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Islamic funds are set to grow in both value and number as fund managers and product producers seek to tap into the emerging sharia-compliant alternative investment market. Finance houses are launching Islamic hedge funds, real estate funds, private equity funds and funds of funds for an increasingly sophisticated consumer base, dominated by GCC investors.
By 2010, the potential annual revenue pool for Islamic asset management will rise to $2bn, from $1.3bn in 2007, according to the 2008 Islamic Funds & Investments Report from analyst Ernst & Young.
Fund managers say the broader range of increasingly sophisticated and innovative Islamic products will encourage a wider take-up among investors, challenging the traditional dominance of equity funds in the Islamic investment sector.
"Islamically-compliant investment funds have gained traction in the past decade as investment businesses such as ours realise that economies of scale and profitability can be achieved in this space," says Irfan Khan, head of global asset management at HSBC Amanah, which provides HSBC with sharia-compliant banking products.
Tax incentives
To date, sharia-compliant investment funds have had a mixed track record, with the majority being targeted at the region's high net worth individuals and larger corporate institutions. In some instances, local investors are choosing to invest in sharia-compliant products for essentially defensive purposes, as a way of getting around paying the Islamic tax known as zakat.
The Islamic fund market remains small, with fewer than 500 sharia-compliant funds in existence in 2007, according to Ernst & Young. But by 2010, the analyst predicts the market will almost double in size to 950 funds, with 160 being launched each year.
In response to these growth predictions, regional authorities are forming alliances with Western fund managers, and it is these relationships that are driving the development of a fresh range of products.
One of the biggest of these alliances was launched in June when Barclays Capital teamed up with the Dubai Multi Commodities Centre Authority (DMCC) to launch five sharia-compliant hedge funds on the Al-Safi Trust alternative investment platform.
The Al-Safi platform was created to trade specifically in Islamic products in the alternative investment market, on the premise that it vets all investments for compliance with sharia rules. DMCC invested $50m in the five companies managing the Dubai-based sharia-compliant hedge funds.
Demand for alternative investments is growing, says Barclays Capital, which is developing products to open up the market. "If you look at sharia-compliant financial instruments, you find sukuk [Islamic bonds], long-only equity exposures, some real estate applications and a few private equity funds, but that is pretty much it," says Frank Gerhard, head of fund-linked derivatives strategy at Barclays Capital. "What you do not see is a solution that provides a diversified, easy-to-tap-into source of alternative investment."
The first sharia-compliant hedge fund was launched in early 2007 by international brokerage NewEdge, with seed investment by Saudi Arabia's NCB Capital. The asset class is growing. Earlier this year, London-based fund manager Emiri Capital launched the Emiri Equity Alternative Strategies Fund, a sharia-compliant, global equity long-short fund of funds. Deutsche Bank and Bank Al-jazira are also preparing to launch Islamic derivative products.
Hedge funds
The structure of an Islamic hedge fund is not the same as its Western counterpart. Where Al-Safi invests in US equities, an additional layer of screening is undertaken to ensure investments meet sharia criteria. "Out of these individual funds you can put a fund of funds together, but really it goes beyond that," says Gerhard. "It is a trading environment that appeals to blue-chip managers such as Black Rock and Ospraie, which are multi-billion-dollar outfits."
Islamic hedge funds are still controversial in the Middle East, given Islam's strictures against selling anything that is not owned. Fund managers are therefore being creative. London-based sharia adviser BMB Islamic claims to have a mechanism that allows sharia-compliant investors to participate in conventional hedge funds in the region. Under the mechanism, a separate sharia-compliant fund trades commodities and tracks an index of the conventional fund.
It is still early days, however, and Islamic hedge funds may struggle to match the success of more established sharia-compliant investment products. For example, there are 120 Islamic mutual funds in Saudi Arabia, accounting for 55 per cent of the total assets under management in the kingdom.
"Equity mutual funds dominate the Islamic investment space as investment in equities or equity mutual funds best fits the Islamic financial model of getting compensated for sharing the risks of a business," says Khan.
Sector-specific Islamic funds, such as real estate, retain a strong appeal among regional investors. HSBC Amanah's Global Properties Income Fund is the largest Islamic real estate fund. First launched in 2002, it has now raised $667m in investor equity, owning 83 properties, with a market value of $1.76bn.
Real estate will remain an active investment sector, as it helps diversify portfolios away form the energy sector. In August, Kuwait's Global Investment House (GIH) launched the Global GCC Real Estate Fund II, a $500m sharia-compliant real estate fund.
Private equity funds are also increasingly important in Islamic investor portfolios. In June, GIH launched the $500m Islamic Buyout Fund, which is designed to give investors access to the asset class across the region.
Conventional funds
The Islamic Buyout Fund is an attempt at imitating a conventional fund. "These kinds of funds will emulate a conventional fund but use a filter to remove investments that do not meet sharia standards," says Mark Stanley, assistant manager of Ernst & Young's Islamic Financial Services Group. "The result is a private equity fund that complies with sharia principles and benefits from the expertise of a conventional fund manager. It reflects a growing realisation that liquidity in this region is sharia sensitive."
Mainstream funds of funds are unlikely to face the obstacles encountered by, for example, Islamic hedge funds. Saudi Arabia's Jadwa Investment launched three funds of funds in March, giving investors greater diversification of asset classes, markets, risks and managers. Fund of funds' assets can be spread into equities, real estate, private equity, sukuk (Islamic bond) and murabaha (Islamic financing), offering a balanced investment.
But such funds do face challenges, notably bringing in the fixed-income element of conventional products. "It can be hard to place fixed-income funds largely due to the inflationary environment in the Gulf," says Stanley. "With high inflation in many countries, it is difficult to offer products that target 5 or 6 per cent returns."
HSBC Amanah's Khan says difficulties in structuring economically viable and truly sharia-compliant fixed-income-oriented mutual funds has resulted in the Islamic investment market developing in a vastly different way to that in the US, where bond and equity funds follow the asset allocation model of a typical investor, in the range of 60/40 or 70/30.
Innovation is important for Islamic fund managers, but the simpler ideas are often more attractive for investors. Some features of conventional alternative investments, such as risk-adjusted returns, pose problems for Islamic product producers.
"We like to avoid such product innovation," says Khan. "Our focus is achievement of the investment objectives of our investors, not product innovation."
Other alternative investments include exchange-traded funds (ETFs), which are effectively shares that collectively behave as a fund.
Barclays Global Investors launched three Islamic ETFs in December last year, which are listed on the London Stock Exchange. It will be seeking to launch additional Islamic ETFs over the next 12 months. The key advantages of ETFs are the low costs and the ease of trade, making them more appealing to the retail market.
According to Khan, investors from the Gulf act as the anchor for Islamic funds, which can then be offered elsewhere, where economies of scale are not achievable independently.
In recognition of this, Gulf institutions are launching products with a wider geographic reach. The Bahrain-based Family Office as launched a fund trading on London's Alternative Investment Market to serve Islamic clients in the Middle East who want to invest in a broad mix of strategies, providing investors with exposure to a variety of sharia-compliant investments largely outside the GCC.
Investment strategies
New Islamic funds are likely to remain focused on equities, despite the clamour for new asset classes. "There is some demand for esoteric strategies such as hedge funds and private equity funds among high net worth individuals, as these investors are generally more sophisticated than the average investor and have knowledge or investment exposure to these strategies in the traditional space," says Khan. "However, this demand has not trickled down to the retail space, where the level of understanding and appreciation of these strategies is not very deep."
The development of new products will be slow but steady. "We have seen a lot of insular investment strategies: individual fund managers pioneering solutions under their own efforts and then investors on the buy side invest into that solution," says Gerhard. "Going forward, we will see more platform solutions such as Al-Safi, where the set-up is taken over by an investment bank and the investor only needs to vet the platform once."
Key fact:
$2bn - Predicted annual revenue pool for Islamic asset management by 2010
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Military families in Virginia's Hampton Roads region, which make up one of the largest active duty and retired military populations in the U.S., have been living with with improper dental care plans as many healthcare providers have stopped accepting them as patients. Since last year, those with TRICARE dental plans, which are currently administered by United Concordia, have come forward to say that the situation is forcing many military families to seek out-of-network care solutions.
Policyholders say that the fees collected through the TRICARE plan have been lowered in recent years. Providers claim that the historically-low reimbursement rates are not sustainable for them. In fact, in many cases the fees do not even pay for the overhead costs required to perform even the most standard dental procedures.
Following the news of the situation, area Congressman Scott Taylor (VA-2) has called for a congressional investigation into TRICARE, requesting through a letter to the Chairwoman of the House Armed Services Subcommittee on Oversight and Investigations Vicky Hartzler (MO-4) and ranking member Jackie Speier (CA-14).
"Our office has heard from dozens of service members, their families, and dental providers over our time in office. Clearly, the new TRICARE contract's reimbursement rates are not sustainable for providers, thus forcing them to withdraw from the network and creating an unacceptable burden on our military families," said Congressman Taylor in a news release.
The former Navy seal and Iraq combat veteran has called for the investigation to determine whether the current TRICARE dental plan is "meeting its commitment of providing a robust network of qualified dental care providers that addresses the dental care needs of active duty military families" in Hampton Roads and throughout the surrounding area.
On his Facebook page, Taylor said, "I've heard from too many service members, their families, and dental providers…I have called for a congressional investigation into the new Tricare contract. Something has to change."

subset: commoncrawl


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Nursing and midwifery students step up to join virus fight
Get a digital copy of the Northern Scot delivered straight to your inbox every week
THOUSANDS of final-year nursing and midwifery students have joined the NHS early to help treat coronavirus patients.
More than 2,000 students will take on NHS Scotland frontline roles early, ahead of formally joining the workforce at the end of August.
So far around 12,000 students and returners from health and social care have come forward to offer their skills and expertise during the pandemic.
First Minister Nicola Sturgeon said: "We are asking a lot of nursing and midwifery students to step up at this unprecedented time when they have already experienced significant disruption as they come to the end of their courses. Their skills and experience will be vital in the coming months as we work to save as many lives as possible.
"Our response to the COVID-19 outbreak is going to require a huge effort across all areas of health and social care. It is still possible for others to offer their support, and if they are willing and able I would encourage them to do so.
"The commitment and enthusiasm of these volunteers, as with all of our NHS workers, deserves recognition and the gratitude of every one of us in Scotland."
Chief nursing officer Fiona McQueen said: "I want to thank each and every student who has volunteered their support so far. The response we have received shows the incredible spirit of our future NHS workforce – your dedication is truly inspirational."


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Salvini Erupts At Richard Gere: "Why Don't You Take Italy's Migrants To Hollywood On Your Jet" | Zero Hedge: Italian Prime Minister Matteo Salvini hit back at Richard Gere, suggesting that the actor fly 160 migrants stranded off the Italian coast back to Hollywood on his "private jet."
Gere, appearing at a press conference for NGO Open Arms on the Italian island of Lampedusa, implored Italy to allow the ship to dock - a request Salvini has staunchly refused for weeks, according to Bloomberg.
See original work for more on this and other stories.


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Peter Lane York United Kingdom YO1 8SW 01904 487127
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text:
Mary Miner, 67, was artist, musician, teacher
Ms. Miner was the head of the arts program at St. David's
School in New York City
. Her end-of- school "hootenannies" were a popular annual social event for generations of students and their families.
Ms. Miner was born July 3, 1941, in New York City to producer-director Worthington "Tony" Miner and actress
Ms. Miner, working with Washington architect
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She was on the board of the Sherman Chamber Ensemble , headed by one of her former students, cellist Eliot T. Bailen.
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She is survived by her brother Peter and his wife Diane; her sister Margaret and her husband Hugh Rawson ; as several nieces and nephews,
The funeral was held March 28 at St. Andrew's Church in Kent.
In lieu of flowers, donations be made to the Washington Art Association, P.O. Box 173, Washington Depot, CT 06794; the Sherman Chamber Ensemble, P.O. Box 578, Sherman, CT 06784; or to St. Andrew's Church, 1 North Main St., Kent, CT 06757.


text:
RSC seeks catering team for its flagship theatre
The Royal Shakespeare Company (RSC) is searching for a team to run the catering operation at its flagship theatre in Stratford-upon-Avon, Warwickshire, which is currently under reconstruction.
The company has made the decision to no longer contract the running of its food and beverage offer out to an existing food service operator but to run it in-house instead. The contract was previously held by French contract caterer Eliance.
The RSC has appointed Chris Barber, managing director of consultancy Leiths Food Solutions, who together with restaurateur and ex Fat Duck general manager Nigel Sutcliffe has been tasked with implementing a culinary team.
The Royal Shakespeare Theatre, which closed for refurbishment in 2007, will reopen in the autumn with a 150-seat restaurant and riverside café, with Barber and Sutcliffe driving the recruitment of key personnel.
Barber, who spent more than a decade as personal chef to Prince Charles, told Caterer he was looking for a "young, dynamic and special team" to run the operation.
"The Royal Shakespeare Theatre is such an incredibly unique venue and the food offer needs to reflect this. We can't offer the same as other places," he said.
"We want to serve good quality, fresh food that caters to the very diverse audience the theatre attracts. We are looking for both a talented chef and a head of catering operations to oversee and drive the business."
The RSC is transforming the venue into a modern-day Shakespeare theatre. The building, designed by architects Bennetts Associates, will include a thrust stage auditorium able to seat more than 1,000 visitors, as well as the expansion and renovation of public areas.
Royal Shakespere Theatre restaurant gets a revamp >>
Chris Barber: My life in hospitality >>
Baguette Barge in Stratford for sale >>
By Kerstin Kühn
E-mail your comments to Kerstin Kühn here.
If you have something to say on this story or anything else join the debate at Table Talk - Caterer's new networking forum. Go to www.caterersearch.com/tabletalk
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Home > Movies, Music and Sitcom > Music > Indian Music > Indi Pop > Desi Kalakaar - Yo Yo Honey Singh > Yaar mera superstar
Desi Kalakaar - Yo Yo Honey Singh
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Administrator, Architect EPFL/SIA
Jean-Baptiste Ferrari was born in 1948 in Lausanne. He studied at the Swiss Federal Institute of Technology in Lausanne where he graduated in 1972 receiving the SIA (Swiss society of engineers and architects) award. During his studies he trained through practical internships with Jean-Marc Lamunière in Geneva, and with Fonso Boschetti in Lausanne. By 1972, for two years, Jean-Baptiste Ferrari taught project workshops at the EPFL in Professor Pierre Foretay's studio, then from 1982 to 1984 in Professor Jean-Marc Lamunière's studio. He founded his architect firm in 1986 in Lausanne. From 1988 to 1990 he was appointed Chairman of the SIA Vaud. Board member of numerous architectural competitions, he is now part of the Chamber of Architects of the canton of Vaud.
Administrator, Architect EPFL/SIA
Architect EPFL/SIA
Sébastien Zwissig was born in 1973 in Sierre, Valais. He studied at the Swiss Federal Institute of Technology of Zürich and Lausanne where he graduated in 1999. He had the opportunity to study in particular with Wolfgang Schett, Luigi Snozzi, Martin Steinmann and Patrick Berger. He joined the Ferrari practice in 2002 after 3 years working with ass architectes in Genève. In 2008 he becomes the first associate within the new structure Jean-Baptiste Ferrari & Associés.
Architect EPFL/SIA
Inês Alecrim – Architect FAUP
Chantal Alemu – Architect EPFL
Torsten Allert – Architect TU-Berlin
Laura Andolina – Executive Assistant
Sofia Ayala – Architect EPFL Intern
David Baillif – Architect EPFL
Laurie Bandiera – Architect EPFL
Sophie Baratay – Architect EPFL
Marine Bersier – Architect EPFL
Rosanne Berthier – Architect EPFL
Christophe Birraux – Architect Technician
Esteban Bofill Negra – Architect ETSAL (ESP)
Michèle Burri – Interior Designer ESDC
Francisco Calvo Arce – Architect HES-SO/BFH
Nicolas Chatelan – Architect EPFL
Pauline Chevrier – Architect HMONP
Davide Cisternino – Architect EPFL/SIA
Valentina Collu – Architect EPFL
Loic Colotti – Architect EPFL
Catia da Silva – Architect EPFL/FCTUC
Léo Dind – Architect EPFL
My-Linh kelly Dinh – Architect EPFL
Noémie Fakan – Architect EPFL
Olaya Farpon – Architect ETSAC (ESP)
Cristina Ferreira – Architect EPFL
Philippe Gaillard – Architect EPFL
Javier García Posilio – Architect ETS AG/Master BIM CICE (ESP)
Isabelle Geisler – Executive Assistant
Leila Gomez Mangana – Architect EPFL
Christophe Grivel – Architect EPFL
Aline Grossrieder – Architect EPFL-ETHZ
Laura Guerreiro – Architect EPFL Intern
Teresa Hernandez Vidales – Architect ETSAC
Hélène Hoyoux – Architect ULG MAS ADD EPFL
Gilles Humbert – Architect EPFL
Sophie Huynh – Architect EPFL
Natalie Khoury – Architect EPFL
Elvira Kossi-Odi – Architect HES-SO
Didier Lambert – Coordinator BIM – Architect EPFL/SIA
Vincent Ledermann – Architect EPFL
Thomas Lepoutre – Architect EPFL
Yvan Mattenberger – Architect EPFL – Certified fire protection specialist AEAI
Emanuel Nogueira – Architect FAUP
Valérie Ovadia – Architect EPFL Intern
Jean-Yves Pascalis – Architect EPFL
Alain Prudente – Works Manager HES-SO
Florence Pulicani – Architect EPFL
Matteo Ricchi – Architect EPFL
Emma Sassi – Architect DE – HMONP
Anne-Michèle Savoy – Architect EPFL
Elodie Serrant – Bachelor Architect EPFL
Matteo Soldati – Architect AAM-Varese
Tina Straubhaar – Architect EPFL
Martina Trobisch – Architect TU-Innsbruck
Fiona Uka – Architect EPFL
Philippe Urfer – BIM manager and draftsman
Fabienne Werren – Architect HES


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"I am now 60 and understand I can't apply for Social Security for another two years. What if my ex or I remarry? I was a stay-at-home mom most of our marriage of 27 years. My benefits will be much smaller than his."
Nj.com recently published an article entitled "I'm divorced. Can I get Social Security from my ex-husband?". The article says you have a number of options for receiving Social Security benefits, based on your ex-husband's earnings records.
This is true, even if he remarries. An ex-spouse can claim benefits on his record, as long as he or she satisfies certain criteria.
The Social Security Administration explains that you can apply for benefits on your former spouse's record, even if he or she hasn't retired, provided you divorced at least two years before applying.
However, if you delay until your full retirement age to apply as a divorced spouse, your benefit will be equal to half of your ex-spouse's full retirement amount or disability benefit.
The same rules apply for a deceased former spouse.
First, the marriage must have lasted 10 years or longer.
You must also be unmarried at the time you claim benefits and be 62 or older.
Another criterion is that the benefit you would receive based on your own employment record must be less than the benefit you'd receive based on your ex-spouse's work record.
Last, your ex must be entitled to Social Security retirement or disability benefits for you to file.
If you qualify, you can receive up to 50% of your ex-spouse's retirement benefit amount.
The amount of benefits you receive doesn't have an impact on the benefits of your ex-spouse and his or her current spouse.
If you're receiving a divorced spouse's benefits, your benefits generally will cease, if you get remarried.
However, you may be able to receive benefits based on your new spouse's work record or your own.
You should speak with the Social Security Administration about your options, since the agency can access your records to discuss your specific situation.
Remember: "An ounce of prevention is worth a pound of cure." When making your estate plans or when probating an estate or administering a trust, do not go it alone. Be sure to engage a Cincinnati estate planning attorney.
For more information about estate planning, probate or trust administration in Cincinnati (and throughout the rest of Southwest Ohio) and to review free resources regarding estate planning, probate or trust administration, visit my website. If you have questions regarding this article or a particular legal matter, feel free to contact me at 513-399-PLAN (7526).
Reference: nj.com (June 30, 2020) "I'm divorced. Can I get Social Security from my ex-husband?"


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Apparently there is a great interest in making sure we DO NOT have any kind of complete restructuring of our current system with the likes of a Convention to introduce new amendments for the purposes previously stated. I feel, however accurate it may or may not be, that our time is running short.
If we do not get the word out and begin to help each other and teach the young what we know, then our system of Constitutional Republicanism, weak though it be right now, will be lost to the ash heap of history along with all the other "Empires" that have come before us. To say it is time to "Stand together or hang apart" would be too trite for the reality that faces us today.
I have stated it for years that the worst scenario that we could imagine would be if Obama could find a way to STAY President/Dictator beyond his limited "service". Now it appears that I was closer to the truth than I wanted to be.
Like Raum Emanuel said. "You never want to waste a good crisis, because it allows you to make changes you would not otherwise be able to accomplish."
Van Jones said from the "bottom up and the top down" is the only way to make "real change".
Obama said, we are on the precipice of a "fundamental change" in America.
The kind of change these people want is the kind that puts them in permanent "Residency" at the top. They DO NOT NEED a Con-Con to do what they want. All they need to do is get us fighting each other at the "bottom" to the point where CHAOS reigns and there is no consensus or viable solution. Then they can swoop in with extra-constitutional remedies under the "Doctrine of Emergency" to make laws from the "top down" similar to "Martial Law".
Some here have said we are free by birth, others have said by consent. We have also said we do not need to amend the Articles at the same time we have said we do not even need the Constitution to be Citizens, because by birth, location or gift from God we are already free.
Unfortunately, as a group, we are in the midst of suffering the "death of a thousand slices". Over time, even the greatest of Empires has fallen when divided into splinter groups. It is the same story, over and over. Corruption at the highest levels of government, oppression of religion and free thought in the general masses, Armies spread too thin around the "Empire"; malfeasance and evil running the "show". This is repeated again and again throughout history and yet it seems that we humans never learn; not even from our most serious mistakes.
We are the proverbial "Dog chasing its own tail" and this is getting us nowhere. It is time to unite. There is no more time left to debate what is coming. OAS will do what they will do. We here at the CC will NOT be able to change that. It is up to us, however to be leaders in our LOCAL COMMUNITIES.
Teach the ignorant, guide the blind, learn to protect and "DECLARE" your INDIVIDUAL Sovereignty and teach others to do the same. As a note let me say that I do not think that we should endeavor to preserve our obviously corrupted system, for preservation's sake alone, but as others have said before me, it is the best thing we've got going right now. Let's not trash it until we know we can accomplish something better.
But most of all, at least here at the CC, we had all better "hang together or we will surely hang apart".
Semper Fidelis and Molon Labe to ALL!
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I think everyone here needs to read the vision that was shown to George Washington. Google it. It is going to be a hard battle, but we will win.
The scriptures say that we are to do our best, and the Lord will make up the difference, just as he did with the Jews in the 6 day war in 1967, when unseen forces ordered the enemy to leave them alone and go away. Their enemies have forgotten that message, so they are due another harder lesson.
As for us, this war is to be a housecleaning party to prepare for the Second Coming. The wicked will be swept off the land to prepare for the Lord to return, and to prepare for the building of the New Jerusalem. Old Jerusalem will be rebuilt, but the New Jerusalem will be here in this country in Jackson County, MO. That is known through modern day revelation. We have also been told that there will be no one in the area left to fight us building it. The wicked shall destroy the wicked, and those who are repentant and obedient shall be preserved, guided out of the area, while it is happening. The missile silos will be attacked and blown up, and all wickedness destroyed. Revelations indicates that it will be a 13 month war, and that 1/3 of all men will be destroyed, and we have been told that the war will primarily be focused here in this country because the UN wants our property rights and gun rights taken away. For those who don't know, the United Nations is a Communist organization. That symbol of the wheat crests is one of their symbols. Progressives is one of their new name, to disguise the bad stigma associated with the name of Communism. Now, they have all the "useful idiots" duped into thinking the UN and various organizations are there, in our best interests.
George Washington's vision indicates that we will win, but it is going to be a long, hard battle. We have been told to have a 2 year provision put away. We will need preparations, not only for the 13 month war, but supplies to get us through, while we are rebuilding. When the war is over, the Russians will be freed of the corruption of their system also. Some will be given farms here, if they want to stay. There will be animosity about that, until our people realize that their society is operating under the same oppression that we are, and they don't like it any better than we like our oppression. A lot of our people will be killed, so there will be room for those who want to stay. A lot will go home. The Chinese will suddenly go home, when their part in the "house cleaning party" is over. This is thought to be because of "Heavenly Intervention", as it was in the 6 day war. Get prepared, be repentant and obedient, and you will most likely get through it.
Be on the look out for the "tent cities" or "Cities of Light". For a reference on them, one may want to read "THERE IS NO DEATH". It was written by Sarah Minet. It can be purchased through ldsavow.com or rogerkyoung.net. She grew up in the Hollywood scene, committed suicide, and was revived by the paramedics. She shares what she was shown while on the other side. She was shown Sept.11 about 2 years before it happened, as well as other upcoming events shortly to come. She was shown what happens to those who commit suicide, obviously, as well as what happens to those who deliberately hurt others. They have to suffer all the pain they have caused others to have to go through, so don't think our enemies are getting off the hook. She talks about the Cities of Light that dot the land during this upcoming war, then later learns about the "Tent Cities" and comes to the conclusion they are one in the same. The only people who will be allowed to live in them will be people such as ourselves, law abiding people who want to live peaceably and lawfully.
If you get Roger K. Young's book "AS A THIEF IN THE NIGHT", he gives an excellent breakdown, presenting documentation that Hitler's Germany is the "wounded beast" that was miraculously healed (by the money from the Rothschild's), and all sorts of other information, well documented, but left the conclusion up to the reader to choose for themselves. He only presents the evidence.
Bottom line: WE WILL WIN.
I agree that it is very important to share the knowledge especially with the young. They have only experienced this implemented misinformation started many years ago. Now with Common Core more of the REAL original government structure is being lost. I promote studying all levels of government, local, state, and federal, so that when they are of voting age they have a good knowledge to make decisions.
I also agree that we must hang together for the good working out the strategies.
The only way to have a just society is to eliminate the top and the bottom. Everyone needs to belong to the same class with the rights, responsibilities and opportunities. Our government's job is to protect the rights of the people not to control them for the benefit of the financial elite/
Using Affidavits as an intellectual weapon to establish my sovereignty as an individual is something that I have read about in the past, but was not quite ready to receive and apply it like I am now. This idea can be brought to people's attention, but a guru is not going to guide people into actually doing this. One has to be "sovereignty material" to receive and apply this information and I am sure that there are members of the CC that fit this bill. One practical application of sovereignty would be to marry or remarry without a state marriage license. A Federal judge just ruled that Michigan's Constitution ban on gay marriage is "unconstitutional". In 2004 I was with the majority that voted to have a constitutional amendment banning gay marriage. At the time I thought that this was the right thing to do, now I think the strategy to counter this is to be married before God without a license.
Steve, you have caught on to what I have been preaching about, ever since a couple years ago, when I found out about it.
Get a marriage cert. on line if you choose. They can be purchased for $2.50 - $10.00 on line. Anybody can marry you, with 2 others to act as witnesses. Then get your corporate divorce, and get the government out of your bedroom!
Now, if you want to be "eternally sealed", there is only one authority to be able to do that, and it is conditional upon your obedience to God's laws. You will have to get a "Temple Recommend", and go to one of the LDS temples. Not many people are willing to make a commitment to that, but it is an option, at your choosing!
Some people have the vocabulary to sum up things in a way that you can quickly understand them. This quote came from the Czech Republic. Someone over there has it figured out. It was translated into English from an article in the Prague newspaper, Prager Zeitungon .
"The danger to America is not Barack Obama, but a citizenry capable of entrusting a man like him with the Presidency. It will be far easier to limit and undo the follies of an Obama presidency than to restore the necessary common sense and good judgment to a depraved electorate willing to have such a man for their president. The problem is much deeper and far more serious than Mr. Obama, who is a mere symptom of what ails America. Blaming the prince of fools should not blind anyone to the vast confederacy of fools that made him their prince. The Republic can survive a Barack Obama, who is, after all, merely a fool. It is less likely to survive a multitude of fools, such as those who made him their President."
I received this comment that makes total sense of what America has become. A bunch of fools voting for a chief fool to lead all the others. This is proof positive of what we have digressed to.
Hear, Hear Marvin,
That is exactly correct and a window into where we are.
I happen to agree with Marvin and whoever over in Chec. land. Keep in mind what he said is not all inclusive of everyone, just the ones who were/are too blind or self serving to act appropriately.
From the bottom up and make them feel it ; starting with every sheriff who refuses to adhere to his oath . Quo warranto all the way and if they violate our rights apply the correct remedy they deserve .
The attached two Documents should be of value in this discussion:
1. One page diagram of two triangles diagram: Bottom Up Top Down Comparison,pdf
2. One page explanation of the two organic systems.
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What gave you the idea we voted him in ?Who really voted him in ?


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- O'Neill, Eugene Gladstone
- (1888-1953)"Born in a hotel room—and God damn it—died in a hotel room!" were reportedly among the Nobel Prize-winning playwright's last words. The son of the renowned actor James O'Neill and Ella Quinlan O'Neill was born in a hotel near today's Times Square in New York, died in a Boston hotel, and spent part of his childhood in hotels on the road with his father. Two sons preceded Eugene: James Jr. and Edmund. The latter's death in infancy haunted Eugene with the guilty feeling that he had usurped the boy's place in the family, and those guilt feelings were compounded when he learned as a teen that his difficult birth had initiated his mother's addiction to morphine. Those concerns surface notably in his autobiographical posthumous play Long Day's Journey into Night. * Indeed, most of his plays were strongly autobiographical.O'Neill was educated at various Catholic boarding schools, but spent summers with the family at their Monte Cristo Cottage in New London, Connecticut. He tended to be a loner who read voraciously, from popular romantic novels to the works of such modernist icons as Henrik Ibsen and George Bernard Shaw. One academic year at Princeton University, 1906-1907, was followed by various jobs and ventures into dissipation in unsavory districts of New York City. His unfortunate first marriage, to Kathleen Jenkins in 1909, impelled him to escape by joining a mining expedition to Honduras, where he caught malaria. His son Eugene O'Neill Jr. was born in May 1910, but O'Neill was already preparing to embark on his next sea voyage, which took him to Buenos Aires for the winter of 1910-1911 and inspired his early plays of seafaring men. Returning to New York in 1911, he was divorced and moved into a waterfront dive called Jimmy-the-Priest's, from which he later conceptualized the setting of Anna Christie (1922). It was there, in 1912, that he attempted suicide.Despite his chronic drinking, O'Neill managed to hold a summer job as a reporter for the New London Telegraph in 1912 while writing poetry on the side. Diagnosed with tuberculosis, he convalesced at Gaylord Farm Sanitarium. Reading the plays of August Strindberg during those months was a formative experience for him, and he wrote his own first one-act play, A Wife for a Life, in 1913. A steady flow of one-acts from his pen confirmed his discovery of a vocation. He enrolled in George Pierce Baker's playwriting class at Harvard University in 1914. He began to socialize with Greenwich Village intellectuals and bohemians in 1915, but it was the summer of 1916 that marked his real beginning as a produced playwright. A group of friends spending the summer in Provincetown, Massachusetts, began performing plays in a fish-house on a wharf, and that was the venue for O'Neill's first produced play, Bound East for Cardiff, on 28 July. The group's endeavors continued in New York as the Prov-incetown Players, and O'Neill's one-acts continued to be produced, with the playwright himself performing in some of them. The one-acts produced during this period include Before Breakfast (1916), In the Zone (1917), The Long Voyage Home (1917), and The Moon of the Caribbees (1918). Some of his one-acts of the sea were later collected under the umbrella title S. S. Glencairn.In 1918, O'Neill married Agnes Boulton, with whom he had two children: Shane (1919-1977) and Oona (1925-1991). Oona broke with her father over her marriage to Charlie Chaplin in 1943. O'Neill and Boulton spent the theatre seasons in New York and summers in a remodeled coast guard station at Peaked Hill Bars near Provincetown. Despite friction in his marriage, the 1920s were one of O'Neill's most productive decades and truly established him as the long-awaited "great American playwright." Three of his four Pulitzer Prizes were awarded during the modernist era: Beyond the Horizon (1920), Anna Christie (1922), and Strange Interlude (1928). He experimented with expressionist techniques in The Emperor Jones (1920), The Hairy Ape (1921), The Great God Brown (1925), and Dynamo (1928). He explored racial issues in All God's Chillun Got Wings (1923). He wrote searing psychological dramas, Desire Under the Elms (1924) and Strange Interlude (1927), and a historical costume drama that also served as an indictment of capitalism, Marco Millions (1925).O'Neill's achievements before 1930 were remarkable and would already have assured him his preeminent stature in American drama. The end of this phase of his life coincided with his liaison with Carlotta Monterey and 1929 divorce from Agnes Boulton. The 1930s and 1940s would bring fewer but even more important plays.
The Historical Dictionary of the American Theater. James Fisher.
Look at other dictionaries:
O'Neill,Eugene Gladstone — O Neill (ō nēlʹ), Eugene Gladstone. 1888 1953. American playwright. Among his works are Mourning Becomes Electra (1931) and Long Day s Journey into Night (produced 1956), for which he was awarded his fourth Pulitzer Prize. He won the 1936 Nobel… … Universalium
O'Neill, Eugene (Gladstone) — (16 oct. 1888, Nueva York, N.Y., EE.UU.–27 nov. 1953, Boston, Mass.). Dramaturgo estadounidense. Hijo de un actor itinerante, vivió una juventud de abandono, en la que abusó del alcohol, además de ejercer como marino errante. Comenzó a escribir… … Enciclopedia Universal
O'Neill, Eugene (Gladstone) — born Oct. 16, 1888, New York, N.Y., U.S. died Nov. 27, 1953, Boston, Mass. U.S. playwright. The son of a touring actor, he spent an itinerant youth as a seaman, heavy drinker, and derelict, then began writing plays while recovering from… … Universalium
Eugene Gladstone O'Neill — Eugene O Neill Pour les articles homonymes, voir O Neill. Eugene O Neill … Wikipédia en Français
Eugene Gladstone O'Neill — noun United States playwright (1888 1953) • Syn: ↑O Neill, ↑Eugene O Neill • Instance Hypernyms: ↑dramatist, ↑playwright … Useful english dictionary
O'Neill, Eugene — ▪ American dramatist Introduction in full Eugene Gladstone O Neill born Oct. 16, 1888, New York, N.Y., U.S. died Nov. 27, 1953, Boston, Mass. foremost American dramatist and winner of the Nobel Prize for Literature in 1936. His… … Universalium
Eugene O'Neill — Eugene O'Neill, fotografiert von Carl van Vechten am 5. September 1933 Eugene Gladstone O'Neill (* 16. Oktober 1888 in New York City; † 27. November 1953 in Boston) war ein US amerikanischer Dramatiker und Literaturnobelpreis … Deutsch Wikipedia
Eugene O'Neill — Saltar a navegación, búsqueda Eugene O Neill Eugene O Neil por Carl van Vechten … Wikipedia Español
Eugene O'Neill — For other uses, see Eugene O Neill (disambiguation). Eugene O Neill Portrait of O Neill by Alice Boughton Born Eugene Gladstone O Neill October 16, 1888(1888 10 16) New York City, US … Wikipedia
Eugene O'Neill — noun United States playwright (1888 1953) • Syn: ↑O Neill, ↑Eugene Gladstone O Neill • Instance Hypernyms: ↑dramatist, ↑playwright * * * Eugene O'Neill [Eugene ONeill … Useful english dictionary


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LECTURESHIP/SENIOR LECTURESHIP/ASSOCIATE PROFESSORSHIP (3 POSTS) Department of Applied Chemistry
- Number of Vacancy: 3
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- Salary Range: $-
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NATIONAL UNIVERSITY OF SCIENCE AND TECHNOLOGY Applications are invited for the following posts in the Faculty of Applied Science: LECTURESHIP/SENIOR LECTURESHIP/ASSOCIATE PROFESSORSHIP (3 POSTS) Department of Applied Chemistry
Work/Educational Requirements
Applicants must hold a PhD Degree in Analytical Chemistry with experience in teaching Analytical Chemistry at both undergraduate and postgraduate levels. Applicants with experience in Laboratory Management and Quality Assurance and/or Chemical Sensors and Biosensors will be given preference. The successful candidates will be expected to develop research and publication records within their area of specialisation. Knowledge of Computational Chemistry is advantageous.
To Apply
APPLICATION PROCEDURE All applications will be treated in strictest confidence. Applications, which should include a curriculum vitae (giving full personal particulars of applicant including full name, place and date of birth, qualifications, employment and experience, present salary, telephone numbers and the names, addresses (including email) and telephone numbers of three contactable referees) and copies of certificates must be addressed to: The Senior Assistant Registrar (Academic) Human Resources Department National University of Science and Technology P O Box AC 939 Ascot Bulawayo, ZIMBABWE and emailed to [email protected] in a single pdf file clearly indicating the position being applied for in the subject line. The National University of Science and Technology is an equal opportunities employer. In the interest of promoting gender parity, female candidates are encouraged to apply. The closing date for receipt of applications is Monday 3 August, 2020


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Showing most recent first, in descending order
2 images in cluster Road in NH6271
Image clustering - assigning images labels - is an automated process, based on the image title/description. It's not totally accurate, and can sometimes assign images to odd clusters
in NH6271, near Ardross/NH6273
When: 27 May, 2017
By: Euan Nelson
When: 18 April, 2014
By: Trevor Littlewood
Explore these images in the Browser or Explore matching images including in surrounding squares (if any!)
Other Automatic clusters in NH6271
- Road
- Cnoc Fyrish (of which 1 shown above)
- Fyrish Monument (of which 1 shown above)
- Track
- Walk
- Track into the Novar Estate
- Start
- Contullich Burn
- Dalreoch Wood
- Bilberry


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By Green J
Read or Download Life in Ancient Mexico Coloring Book PDF
Similar mexico books
Authentic Mexican: Regional Cooking from the Heart of Mexico (20th Anniversary Edition)
americans have finally came upon Mexico's ardour for stimulating foodstuff. We've fallen in love with the good Mexican blend of wealthy, earthy flavors and informal, festive eating. yet we don't start to think how luxurious and sundry the cooking of Mexico fairly is.
After ten years of loving exploration, Rick Bayless, along with his spouse, Deann, gave us real Mexican, this now vintage, easy-to-use compendium of our southern neighbor's cooking.
This all-embracing cookbook deals the whole diversity of dishes, from fowl, meat, fish, rice, beans, and greens to eggs, snacks made from corn masa, tacos, turnovers, enchiladas and their kin, tamales, and moles, finishing with muffins, chocolates, and drinks. There are impossible to resist finger meals similar to Yucatecan marinated shrimp tacos and crispy cheese-filled masa turnovers; highly spiced corn chowder and chorizo sausage with melted cheese will commence a different dinner; you'll find mole poblano, charcoal-grilled beef in red-chile adobo, and marinated fish steamed in banana leaves for these instances should you are looking to have fun; and unique ice lotions, caramel custards, and pies to fill up any meal. There's even a bit dedicated to clean coolers, wealthy chocolate beverages, and various tequila-laced cocktails.
The grasp recipes function the entire guidelines you'll want for re-creating real Mexican textures and flavors in a North American kitchen. Menu feedback and timing and advance-preparation guidance make those dishes completely handy for today's operating households. and conventional and modern adaptations accompany every one recipe, permitting the prepare dinner to replacement and be artistic.
Rick and Deann Bayless traveled greater than thirty-five thousand miles investigating the six certain areas of Mexico and studying to arrange what they discovered. From city to city, recipe by way of recipe, they for my part introduce you to Mexico's chefs, their kitchens, their markets, and their feasts.
If, just like the remainder of us, you will have a growing to be love for Mexican foodstuff, the trustworthy recipes during this publication and the being concerned, own presentation through Rick and Deann Bayless will offer meal after meal of natural excitement on your friends and family.
Mary Ashley Townsend used to be a novelist, newspaper columnist, and poet laureate of recent Orleans who made a number of journeys to Mexico along with her daughter Cora over the last twenty years of the nineteenth century. She amassed her impressions of many features of existence in that country—flora, fauna, structure, humans at paintings and play, type, society, food—and wrote approximately them in the course of a time whilst few ladies engaged in solo shuttle, less the pursuit of commute writing.
Exclusion in Health in Latin America and the Caribbean (PAHO Occasional Publication)
Hundreds of thousands of individuals within the quarter of the Americas presently don't have entry to future health providers and are excluded from the advantages of overall healthiness safety structures. This factor is of becoming significance within the public coverage area, not just as a social phenomenon that has to be faced and resolved, but in addition due to its capability use as an analytical device to strengthen and evaluation interventions geared toward enhancing people's overall healthiness prestige and the functionality of wellbeing and fitness platforms.
The Journey of a Tzotzil-Maya Woman of Chiapas, Mexico: Pass Well over the Earth
Latest books approximately Chiapas, Mexico, specialize in political conflicts and the indigenous circulate for human rights on the macro point. None has explored these conflicts and struggles in-depth via somebody woman's lifestyles tale. the adventure of a Tzotzil-Maya girl of Chiapas, Mexico now deals that standpoint in a single woman's personal phrases.
- Villa and Zapata: A History of the Mexican Revolution
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Extra info for Life in Ancient Mexico Coloring Book
Example text
8 The present book differs from our previous efforts. The great call-up was indeed motivated by the events of the Mexican Revolution, and the presence of thousands of guardsmen helped to convince the Mexicans that the United States was serious about protecting its border. In this sense the mobilization helped to preserve the peace between the United States and Mexico. " But by the time the guard was deployed to the border the crisis with Mexico had abated. To the great disappointment of the guardsmen who had come to fight Mexicans, the troops were kept on active duty.
1 The troop concentration also sent a powerful message—the United States now doubted Díaz's ability to contain the revolution. Revolutionary momentum culminated on May 10, 1911, when Madero's forces unexpectedly captured the largest border town, Ciudad Juárez, across the Rio Grande from El Paso, Texas. The psychological impact was enormous—Díaz, the seemingly invulnerable strongman, was shown to be a paper tiger. Within two weeks his regime collapsed and he fled into exile in Paris, where he died in 1915.
Being denounced as a "bad Meskin" was tantamount to a death sentence. In a larger sense, the troubles heightened Anglo suspicion of Hispanics in general, the concern being that their real allegiance was to Mexico rather than the United States, and thus they constituted a fifth column. Despite the frequency of the raids, they accomplished little as far as the Plan de San Diego's stated objectives went, but the crisis they produced worked greatly to Carranza's benefit. , not only permitted him to transport thousands of troops on United States railroads from Texas to Arizona to repel an offensive by Pancho Villa in Sonora, but the Wilson administration recognized him as the de facto president of Mexico on October 19, 1915; within a week the raids ended.


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Price: $20.00
Quantity: 1 available
Book Condition: Near Fine
A carefully documented history of three early American holidays unique to the United States and celebrated in each of the 50 states: Thanksgiving, Fourth of July, and George Washington's Birthday. 174 pages with References, Bibliography and List of Illustrations. Inscribed and signed to the book's pevious owner.
Title: Celebrations of a Nation: Early American Holidays
Categories: Americana,
Edition: Third Edition
Publisher: Huntsville, Alabama, Johnston Bicentennial Foundation: 1989
Binding: Hard Cover
Book Condition: Near Fine
Jacket Condition: Near Fine
Inscription: SIGNED
Item: 1.00 Item
Seller ID: 05705
Keywords: Holidays Early American Celebrations,


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Lost Ancient High Technology: 12,000 Year Old Puma Punku In Bolivia
Said to have been constructed by the Bronze Age Tiwanaku culture 1000 to 2000 years ago, the enigmatic and magnetic megalithic stone works at Puma Punku in Bolivia are far older, and made by a culture with Lost Ancient High Technology. Some modern stone masons and engineers believe that these constructions would be very difficult to achieve in the 21st century. Watch and see why this is true.
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And Elijah said unto Ahab, Get thee up, eat and drink; for there is a sound of abundance of rain. So Ahab went up to eat and to drink. And Elijah went up to the top of Carmel; and he cast himself down upon the earth, and put his face between his knees, And said to his servant, Go up now, look toward the sea. And he went up, and looked, and said, There is nothing. And he said, Go again seven times. And it came to pass at the seventh time, that he said, Behold, there ariseth a little cloud out of the sea, like a man's hand. And he said, Go up, say unto Ahab, Prepare thy chariot, and get thee down, that the rain stop thee not. read more
Now therefore stand and see this great thing, which the LORD will do before your eyes. Is it not wheat harvest to day? I will call unto the LORD, and he shall send thunder and rain; that ye may perceive and see that your wickedness is great, which ye have done in the sight of the LORD, in asking you a king. So Samuel called unto the LORD; and the LORD sent thunder and rain that day: and all the people greatly feared the LORD and Samuel. And all the people said unto Samuel, Pray for thy servants unto the LORD thy God, that we die not: for we have added unto all our sins this evil, to ask us a king.


text: Whether you own your own business or just want to get things in order in your home office, "being organized can actually help save your business money. Read on for how organization translates into savings, along with ways that you can work on organization within your business and cut back on costs as you are doing so. "


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Title 27. GAME AND FISH
Chapter 4. FISH
Article 3. COMMERCIAL FISHING and FISH DEALING GENERALLY
Part 2. FRESH-WATER FISHING
Current through 2019-2020 Chapter 609
|Except as otherwise provided by law or regulation, it shall be unlawful for any person engaged in commercial fresh-water fishing in this state to use any gear other than trotlines, baskets in accordance with Code Section 27-4-92, turtle traps, or shad nets in accordance with Code Section 27-4-71, to which have been attached a tag bearing the name, address, and commercial fishing license number of the person using any such gear.
|For purposes of subsection (a) of this Code section, "trotlines" means one line which has more than 50 hooks in any combination or a combination of lines with more than 50 hooks in use by one person. The lines must be marked with visible buoys and must be attended regularly and removed after the completed fishing trip. The lines must be submerged at least three feet below the surface of the water. It shall be unlawful to keep any game fish, except flathead catfish, channel catfish, American shad, and hickory shad, taken with such lines.
|For purposes of subsection (a) of this Code section, turtle traps must be constructed of netting and shaped as hoop nets. The traps must also have one open muzzle or throat at least 32 inches wide with a ring ten inches in diameter made into the rear of the trap to permit fish to escape. Notwithstanding any other provision to the contrary, it shall be unlawful to use such traps in the Chattahoochee River and its impoundments lying between Georgia and Alabama. It shall also be unlawful to retain any game fish taken in such traps in any of the waters of this state.
Cite as OCGA § 27-4-91
History. Amended by 2012 Ga. Laws 676, §; 12, eff. 1/1/2013.


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VisitEngland has launched a new industry standard and mark to provide a 'ring of confidence' for tourism and hospitality businesses as the industry works towards reopening.
- To obtain the mark businesses must complete a self-assessment through the online platform including a check-list confirming they have put the necessary processes in place, before receiving certification and the We're Good To Go mark for display in their premises and online.
- Businesses across the UK are assessed according to their respective national guidance including the social distancing and cleanliness protocols that must be in place.
- An 'alert' system ensures that businesses signed up to the standard are notified if there are changes to the official guidance.
- A call-handling service will provide support and assessors will also carry-out random spot-checks to ensure businesses are adhering to the guidance.
- The self-assessment includes specific guidelines for sectors including accommodation, visitor attractions, restaurants and pubs, business conference and events venues and tour and coach operators with signposting to further industry and trade association guidance as required.
You can access the scheme's webpage here: https://goodtogo.visitbritain.com/


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The maximum home equity loan amount you can get depends on what your home is worth. And, the amount your mortgage is worth depends on the cost of your house. You'll get a percentage of that worth for your first and possibly second mortgage. Today, most companies will limit the loan to value for home equity loans combined at around 90 percent.
Up to half a million mortgage borrowers in the UK have seen their home loan sold onto inactive or unregulated. mortgages.
Where Can I Get An Fha Loan How To Get A Mortgage If you have bad credit and fear you'll face a loan denial when applying for a mortgage, don't worry. You may still be able to get a mortgage with a low credit score. Of course it will depend on a few factors, so your best bet to see if you'll qualify for a loan is to talk to a lender .Can I Get An fha home loan After Foreclosure? Can I get an FHA loan after foreclosure? This is a question that comes up quite often. The answer depends on a variety of factors including the date that the foreclosed property was transferred out of the borrower's name.
* In Texas, the maximum owner occupied LTV allowed is 80% and non-owner occupied is LTV 75%. Additional restrictions apply in Texas, so please ask a representative for details. In states other than Texas, the maximum owner occupied LTV is 90% and non-owner occupied LTV is 80%.
Get Qualified For A Home Loan You'll generally get a written statement from a lender stating this information, which can be used to give sellers confidence that you'll be approved for a loan after they accept your offer. Most pre-approval letters are good for 60 to 90 days.
It aims to accomplish this by lowering its maximum. with "loan churning," specifically as it relates to mortgages insured by the Department of Veterans Affairs (VA). "Rapid, serial refinancing has.
The equity homeowners build in their home over the years can be a source of cash for whatever their needs. Make home improvements, pay college expenses, consolidate bills, or buy a car with FMFCU's Home Equity Loans and Lines.
You can borrow up to 80% of the appraised value of your home, minus what you have left to pay on your mortgage, home equity line of credit or any other loans that are secured against your home. Your lender may agree to refinance your home with the following options:
Return on Average Equity (annualized) for the three months ended september 30. In addition, updated impairment analyses on two commercial real estate loans indicated improved market value of.
For homebuyers who are trying to qualify for an FHA loan, an acceptable loan-to-value ratio is 96.5% if your credit score is at least 580. If your credit score falls between 500 and 579, your LTV ratio can't be higher than 90%. For example, if you're buying a home that's appraised at $200,000, your loan can't be more than $180,000.
Home Equity Loan To Buy Investment Property Home Equity Loan Dallas Home Equity Financing – Home Equity Loans. Take advantage of the equity you've already established in your home. With a home equity loan, you can borrow up to 80% of your home's equity, so you may qualify to borrow between $5,000 and $400,000. Learn moreHow To Reduce Mortgage Payment How to Use Government Programs to Help Reduce Your Mortgage. – The government has programs designed to lower your mortgage payment. related articles. 1 How Do I Get Government Help to Pay for My house? 2 mortgage hardship Programs;Using the equity of your own home to buy an investment property carries some risks. If you don't use your equity wisely, you could end up losing your home. Or worst, you could lose both your home and your investment property. Here are some tips to help you maximise the power of your equity safely: Make sure you maintain a sufficient buffer.Home Equity Loan Brokers Home Equity Loan Dallas How To Qualify To Buy A House How to Use Mindfulness to Increase Your Team's Creativity – Train employees in mindfulness practices and in how to apply the benefits to daily life. and what methods can integrate that process into the workplace. Supplement in-house leadership development.Mortgage Lenders Prepare for the HELOC Wave – we are seeing a lot of activity in the home equity (heloc) market again. If this uptick continues, more lenders will need to quickly adapt their processes and technology to support these and other non.home equity loans aren't the answer if you only need a small infusion of cash. While some lenders will extend loans for $10,000, many won't give you As with traditional mortgages, mortgage brokers can often offer the best deals on home equity loans because of their relationships with multiple lenders.
Reverse Mortgages Maximum Loan-to-Value Loan-to-value (LTV) is a term that refers to the ratio of a loan's amount to the value of the property at the time the loan is taken out. For most "forward" mortgages (conventional mortgages that amortize regularly), the maximum loan-to-value ratio for loans without private mortgage insurance (PMI.


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N63.1 km
Wappen der Stadt Abenberg, BY, Germany
in Coats of Arms
Wappen der Stadt Abenberg - Coat of arms of the city Abenberg
posted by: pruppi
location: Bayern, Germany
date approved: 10/14/2019
last visited: never
N65.7 km
CoA der Stadt - Roth in Mittelfranken, Bayern, Deutschland
Das Wappen der Stadt am Eingang zum Rathaus.
posted by: *Team Krombaer*
date approved: 10/8/2019
last visited: 10/10/2019
SW67.8 km
CoA Zeughaus - Ulm, BW, Germany
There's an old Coat of Arms on the wall of an old building called "Zeughaus" at "Zeughausgasse" in Ulm, Baden-Württemberg, Germany.
posted by: [somnambulist]
location: Baden-Württemberg, Germany
date approved: 3/4/2016
SE80.3 km
Bayerisches Landeskriminalamt - München - By - Germany
Das Bayerische Landeskriminalamt (BLKA) ist das Landeskriminalamt der bayerischen Polizei mit Sitz in München
posted by: CADS11
date approved: 8/27/2018
last visited: 8/25/2018
SE82.6 km
Coat of Arms, Munich, Germany
Coat of Arms on New Town Hall, Munich, Germany. Wappen auf Neues Rathaus, München, Deutschland
posted by: bdek
date approved: 10/13/2011
last visited: 10/12/2019
Coat of Arms - München, Germany
This coat of arms of the town of Munich is located over the main door to the New Town Hall at Marienplatz 8 in Munich, Germany.
posted by: denben
date approved: 1/1/2018
N87.2 km
Nuremberg Coat of Arms - Nuremberg, Germany
Nuremberg's Coat of Arms at the walls of a medieval tower.
posted by: Bernd das Brot Team
date approved: 4/9/2017
last visited: 1/4/2020
E100.3 km
Principal coat of arms of Thurn and Taxis at Helenentor, Regensburg - Bavaria / Germany
Relief of the Coat of Arms above the arch of the helenetor.
posted by: Iris & Harry
date approved: 12/17/2016
last visited: 2/18/2017
Principal coat of arms of Thurn and Taxis at the Hofbräuhaus, Waffnergasse 6, Regensburg - Bavaria / Germany
Relief of the Coat of Arms at the Tower of the Entrance to the Hofbräuhaus.
date approved: 12/16/2016
Coat of Arms at Kreuzgasse 1, Regensburg - Bavaria / Germany
Two Coat of Arms of the City Regensburg at the doorway.
date approved: 11/27/2016
E100.7 km
Coat of Arms at the former Weinstadel, Keplerstraße 14, Regensburg - Bavaria / Germany
Coat of Arms of the City Regensburg at the fassade of the former Weinstadel
last visited: 2/23/2017
Coats of arms at the old town hall of Regensburg - Bavaria / Germany
Two Coats of arms of the City Regensburg at the portal.
last visited: 8/11/2017
E100.9 km
Coats of Arms at Church St. Johann (Regensburg) - Bavaria / Germany
Painted Coats of Arms of the City Regensburg above the Portal.
last visited: 2/20/2017
Coat of Arms at Brückturm, Regensburg - BY / Germany
Coat of Arms of the City Regensburg at both sides above the arch.
last visited: 9/1/2019
E101.1 km
Coat of Arms of Bishop Wolfgang II Freiherr von Hausen, Regensburg - Bavaria / Germany
Coat of Arms of Bishop Wolfgang II Freiherr von Hausen, who was the bishop of Regensburg from 1600 until his death in 1613.
N109.4 km
Wappen der Stadt Baierdorf / CoA Baiersdorf/ BY / Germany
The coat of arms is located on the front wall near the town hall of Baiersdorf!
date approved: 8/31/2015
last visited: 1/5/2020
Baiersdorf Wappen - Baiersdorf, Germany
The coat of arms is located on the front wall of the town hall of Baiersdorf.
posted by: GeoLog81
date approved: 5/14/2015
SW113.3 km
Ortswappen der Gemeinde Diepoldshofen - BW, Germany
Ortswappen der Gemeinde Diepoldshofen.........
Town coat of arms of Diepoldshofen
posted by: jotheonly
date approved: 5/20/2017
N120.1 km
Stammwappen der Reichsgrafen von Schönborn, Schloss Weißenstein, Pommersfelden, Lk Bamberg
Stammwappen der Reichsgrafen von Schönborn, Schloss Weißenstein.
posted by: lumbricus
date approved: 7/14/2011
S120.2 km
CoA Family Umfahrer - Nesselwang, Germany, BY
This is a Coat of Arms of a family named 'Umfahrer'. It is located at the outside wall of an old building in the 'Von-Lingg-Straße' in Nesselwang, Germany, Bayern.
posted by: Tante.Hossi
date approved: 3/13/2013
last visited: 4/20/2017
SW121.3 km
Wappen der Stadt Kißlegg - LdKr Ravensburg, BW, Germany
Wappen der Stadt Kißlegg im Landkreis Ravensburg.....Coat of arms of the city Kißlegg in the district Ravensburg
date approved: 6/15/2019
S124.4 km
Stadtwappen Füssen - Bavaria, Germany
Das Wappen von Füssen an einem gusseisernen Stadtbrunnen. The coat of arms of Füssen on a cast-iron fountain.
posted by: matefreund
date approved: 10/20/2016
last visited: 8/3/2020
S125.5 km
Wittelsbach Family Coat of Arms/Wappen - Hohenschwangau, Bavaria, Germany
König Ludwig baute Schloss Hohenschwangau wieder auf. Er war Mitglied der Wittelsbacher Familie, zu der dieses Wappen gehört. // King Ludwig rebuilt Hohenschwangau Castle. He was a member of the Wittelsbach Family to which this coat of arms belongs.
posted by: Trail Blaisers
date approved: 6/9/2018
S126.2 km
CoA of Tirol, Jungholz, Austria, TIR
This is the Coat of Arms of the Land of Tirol located at the border crossing between Germany and Austria in Jungholz, Austria, Tirol.
location: Tirol, Austria
date approved: 3/7/2011
last visited: 10/25/2015
S126.7 km
CoA City of Jungholz, Town Hall Jungholz, Austria, TIR
This is the Coat of Arms of the City of Jungholz located at the Town Hall (Gemeindehaus) in Jungholz, Austria, Tirol.
date approved: 3/11/2011
last visited: 8/8/2016
Copyright (c) 2020 Groundspeak, Inc. All Rights Reserved.


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You can Find Games Free Online
Games free online will take you to a whole new realm of fun and adventure. They are easy to find, easy to access and best of all, you don't have to pay anything for them. So many things in this world today cost money, but this is one way you can have fun for free, so take advantage of it. You can find your favorite board games online as well as learning games for your kids. And if you like getting lost for awhile in a little war action, you'll find that online too! Start browsing and find the perfect game for you! You will probably find one that you discover yourself coming back to frequently when you just need a little break.
Single Player, Multiplayer and your Old Favorites
For a challenging strategy game try the Far Wilds. The battlefield that you will be warring on will change, causing you to learn to adapt and fight despite the conditions and terrain around you. It is more about the strategy than the speed and clicking of the mouse, so if you like thinking more than using your fast reflexes then this is a game you will want to take a shot at with your friend.
If you are a hunter you might be interested in the game Deer Hunting that you can find online. It looks so realistic whether you have ever been hunting in real life or not. Learn how to set your target properly to get the most effective shot. Once you have played it enough, have gotten the hang of it and are excelling with your expertise, you may just walk away with the trophy. Supreme Deer Hunting and Bag a Monster Buck are two other games that involve guns and deer and the challenge of perfect aim.
For a fun adventure that is all in the family tag along with Nelly and Tommy on their grand quest. The journey and challenge will be thrilling as they seek to find and collect the hidden treasure that once belonged to their pirate grandmother. You will find yourself in many mystical and fascinating places. Anywhere from lands to oceans. You will have quests to follow and puzzles to unravel in order to finally lay hold of the much sought out treasure.
Some of the best games that your favorite social networking sites have are Scrabble, Chess and Poker. You can find all of these games as "aps" and within minutes you will be playing against your friends or people you have never met that are signed up and ready to play. The fun thing about social networking games is that they make it easy for you to post your scores on your public profile, which can add even more excitement to the competition as your friends want to keep playing until they can post their winnings as well.
Instant or Download
Games free online are a great way to forget the day and its worries and have a little fun for awhile. And the fact that they are free will help your stress as well. There are sites that you can go and play games on directly, or there are sites where you can actually download the game onto your computer. If you are going to download a game just make sure you double check any site you are downloading from to make sure it is a trusted site. So many people get virus' on their computers is because they download things without checking to make sure the site is secure and trusted. If you would rather not run the risk of downloading something to your computer there are also plenty of games you can play on the gaming sites. They are free and don't require downloading.


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Ten year background in creative marketing, branding, design and photography within the retail and financial sectors. Living overseas in America lead to my Interior studies. Asheville Interior Design now operates out of both the UK and Turkey with regular travel to and from both.
Advises on:
Proud to offer a variety of bespoke tailored services all fitting the clients needs. Unlimited to a particular trend, style or treatment whilst also providing long term design solutions. Thriving on the variety of projects, staying fresh and relevant to current market trends plus offering diversity in design.
Asheville Interior Design:
Asheville Interior Design offers a wide range of services from consultation, schematic conceptual designs via mood boards to set a treatment, right through to full-scale design with product sourcing and project management, 3D Spacial plans and rendering are also available. Working together with clients to create beautiful spaces, services are entirely tailored to your project needs.
Website: www.ashevilleinteriordesign.com
Instagram: @ashevilleinteriordesign