ordained and provided and preserved the means by which we encounter His Son. He has given us every reason to expect something powerful and miraculous to happen when we do. Believer, come with me and sit at the feet of Jesus and expect He will do something and I guarantee He will provide. If you come to Him, He will teach you. Those who love Jesus, who have a new heart and His Spirit within them have a thirst for God. Come to the One who gives Living Water and you will be satisfied but your thirst will never be quenched. We simply need to come to Jesus looking to learn and He will teach us.


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The Presidential Campaign of 1832
The Presidential Campaign of 1832
An account of the presidential campaign of 1832, it may be well to state, cannot be confined solely to that presidential year, as might perhaps be done with a present day national campaign. Today our sharply differentiated, permanently organized parties have a definite political machinery which functions rapidly and efficiently in designating their candidates and in stating the platforms upon which they will go before the country. Consequently our national campaigns now are limited wholly to the presidential year, one might almost say to the time embraced between April and November of that year. This speed and precision of operation is due largely to our superior means of travel and communication.
Presidential campaigns during the period 1824-1832 were facilitated by no such present-day means as railroads, telegraphs, telephones, good roads and automobiles. Then, the circulation of both individual and information was limited by such speed as could be extracted from equine motive power traveling over roads which often hardly merited the name. This state of affairs the river steamboat did little to improve owing to its limited application. For this, if for no other reason, presidential campaigns were of much longer duration then than now. In addition, it was a period of political change; new parties were developing, party principles were becoming fixed, and new methods of choosing candidates were being tried. All these causes operated to make the presidential campaign of the period an affair of never less than two years' duration. That such was the case is shown by the fact that the campaign of 1824 was well under way before the close of 1822, that of 1828 began as soon as its predecessor closed, and the opening of that of 1832, by no stretch of imagination, can be put later than July 4, 1830, the date Clay's campaign for the presidency was launched.


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The Baby Boomers are moving up. Because there are so many of them, and because interest rates have been so favorable, the so-called "move-up" market has been as hot as a Mississippi August for the past few years. The immediate future looks just as bright. In this column we will examine five things to consider for those moving up.
The first thing to take into account is size of the new house. Most people think that moving up means buying a larger house, but for some it can mean a smaller sized house that is more modern or has more desirable features.
For some it might mean a move to an updated house with the modern conveniences. Be sure you understand measurements when being quoted square footage. A real estate appraiser measures from outside wall to outside wall. If you are measuring from inside wall to inside wall you are going to have a different total square footage. For example, a house that measures 40 feet by 50 feet on the outside would contain 2,000 square feet. But if the exterior walls were 6 inches thick then an inside wall to inside wall measurement would be 39.5 feet by 49.5 feet, or 1,955 square feet.
There have been many disputes over square footage and it usually involves someone taking the disputed amount and multiplying by a price per square foot. Thus, if someone paid $100 per square foot, then 55 square feet becomes suddenly valuable. It should be noted that square footage usually refers to heated and cooled living area, and that other areas are deducted.
The next item for consideration is amenities. Consider this statement, "My father bought his first house 40 years ago for only $20 a square foot, so even taking into account inflation somebody is really getting rich when the same sized house is now $70 a square foot."
What that smart-sounding person has not taken into consideration is that the typical house of today is nothing like the typical house of 40 years ago.
Then, it was not common to have central air-conditioning, a two-car carport, insulated windows, garbage disposal, double sink, two bathrooms, etc. If one were to construct the "typical" house of 1960, and factored in the inflation factor, it would be discovered that it actually costs less to build that house today. I know because I ran such a calculation not long ago.
The reason it costs less, after adjusting for inflation, is that construction techniques have improved and become more efficient. In today's move-up houses there are computer lines, cable television lines, gas logs, two and even three car storage, higher ceilings, more energy efficient features, larger master bedroom/bathroom suites, and home offices, just to name a few.
Even though you might never use a computer, it's probably a good idea to make sure your home is wired for today's electronics.
Another item of importance is location. I advocate buying the neighborhood first and then buying the house. Look for the side of town where real estate values are rising. Even though many move-up buyers are empty-nesters or don't have children, schools are an important consideration. One high-priced subdivision I'm familiar with is split down the middle by two school districts. One school district is highly rated; the other is not. Guess where the families are moving.
Financial considerations are another factor. Think about how long you're going to stay in that new home. If it is only a short time, then I would put down as little as possible. If you plan never move again, then you should consider putting down as much as possible. If you plan to sell in the next few years and you think the value will rise faster than other investment alternatives then having a lot of money tied up in your home makes good sense. Don't forget that your house must appreciate 6%-10% just for you to break even. That's assuming that you will have that amount or more in closing costs when you sell your move-up house.
Even though people talk about the house as an investment, it's much more than that because we spend so much time in our homes. Even if it depreciates and you really enjoyed living there, it was probably a good investment.
Finally, be sure to look ahead to the resale of your move-up house. Don't get too creative with your plans and design or it will have less market appeal. Try to think about what the market is going to want when you sell.
All of this requires a fair amount of research. Without question a Realtor active in the local market is your best source of information about the real estate market in your town. Many people think they can save money by not using a real estate professional. Studies show that is not the case. As far as listing one's home for sale, I have a degree in real estate and I wouldn't try to sell my own house myself.
Good luck as you move on up.
Phil Hardwick's column appears regularly in the Mississippi Business Journal. His e-mail address is email@example.com.
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