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The Highlands Condo Group epitomizes style and are ideal for families,
sharing with friends or co-workers. Upscale 4 & 5 bedroom units,
with expansive views of the golf course and slopes. Some offer extra
amenities, a minimum of 3.5 baths and 1 garage.
Are you interested in this specific Highland II Condo?
Call 716-355-4141 x 7154 to check availability.
Book Now!
Every Friday and Saturday night in the Regency Pub! Check out the live music schedule on the event calendar.
Great drink specials and unique creations from our small plates menu. Sunday-Thursday 7-9pm, Friday 8-10pm at the Regency Pub.
Are you up for an adventure? Check out the Peak's new Aerial Adventure Courses!
We have lots of positions open at Peek'n Peak. Visit our employment page to view employment opportunities!


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NPGP Compendium Infographic Anyone?
May 14 2009 | Rise Above Plastics,
by scott harrison
So, again Compendium Infographic anyone?
Protecting Oceans, Waves and Beaches since 1984
May 14 2009 | Rise Above Plastics,
by scott harrison
Ask the US Senate to reject dirty water amendments attached to funding bills
Please urge the Department of Interior to cancel proposed seismic surveys!
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Summer's nearly over and it's the start of the 2014/15 graduate recruitment cycle. Traditionally graduate employers start their recruitment drives in the autumn term, but more and more now start in late summer. These will mainly be the larger recruiting companies with graduate schemes, particularly in the finance and law sectors and for the Civil Service Fast Stream (applications open 1 September 2014 for this, with one closing date being 30 September!).
There are a host of online vacancy sites, many of them listed on our Graduate vacancies information sheet (see www.york.ac.uk/careers/infosheets for this and other titles to help you with applications and interviews). Other resources, such as www.graddiary.com, can help you keep a check on when recruitment opens and closes for a range of companies, and organise your applications' timings.


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Seán F. LemassArticle Free Pass
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- Seán F. Lemass - Student Encyclopedia (Ages 11 and up)
(1899-1971). Irish patriot and politician Sean F. Lemass served as taoiseach (prime minister) of Ireland from 1959 to 1966. He helped pave the way for Ireland's eventual entry into the European Economic Community (EEC; later the European Community, embedded in the European Union).


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The beautiful goddesses of AfroPunk
America is some fucked up dystopian shit honestly like how are y'all even surviving? Paying for healthcare? $60,000 on tuition? POC getting shot in Wal-Marts? White men shooting up elementary schools? That's terrifying I'm worried about all of you
*national anthem plays menacingly in the background*
the year is 2267. mankind has achieved beyond light speed capabilities and has risen to the center of a thriving intergalactic community. despite all these achievements, the tumblr video player still does not work.
"Are you a Sailor Scout?"
"I'm sailor Freddy Mercury."
He called on parents to take responsibility for their sons' actions, saying parents must teach their sons the difference between right and wrong.
"When we hear about these rapes our heads hang in shame," Mr Modi said.
"Young girls are always asked so many questions by their parents, like 'where are you going?'. But do parents dare to ask their sons where they are going?" he asked.
"Those who commit rape are also someone's sons. It's the responsibility of the parents to stop them before they take the wrong path," he added.
Okay, say what you want about him, but this is a big deal. This is Prime Minister Modi's first Independence Day address since being elected. And instead of using this time to talk about Pakistan, like every other Independence Day speech in the past, he stood up there and talked about INDIA's need for improvement. And amongst his topics, he talked about rape.
And he didn't describe it as "accidental" or "boys making mistakes", and he didn't state that women need to "dress more dignified", all of which have been said by other Indian politicians. For once, we're hearing someone put the blame on the rapist, and actually calling out parents to raise their sons properly. Like everyone else, I'm still hoping Modi isn't another PM who is all talk.
holy fucking shit i'm so sick of seeing this post with the credit taken off it
it's a series by Tammy Rae Carland titled Lesbian Beds and deals with representation and intimacy really well and you're stripping it of that just for your ~aesthetic~ holy fuck
We teach girls to shrink themselves, to make themselves smaller. We say to girls, 'You can have ambition, but not too much. You should aim to be successful, but not too successful. Otherwise you will threaten the man.' Because I am female, I am expected to aspire to marriage. I am expected to make my life choices always keeping in mind that marriage is the most important. Now marriage can be a source of joy and love and mutual support. But why do we teach girls to aspire to marriage and we don't teach boys the same? We raise girls to see each other as competitors – not for jobs or for accomplishments, which I think can be a good thing, but for the attention of men. We teach girls that they cannot be sexual beings in the way that boys are.
The first thing I favourited


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Local bar in sweden with some music and people talking,and after a while alittle soundcheck.
thanks ofr making this public domain.
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Copeland News
Local news for Copeland, FL continually updated from thousands of sources on the web.
Mar 31, 2014 | CBS Local
Local & State Leaders To Talk About Solving Community Problems
Community leaders will come together Monday night to talk about ways to solve community problems including police-community relations, out-of-school suspensions and juvenile justice.
Calendar: Outdoor activities in Southwest Florida
Thursday * Biking the Refuge Tour Bike enthusiasts, bring your bicycle and join a naturalist on the Wildlife Drive/Indigo Trail loop to learn about the refuge's bird life and ecology.
'Walking the water' in the Everglades
The swamp walk season is dependent on weather conditions and alligator mating habits; months given below are based on past seasons.
Copeland News, Events & Info
Updated: Mon Mar 31, 2014 02:05 pm
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Welcome to the Nixon Library Web site.
Contact us with suggestions or comments.
Follow the links to visit the Richard Nixon Foundation Web site and to plan your next Special Event
On August 21, 2013, the Nixon Library opened the final installment of 94 White House Tapes, as well as formerly restricted and unprocessed textual materials.
White House Tapes
The final installment of 94 tapes cover the period from April 9 – July 12, 1973, and cover discussions of foreign policy issues including: implementation of the Vietnam peace settlement and the return of Prisoners of War (POWs); tensions over Most Favored Nation tariff status for the Soviet Union; and the historic 1972 "Soviet Summit" between the United States and the U.S.S.R. Domestic conversations include Presidential appointments and personnel management, energy policy, wage and price controls, campaign finance reform, Wounded Knee, and Watergate.
Listen to the newly released tapes
Listen to sample foreign policy clips on the Nixon Presidential Library and Museum's YouTube Channel
Textual Records
This opening includes the release of approximately 30,000 pages declassified, in whole or in part, under systematic review. They cover national security issues including: U.S. intelligence analysis of Vietnam; Ambassador Ellsworth Bunker's negotiations with South Vietnam President Thieu; Henry Kissinger's meetings with Chinese leaders in advance of President Nixon's February 1972 trip; and U.S. policy toward Latin America. They also contain some National Security Council files, Kissinger's office files and transcripts of his telephone conversations, and the President's Foreign Intelligence Advisory Board records.
Office files of Special Assistant for Urban Affairs John Price and Staff Assistant Barbara Franklin comprise the bulk of the newly released textual records. Franklin was hired to recruit qualified women for high-level government positions, and her files outline her efforts. Price's records include correspondence with Ken Cole and John Ehrlichman on domestic policy and document his work with Daniel Patrick Moynihan on welfare reform and the development of the Family Assistance Plan.
The textual materials also includes the opening of 57 additional Alphabetical Name Files.
See a representative sample of these newly released documents
Guide to Holdings
The Library completed a comprehensive guide to its processed and unprocessed holdings.
View the Guide to Holdings
Oral Histories
The Library has posted online transcripts to 75 previously available oral histories.
See a list of all oral histories, with links to transcripts
Former Nixon Aide to Discuss 1983 Interviews with the 37th President
Wednesday, August 27, 7 pm
In 1983, former Nixon White House aide Frank Gannon sat with President Nixon for 36 hours of some of the most substantial and candid interviews he ever gave on subjects covering his entire life and career.
Hear Gannon discuss this remarkable interview for the first time with LBJ Presidential Library Director and Presidential Historian Mark Updegrove when they talk about the project and the excerpts in which President Nixon discusses his final days in the White House.


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We stayed at the Cremlyn Farm for two nights in early June as the start of our weeks tour of North Wales. The accommodation was spacious and very comfortable, with the farm setting being in a very peaceful and tranquil location we had an excellent nights sleep on both nights. Our hostess, Annwen, cooked us delicious breakfasts each day which... More
- Official Description (provided by the hotel):
- A working farm located in the peaceful countryside, ideal for a relaxing family break. Large spacious rooms with traditional decor. A large comfortable lounge. Excellent breakfast made with local produce. Located centrally to all amenities including walks, beaches, restaurants, castle, golf and fishing and children's playing area. Croeso!! ... more less
- Also Known As:
- Cremlyn Farm Beaumaris, Wales


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West Price Hill mother of 3 may be homeless for the holidays
A mother of three in West Price Hill may be without a home when the holidays roll around.
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Currently at version 0.7.1, Brasero impresses with a simple layout and an intuitive interface. The left panel contains a file browser from which you can select the files/folders which you want on your CD, and in the right panel you can visualize what files are to be written. Of course, for ease of use, you can drag and drop files from the file browser to the right panel. You can toggle the side panel using F7, and hide it if it stays in your way.
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Discorsi e dimostrazioni matematicheElsevier Science 2013; US$ 93.95
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The subject matter in this volume is Schwarz's lemma which has become a crucial theme in many branches of research in mathematics for more than a hundred years to date. This volume of lecture notes focuses on its differential geometric developments by several excellent authors including, but not limited to, L. Ahlfors, S.S. Chern, Y.C. Lu, S.T.... more...
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In this title, the author, who with Spencer created the theory of deformations of a complex manifold, has written a book which should be of service to all who are interested in this by now vast subject. more...


text: How the Assetz Finance Spanish Mortgage Department can assist you (pages 1-3) This section provides information on the service offered by the Spanish Mortgage Department and how you can make the most of it. Feedback received from past clients (pages 4-7) Answers to FAQ's on Spanish Mortgages (pages 8-17) Our Finance Consultants have pulled together all of their knowledge and expertise in their specialist field in order to compile a list of frank, honest answers to FAQ's on Spanish Mortgages. We feel it is very important to ensure that all our clients have a thorough understanding of the process that they are about to embark on and therefore urge you to read this section. If you have a question that is not answered in this section please do not hesitate to contact us. Appendices: Documentation required to support your application (pages 19-22) Explanation of our fees (page 23) The Assetz Finance Mortgage Fee Form (pages 24-25) The Assetz Finance Mortgage Questionnaire (pages 26-29) As soon as you call or email the Spanish Mortgage Department you will be allocated your own personal Finance Consultant. They will assist you with choosing the smartest finance solution for your purchase. This sourcing service offered by our Finance Consultant is free of charge and you are under no obligation. The Assetz Finance Spanish Mortgage Service is available to clients buying through the Spanish property specialists, Assetz Spain, or any other Estate Agent. The Smartest Finance Solutions Free, Impartial Advice from Trained Specialists Free General Introduction to Spanish Mortgages Free Calculation of Budget and Affordability Guaranteed Mortgage Offer Once you have decided that you would like to apply for one of the mortgage products that your Finance Consultant has sourced for you, they will work with you and guide you through the whole mortgage process step-by-step. They will also liaise with the different bodies involved in your purchase on your behalf (your estate agent, your lender, the legal advisors…). This mortgage application service was designed to generally make your life easier and make the Spanish mortgage process straight-forward and worry-free. There is a small fee charged at this stage to cover all of the time and resources used to provide this service. This is explained in more detail in Our Fees Section (page 23). Peace of mind as everything is taken care of for you Due to our reputation and volume of mortgage referrals, Assetz Finance can obtain the most competitive rates and terms on the market in overseas mortgages. What's more, we guarantee to secure a Spanish mortgage for you so you can relax in the knowledge that your finance if being taken care of for you. However, Assetz Finance is not a standard mortgage broker, as our service does not simply end with sourcing the mortgage product. We also assist each client throughout the whole of the mortgage process from start to finish. We have put in place this very comprehensive and unique service based on our past experience of how best to assist non Spanish residents and non Spanish speakers in obtaining a Spanish mortgage offer and can be broken down into 4 steps as outlined below. -1- Step 1 : The Mortgage Pre-approval Form. The first step is to check that you fit Spanish lending criteria and establish your budget. You will need to complete our Mortgage Pre-approval Form and then email it to email@example.com. You can find a copy of this form at the end of this Guide or we can email you a word version on your request. We will then use the information given on your mortgage form to check that your circumstances fit Spanish lending criteria and to establish your budget. This type of pre- approval is essential and we urge you to complete this stage as early on in your purchase as possible. Step 2 : Details of Mortgage Solutions Your Spanish Finance Consultant will then email you full details on the mortgages available to you on your intended purchase. If you do not have a property in mind, your Finance Consultant can provide details on mortgage solutions that would be available to you given your budget so that you are then in a position to look for a property that will match this. Step 3 : The Mortgage Application Once you have decided to apply for a mortgage with the assistance of your Spanish Finance Consultant you will move on to step 3. You will be provided with all of the necessary forms and instructions. For the supporting documentation that you will need to provide please see pages 17-20 of this Guide for a full description and a check list to help you. Instead of submitting these forms and supporting documentation directly to the bank, you will be invited to send them to your Finance Consultant who will: compile them in the order preferred by the lender, annotate them if necessary in order to explain any elements of your application further, include a covering letter in Spanish on your behalf to make your application as clear as possible to the lender, take a copy of all documents to be used as a reference if the lender questions any of these papers, present the file in its most favourable light, send them to the lender by express delivery to ensure that your documents are secure and are delivered with no delay (usually within 24 hours). Your Spanish Finance Consultant will have every angle covered for you so that you have peace of mind and can concentrate on the "niceties" of purchasing in Spain. (NB: Only once your Finance Consultant has received all of the required paperwork can they make the application for you.) -2- Step 4 : The Follow up of the application and miscellaneous tasks Your Finance Consultant will liaise with your chosen bank to find out their decision as swiftly as possible or to provide them with any further information or documentation from yourself that your lender requires in order to process your application. They will also speed up the processing of your application if necessary. Once your mortgage has been accepted and your offer sent out to you, your Finance Consultant will: Put you in contact with your bilingual relationship manager at the bank in order for you to discuss their offer. Help you to set up a Spanish bank account (it is compulsory that your Spanish mortgage payments are paid from a current account opened with the Spanish bank), Help you to set up any life insurance or buildings/contents insurance that you require, Indicate when and how to transfer funds into your Spanish current account, Inform you of the next stage of the buying process, now that you have finished the mortgage stage you will be proceeding onto the next stage, Liaise with your lender in the future by providing you with the Customer Service contact details of your lender so that you can continue a satisfactory relationship with them. Our optional Purchase Assistance Service Past feedback has told us that clients often struggle with purchasing a Spanish property and most are unfamiliar with the legalities associated with it. To respond to this, Assetz has launched a "Purchase Assistance Service". If you think you would be interested in us fully assisting you with your property purchase, please check our fees section for more information on how we can do this for a small additional fee. -3- To get an idea of what past clients have thought of the Assetz Finance Overseas Mortgages Services we have given below a variety of the different comments that we have received from past clients. If you would like to see the feedback form in its full format or would like to speak to one of our past clients we would be more than happy to organise this for you. Were you happy with the level of service you received from Assetz Finance? Responses and comments: I was delighted with the level of service I received. Absolutely excellent. I've been amazed at the attention to detail and the ability to keep me informed every step of the way. Very happy. They were always there to help which was quite often! Yes - extremely happy. I haven't been the easiest customer to deal with and realise that trying to track me down across time zones has been challenging. However, all of the people I've dealt with have been first class and have really gone the extra mile to try & made things easier for me. In general yes but the amount of paperwork involved is pretty immense. Very happy – Assetz Finance made what could have been a very daunting task comparatively easy and kept me on the right track throughout the process. Yes it was excellent- helpful and very responsive Yes, I thought your group was very organized. I was extremely pleased with the level of service that I received from you all of the team. Absolutely. Very prompt in everything, you kept in contact with sound advice. Yes, definitely Generally very good but felt very rushed at times. Yes, the whole process went very smoothly and we were given good advice. Yes. Very quick turnaround to questions raised and the purchase was seemless thanks to this. Everything was completed within the expected timeframes and relevant introductions made for bank accounts, mortgages and notaires. Yes, I thought the level of service was very high and also felt I could approach Katy with any questions. Excellent, fantastic could not have been easier! -4- Did you consider the fee good value for money considering the service you received and the time and worry this assistance saved you? Response and comments: The mortgage service fee was good value for money. The range of mortgage options I was given, and the advice in relation to these mortgages was very helpful. The Fee was very good value indeed. Yes I think so - for me it was worth paying the fee to have someone else do the ground work for me. Excellent value, especially as the service is still on-going several months after having signed up. It is difficult to imagine completing the whole process so smoothly without the expert help of the Assetz Finance mortgage service. Very good value – in actual fact I think you could charge a slightly higher fee and still offer good value for money. Possibly, although I expect Assetz Finance receive a commission from the mortgage provider, so it would depend on that before I could answer. For my particular case it was worth the cost. The mortgage fee was definitely good value. The fee was excellent value for money. Again yes it was, there was more paperwork involved than I first anticipated and I needed all the help and advice you gave! Yes for peace of mind and simplicity and de stressing the situation. I think it's worth more. I have paid a higher mount for other purchases with nowhere near the level of service. I guess so!! For us it meant taking the hassle out of the purchase process when ultimately we were going at it blind and we put our total trust in the team who were always willing to answer our questions. I considered the fee as money well spent considering the quality of service received. Yes as it is a good service but then if you have not already used it you would not know it so the fee could seem expensive. Yes, I found your assistance very beneficial in light of the bureaucracy involved with the mortgage process. Nothing to compare it with. Yes, it was appropriate for the level of service and assistance we received as first time buyers. However, for people who have already been through the Spanish mortgage process, I think the fee should be reduced, as less assistance will probably be required. Yes, considering the level of service that you provide. Interesting. The fee was not prohibitive when I made contact ie asked for your help, and once experienced I would not hesitate in paying again. Whether it would put people off initially, without the positive experience I don't know. On my experience it seems fair but it does sound a big figure if you don't know what is entailed. -5- I would definitely agree - I have bought through another company and paid a lot more with the individual fees. I considered this very good. Value indeed; the idea of having a centralized comparison service is very useful for time saving, although it would be more useful to give more information on the different products that you are potentially recommending or links to web sites for further research for those clients who wish to compare closer. Yes, for someone who does not know the Spanish mortgage system using the Assetz Finance service is well worth it. Would you recommend Assetz Finance to a friend? Responses and comments: Definitely. Yes. Already have done. Absolutely, already have to many. Yes, I already have. Without hesitation and I have already done so Absolutely. I would recommend the professionalism and interpersonal business skills exhibited by Katy. I have found dealing with you and your team to be refreshing and a real pleasure. Yes. I have done so already, but they haven't bought anything yet. Absolutely! Could not have completed the purchases without your assistance. I would definitely recommend your services to anyone looking to purchase property overseas with finance. Yup..and have Certainly Yes, definitely I have already done so. Is there anything that you think Assetz Finance could do to improve its service? Responses and comments: Everybody I have dealt with have all been fantastic and at the moment I can't think of one thing they could do differently ... unless Assetz would consider paying all its clients deposits and mortgages? No?! I wonder if some kind of Internet portal - with forms, guidelines, inventory of work already done etc etc. might be useful. -6- Nothing major - maybe a slightly quicker response time to emails. All in all though an excellent service. Keep it up! Off hand, no. My experience dealing with the team is the underlying reason I would recommend Assetz Finance. They are a great asset to your company. Nothing I can think of. No just keep doing what you are doing – excellent service. I can't really think how, everything we required was dealt with very efficiently- keep up the good work. Yes. What helped us enormously though was being able to communicate through email. I think if we had just talked on the phone I would have forgotten half of what was said, but being able to read through things again was a big help and much appreciated. What you do is help with the overall deal ie contract advice as well as just finance. I found this and Katy invaluable. I didn't use a lawyer as it was a new build, so katy's help was outstanding. I would suggest that you shout about this element of what you do. It's more than just finding a lender. Offer a translation service - ie all docs and correspondence comes through you - I would be happy to pay in sterling for that service. -7- A FAQ section with a difference! This section exposes any potential pitfalls, addresses misconceptions that have developed in the industry due to false advertising and gives a truthful account of everything we can think of that you need to know. Assetz Finance does not work exclusively for one lender and can therefore offer completely impartial advice. Our policy, not only includes being impartial, but also focuses on approaching the topic of Overseas Finance honestly. We do not want you to miss out on the great interest rates offered by overseas lenders and the advantages of overseas finance because you don't speak the language, are unfamiliar with the process and therefore nervous of taking on the unknown. Our bilingual and experienced mortgage departments will provide you with all of the advice and assistance you will need to eradicate this feeling of anxiety and enable you to confidently embark on making the most of these advantages. Our first piece of advice is to read as much honest and frank information as possible on the subject starting now… Can I actually afford a Spanish mortgage? We always analyse your current financial situation for you at the very start of the process. We do this before going into too much detail about the types of mortgages available in Spain. We do not advertise "85% LTV mortgages" or "pure interest-only mortgages" or any other mortgage products that are available overseas but only to a very small number of clients due to the harsh lending criteria used for these products. We would only discuss these products with you once we have fully analysed your current financial situation, your intended purchase and therefore ascertained that these products would be realistically available to you. We will advise you honestly on the amount of mortgage that would be available to you from a Spanish lender, what the true interest rate you are likely to be offered and under what terms given your financial situation and intended purchase. We will advise you on the affordability criteria used by each bank and advise you which lender you would be best to apply to given the criteria they use and your financial situation. All of this advice and consultation is free of charge. -8- But wouldn't it be simpler to just take a loan with my own home bank? Quite honestly, perhaps! Your home bank speaks your language and you are used to their procedures. Some investors and purchasers of overseas property do find that this is the best route for them and in some cases it may be their only route if their circumstances do not allow a foreign mortgage. Assetz Finance is here to listen to your requirements and to guide you in the right direction in order to optimise your purchase. Assetz Finance also provides a UK mortgages and loans service and can therefore assist you if you decide that this would be the better route for you. Moreover, we can also provide Spanish mortgages (secured on your Spanish property) in Sterling if you think this may be more suitable for you. As you will probably be aware, there are a number of Spanish subsidiaries of UK high street lenders now offering Euro mortgages secured on Spanish property. These Spanish subsidiaries run marketing campaigns to the UK general public using their UK branding and reputation. However, they actually use Spanish mortgage rules on affordability and procedures for applications identical to their Spanish counterparts and bear little resemblance to their UK name sake. For this reason it is best to compare the products available through the Spanish subsidiary of your UK high street lender with those available through all the other lenders on the Spanish market. You may find that a very Spanish sounding bank offers a more flexible approach or a better deal for your particular purchase than the Spanish branches of the well known names. It can be time consuming looking through all of the products offered by all of the various lenders in order to establish which is the best for and so Assetz Finance does this for you. Once you have established that Spanish finance is the best route for your purchase, Assetz Finance can ensure that you understand the procedures used by Spanish lenders and have all of the bilingual assistance you need. It would be such a shame to miss out on the low interest rates available in Spain. With Assetz Finance assisting you throughout the whole process, you won't have to and applying for a Spanish mortgage won't be as daunting or as difficult as it may seem at first. In fact, we have found that Spanish Mortgages are relatively easy to secure and are not convinced that UK mortgage applications could be deemed as "easier". We just need a bit of your time, as for example, we need you to complete forms in your handwriting and sign them as we cannot do this for you as they would not then be legal. We have found that it is only if purchasers of Spanish property attempt to secure such a mortgage without the help of a bilingual expert that it may become more complicated than if they had applied for a UK mortgage. -9- How long is it all going to take? Will it slow down my purchase if I have to apply for a mortgage? Applying for a Spanish mortgage should never affect the date at which you can sign the title deeds to your property. At Assetz Finance, we are fully aware of the timeframe and deadlines of the purchase process and can liaise with the agent that you are using whether it is Assetz Spain or another agent in order to make sure we keep to these deadlines. As long as you provide all of the supporting documentation and forms to your Finance Consultant initially, you will be able to secure a Spanish mortgage offer in 2 weeks. Wouldn't I be better off applying to the Spanish bank myself or going to another mortgage broker who do not charge a fee? Assetz Finance feels that its service speaks for itself and more than justifies the fee charged. The comments that we have received from past clients have confirmed this further (see pages 4-7). If you were to go to the Spanish bank directly you would not be able to benefit from the rapport that we have built up with our lenders that enables us to speed up applications and negotiate any problems. As we have experience in applying for Spanish mortgages, we know exactly how it works, how to put forward the best application to the bank on your behalf and how to guarantee that the bank give you the best offer possible. You would of course also have to spend the time to contact each individual bank to see what deals they offer rather than have your Finance Consultant take that task off your hands. But couldn't I find a better deal at a bank that you do not use? Over the years we have researched the mortgage packages offered by all of the Spanish banks that offer mortgages to non-Spanish residents and the reason we do not work with certain lenders is that we have found that their packages are not best tailored to our clients. We will however research into any lender you would prefer to use to ensure for definite that their package is not better tailored to your needs. We are not tied to any one bank so we can always work with new banks if we do find that they have a good package to offer our clients. What can't you do for me? Unfortunately, we cannot of course compile all of the paperwork for you. We do rely on you putting in the work to find all of your important documents. We also cannot control the mortgage products of the banks or any changes to them. If the lender decides to change their rates or conditions during the time that they are processing your application we cannot stop them from offering you a mortgage that differs from the mortgage we proposed. However, we do put you in touch with your bilingual relationship manager at the bank so that you can discuss the mortgage package that they have offered - 10 - you in order to establish if it differs from our proposal, and if it still meets your requirements. We are sure that you appreciate that it is normal that, as a mortgage service, we do not assist with the above two points. We are sure that you will agree that our service is extremely comprehensive and provides you with everything you need. We are however honest and therefore we do not promise you that we can do these above two points when in fact it is impossible for a mortgage broker to do so. Can I use the Assetz Finance Spanish mortgage service if I am not purchasing a property through the Assetz group? Assetz Finance offers its Spanish Mortgage Service to all clients whether purchasing with the Assetz Group or with any other Estate Agent or Developer. As long as you provide us with your Agent's contact details we are able to liaise with them on your behalf. How exactly does the mortgage process work in Spain? The mortgage process in Spain differs slightly to that in the UK, Ireland, America or Canada but Assetz Finance will guide you through the entire process, so there is no need to worry. Here is an introduction to what you can expect, and how we can simplify the process for you. In Spain, you can apply for an agreement in principle quite easily from some lenders (but not all) and this can even be done by email. You just have to complete an application form, scan it and email it to your Finance Consultant. From this we can secure you a decision in principle. This can be done prior to reserving a property if desired. Once you have signed preliminary purchase contracts (and usually paid a small deposit) you will need to make a full mortgage application by your chosen lender. The lender will normally take up to 2 weeks to process this full application. During this time the lender will make his reference enquiries (with your home bank, employer, accountant etc) if any, and carry out any credit checks. Once they receive all references and checks back and have carried out a valuation of your property or floor/site plans, they will be able to send you their offer letter stating full terms and conditions. Once your application is accepted and your mortgage offer is sent to you, your Finance Consultant will help you understand your offer and guide you on how to accept it. As well as setting up the mortgage, Assetz Finance can assist you with setting up the obligatory current account with your lender and any insurance policies (life insurance if you wish, plus the obligatory building and contents insurance). Once your lender receives your accepted offer, and you have opened your current account, you will be ready to proceed with finalising your purchase. - 11 - How does the mortgage process work when buying off- plan property in Spain? Spanish lenders are only able to release the funds from your Spanish mortgage once the property is completed. So you will require UK funding to pay for any stage payments required during the construction of the property. Our UK mortgage advisors will be able to arrange a UK re-mortgage or loan for you to pay these stage payments. They will liaise with your Spanish Finance Consultant in order to ensure that you will not alter your affordability for a Spanish mortgage on completion because of this extra borrowing in the UK. You will only need to apply for your Spanish mortgage about 3-4 months before the property is due to be delivered to you (and your title deeds signed). Then once the property is delivered and this Spanish mortgage is released to you, you will be able to cover your last stage payment, all of the purchase costs and taxes and perhaps may even have a sum left over for your use. What is the advantage of using a Spanish mortgage to finance my Spanish property? Firstly, lower interest rates than in most English speaking countries! By using a Spanish mortgage to finance this purchase it leaves you with the possibility of buying something else with the equity or funds available to you in the UK. If you borrow in your domestic currency, when you come to converting the funds into Euros, the conversion costs involved for the entire purchase of the property may be expensive. If you want to let out your property for income, you could set the Spanish mortgage interest against the Spanish rental income for tax purposes, which is particularly beneficial for Higher Rate tax payers. The loan interest from any domestic loan or re- mortgage could not be set against your Spanish rental income in the same way. It may be wise to consider the risks of increasing domestic borrowing as compared to taking out a new mortgage in Spain. By re-mortgaging your main home you may increase the risk of losing it at a time of unforeseen financial difficulty, whereas with a new mortgage on a second home, your main home remains safe. There are risks involved with all types of borrowing, home and abroad, and you have to opt for what you feel most comfortable with. Assetz Finance is here to help you feel at ease with borrowing in Spain and therefore help you benefit from all the above advantages of a Spanish mortgage if you desire. However we can also assist purchasers who, despite the advantages of Spanish mortgages, would prefer to raise the finance in the UK. What is the maximum amount I can borrow? In Spain, lenders calculate how much you can borrow differently to UK, Irish or American lenders, and this can vary greatly from lender to lender. Although some will use income multiples, most of them base affordability on what is called "debt to income - 12 - ratio". This ratio should not exceed 35, 40, or 45%, depending on the lender and the product required. In plain English, this means that your monthly payments for the prospective Spanish mortgage, plus all of your current monthly financial outgoings should not exceed 35, 40, or 45% of your NET monthly income. By financial outgoings we mean debt servicing, so mortgage/rent, any car loan, bank loan, HP loan, child maintenance payments etc. By NET income we mean all employment income, pension income, investment income and rental income (both present and future) after tax. Not all the lenders will normally be able to take future rental income into account for their "debt to income ratio" calculation. You do not need to worry about calculating your own debt to income ratio, or your maximum budget for your purchase, as your Finance Consultant will do this for you. Figures given in your application for your NET income must be supported by the applicable documents. For example, self employed borrowers would have to show their last audited company accounts and personal tax return, and salaried borrowers would have to provide their last p60 and /or their last 3 pay slips, depending on the lender. If you are buying the property with another person, the mortgage application must be made in both names and both purchasers must provide all of the necessary documentation. In terms of the debt to income ratio, the calculations are exactly the same and use joint net income and joint outgoings. Each borrower's personal situation varies and the debt to income ratio calculation therefore does not apply to the letter for all purchasers of Spanish property. For example, if your outgoings are low, but you are currently spending nothing on accommodation, then lenders may allow room for this when calculating your debt to income ratio. An example would be if an applicant had £500/month to spend on a Spanish mortgage according to the criteria above, but was living in their partner's house which was fully owned and paid for by their partner, and the applicant was not paying any rent. In this case, a Spanish lender may question the security of the arrangement, and allow room in their calculations for any potential living costs the applicant would incur if they were to move out. The amount available for the Spanish mortgage may therefore be reduced to around £200/month, for example. For high net worth borrowers or borrowers providing a deposit of more than 40%, the debt to income ratio used is slightly more flexible. Please contact Assetz Finance on 0845 400 8000 if you wish a Finance Consultant to calculate your debt to income ratio, budget, likely loan to value and term. What different types of mortgage packages are available to me? The mortgage products available in Spain vary depending on the borrower's circumstances and requirements. Your Finance Consultant will be able to source the best mortgage deal for your particular circumstances once you have completed and sent them your Pre-Approval form. - 13 - How will I pay my mortgage? Most Spanish mortgages are paid monthly. Each month the lender will withdraw the mortgage payments from the current account that they have opened for you or that we have opened for you with another bank if your lender does not offer current accounts. We can calculate approximate monthly repayment amounts for you for the different mortgage products available to you to give you an idea of your outlay each month. What costs are involved with a Spanish mortgage? The Assetz Finance Mortgage Service Fee All of our advice, assistance and simulations are free of charge. However, once you have decided to apply for a mortgage through our service we do charge an up front fee. As we are confident in our ability to secure a Spanish mortgage for you we do not feel that we need to wait before charging you. We have found from past experience that clients have preferred to pay the fee up-front so that it is done. To our knowledge, there is no other company in the market offering as comprehensive a service as Assetz Finance without charging a fee of some type. This is because the commissions received by brokers from overseas lenders are very minimal and cannot cover all the time and resources required in order to be able to offer the type of high level of service that we do. Our non-charging competitors are subsequently unable to offer the amount of time and assistance that our services involve. In comparison to other overseas mortgage brokers that charge a fee, we have found that Assetz Finance consistently charges less. We are sure that once you have used the Assetz Finance mortgage service you will agree that this fee is extremely reasonable. In fact, you can read comments from our past clients which confirm that this has been the case for all our clients in the past on pages 4-7. For details of the Assetz Finance Mortgage service fee please see page 23 of this Guide. The lender's fees Valuation fees All lenders charge a valuation fee up front. They need to carry out the valuation before they are able to offer you a mortgage. If you decide not to proceed with your purchase for any reason or if your application is refused, Spanish lenders will normally refund the valuation fees, if the valuation has not already been carried out. It is very rare for a Spanish lender to refuse an Assetz Finance applicant as we will have checked that you fit Spanish lending criteria and will advise you if you are likely to be unsuccessful in order to avoid you making an application and paying these fees unnecessarily. Arrangement Fees Most lenders will also charge an arrangement fee either once you accept their offer or when they release the funds from the mortgage. These fees will normally be withdrawn from your Spanish current account automatically. - 14 - The arrangement fee is normally between 1% and 2%. However, Assetz Finance has negotiated with all its lenders to insure that whenever possible you never pay more than 1% of the mortgage amount. Please be wary of any broker that informs you that the mortgage arrangement fee is 2%, as the brokers are often paid by the lenders and this is why brokers sometimes do not negotiate the arrangement fee down like we do at Assetz Finance. Mortgage related legal fees Spanish mortgages have legal fees associated to them; these are: - Mortgage stamp duty: this is approximately 1.8% of the mortgage amount, and is payable to the Spanish tax authorities. - Mortgage land registry, notary and agency fees. These normally add up to approximately 1.5% of the mortgage amount, and are paid to the notary. Other Transaction Costs At this stage you may have been informed of the taxes and costs that buying a property in Spain has (excluding the mortgage costs). The fees associated to the purchase of the property are: - IVA for new properties or transfer tax for resale properties, which is 7% in mainland Spain and 6% in the Canary and Balearic Islands. You may have already paid part of this if your property is off plan and you have already paid a deposit in stage payments. - Property stamp duty of 1% for new build properties only. - Property land registry, notary and agency fees. These normally add up to 2% of the value of the property and are paid to the appointed notario in Spain. This notario plays a compulsory role in the purchase of all Spanish property, but does not give any legal advice or assistance with obtaining the NIE number or setting up a power of attorney. For this kind of assistance, which we highly recommend, you will need to appoint your own solicitor. This will come at an additional price. We can recommend UK or local impartial solicitors to you if you require. Our optional Purchase Assistance Service Buying property in Spain involves constant liaising with 4 central parties – the buyer, the seller, the estate agent and the solicitor. Past feedback has told us that clients often struggle with this and most are unfamiliar with the legalities associated with Spanish property purchase. To respond to this, Assetz has launched a "Purchase Assistance Service". This enables me to arrange everything on your behalf, allowing you to deal with a native (English) speaker based in the UK - leaving you more time to relish the experience of buying in Spain. If you feel you would be interested in this service, in addition to our mortgage arrangement service, please let us know when you return your pre-approval form so that we can start working on this for you immediately to ensure that you have all the advice and support you require from the moment you start looking and reserving property. - 15 - The fee for this additional service to give you peace of mind is: - £150 if you request it along with the Mortgage Fee Form - £199 if you decide to request the service after submitting your Mortgage Fee Form. Do I need to travel to Spain or to come to your office to arrange a mortgage? No, we can arrange everything for you over the phone or by email as long as you are able to provide all of the necessary paperwork to support your application by post to our office. However, you will need to appoint a solicitor, who will have the Power of Attorney to sign documents on your behalf. Could we purchase via a Spanish or UK company? If a Spanish company is purchasing the property, the mortgage application must: • be made in the name of the Spanish company • include certain documents regarding the company • give the owners of the company as guarantors and supporting paperwork must be provided by each shareholder of the company. A UK Limited company can also purchase a property in Spain and apply for a mortgage secured on the Spanish property. The lender will ask for personal guarantees and full application details from each shareholder of the limited company, as well as for the company accounts, and the certification of incorporation. The company will also need to open a Spanish bank account, which we will organise for you. Do I need to have a survey carried out? The lender will send their own expert to do a valuation (which is why you are charged valuation fees), before deciding on the mortgage amount and offering a mortgage to you. Your solicitor will advise you if it is prudent given your property type to carry out any further surveys or investigations on the property. If you have a question that is not addressed above, please do not hesitate to contact us directly to speak to one of our experienced Finance Specialists on 0800 400 8000. And what's more, calls will be charged at local rate wherever you may be calling from in the UK and will be charged at normal international rates if you are calling from abroad! - 16 - One last thing to bear in mind…. PLEASE THINK CAREFULLY BEFORE SECURING ANY DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER LOAN SECURED ON IT. WHEN SECURING A DEBT AGAINST YOUR FOREIGN PROPERTY PLEASE REMEMBER THAT: A) YOUR FOREIGN PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON ANY MORTGAGE OR LOAN SECURED ON IT. B) CHANGES IN THE EXCHANGE RATE MAY INCREASE THE STERLING EQUIVALENT OF YOUR DEBT IF TAKEN IN ANOTHER CURRENCY. FOR ALL MORTGAGES AND LOANS, PLEASE BE SURE YOU CAN AFFORD THE REPAYMENTS BEFORE ENTERING INTO ANY CREDIT AGREEMENT. THE FIGURES AND INFORMATION QUOTED IN THIS GUIDE ARE BELIEVED TO BE CORRECT AT THE TIME OF ISSUE, AND ARE SUBJECT TO CHANGE WITHOUT NOTICE. ANY QUOTATION SUPPLIED IS NOT AN OFFER OF A MORTGAGE. IN ACCORDANCE WITH THE DATA PROTECTION ACT 1998 ALL PERSONAL DATA HANDLED BY ASSETZ FINANCE WILL BE PROCESSED FAIRLY, LAWFULLY AND IN THE BEST INTERESTS OF OUR CLIENT. THE INFORMATION AND PERSONAL DETAILS PROVIDED MAY BE DISCLOSED TO COMPANIES WHO HAVE AN AGREED PARTNERSHIP WITH ASSETZ FINANCE AND WHO WILL BE ABLE TO OFFER YOU FINANCIAL AND PROPERTY SERVICES THAT YOU REQUIRE. THESE COMPANIES MAY BE LOCATED IN YOUR COUNTRY OF PURCHASE OR THE UK. PLEASE BE AWARE THAT IT IS A CRIMINAL OFFENCE TO GIVE MISLEADING OR INCORRECT INFORMATION IN CONNECTION WITH A LOAN APPLICATION. SPECIFIC ACTIONS MAY BE TAKEN TO PREVENT FRAUD. - 17 - Spanish lenders are keen to work with our Spanish Mortgage Department because of the way that we organise our clients' applications and ensure our clients submit full, clear and therefore very strong applications. We do not submit half-hearted applications that will automatically be refused by every lender and will waste everyone's time. Our reputation is based on our ability to explain to clients exactly what they must provide within a Mortgage Application, assisting them with providing these documents and then presenting them in a professional manner to our lenders. The mortgage application will be treated quickly and easily if you can provide all of the necessary documentation. You will delay your application considerably if you do not provide these documents. Some lenders require supporting documentation to be certified as true to the originals. For any documents that must be certified, you should take the originals and the copies along to your local bank branch, accountant, lawyer or embassy and ask them to sign, date, stamp and certify the copies. Your mortgage advisor at Assetz can also do this, however we must be able to see the originals which could mean posting them to our office. The contact details of the person who certified the copies must be provided. Some lenders may ask to only certify copies of your passport(s), whilst others may ask you to certify all the documents you are submitting. YOUR NAME MUST CLEARLY SHOW ON ALL DOCUMENTS: LENDERS WILL NOT ACCEPT UTILITY BILLS, P60'S, AND PAYSLIPS ETC THAT DO NOT INCLUDE YOUR NAME. The documents that must be provided with the application will vary from bank to bank and you should therefore use the banks checklist that we will provide you with once you have chosen your preferred lender. As a general guide, Spanish lenders normally require: 1. Personal details All borrowers' passports A recent utility bill/council tax bill. - 18 - 2. Property details A copy of the signed preliminary purchase agreement will be required as soon as it is available. If you are buying through Assetz Spain, they will provide us with a copy of the above purchase agreement if you require. If you are buying through another Estate Agent, you must either personally provide us with this purchase agreement or must give us the contact details of your Estate Agent so that we can contact them and ask them for it. Some lenders may also require a copy of the updated land registry documents (for re-sale properties), or a copy of the first occupation license (if the property bought is new build). 3. Income For employed borrowers Last 2 or 3 months consecutive payslips or /and, depending on the lender, a copy of your most recent P60 (for tax year ending April 2007 if possible, or ending April 2006 if not applicable). For self-employed borrowers, The last 1, 2, or 3 personal tax returns. The last 2 or 3 audited accounts for your self employed activity, certified by your Accountant. A letter from your accountant certifying the amounts on your tax returns. Sometimes but not normally a copy of your latest business current account statements. 4. Financial details The last 1-6 months current account statement(s), depending on the lender, in order to show income paid in each month and financial commitments paid out each month. A credit search will be carried out by most lenders or you will be asked to provide a credit search that you have applied for yourself. Some lenders require the last mortgage statement for the mortgage on your home if any, or the rental agreement if you rent your home. - 19 - 5. Other Some lenders will require a statement from the applicant giving owned property values, amount of mortgages outstanding, monthly mortgage repayment figure, and monthly rental income if any. In some cases a reference letter from your home bank or a letter of authorisation allowing the Spanish bank to contact your home bank may be required. When carrying out any sort of economic transaction in Spain, such as the opening of a bank account, applying for a mortgage or a property purchase, it is necessary to apply for an NIE (Numero de Identificacion de Extranjeros). This can be done via your chosen solicitor or in any of the UK Spanish General Consulate offices, and we can advise you further on this. IF YOU CANNOT PROVIDE THE ABOVE DOCUMENTATION PLEASE LET YOUR FINANCE CONSULTANT KNOW STRAIGHT AWAY SO THEY CAN ESTABLISH WETHER THIS WILL RENDER YOUR APPLICATION UNSUCCESFUL OR WHETHER THERE ARE OTHER DOCUMENTS YOU COULD PROVIDE INSTEAD. MOST LENDERS CAN ONLY TAKE INTO ACCOUNT THE INCOME THAT YOU ARE ABLE TO PROVE WITH THE DOCUMENTATION AS OUTLINED ABOVE. HOWEVER, ONE LENDER CAN OFFER A FORM OF SELF-CERT MORTGAGE FOR CLIENTS WHO DO NOT HAVE THEIR FULL INCOME STATED ON THEIR TAX RETURNS. - 20 - TYPE OF INFORMATION Tick DOCUMENTATION REQUIRED List Personal Details Passport Utility Bill Financial Details Most recent bank statement(s) Credit search Most recent mortgage statement Property Details Preliminary Contract Land registry documents First occupation license Rental agreement Income from Employment Last 3 payslips Last P60 (s) Income from self employment Last 2/3 profit and loss audited accounts Last 1/2/3 tax returns Accountant's letter Latest business current account statements Other Self declaration of property Bank reference letter or signed authorisation form to contact your home bank NIE - 21 - Once you have decided to make a mortgage application with the assistance of Assetz Finance, you will be required to complete and submit the Mortgage Fee Form to your Finance Consultant at the same time as you provide them with your supporting documentation. This is to authorize them to work on your file and charge their up front fee. As we are confident in our ability to secure a mortgage for you we do not feel that we need to wait before charging you. We have found from past experience that clients have preferred to pay the fee up-front so that it is done. To our knowledge, there is no other company in the market offering as comprehensive a service as Assetz Finance without charging a fee of some type. This is because the commissions received by brokers from overseas lenders are very minimal and cannot cover all the time and resources required in order to be able to offer the type of high level of service that we do. Our non-charging competitors are subsequently unable to offer the amount of time and assistance that our services involve. In comparison to other overseas mortgage brokers that charge a fee, we have found that Assetz Finance consistently charges less. We have received feedback from our past clients that indicates that our fee is very reasonable and have given some examples in our feedback section. If you would like to see the original feedback form or to talk to one of our past clients about the service they received please contact us. If in the event that we do not find a Spanish lender who will accept your mortgage application, you will receive a refund from Assetz Finance of the full amount paid up- front. However, Assetz Finance applicants are never refused a mortgage as our Finance Consultants carry out a very thorough pre-approval to ensure that our clients only apply to lenders that will accept their application. If we know that we will not be able to secure a Spanish mortgage for you once we have analysed your financial situation, we will make this clear in the very beginning so that you can start making other arrangements for purchasing your property straight away. And in this case, all of our advice will have been free of charge. - 22 - Please note that if you sign up to our service within one month of submitting a Spanish Mortgage Pre-Approval Form you will benefit from a discount of £100 on our service fee. Therefore if you sign up to our service within one month of submitting the Spanish Mortgage Pre-Approval Form the fees would be: For mortgages of more than 150,000€ - £250 For mortgages of between 75,000€ and 150,000€ - £350 For mortgages of less than 75,000€ - £550 Otherwise: For mortgages of more than 150,000€ - £350 For mortgages of between 75,000€ and 150,000€ - £450 For mortgages of less than 75,000€ - £650 - 23 - O TA E EV S E FR C M R G G S R IE F E O M se os, e b R a z A stH ueN w y od aeGoeSo pr c H zl rv,t kot , hsi,K 5 A r C eh eS 7 D e 85 0 80 : Tl04 40 00 a:85 0 61 Fx04 40 00 w . e . u f ne s z o kin w wastc. / ac y i i tse o ,at reh pn h ot g D pr etf se i neo ok n y gn i e r h s e s g t zn B s n gh f f m Iu oi t S ai M r ae ea m noA stF ac tw ro m i n retscrm a ot g o ewt n oi l e r a nr n pi Ige o rv e l e g f iodro eue e m r ae fr i oe fsedro pr e iS a .ar tpoi f h t n s t s n e d l f e eesr n r ao /ou eti iodro h tb dn.ar o a t pr t l h y f i a ot ncsa iom tn dcm n tnn ref tso e oeIge tpyh u f n ao ri e e o e y ei a c d cr n xetnlae) e t d r t d i f b db cr ( ei a iecpoacss . udr a t tse s n e nal f st i nes nb o eue S ai m r ae sn ah e y f eA zn e s g Ine t dht if iolr udb i se F ac iualtscra pn h ot g fr i n oi pnlf pn he e r a nr n pi f h t s n s t s n o ewtoe fs aeoS ai l dro pr e iS a . f o opoi t eesr n r ao /ou eti tA st i ne n a ot g i I d e I d ntrv eh ncsa iom tn dcm n tno se F ac ad m r aes y f i ao zn g h e rnteue udr a t I intee ne tse ef d sn a l f i e t r oe oscr Ine t dhtwl ob r uddh f . f ei tcnem poe y uc s f ht er o,udr a t I intee ne I d t h I dc eo acl y rpr pr aeo w a vresnIne t dhtwl ob r udd r e a sn a l f h f i e tse. cnr h Iaee ad cet t ee s n cni n adh e m ut e "u f " i a a e e r Iofmt thv r d n acp dhs t m ad odi s n t f a on( e ores to e e s e etn i . sco) l s cm leh oo n o y e a etn wl pl o or uc s) i s uhn r ao a psie e e e lw g n tn i P ae o p tt fl i ( lcr iscos iap tyu pr aewta m c iom tn s os l l y h h f i b s tA et a e a Ete gnN m : ot te i f s tA et nt se pi a as a f z n C n cdtloEte gni oA stS a : ee p et a e n P t u br (a o -a poe y: o o i fl t D vl m nN m ad l N m e:fn fp n rpr ) dr ot poe yi oa o -a poe y: s h t f fl t A des f e rpr (ntn fp n rpr ) pn h o pn nm (yu r uc s gh uh S ai cm ay t c r s f e h n r s r u) S ai cm ay a ei o a pr ai t og a pn h o pn s ut e: pn h o pn s t s as S ai cm ay tu : pn h o pn ade : s s S ai cm ay dr s a e n cn cdtl f ea ec an t pn h o pn: a as h w ei e s N m ad ot te i ot l yrr tgh S ai cm ay or e' e i o y n br w r e ido o p tt oo n etn: o s as n r s qr e e lw g i B r w r dtl( loe o o eir u e tcm leh fl i sco) u nm : Fl a e l a etot tu br B scn cnm e: dr : s A des m i dr : l s E a ades or e' am ndtl o s as B r w r py ete i : aen ad Nm o Cr: ei a u br t d D b cr nm e: t ta r e Sa dt: n dt e Ed a : eui cd (s3 it e ocr : t a gs a d Scry oel t d i r r fa ) s e u bri plal : s f i e I u nm e(apcb ) or es i a rad a o ' g u e B r w r S nt e n D t: a o es i a rad a d d' g u e C r hl r S nt e n D t: l s s n o oe i u r o h or eadh a o e e g h y e h e o e d d. P ae i btbxsfo a btt br w rn t cr hl r T m r ae d is ao f a y ei a ib poesd y se n r tnli t o yu s t n . h g ( e ot g amn t tne pib db cr wl e rcse b A stIe aoaL id n orte et ir i e d t d l z tn i me am ) The Assetz Finance Pre Approval Form PLEASE READ ALL OF THE INFORMATION BELOW VERY CAREFULLY. Please complete and return to firstname.lastname@example.com You will then be allocated your Personal Finance Consultant who will check that you fit Spanish lending criteria and will contact you with information on the mortgage solutions that would be available to you. Please specify if amounts are in € / £ / $. Please complete ALL sections giving as much detailed information as possible and state N/A if the section is not applicable to your circumstances. Please make sure that you give us at least one example of assets that you own (savings/shares/ISA's/bonds…) in the assets section of this form. Please be aware that this is not a mortgage application form. This questionnaire is used by Assetz Finance and our carefully selected partners in order to produce quotations for the best mortgage solutions available on your intended purchase. You will be required to complete an application form and give these details again once you have chosen a lender and are required to complete their forms. Personal details: Applicant 1 Applicant 2 Name D.O.B Place of birth Nationality Your country of residence (for tax purposes) Your home address Tel No. Mobile No. Email address Marital Status If married, date & place of marriage No. and age of dependents How did you hear from us? Internet search, newspaper/magazine article, through friend, etc: Do you require the Assetz Purchase Assistance Service? YES / NO Proposed purchase and required mortgage details: Your Estate Agent name and address The Name and Address of the Seller Name and Address of your Legal Representative Full Property address NET property price (excl taxes) Type of property: Second home/Leaseback/ Farm/ Gite/ B&B… Are you intending to renovate the property? Do you wish to finance the cost of such refurbishment and how much? Is the property habitable? Total deposit available (please specify where this is coming from, ie savings, etc) Are you aware of the purchase costs that will be due on this property transaction and are you aware that it is very unlikely that these costs will be covered by the mortgage? Mortgage amount required Mortgage length required Type of mortgage required (capital repayment/interest only) (fixed/variable interest rate) Income details: If employed by a company (ie you have P60's – or equivalent- and payslips available to prove your income): Applicant 1 Applicant 2 Occupation Occupation since (year) Employer Employer's address Employer's phone number Employed since Nature of employers activity Current annual Gross P.A.Y.E. income (Please break this figure down into salary, commission, bonus, benefits if any) Current annual Net P.A.Y.E. income Amount stated on your P60 that you received in April 2007 (NET) Amount stated on your P60 that you received in April 2006 (NET) Amount stated on your P60 that you received in April 2005 (NET) Any miscellaneous information on past employment background If self employed/free-lance/company owner/company shareholder (ie you have tax returns – or equivalent- and company accounts available to prove your income : Company name and address Business activity of the Company Position in the company and number of employees if relevant Accountant's name & address Company exists since Legal form of the company Your share of the company (%) Annual turnover of the company Annual profit of the company Your NET personal income from the company declared on your 2007 tax return if already available (please break this down by giving how much is paid in salary and how much is paid in dividends if applicable) For 2006 For 2005 For 2004 If retired, please provide income information showing on your pension statements or equivalent: For 2006 For 2005 For 2004 Property owned: (please include your main residence as well as buy-to-lets if any) Who owns Estimated - Mortgage outstanding Monthly Monthly Property the address value of the - Mortgage provider mortgage rental property? property - Mortgage type repayment income Assets: Description (eg shares, Owner Value savings, ISA's, PEP's…) (NB: cars, antiques, art work are not taken into account) Monthly outgoings: Applicant 1 (please Applicant 2 (please Amount of loan give amount paid give amount paid still to be paid off each month) each month) Credit Card Repayments (do not include if you pay off the balance every month) Bank Loan Car Loan Council Tax Rent Do you have an overdraft facility and are you using it? Child maintenance payments Other (please specify) Total Monthly Outgoings


text:
Adorable Pics of Celebs with Their Dads
By Zahra Motorwala, Team iDiva | posted Jun 14th 2014 at 6:00AM
The relationship of kids and their dads is one that's always been less talked about. But this trend seems to be changing with celebrities posting pics adorable pics with their daddies. Whether it's daddy's little girl Priyanka or the doting daughter Bipasha, they've all gone that route and posted cute pictures with their fathers. Here are some memorable moments celebs shared over the years. Check them out.
Don't Miss: Drool-Worthy Gifts for Daddy Dearest [Weekly Loot]
Image Courtesy: Instagram, Twitter & Facebook
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Vaynerchuk praised the restaurant and ice cream parlor for landing 2,000 fans as soon as they launched their Facebook page by promoting a big event and offering a 10 percent discount.
He also noted they only use high-quality photos, keep their posts simple and try to engage viewers with posts that talk about things other than their products.
"Their standards are high and exacting," Vaynerchuk wrote. "Before posting anything, they ask themselves, 'If I saw this picture, would I share it?' If the answer is no, they don't post."
Lisa Smeltzer, who owns Cone Palace with her husband, Jeff, said they first got a Facebook page in 2010, and set up a Twitter account a year-and-a-half ago.
They now have over 8,000 followers on Facebook, and want to keep growing.
"We do our best to keep up with the trends," she said. "It's kind of fun. Twitter is such a neat way to talk to people."
Smeltzer said she was surprised and flattered that Vaynerchuk chose to include Cone Palace in his book, and they're grateful for the national exposure.
"I'm sure he had thousands of businesses he could have picked from, so it's pretty flattering that he found us worthy to include," she said.
Larison said it's also good exposure for Kokomo.
"It's cool that a small mom-and-pop restaurant in Kokomo is getting such national attention," he said. "It's great for Kokomo. Hopefully this trend will keep going."
Carson Gerber can be reached at 765-854-6739, firstname.lastname@example.com or on Twitter @carsongerber1.


text:
County Home => Board of County Commissioners => What's Happening In My Community
Additional Pages
District Information for all districts
Aug 27, 2014
RTC hosts public open house September 4 to discuss Sun Valley Boulevard Corridor.
Aug 26, 2014
Washoe County Commissioners take ALS Ice Bucket Challenge.
Aug 20, 2014
Local water consolidation workshops will be held beginning next week.
Aug 12, 2014
Commissioners decide medical marijuana dispensary allocations.
Jul 18, 2014
Low water conditions lead to closure at Lake Tahoe.
Jun 10, 2014
Water merger: Where can I find more info about the water utility merger between Washoe County,STMGID and TMWA?
A frequently asked questions document is available at www.washoecounty.us/repository/files/55/FAQs_Water_Utility_Consolidation.pdf
Jun 5, 2014
Washoe County District Dimensions provides community and County information.
Oct 3, 2013
Senior Services presents new Veteran's program benefits.
Jun 3, 2013
Gaspari Water Play Park opens Thursday, June 6.
To view news and announcements that affect your district, simply click on the district below:
- District 1: Truckee Meadows south of I-80 and running along the Sierras to Lake Tahoe
Commissioner Berkbigler
- District 2: Truckee Meadows south of I-80 running south to include Washoe Valley
Commissioner Humke
- District 3: Central Truckee Meadows including portions of the City of Reno, University area, and Sun Valley
Commissioner Jung
- District 4: Areas within and surrounding Sparks, East Truckee Canyon
Commissioner Hartung
- District 5: North of I-80, Verdi, North Valley's, and Gerlach
Commissioner Weber


text:
With its distinctly warm, aromatic smell, cinnamon spice can instantly create a familiar festive scent in any room. Try finding long, golden-red cinnamon sticks to make these striking natural decorations for your Christmas tree.
Secure the cinnamon sticks in a bundle with the elastic band. Thread the wire under the elastic band and secure it tightly in a loop.
Thread a nutmeg onto the raffia, down to one end. Tie a knot in the end of the raffia to secure the nutmeg. Repeat at the other end.
Wrap the raffia around the cinnamon bundle a couple of times so that the elastic band is completely hidden. Secure in a knot.
Glue the star anise onto the front of the orange slice, then glue the orange slice onto the raffia so that it covers the knot.
Excerpted from A Greener Christmas
© Dorling Kindersley Limited 2008


text:
PHOTO GALLERY: A booming good time
January 5, 2012
Although downtown Sarasota did not have its traditional New Year's Eve celebration, the 16-minute fireworks show on the bayfront, by Marina Jack, did mark a celebratory start for 2012. And although the crowd wasn't close to the size seen on July 4, people nonetheless were appreciative of the light show.
ISLAND BEAT: Oh, what a busy beach it was for the holidays
January 5, 2012
With temperatures hovering the 80s for much of the holiday period, it was no surprise that the No. 1 beach in the country was a popular spot.
Sarasota road construction resumes tomorrow
January 2, 2012
In observance of the holiday season, construction has been suspended through today, and will resume tomorrow, Jan. 3.
Supervisor of Elections to host several events this week
January 2, 2012
The Supervisor of Elections hosts several election-related events this week, including voter registration and education events, public meetings, and public appearances by Supervisor of Elections Kathy Dent and senior staff members.
YEAR IN PICTURES: December, 2011
January 2, 2012
Take a look back at photos from this year in The Pelican Press.
TOP STORY, DEC.: Straw poll shows opposition to pedestrian islands plan
January 2, 2012
The majority of Key residents attending a public meeting Tuesday indicated they preferred no action out of five options for improved pedestrian safety on Midnight Pass Road.
YEAR IN PICTURES: November, 2011
January 1, 2012
Take a look back at photos from this year in The Pelican Press.
TOP STORY, NOV.: Tourist tax revenue passes $11 million mark
January 1, 2012
Siesta Beach's No. 1 ranking gets considerable credit for the county's best tourist tax revenue total since the 2006 fiscal year.
YEAR IN PICTURES: October, 2011
December 31, 2011
Take a look back at photos from this year in The Pelican Press.
TOP STORY, OCT.: Village property owner files third lawsuit
December 31, 2011
Village property owner Chris Brown sued Sarasota County for the third time about raising parking tax assessments on three of his parcels while lowering it for 74 properties.
- Sep
9 Early Fall Gently Used Book Sale
10:00 am - 3:00 pm
- Sep
17 Women's Council of Realtors Fashion Show
11:00 am
- Sep
27 Health & Wellness Expo
10:00 am - 1:00 pm
- Sep
27 Health & Wellness Expo-LWR
10:00 am - 1:00 pm


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Horror films set in space are often a difficult proposition. Horror films set in space that have no budget to work with have more of a creative uphill climb. Stranded is a lunar adventure that takes place on a single set, with limited visual variance to help sell the sci-fi aspects of the story, while the script largely avoids anything that might require any type of specialized activity outside of actors stomping around looking frightened. Its the latest from Battlefield Earth helmer Roger Christian, which should be enough of a review right there for most readers. Cheap, dull, and starring Christian Slater, Stranded is a generic effort that doesnt set out to achieve much over 85 tedious minutes of screen time.
On the moon, mineral exploration base Ark has been bombarded by a meteor shower, with large portions of the complex destroyed, requiring quick thinking by the crew to maintain a hospitable atmosphere. Panicked but commanding, Col. Gerald Brauchman (Christian Slater) maintains control, ordering underling Ava Cameron (Amy Matysio) to secure critical airlocks without risking her life. Retrieving a meteor for study, Ava passes her findings to Dr. Lace Krauss (Brendan Fehr), who discovers spores capable of rapid growth. Cutting her finger in the lab, Ava is quickly overcome by the microscopic alien invader, surging through a pregnancy that climaxes with the birth of a monster that eludes capture. While Brauchman can hardly believe the reality of the situation, lackey Bruce Johns (Michael Therriault) is soon assaulted by the invader, who steals his DNA and grows into a human-like menace with a plan to escape to Earth.
Stranded aspires to conjure a sci-fi/horror mood along the lines of Alien, only without the money required to build a convincing look at futureworld tech. Christian contains the feature to a few rooms and some exterior model effects, which carry an endearingly backyard filmmaking look that doesnt trick the eye but tickles the moviegoing soul. Despite its moon base setting and haunted house atmosphere, Stranded doesnt cover much square footage, with its drab visual design growing repetitive the longer the director lingers on the same sets. Christians hunting for claustrophobia, the torture of being caught in a confined space with a literal monster, but the repetition comes across as extreme budgetary measures, especially in a film that attempts to pass off Brookstone book lights as video recording devices and iPods as door locks. It appears most of the coin was spent on creature effects, detailing the goopy metamorphosis the alien threat endures as it steals Bruces essence. Its money well spent, but a little more expanse wouldve helped the cause.
Of course, any points on budgetary corner-cutting would be moot if Stranded were a thrilling picture. Christian (along with screenwriter Christian Piers Betley) cooks up a premise that finds the crew of the Ark fighting for their lives as rescue time runs out, battling exhaustion and hallucinations as the reality of a creature scurrying around inside the base is fully appreciated. Its a dreadfully routine plot, but one that could still click with a director willing to put in the effort to streamline the thrills, making the feature ripple with excitement. Christian takes the opposite approach, extending his endeavor with pauses and arguments over sanity, padding the movie to a point where it simply runs out of gas, unable to regain pressure once genre-reliable showdowns are amplified in the finale. Stranded is short but dull, killing potential for scares and nail-biting the longer it fixates on stillness to make it all the way to a contractually obligated run time. Those expecting a more vigorous exercise in terror should be reminded: Stranded is guided by the same man who made Battlefield Earth.
We watch Brauchman doubt Avas mental health over and over again, witness Dr. Krauss gradually coming to understand the destructive appetite of the spores, and observe Bruce lose his mind, with his body stolen by the alien as a means of evolution. That Stranded doesnt even have an ending, just a cliffhanger for a sequel, is perhaps the most offensive element of the movie. Its bad enough to have one film seemingly determined to sit down and nap between gore shots, but theres a promise made at the end of the feature that more time with this aimless material is near. As much as Im rooting for a resurgence in Slaters marquee value and applaud the pictures scrappy means to decorate with items found on a day trip to the local mall, I wish more time and thought were placed into Stranded to make it brain-splittingly suspenseful, and not just a placeholder for future sequels.
Starring: Christian Slater, Brendan Fehr
» See full cast & crew
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You're sophisticated and worldly, with a timeless style and so is this dry-erase calendar! Organize your jet-setting ventures, timesensitive deadlines, and exciting rendezvous on the Globe Trotter calendar to make sure you never miss a moment. The 17.75" x 13" calendar comes with a dry-erase marker with a built in eraser.
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As spotted on the Fashion Chalet's blog. Sam Edelman's Lorissa Pump in Black Suede.
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This was originally a poem that I wrote about my paternal grandpa. He had a saddle and knew that I loved horses,... : Non-Fiction » Read
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Follow me on:
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Field of poppies in the lake
by Guido Montañés
Stretched Canvas
Fine art print on bright white, fine poly-cotton blend, matte canvas using latest generation Epson archival inks. Individually trimmed and hand stretched museum wrap over 1-1/2" deep wood stretcher bars. Includes wall hanging hardware.
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This is absolutely gorgeous! Great composition and the amount of details here is stunning. Nicely done! :)


text:
Three arrested over death at Byker Wall
Three people were arrested after a man died in Newcastle. Police were called to reports of a disturbance at the Byker Wall. A man in his 40s was lying in the street and was pronounced dead at the scene.
A 19-year-old man, a 26-year-old man and an 18-year-old woman **are in police custody.


text:
IMPACT basketball to hold tryouts in Oak Park, River Forest
Courtesy Fatima Beach, IMPACT
Dates + Locations
- Boys Grades 2nd - 4th.....Thursday, March 7th & Friday, March 8th from 6:30pm -8:30pm
River Forest Community Center, 8020 Madison Street, River Forest, Illinois 60305
- Boys Grades 5th - 8th.....Saturday, March 2rd & Saturday, March 9th from 1:00pm -3:00pm
Oak Park River Forest High School, 201 N. Scoville Ave., Oak Park, Illinois
- Girls Grades 3rd - 8th: Saturday, March 2nd & Saturday, March 9th from 4:00pm -6:00pm. Oak Park River Forest High School, 201 N. Scoville Ave. Oak Park, Illinois
Maximum roster size per team: 10-13 players
$10.00 Tryout Fee Per Child (Fee includes Tryout Tee-shirt)
All children must be accompanied by an adult. Walk-in registration available on date of tryout.
Mandatory: Impact Parent Meeting - Saturday, March 23rd from 1:00pm -3:00pm. At Oak Park River Forest High School.
Tryout Information Contacts
Coach James Foster, Executive Director email: email@example.com phone: 312.498.5027
Impact Coaches: James Foster, Derrick Robinson, Tanya Thigpen, Suzanne Wagner, Jeff Plane, Dennis Keizer,
Quinn Peterson, Keith Bush, Phil Gary, Kelly Martin, Jordan Foster and Rick Robinson.
Please visit website for updated information: www.impactbasketball.org.
Reader Comments
3 Comments - Add Your Comment
pamela Thomas from oak park
Posted: February 13th, 2014 12:04 PM
when is tryouts for the traveling team from impack for 4th graders is it tonight
Fatima Beach from Oak Park
Posted: March 2nd, 2013 7:59 AM
The time for Tryouts today are back to 1 pm to 3 pm.
Fatima Beach from Oak Park
Posted: February 28th, 2013 1:41 PM
There is a slight change to the 5th - 8th grade boys tryout times. It is still on Saturday, March 2, but it will be held from 3 pm - 5 pm instead at OPRF.
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I believe you Gail. I remember you, we graduated...
By Sue Skirpan(Armstrong)
Posted: August 31st, 2014 11:36 AM
Start with this: "families have more money in...
By Unfortunately
Posted: August 31st, 2014 10:04 AM
wow you want to kill even MORE animals? Sad.. no heart
By Dawn
Posted: August 31st, 2014 9:59 AM
Interesting adjunct to other conversations about...
By OP Transplant
Posted: August 31st, 2014 9:57 AM
Enough with the sports..just for a year cover female...
By Johanna Brocker
Posted: August 31st, 2014 6:14 AM