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Coffinswell Holiday Cottages
Please find below a selection of self catering holiday cottages to rent in or near Coffinswell.
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We open today at 9am. You can also send us an e-mail or request a callback.Request a callback
Please find below a selection of self catering holiday cottages to rent in or near Coffinswell.
Your search returned 23 cottages.
Stylish bungalow in quiet, elevated position two miles from Torquay seafront. Off road parking, on bus route to seafront, short walk to local shops. (Ref. 914617)
7 nights from £354Book Now
Ground floor studio flat in large Victorian house 15 minute walk from seafront in Torquay. Handy for all main Torquay attractions. Five minute walk to Torre railway station. Paignton 3.6 miles. (Ref. 929192)
Ground floor studio flat in quiet area of Torquay, short walk to seafront, shops and railway station. Ideal convenient accommodation for those that are out and about a lot. Paignton 3.6 miles. (Ref. 929191)
First floor studio flat for two with separate bathroom in Torquay. Very convenient central location for public transport links, theatre and beach. Paignton 3.6 miles. (Ref. 929189)
First floor flat in Victorian house near Torre Abbey and seafront in Torquay. Friendly, welcoming, cosy accommodation ideal for small family. Paignton 3.6 miles. (Ref. 929188)
7 nights from £289Book Now
A cosy character cottage in the heart of the Wellswood Village area of Torquay, less than a mile from the harbour and beach. Quiet side street; sunny courtyard garden; walking distance of patisserie and Kent's Cavern. (Ref. 921019)
7 nights from £353Book Now
Lovely former fisherman's cottage on a slipway, a few paces from Teignmouth beach. Ideal for a small family. Easily reached by public transport. Dartmoor National Park 12 miles. (Ref. 930334)
7 nights from £303Book Now
A beautifully designed detached cottage near Paignton. En-suite. Far-reaching, uninterrupted sea views right across Torbay. Three balconies, garden with decked areas. Beach and amenities within walking distance. (Ref. 931131)
7 nights from £774Book Now
Period cottage in Teignmouth. Quiet residential area of busy seaside town. Three stories, two large sitting rooms. Ten minute walk to sandy beach, pier and promenade. Dartmoor National Park 12 miles (Ref. 20681)
7 nights from £494Book Now
Modern detached family holiday home, a mile from Teignmouth. Quiet area, Sky TV, WiFi. Off road parking. Garage storage. Enclosed garden. Dartmoor National Park 12 miles. (Ref. 932166)
10% off - Sat 2nd Jul to 23rd Jul 2016
7 nights from £403Book Now


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Deferred Annuities and Strategic Asset Allocation
We derive the optimal portfolio choice and consumption pattern over the lifecycle for households facing labor income, capital market, and mortality risk. In addition to stocks and bonds, households also have access to deferred annuities. Deferred annuities offer a hedge against mortality risk and provide similar benefits as Social Security. We show that a considerable fraction of wealth should be annuitized to skim the return enhancing mortality credit. The remaining liquid wealth (stocks and bonds) is used to hedge labor income risk during work life and to earn the equity premium. We find a marginal difference between a strategy involving deferred annuities and one where the investor can purchase immediate life annuities.
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|28 pages
|Date of creation:
|Aug 2008
|Date of revision:
|Contact details of provider:
| Postal: P.O. Box 1248, Ann Arbor, MI 48104
Phone: (734) 615-0422
Fax: (734) 647-4575
Web page: http://www.mrrc.isr.umich.edu/publications/papers/
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References listed on IDEAS
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- Milevsky, Moshe A. & Young, Virginia R., 2007. "Annuitization and asset allocation," Journal of Economic Dynamics and Control, Elsevier, vol. 31(9), pages 3138-3177, September.
- Horneff, Wolfram J. & Maurer, Raimond H. & Stamos, Michael Z., 2008. "Life-cycle asset allocation with annuity markets," Journal of Economic Dynamics and Control, Elsevier, vol. 32(11), pages 3590-3612, November.
- Stamos, Michael Z., 2008. "Optimal consumption and portfolio choice for pooled annuity funds," Insurance: Mathematics and Economics, Elsevier, vol. 43(1), pages 56-68, August.
- Heaton, John & Lucas, Deborah, 1997. "Market Frictions, Savings Behavior, And Portfolio Choice," Macroeconomic Dynamics, Cambridge University Press, vol. 1(01), pages 76-101, January.
- Geoffrey Kingston & Susan Thorp, 2004.
"Annuitization and Asset Allocation with HARA Utlity,"
Econometric Society 2004 Australasian Meetings
248, Econometric Society.
- Kingston, Geoffrey & Thorp, Susan, 2005. "Annuitization and asset allocation with HARA utility," Journal of Pension Economics and Finance, Cambridge University Press, vol. 4(03), pages 225-248, November.
- Francisco Gomes & Alexander Michaelides, 2005.
"Optimal Life-Cycle Asset Allocation: Understanding the Empirical Evidence,"
Journal of Finance,
American Finance Association, vol. 60(2), pages 869-904, 04.
- Gomes, Francisco J & Michaelides, Alexander, 2005. "Optimal Life-Cycle Asset Allocation: Understanding the Empirical Evidence," CEPR Discussion Papers 4853, C.E.P.R. Discussion Papers.
- Luis M. Viceira, 1999.
"Optimal Portfolio Choice for Long-Horizon Investors with Nontradable Labor Income,"
NBER Working Papers
7409, National Bureau of Economic Research, Inc.
- Luis M. Viceira, 2001. "Optimal Portfolio Choice for Long-Horizon Investors with Nontradable Labor Income," Journal of Finance, American Finance Association, vol. 56(2), pages 433-470, 04.
- Joao F. Cocco, 2005. "Portfolio Choice in the Presence of Housing," Review of Financial Studies, Society for Financial Studies, vol. 18(2), pages 535-567.
- Zvi Bodie & Robert C. Merton & William F. Samuelson, 1992.
"Labor Supply Flexibility and Portfolio Choice in a Life-Cycle Model,"
NBER Working Papers
3954, National Bureau of Economic Research, Inc.
- Bodie, Zvi & Merton, Robert C. & Samuelson, William F., 1992. "Labor supply flexibility and portfolio choice in a life cycle model," Journal of Economic Dynamics and Control, Elsevier, vol. 16(3-4), pages 427-449.
- Gourinchas, Pierre-Olivier & Parker, Jonathan A, 2000.
"Consumption Over the Life-Cycle,"
CEPR Discussion Papers
2345, C.E.P.R. Discussion Papers.
- Pierre-Olivier Gourinchas & Jonathan A. Parker, 2002. "Consumption Over the Life Cycle," Econometrica, Econometric Society, vol. 70(1), pages 47-89, January.
- Pierre-Olivier Gourinchas & Jonathan A. Parker, 1999. "Consumption Over the Life Cycle," NBER Working Papers 7271, National Bureau of Economic Research, Inc.
- Blake, David & Cairns, Andrew J. G. & Dowd, Kevin, 2003.
"Pensionmetrics 2: stochastic pension plan design during the distribution phase,"
Insurance: Mathematics and Economics,
Elsevier, vol. 33(1), pages 29-47, August.
- David Blake & Andrew J. G. Cairns & Kevin Dowd, 2003. "Pensionmetrics 2: stochastic pension plan design during the distribution phase," LSE Research Online Documents on Economics 24830, London School of Economics and Political Science, LSE Library.
- Amy Finkelstein & James Poterba, 2004.
"Adverse Selection in Insurance Markets: Policyholder Evidence from the U.K. Annuity Market,"
Journal of Political Economy,
University of Chicago Press, vol. 112(1), pages 183-208, February.
- Amy Finkelstein & James Poterba, 2000. "Adverse Selection in Insurance Markets: Policyholder Evidence from the U.K. Annuity Market," NBER Working Papers 8045, National Bureau of Economic Research, Inc.
- Horneff, Wolfram J. & Maurer, Raimond H. & Mitchell, Olivia S. & Dus, Ivica, 2008. "Following the rules: Integrating asset allocation and annuitization in retirement portfolios," Insurance: Mathematics and Economics, Elsevier, vol. 42(1), pages 396-408, February.
- Brugiavini, Agar, 1993. "Uncertainty resolution and the timing of annuity purchases," Journal of Public Economics, Elsevier, vol. 50(1), pages 31-62, January.
- Cannon, Edmund & Tonks, Ian, 2008. "Annuity Markets," OUP Catalogue, Oxford University Press, number 9780199216994, May.
- Moshe A. Milevsky & Kristen S. Moore & Virginia R. Young, 2006. "Asset Allocation And Annuity-Purchase Strategies To Minimize The Probability Of Financial Ruin," Mathematical Finance, Wiley Blackwell, vol. 16(4), pages 647-671.
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subset: commoncrawl


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- KenyaRetailFunding via Yehu Microfinance Trust
Angle GroupTanzaniaFoodFunding via Tujijenge Tanzania Ltd
Sasa'eSamoaFoodFunding via South Pacific Business Development (SPBD)
Maria Auxiliadora Group
Cristina, committee president, is a hardworking, innovative woman. She promotes activities and group meetings so that group relations can improve. She's a hair stylist and relates that she's doing well because she always does good work for her customers. She dreams with being able to grow and improve more in her business every day. She strives and wants to be the best.
She's requesting this loan to buy hair color, shampoo, rinses, creams, gels, spray and others to continue providing good service to her female and male customers.
La Sra. Cristina, presidenta del comité, es una mujer luchadora e innovadora, promueve actividades y reuniones con las integrantes, para que así puedan mejorar la relación del grupo. Ella se dedica a la peluquería, y cuenta que le está yendo muy bien porque siempre hace muy buenos trabajos a sus clientes. Ella sueña con poder ir creciendo y mejorando cada vez más su negocio. Ella lucha y quiere ser la mejor.
Solicita de este crédito para invertirlo en la compra de tintes, shampoo, enjuagues, cremas, gel, spray y demás para poder seguir ofreciendo una buena atención a sus clientes y clientas.
Additional Information
About Fundación ParaguayaFundación Paraguaya is a financially self-sustaining social enterprise that promotes entrepreneurship in urban and rural areas through microfinance, education programs, and more. Its focus on agriculture has helped many farmers boost their crop yields. And a number of other borrowers have taken out loans to start and grow social businesses that have helped deliver eyeglasses, medicines and other helpful services in their local communities.
This is a Group Loan
In a group loan, each member of the group receives an individual loan but is part of a larger group of individuals. The group is there to provide support to the members and to provide a system of peer pressure, but groups may or may not be formally bound by a group guarantee. In cases where there is a group guarantee, members of the group are responsible for paying back the loans of their fellow group members in the case of delinquency or default.
Kiva's Field Partners typically feature one borrower from a group. The loan description, sector, and other attributes for a group loan profile are determined by the featured borrower's loan. The other members of the group are not required to use their loans for the same purpose.
About Paraguay
50View loans »
Success!! The loan was 100% repaid
- Repayment Term
- 5 months (Additional Information)
- Repayment Schedule
- Monthly
- Pre-Disbursed:
- Apr 18, 2013
- Listed
- May 20, 2013
- Currency Exchange Loss:
- Covered
- Ended:
- Aug 17, 2013


text:
You won't be able to dismiss this by usual means (escape or click button), but you can close it programatically based on user choices or actions.
"This arrived exactly as I had pictured. Good quality paper, lovely design...there's not much you can go wrong with on this one."
"I had the designer mock up a color that was not offered for preview. The proof arrived lightning fast. Then the actual magnets arrived four days ahead of schedule! We will be ordering invitations from WPD as well."
"These magnets came out beautifully; they are simple but elegant. The designer recommendations were spot on and the item arrived exactly as it was stated in the order. I have already received many compliments and would recommend this to anyone."
"Overall, I am super impressed with this. The save the dates came exactly one week earlier than the promise date, and they are so awesome looking! It doesn't feel like a true postcard, with the shiny look and smooth feel, but it is pretty close. At the end of the day, I couldn't be happier."
"I ordered this with a B&W picture with white font, and the designer shaded the bottom half to make the white font stand out better. It looked great! I received the cards less than a week after approving the design. Overall great experience with WPD!"


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: [Spoilers]
BW080 - Brycen Appears! The Holy Mountain of Volcarona!!
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Gym battle is taking place in the next episode and yes Krokorok is confirmed in the match.
I dunno, I just don't have a feeling he is going to catch it or one for that matter. If a trainer showcases it more then likely it will be Alder. And he could always bring Gible back since BW2 opened the doors for other regional pokemon. And I doubt he will be sticking around Icirrus that long anyways since Homika the new Poison leader is supposed to debut in June.
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With there just being about two months left prior to the official release of GNOME 3.0, these most recent package updates aren't as prominent as some of the earlier development releases, but still worth noting nevertheless. With the GTK+ 2.90.5 release, GTK+ 3.0 is now dependent upon Cairo 1.90.10 or newer, aliasing hacks were dropped, and a good number of bugs were fixed. GTK+ 2.90.5 also carries a few API changes and some translation updates.
With the GNOME Shell 2.31.5 release, this GNOME 3.0 desktop shell is dependent upon GTK+ 3.0. GNOME Shell will no longer work with the GTK+ 2.x library. Other changes since the previous GNOME Shell release include various bug and build fixes. Lastly, Mutter 2.31.5 has also picked up support for building against GTK+ 3.0.
Those wishing to monitor the stream of GNOME development packages being checked-in for this week's GNOME 3.0 snapshot can find the announcements on the gnome-announce-list.


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Board Wants More Corporate Farm Information
Oquawka, IL – Henderson County board members believe the state should be more forthcoming about possible corporate agriculture livestock facilities. Chairman Marty Lafary says he asked for a briefing from agriculture department staffers after he heard that up to three such farms might locate in the county. He says he learned that the Department of Agriculture has the final say on permitting such an operation. Lafary believes the state should notify local governents much earlier in the permitting process. He says now, much of an application has already been completed and studied by the state before nearby residents or local units of government are notified.


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Images: Jump FARP training [Image 4 of 17]
Photo by Sgt. Daniel Schroeder
Spc. GarciaMartinez, 3rd Battalion, 158th Aviation Regiment, Task Force Storm, currently attached to the 25th Combat Aviation Brigade, unrolls fuel hoses during an exercise to set up a jump forward arming and refueling point on Forward Operating Base Shindand, Afghanistan, Oct. 3.
This work, Jump FARP training [Image 1 of 17], by SGT Daniel Schroeder, identified by DVIDS, is free of known copyright restrictions under U.S. copyright law.
Date Taken:10.03.2012
Date Posted:10.09.2012 02:27
Photo ID:678171
Size:3.9 MB
Location:FORWARD OPERATING BASE SHINDAND, AF
Hometown:WHEELER ARMY AIRFIELD, HI, US


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Contact Information
2026 Irving St San Francisco, CA 94122
2026 Irving StreetUSCaliforniaSan Francisco94122
(415) 731-2548shangrilavgrest.com
$Chinese Restaurant, Asian RestaurantToday 11:30AM–8:45PMMenu
Shangrila Vegetarian Restaurant is a vegetarian restaurant in San Francisco, CA that has been serving the bay area since 1978. As one of the best vegetarian restaurants in the bay area, we take pride in providing top-quality fresh ingredients for our healthy recipes. Our customers have come back time and again for the healthy foods that we provide at an affordable price.
Being a vegetarian means that you often need to navigate around the preferences of meat eaters. Usually, you're left with very few choices when you go out to eat. Shangrila Vegetarian Restaurant is here to help alleviate that problem. We specialize in healthy foods for vegan diets and vegetarian diets, and we adhere to strict kosher supervision.
If you want to try delicious healthy food recipes tonight, try Shangrila Vegetarian Restaurant. We offer a wide range of choices to meet your vegetarian and vegan dietary requirements.
Google+ URL


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Hi we have decided to go to wdw in October 2014. We haven't been this time of year before, are the parks busy?'
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Hi we have decided to go to wdw in October 2014. We haven't been this time of year before, are the parks busy?'
kate. Xx
That's a beautiful time of year to go. :yes:
The parks will have periods of being quite busy with Mickey's Not So Scary Halloween part at the MK, and the Food and Wine Festival at EPCOT. The FWF is VERY busy at the weekend, so go during the week when it is much quieter.
Generally, those special events are held at that time of year because it tends to be slower than other times of the year.
One of my favorite times to go. For the most part crowds will be minimal except for the times Tink mentions above.
I'm not really sure there are what I would call minimal crowds any longer. We've been down for F&W the last 3 years and were also there in February this year and all of the parks were quite busy. Certainly not Christmas/New Years, Spring Break/Easter,or July/August busy but busy enough that we had to wait longer than we usually would for some of the ride/attractions. All that said however, October is a great time to go. As Tink mentioned, stay away from EPCOT on the weekend.
We have always gone in October and we love it. This year is our first try at something different.
The weather is usually perfect. In the 80's during the day and 70's in the evening. It has always been warm enough to jump in the pool before bed :yes:
The crowds depend on Columbus day, we have found. Leading up to the holiday things got quite a bit more crowded (wait times around 30-45 minutes), but on Tuesday after the holiday things dropped right off again. Our wait times have always been more like 15-20 minutes for most rides. Our last trip we were able to walk onto Buzz Lightyear and PoC. All in all you should be pretty happy with you choice :yes:
Never been at that time, but would imagine that the weather may be the best of the whole year. That is if you don't get slammed by the odd late season hurricane. Gotta love the fall.
We have the 18-24 planned to attend. I'm hoping it's not awful with FWF and MNSSHP.
This is exactly right. The parks are all busy and there really is no slow time any longer.Quote:
Originally Posted by uscwest, post: 316710
If you stay away from EPCOT (F&W) on the weekends you should be OK. MNSSHP is a separate ticket that takes place only on select nights. That shouldn't bother you during the day time.Quote:
Originally Posted by mandyloowho, post: 318005


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Sunday, January 23, 2011
23 Comments | Copyright: BollyCurry
An innate craze for body art, especially tattoos, has found favor and place among the tinsel town celebs over the past few years. What with hot-shots like Deepika Padukone, Akshay Kumar, Saif Ali Khan, Sanjay Dutt, among others, flaunting their much hyped and talked about designer tattoos, every chance given!
Perhaps the King himself shall join the bandwagon soon!
Superstar Shahrukh Khan has never before been seen sporting one, although in the very recent past, his ardent Twitter followers may recall the tattoo filled picture of him that he had uploaded, much to the amusement of his fans. Those tattoos having been just henna art were temporary, and SRK had only been sport, humoring his kids!
Now word has come to us that Shahrukh was recently spotted at an airport, with the alphabet 'D' tattooed on his arm, while in Singapore to attend an award ceremony.
One may like to take wild guesses at the eminence of the letter 'D' - perhaps for the much awaited criminalized action flick Don 2, or a mysterious significance for the in progress super hero flick Ra.One, an endorsement, or perhaps (and most likely) a personal reason we've not been let into yet! Of course, it may just be another fake tattoo to catch the media glare!
Till we await validation over the enigmatic 'D' from King Khan himself, we reckon, its all just well to let our let our speculations run wild!
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'Bones' and 'Fringe' Previews: The Cave and the Box
It's all about fatal attraction in the next episode of "Bones". Booth's girlfriend and Afghanistan war correspondent, Hannah Burley (guest star Katheryn Winnick), makes a surprise visit. After meeting Burley and sensing the couple's genuine happiness, Brennan re-evaluates her own relationship with Booth, and he tries to teach her that love is not always logical.
Playing the 'other-woman' card, executive producer Stephen Nathan explained, "We are not playing a jealous triangle. I can tell you that categorically. This isn't high school. It won't be two women fighting over the same man. There's no outward tension."
Also in the episode called "The Couple in the Cave", when the remains of a couple are discovered in a cave at National Park, the team must piece together the identity of the man and the woman as well as solve the crime. After interrogating two viable suspects, the team identifies the woman as a marketing executive who also served as her partner's AA sponsor, providing clues that lead them to expose the truth.
"Bones" will be followed by a new episode of "Fringe" simply called "The Box". The story alternates to the Fringe Team "over here" where they investigate a mystifying case that people are discovered in a trance-like state that ultimately leads to their death. The unlikely suspect: a mysterious box.
As Peter and Walter collaborate to study its properties, alternate Olivia presses on and turns up the heat on an unsuspecting Peter. Meanwhile, key information about the future is revealed when Walter and Nina meet at Massive Dynamic for the emotional reading of the last will and testament of William Bell.
"Bones" and "Fringe" return on Thursday, September 30 at 8/7c and 9/8c respectively.
- Bones
More Bones News
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- Listen to a Preview of Shawn Mendes' New Song 'Better'
- Elijah Wood Clarifies Comment on Child Sex Abuse in Hollywood, Says It's Misinterpreted
- 'Pretty Little Liars' Boss Confirms Someone's Getting Married in Season 7
- Anne Hathaway Throws Shade at the Kardashians, Says It's Unintentional
- Eminem Sells Bricks of His Childhood Home for 'Marshall Mathers LP' Anniversary
- Did Jennifer Lawrence Just Say She Was Under the Influence While Filming 'The Hunger Games'?
- Helen Hunt Mistaken for Jodie Foster by Starbucks Barista. Read the Funny Story


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February Giveaway: General Hydroponics 3 Part Flora Series Nutrients
I just got back from Home Depot to set up some more hydroponic systems for a family friend and I thought to myself, "What about all of the people that read this blog? What can I do for them?" I know that it's been a little slow here lately, but I wanted to thank each and every one of you who have subscribed, commented, or even just browsed the site – you are all why I keep writing and experimenting in urban gardening.
To thank you, I'm giving away a General Hydroponics 3 Part Flora Series pack of nutrients. These nutrients are wonderful for beginners and more advanced gardeners as well.
How to Enter
Contest is over. If you want to be notified when the next one happens, sign up to the Epic Gardening newsletter in the sidebar!
Thanks again for being part of the Epic Gardening community and the urban gardening community as a whole!
– Kevin


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LOCAL COLLEGES: Split earns Lackawanna baseball first-round playoff bye
Lackawanna College clinched a first-round bye for the NJCAA Region 19 baseball playoffs by splitting a doubleheader Monday against Sussex County Community College.
After dropping the first game, 3-2, the Falcons came back to win the nightcap, 8-0.
Cameron Johnson had two hits, including a home run, for Lackawanna in the second game and Michael Abrunzo added a single and a double. Delaware Valley graduate Christian Cerberville fired a one-hitter to earn the win.
Johnson had a triple and an RBI for the Falcons in the opener.
Keystone College sophomore Karissa Worobey and Baptist Bible College senior Karin Mowry were both named to the Colonial States Athletic Conference softball weekly honor roll for the period ending Sunday.
Worobey, a Scranton High graduate, made four starts during the week and posted a 3-1 record, allowing six earned runs and striking out 17. Her effort helped the Lady Giants clinch the No. 6 and final berth in the upcoming playoffs.
Mowry, a graduate of Elk Lake, closed out her career in style. She batted .714 (15 for 21) for the week with nine RBIs and 11 runs. In a doubleheader Saturday against Notre Dame of Maryland University, Mowry was 9 for 9 with four RBIs and seven runs.
At High Point, N.J., Lackawanna College captured its seventh straight Pennsylvania-Delaware Cup.
Ranked No. 10 in this week's Golf World/Nike NJCAA Division II poll, the Falcons won in a playoff after they and Bucks County Community College tied with a team score of 315.
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The Warning Against Desiring Spiritual Success
Worldliness is not the trap that most endangers us as Christian workers; nor is it sin. The trap we fall into is extravagantly desiring spiritual success; that is, success measured by, and patterned after, the form set by this religious age in which we now live. Never seek after anything other than the approval of God, and always be willing…
The Warning Against Wantoning
As Christian workers, worldliness is not our snare, sin is not our snare, but spiritual wantoning is, viz.: taking the pattern and print of the religious age we live in, making eyes at spiritual success. Never court anything other than the approval of God, go "without the camp, bearing His reproach." Jesus told the disciples not to rejoice in successful service, and yet this seems to be the one thing in which most of us do rejoice. We have the commercial view - so many souls saved and sanctified, thank God, now it is all right. Our work begins where God's grace has laid the foundation; we are not to save souls, but to disciple them. Salvation and sanctification are the work of God's sovereign grace; our work as His disciples is to disciple lives until they are wholly yielded to God. One life wholly devoted to God is of more value to God than one hundred lives simply awakened by His Spirit. As workers for God we must reproduce our own kind spiritually, and that will be God's witness to us as workers. God brings us to a standard of life by His grace, and we are responsible for reproducing that standard in others.
Do You Worship The Work?
Beware of any work for God that causes or allows you to avoid concentrating on Him. A great number of Christian workers worship their work. The only concern of Christian workers should be their concentration on God. This will mean that all the other boundaries of life, whether they are mental, moral, or spiritual limits, are completely free with the…
The Worship Of The Work
Beware of any work for God which enables you to evade concentration on Him. A great many Christian workers worship their work. The one concern of a worker should be concentration on God, and this will mean that all the other margins of life, mental, moral and spiritual, are free with the freedom of a child, a worshipping child, not a wayward child. A worker without this solemn dominant note of concentration on God is apt to get his work on his neck; there is no margin of body, mind or spirit free, consequently he becomes spent out and crushed. There is no freedom, no delight in life; nerves, mind and heart are so crushingly burdened that God's blessing cannot rest. But the other side is just as true - when once the concentration is on God, all the margins of life are free and under the dominance of God alone. There is no responsibility on you for the work; the only responsibility you have is to keep in living constant touch with God, and to see that you allow nothing to hinder your co-operation with Him. The freedom after sanctification is the freedom of a child, the things that used to keep the life pinned down are gone. But be careful to remember that you are freed for one thing only - to be absolutely devoted to your co-Worker.
Our Lord's Surprise Visits
A Christian worker's greatest need is a readiness to face Jesus Christ at any and every turn. This is not easy, no matter what our experience has been. This battle is not against sin, difficulties, or circumstances, but against being so absorbed in our service to Jesus Christ that we are not ready to face Jesus Himself at every turn.…
Our Lord's Surprise Visits
The great need for the Christian worker is to be ready to face Jesus Christ at any and every turn. This is not easy, no matter what our experience is. The battle is not against sin or difficulties or circumstances, but against being so absorbed in work that we are not ready to face Jesus Christ at every turn. That is the one great need, not the facing our belief, or our creed, the question whether we are of any use, but to face Him.
Is He Really My Lord?
Joy comes from seeing the complete fulfillment of the specific purpose for which I was created and born again, not from successfully doing something of my own choosing. The joy our Lord experienced came from doing what the Father sent Him to do. And He says to us, "As the Father has sent Me, I also send you" (John 20:21).…
Is He Really Lord?
Joy means the perfect fulfilment of that for which I was created and regenerated, not the successful doing of a thing. The joy Our Lord had lay in doing what the Father sent Him to do, and He says - "As My Father hath sent Me, even so am I sending you." Have I received a ministry from the Lord? If so, I have to be loyal to it, to count my life precious only for the fulfilling of that ministry. Think of the satisfaction it will be to hear Jesus say - "Well done, good and faithful servant"; to know that you have done what He sent you to do. We have all to find our niche in life, and spiritually we find it when we receive our ministry from the Lord. In order to do this we must have companied with Jesus; we must know Him as more than a personal Saviour. "I will show him how great things he must suffer for My sake."
Is This True of Me?
It is easier to serve or work for God without a vision and without a call, because then you are not bothered by what He requires. Common sense, covered with a layer of Christian emotion, becomes your guide. You may be more prosperous and successful from the world's perspective, and will have more leisure time, if you never acknowledge the…


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Manolo Garcia
Genres: Pop, Rock
Manuel García García-Pérez (*Poblenou, Barcelona, August 19 of 1955) is a Spanish singer and painter. His first LPs were recorded with rock bands like Los Rápidos, Los Burros and El Último de la Fila. His singing style is a mix of pop rock, flamenco and Arabic music. Today, García continues to have a successful solo career. Manolo became famous as the frontman of the Rock group "El Último de La Fila" (The last one of the line), during the 90's. As a solo singer he had exceled his previous success with "El ultimo.." They became famous in Venezuela with a song called "Como un burro amarrado en la puerta de un baile" (Like a donkey tighted in the door of a dance) Manolo is a poet and his... Continue Bio >>
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No Story
No is an Romance based movie. In which, Siva (Tarakaratna) falls in love with Priya (Chaya Singh) at the first sight. DK (Asish Vidyardhi) is a professional killer and an atheist. DK harasses his wife Sandhya on religious grounds. Sandhya is a buddy of Priya. Priya warns DK not to harass Sandhya. DK kills Sandhya and Siva is a witness to it. The goons from DK's camp keep chasing Siva. Meanwhile, Priya realizes that she is also in love with Siva. The rest of the film is about how he deals with tha problem.
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text: A few days ago we reported on a render of the ZTE Nubia Z5 Mini as it prepared to hit the Chinese market. The device is now available in China after being officially launched by ZTE. Several colors choices are available for the back plate on the Nubia Z5 Mini which is selling for 1,888 CNY ($308 USD). Read more


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Click on a thumbnail to go to Google Books.
There Is a Cure for Diabetes: The Tree of Life 21-Day+Program
by Gabriel Cousens
No current Talk conversations about this book.
The authors research conclude that after about twenty years of westernized processed food exposure,and the culture of death, the indigenous populations develop diabetes and that this happens in country after country with non whites in those country's being hit dispaportionately ...with greater frequencey.
Next given are some reasons why the disease is at epidemic proportions, some of which include toxic chemicals, processed, cooked, pasturized and irradiated foods, heavy metals, vaccinations, smoking, all contributes to this accelerated aging disease.
Chapter three is a comprehensive theory of diabetes with some showing that lifestyled, vitamin and mineral defiencies, lack of sleep, lack of excersize, and stress contribute.
One of the better things that I like about the book is the information on the clients, the detailed explanation on how to use the program and the meriade of substances that can be used to supplement your nutritional program, the spiritual and psychology aspects included. And the fact that the author uses the program himself the stay healthy...
People shoud remember that this is yet only one cure of many and that this program may not work for those individuals who have self defeating ideas, like "there is no cure for diabetes", " All foods and beverages can fit into a healthy diet", "everything in moderation". You should know your limits before embarking on any plan that may change your lifestyle radically.
The first part of this book has a lot of statistics and data regarding the increase of diabetes worldwide. Although, I believe the author is being completely truthful in reporting the facts, he also adds his own speculation about why these increases are occuring. In a few places he contradicts himself. It is obvious he is trying to set the stage for the second half of the book.
The second half is all about the radical vegan diet the author proposes as the "cure." I've no doubt the diet causes the symptoms of diabetes to go away, but once one returns to a sustainable diet the symptoms most likely will also. A newly diagnosed diabetic should consult their doctor or nutritionist about a reasonable diet and lifestyle that will help keep their diabetes symptoms under control.
The second part of the book is the authors theory on the "tree of life" program. This highly specialized diet is said to be a nature cure for diabetes. However I feel the need to point out that the clinical human trial that is used only had 11 participants in it. Also while it does not specify so, it appears that these individuals were type 2 diabetics. The diet that is included in the book is made up of using all natural products. It is extremely high in fruits, fiber and various beans. In order to follow this diet one would have to spend all their time shopping for these ingredients and then blending them to make your meals that there would be no time left for anything else. It would require extreme willpower to convert to this 21 day Tree of life program-- not to mention the will to keep it up for life!!
Overall I find this book to be ridiculous. While the first part is informative, the second part is so out there. It does not spell out to the reader that in reality this program is only going to work for a person that is extremely disciplined and has type 2 diabetes. And reality is that many people with type 2 diabetes can reduce their need for insulin or oral medications by eating a normal healthy diet without going to such extremes as this book would suggest.
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"Presents a breakthrough approach that reverses diabetes to a physiology of health and well-being by resetting the genetic expression of a person's DNA through green juice fasting and a 100% organic, nutrient-dense, vegan, low-glycemic, low-insulin-scoring, and high-mineral diet of living foods in the first 21 days"--Provided by publisher.… (more)
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Arif IrshadShared publicly -
Ayesha Farooq, 26, Pakistan's only female war-ready fighter pilot, climbs up to a Chinese-made F-7PG fighter jet at Mushaf base in Sargodha, north Pakistan June 6, 2013. Farooq, from Punjab province's historic city of Bahawalpur, is one of 19 women who have become pilots in the Pakistan Air Force over the last decade - there are five other female fighter pilots, but they have yet to take the final tests to qualify for combat. A growing number of women have joined Pakistan's defence forces in recent years as attitudes towards women change. Picture taken June 6, 2013. REUTERS/Zohra Bensemra (PAKISTAN - Tags: MILITARY SOCIETY TPX IMAGES OF THE DAY) - RTX10LKE
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How to Remove Mayonnaise from Hair
Mayonnaise is a great, natural way to get rid of lice. It can also be used as a conditioner to make your hair smooth and shiny
This article has been tagged as a stub.
That means it's off to a good start, but still has room to grow into a more helpful resource. Until the article reaches its full potential, it will be hidden from search results. Can you help it flourish? If you think the article offers complete and accurate instructions, feel free to remove this tag.
1Rinse your hair in cool water. Be sure that it is not hot, or the mayonnaise will set in your hair and be near impossible to rinse out. [1] Continue rinsing until the water running off your hair is clear.
2Shampoo your hair as normal.
3Rinse out shampoo. Smell your hair. If it still smells of mayonnaise, repeat the process. It may take a couple of shampoos before your hair is completely clean of mayonnaise. [2]
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- Be especially thorough on hot days, as if you do not get all the mayonnaise out, it will spoil in your hair.
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There various aspects of these indigenous groups religion from which Christianity can relate too, as well as it can have some differences the Christians do not believe in. Although some different beliefs exist; I believe that there are more aspects in their religions that facilitate Christian conversion rather than hinder the conversion.
One aspect from the Aztec religion that the Spanish could relate to was the revered female figure in who they believed in. She was known by the name of Tenantzin. They believed her to be a beloved figure much like the Virgin Mary for Christians. Tonantzin was known as "our mother", because of her central mother figure in both human and natural fertility. Very similar to that of Virgin Mary the holiest women figure in Christian beliefs. Known mostly as the mother of Jesus Christ. Both Virgin Mary and Tonantzin represented grace and spiritual purity. Also, both were known for their gift of giving life. This aspect of the Aztecs highly fascinated their conversion to Christianity.
The Incas had these monuments much like the holy shrines of the Christians. These monuments went by the name of huaca or wak'a in the Inca native language quechua. Huacas were natural locations associated with veneration and rituals much like holy shrines, which consisted of holy places where figures of respect were once venerated or worshipped. The Huaca Pucllana was used as an impotant ceremonial center to resurrect the dead much like the Holy Mount Tabor shrine, the place were Jesus was once resurrected. Huacas and shrines represent the holy locations of great significance to each religion.
As for the Caribbean natives, their belief of the idea of...


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Genetic Jigsaw That Either Kills or Cures; Why Are Some Countries More Prone to Certain Diseases? It Is All Down to Genetic Disorders, Many of Them Designed to Help Our Ancestors Survive, as Daily Record Health Correspondent JIM McLEAN Reports
McLEAN, Jim, Daily Record (Glasgow, Scotland)
Scientists unpicking the genetic jigsaw of life have discovered a "Celtic gene" which makes Scots more likely to have Multiple Sclerosis than anywhere else in the world.
The MS bombshell is the latest in a growing line of genetic discoveries that leave us feeling helpless.
But scientists now believe these new genetic hotspots are merely what is left over from ancient immunities that helped us survive.
Medical gene busters are driven by one goal - to cure a raft of genetic illnesses. The quest to unravel the human gene has passed the halfway mark and genetic science now stands at the threshold of explosive discoveries.
For the past eight years teams of scientists from around the world have been trying to identify billions of molecules which decide human genetic make-up.
If you could unravel all the DNA from a solitary human cell you would get a single, microscopically thin thread about five feet long.
On this thread are close to three billion base pairs of molecules, coded A, T, C or G that are the genetic code for who we are and how healthy or sick we are destined to be. Within the thread there are 100,000 important genes that control body functions.
Already there have been important medical milestones. Single gene defects that lead to cystic fibrosis, sickle cell disease and Huntington's chorea have been located.
And by 2003, two years ahead of target, scientists believe they will have the whole sequence mapped and made freely available for medical research.
One molecular genetics specialist said: "We are all condemned by what is, or is not, in our genes. And the aim of the research is to cure the illness."
Scots already owe our lives to this same genetic weakness.
As in the blood illness sickle cell anaemia, a mutation of a former genetic protection against malaria which mainly targets African and Asians, scientists are now certain the problem "Celtic gene" was once the crucial edge that allowed our ancestors to survive a mystery sickness that killed off their genetically inferior neighbours.
Dr Richard Wilson, a molecular biologist at Glasgow University, highlighted three cases where the recent discovery of human genes is linked to old diseases.
Some of these genes may hold the key to modern illnesses such as Aids that pose a global threat to mankind.
He said: "Researchers have found a gene which is most common in Sweden which is resistant to HIV.
"It is believed that this resistance originally stemmed from a genetic protection against the plague that swept across Europe in the Middle Ages.
"This is similar to cystic fibrosis, which typically affects one in 2000 people although nearer 100 more per 1000 may be carriers.
"Prevalent mainly among caucasians in west and central Europe, it is now thought CF might be linked with a resistance to cholera.
"And another gene particularly found in people from Scotland and Ireland offers protection to phenylketonuria, which basically means resistance to the toxins found in rotten and mouldy vegetables. This would have been important to people who had to store their food over the winter."
Dr Wilson says nature is so strongly geared towards human survival that it only takes 1000 years for a gene to claim its place in a population, even though it might only be there to help two per cent of carriers.
Researchers studying why three out of every 100 Scots may develop MS compared to one per 1000 in England, double the rates found elsewhere in Europe, are now on the trail of the ancient mystery illness it protected us against.
It could have been a flu virus thousands of years ago has left true Scots, with a Mac or a Mc surname, with a rogue HLA-DR2 gene and now 24 per cent more likely to get the crippling disease. Why this particular building block of life is more prevalent in Scots is unknown. …


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FIFA 13 Career Mode – Europe 1st Season
That's right folks in FIFA 13's Career Mode your club can now take part in 1st season European football. This is the bit EA asked us to hold back due to a few niggling issues but now we can tell... Read more
That's right folks in FIFA 13's Career Mode your club can now take part in 1st season European football. This is the bit EA asked us to hold back due to a few niggling issues but now we can tell... Read more
EA Sports have put out a video showing Vancouver Whitecaps defenders Jay Demerit and Alain Rochat chatting about the Motion Capture they've been doing for FIFA 13. Including a celebration that many... Read more
In Manchester next week? Specifically the 16th-19th between 11am and 7pm each day? Then you could play FIFA 13 early if you want. It'll be on show at the Premier League Trophy Tour in Albert... Read more
We brought you our Skill Games preview a few weeks ago now and whilst it explained a lot, you guys really needed to see them in action. Thankfully EA have provided this handy trailer with Nick... Read more
The time has come… For the prestigious FSB to community to once again do battle in the Official FIFASoccerBlog Fantasy Football League. The competition will be fierce, the banter in the comments... Read more
At the recent EA Summer Showcase there was an iOS presentation, which we've only just got round to watching. There were a few new details revealed about the iOS version including online multiplayer... Read more
Following suit with Newcastle, Everton have also renewed their partnership with EA Sports. As with the Newcastle deal there will be visits from the EA Sports dugout throughout the season, with that... Read more
At launch anyway. In an interview with Nintendoworldreport, Producer Matt Prior explained that "Some of the more advanced [modes] that took many years to kind of come onto 360 and PS3, things like... Read more
Good news for EA SPORTS Season Ticket holders who enjoy a spot of FIFA Ultimate Team because the benefits package has now been sweetened with EA now offering 24 free FUT packs as part of the deal.... Read more
We hinted that we had a chance to try something else whilst we were in Canada, and that it had a longer embargo. Well this is it. We were able to play a couple of matches on the Wii U version of... Read more
As well as the two major consoles of interest we also managed to grab some time with FIFA 13 on the Wii U in Vancouver and needless to say we were pretty impressed with it's new features and... Read more
The Playstation Summer sale begins tomorrow and the first game on offer is FIFA 12 which you'll be able to download it for just £19.99. For those of you that are Playstation Plus subscribers... Read more
It's Back! The EA SPORTS Challenge Series powered by Virgin Gaming will be making its way to FIFA 13 and that means more tournaments and more money for you guys. The Challenge Series ran for the... Read more
Hot on the heels of the recent Tottenham annoucement comes the news that Newcastle United have renewed their EA SPORTS partnership for another two years. This means that geordies everywhere can look... Read more
As well as our own FIFA 13 content, many gaming media outlets have also released their own previews and interviews which we've rounded up neatly for you below. If we've missed anything, or... Read more


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NEW YORK — As a teenager, Tumblr CEO David Karp would canvass the streets of New York City's Upper West Side, offering to build websites for local businesses. After his freshman year of high school, the precocious, computer-savvy kid decided to drop out altogether to devote more time to his passion for technology.
A few years later, Karp built Tumblr — the wildly popular blogging forum — from his tiny childhood bedroom, hunched over his laptop with bags of Tostitos. And on Saturday, the 26-year-old technology wunderkind returned home to inform his mother that, in a game-changing transaction, Yahoo was buying Tumblr for $1.1 billion.
"There were a few tears and lots of hugs, and a lot of excitement," said his mother, Barbara Ackerman. "This is something that he built — it's his baby — and it's emotional."
The deal was a transcendent moment for Karp, who created one of the world's busiest websites. It boasts 75 million daily posts and a user base that's loyal, young and hip. While Facebook has morphed into a mainstream social network where grandparents talk golf, Tumblr is still that little corner of the Internet where the cool kids hang out.
True to the company's laid-back, jeans-and-sneakers culture, Karp's wry sense of humor remained intact on Monday morning, when all employees were summoned to a meeting in Tumblr's New York headquarters. Cognizant of media reports that Tumblr was on the verge of a sale, everyone waited with bated breath as Karp kicked off the meeting with a tongue-in-cheek announcement: It was time to formulate a new "dog policy."
"We have gone above and beyond with our dog policy," he told them. "There is now one dog for every five people in the office at Tumblr at any given time. So we are needing to figure out a better bathroom situation."
With just six years of Tumblr's existence under his belt, Karp told The Associated Press that he still considers himself to be a green executive. But he's learning that he can no longer play the same role that he did in the early days, when he spent most of his time writing computer code.
"Now the team that I get to work with writes much better than me," he said.
Today he's the "chief motivator, the guy jumping around every week to make sure the employees are excited about the product we are building and the direction we are headed in," Karp said.
"He doesn't have a pretentious or egocentric bone in his body," said Steve Nelson, the head of The Calhoun School, a private institution Karp attended until the eighth grade. "He doesn't take himself too seriously."
Yahoo said Monday that Karp will remain in control of the service in an effort to retain the same "irreverence, wit and commitment to empower creators."
Tumblr, which will remain based in New York, has a minuscule 175 employees, compared with Yahoo's 11,300.
Yahoo CEO Marissa Mayer showered praise on her new employee, saying Karp possesses a rare combination of computer programming prowess and a sense of aesthetics.
"He will be one the legends of his generation in terms of an entrepreneur who has really changed the way people express themselves," Mayer said.
When he was a little boy, Karp showed an early fascination with electronics and liked to pull toys apart and reassemble them, his mother recalled. By age 14, he liked girls and playing video games like other teenagers, but they never fascinated him as much as the promise of computers.
"It was mostly about figuring out how to make computers do the things that I wanted to see them do," he said.
Though he was enrolled at The Bronx High School of Science, a prestigious New York City public school, attending the school required him to make the long commute to the city's northernmost borough every day. And he found himself wanting more freedom to explore the digital world on his own.
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Theresa Beach
member for 5 years, 9 months, 9 days
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I started taking photos for myself, my family trees. As I walked through the gravesyards and took pictures, I realized that I needed to do the entire cemetery. I do so with all the respect of those you have loved and lost. My goal is to take a photo that will touch the heart of someone who has never been able to visit the final resting place of their family and friends. And I hope to some it will bring you closure. For some of you, it gives you a concrete (no pun intended) object of that person for you to identify with.
I am looking for family names such as, Suggs, Hunter, Beach, Dunnahoe (there are several spellings, I will take them all!), Cochran, Green, Griffths, Moore, Jackson, Key, etc.. I have a huge family list of names. I cover every state in our nation as well as England, Scotland, Wales, Ireland, Germany and France and probably more.
If I have made a mistake, or you would like any additional information added please let me know. I am always happy to add links etc. I am only human and I DO make mistakes.
If you would like a memorial transfered, please use the findagrave guidelines and use the correction section with your member number.
Photo's: Please consider any photo's that I have taken a gift to you. I do ask that when using them on other web sites that you please give credit, where credit is due.
Why do I ask for corrections, additions, etc., be requested through the edit field? Because that is the only way I can ensure that I am adding or correcting the info to the correct person. Transfers must also be requested through the edit field.
I will be working on my local area, Natchez, Roxie and Fayette, first. I have made a committment to myself to go to as many cemeteries as possible. I will photo every tombstone in the cemetery and gather whatever information possible to make sure I have done a good job. Again, I do make mistakes, but I am willing to fix them.
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Kati Dayton
Gwen White
Dear Ma'am,
My name is Kati Dayton. I am Gwen White's sister. The information you posted about her is wrong. My sister died in 1992. Thank you.
Added by
Kati Dayton
on Sep 21, 2015 8:42 AM
Michael Anders
Davis Family
Theresa, I am wondering if you have any pictures of Enoch G. Davis, Sabra Bynum Davis (These are my great great grandparents)? If so, can you email them to me my email address: email@example.com Thank you.
Added by
Michael Anders
on Aug 28, 2015 10:37 AM
John Madison Davis
Could you please put Enoch G. Davis as his father and Sabra A.(Bynum) Davis as mother on his memorial..Franklin County Ms. My great grand parents and he is my great uncle...Thank You.
Added by
on Jul 19, 2015 11:40 PM
Virginia Weeks Warbington
John Weeks
Thank you so much!
Added by
Virginia Weeks Warbington
on Feb 16, 2015 11:59 AM
Sherri Bowen
Thomas G. Hunt
I edited and changed the middle initial. Its being reviewed at this time. This is my dad's grave, his name is Thomas Grady Hunt. It should be a "G" instead of a "C". Can you please see that this is changed.
Thank you very much,
Sherri Hunt Bowen
Added by
Sherri Bowen
on Dec 27, 2014 11:31 AM
Kenneth Byrd
Please add
George H. Helbig
Born 11-19-1953
Died 12-20-1974
Added by
Kenneth Byrd
on Nov 09, 2014 11:11 AM
Sue K
wm Monroe Latham
William Monroe Latham
Im hoping you might assist me in locating the family of Wm M Latham. Thank you, mimisue
Added by
Sue K
on Oct 11, 2014 10:01 PM
Mary Herman
I know that this is very time consuming . Thank you for all your efforts.
Lynn Herman
Added by
Mary Herman
on Sep 20, 2014 7:47 PM
Michael Anders
Lenora Finley Bowman #87345105
Hey Theresa, Can you tell me if we are related to Ms. Lenora Bowman in the Anders side of the family?
Added by
Michael Anders
on Jul 25, 2014 8:27 AM
Amy Partridge Nichols
thank you
thank you so much for photographing my father's grave. i stumbled across this and was surprised but it made my day <3
Added by
Amy Partridge Nichols
on Jul 17, 2014 3:40 AM
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text: I am using dell inspiron desktop installed with the windows 7 operating system. Recently i have purchased the Microsoft Intellimouse which i want to use with my system but when ever i connect it with the system i cannot use the back word as well as the forward button present in the opera browser with the microsoft Intellimouse. Please help me in this matter thanks in advance.


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Oklahoma City tech company wins spot in international startup competition
A small Oklahoma City company that created an online application aimed at helping creative types collaborate online has gained recognition as one of the top 50 startup companies by an international conference in Vienna.
BitConfused co-founder Sandip Patel said he and his partner probably won't be able to attend the Pioneers Challenge later this month, "but the honor is still pretty amazing."
The application, called Cage, was selected as one of 50 finalists from more than 850 submissions from 58 countries.
The finalists win the opportunity to pitch their products for the chance to win 25,000 euros (about $32,000).
Patel said the event also offers participants a chance to reach a large number of venture capital representatives and individual investors.
The Oklahoma City product, designed to help teams and clients collaborate online, was one of only three finalists from the United States. It was the only one from Oklahoma.
Cage initially focused on Web design, but the current version is geared toward various types of creative projects, including illustration, video graphics and 3-D work. The application allows users to upload and present files, manage tasks, organize revisions and receive approvals in one secure environment.
The program has exited beta testing and is profitable, Patel said. Pricing ranges from $14 a month with access and storage that would be appropriate for a freelancer to $179 a month that offers much greater storage and access to an unlimited number of team members.
"We've signed up quite a few big companies: Starbucks, HGTV, Ogilvie (& Mather ad agency), Leo Burnett," Patel said.
He said the firm is not currently seeking new investors as the small company continues rolling out new product features.
"We've got paying customers — lots of them," he said. "We're growing steadily. There are not many complaints right now."
To see the Cage website, go to


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Introducing the Thermo-Differential Valve
The Thermo-Differential Valve by Conico Valve Technology is a unique self-actuating 3-way switching valve that presents a very effective, reliable and economic method of enhancing the thermal layering (stratification) in thermal storage systems with variable input temperatures (e.g. solar thermal), or multiple input temperatures (e.g. space heating & domestic hot water combi-systems), thereby boosting their performance and thermal efficiency. The Thermo-Differential Valve is installed directly on the storage tank inlet and uses an extremely reliable switching mechanism to direct the flow to different levels in a storage tank, based on the temperature difference between the water flow through the valve and the water inside the storage tank, as illustrated by the animation below.
- Press PLAY to see the three Thermo-Differential Valves switching position as the conditions change
- Under bright sunlight, the Thermo-Differential Valve directs the solar return-flow into the top inlet of the tank
- As the temperature of the solar return-flow drops and falls below the storage tank temperature at the top inlet, the return-flow is bypassed to a lower inlet into the tank
- The solar return-flow temperature drops further to below the storage tank temperature at the second inlet, and the return-flow is bypassed to the lowest inlet into the tank
- Under bright sunlight again, the space heating is turned on and the Thermo-Differential Valve directs the return-flow into the bottom inlet of the tank
- Domestic hot water consumption causes the storage tank temperature at the bottom space heating inlet to fall below the temperature of the space heating return-flow, which is therefore bypassed to a higher inlet into the tank
Besides directing the flow to different levels in a single storage tank, the Thermo-Differential Valve can also bypass a storage tank and direct the flow to a second storage tank, creating a stratified cascade arrangement of multiple storage tanks, and it can even bypass the storage system completely when no useful heat is available, and direct the flow straight to an auxiliary boiler.
Working Principle
The self-actuating technology (patent pending) of the actuator is based on mass-transfer inside the actuator, driven by vapor pressure differences, in response to one part of the actuator becoming warmer than the other, which makes it completely independent of the actual temperature of the water; it responds purely to temperature difference. As the liquid inside the actuator flows from the warmer section to the cooler section, there is a change in the buoyancy of the section that protrudes into the storage tank changes, which acts as a float when it is filled with vapor, but sinks when it is filled with liquid. This change in buoyancy of the float is what actuates the valve (with the buoyancy force amplified through leverage), the mechanism of which is illustrated by the animation below.
Click on the valve to see how it changes position in response to a change in temperature difference between process flow and storage tank
- Bypass position - the temperature of the fluid flow into the valve is lower than the temperature inside the storage tank, the fluid flow is directed through the bypass port
- The temperature of the fluid flow increases; as it surpasses the temperature inside the storage tank, the valve switches to its open position
- Open position - the temperature of the fluid flow into the valve is higher than the temperature inside the storage tank, the fluid flow is directed into the storage tank
- The temperature of the fluid flow decreases; as it falls below the temperature inside the storage tank, the valve switches to its bypass position
The interval of temperature difference in which the mass-transfer takes place is very small, typically around 1˚C, and outside this interval the actuation force remains almost constant, regardless of whether the temperature difference is 4˚C or 40˚C, which means the actuator can operate over a very broad temperature range. The straightforward working principle of the actuator, which does not require any springs, flexible membranes or seals (actuator completely made of stainless steel), makes the Thermo-Differential Valve extremely reliable and durable.
Benefits compared to traditional stratification approaches
Compared to a system using zone valves, the Thermo-Differential Valve offers:
- No controller, sensors or thermowells required
- Increased reliability; simple and robust design with no electrical parts
- No electricity consumption
- Very easy installation; no wiring, no controller setup
Compared to using a stratification diffuser, the Thermo-Differential Valve offers:
- Real increases in stratification due to the flow entering tank directly at the correct level, without loss of stratification due to tank water entering the diffuser (chimney-effect) and heat conduction between diffuser and tank
- Optimal stratification performance independent of flow rate, and of the temperature profile in the storage tank
- Suitable for applications with a variable flow rate
- The use of multiple layered storage tanks in series, and the ability to bypass tanks and go directly to auxiliary heater
Valve Types
The Thermo-Differential Valve has two basic configurations;
|The flow enters the storage tank if its temperature is higher than the temperature in the storage tank (at the position of the float inside the tank), and bypasses the inlet when its temperature is lower.
|This configuration is ideal for the flow adding heat to the storage tank (e.g. solar panel).
|The flow enters the storage tank if its temperature is lower than the temperature in the storage tank (at the position of the float inside the tank), and bypasses the inlet when its temperature is higher.
|This configuration is ideal for the flow drawing heat from the storage tank (e.g. space heating).
The valve actuates based on the temperature difference (ΔT = Tflow – Tstorage) being either positive or negative at the position of the inlet (with small offsets due to the float changing position as the valve actuates; this hysteresis prevents rapid switching of the valve around the point of zero temperature difference).
Benefits of Thermal Layering
The Thermo-Differential Valve enhances the performance and efficiency of thermal storage systems by directing the water flow to the most appropriate level of the storage tank, thereby creating and maintaining a high degree of thermal layering (stratification) in the storage tank of storage systems:
- where one of the flows into the tank is variable in temperature
- where multiple heat sources are adding heat to the tank at different temperatures levels
- where multiple flows, with different temperature levels, are drawing heat from the storage tank.
Thermal storage systems benefit from a high degree of thermal layering in the storage tank, because this prevents the heated water in the top of the tank from mixing with colder water below, which increases the output performance of the storage system, and it also prevents the cold water in the bottom from mixing with warmer water above, which increases the efficiency of heat sources such as solar, and also of condensing boilers.
TDV Datasheet


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Are there other places you can take your car to to get the serial # off the back of the radio to reset the code after a battery replacement that would be less expensive then an Acura dealership?? I live in Plano. Thanks!
by rww in Plano, TX on April 28, 2010


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2 Replies. Posted by EdwardisWong in Beauty.
Hey, I was just wondering what fragrances that are unisex would you recommend? I'm looking for something fresh but not like a overwhelming all clean smell. I'd like to try something avant garde and completely unique if you know what i mean.
Idea for something fresh & unisex…Peppermint (or most any kind of mint). Layer it with something else kind of pungent, like a licorice/anise/fennel or maybe a coffee/espresso for depth and energy. And then add a third note of something warm/spicy, like cinnamon or clove. Don't go too overboard with stronger scents like coffee & clove. In fact, if you want something lighter, try Lemongrass (which may be hard to find in certain areas) has a fresh, light, and lemony scent. Get nutty with a hazelnut or almond extract. Or get a bit sweeter by adding honey or milk-scented oils. (Don't try using eating honey, it's way too sticky.)
Hope that helps.
6 Replies. Posted by Lainnie in Beauty.
my hair stands upon the top of my head like just the little hairs… help me!!
I always use my hair iron to make my hair less frizzy… I just slide really softly over the 'top layer' of my hair. I don't really iron it, so my hair doesn't become pokerstraight. It's just to make it shiny and non-frizz.
2 Replies. Posted by 95854 in Beauty.
jeez! i cant figure out how to rid them!
help! SOS!
I switched to the Clinique 3 step routine and it's helped sooo much.
Also if you want a quick at home thing putting on a honey aspirin mask is way helpful.
Here's how
10 Replies. Posted by kayeseven in Beauty.
i've really been searching for YEARS for the perfect facial cleanser for me, and i haven't found the right one yet.. i need help you guys.
have you got any ideas? what do you use? i want to even out my skin tone and prevent blemishes. which affordable one should i buy?
thanks a lot you guys!
I use The Body Shop Seaweed scrub, Biotherm cleanser (it works wonders for me!!) and Lancôme moisturizer and tone which are both good!
12 Replies. Posted by ashleykshields in Beauty.
Just a tip: if you want soft kisseable lips for a date, the night before rub a wet cloth over lips a few time then apply a light layer of carmex to your lips. Then go to sleep! When you wake up the next day your lips will be ready to take on whoever!!
ohh i need to try all this! The winter isn't good to my lips! I tend to have very dry lips, and i'm constantly putting on Burts Bees…
Also—- don't use Chapstick- as it contains ingredients that just dry out your lips so you'll be back to buy more! Stick to Burts Bees, Blistex and Carmex
4 Replies. Posted by Lizzeth in Beauty.
My hair is layered, really thick and course on top and then fine on the bottom layers. Its hard to get a desirable look thats effortless with the inconsistency of my hair. Im a brunette with relatively long hair that is usually pretty wavy. Any tips or products on how to get ANY look (curls, straightened, beachy) that you think would help me out?
try to de-frizz your hair after bathing, when hair is damp. loreal elseve anti frizz serums may work just fine, and is affordable too. then style away! to get lovely natural curls, (which doesn't look messy) try putting hair in two low buns when hair is damp and let air dry. then release hair. viola! beach wave hair! you can also try putting it in two braids. same thing =)
5 Replies. Posted by clickers in Beauty.
K, so i have over a gazilion blackheads all over my nose, and they look and bother me sooooo much. I also have a promblem with the redness of acne, . And i dont feel great having to wear makeup everywhere to hide it. jus sooo uncomfortable
I use Clean and Clear's Blackhead scrub! I think it' works, and I've heard alot of good things about the Biore strips, but I don''t get them too bad! I do start noticing them after I don't use the face wash though!
6 Replies. Posted by PeaceBunny in Beauty.
Ugh. I don't know what to use. I've even tried baby oil. Now that it's getting colder it's getting worse. Any help?!?
Use a moisturizing body wash, too (I like Dove Nutrium…actually, I use the Target knockoff). Personally, I use a cocoa-butter-based lotion from The Body Shop, but if your skin is really dry I'd go with what other people have said and try shea butter. It's a little heavy and takes longer to absorb – use it after taking a shower, and if you feel dry during the day you can use a lighter/faster-absorbing lotion.
5 Replies. Posted by Joyfull in Beauty.
i just got a boob job (i am now a b cup) but i cant where a bra for almost a month and my boobs have to be binded down with gauz. If anybody who has been though the same thing has any secretes or clothing tips for not looking completly flat for the next month i'd be sooo thankful!!!
mhm good luck. i employ all of those tips all the time since my own chest is on the smaller side!
0 Replies. Posted by mugees in Beauty.
Protein is in many foods that we eat on a regular basis.Proteins are part of every cell, tissue, and organ in our bodies. These body proteins are constantly being broken down and replaced. The protein in the foods we eat is digested into amino acids that are later used to replace these proteins in our bodies.Meats, poultry and fish legumes (dry beans and peas) tofu eggs nuts and seeds milk and milk products grains, some vegetables.Compare the amount of meat, poultry, fish, eggs, legumes, nuts, and seeds you are eating per day to what is recommended. As an example, if you a 48-year-old female who is active less than 30 minutes a day only needs about 5 ounces each day from the meat and beans group. Some pre-cut slices of meat and poultry, such as a pork chop or chicken breast, can be four to five ounces each. You can see how it would be easy to eat too much Save your money and don't buy the protein supplements.
9 Replies. Posted by allybell in Beauty.
I was just wondering if anyone had any advice as to what they do with bangs that are at that awful half way grown out stage, but want to keep growing them out?
i just twist them so it's somewhat curly, then secure it with a bobby pin so it's out of my face
5 Replies. Posted by dnase in Beauty.
I have really thin and fine (Asian) hair. I wish it were a bit thicker/had more volume. Does anybody have any products to recommend that can give my hair more volume and/or encourage hair growth? Or other ways to encourage hair growth? Thank you!
its does!!! i have asian thin hair and definately works for me
5 Replies. Posted by MissyChickadee67 in Beauty.
We have this big formal event coming up at school, and I'm still looking for a dress. Could ya'll help me out?
The requirements are:
It has to be floor-length
It has to have straps
Other than that, go to town! :)
floor length really? wow, can't have tea length?
well, i did some searching cause i love shopping for dresses. here are a few i think are pretty darn cute.
I really like this one.
Also, if you are brave enough, you could try making the infinity dress It doesn't look too difficult, you can make the length to your desire and wear it many different ways
10 Replies. Posted by lovelyyx in Beauty.
i know normally the answer would be no, but i'm 5'11. i want to lose like 50-70 lbs. i'm about 210 now, but honestly it doesn't look as though i'm that big (trust me i'm my own worst critic)i wear a medium in tops and a L in skirts and dresses. i feel like i'll still be the same size because of my height. like length wise. and i'm not big boned but i def don't have a frame that would allow me to be stick thin.
what do you think?
I think they'll just be more loose.
6 Replies. Posted by vintagejenna in Beauty.
So I just bought a pair and I was wondering if they really work? Does anyone have a pair?
I have some, you don't really see a big difference at first but after a week or so I started noticing the effects, especially with my butt and inner thighs. :) They're definitely worth it.
1 Reply. Posted by IntrinsicallyFlorrie in Beauty.
Well for NYE I wanted to wear some green nail polish that I'd been neglecting, but I'd run out of base coat and went and did it anyway.
I took it off and what's left is not good- my nails look like they've been dip-dyed in yellow! Urgh. I've never had this happen before and I would reallu like to get rid as soon as possible because I do not feel ladylike when I look at them.
I've been using Sally Hansen Instr-brite nail whitener but it hasn't made a huge difference.
Does anyone have any tips? Any help would be much appreciated. :)
Ive heard that soaking them in some lemon juice with a bit of water works.. or one of those effervescent tabs for dentures should work too
5 Replies. Posted by Tasmin in Beauty.
i am naturaly slim but, i know it sound really wierd, but my bottom ribs always stick out. people alway say that they stick out more then my breasts. its really getting me down and i was wondering if anyone else has the same probablm i feel so abnormal. xoxo thanyou
I had the same issue with my body when I was a teenager, but as I developed, it minimized and then disappeared completely. As a nice side effect, my waistline looks small, and I have a more pronounced hourglass figure.
4 Replies. Posted by MissLaydii in Beauty.
So I read on one of my fb friend's posts that vitamin E makes your skin brighter more even and glowy. At first I was like "oh kay buddy", but after reading up on it, it turned out to have some truth to it.
So what did I do, I went through our medicine cabinet to see if we had some. I've been taking it for about two weeks now, and I can see a slight change, nothing major…
Has anyone ever taken or is taking vitamin E for they're skin? And if you are is it working? What kind of vitamin E (supplements, oil, creme?).
Also, what other products can you recommend for brighter, glowy skin, if any??
i think you just need to make sure you're well hydrated really, which is also good for overall health
2 Replies. Posted by oliviab in Beauty.
hey I just thought I would tell you all about these designer discount websites they are amazing
and then there are these websites I don't know them too well but I have heard lots of good reviews from them
Wow. Thank you so much! Usually I do the Ebay thing…
16 Replies. Posted by mariezee in Beauty.
So I'm wondering what everyone's favorite concealer is? I"d like to know if any other Chictopians have naturally dark under-eye circles and what they do to lighten them up. I have ALWAYS had naturally dark circles under my eyes, it's in the genes I guess! Right now I'm using Vivier dark circle diminisher plus Maybelline concealer but I'm not sure how much it's helping. Any suggestions would be appreciated!
Thanks Lovelies!
Clinique. Elf. MAC. Brilliant invention! I wouldve kissed the creator til I was blue in the face!
12 Replies. Posted by wayfaring_stranger in Beauty.
I'm looking for a new job and I just put blue highlights in the top layers of my hair. Do you know of any places that won't care about hair color?
Definately try some trendy shops, music stores, art galleries or hair dressers. Any place that involves art or fashion will appreciate your look.
1 Reply. Posted by lexi in Beauty.
Check out or new online fashion editorial
You will love it
You were right!
11 Replies. Posted by Myaroc in Beauty.
If you smash a birth control pill and mix it with you regular shampoo then use it normally and your hair grows REALLY fast that way :), just found out today that it really works.
My hair didn't grow any faster when I was on birth control, and it was in my system then.
27 Replies. Posted by rotting in Beauty.
I have some questions! What do you eat? Haha. I mean, i've been trying to eat better but, i don't know what to buy that's healthy..or what to eat really outside of veggies and fruits, of course. And making better choices such as picking wheat over white, etc etc. But, i can't stay away from those sugary, calorie full, fat full, yummy treats because i run out of healthy food ideas! I plan on buying my own groceries from now on so i have my own healthy selection of foods. So does anyone have any suggestions, advice, or good healthy recipes to share?
I'm also trying to stop eating meat so…if you're vegetarian/vegan that's even better! :)
Instead of drinking soda, mix it up with something.
Coke/Pepsi/orange soda/dr. pepper + milk.
sprite/7up + water.
1 Reply. Posted by Lexxxxxx in Beauty.
Okay so on new years eve i'm wearing this dress: http://www.freepeople.com/index.cfm/fuseAction/products.detail/_/Sequined-Mesh-Slip/productID/c3316a79-a501-43f0-83e7-a90bf0d61670/categoryID/af65116f-fa8e-4443-9147-bf331b88f1ef/
with tights and heels (i will post the outfit later) but since my dress is so sparkly i was wondering what makeup i should wear. I just got the urban decay book of shadows vol 2, MAC sexpot smoky pigments, and the sephora block buster palette so if anyone could put together a look for me or send me a link for a look that would be AWESOME! thank you so much!
i have that dress :) really pretty!
i wouldn't be too heavy on the make up. focus more on your eyes. black liquid eye liner on top (sort of a cat eye look perhaps) and pencil on the bottom.
or you could try the smoky eye effect.
+ moisturizer + foundation (if needed) and you can add red lipstick for the whole classy look.
0 Replies. Posted by epicenigma in Beauty.
I will be getting waxed at the end of January, so I have some time to prepare/panic!
I have had my legs done before & regularly get underarms done, but this will be a new experience for me. I know about the aftercare that has to happen to prevent irritation & ingrowns on these areas- no soap/deoderant, no tanning for 24 hours, etc. I also know that the hair should be no longer than 1/2 inch when I go in.
Any advice on how to get through this will be greatly appreciated!
5 Replies. Posted by mikeandikes in Beauty.
so has anyone seeen this nailpolish?
it reminds me a lot about when the sun light hits the snow and it glitters.
its a part of the holiday collection.
what do you guys think?
you guys can find this on my blog:
try ebay.
thats how i found mine.
0 Replies. Posted by Mayia in Beauty.
Can anyone of you recommend a good primer with at least SPF 20? I tried "Becca" (SPF30) and "Clinique" (SPF25) but am not loving them. I love the primer "prime time" by "Bare Minerals" which has a gel base but is not avilable with SPF…Any experiences from you?
1 Reply. Posted by fierce_glamour in Beauty.
I don't ever wear lipstick, but decided to do red lips this past weekend for a holiday party. I looked at a number of brands in pencils, stains, glosses and tubes. But I ended up with NARS Matte Velvet Lip Pencil in Pop Life, which is almost idiot proof. It lasted almost all evening long, ( I reapplied once or twice for pictures) and was the perfect holiday red color!
i lovee nars lipliner to its amazing
0 Replies. Posted by romadey in Beauty.
Veria is offering 50% off on its entire range of Chandra Ayurvedic Skin care product- http://www.veria.com/newsletter/chandra/chandra.html you will also get FREE rose water sample.
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Ombudsman's Office of the Republic of Latvia has received highest "A" status accreditation by the International Coordinating Committee of National Human Rights Institutions Sub-Committee on Accreditation.
Ombudsman's Office of the Republic of Latvia has published translated (in English) Annual report on the year 2014.
Today, on October 16, from 11:00 to 12:00 OSCE High Commissioner on National Minorities Astrid Thors will visit The Ombudsman's Office of the Republic of Latvia. Agenda of the meeting between Ombudsman Juris Jansons and the OSCE High Commissioner includes issues of bilingual education in Latvian, progress in the fight against discrimination and other minority issues.
Ombudsman's Office of the Republic of Latvia has published its Annual report on the year 2013 in English.
From May 21st till 22nd representatives of Organization for Security and Cooperation in Europe visited Latvia on issues related to national minorities in Latvia. OSCE High Commissioner of National Minorities representatives – senior adviser Jennifer Croft and senior legal adviser Laurentiu Hadirca and Ombudsman of Latvia Mr. Juris Jansons had fruitful meeting.
Ombudsman Office prepares and disseminates explanation for international cooperation partners and foreign embassies about situation of national minorities education in Latvia.


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On your wedding day like every bride you want your wedding makeup and hair to look absolutely breathtaking. Samantha and her team...
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Sunwest Auto Plaza Services
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About Sunwest Auto Plaza
Sunwest Auto Plaza located at 13800 SW Us Highway 54 in Andover, KS services vehicles for Auto Repair. Call (316) 733-9000 to book an appointment or to hear more about the services of Sunwest Auto Plaza.
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Meeting Planner Services
Get a standing ovation for your next big event in New York, NY. Print your event materials early with us so they're waiting for you at your event. From business cards to complex process printing, the FedEx Office at 811 7th Ave can do it all.
Exhibitor Services
Have your posters gone missing? Banners get banged up in transit? The FedEx Office location on site in New York can help you solve last-minute crisis or plan for your next event with quick turnaround on signs, banners, floor graphics and more.
Open a Location
Turn your business center into a high-functioning, state-of-the-art amenity for your guests. We do all the work so you can focus on managing your property.
Notice: Shipments into and out of a hotel or convention center featuring a FedEx Office location are subject to receiving or handling fees in addition to the transportation charges incurred for shipping, regardless of the transportation carrier. Please contact your destination FedEx Office hotel or convention center for details.