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text:
The Conqueror
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|rider, horse, soldier, flag, armor, warrior, brave, courageous, silhouette, war, Jesus, eschatology, end, reign, rule, kingdom, king
|Inspirational illustration of 1 Corinthians 15:25-26 -- For he must reign until he has put all his enemies under his feet. The last enemy to be destroyed is death.
|Paul Lee
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subset: commoncrawl


text:
Check Your Admission Status
Document processing takes at least five (5) working business days, so please allow that time before checking your status. During the month of any document deadline, the processing time is slower due to the volume of materials we receive.
If we received any of your documents before you submitted an application you must resubmit those documents. It is your responsibility as the student to make sure your application documents are in order before the deadline.
Missing Items Letters
After we receive your application and fee payment, we will attempt to send you a missing items letter via email and the postal service. This letter will confirm which application documents have not been received or processed by the date the letter was sent. Below is a key for common missing items to help you make sense of what is still needed to complete your application:


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Communities5 communities
(When my mom – ex middle school science & economics teacher – asks about monetary and fiscal stimulus) When does an economy grow? At a simple level, when earning/spending increases. People and companies spend more when they have more money. They get more…
I worked with one backend-as-a-service (BaaS) provider, Quickblox, where I saw closely users vetting the provider for stability and scalability (successfully). And I followed the rise, sale & fall of another, Parse, where we're all seeing the impact of…
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Susie Chan's latest blog on here 100k run, Race To The Stones is a gruelling running event with the North Face team. Read about her run here
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Fenix brings you a fresh Twitter experience for your Android smartphone and tablet. Tired of the same old Twitter apps? Give Fenix a try and
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Check in from 15h / Check out prior to 11h
Aldea Bonita: Find photos, reviews, information, amenities and compare prices for 4 stars hotels in Villa La Angostura, Argentina.
Located at the foot of Cerro Bayo, Aldea Bonita provides a comfortable base in Villa La Angostura and features a sauna and a Jacuzzi. It also offers a 24-hour reception, a steam bath and massage services.
Hotel description
Those staying at Aldea can enjoy the stylish rooms that provide a private bathroom and a telephone. The hotel also has several connecting rooms to accommodate families.
Aldea Bonita Hotel Villa La Angostura offers breakfast each morning that guests can enjoy before venturing out to explore the surrounding area.
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Users who viewed Aldea Bonita also viewed these 4 stars Villa La Angostura hotels:
Patagonia Paraiso Hotel Villa La Angostura
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Sol Arrayan Hotel & Spa
Ruta Nac. 231 Km 64,5, Villa La Angostura
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Los Pinos 147, Villa La Angostura
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text: Drunk Cross Dance Uploaded 05/02/2011 doing the cross dance drunk Share Video REPLAY VIDEO Drunk Cross Dance NEXT VIDEO President Obama is DEAD!!!!???? EPIC FAIL FOX5 RELATED MEDIA Drunk Guy on Motorcycle Fail Drunk Guy in Latvia Drunk Fatty Dancing Old Drunk Guy Dancing Old Drunk Lady Dancing Drunk Babes Table Dance Fail! Dancing Woman Seeks Sexual Healing Drunk Guy Dancing Takes a Spill Drunk Concert Goer Takes A Spill Drunk Man Falls From Scafold Drunk Girl + Pole Dance = Bloody Wedding Disaster Drunk Chick Dances Right Off the Bar Drunk Chick Falls Off Boat Drunk Guy Dancing Drunk Table Dancer Drunk vs Baby Epic Dancing Cat Drinks Its Weight In Whiskey Drunk Girl on a Glass Table Krumpers vs Clowns Autoplay On Next Video Share Tweet Stumble Email Pin It Embed: Use old embed code Use new embed code Tags: funny dance cross wtf NEXT VIDEO President Obama is DEAD!!!!???? EPIC FAIL FOX5 0 Comments Login to Comment


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Endocrinology opportunity in metro Atlanta
Competitive salary, plus signing bonus
Find yourself in a better place with Piedmont Healthcare. Piedmont Healthcare is seeking a Board Certified/Board Eligible Pulmonary/Critical Care Physician to join the expanding Pulmonary/Critical Care/Sleep division in Metro Atlanta, Georgia.
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Board Eligible/Certified Internal Medicine Inpatient Hospitalist Physicians Needed to Join Piedmont Healthcare - All locations.
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Written on: 16/02/2008
Bad Points
the hardware fades from gold to chrome after a while
General Comments
sounds great and looks great for the money. A good guitar for the price highly recomended.
As rated by our community of reviewers
" I have one. It's really great. It is versatile and the two micropho... " Read More
" Great guitar only downfall is levelling the tension on the rose.Gre... " Read More
" The Korean model has better build quality than the Indonesian model... " Read More
" Looked well made, sturdy and attractive. Good size for kids. Howeve... " Read More
" Epiphone '56 Goldtop " Read More
Written by Patrock


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Maternal mortality refers to deaths due to complications from pregnancy or childbirth. From 1990 to 2015, the global maternal mortality ratio declined by 44 per cent – from 385 deaths to 216 deaths per 100,000 live births, according to UN inter-agency estimates. This translates into an average annual rate of reduction of 2.3 per cent. While impressive, this is less than half the 5.5 per cent annual rate needed to achieve the three-quarters reduction in maternal mortality targeted for 2015 in Millennium Development Goal 5.
Every region has advanced, although levels of maternal mortality remain unacceptably high in sub-Saharan Africa. Almost all maternal deaths can be prevented, as evidenced by the huge disparities found between the richest and poorest countries. The lifetime risk of maternal death in high-income countries is 1 in 3,300, compared to 1 in 41 in low-income.
The number of women and girls who died each year from complications of pregnancy and childbirth declined from 532,000 in 1990 to 303,000 in 2015. These improvements are particularly remarkable in light of rapid population growth in many of the countries where maternal deaths are highest. Still, over 800 women are dying each day from complications in pregnancy and childbirth. And for every woman who dies, approximately 20 others suffer serious injuries, infections or disabilities. Almost all maternal deaths (99 per cent) occur in developing regions.
Two regions, sub-Saharan Africa and South Asia, account for 88 per cent of maternal deaths worldwide. Sub-Saharan Africans suffer from the highest maternal mortality ratio – 546 maternal deaths per 100,000 live births, or 201,000 maternal deaths a year. This is two thirds (66 per cent) of all maternal deaths per year worldwide. South Asia follows, with a maternal mortality ratio of 182, or 66,000 maternal deaths a year, accounting for 22 per cent of the global total. Furthermore, regional and global averages tend to mask large disparities both within and between countries.
Haemorrhage remains the leading cause of maternal mortality, accounting for over one quarter (27 per cent) of deaths. Similar proportion of maternal deaths were caused indirectly by pre-existing medical conditions aggravated by the pregnancy. Hypertensive disorders of pregnancy, especially eclampsia, as well as sepsis, embolism and complications of unsafe abortion also claim a substantial number of lives.
The complications leading to maternal death can occur without warning at any time during pregnancy and childbirth. Most maternal deaths can be prevented if births are attended by skilled health personnel – doctors, nurses or midwives – who are regularly supervised, have the proper equipment and supplies, and can refer women in a timely manner to emergency obstetric care when complications are diagnosed. Complications require prompt access to quality obstetric services equipped with life-saving drugs, including antibiotics, and the ability to provide blood transfusions needed to perform Caesarean sections or other surgical interventions.
Nearly all (99 per cent) of abortion deaths are due to unsafe abortions.
**This category includes deaths due to obstructed labour or anaemia.
Source: Source: Say L et al. 2014.
The lifetime risk of maternal death is the probability that a 15-year-old girl will die from complications of pregnancy or childbirth over her lifetime; it takes into account both the maternal mortality ratio and the total fertility rate (average number of births per woman during her reproductive years under current age-specific fertility rates). Thus, in a high-fertility setting, a woman faces the risk of maternal death multiple times, and her lifetime risk of death will be higher than in a low-fertility setting. Similar to maternal mortality ratio, the lifetime risk of maternal death varies largely across countries. In 2015, the lifetime risk of maternal death in low income countries as a whole was 1 in 41, compared to 1 in 3,300 in high-income countries. Among regions, women in sub-Saharan Africa face the highest lifetime risk (1 in 36), followed by South Asia (1 in 200).
*Income groups refer to World Bank income classification in 2015.
Source: WHO, UNICEF, UNFPA and The World Bank, Trends in Maternal Mortality: 1990 to 2015, WHO, Geneva, 2015.
AbouZahr, C., and T. Wardlaw, 'Maternal Mortality at the End of the Decade: What signs of progress?', Bulletin of the World Health Organization, vol. 79, no. 6, 2001, pp. 561─573.
Khan, Khalid S., et al., 'WHO Analysis of Causes of Maternal Death: A systematic review', Lancet, vol. 367, no. 9516, 1 April 2006, pp. 1066─1074.
Say L et al., 'Global causes of maternal death: a WHO systematic analysis' Lancet Global Health. http://dx.doi.org/10.1016/S2214-109X(14)70227-X, May 6, 2014.
UNICEF, Progress for Children: Achieving the MDGs with equity, Report No. 9, UNICEF, New York, 2011.
UNICEF, Progress for Children: A report card on maternal mortality, Report No. 7, UNICEF, New York, 2008.
UNICEF, WHO and UNFPA, Guidelines for Monitoring the Availability and Use of Obstetric Services, UNICEF, New York, 1997.
WHO and UNICEF, The Sisterhood Method for Estimating Maternal Mortality: Guidance notes for potential users, WHO, Geneva 1997.
WHO, UNICEF, UNFPA and The World Bank, Trends in Maternal Mortality: 1990 to 2015, WHO, Geneva, 2015.
Trends in Maternal Mortality: 1990 to 2015
This summary presents new estimates of maternal mortality produced by the Maternal Mortality Estimation Inter-Agency Group (MMEIG) as part of global and country monitoring of the Millennium Development Goal five. The estimates for 1990 to 2015 presented in this summary are the eighth in a series of analyses by the MMEIG to examine global, regional and country progress in reducing maternal mortality.
For detailed notes on maternal mortality data and estimation procedures please se: WHO, UNICEF, UNFPA and The World Bank, Trends in Maternal Mortality: 1990 to 2013, WHO, Geneva, 2014.


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User talk:BlueRbt
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Shure BLX14UK/B98 Wireless Clip On Instrument Microphone System
Shure BLX14UK/B98 Wireless Clip On Instrument Microphone SystemDetails
The Shure BLX14UK/B98 is a wireless instrument microphone system featuring the Beta98 H/C (WB98 H/C) cardioid instrument condenser microphone, BLX1 bodypack transmitter and BLX4 dual diversity receiver.
Product Ref: 38673View Full Description
Buy on finance from £10.35 per month Finance from £10.35 per month
To make it as easy as possible for you to get the gear you want, we offer a range of instant finance options. If you spend £250 or more online, you can choose to pay over 48, 36 or 24 months. The majority of decisions are given instantly, so you could get your new gear sooner than you thought!
Representative Example
To help you understand how our finance options work, the examples below are based on a total order value of £250:
|Deposit to Pay
|Total Payable
|Classic Credit 48 Months 14.9%
|No Deposit
|48 months: £6.83
Final payment: £6.83
No settlement fee
|Classic Credit 36 Months 15.9%
|No Deposit
|36 months: £8.65
Final payment: £8.65
No settlement fee
|Classic Credit 24 Months 18.9%
|No Deposit
|24 months: £12.41
Final payment: £12.41
No settlement fee
How to Apply
Applying for finance couldn't be easier - if your order totals £250 or more, simply proceed through the checkout as normal, then select Pay by Finance on the payment page, then click the orange APPLY FOR INSTANT FINANCE button. This will start your application with V12 Retail Finance, our finance partner, and completing this form should take approximately 10 minutes.
You should get an instant answer on whether your application has been successful, though in some rare cases V12 may need to look at the application in more detail.
Please note: This is only available on orders placed via the website and is not available in store or via phone currently.
Full DescriptionView Full Description
Comments from customers who bought this item:
The Shure BLX14UK/B98 wireless instrument system provides a responsive, open and natural sound offering high output levels before feedback with the flexibility and freedom of radio technology. Suitable for brass, woodwind, percussion and any other instrument with high sound pressure levels, the Beta 98 features an integrated clip system allowing it to be securely mounted to the instrument.
Fitted with a gooseneck arm and ratcheted swivel joint the Beta 98 can be easily placed into the optimum position to achieve the best sound possible from your instrument.
The BLX1 body pack transmitter also clips discretely onto clothing and allows reliable transmission of high quality audio, with up to 14 hours continuous use from 2 AA batteries. With a potential range of 100m, the BLX4 receiver is a rock solid system base ensuring dependable audio quality every time.
Providing professional instrument reproduction with incredibly reliable wireless performance, the Shure BLX14UK/B98 system is the ideal choice for brass, woodwind and percussion players when on the move!
The system includes: Beta98 H/C (WB98 H/C)instrument condenser microphone, BLX1 body pack transmitter and BLX4 single channel receiver with power supply.
Beta98 H/C (WB98 H/C) Cardioid Instrument Condenser Microphone
- Transformerless preamplifier improves linearity across the full frequency range.
- Provides high gain-before-feedback and excellent rejection of unwanted noise.
- Works with high maximum sound pressure levels (SPL) ideal for the demands of brass, woodwind and percussion instruments.
- Features a 1.6 m (5.3ft) high-flex cable terminating in a 4-pin mini-connector the wireless bodypack transmitter
- Tailored frequency response for open, natural sound reproduction
- Compact, lightweight construction provides a low degree of visibility
- Gooseneck, ratcheting swivel joint and gooseneck angle brace allows for optimum placement with fixed positioning
- Legendary Shure ruggedness and reliability
BLX1 Body Pack Transmitter
- Quick and easy receiver frequency matching
- TQG connection for use with Shure lavalier, headset, earset, instrument microphones and guitar cables
- Easily accessible On / Off switch
- Up to 14 hours of continuous use with 2 AA batteries
BLX4 Single Channel Receiver
- XLR and 1/4" output connectors
- Microprocessor-controlled internal antenna diversity
- Two-colour audio status indicator LED (Green: Normal audio level / Red: Overload / Clipping)
The product price includes a one year warranty and 30 day money back guarantee.
However, the Gear4music extended warranty scheme provides an enhanced service, and is designed to offer a higher level of protection than many 'free' warranties offered by some retailers and manufacturers.
The highlights of this enhanced warranty service are:
- Warranty is extended to 5 years from the date of delivery.
- Our Money Back guarantee is extended from 30 days to 90 days (terms apply after 30 days)
- Collection and delivery costs are included for the first two years
- Claim 50% cash back on the cost of the policy after 5 years if it has not been used!
- Warranty is transferable if the item is re-sold
- Loan or replacement equipment will be provided if the product isn't repaired within 30 days
- If an item can not be repaired, a similar alternative product or cash discount (as defined in this policy) will be offered
- The policy can be cancelled within 30 days, and at any time after that for a pro-rata discount
Please note that this extended warranty is currently only available on products sold within the EU or EEA, and is subject to the terms and conditions as detailed on the extended warranty certificate provided.
For customers in outlying areas of the country, the price of the Extended Warranty may be marginally higher, due to the potential for higher collection and redelivery transport costs.
This enhanced warranty is in addition to the standard Gear4music and manufacturer warranty policies, and the Gear4music terms and conditions of trade. No statement or condition of sale contained within these terms affects or restricts your statutory rights as defined under the Consumer Contracts Regulation 2014.
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text:
It's WildStar Week here at MMORPG.com, and we've partnered with Carbine Studios and NCsoft to bring you a week of exclusive articles and interviews with the characters of WildStar itself. Today Matt Mocarski, Art Director, Carbine Studios takes us through the creative process behind the WildStar reveal trailer. Check it out and then let us know what you think in the comments.
Ever since we announced WildStar back in August, the press and our fans have been saying so many kind things about our trailer that I thought it might be kind of cool to give everyone a little more insight to how it came together. It all came together through the hard work of a ton of creative people.
Read more of Matt Mocarski's Creating the WildStar Reveal Trailer.


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|Re:I'll never understand the mentality
|attached to Danger in the Big Blue Room
|Re:Maybe that's what they want.
|attached to Is the iToaster a Linux Box? Will there be Source?
|attached to Review:Garbage Collection
|An Idea...
|attached to Slashdot Moderation Phase 1.1
|damned fool (was: ESR is our Communist Tzar!
|attached to ESR On O'Reilly Summit
|[1] was: Um, actually, it's not
|Um, actually, it's not
|attached to Feature:A Brave New World
|RMS, ESR, and Bruce Perens all have pointy hair
|attached to Bruce Perens Resigns From OSI
|Guns have many uses!
|attached to Open Letter to the Emulation Community
|attached to In Defense of Anonymous Cowards
|And they say she's not a prodigy
|attached to Faster Encryption Algorithm Found By 16 Year Old Girl
Their idea of an offer you can't refuse is an offer... and you'd better not refuse.


text:
For more than four decades, the food industry has insisted that our growing waistbands were the result of our over consumption of fatty food and lack of exercise. We have been told to stop being lazy, eat "low fat", and drink diet soda; and yet despite following this advice, the western world continues to get fatter and fatter!
Over half of the women in America are on a diet, and most of us feel like we have spent our entire adult life struggling to keep our weight down. The shocking discovery you are about to make is this is not our fault.
The tasteless diet versions of our favorite foods, that we have been encouraged to eat, doesn't help us lose weight; it does the exact opposite.
The truth about why we get fat:
Bio-hacker Craig Beck took over 2000 separate blood tests to monitor the effects of food on his body and weight. The results will change your life and show you how to lose weight rapidly with no hunger, cravings, or boring "diet food".
©2015 www.BloodGlucoseDiet.com (P)2015 www.BloodGlucoseDiet.com
"A game changer"
So it turns out I have been trying to lose weight the wrong way for about twenty years... great! If you are on a yo-yo diet don't eat another stick of celery until you listen to this book!
"A 4 hour advertisement for his pay-wall web site."
This is just an Atkins diet dressed up by a spruiker who claims to have come up with something different. All his 'allowed food', 'avoid foods' are hidden behind a paywall, and are not presented in this audiobook. Some might find his story inspirational but its clear this is a cookie cutter approach in a series of similar books he has written.
"Overall Very Good"
Although I have or read all in this book, it was excellent overall. very well presented.
"Great information"
Lot's of workable information. Some I already knew, some new eye opening good stuff. I will listen to this again.
Report Inappropriate Content
If you find this review inappropriate and think it should be removed from our site, let us know. This report will be reviewed by Audible and we will take appropriate action.


text:
Operational update #4 - Disturbance at Christmas Island Detention Centre
Current as at 2100 AEST 09 November 2015
The Christmas Island Immigration Detention Facility remains calm as the Department and its service providers work to restore order to the centre.
Service provider staff have re-entered and maintain control of central facilities of the centre, including the administration areas and health clinic. The perimeter of the centre remains secure, with regular patrols.
Service provider staff are continuing to engage with detainees and have commenced a food service.
A number of detainees with pre-existing medical conditions have now been without medication for some time and service providers are negotiating with those still protesting to allow the provision of medicines to these individuals.
A number of additional resources are being flown to Christmas Island this evening, to relieve Departmental and service provider staff who have been engaged in search and rescue and incident response operations since the escape incident on Saturday.
The additional resources will ensure there are no time constraints on efforts designed to resolve the situation through negotiation without further property damage and without injury to individuals.
Media contact: Immigration and Border Protection (02) 6264 2244


text:
We were supposed to hurry because the restaurant closed at 9. I ended up giving him a blow job so we had to eat at Arby's instead.
Hey, scratch that. I've shit 8 times today. I don't have the energy to get laid so I cancelled my date.
Serious question: does drunken cyber sex with a stranger on omegle count as cheating???
okay, but you can't tell anyone. Every time he instagrams something with the caption "avocado," it means he's booty calling me. Happy?
These 33 Eskimo Brothers Boinked The Same Person And Couldn't Be More Proud
Justin just used the term "industrial strength colon blow".
The crowd is chanting "we want sex!" There's a man dressed as bacon. That is all
While randomly hooking up with my neighbor last night he says "it's okay we're neighbors".
Didn't shower and drew a couple dicks on my face before I went to work. Boss sent me home. Sacrificed my dignity for a 3 day weekend with you guys.
His pick-up lines are quotes from Doctor Who. Of course I fucked him.
17 Inappropriate Things People Did With Instruments
I should probably drink beer instead of rum today so I don't end up naked in my living room while I still have guest.
When she introduced her friend to me I shook his hand and told him not to leave his ugly vest at my apartment in the morning. He took it off and bought me a shot.
When the strippers start dancing to Christmas songs it's time to get the fuck out!
if youre gonna throw up it might as well taste like christmas :S
When he wakes up tomorrow with half shaved legs smelling like a preteens bathroom, I'm sure he will think he has had a great evening


text:
The seminars will be held in the ESRF Auditorium, starting at 2 p.m
- Jose Baruchel: Tuesday 18 November 2014 - "X-ray imaging at the ESRF: an historical view": pdf of the presentation available here.
- Paul Tafforeau: Monday 19 January 2015 - "Applications of synchrotron X-ray imaging in palaeontology, a synthesis after 14 years of experiments": pdf of the presentation is available here.
- Alexander Rack: Tuesday 3 March 2015 - "On the possibilities of hard X-ray imaging with high spatio-temporal resolution" : pdf of the presentation available here.
- Tobias Schulli: Tuesday 28 April 2015 - "Microscopy with and without microscopes: X-ray imaging under diffraction conditions": pdf of the presentation avaible here.
- Peter Cloetens: Tuesday 2 June 2015 - "Magnified phase imaging, near-field ptychography and fluorescence analysis with a hard X-ray nanoprobe": pdf of the presentation available here.
- Alessandro Mirone: Tuesday 16 June 2015 - "Established and recent Iterative methods for imaging: theory and applications from coherent diffraction imaging to tomographic reconstruction with a-priori knowledge": pdf of the presentation available here. Please note that this file had to be compressed to meet our web interface requirements. If you need the full file, please send your request by email to firstname.lastname@example.com.
- Alberto Bravin: Date to be confirmed - "Applications of phase contrast imaging to biomedicine".
Please note that the Université Joseph Fourier (UJF) will grant to the UJF PhD students attending it 1 credit for every 6 hours of courses.


text:
|Message view
|« Date » · « Thread »
|« Date » · « Thread »
|Torsten Curdt <tcu...@vafer.org>
|Re: Continuations in clustered environments?
|Sun, 19 Oct 2003 23:20:41 GMT
> Is it possible for continuations to be used in a clustered environment? > A cursory look at ContinuationsManagerImpl leads me to believe that the > continuation info is stored in forrest, a private HashSet. Therefore, it > does not look like a cluster could share continuations -- is this right? If we keep the continuations in the session the usual techniques might apply. Otherwise we'd need a different kind of store. > In order to make this possible, you would either have to share the > continuation objects among the cluster, or serialize the continuation > object itself on the web page. From a security POV I think this is not an option. And the round-tripping makes no sense at all because continuations happen on the server-side. This sounds like an ugly workaround for a problem that should be solved somewhere else. (Although it might seem appealing on the first glance) > The continuations could be shared in a > database, or perhaps with a JavaGroups-enabled container, similar to how > Tomcat sessions are replicated. Maybe SwarmCache can be used as-is for > this? That's the spirit ;) > It seems like it might be easier to serialize the continuation objects > and pass them back to the server the same way the continuation IDs are > passed around. Although I like the KISS approach in general I'd really prefer to keep them on the server. Getting the continuation from a request is kinda like you'd execute code that comes in from a request! -> BAAAAAD!! > Of course they would have to be encrypted in some way to > prevent people from tampering with them. This may or may not be > practical depending on how big these objects actually are. Hm... this sounds more like a MS approach ;) If we don't expose the continuation object to the world there is no risk and no need for encryption. > Is anyone working on this, or am I totally wrong and it is already > possible? ...at least something we should discuss -- Torsten
|View raw message


text:
Bijitâ Q (2001 Video)
Plot Summary
A father, who is a failed former television reporter tries to mount a documentary about violence and sex among youths. He proceeds to have sex with his daughter who is now a prostitute and films his son being humiliated and hit by classmates. "Q", a perfect stranger somehow gets involved and enter the bizzare family who's son beats his mom, who in turn is also a prostitute and a heroin addict...- Written by Christian D <firstname.lastname@example.com>
A troubled and perverted family find their lives intruded by a mysterious stranger who seems to help find a balance in their disturbing natures.- Written by Daniel Jos. Leary
The film's plot is often compared to Pier Paolo Pasolini's Teorema, in which a strange visitor to a wealthy family seduces the maid...See full synopsis » (Warning: contains spoilers!)


text:
1. What challenges do institutions face when trying to train their relationship managers (RMs)? (2:59)
2. Is it fair to say there is an insufficient focus on training by the majority of wealth management players in the industry? And why do you think this has been the case? (1:45)
3. What are some of the initiatives underway to support and facilitate training efforts? (1:26)
Copyright © 2017. Hubbis (HK) Limited. All rights reserved


text:
Wednesday, November 14, 2012 - Nicole Kidman was blindsided when her ex-husband Tom Cruise filed for divorce, because she thought their life together was "perfect".
The Oscar-winning actress married her Days of Thunder co-star in 1990, when she was just 23, and they adopted two children together before Cruise moved to end their 10-year union in 2001, citing irreconcilable differences.
Kidman reveals she was especially devastated by their split because she
didn't see it coming.
She tells DuJour magazine, "I was totally smitten. I fell madly, passionately in love. I was reeling with Tom. I would have gone to the ends of the earth for him. We were in a bubble, just the two of us. We became very dependent on one another...
"(I thought) our life together was perfect. It took me a very long time
to heal. It was a shock to my system."
And the 45 year old admits the hardest part was losing her best friend:
"I realised I didn't want to be alone. I wanted to fall in love again, but I wasn't sure I could."
Kidman eventually met and married country star Keith Urban in 2006, and
the actress insists she couldn't be happier, adding, "My life changed. He is a wonderful, caring man and he makes me feel secure. We don't ever like to be separated."
Article Copyright World Entertainment News Network All Rights Reserved.
Up from last week
Down from last week
No change from last week


text:
Housing demand and community choice: an empirical analysis
Housing demand reflects the household's simultaneous choice of neighborhood, whether to own or rent the dwelling, and the quantity of housing services demanded. Existing literature emphasizes the final two factors, but overlooks the choice of community. This paper develops an econometric model that incorporates all three components, and then estimates this model using a sample of households in Tampa, Florida. Incorporating community choice increases the price elasticity of demand and reduces the differential between white and comparable nonwhite households. The results are robust to the inclusion of permanent income and taxes.
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|Contact details of provider:
| Postal: 33 Liberty Street, New York, NY 10045-0001
Web page: http://www.newyorkfed.org/
More information through EDIRC
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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.:
- Alicia H. Munnell, 1992.
"Mortgage lending in Boston: interpreting HMDA data,"
Working Papers
92-7, Federal Reserve Bank of Boston.
- Munnell, Alicia H. & Geoffrey M. B. Tootell & Lynn E. Browne & James McEneaney, 1996. "Mortgage Lending in Boston: Interpreting HMDA Data," American Economic Review, American Economic Association, vol. 86(1), pages 25-53, March.
- Mervyn A. King, 1980. "An econometric model of tenure choice and demand for housing as a joint decision," NBER Chapters, in: Econometric Studies in Public Finance, pages 137-159 National Bureau of Economic Research, Inc.
- Gillingham, Robert & Hagemann, Robert, 1983. "Cross-sectional estimation of a simultaneous model of tenure choice and housing services demand," Journal of Urban Economics, Elsevier, vol. 14(1), pages 16-39, July.
- Gabriel, Stuart A & Rosenthal, Stuart S, 1989. "Household Location and Race: Estimates of Multinomial Logit Model," The Review of Economics and Statistics, MIT Press, vol. 71(2), pages 240-49, May.
- Duca, John V. & Rosenthal, Stuart S., 1994. "Borrowing constraints and access to owner-occupied housing," Regional Science and Urban Economics, Elsevier, vol. 24(3), pages 301-322, June.
- Heckman, James, 2013.
"Sample selection bias as a specification error,"
Applied Econometrics,
Publishing House "SINERGIA PRESS", vol. 31(3), pages 129-137.
- Heckman, James J, 1979. "Sample Selection Bias as a Specification Error," Econometrica, Econometric Society, vol. 47(1), pages 153-61, January.
- Henderson, J Vernon & Ionnides, Yannis M, 1986. "Tenure Choice and the Demand for Housing," Economica, London School of Economics and Political Science, vol. 53(210), pages 231-46, May.
- Schmertmann, Carl P., 1994. "Selectivity bias correction methods in polychotomous sample selection models," Journal of Econometrics, Elsevier, vol. 60(1-2), pages 101-132.
- Dubin, Jeffrey A & McFadden, Daniel L, 1984. "An Econometric Analysis of Residential Electric Appliance Holdings and Consumption," Econometrica, Econometric Society, vol. 52(2), pages 345-62, March.
- Harmon, Oskar R., 1988. "The income elasticity of demand for single-family owner-occupied housing: An empirical reconciliation," Journal of Urban Economics, Elsevier, vol. 24(2), pages 173-185, September.
- King, Mervyn A., 1980. "An econometric model of tenure choice and demand for housing as a joint decision," Journal of Public Economics, Elsevier, vol. 14(2), pages 137-159, October.
- Lee, Lung-Fei & Trost, Robert P., 1978. "Estimation of some limited dependent variable models with application to housing demand," Journal of Econometrics, Elsevier, vol. 8(3), pages 357-382, December.
- Stuart S. Rosenthal & John V. Duca & Stuart A. Gabriel, 1987.
"Credit rationing and the demand for owner-occupied housing,"
Working Paper Series / Economic Activity Section
79, Board of Governors of the Federal Reserve System (U.S.).
- Rosenthal, Stuart S. & Duca, John V. & Gabriel, Stuart A., 1991. "Credit rationing and the demand for owner-occupied housing," Journal of Urban Economics, Elsevier, vol. 30(1), pages 48-63, July.
- Olsen, Edgar O., 1987. "The demand and supply of housing service: A critical survey of the empirical literature," Handbook of Regional and Urban Economics, in: E. S. Mills (ed.), Handbook of Regional and Urban Economics, edition 1, volume 2, chapter 25, pages 989-1022 Elsevier.
- Goodman, Allen C., 1988. "An econometric model of housing price, permanent income, tenure choice, and housing demand," Journal of Urban Economics, Elsevier, vol. 23(3), pages 327-353, May.
- Yinger, John, 1982. "Capitalization and the Theory of Local Public Finance," Journal of Political Economy, University of Chicago Press, vol. 90(5), pages 917-943, October.
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text:
|Re:Pat down, or molest?
|attached to TSA To Make Pat-Downs More Embarrassing To Encourage Scanner Use
|How Long?
|attached to WPA Encryption Cracked In 60 Seconds
|Re:Legal use of big bandwidth paying the price...
|attached to Comcast Outlines New Broadband Policy
|We're still playing catchup with Tesla!
|attached to Intel Claims an Advance In Wireless Power
|I foresee some interesting torrent developments.
|attached to Wiretapping Bill Passes Swedish Parliament, 143 to 138
|I honestly donâ(TM)t want more market share..
|attached to Macs Gaining a Bigger Role In Enterprise
|IPv6 for the win
|attached to LAN Turns 30, May Not See 40?
|I bought an iPod at Best Buy...
|attached to Best Buy Customer Gets Box Full of Bathroom Tiles Instead of Hard Drive
|Re:rots your brain as well
|attached to Some Soft Drinks May Damage Your DNA
|This seems a little sensationalized...
|attached to MacBook Hacked In Contest Via Zero-Day Hole in Safari
|Looks like Dell ripped off Apple for some reason
|attached to LED-Based LCD Display Tested
|It was only a matter of time
|attached to Korea To Build Front-line Combat Robot
|attached to Could Apple's Intel Desktop Threaten Linux?
|Just what we need.....
|attached to Cockroaches Daubed With Yeast As WMD Sensors?
|I've Got One
|attached to Should Hackers Get Their Own Logo?
|Nose bleed tower
|attached to Taipei 101 Now World's Tallest Building
|I use to just hate M$...
|attached to SCO gets $50 Million Investment
|Who's going to do QC?
|attached to Kazaa Backs Plan To Bill P2P Music Transfers
An inclined plane is a slope up. -- Willard Espy, "An Almanac of Words at Play"


text:
Ethical Nutrients, Adrenal Glandular Plus with Pantothenic Acid & B, 120 Tablets (Discontinued Item)
Shipping Weight:?0.76 lbs (0.34 kg)Shipping WeightThe Shipping Weight includes the product, protective packaging material and the actual shipping box. In addition, the Shipping Weight may be adjusted for the Dimensional Weight (e.g. length, width & height) of a package. It is important to note that certain types of products (e.g. glass containers, liquids, fragile, refrigerated or ice packed) will often require protective packaging material. As such, these products will reflect a higher Shipping Weight compared to the unprotected product.
- Product Code: ETH-01501
- UPC Code: 098129015012
- Package Quantity: 120 Tablets
- Dimensions: 2.1 x 2.1 x 4 in, 0.45 lbs (0.2 kg)
- Sealed for Protection
- Natural Formulas
- Dietary Supplement
Adrenal Glandular Plus is designed to provide nutritional support for healthy adrenal function by combining high quality raw adrenal concentrate with select B vitamins. The adrenal concentrate is guaranteed raw (processed below 37º C) so the natural constituents remain intact.
Suggested Use
Take one tablet three times daily.
Other Ingredients
Microcrystalline cellulose, cellulose, calcium silicate, croscarmellose sodium, stearic acid (vegetable), silica, and magnesium stearate (vegetable).
This product is gluten free.
Caution: Keep out of the reach of children.
Storage: Keep tightly closed in a cool, dry place.
|Supplement Facts
|Serving Size: 1 Tablet
|Servings Per Container: 120
|Amount Per Serving
|% Daily Value
|10 mg
|Vitamin B6 (as Pyridoxine HCI)
|25 mg
|Pantothenic Acid (as calcium d-pantothenate)
|50 mg
|Raw Adrenal Concentrate (bovine)
|80 mg
|para-aminobenzoic acid (PABA)
|25 mg
|*Daily Value not established.
This is one of those products that is 'silent' in its benefit. I started taking it due to a lack of energy, stress, etc. There were days were my energy was so low that it was almost (almost!) debilitating. Started taking the adrenal gland tabs and my energy increased to what I would consider just above 'normal'. I felt human again! Then, because of just that, I stopped taking the tablets! Silly me. Bad idea! It's just human nature. :-) Energy slipped again, etc. Once I realized the connection I started again. This is one of those supplements that doesn't save the day, so to speak, but is worth its weight in gold in that it gets you back on track. That alone is worth it!!
I take one in the morning and one at night. I have a stressful life and used to wake up several times, but since taking the Adrenal Glandular, I almost sleep thru the night and I find that I am a lot calmer.
Good if your adrenals just need help. ♥♥♥ Click on my username for more reviews!
Posted by gettingwell on Jul 10, 2013
This isn't enough if you have adrenal insufficiency and has to be tested for. I'm going to be doing that soon; this stuff doesn't help enough. It is just like one of the products that my doctors was giving me to take.
Posted by LouLou on Mar 17, 2013
This was the first adrenal supplement I have tried after being diagnosed with adrenal fatigue (after 9 years of drudgery) ...It definitely helped me but after a couple of days I experienced very unpleasant side effects such as the jitters (too much adrenaline). It also upset my stomach, urinary and reproductive system in a very bad way. I had to stop taking it after 4 days. I believe that this was caused by the additional vitamins in this formulation and the fact that it contains the entire adrenal. I am planning to try the adrenal cortex (apparently this part doesnt control adrenaline) supplement with no extra additives.
Adrenal Glandular Plus
Posted by Reviewer1797917 on Dec 18, 2009
i really feel it working
Posted by Reviewer1369585 on Nov 20, 2009
before takind the glandular plus my energy levels were very low i had to keep pushing myself when i didn't have it to give. Since i've been taking the adrenal support i feel alive and well atleast thats what i can say for myself hopefully others will have positive results. i have nothing negative to say about this product. thanks i-herb for the great prices and svc.
energy pick me up
Posted by Reviewer2415390 on May 18, 2009
Plenty of B vitamins. I try not to take at night or take 1 since it keeps me up. Great to start the day with.


text:
Store at KLIA.
One of the infamous 747-200F's stored at KUL, unwanted for many years and not looking like they're going anywhere soon. [1400px]
Wearing the original colours on an afternoon departure. Registrations used by this airframe: N744PR, N623FF, N745SA, TF-ARN
Parked together with sistership TF-ARM following their retirements from active service in 2010.
Scanned from K64 slide.
Philippine Airlines - B747-469(M) - N754PR
Wow, again a stunning livery ;-)
MAS seems to hate me. Their 772 has so far always arrived before me, their cargo ships have always been operated my another airlines. In this case: Air Atlanta Icelandic


text:
2016 Weather World Trivia Contest
Rules and Guidelines
After you have registered, at the end of each week, submit your answers to that week's questions (between Friday 5pm and Monday at noon).
Only one submission per person each week. All you need is 10 or more correct to be eligible for the drawing on Tuesday, March 1st.
Click Here to Register
If you have already registered click here to begin
First Place Receives
Second Place Receives
Third Place Receives


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2 posts tagged with recommendations by limitedpie.
Displaying 1 through 2 of 2.
I want a font that looks like 1st grade handwriting
I need to find a font that has "1st grade letters." In other words, block letters (small, not caps) that are the shape / kind that we all learned to hand print in 1st grade. All the simple, clean, fonts that I have found type the "a" with the curled line above the circle. I need a font that shows the "a" as a circle with a straight line descending down at a slight angle. Another example: the "q"-- I need the font (or fonts, if this will take a few) to show the "q" with a curled tail-- the way one would teach a 6 year old to write it. Also, I need the font to be super clean and not "handwritten." I have found a comic sort of font that has the right letter shapes, but it is too frilly / ornate. Imagine a primary school reader... those are the letters I want! I tried to go to a font site, but with 20,000 fonts I felt like I was looking for the (cliche warning:) needle in a haystack. Any font gurus out there know exactly what I should get and where to get it? Last: free beats expensive, but I am willing to pay if the font site is selling it.
Recommendations for trustworthy Adware cleaners
As embarrassing as it is to confess, I am not very sophisticated with computers and technology. Recently my computer has become the eager droid of "purityscan," which (to my never ending frustration and dismay) opens a few hundred pop-ups per hour. I Googled for the best spy/pop up removal software, but I am unable to tell the good guys from the bad guys. I downloaded and ran "adaware" but now that they have identified "368 spyware components" on my computer they want $30.00 to remove them. I have no problem paying to end this problem, but I do not want to pay for dreck or pay evil extortionists who create the problem and then sell the solution. So: Which software is best, from an honest company, to fix this loathsome problem?
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If you are looking for your own retreat, for hunting, four-wheeling, to build your dream cabin on, we have the property for you. Check out our properties by clicking on the link below. If you don't find anything you like let us know and we will do our best to find you something you can't resist.
thanks Deepwoods Utah


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04/01/2015 00:13:41
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04/01/2015 00:13:41
2/4/2015Â During the course of a conversation Jordan's King Abdullah had with House members following news of the gruesome execution of the Jordanian pilot, the ..."When things look bad, and it looks like you're not gonna make it, then you gotta get mean. I mean plumb mad dog mean. Cause if you lose your head and you give up ...WavSource.com is a comprehensive, yet free, compilation of thousands of choice sound bites and sound clips from all sorts of sources, including movies, TV, news ...Sound Bites. Okay, so I finally got around to taking a crack at alphabetizing it. Enjoy. BTW, some content may be inappropriate for young listeners...Critics Consensus: Blood Work is a routine, but competently made thriller marred by lethargic pacing.Samples from famous movies, voices and sound clips from the most popular movies in mp3, wav or other audio formats (free download).People: Famous People: File Name & Size: Description of Wav Sound: 21 KB: Clint Eastwood: "Who in America gives these, uh, lawyers the... to be the self-appointed ...For those who have breathed the burnt air of Iraq or Afghanistan and have faced an enemy that plays by no rules, the film holds a very different message.7/10/2014Â Thursday, Jul 10, 2014 4:31 PM UTC Alex Jones calls Michelle Obama "first tranny" The conspiracy theorist and radio host argues the ...4/1/2014Â One would be hard pressed to find a better documentary about a disaster. "Earthquake" captures all the drama, suspense, pathos, and even humor, of the San ...
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iHerb 顾客评论
节省: ¥33.10 (25 %折扣)
nourishing indeed
Reviewer1559857发表于 Jan 16, 2011
Thick in consistency and seemed sticky when tested on the back on my hand. Good thing I tried it on my face as it sinks in nicely and keeps skin soft all day without being sticky or greasy at all. Has not clogged pores so far and does not irritate my insanely sensitive skin at all.
Best Face Cream I've ever tried!
Reviewer2536199发表于 Sep 21, 2010
I have extremely sensitive, rosacea-prone skin, and this cream has got to be the most gentle and helpful cream I've ever tried (and I've tried many). It's completely fragrance-free, and has a natural zince sunscreen too. I use it every couple days, after cleansing, and I love it! I highly recommend it.
Nice cream
Reviewer2110166发表于 Apr 11, 2011
I really like this product for dry skin. It might seem a bit heavy when you first put it on, but it absorbs right away and does not leave a greasy feeling.
good natural product
Reviewer2353420发表于 Nov 25, 2012
It was very difficult to find a natural sunscreen for my face - I used Mineral Fusion SPF40 before and liked everything besides some ingredients and titanium dioxide. I found Desert Essence and am satisfied. The Desert Essence day SPF15 cream goes smooth on my sensitive skin, does not leave any white residue or oiliness. I like it a lot, I wish they came out with a stronger SPF though.
not that nourishing
Reviewer1307301发表于 Jan 23, 2011
I have normal/dry skin and after applying this cream I feel like I need more moisture. It's not drying but it's not nourishing in my opinion.
Thick, oily, sticky...
Reviewer1240274发表于 Jul 31, 2011
Hmmmm, I'd return this if I could...I found it oily and sticky. It's thick and comes in a squeeze tube. It leave face shiny and coated and a little sticky. I have Rosacea and it does not irritate that...However, the consistency of it...you might as well be using any other suntan lotion for faces... I've used DE Age Reversal face serum and was expecting the lightness of that lotion. Not here though...=(
Reviewer2871080发表于 Nov 04, 2011
I wrote good things about this cream at first, but after I tried Aubrey's vegecol line, I had to update! This product is horrible, it's so heavy and sticky, completely ineffective as a daily moisturizer.
Reviewer3236831发表于 Aug 07, 2011
The cream is quite thick, which is ok for dry skin. My skin is very reactive and sensitive, so I went through all the ingredients to make sure there's no potential irritants. This cream didn't cause any breakouts or irritations, and that's good news. I like the tube packaging, it's much more hygienic than jars. However, I found it too thick for hot summer months, so I'd rather leave it for fall/winter.
Heavy product that sits on your skin.
Reviewer2262549发表于 Sep 17, 2010
After experiencing Argan Oil for my hair, I wanted to try this. It's a great idea, but they didn't put the same care into making this moisturizer as they do in their other products. I am going back to Avalon's Vitamin C moisturizer because nothing else absorbs like it and leaves a silky finish.
5367249411111495928发表于 Mar 13, 2014
I would NOT recommend this product! Way to greasy, and does not absorb well. My sin gets dried after a few hours after using this. DO NOT avoid the 1 star rating like i did!! If your know that your skin is dry and sensitive. find another moisturizer


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Makers often come together to form communities where they can exchange ideas and equipment. Readers will set foot in some of the world's most interesting makerspaces and see what kinds of tools makers use to create their projects. They will also learn how to find makerspaces of their own.
Explores how human activity affects the Earth, e.g. effects of human activity on groundwater and surface water, habitat destruction, construction, emissions, and pollution.
Around the world, makers come together to share their ideas and inventions at Maker Faires. Readers will integrate visual information with text and learn technical word meanings as they read what it is like to visit these incredible events and see some of the world's most innovative new projects. They will also find out how to volunteer at Maker Faires or event plan their own maker events.
Today, many general contractors specialize in environmentally-friendly construction methods. Green buildings use less energy and are often made with recycled materials. Readers will learn about the people who specialize in this type of construction and how they can prepare for a career in this cutting edge field.
The digital age we entered in the twenty-first century has rapidly become an age of digital crime. Cybercrimes like spoofing, phishing, and hacking are on the rise, and computer forensic technicians are on the case. Even traditional crimes like murder, fraud, and child abuse can be both facilitated by computersand solved through computer investigation. Computer Investigation helps readers understand how cybercrimes are committed, and how investigators help solve them and bring the perpetrators to justice. Readers will also gain a few tips for protecting themselves online and protecting their computers from intrusions and hacks.
Television programs and feature films present criminal psychology and profiling as a blend of psychic visions, supernatural intuition, and evidence analysis. The reality, however, is quite different. Using true-crime case studies from history and the present, examples from current and former FBI profilers, and informative sidebars, Criminal Psychology & Personality Profiling explores the many roles and responsibilities criminal psychologists and profilers fill as they support other professionals in addressing crime and its consequences. From crime-scene analysis to offering expert testimony in court, these behavioral scientists offer an understanding of crime, the criminal mind, and those affected by crime.
Women have made major contributions to science throughout history, including in the field of chemistry. Learn about the lives of some of the most amazing women in chemistry, from Alice Hamilton to Darleane Hoffman, as well as their exciting and important work. Discover what it takes to be a chemist. Find out about the opportunities for women in the field. Read Women in Chemistry to see if following in the footsteps of the many brilliant women who have made their mark in chemistry is something you want to do.


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Lauren Tannehill, wife of Miami Dolphins rookie quarterback Ryan Tannehill, was an absolute media sensation this past NFL Draft weekend, as her television appearance the night of the first round stimulated internet users to search for her all weekend. You can find more pics of her by searching under her maiden name Lauren Ufer as well.
Now she's gonna set the net on fire again with some new pics. From Lobshots:
she has indeed done a photo shoot for Maxim magazine, but Maxim has yet to decide if they will run the photos and story of Mrs. Tannehill. We should know for sure if they have picked it up by next week, and how big the spread will be.
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Written on: 24/04/2013 by Boian_Dimitrov (10 reviews written)
This one is great! We got ours last year because my $500 fuji decided to stop working 2 days before we went on holiday. It takes very good quality pictures, and will fit in your pocket. The one problem I have had with it is that it wants to reformat the memory card every single time I take it out and put it back in. An easy solution to this is to use the usb cable that comes with it to direct upload from the camera itself. Also the light that signifies it is charging does not always come on when it is plugged in to charge. So you just have to trust that it is charging.
As rated by our community of reviewers
" The Olympus E-500 is my first camera so i don't have a frame of ref... " Read More
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Written by thunderous


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Bartleby and Benito Cereno
Courier Corporation, 1990 - Fiction - 104 pages
Herman Melville towers among American writers not only for his powerful novels, but also for the stirring novellas and short stories that flowed from his pen. Two of the most admired of these "Bartleby" and "Benito Cereno" first appeared as magazine piece and were then published in 1856 as part of a collection of short stories entitled "The Piazza Tales.
""Bartleby" (also known as "Bartleby the Scrivener") is an intriguing moral allegory set in the business world of mid-19th-century New York. A strange, enigmatic man employed as a clerk in a legal office, Bartleby forces his employer to come to grips with the most basic questions of human responsibility, and haunts the latter's conscience, even after Bartleby's dismissal.
"Benito Cereno," considered one of Melville's best short stories, deals with a bloody slave revolt on a Spanish vessel. A splendid parable of man's struggle against the forces of evil, the carefully developed and mysteriously guarded plot builds to a dramatic climax while revealing the horror and depravity of which man is capable.
Reprinted here from standard texts in a finely made, yet inexpensive new edition, these stories offer the general reader and students of Melville and American literature sterling examples of a literary giant at his story-telling best.
Dover (1990) republication of standard texts of works originally published in "The Piazza Tales, " 1856. Note to Dover Edition."
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ahout American answered appeared Aranda Arthur Conan Doyle Ashantee Atufal Availahle in U.S. Bartlehy Bartlehy's Benito Cereno boat bulwarks cabin cahin called calm Cape Horn Captain Amasa Delano command copying crew cuddy deck deponent Don Alexandro Don Amasa Don Benito Don Joaquin door Dover eyes face followed Fyodor Dostoyevsky Geeat Ginger Nut glance gruhman hand hatchets hecause heen hefore hoat Jane Austen Joseph Conrad Kate Chopin killed knot l.eche looked master mate mind morning mulatto murder Negresses Negro Baho never Nippers oakum-pickers pale paused Poems poop prefer present remained replied returned round sails San Dominick screen scrivener sealer seemed Senegal senor servant ship ship's sight silent sort Spaniard Stephen Crane Stoeies stood story strange stranger suddenly things thought Captain Delano Turkey turned voyage whalehoat whisper Willa Cather word


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Caribbean Estates Land and Villas
- Category
- Real Estate Agents
- Island
- Tobago
Send an enquiry:
Get in touch with this agent for more information.Send an enquiry
At a glance
One of Tobago's leading real estate agencies. Well-established, knowledgeable and reliable.
- Best for:
- Property sales and management, Project management
Guest reviews
Journalist's Review
In Depth
Caribbean Estates, Lands and Villas is one of the leading real estate agencies in Tobago and is owned and operated by Natalie Mahabir, a Trinidadian who has been in Tobago since the late 1980s. The company deals in the sale and rental of all types of real estate including residential, commercial and agricultural properties as well as tourism investment properties. Although the company was set up in August 2000, Natalie herself has been in real estate since 1992. Caribbean Estates, Lands & Villas also works as a villa rental and property management agency.
Natalie Mahabir started out in client representation in the management of construction projects, mainly villas, some of which she continues. Later she moved onto property development and marketing in 2000.
In 2001 she was joined by Ricardo Gaston-Johnston, who has a strong background in sales and is very knowledgeable about all aspects of real estate in Tobago. Caribbean Estates also offer advice on valuations, architectural and construction services, legal services and guidance through the planning approval process. Their office is on the corner of Milford and Golden Grove Roads in Canaan, which runs to the airport.
Tobago's villa market has expanded enormously over the past couple of decades, particularly since 1990 when the Alien Landholding Act loosened the regulations and opened the market to foreign investment. The island has always had a strong interest from Trinidadians, but at that time foreigners became able to own up to an acre of land without special approvals and permissions and so they began to buy and to build homes. The price of land in the Mt Irvine Estate rose in value from about TT$6 per sq ft to around TT$50. In 2007 however, there was a hold placed on foreign ownership as the Trinidad and Tobago government decided to implement a licence system for non-residents to purchase property in Tobago and foreign nationals were not permitted to buy land or a villa on Tobago.
Since November 2009 non-residents can once again purchase property and land on Tobago. Certain areas on Tobago have been named as Designated Development Areas where licences will be freely granted once the relevant information is supplied by potential buyers. Outside of these areas, applications will be assessed on a case-by-case basis. Foreigners will be able to purchase multiple properties but are limited to just one parcel of residential land. Please see under Buyer's Guide for more information.
The villa market in Tobago is quite advanced now and many homes are valued at over US$1,000,000. Several are worth well over US$3,000,000.
Buyer's Guide for Tobago Real Estate
Here are a few things you should know about purchasing a property in Tobago:
• Citizens of Trinidad and Tobago are permitted to buy property freely.
• Since November 2009, foreigners were once again able to purchase property and land on Tobago. Certain areas on Tobago have been named as Designated Development Areas where licences will be freely granted once the relevant information is supplied by potential buyers. Outside of these areas, applications will be assessed on a case-by-case basis.
• Foreigners are able to purchase multiple properties but are limited to just one parcel of residential land. No sub-division of the purchased land will be allowed and the residential land must be used soley for that purpose. A time limit has also been placed on construction on newly acquired land, which must be completed within 36 months.
• There are currently no forms to complete, but buyers will need to supply the following documents:
Notarized copy of passport (relevant pages)
Town & Country Planning approval to build(for land purchase)
Credit reference from bank or financial institution
Certificate of Good Character
• The designated areas for foreigners to purchase property or land are:
Arnos Vale and Culloden
Bacolet Estate
Buccoo and Golden Grove Estate
Lowlands and Diamond Estate
Mt. Irvine and Grafton Estate
• Foreign nationals must pay in a nationally traded foreign currency.
• Permission to buy land does not confer residency. Buying a commercial property does not confer the right to work (earn an income) in Trinidad and Tobago.
• If you are intending to live in Tobago, foreign nationals should contact the Trinidad and Tobago High Commission in their country for information on immigration and/or work permit requirements prior to committing to purchase.
• If you are planning to come on holiday to enjoy your new property, a non-resident can usually get a visitor's visa for up to three months. Extensions can be applied for, but are not guaranteed, especially over six months.
Once you have decided to buy a house or land, here are the basic steps toward purchasing:
• Caribbean Estates, Lands & Villas will make an offer on your behalf, and, when a price has been mutually agreed, they will draw up a Sales Agreement stating the terms of the contract. On signing the Agreement, the purchaser pays a 10% deposit that is normally held in a special "escrow" account until completion of title searches. At this point the contract is binding on both parties.
• Once a Sales Agreement is signed and deposit paid, the buyer must instruct a local Attorney to search the seller's title to the property.
• Once good title to the property is established, the buyer is free to complete the purchase by paying the 90% balance of the agreed purchase price. Typically, this is done ninety (90)days from signing the Sales Agreement, but can be done as soon as the searches are complete.
• On completion of the purchase, the buyer must pay certain fees and duties called "closing charges". These include legal fees, stamp duty and fire insurance in the case of a house purchase. Stamp Duty is a sliding scale charge from 2% to 10% of property value, and legal fees are typically 1.5% to 2% of property value.
• Your purchase is registered officially at the Red House by your Attorney, and all purchases by foreign nationals are further registered with the Ministry of Finance, using bank documentation as proof of purchase in a foreign currency. Purchases in Tobago are also registered locally at the Warden's Office where future land and building taxes are paid. Land tax is currently TT$10 per acre per annum.
The idea of building in a foreign country can be intimidating. When your purchase is complete, Caribbean Estates will be happy to advise you on building in Tobago, guide you through any planning procedures and arrange property management and holiday rentals.
It is also perhaps worth nothing that Natalie's husband, John Otway, is a well-known Trinidadian architect. John favours the colonial style - but this little island has been colonised by the English, French, Spanish and Dutch so he has a lot of leeway. He loves working with wood, stone, coral. There are plenty of examples of John's work around Tobago, one of which is wonderful Bali inspired Ohana villa and another is Villa Soleil.
To list your property with Caribbean Estates, Lands & Villas:
• Call Caribbean Estates with initial information on the property and your contact information.
• Follow up with copies of your title deed, the latest land tax and water rates receipt and a survey plan or cadastral (sales only).
• Show them, or allow them to view your property and to recommend a selling/rental price based on their knowledge of the Tobago market. You will then be asked to jointly sign a listing contract stating the terms of the agreement and the commission rates etc.
• Caribbean Estates then guarantee to actively promote and advertise your property, bringing to you all offers received and/or market feedback. When an offer is accepted by you, Caribbean Estates will negotiate and draw up a Sales Agreement, accept the 10% deposit into their client account and facilitate the purchaser's Attorney until completion of the sale. After accepting a deposit and signing the Sales Agreement, the Seller is committed to the sale.
Condo/Townhouse Sales
Below you will find a small sample range of the properties that Caribbean Estates Land and Villas have for sale on Tobago:
57D, Tobago PlantationsPrice: US $475,000
This two bedroom bungalow is one of a cluster unit at Tobago Plantations. The centre of the villa is the kitchen, with the two bedrooms either side opening onto the small swimming pool and wooden decking.
Location: Tobago, WI
8A, Tobago PlantationsPrice: US $450,000
wo-bed, three-bath condominium at Tobago Plantations in Southwest Tobago with beautiful views over the communal swimming pool to the Atlantic Ocean. Excellent condition.
Location: Tobago, WI
Black Rock DreamsPrice: US $735,000
This 3-bedroom condo unit offers an open-plan design with kitchen, living room and dining area giving onto a spacious veranda that overlooks the swimming pool and one of the best beaches on Tobago. Fully furnished.
Location: Tobago, WI
Land Sales
Below you will find a small sample range of the properties that Caribbean Estates Land and Villas have for sale on Tobago:
Arnos Vale EstatesPrice: US $250,000
One acre parcels in an 11-acre development, very close to the Arnos Vale Hotel. Almost all of the plots slope to the Caribbean Sea and offer beautiful sea views to Plymouth. Amenities nearby include: tennis, beach, restaurants, supermarket / Grocery, service station, public transport.
Location: Tobago, WI
Englishmans BayPrice: US $150,000
One acre parcels in a 400 acre estate on the Caribbean coast, midway between the east/west ends of the island. Only 20% of the estate will be developed as an eco residential / tourism resort. Most parcels overlook the bay. Only Lot 20 available.
Location: Tobago, WI
Villa Sales
Below you will find a small sample range of the properties that Caribbean Estates Land and Villas have for sale on Tobago:
CanboulayPrice: US $1
Tobago villas for sale, Mt Irvine Estate: A beautifully appointed three-bedroom home on the Mt Irvine Golf Course with each bedroom having an ensuite bathroom. Entrance to the house is through a large back patio that leads into the open plan living and dining room that flows out to the spacious front patio overlooking the pool and lush gardens and the view of the golf course. A wide open corridor leads to the bedrooms on either wing of the house, and to the kitchen and pantry that can also be accessed from the living and dining rooms. The basement level houses a self-contained studio apartment, a large storage room and a spacious enclosed area that contains the water tanks, pool equipment etc. This area can be converted into a recreation room or another apartment by relocating the water tanks. This is a wonderful property and should be seen to be fully appreciated. Highly recommended.
Location: Tobago, WI
FriendsfieldPrice: US $495,000
Friendsfield House enjoys an elevated position with views to the Caribbean Sea, high ceilings and wooden doors giving a spacious and breezy feel to the four bedroom villa. Surrounded by tropical gardens with swimming pool and 2 car garage.
Location: Tobago, WI
Infinity VillaPrice: US $1
This seafront villa offers 4 en suite bedrooms, all of which open out onto a wrap-round veranda affording fantastic views over the Atlantic. Living and dining areas come with hardwood floors and high ceilings, giving a grand, spacious feel.
Location: Tobago, WI
SearosePrice: US $495,000
Real Estate in Trinidad and Tobago is often built to a very high standard - this luxurious villa is no exception. Set in a quiet cul-de-sac of Bon Accord, the villa has 4 air-conditioned bedrooms with ensuite bathrooms - 1 on the ground floor and 3 on the first floor. The villa has a spacious air-conditioned living and dining area and a very well-equipped kitchen with quality new appliances. The living room opens onto a sun deck and private swimming pool. All bedrooms and the living area have televisions with cable tv. This villa is very well furnished and fitted with the highest level of comfort in mind. The villa is within walking distance to Pigeon Point and Store Bay, as well as shops, banks, restaurants and bars.
Location: Tobago, WI
Seventh HeavenPrice: US $1
Sitting on over 1/2 acre of landscaped gardens - Seventh Heaven is a well appointed 6-bed 7.5-bath villa with lovely views of the Caribbean Sea across the Mt. Irvine Golf Course.
Location: Tobago, WI
SundancePrice: US $475,000
A well-appointed single storey villa with swimming pool on a 6,700 sq ft parcel. Located in a popular holiday area, the L-shped villa is surrounded by landscaped gardens. The large master bedroom opens into the open-plan living/dining/kitchen area. There are French doors out to the patio and pool terrace. The other two bedrooms are positioned on the opposite end of the house. This villa is a very good rental property, but would also make an ideal private home.
Location: Tobago, WI
Tobago Plantations VillaPrice: US $1,500,000
Newly built 4-bedroom villa on the Tobago Plantations Golf Course. The large swimming pool and deck look out over the 6th fairway to the Caribbean Sea. All bedrooms are air-conditioned.
Location: Tobago, WI
Land Sales
Englishmans BayPrice: US $150,000
Arnos Vale EstatesPrice: US $250,000
Villa Sales
FriendsfieldPrice: US $495,000
SearosePrice: US $495,000
Condo/Townhouse Sales
57D, Tobago PlantationsPrice: US $475,000
8A, Tobago PlantationsPrice: US $450,000