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Few people associate a wired city like Seoul with nature, but South Korea's capital is nestled among 37 accessible mountains.
1. A Bang For Every Occasion
Gyeongbokgung Palace - Seoul, South Korea. It was the main and largest palace of the Five Grand Palaces built by the Joseon Dynasty.
My friends and I took a day hike to Baegundae, the highest peak in Bukhansan Nat
Seoul is an amazing place- a thriving city where modernity meets the ancient.
In 1960, when South Korea's GDP was at par with Ethiopia's, nobody would have guessed a country 1/33rd the size of India would become one of the world's top 10 economies in less than fifty years.
Looking for Cherry Blossoms in Seoul
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TITLE: Nevernight
AUTHOR: Jay Kristoff
TRIGGER WARNING: Racism, Death.
WHERE DID I RECEIVE THIS?: HarperCollinsNZ sent this to me in exchange for an honest review!
GENRE: Fantasy
Destined to destroy empires Mia Covere is only ten years old when she is given her first lesson in death.
Six years later, the child raised in the shadows takes her first steps towards keeping the promise she made on the day that she lost everything.
But the chance to strike against such powerful enemies will be fleeting, so if she is to have her revenge, Mia must become a weapon without equal. She must prove herself against the deadliest of friends and enemies, and survive the tutelage of murderers, liars and demons at the heart of a murder cult.
The Red Church is no Hogwarts, but Mia is no ordinary student. The shadows loves her. And they drink her fear.
This is a book I do honestly feel guilty about loving so much. I originally never intended to read nevernight after witnessing some drama that made me both upset and uncomfortable (I will not be explaining it, feel free to google it if you wish) but when offered with the opportunity to review this book, I decided to give it a go and it managed to worm its way into my heart.
Nevernight is a fantasy novel that follows a main character called Mia from her young life to her initiation in the red church as an assassin. A darkin (someone who can control shadows & darkness) she has an ability no other initiate has and yet, they're all just as good as er as they fight for one of four places to become a blade and assassinate people for their lady god of blood, Niah.
This book was fast paced and full of action, it never slowed to a boring point and there was always something intriguing that kept you turning the page long after you meant to put the book down. I found one of my favourite parts of this book was the banter that was so beautifully crafted. From the wit of some characters to the lack of in others there was often reasons to crack a smile while reading this novel.
The main character, Mia, was a treat. While I went in expecting a murdering machine of a girl, I found a girl who wanted vengeance, who had given her life and happiness to avenge one thing in her life, and that she was alone more so than any other because she was Darkin (of course, she was never REALLY alone, am I the only person who ADORED Mr Kindly?) Mia often tried to show empathy and emotion, and to hold onto it while she went through brutal trials and I think that showed her character beautifully, she is definitely one of my favourite main characters.
I will point out that many POC have been offended by the representation in this book and even to me the representation was bad (most of the bad guys were POC and the only good guy? Got murdered) so please be careful going into this book. With the backlash that occurred because of this, Im hoping the second book, godsgrave will be better in this regard.
This book was bloody, and no character was pure, they were all shades of morally gray, driven to kill for different reasons. While this is a plot based book (the story constantly revolves around Mia slowly becoming ready to avenge something) the characters were really a highlight, from the librarian, to tric, and even to hush, I found myself falling in love with many of these characters.
Personally, I find it hard to explain what makes a book a 5 star rating, let alone a novel that I would almost throw into contendership for favourite of the year. I find while reading I have a heavy feeling in my heart, and I'm quicker to laugh or cry at the words I see, but nothing concrete specifically gives it its rating. In this case I think it's a combination of poetic writing, amazing characters, a plot twist I didn't expect, and the fact that I lost myself in these pages.
*Thanks to HarperCollinsNZ for sending me a review copy of this book!*
Until next time,

subset: commoncrawl


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more pics courtesy of Speedhunters.
i am totally whoring, i know...
but these guys make my car look so much better than it does in person!
i cannot wait till Antonio posts the photos he took on MotorMavens, he showed me a little preview on his camera and he is a genius!
S1600 Resurrection: One Super Saxo
19 hours ago


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The duration of an auto loan, generally between 4 and 84 months, is an important parameter to take into account. Indeed, the longer the duration, the higher the total cost of credit.
You need a car loan to buy a car? To choose the right repayment period of your car loan, it is necessary to understand the mechanism of such a loan and more specifically, the impact of the repayment term on the total cost of credit. Explanations.
The characteristics of auto credit
The car loan is part of the category of so-called assigned loans governed by the Code of consumption which means that it requires a proof of purchase. Thus, it can only be intended to finance the purchase of a chosen vehicle, whether new or used. The borrower will have to present the purchase order of the car he wants to buy from the lender.
The repayment period of the car loan varies from 4 to 84 months, or 7 years, depending on the profile of the borrower and the conditions set by the bank. The amount of this loan can reach up to 75,000 USD. In France, the average amount borrowed under a car loan is between 13,000 and 15,000 USD.
The link between monthly payments and the duration of the car loan
The duration of this loan is directly related to the amount of the monthly payments. Indeed, the longer it will be, the lower the monthly payments and vice versa. When you subscribe, the advisor will use your debt ratio and the amount of your monthly income after deducting your fixed expenses to calculate the maximum amount you can repay each month. This amount, based on the purchase price of the vehicle, will allow you to estimate the duration of your credit.
By opting for a shorter repayment term, your monthly payments will be larger but in the end, the loan will come back cheaper since you will pay less interest. You need to find the right balance between the amount of the monthly payments and the total cost of the credit . The objective is to choose the highest monthly payment while respecting the monthly debt ratio accepted by banks (33% of revenues).
Why do a car credit simulation online?
car credit simulation online?" />
Buying a car on credit commits you for several years. Before subscription, it is therefore advisable to carefully assess the risks related to the non-payment of monthly payments and to take out insurance. Free and without obligation, the online simulator allows you to get an overview of the various offers on the market. Its use is simple since you only need to indicate: the nature of your project, the amount you wish to borrow, the duration and the amount of monthly payments desired. The result of the online car credit simulation tells you in particular the number of monthly payments required, the total cost of credit, the lending rate, the annual percentage rate of charge (APR), the amount of interest and fees.
The loan simulation, however, does not correspond to a loan application. This request requires the respect of a strict procedure put in place to protect the consumer.


text: Explore the Makeup & Work of Our New Innovation Team Brian is joined by Brooks Adcock, Director of Innovation at Dude Solutions, to talk about the new team focused on innovation: Dude Labs. Find out more, as well as how you can get involved. (Also, let us know what you think about our new theme song!) In Episode 86, you'll learn more about: What is Dude Labs and what values drive the team Who is on the team and how was it put together What types of projects are they working on How to fail well Tips for other organizations interested in a program like this How can a Dude employee or client get involved SHOW NOTES: Zone to Win book The Startup Way book Sign up to become a Facility Innovator Dude employee idea form A Day at Dude Labs article download case study


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Latest posts by Gifted Authors (see all)
- Contest: Win a Selfie Stick, Diva Light & an Autographed Copy of Gifted! - September 20, 2019
- We did it! Gifted is now a #1 Amazon Best Seller & International Best Seller! - September 20, 2019
- Charlotte: Strong-Willed and Focused - July 30, 2019
Hello, readers! It's contest time!
Want to win a selfie stick, diva light and a copy of the book Gifted, autographed by co-authors Kim and Paul and Brian the illustrator?
Take a selfie reading our book, Gifted, in the most unusual place!
The most unique selfie uploaded to Facebook and Instagram with the hashtag #readgifted wins! Don't forget to mention us in the caption as well (@readgifted).
Winner will be chosen by Gifted co-authors, Kim and Paul on November 15, 2019 based on the most unique selfie. Good luck!
For more details, check out our Facebook page.
We can't wait to see your amazing selfies!
–Kim & Paul
Co-Authors of Gifted
This contest is in no way sponsored, endorsed, administered by or associated with Facebook or Instagram.


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The Courage to Teach - Exploring the Inner Landscape of a Teacher's Life
September 25, 2012
My rating: 3 of 5 stars
Despite this book being written for educators, it was first recommended to me almost a decade ago by a Christian educator in the congregation I was serving. A few years ago a ministry colleague loaned me her copy (and I'll finally be getting it returned to her).
There is good material that I can apply to the church and ministry and specifically to the teaching function of the pastor. Reading the book opened my eyes to some things I was doing incorrectly while also giving me insight into how to do some things better. Palmer is a Quaker and there are significant touchstones with theology and spiritual practice in this book which is not directly religious.
Of course there was much I skimmed over as not being completely relevant to why I was reading it.
For Palmer teaching is a pursuit of truth that the teacher and student engage in together. It is not about conveying a lot of information, but opening up horizons for students to discover things on their own. The teacher must develop the inner strength and trust to allow for exploration.
I would highly recommend it to all the teachers I know and think it is worth skimming for all the clergy I know.
View all my reviews


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Pro Shoe Crampon
- Crampons for sure-footed confidence in icy conditions
- Steel coil design grips wintery trails and roads alike
- Flexible construction enables unimpeded footstep motion
- Straps on securely and is easily removed and stored
- Item #YTX0012
- Material
- rubber, steel
- Recommended Use
- road running, trail running
- Manufacturer Warranty
- 3 months
Tech Specs
What do you think about this product?
April 25, 2019
- Familiarity:
- I've put it through the wringer
The Yaktrax are game changers on ice. They do exactly as they say and provide great traction on the ice and slick surfaces. They fit over my shoes and boots well and do not take up hardly any room in my pack for when I need to use them.
Andy Rice
March 6, 2019
Like Walking on Water
- Familiarity:
- I've used it several times
Well, frozen water. Regardless, these have saved me from slip-sliding during my morning trail runs and dog walks with the variable spring conditions. I get great traction and can really trust my footing. The strap makes me feel confident that they won't move during my runs and they are easy to take on and off which is a huge plus.
Casey Sandala
February 6, 2019
Nice product but not the most durable.
- Familiarity:
- I've put it through the wringer
I would buy these again. The price is right and they work really well on snow and ice. There failing seems to be when using them on concrete that has been cleared., they are not all that durable. The metal traction springs break quicker than I would have expected. When hiking on snow and ice though they seem to last ages.
Pierre Lemire
January 31, 2019
Great price, work well
- Familiarity:
- I've used it once or twice and have initial impressions
I have used these on icy winter peak ascents like Squaw peak. They are a great price and get the job done.
Tyler Mifflin
January 19, 2019
Quick and Simple
- Familiarity:
- I've used it several times
I don't like any hassle, anything that can keep me from a morning jog, will . I was stoked when I tried these out and realized they were super quick to put on and take off.sizing was pretty straight forward, and these don't slip while I'm running. Just what I was looking for!
January 16, 2019
So grippy
- Familiarity:
- I've used it once or twice and have initial impressions
These are amazing. I've fallen on my (well padded) ass in my driveway way too many times this winter and decided I should get a pair before I actually injure myself. Shoveling my driveway this morning was way less sketchy than it has been previous times. Love them.
Chris Smith
January 10, 2019
Perfect for hiking in the winter!
- Familiarity:
- I gave it as a gift but have feedback to share
Got these for my wife who loves to hike in the winter. They do an incredible job at gripping on hard pack and ice. For only $30, these things are a steal!
Nolan Paini
December 29, 2018
A necessity
- Familiarity:
- I gave it as a gift but have feedback to share
I got these for my boyfriend as I already have a pair for myself. He was always jealous of my traction when we winter hike. He was amazed at how much of a difference these make on snow and ice and is so happy to finally have a pair for himself. The velcro strap is a must too to keep them in place! These are a necessity for any gear closet.
Lauren Carr
December 13, 2018
- Familiarity:
- I gave it as a gift but have feedback to share
Great must have item. Gave as a gift.
brandon huffman
February 21, 2018
Well spent $30!
- Familiarity:
- I've used it several times
First year visiting the Ice Climbing Fest in Pictured Rocks (check it out, it's sweet), no yaktrax, lots of slipping, sliding, and general low-confidence that I wasn't going to fall over at any minute. This year, with YakTrax...walking right up packed snow trails, no slipping, and stable footing from everything from snow to the icy trails that were packed down in the backcountry. These are great...I was looking at the more expensive version but I went with these and I think they did their job very well. Karissa @ Backcountry steered me toward these and I am super pleased, she's always helpful! (firstname.lastname@example.com) I wear size 12 hiking boots (Salomon) and I got the XL's....probably could've gone with the Large, but they still stayed on, just took some adjusting. My wife wear's size 7.5 hiking boots, went with the Medium, and they worked perfectly! Great buy...when they wear out I'll grab another pair...these are staying in the car all winter!
Robbie K
December 29, 2017
Ice Ice Baby
Bought these for my roommate. He said they're great for hiking on the hard pack and ice.
June 19, 2017
- Familiarity:
- I've used it once or twice and have initial impressions
Used these for a trip to Bryce Canyon and could not have survived without these. Used them to go in and out of the canyon and had no problem with the help of these Yaktrax.
Adam Saucedo
February 11, 2017
We had quite the winter with a lot of ice packed on the ground(which we are not used too) and these worked amazing! Easy to put on and go.
Greg Burnett
January 19, 2017
About the fit...
My husband and I each bought a pair of these for use in the ice and snow in our neighborhood and on some easy winter trails. He wears a size 13 and has a pair of Oboz hiking shoes that he wanted to wear them with. I have a size 8 foot and wanted to use them with my Keen hiking boots. The company sizing states that we should be a L and S respectively. After reading the reviews here, we decided to play it safe and order one in each size and send the 2 back that didn't work out. It was a good decision as we both sized up to an XL and M respectively. We both struggled with the smaller size to get them on our shoes and the placement of the rubberized part over the heel did not seem right with the smaller size. The larger size was easier for each of us to put on our shoes and the rubberized parts on the toe and heel seemed to go into place correctly. The coils on the bottom of the shoes were in the right place with the larger size too. As for getting to try them out, well, it so happens that the storm we were hoping to use them for delayed their arrival and now the snow is gone. We will certainly try them at the next opportunity. Although, given the other reviews, I wasn't so worried about how they would perform for light walking and hiking; I was more worried about the fit. Summary: if you are anywhere near the top end of the size range, you are probably going to want to go one size up from their recommendation.
January 9, 2017
Traction on ice.
- Familiarity:
- I've used it several times
I wear a size 9 shoe and the mediums work great, both on hiking and pack boots. They add a degree of confidence on icy sidewalks, allowing much more mobility in the winter, I highly recommend getting a pair.
January 6, 2017
Helped from falling
- Familiarity:
- I've used it several times
Bought these for a trip to some of the national parks in southern Utah in mid winter. They really did the job for helping break through ice and loose snow. Hiking up inclines was a breeze. I used my Sorel boots that have a small heel so the coil would slip off every now and then. Easy fix. My boyfriend had no problems with his.
Corey M.
December 30, 2016
They'll keep you on your toes
I wore these in Bryce Canyon in the winter. While other tourists were slip-n-sliding down snow-packed trails, I was walking comfortably. These aren't designed for climbing icy ridge-lines but they are perfect for a casual winter hike.
Elliot Layda
December 19, 2016
The closest thing to having super powers
Revel in the satisfaction gained from a solitary run in the frozen tundra that others won't dare to brave. I just ordered a replacement pair of these crampons after several years of using them for both city and trail running, and they've proven very durable. You may never be able to walk on water, but these bad boys will enable you to run on glare ice like it's dry concrete, and that's pretty cool on it's own.
December 11, 2016
Don't waste your money
Unfortunately I was quite dissatisfied with this purchase. I used them on icy trails and some packed snow. They stayed in place for 10 minutes at most, afterwards the front became displaced and stretched over the toe. I made certain to have them on tight and to have the coils aligned properly. Nevertheless, as my run progressed the coils found their way to the borders and the sides of my sole barring them useless. I've used them twice since i bought them two months ago, and unfortunately I cannot return them. In turn, DONT WASTE YOUR MONEY.
Antonio F.
September 6, 2016
Nice Alternative to Slipping
- Familiarity:
- I've put it through the wringer
These do serve nicely on icy ground conditions, I have even used them as micro spike alternatives and they held up nicely. I would wear them is very late Spring or early Fall when hiking trails are wet and icy at higher elevations. They fit right over my boots and stay in place pretty nicely. I didn't experience any squeezing on my foot at all, that some other similar products may provide. I would say hiking a lot in them isn't quite the recommended use, but I think they can certainly suffice if needed. Definitely nice for walking the dog in winter, trail running, or the like.
Travis Bivins
February 24, 2009
I would like to know if XL size will fit...
I would like to know if XL size will fit size 15 wide Sorel Caribou boot as indicated?http://www.sorel.com/Product.aspx?top=1&cat=120&prod=49
Daniel C. Splinter
Benjamin Herndon
March 20, 2009
It should because they stretch well. I'd consider looking at some other options if you plan to use these for something more than casual.


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Welcome to Midstate Electric Cooperative! All information on this website can be made available in an alternate form by calling 1-800-722-7219.
MEC's Operation Round Up® Program is committed to improving the communities we serve! Join Operation Roundup® today!
For more information about Operation Round Up® please click HERE.
Touchstone Energy® Cooperatives is a national network of electric cooperatives across 46 states that provides resources and leverages partnerships to help member cooperatives and their employees better engage and serve their members. By working together, Touchstone Energy cooperatives stand as a source of power and information to their 32 million member-owners every day.


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Spokane Median Income Growth Rate
June 23, 2011 Leave a comment
Newly updated.
The next chart shows Spokane's median income versus the median income for the state of Washington through 2010. Spokane median income runs about 80% of that at the State level and has fallen further and further behind since the 1970s. Specifically,the statewide median incomes grows 2 times faster than the median income in Spokane.
Washington State now ranks 8th in the nation for wage income growth, which apparently comes mostly from the west side of the state – where unemployment went down, unlike in Spokane where May unemployment became worse.
As shown below, Spokane has unfortunately been diverging further and further from the State's median income.
The data comes from the Office of Financial Management.
As shown previously, transfer payments income into Spokane has gone up – sharply – although, per the previous article, nationally, transfer income has fallen in the first quarter of 2011. First quarter data is not available for Spokane.
Data comes from washington.reaproject.org
Note that transfer payments historically rise at the start of recessions. See 1973-1974, the early 80s, and then early 90s. Note how each time, the transfer payments dropped as the recession faded away.
Now look at 2001 – they never dropped afterwards here in Spokane. Then look at 2008 onwards. Will this drop when this recession recedes? With the loss of much industry here, I suspect many took involuntary early retirement (retirement benefits can be a source of transfer payments). This may be a semi-permanent upwards spike, as in 2001, from which the Spokane economy does not readily improve.


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The 2010 Senate Budget
General Government
Public Education
UNC System
Community Colleges
Justice and Public Safety
Health and Human Services
Natural and Economic Resources
The Senate's budget proposal for the UNC System increases the overall appropriations authorized in 2009's biennium budget by about $10 million, opposed to the Governor's requested increase of $42 million.
The major discrepancy between the Governor's budget proposal and the Senate's budget plan can be found in the Management Flexibility Reduction item. The Senate's budget nearly halves Governor Purdue's proposed $98.9 million flexibility reduction with their recommended $50 million reduction.
The UNC budget is aided by $144 million in federal "Education Stabilization" funds slated to be received via the federal stimulus bill. The federal funds were itemized in the state budget as a "cut" in last year's biennial budget bill because state spending would decrease, only to be replaced with the federal funds.
Major expansions and reductions include:
- Tuition Repeal: $34.7million. Repeals the tuition rate increase for FY 2010-11 that was enacted during the 2009 legislative session, meaning that the state would need to make up the difference of the lost tuition revenue to universities.
- Need-Based Financial Aid: $8.2 million. Expansion of Need-Based Financial Aid will be used primarily to fund an additional 4,600 students that qualify for aid.
- ECU Dental School: $6 million. Assists ECU in seeking accreditation and meeting faculty and operating needs. An additional $5 million is promised to ECU by the General Assembly in the next two years.
- Enrollment Growth: $5.6 million. Funds the projected growth of UNC system students due to an estimated increase of 441 full-time equivalent students. This is in addition to the $53.4 million already appropriated for previously estimated enrollment growth.
- Distinguished Professor Endowment Fund: $4 million. Increases the $8 million budget to reduce the backlog of 66 professorships awaiting state funds.
- Management Flexibility Reduction: $50 million. Expands the $100 million management flexibility reduction already embedded in this year's budget courtesy of last year's two-year budget plan. A priority is placed on non-teaching related budget cuts.
- Aid to UNC Hospitals Reduced: $2 million. Reduces the per annum appropriations to UNC Hospitals by 4.5%
- Legislative Tuition Grant: $1.5 million. Reduces the appropriation for LTG grants to $55 million.


text: 23Sep2020 Smart Mining Networking Event: BHP Optus Stadium, 333 Victoria Park Drive, Burswood, WA 23/09/2020 4:00 PM - 6:00 PM Read More Smart Mining Networking Event: BHP Austmine's networking events are back! We hope you can join us on Wednesday 23rd September for our Smart Mining Networking Event in Perth. Austmine's first networking event back in Perth will focus on industry innovation models and supplier relationships with our guest speaker Peter Barrenger,... Read More


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Hello guys,
I recently updated:
Joomla 3.7.5
SP Pagebuilder 2.5.3
Template Shaper Strings latest Version
Helix 3 to latest version
Since then the Helix page title which I could set in the menus, is disappearing.
The page-title Section is generated in HTML but will get no content, no text.
Any help would be nice.


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Even if this year has been mediocre in terms of movies actually released in 2017, it has been phenomenal in terms of stuff I've been introduced to for the first time, with Inland Empire, Suspiria and now The Thin Red Line establishing themselves as favourites. The last one in particular is the most surpsising, given that it's a Terrence Malick flick, and a war flick.
My previous experience with Malick established him as a filmmaker I respect more than I actually like. He has an approach to narrative which for lack of a better phrase is very stream-of-consciousness, with the imagery unfolding less according to traditional movie logic than to a more poetic or emotional logic. This, combined with his penchant for voice-over narration, almost gives his movies an overly literary feeling, as if he were trying to recapture the effect of reading, say, William Faulkner or T.S. Eliot on film. It's absolutely fascinating to watch, but its overall effect hasn't always added up to a completely satisfying movie experience.
But in The Thin Red Line, everything just clicks together beautifully.
The movie follows a World War II battalion during the battle for Guadalcanal, but it doesn't have a plot per se. It doesn't have a protagonist or even what we'd typically call an ensemble cast, since it fails to even establish which characters are important and which merely incidental, with various people drifting in and out of focus as things unfold. The effect is confusing, but also kaleidoscopic, with Malick's style weaving us through the various thoughts, feelings and experiences of the battalion in dreamlike fashion.
This is key to how the combat scenes unfold, and helped me to articulate an issue I have with a lot of war movies: the "you are there" realist approach to war scenes almost always registers more as spectacle than as horror, which often clashes against the movie's own intentions in depicting the horrors of warfare. The Thin Red Line is less interested in capturing the realism of battle than it is in having us subjectively experience violence as chaos, dissonance and disruption, and it's all the more emotionally potent as a result.
This, in turn, elevates the movie from being about one particular historical conflict into being about violence and conflict in general. Except that it's not just about that; in similar fashion to its kaleidoscopic narrative, the movie thematically dances around a number of different things, from war to nature to love to spirituality without allowing one to become dominant. More than that, it never pushes its material to the point of a conceptually graspable thesis statement, always content to remain suggestive and evocative.
There really is no hook to the movie, no real guiding through-line that the audience can grasp onto, which gives the whole affair a dreamlike feel, but as if it were the audience themselves were having this waking dream (or nightmare). Whether or not you're able to gel with this goes a good way to whether it's able to work on you.
Anyway, it's a movie teeming with incident and detail that remains difficult to sum up, so any post about it is either going to be short or really long, and I'm going to prefer the former right now. But as a closing observation it's worth highlighting that this was a really big budget production backed by a major studio. Something like that happening was already unique by 1998 standards, but nowadays it's borderline unthinkable.


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Zero Allowances. It's a very finite term that tends to get people really riled up whenever I talk about it. Yet whether we want to admit it or not, this concept sits at the direct center of the Pathfinder Roleplaying Game, as well as most 'modern' iterations of Dungeons and Dragons. Today, I want to talk a little bit about what zero allowances means and how it affects the role of the player versus the role of the Game Master in Pathfinder.
If you're a fan of Know Direction the podcast, you might remember a few months ago where Ryan and I got into an argument about the Shield Slam feat, whose text I have included below:
Shield Slam (Combat)
In the right position, your shield can be used to send opponents flying.
Prerequisites: Improved Shield Bash, Shield Proficiency, Two-Weapon Fighting, base attack bonus +6.
Benefit: Any opponents hit by your shield bash are also hit with a free bull rush attack, substituting your attack roll for the combat maneuver check (see Combat). This bull rush does not provoke an attack of opportunity. Opponents who cannot move back due to a wall or other surface are knocked prone after moving the maximum possible distance. You may choose to move with your target if you are able to take a 5-foot step or to spend an action to move this turn.
After a listener question, Ryan and I were debating the intent of the benefit like, "Any opponents hit by your shield bash are also hit with a free bull rush attack." After a designer comment, the Pathfinder community went aflame with this idea that according to the feat, you cannot choose whether or not to use the Shield Slam feat—should you take it, the free bull rush attack happens every time you hit a foe with your shield regardless of whether or not bull rushing an opponent is convenient for you.
Ryan took the stance of, "Yes, that's what it says so that's what it does." I, on the other hand, took the stance of, "No, because a feat should always be a choice." Yet no matter how long I debated this to Ryan, I couldn't win. Why? Because unknowingly, I had stumbled upon a core element of Pathfinder as a game system—something that sits at the heart of how designers and developers present Pathfinder's rules. This core element is something I like to call zero allowances
What is Zero Allowances?
Before I answer this question, I want you to think about the way that good freelancers, designers, and developers write text in the Pathfinder Roleplaying Game. Knowing how things are written and published is a crucial element to being an effective designer.
I'm going to put a few different lines of text from various feats and class features below—there's a reason for this, so bear with me.
- Benefit: As a full-round action, you can move up to your speed and make a single ranged attack at any point during your movement.
- Benefit: When running, you move five times your normal speed
- Benefit: When making a full-attack action with a ranged weapon, you can fire one additional time this round at your highest bonus.
- Starting at 1st level, a barbarian can rage for a number of rounds per day equal to 4 + her Constitution modifier.
- The rogue's attack deals extra damage anytime her target would be denied a Dexterity bonus to AC (whether the target actually has a Dexterity bonus or not), or when the rogue flanks her target.
Take a look at all of these effects. Read them two or three times, then answer the following question.
Which ones are optional? (Don't worry, there is a correct answer to this.)
The answer is actually pretty straight-forward—the first, third, and fourth effects are optional, while the second and fifth effects are mandatory. How can we tell?
Because the first, third, and fourth effects give you an option, while the second and fifth ones don't. And the secret, my friends, is in the word "can."
The word "can" in Pathfinder is indicative. It states something that you have the ability to do, implying that since you can do it, you can also choose not to do it. If the word "can" or "may" isn't present, then the rule isn't a choice. Its mandatory. This, my friends, is the heart of zero allowances—the idea that you are not allowed to do anything that the rules do not tell you that you can do.
Let's start by looking at the first effect, a snippet from the Shot on the Run feat. Normally the rules do not allow a character to make an attack during movement—they require a character to either move, then attack or attack, then move. Actions have to be separate; no mingling. Shot on the Run, however, is a new rule that changes this—it allows you to do something you couldn't normally do. No experienced player would claim that you could replicate the effects of Shot on the Run without that feat, because without the feat you effectively don't have the rule.
Zero Allowances and GM Fiat
So when we're talking zero allowances and the idea that players can't do anything that a rule they have access to doesn't allow, let's talk about GM fiat.
GM fiat, as many of my readers will likely know, is basically the Golden Rule of Pathfinder and Dungeons and Dragons. It's the idea that the GM can make any rule she wants in the spirit of making the game fun. Its an important part of the game, but sometimes its misinterpreted as proof that Pathfinder isn't a zero allowances game, that players can do anything they want as long as their GM says its okay.
Well, the proof is really in the pudding there, isn't?
Ultimately, the power of GM fiat lies with your GM, not with you as a player. If the GM wants to give you the freedom to implement whatever rules you want in the spirit of "rule of cool," then that's fine. But don't confuse that decision for the game being something that it isn't. Ultimately, the GM using the rules (perhaps the greatest rule of all) to the benefit of the player.
And ultimately, that's what makes Pathfinder as a rules system so great. The rules are grounded and concrete, but they have flexibility built right into them for the GM's convenience!
Alexander "Alex" Augunas has been playing roleplaying games since 2007, which isn't nearly as long as 90% of his colleagues. Alexander is an active freelancer for the Pathfinder Roleplaying Game and is best known as the author of the Pact Magic Unbound series by Radiance House. Alex is the owner of Everyman Gaming, LLC and is often stylized as the Everyman Gamer in honor of Guidance's original home. Alex also cohosts the Private Sanctuary Podcast, along with fellow blogger Anthony Li, and you can follow their exploits on Facebook in the 3.5 Private Sanctuary Group, or on Alex's Twitter, @AlJAug.


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Integration tests: The Test Automation Gap of Mystery
What does the term "integration test" mean to you? Something between a unit test and an end-to-end test? Integration tests are the most poorly-defined category of automated testing and also the most poorly understood.
Trish explains how to use both functional and dependency scope as a guide to understanding the wide range of integration tests. She also draws upon her deep experience in automated testing to describe examples of integration tests and the purpose of each. You will learn about hermetic tests, contract tests, data pipeline tests, and more in this engaging talk.
- You will learn how to use functional and dependency scope to understand integration tests
- You will go back to work equipped to explain what integration tests are to a range of audiences


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RIFLE, Colo. – Authorities say a 17-year-old boy fell to his death from a cliff in western Colorado.
The Garfield County Sheriff's Office says the Rifle teen, whose name has not been released, was with his girlfriend on the edge of a cliff on the Flat Tops north of New Castle when he fell Sunday.
He died at the scene.
Investigators have not said how far the boy fell or what caused him to fall.


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Things to Consider When Choosing an Equipment Transport Company
It is an established fact that for most companies, owning and maintaining cranes is not an economical idea. Construction companies, builders and roofers will often hire cranes, not by them. It is important that a hired crane should be where you want it whenever you need it. This means that the company involved in equipment transport should be one that delivers. How do you determine such a company? Here is how.
Delivers on Time
Anytime you want to hire or lease a crane, time is of the essence. The hired crane should fit into your building or construction schedule, so the company that is handling your equipment transport should meet your time demands by guaranteeing that the crane will be where it is needed at the agreed time. A crane that arrives late will only add to the costs you will incur in the process of hiring it, as well as to the overall project costs.
Deliver and Setup
A good crane hire and lease company should have the personnel and experience to deliver the crane on time and set it up swiftly. It makes a whole lot of economic, practical and logistical sense to have an equipment transport company that will deliver and install cranes, operate them and dismantle them as one package. This will make your construction job a lot easier, as the process will definitely be smoother than when you have all these processes broken up into different tasks to be handled by different entities.
Insurance and Certification
Anytime that you engage a crane hire and equipment transport company, it is vital to ensure that the firm you are hiring the crane from is certified and licensed to operate in your state. They should also be insured. This is to protect you, your workers and the structure you are working on. A fully registered, certified and insured company is a lot more likely to be safer to work with, operates with professionalism and has trained and experienced staff that will easily blend into your working schedule and add value to the site.


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We are in the midst of SA1 exams. While revising Science with #1 (Primary 5) last week, my hubby asked him what are white blood cells. While he was thinking, his 5 year old little brother quipped,"White blood cells are cells that kill germs." Woah! How did he know? So I asked him where he learned that from. He told me he read about it in his Sam's Science book.
Sam's Science is a series of four books on science topics for little kids. They are written in story form using very simple language and very simple explanation that even little kids can understand. Sam, the main character in the book, learns about various science topics through his conversations with his mother. #2 and #3 enjoy the books, especially #3 who loves to read.
There are four books in the series :
I bought these books at one of those ad hoc book sales that take place at open spaces in malls. If you cannot find them at one of those sales, they are available at The Book Depository (free worldwide shipping).


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A great callback to the rock stars of the 70's (Mick Jagger and David Bowie) the skinny scarf is one of the most popular accessories for fall/winter 2015, it's sassy, sexy but it can also be romantic and carefree. Skinny scarves are amazingly versatile, it can add interest to anything from leather pants, flares and a crisp white blouse to overalls or a simple black slip dress, this must have accessory also pairs well with my favorite Fall trends: 70's, Bohemian and Rock 'n Roll. Give it a try, be creative and let me know what you think! ;)
Tchau, Carla


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The Wassermann Automatic Timer Controlled water softener is suitable up to 3 to 4 people in a household. Its compact design is ideal for under sink installation with an easily accessible salt bin for refilling with tablet salt. It uses the extremely reliable Autotrol Logix valve and has a quick and easy to use digital programming display to set the regeneration cycle.
Depending on your water usage it can be programmed to regenerate from twice a day for very high water usage to once every three weeks for very low usage, giving you the flexibly and reliability to keep your whole household constantly running on soft water. This machine is designed to use less water and salt making it one of the most economical water softener of its size. The control panel is also detachable should you wish to mount it elsewhere (up to 1 meter).
To ensure that your water is not only always soft but solvent free, all Wassermann Water Softeners use a purified resin that is food grade and does not contain chlorinated solvents. You can therefore rest assured that using a Wasserman system you water is always safe and solvent free.
Simple to install, this machine can be fitted by any qualified plumber or DIY enthusiast. (see installation kits below or look in Installation Kits category for more options)
Supplied with 15mm standard fixing kit
Dimensions:H: 530mmW: 270mmD: 460mm
Technical specifications:Connections Inlet/Outlet 3/4" BSP male parallelDrain 1/2" Hose ConnectorOverflow 1/2" Hose connectorOperating Parameters: Max operating Pressure 8 bar (116 p.s.i )A 5 bar pressure limiting valve should be installed to protect the machine from excessive pressureMin Operating Pressure 1 bar (14.5 p.s.i )Max water temperature 30 degree CMin water temperature Protect from freezingTransformer-13amp/ 12VSoftener Resin volume 1x 10 litres Salt Storage capacity 20Kg tablet salt1706Ltr per cycle Capacity per regen at 300ppm hardness 900 gm Salt used per regeneration 65% Salt efficiency 50 litres / min peak flow at 2 bar pressure drop 30 litres / min Rated service flow at 1 bar pressure drop 76 litres Water used per Regeneration 1.9 1/ min Maximum flow rate to drain 72 Minutes Maximum Regeneration Time < 1mg per litre Softened water hardness
Terms & conditions | Privacy policy | Cookie policy Site by Dynamica
Copyright (c) Best 4 Pure Water 2020 All rights reserved.


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.@Brickworld® LEGO® Exposition Comes to @Detroit Area #motownmom #familyfun click for more information… dates & discount tickets
Brickworld® LEGO® Exposition Comes to Detroit Area
Spectacular LEGO Creations Built by Local Enthusiasts for the Entire Family
Kids Under 3 Free; Master Builder Mark Larson Available for Interviews
The Brickworld® LEGO® Exposition brings displays, hands-on activities and a variety of vendors to the 40,000 square foot Suburban Collection Showplace, at 46100 Grand River, in Novi, Michigan, on Saturday, September 21, 10 a.m.-6 p.m., and Sunday, September 22, 10 a.m.-5 p.m. Single-day tickets for North America's premiere LEGO expo are $13, or $12.50 cash at the door, and kids under three are free.
Brickworld Michigan will welcome hundreds of hobbyists and 20 vendors. Hands-on activities include LEGO and DUPLO play brick areas, seek and finds, and more. LEGO creations range from medieval castles to futuristic space stations featuring movie scenes, replicas of real-world buildings, and re-creations of famous paintings.
Special Brickworld Michigan activities include Super Robo Rally, King of the Hill games that start every hour and last around 20 minutes; Flock of Birds, where builders can display the bird they construct with the others; helping the Great Ball Contraption move LEGO soccer balls around a loop with a RC bulldozer; playing with a massive amount of bricks at Play Brick; and writing your name or building a mosaic picture on the Graffiti Wall.
"Since 2007, our motto has been 'Share – Learn – Explore – Discover,' which reflects our intent to create a fun and educational event where LEGO artists can meet and gain wisdom from each other," said executive director and Master Builder Mark Larson. "Brickworld is all about having fun and being creative. With LEGO, the possibilities are endless, and, at Brickworld, we hope the inspirations are endless as well." Larson is available for interviews.
The LEGO brick is widely recognized as one of the most educational toys in the world. Research suggests children learn best through play and LEGO bricks offer a wide range of benefits to children's development and confidence. Using LEGO bricks exercises creativity skills, hand-eye coordination, and matrix reasoning. At Brickworld, participants of all ages can witness and learn an amazing variety of ways to use the brick for art and engineering applications.
Brickworld LLC is a private company that is not associated with the LEGO Group of companies. Brickworld operates expositions and conventions dedicated to LEGO enthusiasts with creations from brick artists to engineers. The Brickworld LEGO Exposition will come to Fort Wayne, Indiana, on October 12 and 13, 2019; and, in 2020, to Indianapolis on March 21 and 22; to Milwaukee on April 18 and 19; and to Chicago on June 20 and 21. For more information on Brickworld, call 317-572-LEGO (5346) or visit Brickworld.com. ###
Posted on September 7, 2019, in Event. Bookmark the permalink. Leave a comment.


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There are totally different considerations for buying a automobile versus leasing a automobile when it is a used car, however let's tackle the purchase versus lease resolution for a brand new car. Enterprise Automotive Sales is a service of the Enterprise Rent-A-Automotive model. With hundreds of buyers in more than one hundred ten nations, IAA has the precise viewers in your autos. The final sale value will possible be much less depending on the automobile's actual situation, recognition, kind of guarantee supplied and local market circumstances.
three There at the moment are massive numbers of regular automobile boot gross sales across the UK. In case you're keen to browse local sellers and cars , our 'Classic Search' can help you discover what's obtainable in your space. Essentially the most exceptional function of the location is that you can examine the entire (CIF) price of all of the autos which are listed. If someone desires to sell their automotive, ninety nine percent of the time they don't seem to be going to cover it.
Know the way lengthy a automotive's been on the market, how its worth compares to related automobiles, if its price drops (or rises), and its Carfax report. Automobile boot sales are a way of attracting a big group of individuals in one place to recycle useful but unwanted domestic gadgets that in any other case might need been thrown away. Autorec is the proper place to search for Japanese used automobiles on-line.
Our used automobile dealership offers a unique and private car shopping for experience. Watch out to buy cars from a good supply where the automobiles have been properly checked and are totally street worthy. Go to at present and uncover why drivers from the higher Chicago area store for affordable used automobiles at Hertz Automotive Sales Schaumburg.
You might also find it useful to go to our new vehicles part to obtain the purchase worth of a brand new model. Visit our Clearwater, FL location for a wide array of Hertz Licensed pre-owned vehicles Every single car we promote has been totally inspected to offer you confidence once you're on the highway. You'll discover on the positioning not only automobiles offered by many effectively-recognized used automotive exporters, but also those by local automobile dealers in Japan.


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There are obvious reasons why the past and the future are viewed very differently. One is known, the other unknown, one unalterable, one open to modification, one is the cause of the present, while the other will be the effect we cause in the here and now. But there are big differences in the perspective we have on the events in the past that impact us now, and the view we take of the impact the actions we take now will have on the future.
A couple of centuries ago the difficulties of viewing the past and future were much smaller, the amount and rate of change was minimal, economies were static, they may grow and shrink in response to agricultural production or as conflict between the various local warlords and kings vied for resources, but the growth of technology and commerce was very slow until the last decades of the 1700s. Population was relatively stable, its slow growth interrupted by the four horsemen, and for the vast majority that lived the need or opportunity to follow any life path different from their parents and grandparents was absent. With most of the population working on the land it was only the rare and exceptional that moved out of their agricultural feudal serfdom.
Economic growth has vastly increased the wealth available to a vastly increased population as a result of the industrial revolution and the expansion of trade and colonialism in the last couple of centuries. That rapid rate of change and growth makes our present perspective on the recent past qualitatively different from that seen by societies in the past.
Despite the radical difference in the recent past, with a changing economic structure and technological advances the contrast between our view of the past and future remain. Some of this is rooted deep in biology. Our three score and ten lifespan, or biblical "best before" date curtails our view of the future, by the age of twenty we might consider what our future holds for the next fifty years, but beyond that is unlikely to be of direct interest. In contrast our view of important events in the past extends much further back because those changes have an ongoing and current impact on our lives. Not least because our parents and grandparents lived through those changes and the impact on them shaped how they raised their families.
There are always problems with extrapolating present trends, often the worst case scenario is emphasised to motivated political action, even when the scenario is unlikely and the response inappropriate.
Sometimes there are attempts at projecting possible futures that suggest that the change may not be linear, it will be worse than that. Recently a paper was published for discussion about the likely non-linearity of ice-melt and sea level rise.
However more effort seems to be directed at claiming things will be better than predicted by science in the political field than exaggerating the negatives.
What the future might hold links with a previous post on Utopias and dystopias. There is a large and diverse fictional body of work imagining future worlds. Often they are sly critiques of the present as with '1984' and 'Brave New World', but there are also many books that try and imagine a coherent future history, or at least explore elements of human society in the future. From H.G. Wells 'The Time Machine' through the Asimov 'Foundation and Empire' series to Ian M Banks 'Culture' novels the possible shapes of future societies has been explored.
An ideal excuse to post about another not a list of ten (NALOT) favourite 'Space Opera' books!


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Today my dad emailed me an odd request. He sent me a link to an amazon page for the essential Batman cyclopedia and asked me if it was a good start for understanding the world of Batman comics. Looking at the book, it's very out of date, being published in 2008 and would likely just confuse him.
This isn't the first time he has tried to get into comics, to my knowledge he tried reading Judge Dredd and Spawn but neither worked. I know he is reading the Walking Dead comic but I don't know how he is doing with that.
Can anyone help, I'm thinking of suggesting Batman Year One and the Long Halloween but I don't know If that would relevant since the New 52 and would just confuse him even more.
What are the best book or books for him to get the best understanding of the characters and story of Batman that are easy for someone who is a starter of comics?
Also of the New52 Batman books, are the best written, least crossover heavy (because I know he hates that about comics and just want his story self-contained without needing to read other comics to understand it) and easy for starters?
Update: My father has given more details, He likes the Darkness of the Nolan films but also likes the Gothic style of Tim Burton films and dislikes the camp of the Adam West era.


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V-Moda to Debut True Blood Headphones
V-Moda and HBO announced Wednesday that it will soon debut a new six-model collection based on the popular HBO series "True Blood."
The products, which range from ear buds to headphones, are meant to convey the show's "alluring, sexy style."
"The fantastical world of True Blood speaks to the vision and values of the V-MODA Tribe," Val Kolton, V-MODA's chief visionary officer, said as part of the announcement. "Our products have been carefully crafted for those whose style and sophistication have evolved through the ages. With each season, more and more people have found it impossible to resist the allure of True Blood and we think the same will be true of the new "V-MODA for True Blood" line. Like the show, it's boldly seductive."


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Fresh Dining Room Table 32 Wide
We will tell you concerning the Dining Room Table 32 Wide image gallery we carry this web site. You could look for images you like for details functions. Dining Room Table 32 Wide is the most browsed search of the month. If you wish to download please click "Download" button to save money on your smart device, Tablet or Computer. If you need an image of Dining Room Table 32 Wide a lot more you could search the search on this web site. We hope the information on this web site can help you locate something you are seeking. If you have criticism and also pointers concerning this article, please leave a message in the comment area about Dining Room Table 32 Wide.You can search for photos you like for info functions. Dining Room Table 32 Wide is the most browsed search of the month. If you require an image of Dining Room Table 32 Wide much more you can search the search on this website.
We have references to the background of the car you can see on the Wikipedia. A car (or automobile) is a wheeled motor vehicle made use of for transportation. Many definitions of car say they run largely on roads, seat one to 8 people, have four tires, and also primarily transport individuals instead of products. Cars and trucks entered into international usage during the 20th century, and also created economic situations depend on them. The year 1886 is considered the birth year of the modern-day car, when German inventor Karl Benz built his Benz Patent-Motorwagen. Autos did not come to be extensively offered up until the very early 20th century. One of the initial cars and trucks that came to the masses was the 1908 Design T, an American car produced by the Ford Motor Business. Cars were rapidly taken on in the US, where they replaced animal-drawn carriages and also carts, however took much longer to be accepted in Western Europe and also other parts of the globe.|A car (or auto) is a rolled electric motor automobile utilized for transportation. The year 1886 is related to as the birth year of the modern car, when German developer Karl Benz developed his Benz Patent-Motorwagen. One of the first vehicles that was available to the masses was the 1908 Design T, an American car made by the Ford Motor Company.
When we go over Dining Room Table 32 Wide after that we will think of dining room table 36 wide as well as numerous points. However in some cases we should understand about dining room tables 36 wide x 48 or 60 to know far better. It is not far away with the very important dining room tables 38 wide or less. If you wish to open the picture gallery please click image picture below. You could also download for your image collection.


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About Us
Just a nana,mom and a daughter having fun together......that really is our story. But here's a little background :).
In January 2015 Michelle (Mom) decided it was time for a life change. So she left her office job and decided to open a boutique in a portion of the balcony of her mom's (Nana) antique store & bakery in Caddo Valley, Arkansas. In April 2015 she opened Violet Fields Boutique. The vision going in was to offer cute boutique clothing at a price that was affordable and to always have something new to offer her customers. Things took off fairly quickly and by the end of the year Michelle was operating Violet Fields which now occupied the entire balcony of the store while Nana operated the downstairs antique store and bakery.
In March 2016, Morgan (daughter) announced she and her husband were expecting a little bundle of joy! At that announcement, Nana decided she was ready to retire and babysit her first great grandbaby. So what's a mom to do with a downstairs business without someone to operate it? Convince her daughter to give up teaching to come work with her, of course :)! So onboard came Morgan in July 2016! She totally revamped downstairs and went from antiques to an absolutely fantastic gift store and bakery. Nana is still the baker for the bakery but her favorite role is now babysitter for baby Piper!!!
As 2017 starts, we are so VERY excited to offer Violet Fields Boutique Online. The concept for VFBO is the same as VFB: cute boutique clothing at an affordable price and ALWAYS SOMETHING NEW!
We're a little old fashioned in that we believe the customer is the boss and if not for the customer there isn't a job for us. We hope you enjoy shopping VFBO and if you are ever near Caddo Valley, AR you will stop by and see us in person.
Michelle Thornton & Morgan Morrison


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What is MCAT? MCAT (Mitchell Collaborative Advisory Team) serves as an advisory body to support our school's shared leadership model. All are welcome! We have quarterly meetings to discuss and gather input around school improvement priorities and strategies, student-based budgeting and more. Please see the agendas below for additional information about our MCAT meetings. We meet after school at 3:00 p.m. in the Mitchell Library. Our next meetings for the 19-20 school year are scheduled for the following dates:
September 14th, 2019
November 12th, 2019
January 28th, 2020


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5 - 7 October 2021
Benseler Entgratungen
Thermal deburring methods are used wherever the quality of the deburring significantly affects the function of the components or where labor-intensive deburring is sought to be replaced.With this method, all existing burrs on the workpiece are burned off in a deburring chamber that is filled with an oxygen-fuel gas mixture.The burning of the burrs, which takes place on the component surface without material removal, takes only a few milliseconds so that workpieces are heated only slightly.The deburring process and in particular the complete stabilization of all burr edges is determined both by the gas volume and the the mixing ratio of the oxygen-fuel gas mixture. The the optimal design of any possibly used deburring devices has a decisive influence on the final result.Advantages:- All burrs on the workpiece are removed- Very high process reliability-The burr roots are sealed
(Main stand)
PECM - Precise Electrochemical Machining THE APPLICATION FIELDS: The PECM method allows highly precise and fast machining of metals, regardless of their hardness, ...
Processing with a high pressure water jet is ideal for deburring, chip removal, and cleaning. With this method, we use only water to remove the burrs from those ...
The method of electrochemical metal machining is especially well-suited for precision deburring and the rounding of edges at precisely defined locations.
This technique ...
Reinigen von technischen Bauteilen auf Restschmutzanforderungen und Sicherstellung des Reinigungsergebnis im eigenen Labor.
Stored items


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Loan amount: up to 1 000 000 UAH
Return period: from 3 to 36 months, with the right to extend
Registration time: 1 day
Rate: from 2% per month in UAH.
Documents: passport, code, documents of title for collateral
ЕIf you need money for any expensive purpose, we are ready to provide you with the necessary amount of loan secured by real estate
Loan products offered by banks are subject to different conditions, including the requirement for collateral. Banks issue a pledge requirement if the borrower asks for a large amount of borrowed funds, which is the risk of non-payment of the loan and if the borrower does not have an income statement or documents required by the bank.
The collateral is the property of a citizen, given to the bank under a loan. Organizations are similarly taking a loan act. Movable real estate acts as collateral. When making a loan, a pledge agreement concludes upon reaching an agreement between the participants in the legal relationship.
If the client fails to fulfill the credit obligations of the bank, debts arise under the contract. To minimize the risks, banks require collateral. Lending institutions can realize the pledge in case of improper fulfillment of the loan obligation.
A characteristic feature of mortgage lending is the automatic collateral. The collateral becomes a flat acquired in a mortgage. Under the terms of the contract, the borrower has the right to register in the residential premises. In the case of non-return of money, the bank can realize the property at auction. As car loan characterized by the presence of auto collateral. It is a car bought on credit.
One of the main criteria for the pledge is its high liquidity. Banking experts say that they should be able to implement collateral at a reasonable price as soon as possible. It is possible to sell the property for a short period, but on condition that it is in consumer demand. An additional requirement of the bank is easy alienability of the pledged property from the property of its owner. Situation: if the machine mortgaged, then it must be alienated from the owner at any time at the request of the bank. The lending institution must bear the substantial costs of dismantling and transportation. An essential factor in the security in question is the fact that it should belong to the borrower and not burdened.
Loan secured by real estate
The loan nuances
As noted by many experts, real estate remains the most profitable type of property. Private loans secured by real estate can obtain at any or almost any large bank. Today, various crises often occur, but real estate does not lose its price, which only rises over time.For this reason, people seek to invest in real estate to obtain funds that help to cope with various problems. Get a loan secured by real estate everyone can. It is only necessary to deal with existing lending options.
Demanded offer
Commercial banks tend to issue funds on bail in various areas. A loan secured by real estate Ukraine can be:
- Mortgage;
- Consumer;
- For business.
It is worth considering that although any bank has the right to give its names to such loans, their essence does not change as a result. Mortgage loans for real estate remain the most popular. Many families in our country want to provide themselves with more comfortable living conditions. Naturally, the rights to housing recorded in the constitution, but this main document does not guarantee its receipt. For this reason, millions of citizens want to take a loan secured by real estate. What is mortgage lending? If you use the usual terminology, we are talking about credits, in which the pledge is property. Money on the security of the apartment can provide various financial institutions. In our country, the cost of housing continues to be quite high, so only some citizens manage to find the amount to buy a home independently.
Cash loan secured by real estate
For this reason, the money secured by real estate does not lose its relevance. Mortgages want to use thousands of families. Such a proposal may have several forms. The most common is the issuance of funds for the purchased property. In this case, the borrower will be required to provide a down payment for the house. Its size may be different. A cash loan secured by real estate may require you to 10-30% of the amount for the purchase of housing, which must pay immediately. This amount determines by the bank, as well as the program that it uses for lending. It is also necessary to take into account the individual terms of the agreement. However, a loan secured by real estate remains the best solution.
Next option is to receive funds for a house or apartment and to provide an existing property as a pledge. Such lending also remains very popular. A loan secured at home is ideal for those who are not willing or unable to make a down payment on their own, and therefore need the full amount of funds right away. But a loan secured by a house in Kyiv is usually issued in an amount that is less than collateral value. This offer opens up many opportunities for buyers. Often, young people use their parents' housing or hereditary property to get a loan secured by a home Kyiv. After purchasing a home, they can reissue a loan for a new home, which will remove the burden of real estate from relatives.
If a loan secured by housing will pay regularly and on time, the financial institution can meet its customers. We are talking about cases when banks offer to sell the old property to pay off a loan.
Loan secured by real estate in Kyiv
Consumer loans
Receiving funds for such credit is shared. A loan secured by a land plot can use for various purposes. We all have to face funerals, weddings, expensive training, or treatment. Payment for any of these activities, as well as many others, are associated with significant expenses. A loan secured by an apartment allows you to cope with such a financial burden. You only need to get a certificate from the place of work to ensure that you can get the necessary amount of funds.
For this reason, a consumer loan secured by an apartment in Kyiv continues to hold second place in popularity. But we must remember that in this case, the interest rate is usually significantly higher than in the case of a mortgage. A loan secured by an apartment Kyiv can obtain under any liquid real estate. The property does not have to be residential. For example, even garages are suitable for consumer lending. Funds from the loan can use for any purpose.
A loan secured by real estate is often obtaining for business development. Entrepreneurs often have to face various expenses that cannot cover with current profits. In order not to reduce working capital, you can use a loan secured by real estate without an income statement. In this case, you only need to provide promising real estate as collateral. Some entrepreneurs use several loans for already existing or only registered property. A loan secured by real estate in Kyiv will ensure rapid business development. In this case, there are several nuances. It is best to make money in the bank, where you have been discussing for many years. In this case, the financial institution can provide you with more favorable conditions for lending. But if you take a loan secured by real estate Kyiv in a large bank, then you need to be prepared for what he will know about all the features of your business.
Loan secured by real estate in Ukraine
Terms of issuing loans
Before you take out a loan, you must remember that banks are always in absolute dependence on customers. Therefore, a loan secured by real estate Ukraine is usually issued only after the real estate valuation of the borrower, which is conducted by specialized companies. The client will bear expenses for the examination.
You will also need to ensure the property. To get a loan secured by real estate without insurance will be quite tricky. Insurance also costs payout of the borrower's pocket. Often, financial institutions insist on comprehensive coverage. It means that the borrower will receive a guarantee for several risks, ranging from disability to the loss of property rights. Typically, such a contract requires about 1.5% of the loan amount, and this percentage pay each year. A private loan secured by real estate will allow you to solve any financial problems.
When making banks tend to reduce the price of the property, which transferred to the pledge. For example, a real estate appraiser carried out, the results of which will be studied by the bank where you decided to take a loan. But the money secured by the apartment will be received in a smaller volume if we compare the amount with the market price of the house. But one should not think that a financial institution treats its clients in bad faith. This approach allows banks to reduce their risks. You can get a loan secured by real estate in a specialized institution.
It is enough to consider a specific situation to understand such a discount. For example, money secured by real estate gets a person who had to lose a job or survive bankruptcy. In this case, the loan will no longer pay in full, so that a loan secured by real estate does not become unprofitable for a bank. It will deal with the sale of real estate at market value, and it will use the received funds to repay the loan, interest, and penalty charges. The balance will transfer to the customer's account.
You must provide a specific list of documents to get a loan for real estate. It's also a certificate that the house is really in your property (it may be a sale, donation, or inheritance agreement). As noted above, a cash loan secured by real estate cannot obtain without an assessment of the price of the property. In some cases, you will need a cadastral passport, floor plan of the dwelling. Without a technical ID, an apartment may also not provide you a loan secured by a house.
To receive funds, you need to take into account such a feature as redevelopment. Now a loan secured by a house in Kyiv is a general service. But if you are engaged in house building, but did not conduct its registration, it is unlikely that banks will risk providing you with a loan. It is worth considering the situation on an example. A loan secured by a home Kyiv can obtain on any property. Therefore, often, failures occur precisely because of redevelopment, which is carried out in houses of the old type. Even installing a small plywood shield to create a pantry can cause failure. A loan secured by housing has a technical plan as a basis. If the validity does not correspond to the document, it will be impossible to get a loan.
Also, it is necessary to take into account the term to get a loan secured by a land plot. Most often, these indicators are determined by how quickly the borrower will be able to acquire all the necessary information to obtain a loan. If you do everything right, a loan secured by an apartment in Kyiv can get in a couple of months.
It is worth pointing out those today receiving funds on bail remains in demand among citizens. It is not surprising, because a loan secured by an apartment provides an opportunity to change life for the better quickly. But the process of obtaining funds can be quite lengthy and challenging. You can take a loan secured by an apartment Kyiv on any conditions. It is only necessary to evaluate all the offers on the market for such services. Also, you will need knowledge in the legal and economic field to get a loan secured by real estate. Remember that banks are not interested in telling you about the various risks that arise when issuing loans. If you decide to get a loan secured by real estate Kyiv, you should contact a specialist who will help you find the best solution. The help of a professional will minimize the risks, as well as save you from additional problems.
If you need a loan secured by real estate without income certificate, feel free to contact our company. We will be able to offer you the most attractive loan conditions. Our consultants will answer any questions. You can make sure that the loan secured by real estate in Kyiv continues to be a profitable solution for all who urgently need a large number of funds.
Cash loan secured by apartments
Cash loan secured by an apartment. There was an urgent need for a significant amount, but you do not know who to deal with that? This situation may be with each of us. Making a loan in the bank is almost impossible. It is necessary to provide a vast amount of documents and wait for a response for several days. Money on the security of an apartment is often the only option for most of us. But there is a considerable risk when contacting banking institutions. You must understand that such places offer too strict conditions. The slightest violation of them can lead to the fact that you lose your home and find yourself in a debt trap.
Loan secured by the property. Money secured by an apartment or any other real estate is one of the oldest mechanisms of cooperation between lenders and borrowers. It is because housing will never lose its material value, so investing in this area are of particular benefit.
If you need a large amount of funds, the money secured by real estate can be an excellent way out of a difficult situation. It is very important to choose the organization that will give you the necessary funds. It is essential to take into account a lot of nuances and be well versed in the legal aspects of such cooperation. That is why it is worth choosing only a reliable company with favorable conditions.
We offer money secured by real estate in the brightest conditions. There are several possible options for cooperation:
- Private loan secured by real estate that you already have. In this case, the borrower is required to provide documents proving his identity and the fact that he is the owner of a house or apartment.
- Credit for real estate. It differs in that you take the funds to buy the home you need, a plot of land, etc. In this case, real estate property is real estate, which you do not yet have.
In both options, we are ready to offer the most favorable conditions.
Mortage loan
Loan types. Depending on the purpose of the loan can be divided into several broad categories. Mortgage loans for real estate – this is the most common option. In our country, it is quite challenging to collect the necessary amount of funds for the purchase of housing. That is why many young people prefer to buy an apartment or house on credit and pay the loan amount for a specified period.
Consumer private loan secured by real estate issued in a case that you already have the necessary property, but you need funds for your needs. In this case, you will have to provide a sufficiently large number of documents to ensure your solvency.
A loan for business development is the riskiest option of all because no one guarantees that your business will generate the necessary income. But this is an excellent choice for a small company that would like to expand its field of activity or enter another market.
Our company is ready to help you in any direction of lending. The advantage of contacting us is that we are a platform where the borrower and the lender cooperate. Our experts only help in the design of papers and offer several profitable options for both parties.
Land as Collateral for a Secured Loan
The cooperation mechanism. A loan secured by a land plot or other real estate is made relatively simple. We tried to make this procedure as easy as possible for our clients. You are only required to bring the necessary documents. Our experts will evaluate the value of your property based on market conditions. After that, we will select a list of people who are ready to give you a loan secured by a land plot.


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- Biblio | erininitor.tk.
- Excel for Marketing Managers.
- Growing Old in El Barrio;
- Ralph Waldo Emerson (1803-1882);
- Natural and Engineered Resistance to Plant Viruses, Part I?
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- Best Years: Going to the Movies, 1945-1946.
Epitomized in the work of Emerson, this praxis takes shape explicitly in Emerson's understanding of democracy and occurs as an exchange within the act of reading. This is the exchange that Emerson so eloquently calls for in "The American Scholar" under the name of "letters. After situating American letters in relation to German and British Romanticism and the features of American culture that augmented and altered their reception in the United States, the book goes on to explore the type of reading that Emersonian rhetoric engenders.
Both persuasive and tropological, this rhetoric elicits from the reader something similar to psychoanalytic transference. Its goal is to lead the reader to a point at which representational logic breaks down so that a new subject can take shape. The purpose of such rhetoric, however, extends well beyond personal self-creation, because the construction of the subject emerges as the very possibility of the passage from the private sphere to the public one.
In this passage, our entire notion of liberal individualism must be rethought, and with it, the pragmatic question of Emersonian ethics and politics. A revisionary study of some of Emerson's central essays, Less Legible Meanings also invites the reader to reconsider the nature of Emerson's influence on contemporary American culture and to discover new ways in which we might continue to understand his work. Interdisciplinary in scope, the book makes equal use of the history of philosophy, psychoanalytic theory, and cultural history.
Dryden, University of Arizona. Pamela J. Convert currency.
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- Handbook of the Birds of India and Pakistan Vol 1: Divers to Hawks Together with those of Bangladesh, Nepal, Bhutan and Sri Lanka!
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James M. Albrecht - - Fordham University Press. The Conduct of Life.
Review of H. Callaway Ed R.
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Emerson, Society and Solitude: Twelve Chapters. Hall - - The Pluralist 4 1 Added to PP index Total views 16 , of 2,, Recent downloads 6 months 3 , of 2,, How can I increase my downloads? Sign in to use this feature. Applied ethics.
History of Western Philosophy. Normative ethics.
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Philosophy of biology. Philosophy of language. Philosophy of mind. They make Emerson seem awfully remote, abstract, and — yes — academic. It seems to me that a defining aspect of reading, that is, experiencing Emerson texts is its capacity to communicate something more basic and immediate than its arguments. By taking a clue from F. The defining feature of these fragments is their ability to make us see things as if we are viewing them for the first time spectator novus. It is a world where, we discover, there could be holiday in the eye too, if only we knew how to carry it.
In short, it is the world of active membership. A snow-storm was falling around us. The snow-storm was real, the preacher merely spectral, and the eye felt the sad contrast in looking at him, and then out of the window behind him into the beautiful meteor of the snow. He had lived in vain.
If he had ever lived and acted, we were none the wiser for it. The capital secret of his profession, namely, to convert life into truth, he had not learned. Not one fact in all his experience had he yet imported into his doctrine. This man had ploughed and planted and talked and bought and sold; he had read books; he had eaten and drunken; his head aches, his heart throbs; he smiles and suffers; yet, was there not a surmise, a hint, in all the discourse, that he had ever lived at all EL, pp.
At times it seems that he has too many particular cases on his plate to find room for abstraction. And it often happens that when he wants to make a point by giving an example, he sees an opportunity to unleash many images that are connected to each other like a collage. Sealts, Jr. LaRocca New York: Bloomsbury, , pp.
"Solutions in Hieroglyphic": Ralph Waldo Emerson, "Picturesque Language," and the Ancient Near East
Anscombe Oxford: Basil Blackwell, , p. Nyman, trans. Winch Oxford: Basil Blackwell, , p. David J. Hodge Stanford: Stanford University Press, , p. Gilman et al. Cambridge: Harvard University Press, , vol. VII, p. Richard C. II, p.


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Isaac Bezzina & Jeremy Saywell on the podium in WalesWednesday, January 25, 2012, 15:51
The Maltese Judo squad, made up of Brent Law, Jeremy Saywell, Patrcik Gamble, Joanna Camilleri, Marcon Bezzina, Francesco Aufieri and Neville Thomas, accompanied by Envic Galea, Lamberto Raffi and Alex Bezzina, is currently inCardiffcompeting at the Commonwealth Judo Championships.
Isaac Bezzina was the first winner of the day when he beat Peter Vincent from England (3 time bronze medallist in Junior Championships in Britain and England last year) by Ippon (full points). He then beat Liam Dolkin from Scotland (2010 Cadet British Champion and 2011 British Junior bronze medallist) by Ippon in the semifinal. The final match was against Dominic Laing who has just won his bronze medal in the British Junior Trials last weekend. The finals were held on stage with a spectacular intro announcing Isaac Bezzina from Malta. Isaac fought till the end but he accumulated 2 shido & Dominic managed to score another Yuko against him. However, this was a huge success for Maltese Judo as Isaac won his first important medal in international judo – a silver medal at the Commonwealth Judo Championships.
The day didn't start off too well for Jeremy Saywell, but definitely he managed to end it on a positive note! In the first contest, Connor Ireland (Wales) (bronze medallist at the British Trials & at the North Irish Open) took by surprise our Saywell & threw him for harai gochi (hip sweep). Ireland made it to the quarter finals, thus qualified Jeremy to the repechage and another chance to fight for the bronze medal. He eliminated Pierre Hockey from Guernsey with drop seio nage (drop shoulder trow) and then Benny Huynh from Australia (Cadet Continental Champion in 2010) with his famous Kata Guruma (shoulder wheel). His final match for the bronze medal was against Shawn Kearney from South Africa. Jeremy beat Kearney with yet another technique – this time a Ko-Uchi Gari (Minor Inner Reap), thus winning his first Commonwealth Medal: a Bronze Medal!
Francesco Aufieri had his first experience in an international and intercontinental Cadet event. His first fight was a very close encounter with Brendan Nel fromSouth Africa. Francesco handled his opponent well, and at the end of the contest, none of the competitors had a winning score. Francesco went into Golden Score however none of the competitors managed to score a point. The contest ended in Hantei (Referee decision) where the referees awarded this contest to Nel. Since Nel's next fight was the semifinals, Aufieri was recovered to fight for the bronze medal. Unfortunately, he didn't manage to beat Christopher Golding fromSouth Africa.
Neville Thomas was the first Maltese to go up on stage and it was also our first experience contesting the Veteran categories in the Commonwealth Judo Championships. Neville's first contest was against Mark Desfountain fromSouth Africa (silver medallist at these Championships). Neville was recuperated in the repechage, but lost his second fight against David George fromEngland. Comments from the team up inCardiff were that Neville was very unlucky on the day, and deserved at least a bronze medal.
Lamberto Raffi's comments at the end of the day were: "I am very happy with the overall performance of the team. Jeremy is very strong and could have even won the gold medal. Isaac played very well with his grips and gave a great performance. We look forward to tomorrow's senior categories!"
Tomorrow (Wednesday) Marcon Bezzina, Joanna Camilleri, Brent Law, Jeremy Saywell, Isaac Bezzina and Patrick Gamble will compete in the senior categories.


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The original photograph of the Dhuni taken in 1936 by the Late Shri.D.D.Neroy from Pune.
Original Photographs of Sai Baba - 1
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Valore Wireless Speaker (BTS-78N)
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Andrea Calek Babiole 2013
Regular price $68.00
Limited quantities of this mythological, curious and rather fascinating character's very natural wines from his 2012 and 2013 vintages have been ageing judiciously for a number of years in importer Travis Tausend's treasure trove of a cellar.
Syrah and grenache are fremented stem on in plastic vats resulting in a funky blend that's robust and earthy, almost clay-like. It's all lively, energetic, crunch.


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In the ongoing battle between President Donald Trump and the media, Americans are having a hard time picking sides.
A new poll has found that while most Americans don't trust President Donald Trump, they trust the media only slightly more.
In a survey conducted by HuffPost and YouGov, it was revealed that just 36 percent of Americans say they have a great deal or a fair amount of trust in the White House. A far weightier 54 percent claim they have little or no trust in Trump's administration.
The media, on the other hand – or Public Enemy No. 1, if you ask the president himself – hasn't earned much in the way of public trust, either. Just 39 percent of Americans said they trust the media at least a fair amount, while 52 percent said they trust it not very much or not at all.
Only one-tenth of the public has at least a fair amount of trust in both the White House and the media. One-quarter trust the Trump administration but not the media, while 28 percent trust the media but not the White House. Twenty-four percent has confidence in neither.
Among Americans who voted for Hillary Clinton in the November election, 77 percent have at least a fair amount of trust in the media, while that figure is a mere 12 percent among Trump voters. Similarly, 79 percent of Trump voters – but only seven percent of Clinton voters – have that much faith in the White House.
When it comes to Trump's portrayal in the media, 10 percent of Americans think coverage of the president is too positive, 37 percent say it's too negative, and 34 percent say it's just right.
Almost half at 46 percent think the media wants Trump to fail, while 26 percent say the media is neutral and just eight percent believe the media wants him to succeed.
The survey consisted of 1,000 interviews conducted between May 11 and 12 with U.S. adults, using a sample taken from YouGov's opt-in online panel to match the demographics and other characteristics of the adult population in the U.S.
h/t HuffPost