text:
This time of the year is graduation season. The time of the year where school is super hectic and everyone is getting ready for the summer. Graduation season is amazing because it's a time to gather around with all of your family and friends and celebrate achievements! It is extremely proud and every student must be excited! Graduation comes in various forms of celebration. From the cap and gown, to the colors associated with colleges and degrees, academic achievements and awards. How to celebrate the big time? Are you ready for it? Here are the best parts of the graduation season.
The Prom Attire
Prom is the symbol of graduation. That is to say, it is one of the important activities for graduates. If you are going to the prom, you should wear your dress, suit, or tux. That way you'll have a formal outfit for years to come. What's more, wearing a charming and beautiful dress can be leave you a unforgettable memory in your whole life. On the other hand, Since prom dresses are rarely worn more than once, they get donated and many of them are in great condition, and get it tailored for a perfect fit. Before you shop, don't forget to check online for coupons and sales. Dacoz.com has posted a large amount of promotional information from all kinds of online stores. Including deals, coupon codes, shopping guide post. Once a deal matches the criteria you set, you'll get an instant notification so you'll never miss a hot deal again. Bookmark Dacoz.com' Coupons & Promo Codes page to get discounts on prom attire. Recently, the most hottest prom attire stores like David Meister, Amur, Theia must be satisfied with you.
The Parties
Maybe, this will be your last time to get together with your classmates to take part in the same parties, and then you will drift apart. Grab the last chance to have fun before graduate. Graduation parties are super fun and exciting! But problem is here, how to decorate a warm party to suit for the theme of graduation? It can be a little overwhelming to plan a big party of any kind but a graduation party you want to be special and memorable. Make sure you have all the right supplies for your graduation party! After all the hard work is done, a celebration is called for to acknowledge your great achievement. Make your graduation party a stylish event. Swoozie's provides a special party supplies for graduation. You can purchase a wide range of party supplies to decorate a Personalized Party. Well, I am highly recommended Party Cheap.com, Whether your graduate is moving onto college or the workforce; at Party Cheap there stock the tableware, invitations, party favors, centerpieces, school colors and much more to make that special day a memorable one. Please note! The Graduation Party Supplies & Decorations are limited and the price is very affordable, hurry up, before run out, stock up on!
The Gifts
Cap off the proud moment with the perfect graduation gift, such as a commemorative photo frame that capture the beaming graduate, an engraved pen set for future study and work, an inspirational wall plaque, or personalized graduation jewelry gifts. All in all, Graduation is a milestone moment that deserves recognition. It takes hard work and perseverance to achieve, and opens doors for the graduate. Graduation gifts are well-deserved! If you're wondering how to celebrate this momentous occasion, or you don't have any ideas about the graduation gifts, you are lucky dog in some extent, Gifts.com is definitely a good choice to select all kinds of occasion gifts. Most importantly, Gifts.com offers customized graduation gifts which are a festive way to honor the recent grad.
The New Life
The fact that the graduate is starting a new life! You can't wait to see what the graduate accomplishes in the future? New life, specifically, the first big thing you will face and solve is finding a job after graduate. Facing the growing fierce competition, are you afraid? Are you ready? Maybe, or maybe not! Anyway, as long as you have enough faith and are proficient in your professional knowledge, that's enough! on the contrary, subscribe Brian Tracy can be absolutely helpful for the new comers into work. Brian Tracy share all-round online training including Personal Development, Sales Training, Business Training, Time Management, Leadership Training...All these courses are meaningful to your future career. Achieve all of your goals faster than you ever thought possible. So what do you want to improve today? Don't hesitate, do it with Brian Tracy!
Celebrate the 2018 graduation season, it's always amazing when all your family and friends come together to celebrate something, and that's what graduations are all about. No matter what age you are, completing an academic year or program of study is an achievement worthy of praise and celebration. Do some wonderful and crazy thing, make your graduation ceremony lasting forever in your mind.


text:
Organisations need to empower their employees by providing them with the tools, knowledge and resources to stay connected and engaged in a world where the traditional office experience is evaporating. With Microsoft Office 365, more people are working across a variety of devices including laptops, tablets and mobile and are often not connected to a network at a static desk in an office. This change in the modern workforce demands us to reevaluate the way our employees communicate internally and how information should be shared. Having the right intranet solution in place, is key.
ClearPeople has over a decade of experience in designing and developing intranet solutions. We understand how to turn ineffective platforms into an engaging, highly usable intranet solution that boost communication and productivity. Our creative and technical teams have worked hard to ensure Atlas is the ideal engagement platform from which to collaborate and share information.
Atlas - the perfect corporate intranet solution for employee engagement
We'll work with you to provide your organisation with a hub to increase productivity and efficiency within your workplace, looking in particular at:
- Why you need an intranet solution in the first place?
- Effective governance and adoption plans
- Creating and curating content
- What your intranet solution should look like?
- And more
How can ClearPeople help?
We will get to the root of your business requirements and help you create an easy to use, accessible corporate intranet solution that connects and encourages two-way communication, collaboration and information sharing between your employees from wherever they are and on whatever device they use.
As market leaders in designing and developing corporate intranet solutions, having worked with clients including Nando's, Laing O'Rourke, Alzheimer's Society, Cystic Fibrosis Trust and Fred Perry, we can offer you unparalleled advice and solutions to help your organisation increase employee engagement and maximise your ROI.
What's more, we'll help you deliver success through a continued period of transition and adoption.
Are you looking for the right intranet solution for your organisation? Get in touch with us now.

subset: commoncrawl


text:
Looking for a quirky card to delight your sweetheart? You've found it! "Autopsy à L'amour" is sure to put a smile on your favourite person's face.
PLEASE NOTE: This listing is for the purchase of digital files only. You will not receive a physical product. No envelope is included. Files are non-editable and for personal use only. Actual colours may vary depending on screen resolution and your printer's ink volume. All sales final.
Find more fun, fantastical, and quirky hand-drawn art at flittermouse.ca
You've purchased this product
See it in your libraryView in Library
We charged your card and sent you a receipt
You'll need an account to access this in our app. Please create a password to continue.
Download from the App Store or text yourself a link to the app
Has anyone told you lately how much you ROCK?
Thank you for supporting an indie artist! I hope you enjoy your new art as much as I enjoy drawing it! :3
Good news! Since you already have a Gumroad account, it's also been added to your library.


text:
A wedding ceremony day is full of moments that need to be taken on video. The couple wants to remember this day for the rest of their life, so it is essential for the photographer to pay close interest to what's going on around him, so he does not miss anything at all.
A good wedding photographer mixes into the background by natural means, snapping photographs without interfering with the special events taking place all around him.
Professional wedding photographer in London takes pictures for wedding ceremonies and celebrations. Photographers are employed to cover everything from arrangements to the formal wedding itself, as well as take images of family and friends in attendance. He, a wedding photographer based in London, owns a studio. With years of experience in wedding photography, he has captured a range of weddings and social events. He provides a relaxing contemporary approach to wedding photography in London. His innovative flair mixed with a relaxed, non invasive approach allows him to generate detailed visual comments of your day.
Your wedding day approaches and whether you are planning for a conventional wedding, Sikh wedding, Muslim wedding or a simple ceremony, one of the crucial decisions you have to take is about the type of photography you want. After all, this is one of the most important days of your life and you also want it taped for a life-time. When it comes to Islamic Wedding Photographers, we use our design and style skills from our background in architecture to generate well-designed cool layouts for your wedding snapshot albums. Asian weddings can vary with regional cultures. However we provide the perfect option for a modern photography that shows traditional values, to give you memories to last a lifetime. We create wedding videos that are modern-day yet indicate individual Asian traditions. Our exclusive cinematic design and style is well matched to catching the visual elegance of an Asian wedding. What differentiate us are not just our creativeness, but also our stability and Professionalism. Our videographer in London is always carefully co-ordinated to make sure you of the best quality work.
Whether it's traditional or casual style of wedding video graphy, our team of experts captures people at their most natural with genuine shots as the day goes on.
The flowers, the family and friends, the environment, the blushing bride, the anxious groom, the wedding vows and the wows…make them last forever. We make weddings unforgettable and unique with efficient and professional Indian wedding videographers as per the international standards.
Keywords: videographer in London, photographer in London, Islamic Wedding Photographers
By: Himanshu
Article Directory: http://www.articlecatalog.com
Copy and Paste Link Code:
Read other Articles from Himanshu:
- How to Make a Zero Bug Office
- Remove the Corporate Espionage with the Latest Bug Detecting Devices
- A Better Way Of Sale By Epos System
- An Introduction to Jamaica Wedding
- Getting a Welcoming Shop Front
- Bug Sweeper to Protect Level of Privacy
- Things You Should Consider Before Hiring Removal Companies
- About Television Repairing in Birmingham
- Man And Van Company: Things To Check Out Before You Hire One
- SEO Services in London: Things To Know Before You Hire
Article ID 1002836 (Views 918)
Announcement from Our Sponsor
Cancer Drugs like Lenvima (generic version Lenvatinib), Imbruvica (generic version Ibrutinib) now have generic versions at tremendous savings. Brain boosting drugs like Provigil (generic version Modafinil) and Nuvigil (generic version Armodafinil) are also popular.


text:
"Admitting and dealing with fear is a major key to overcoming obstacles in the repackaging process," says Quinones.
(PRWEB) September 15, 2010
The unemployment rate rose slightly in August but rose significantly for older Americans. According to the Bureau of Labor Statistics, unemployment for those 45-54 rose from 7.5 to 8.1% and 55+ from 6.9 to 7.3% in the month. That's up 131% and 135% respectively, compared to 96% overall, since December 2007. Since December 2007 over 40% of the new unemployed are between the ages of 35 and 54. In addition, nearly 20% of the new unemployed are 55 years of age or older. Currently, there are more unemployed workers over 35 than there are under 35 for the first time in U.S. history. And due to age and other factors it is also much tougher for older Americans to find employment once they've lost their jobs. This makes future employment and retirement much more tenuous.
Many older Americans are stuck trying to make it in a world where the old rules no longer work. As a result, midlife transition expert Anthony Quinones says the future looks bleak. "If you lose your job in your mid-40's or early 50's you may be too old to get that job paying what you were making but you're too young to retire. So what do you do? The old paradigm no longer works so we have to create our own paradigms to sustain us," says Quinones.
Most people have been forced to change but go about it the wrong way. Quinones says that many older Americans are in denial. "They want to change but they don't want to assess where they are because they are afraid of what they may see."
First, one must look at the foundation of their life and strengthen it before they can build on it. Part of that foundation is dealing with fears. "Admitting and dealing with fear is a major key to overcoming obstacles in the repackaging process," says Quinones.
Quinones believes that anyone looking to change their career, their business or their life can benefit from his coaching services but his primary target is those 35 and older who have been adversely affected by the recession. He outlines five areas to examine in your current package and a five-step process to repackage yourself. His goal is to give older Americans hope without disillusioning them. Despite the facts Quinones believes there is hope for this generation with a little soul searching. "We have a lot to give. We just have to look inside of ourselves and use the gifts, talents and expertise we already have to get unstuck and overcome."


text:
A new competitive grant fund of $4.3 million is now available for conservation work to protect and enhance the Delaware River Watershed. Quality-improvement programs, habitat restoration, flood mitigation, and other conservation and protection projects are eligible for the Delaware Watershed Conservation Fund. The fund will be administered by the National Fish and Wildlife Foundation. (Grant applications are being accepted through Thursday, September 27.)
In addition to providing drinking water to more than 15 million people, including in New York City and Philadelphia, the watershed is a vital resource for all the five states that contain it — New Jersey, Pennsylvania, New York, Delaware, and Maryland. It supports billions of dollars' worth of economic activity annually and its ecosystem services to the region include water filtration, forests and wetlands, and carbon sequestration. It is home to more than 200 species of fish, oysters and crab that support numerous recreational fisheries and a diverse marine ecosystem.


text:
Imagine being able to tell other bloggers about your post, then having those bloggers continue the post and link back to you. By planting a 'seed' with a blog post, you can start a Buzz by having other bloggers link back to your blog (which creates better SEO) and participate on the same subject.
Buzz is a social networking product with Google.
If you enjoy blogging, this is an article worth reading. A free membership for 30 days gives you an opportunity to try it out, then pay less than $5/month to continue.
Check it out here at www.seededbuzz.com


text:
Traditional gender roles may play a part on the road to divorce for many couples in California. While many marriages begin on an equal footing in terms of household responsibilities and career advancement, many other couples assume that husbands and wives will follow traditional roles. While each type of marriage may be successful, shifting roles can cause uncomfortable change that could eventually lead to divorce.
One study by researchers in Sweden found that women whose careers suddenly took off after they started off their marriages not working or earning less than their husbands were more likely to divorce. It can be difficult for couples who started out with traditional gender roles to evolve their relationships as the women's careers thrive. Wives who are more career focused may be able to pay for professional cleaning and child care, but the shift can be jarring when they earlier had spent most of their time in the home caring for the children. In addition, some husbands, particularly those in traditional marriages, feel that their careers are a particularly important source of identity, particularly as a family provider.
For men who fit this description, being replaced as the family breadwinner by their wives can be difficult to handle. Husbands can become controlling of their wives' success in some cases; in other situations, they may back away from their own career but without picking up the slack in terms of household chores. Having an open discussion about careers, gender roles and the future can be particularly important not only before but throughout a marriage in order to deal with evolving changes positively.
Despite their best efforts, however, many couples find that they have grown apart over the years and that it is time to divorce. A family law attorney can provide counsel and representation to a divorcing person to advocate for a fair settlement on issues like asset division, child custody and spousal support.


text:
2018 Annual Report
Thank you for your continued support of T1D Exchange. We are looking forward to an exciting and productive year, as we build the most robust type 1 diabetes data platform in the United States and drive innovation to help us achieve our mission. We are dedicated to accelerating therapies and improving care for people living with type 1 diabetes. Looking back upon 2018, we share with you our Annual Report.


text:
Nursing Sister Agnes Estelle Alpaugh served in the Canadian Army Medical Corps during WW1. Her military file mention that she received the British War Medal, although there was not a long period of time between her enlistment and her death. It is very unlikely that she went to UK and came back to Canada in October.
She was born in 1892 and enlisted on July 4th, 1918.
Died on October 12th, 1918 from Spanish flu (pneumonia) in a military hospital in New – Brunswick at the age of 26. It was her second attack of this disease.
Her medal (probably entitled only to the British War medal), Memorial Plaque and Memorial Scroll were sent to her father, Robert Alpaugh
The Memorial Cross was sent to her mother at the same adress.
If you know more information on this lady, please leave me message so I can add it to her small biography
Nursing Sister Agnes Estelle Alpaugh gravestone in St-Jean-sur-Richelieu Roman Catholic Cemetery
click on the image to enlarge


text:
Live at Snyder
January 25, 2011
Rebranding an iconic former church building as a public event venue isn't an everyday challenge, but the logo produced by BroadBased Senior Art Director Karen Kurycki is truly, well, praiseworthy. The Live at Snyder! brand captures the familiar lines of the now-desanctified Snyder Memorial Church at the corner of Monroe and Laura Streets while conveying the excitement surrounding the building's new role.
Karen worked with the City of Jacksonville's Office of Special Events to develop the memorable logo for the Snyder building, which has become a popular spot for Art Walk activities and a venue for lectures, movies and concerts, with capacity for up to 300 guests.
"My biggest challenge was to make use of the building's instantly recognizable façade while at the same time giving the image a 'facelift' for its new purpose," Karen says. "With some playful angles and energetic typography, we were able to accomplish our goals."


text:
Final Day Donkey vs. Elephant
June 12, 2008
So, it's that time. The comparison is about to come to an end. What have I learned? The first lesson is that I shouldn't pick two blogs to compare based on their names. I liked the name Instapundit so I picked it as the Republican blog that I would follow. The main problem here is that a majority of the postings were not political. This made the comparison harder since it seemed to be apples and oranges most of the time. There didn't seem to be many strong opinions for the posts that were political. If the posting was discussing something that might be detrimental to a Republican it was very short and trite.
As for The Daily Kos it was very political. Every story was about politics. If something might put a Democrat in a bad light the posting was long and gave counter arguements. It was very heavy handed when it came to Republican mistakes. This is an opinionated blog and proud of it.
What I really learned is that the two blogs, leaning different ways, discussed different stories. Very rarely did the two mirror any stories at all. In this way a completely different view of current events is portrayed. Unless you read both you'd miss a lot of news. Each glosses over what the other found important. These blogs might be nice supplements to other news sources but I wouldn't recommend either one as a main source of information. Too much would slip through the cracks and opinions.


text:
Torrey Pines
Activities abound on and above this famous 3-mile stretch of beach. On the southern end, the Torrey Pines Gliderport (flytorrey.com, 858-452-9858) offers hang-gliding and paragliding lessons year-round, including tandem flights and equipment rentals, starting at $150 for a tandem flight. High above sandstone cliffs, flying affords the glide-alongs an idyllic view of the bluffs, the ocean, La Jolla and surrounding areas—maybe even some of the Black's Beach nudists. Hikers and trail runners love Torrey Pines State Reserve (858-755-2063, torreypine.org), where eight short trails—ranging from 100 yards to 1.3 miles, amid 2,000 acres of chaparral, Torrey pine trees and infinite ocean vistas—are perfect for day treks.
With gentle winds and a sterling pedigree, San Diego is a sailing paradise. And learning is easier than you think. Instead of hanging out in yacht clubs hoping for a lift, check out one of San Diego's sailing and rental clubs: Harbor Island Yacht Club (800-553-7245,harboryc.com
), Harbor Sailboats (619-291-9568,harborsailboats.com
) and Seaforth Boat Rentals (619-239-2630,seaforthboatrental.com
). All offer lessons, and in no time you'll be heading out for all-day or overnight voyages. For the thrill of big-boat racing, check out Dennis Conner's America's Cup Experience (800-644-3454,stars-stripes.com
) and help sail 80-foot, America's Cup–winning boats on the open ocean.
Surfing, Stand-Up Paddle Surfing and Kitesurfing
When swells assail the coastline, nothing can contain the hordes of surfers migrating west. We have an enormous array of surfing breaks to choose from. If you've never surfed but always wanted to learn, start by checking out Pacific Surf School in Mission Beach (619-742-2267, pacificsurf.org). Group and privatelessons are available—including all-important etiquette guidelines for how to act in the water—starting at $85. Now you're ready to surf. Patagonia Cardiff's manager, Devon Howard, recommends easing into gentle peelers at La Jolla Shores or Tourmaline Surf Park in Pacific Beach. If the water's flat, give stand-up paddling a try. Traverse Mission Bay or other uncrowded spots with the help of Bob's Mission Surf Shop (858-483-8837, missionsurf.com). Finally, the wind doesn't have to be a harbinger of doom for surfers. Manta Wind and Water Sports (858-610-6000, mantawatersports.com) offers kitesurfing lessons starting at $179.
When the tide recedes, a bustling underwater world comes into view at Point Loma's tidepools. For the best time to visit, contact Cabrillo National Park (619-557-5450,nps.gov/cabr
) and keep an eye on the tide charts. Rangers lead daily walks during low tide and point out sea creatures such as octopus, sea anemone, lobster, starfish and crabs. Perfect for families—but expect to get wet, wear shoes with good traction, and respect the ecosystem.
Swimming, Snorkeling and Scuba Diving
Explore the open ocean powered only by your arms and legs. La Jolla Ecological Reserve, between La Jolla Cove and La Jolla Shores, is packed with swimmers and divers. Swim 1.5 miles from Cove to Shores, or participate in La Jolla Cove Swim Club's frequent events. For snorkeling, San Diego Bike & Kayak Tours (858-454-1010, sandiegobikeandkayaktours.com) provides tours and rentals. View seals, rays, sharks, dolphins and an amazing diversity of life in the protected reserve. For more time underwater, learn to scuba with Ocean Enterprises (858-565-6054, oceanenterprises.com) or another dive outfit. You'll be certified in no time and ready for the deep blue sea—"the great unifier," according to Jacques Cousteau.
Tandem or single, kayaking is a great workout and an exhilarating way to explore our waters. Numerous kayak rental companies line Avenida de la Playa, including San Diego Bike & Kayak Tours. Boats launch from La Jolla Shores, and rentals are available for tours or solo outings (two hours minimum). Explore the caves lining the nearby cliffs, paddle all the way to the Cove and back—and maybe catch a wave on the way in.
Sleep under the stars and on the bluffs at San Elijo State Beach (760-753-5091, parks.ca.gov) and Carlsbad State Beach (760-438-3143, parks.ca.gov). Whether you want unrivaled beach access, the sound of crashing waves lulling you to sleep or a jump on the dawn-patrol surfers, these campgrounds offer it all without leaving the city. So build a fire, roast some hot dogs and inhale that healthful, briny air. A little farther north, camp at San Onofre State Beach (949-492-4872, parks.ca.gov), near Camp Pendleton.
Anthony Thomas, operations manager at Fallbrook-based Ellsworth Bicycles, shares a great bicycle ride through the beautiful mansions and landscape in Fairbanks Ranch and Rancho Santa Fe, finishing along the coastline. The start at Sorrento Valley Road—take your choice of back roads—leads through eastern Del Mar and on to Rancho Santa Fe. Once you're in Rancho Santa Fe, there are miles of
road, lined with gorgeous estates, to ride around. It's easy to continue up through Encinitas, finishing along Highway 101, "one of the most breathtaking coastline rides you could ever imagine," Thomas says. "This 50- to 60-mile, three- to four-hour loop along back roads offers the best scenery San Diego has to offer and minimizes conflict with cars and other motorists."Google recently added a bike-route-finding feature to its maps software (maps.google.com
Mountain Biking
San Diego is rich with picturesque trails for mountain bikers. Anthony Thomas of Ellsworth Bicycles suggests, among many, a 19-mile loop combining Los Peñasquitos Canyon and Del Mar Mesa. Or there's the hilly terrain of Palomar Mountain. However, his top pick is Mission Trails Regional Park. Full of botanical scenery, wildlife and steep hills to get a rider's adrenaline pumping, it also offers easy access and trails for beginners and advanced riders.
One recommended ride in the park starts at the Jackson Drive trailhead. Speed down a fire road, crossing the San Diego River. Proceed up a steep gravel road with a breathtaking vista of the valley below. Follow the road into the valley, turn onto the Suycutt wash trail, and ride north. Back down into the valley, ride to the saddle between the Fortunas. Hold on as you bike back down the "Alley." Riding through grasslands, you'll encounter the Father Junípero Serra Trail. Ride to Mission Gorge Road, turn right for two-tenths of a mile, and you'll complete the loop of about 6 miles. For many more detailed routes around San Diego County, Thomas suggests visiting mountainbikebill.com.
Rock Climbing
Don't just get out, get up. Climbing is a serious physical and mental workout, and while San Diego County isn't blessed with an abundance of climbing spots, here are several that offer a tremendous test for beginners and pros alike. Jeff Leads, climbing team manager for Vista-based climbing brand Prana, shares some of his favorites.
First, visit a local climbing gym. Solid Rock (619-299-1124, solidrockgym.com) has locations in Old Town, Poway and San Marcos; Vertical Hold (858-586-7572, verticalhold.com) is in Miramar. If you prefer instruction, Adventure 16 and REI offer classes indoors and out on the rock, where you'll learn basic climbing skills, knot-tying, belaying and rappelling.
Next, check out the popular wall at Mission Trails Regional Park, with 185 lead and top-roping routes. Equally popular is the 300-foot El Capitan Wall (619-561-0580, sdcounty.ca.gov/parks) near Lakeside. With more than 150 established routes ranging from intermediate to difficult, there are climbs for determined newcomers and veterans. Views from the top range from Mexico's Coronado Islands to the San Bernardino Mountains.
Finally, Leads says Mount Woodson near Poway is an established, old-school climbing mecca popular since the 1950s, with numerous routes.
Better news: Bouldering, rock-climbing's low-altitude sibling, is untapped in San Diego, according to Leads. From Santee to Fallbrook, thousands of rocks are waiting to be discovered. Better-known bouldering spots include Mount Woodson, the Santee Boulders and the Crest Boulders. For fun in the city, there's the La Jolla People's Wall (south of the Children's Pool on Coast Boulevard) and the Pump Wall in Ocean Beach (below Sunset Cliffs Boulevard between Adair and Osprey streets).
With so many trails, where to begin? Afoot & Afield San Diego County author Jerry Schad shares his picks, factoring in accessibility, beauty and experience:
For scenic vistas, Schad says Cowles Mountain in Mission Trails Regional Park (619-668-3281, mtrp.org) simply can't be beat. On a clear day, you can see downtown, the mountains, the ocean and Mexico. Though there are at least four ways to the top, the 3-mile, two-hour round-trip south approach is the most popular. Trailhead is at the east corner of Navajo Road and Golfcrest Drive.
The best mountains in the county, says Schad, are the Palomar Mountains. He recommends the Doane Valley Nature Trail in Palomar Mountain State Park (760-742-3462, parks.ca.gov). He cites the abundance of cedar forest at 0.7 miles (or 2.5 miles when combined with the Weir Trail). Trailhead located in the parking lot for Doane Pond on Palomar Mountain.
For something more strenuous, head to Volcan Mountain (760-765-4098, volcanmt.org). Its 3.2-mile round trip takes hikers through oak and pine forests to a summit with vistas of the forest meeting the desert. Trailhead is on Farmer Road, 2 miles north of Julian.
Every San Diego hiker must visit Cedar Creek Falls. It's 4.5 miles round trip, and in springtime, as the snow melts, the 90-foot falls make a cool picture, and the 20-foot-deep punch bowl below offers a refreshing swim. Trailhead is off Highway 78, 1 mile west of Julian. Turn onto Pine Hills Road, then Eagle Creek Road, which becomes progressively poorer and bumpier.
Afoot & Afield San Diego County author Jerry Schad also shares his recommendations for desert exploration:
The easy, 1-mile Cactus Loop Trail takes hikers past numerous teddy bear cholla cacti, in addition to other interesting varieties. Look, but don't touch these "jumping" cacti—underneath that furry exterior lie razor-sharp thorns. Located 18 miles east of Julian on Highway 78, at the Tamarisk Grove Campground turnoff.
A more demanding hike can be found at lower Hellhole Canyon, near Borrego Springs. After a mile or so of the sycamore-, cottonwood- and palmlined 4.8-mile (round trip) hike, you'll come upon a grotto into which the water of Maidenhair Falls plunges—a welcome sight in the desert. Determined hikers can proceed from there, which involves a bit of bushwhacking. Off Palm Canyon Drive, 0.7 miles north on Montezuma Highway from Borrego Springs.
Dirtbiking and ATV Riding
Whether you prefer two wheels or four, "It's really a gift we have here in Southern California ... all these acres of land with trails and areas to play with off-road vehicles," says Mark Gusciora, general manager at North County's House of Motorcycles. He recommends beginners enroll in a safety-riding course, widely available at state parks and or tracks (many dealers have contact info), including Pala Raceway (888-PALAMX, palaraceway.com), a partner of the cycle shop. From there, start slow, then move to more exciting areas—in safe environments like Pala Raceway—to perfect the basic skills. When you're ready for the great wide open, the unanimous choice (except in summertime) is Ocotillo Wells, near Borrego Springs (760-767-5391, parks.ca.gov). "There's unspoiled terrain you can traverse at your own comfort, or be challenged when you want to be," Gusciora says. "It's just a great place to go."


text:
Ennio Morricone composed and arranged scores for more than 500 film and television productions, making him one of the most influential and best-selling film composers since the late 50s. The Legend of 1900 (Italian: La leggenda del pianista sull'oceano, The Legend of the Pianist on the Ocean) is a 1998 Italian drama film directed by Giuseppe Tornatore and starring Tim Roth, Pruitt Taylor Vince, and Mélanie Thierry.
- 180 gram audiophile vinyl
- PVC protective sleeve
- Jacket with silver foil finish
- MOV hype sticker
- Includes insert
- Golden Globe Award for Best Original Score
- Multiple Award-winning movie
- Includes the song "Lost Boys Calling" featuring Roger Waters & Eddie van Halen
- Limited edition of 1000 numbered copies on transparent blue vinyl
Read More
|Catalog # : MOVATM110
|Format : 1 LP, 180 gram
|Releasedate : 2019-10-18
|Barcode : 8719262011380
|Sleeve : 3mm
|Original Release : 1998


text:
Some Contractors find it difficult to handle large Ft Myers Commercial Services projects, so even if they say they can do the job – when it comes time to deliver results – they are hard-pressed to step up to the challenge. You don't want to hire the wrong contractor for your Ft Myers Commercial Services work and find out half way through the project that your contractor isn't equipped to handle the demands of your large project.
When you need a contractor that can handle the big demanding Ft Myers Commercial Services jobs, check into PIE Superior Services.
Here are some good reasons to hire PIE Superior Services for your Ft Myers Commercial Services project.
- Experience Handling All Sizes of ProjectsWe have over 30 years of experience providing Ft Myers Commercial Services. We don't just say we can deliver results on large jobs we have done it many times.
- Equipment to Handle Large ProjectsThe right equipment for your Ft Myers Commercial Services project makes all the difference. We have a fleet of trucks, vans, trenching equipment and other heavy equipment to handle the big jobs efficiently.
- Competitive RatesOur well trained workforce and depth of experience handling large projects gives us an advantage because we can get the job done more efficiently. This means we can give you very competitive rates. Call us for a quote on your Ft Myers Commercial Services job. You will be pleasantly surprised at how competitive we are.
When you have a Ft Myers Commercial Services job, big or small, contact PIE Superior Services to take advantage of our experience, get our fleet of heavy equipment on your job at a competitive rate. Call today for a quote at (239)489-0531.


text:
Love Yourself : 結 Answer
BrandonC, Managing Editor
September 24, 2018
K-pop group, Bulletproof Boy Scouts, or Beyond The Scene (BTS), released the finale album of their trilogy series titled, "Love Yourself" on August 24, 2018. This album, called "LOVE YOURSELF : 結 Answer," broke an enormous amount of records both domestically and internationally, as did many o...
Love Yourself : 轉 Tear
BrandonC, Staff Reporter
June 4, 2018
K-pop group, Beyond The Scene (BTS), released their most recent album on May 18th, 2018. "Love Yourself: 轉 Tear" is their third full album and is part of a trilogy series called "Love Yourself." Their previous album, "Love Yourself: Her," ranked 7th on the Billboard 200 chart, setting a ...
Review: Relaxer
ColinH, Staff Reporter
March 21, 2018
Many of you out there may or may not be familiar with the band 'Alt-J'. They are an alternative/indie band out of the United Kingdom that many may associate with the song 'Breezeblocks'. Anywho, last year, in June 2017, they released their third full length album "Relaxer". Following what...
Harry Styles
KaylaP, Staff Reporter
May 17, 2017
On May 12th, 2017, former member of One Direction, Harry Styles, released his first studio solo album. With 10 songs on this album, it caught old One Direction and the rest of the world by surprise. When One Direction announced their "break" over a year ago, many feared that they would never hear...
"Awaken, My Love"
SarahW, Staff reporter
December 7, 2016
Recording artist Childish Gambino released his third studio album entitled "Awaken, My Love" on December 2nd, 2016. The album captures the essence of genre blending which the hip hop genre is notorious for. Blending rock and folk with hip hop makes this album very unique, separating it from a lot...


text:
As much as we'd like to explore the world, that dream can get pretty expensive. Once you factor in the cost for hotels, food, leisure, transportation, and other expenses, you're probably too worried about your dwindling bank account to actually enjoy the trip. However, everyone needs a little adventure, so IKO Community Management has some tips and tricks for you on traveling on a budget:
Make a call or two. Most hotels and airlines have toll-free phone numbers for handling basic questions about customer service, so before booking reservations or tickets online, call the company to see if you can strike a deal with the supervisor or manager. This is especially helpful if you're celebrating a big occasion like a birthday, anniversary, or honeymoon. If you're going away just for fun, tell the person that you've seen a less expensive deal online and ask them to match it.
Plan ahead. It can get tricky to plan a vacation in the middle of your kids' sports season or while work is busy, but if you get the chance to set aside some time, your wallet will thank you for it. You can take advantage of early bird specials on airlines, cruises and other hot packages. Another good way to get the most for your money is to travel during off-peak times. This means avoiding the rush of holiday and summer travel, which means it'll be less expensive and less crowded.
Dine, shop, and tour like a local. By avoiding the big-chain restaurants, hotels, malls and attractions, you'll save yourself a little cash. Plus, acting like a local is way more fun than stumbling around as a tourist. Check out sites like AirBnB, Couchsurfing, and Hostel World for less expensive sleeping accommodations.
Pro tip: Make lunch your main meal of the day. Lunches are often 30 percent cheaper than dinner entrees no matter where you travel. Once you have a heavy lunch, keep the cost down by making a quick dinner at your hotel.
Don't take what you don't need. Airlines charge for extra baggage. Lugging your suitcase to the third floor of a hotel is exhausting, and you don't wear half of those clothes on vacation anyway. Save yourself some time, money, and stress by packing the bare essentials, and take advantage of inexpensive laundry service, free toiletries, and continental breakfast.
Take shorter trips. A 10-day getaway on a tropical island or a week backpacking through Europe sounds incredible, but most of us don't have the time or expenses to do so. Instead, take a long weekend (3 to 5 days) to travel somewhere on your list of dream destinations. You'll save some money on all of the expenses, but you'll still have a great experience.
Use your discounts. There an abundance of discounts on traveling, if you know where to look. If you're a college student, a senior, or in the military, you can find discounts almost anywhere. If you belong to a membership like AAA or AARP, check the company's partners for travel discounts, and families (or parties of 5 or larger) can get discounts on transportation and tourist activities.
Traveling is on almost everyone's bucket list, but hardly anyone finds the time or funds to do so. Make sure you get to your dream destination one day using these handy money-saving tips.
From all of us at IKO Community Management, safe travels!


text:
School Health & Wellbeing Service
The previous school nursing service was provided by Compass Wellbeing and was taken over by GP Care Group in September 2018. They accept referrals for children and young people attending schools in Tower Hamlets.
School nurses write Individual Health Care Plans (IHCP) for children and young people with medical conditions when medication is required in school or there is a risk that emergency interventions may be needed. For example, this may be the case if a child has eczema, asthma, allergies or any other health condition.
Your child may have already been referred by the Medical Needs Co-ordinator at Sir John Cass & Red Coat for a care plan but due to this change of provider we no longer have a named school nurse and there is currently a waiting list.
If your child is under the care of an Allergy or Asthma nurse or Paediatrician for any other medical condition you must give a copy of their care plan and any relevant clinic letters to the Medical Needs Co-ordinator so that we can support your child in school.
If you want to talk to the School Health & Wellbeing Service directly please call 0203 950 7176 or you can refer your child to them using the link below.
For further assistance please contact Mrs Anderson, Medical Needs Co-ordinator on extension 198.


text:
For the second year in a row, the Clay County school district has declared an impasse after extended 2010-11 contract negotiations with its teachers union, prompting the two sides to seek help from a federal mediator.
Bargaining teams for the district and the Clay County Education Association, which represents Clay teachers, will meet with a mediator Thursday, May 12.
"Both sides agreed ... to give it a go," said Deputy Superintendent Denise Adams.
Such mediation is provided at no charge by the Federal Mediation and Conciliation Service, an independent federal agency. If federal mediation is unsuccessful, a special master could be appointed to hear the case and make a recommendation to the School Board. At that point, the board would have final say on whether to make contract changes or to impose its proposal.
The issues in dispute are compensation and insurance costs, according to Elizabeth Crane, president of the association.
Teachers want a step salary increase based on experience and object to the district's decision to make employees pay part of their insurance costs. The union took the insurance issue to arbitration last year, charging that the district illegally imposed the insurance costs on employees without required contract negotiations, Crane said. The union won that argument - the district recently paid $1.1 million in refunds to teachers as well as support employees, who are represented by a different union, she said.
The district's impasse declaration was the latest step in contentious contract talks that began last spring. Typically, such talks produce tentative deals in summer or fall, followed a few weeks later by School Board ratification. A tentative deal was finally reached in January, but in February, the School Board said no.
The board pleaded poverty, saying that given the current economic climate and expected state funding cuts, the district could not afford the deal's $1.7 million worth of increased salary and benefits. With no new contract approved, the 2009-10 contract remains in effect.
State law prohibits a walkout or strike by teachers, but they could leave the district or opt to follow the contract strictly - such as not contributing volunteer hours, sponsoring clubs or spending their own money on activities and the classroom.
On April 20, the board approved a new four-year master contract with the Clay Educational Staff Professionals, which represents support employees. The 2010-11 salary and benefits part of the deal, which, like the teachers' contract, had been the subject of extended talks over compensation and insurance, included no pay raises.


text:
Girl, Stolen by April Henry is about this girl named Cheyenne Wilder, and what happens when she gets kidnapped by accident. Cheyenne Wilder is sleeping in the back of her stepmom's car while her mom gets medicine for her. Suddenly Cheyenne realizes that their car is being stolen. The kidnapper, Griffin, hadn't meant to kidnap Cheyenne, he really just want to steal the car. Once Griffin's dad figured out that Cheyenne's father is the president of a powerful corporation, everything changes. They now have a reason to keep her. Cheyenne has to survive this nightmare. Not only is she sick with pneumonia, she's also blind.
Girl, Stolen is a very suspenseful novel. This book is constantly interesting and never bored me. My favorite aspect of this book was how brave and resourceful Cheyenne was and how thoroughly her blindness was integrated into the story. Her blindness was presented in a believable and enlightening way, and I liked that she was so smart and capable. This was such a fascinating read. It was thrilling and fast-paced, I literally gasped a few times! The story was told from alternating view points and sometimes this can be distracting, but here it really worked well. Both main characters were really well written
Reviewed By: Emily R., Grade 9
Montrose Library


text:
Service Search Results
· 73 James P Kelly Way, Middletown, NY, 12550 · Map
Provides information on various support groups within the county.…Details
· 1202 Lexington Avenue, #288, New York, NY, 10028 · Map
Provides referrals for medical and genetic support to families of children afflicted with Tay-Sachs and allied diseases. Also makes referrals to parents outreach and on-going parent support groups. Referrals for current testing to area laboratories that participate in quality…Details
· 845 North Broadway, White Plains, NY, 10603 · Map
Confidential telephone information and referral service helps people find self-help groups. Trains group leaders and helps form new groups.…Details


text:
Driving qualified traffic to your site via organic search can be very challenging, especially in highly competitive markets. We all know SEO (Search Engine Optimization) is critical to increase organic traffic to a site, but if you're failing to make specific optimizations then you're missing out.
On May 12th Google shortened the length of meta description snippets that appear in the SERPs. Danny Sullivan of Google wrote, "Our search snippets are now shorter on average than in recent weeks." He added that they are now "… slightly longer than before a change we made last December."
Competitor analysis is a crucial component of any successful B2C and B2B SEO campaign, but carrying out an effective competitor analysis can be challenging. Having a clear understanding of who you're going up against in organic search results is extremely important and it's the first thing you need to do when conducting an SEO competitor...
There are many reasons why your SEO competitors could be outranking you in organic search. Content, backlinks, page speed, and technical aspects (robots.txt, XML sitemaps etc.) are all things you should consider investigating to determine why your competitors are outperforming you. Let's dive in.
Google is constantly developing new algorithms to help improve their search results. In today's world, people expect to find information quickly, and Google is taking all the necessary steps to meet this demand.


text:
The Iris is the five-pocket jeans style with a super skinny cut, high-waist and tapered leg. The style is crafted from medium indigo stretch denim with a subtle worn wash and tonal stitching.
( VAT included / shipping expenses not included )
Model is 180 cm tall and wears a size 28


text:
HP LaserJet Pro M1536dnf Monochrome Laser All-In-One Sale $159.99 + Free Shipping
- Expired Sold By:
- More Office Depot and OfficeM Deals
Compare Current Prices
- Lowest Price Search
Office Depot and OfficeMax has a HP LaserJet Pro M1536dnf Monochrome Laser All-In-One Sale $159.99 Free Shipping. While supplies last. $202 at amazon. Rated 4 out of 5.
We have one and highly recommend it. Far cheaper per print than inkjet printers.
- ePrint technology lets you print from anywhere from your mobile device including iPhones
- Wired networking
- Automatic 2-sided printing
- Fast, professional printing at up to 26 pages per minute
- Sales tax in: Most States
- Part number: M1536dnf
- Report Error
Posted by: The ChiefShare Deal:


text:
Do you want to start a mortgage brokerage business? If YES, here is a complete guide to starting a mortgage brokerage business with NO money and no experience.
Okay, so we have provided you an in-depth sample mortgage brokerage business plan template. We also took it further by analyzing and drafting a sample mortgage brokerage marketing plan backed up by actionable guerrilla marketing ideas for mortgage brokerage businesses. In this article, we will be considering all the requirements for starting a mortgage brokerage business. So put on your entrepreneurial hat and let's proceed.
Table of Content
- Why Start a Mortgage Brokerage Business?
- Starting a Mortgage Brokerage Business – Market Research and Feasibility Studies
- Starting a Mortgage Brokerage Business – Legal Matters
- Is Professional Certification Needed to Run a Mortgage Brokerage Business?
- Starting a Mortgage Brokerage Business – Technical & Manpower Details
- Starting a Mortgage Brokerage Business – The Marketing Plan
Why Start a Mortgage Brokerage Business?
Shelter remains one of the topmost needs of human beings. People can go all the way to ensure that they have a place to rest their head after a hard day's work. No doubt, it might be a herculean task for the average person, especially those in the lower class and even the middle class of the society to save up the required money needed to purchase their own apartment. But the good news is that with Mortgage brokerage firms, you are able buy your desired property and pay at your convenience over a long period of time.
In reality, if you must be successful with your Mortgage Brokerage business, you must expand your network and build a thriving relationship with both key players in the real estate industry and banks. This is so because as a Mortgage brokerage operator, you will definitely depend on the corporation of both your bank and real estate firms to be able to make profit since all you get is commissions from the loan payments.
It is important to note at this juncture that if you are not careful with this kind of business, you might land yourself in trouble and be sued. That is why you must follow due process before securing a loan for your client. If you have clients that are always defaulting with their monthly payments, then you stand the chance of running out of business in no distant time. To secure yourself from any embarrassment, it is important that you buy liability insurance for your Mortgage Brokerage Business.
So, if you have done the required feasibility studies and market research, then you might want to venture into this business.
Starting a Mortgage Brokerage Business – A Complete Guide
- Industry Overview
Mortgage Brokerage firms are established with the sole aim of providing a convenient platform in form of long term loan to those who want to buy their own property. With the loan you get from the bank via a mortgage brokerage firm, you can finance any property of your choice as long as you pass the screening and evaluation process. The screening and evaluation is put in place to ensure that due process is followed before issuing a loan and the person receiving the loan must be credit worthy.
In other words, Mortgage Brokerage firms stand as the middle men between a Bank and Mortgage bank as the case may be and the individual or organization seeking to buy a property. Anybody or group of investors may start and own a mortgage brokerage firm as long as they meet the requirements for establishing such organization in the country they intend establishing the business.
The Mortgage Brokerage Services industry is indeed in a mature stage of its growth. The industry is characterized by growth in line with the overall outlook of the economy, consolidation from the largest players in the industry and wholehearted market acceptance of the industry products and services. The Mortgage Brokerage services line of business will continue to be in high demand by business establishments and individuals in the united states, most especially as the number of businesses and the need for accommodation increases.
The Mortgage Brokerage Services industry is indeed a major sector of the economy of the United States of America which generates well over $8 billion annually from more than 12,609 registered and licensed mortgage brokerage firms scattered all around the United States of America.
The industry is responsible for the employment of well over 44,756 people. Experts project the mortgage brokerage services industry to grow at a 6.3 percent annual rate. The establishments (online brokerage firms) in this industry that have a dominant market share in the United States of America are; Zillow and Lending Tree.
One thing is certain about starting a Mortgage Brokerage Services business, if you are able to conduct your market research and feasibility studies, you are likely not going to struggle to secure clients because there are always clients all across the United States who would need your services from time to time.
The fact that mortgage brokerage firms can easily be found in cities in the United States of America does not in any way make the industry to be over saturated, and the fact that there are people out there who would always need loan from time to time to sort out property related deals makes the business ever green.
Over and above, starting a mortgage brokerage firm requires professionalism and a good grasp of the financial and real estate market. Besides, you would need to get the required certifications and licenses and also meet the standard capitalization for such business before you can be allowed to start a mortgage brokerage firm in the United States; the industry is heavily regulated to guide against fraud and criminality.
Starting a Mortgage Brokerage Business – Market Research and Feasibility Studies
- Demographics and Psychographics
The demographic and psychographic composition of those who require the services of a mortgage brokerage firm cut across corporate executives, investors and business owners cum entrepreneurs who need long term loans to sort out real estate, property and accommodation related issues.
So, if you are looking towards defining the demographics of your mortgage brokerage business, then you should make it all encompassing. It should include corporate executives, investors, businessmen and women, start-ups, entrepreneurs, aspiring entrepreneurs and casual and full time workers within and outside the city you are operating in who have the capacity to pay back loans collected.
List of Niche ideas Within the Mortgage Brokerage Industry That You Can Specialize in
Most mortgage brokerage companies tend to operate general services that involve every business activity that a standard mortgage brokerage company is expected to offer, that is why it seem that there are no niche areas in the industry.
But on the other hand, some mortgage brokerage companies may decide to major in some key or niche areas such as;
- Brokering residential mortgages
- Brokering commercial and industrial mortgages
- Brokering home equity loans
- Brokering equipment financing arrangements
- Brokering vehicle loans
- Brokering residential mortgages online
- Brokering mortgage refinances online
- Brokering home equity loans online
- Providing an online mortgage marketplace
- Providing other related loan cum mortgage consulting and advisory services
The Level of Competition in the Mortgage Brokerage Services Industry
The level of competition in the mortgage brokerage services industry depends largely on your financial base (the liquid cash you can afford to lend out per-time and your access to cash) and how big and organized your mortgage brokerage company is.
The truth is that no matter the level of competition in an industry, if you brand and promote your products or services properly, you will always make headway in the industry. Just ensure you have what it takes to raise capital for your business, know how to reclaim loans from debtors and you know how to reach out to your target market (those who need long term loan to sort out property and facility related issues and can successfully pay back without much stress).
List of Well – Known Brands in the Mortgage Brokerage Industry
These are some of the leading mortgage companies in the United States of America and also in the globe;
- Quicken Loans
- Bank of America Home Loans
- Discover Home Loans
- Capital One Home Loans
- HSBC Mortgages
- S. Bank Home Mortgage
- Union Bank Home Loans
- State Farm Bank
- Wells Fargo Home Mortgage
- Nationwide Bank Mortgage
- CitiMortgage
- Fremont Bank Mortgages
- CashCall Mortgage
- PNC Mortgage
- Citizens Bank Mortgages
- GMAC Mortgage
- Chase Mortgage
- EverBank Mortgages
- Home Loan Investment Bank
- SunTrust Mortgage
Economic Analysis
When it comes to starting a mortgage brokerage company, you just have to get your feasibility studies and market research right before venturing into the business. It is good to mention that the mortgage brokerage business is not for rookies, it is for professionals who have successfully gathered the required experience and expertise to handle such business. But an aspiring entrepreneur can learn ropes on the job/business, you just have to be careful so that you won't get swindled.
Starting this kind of business definitely entails that you raise plenty of startup capital (pool cash from interested investors) and also build good working relationship with banks and other financial organizations that have the capacity to issue out long term loans. If you are already a wealthy person, this might not be an issue. Depending on the scale at which you want to start from, you might require as much as multiple thousands of dollars to strike this off.
Starting Your Mortgage Brokerage Company from Scratch vs Buying a Franchise
When it comes to starting a business of this nature, it will pay you to buy the franchise of a successful mortgage brokerage firm as against starting from the scratch. Even though it is relatively expensive to buy the franchise of an established mortgage brokerage company, but it will definitely pay you in the long run.
But if you truly want to build your own brand after you must have proved your worth in the financial services industry, then you may just want to start your own mortgage brokerage company from the scratch. The truth is that it will pay you in the long run to start your mortgage brokerage company from the scratch. Starting from the scratch will afford you the opportunity to conduct thorough market survey and feasibility studies before choosing a location to launch the business.
Please note that most of the big and successful mortgage brokerage services businesses around started from the scratch and they were able to build a solid business brand. It takes dedication, hard work and determination to achieve business success.
Possible Threats and Challenges You Will Face When Starting a Mortgage Brokerage Services Business
If you decide to start your own mortgage brokerage company today, one of the major challenges you are likely to face is the presence of well-established mortgage brokerage companies and also other related financial lending businesses (banks, micro money lending services, micro – finance banks) who are offering the same services that you intend offering. The only way to avoid this challenge is to create your own market.
Other threats that you may face as a mortgage brokerage company operating in the United States are unfavorable government policies, fraudulent people who may not want to pay back the loans collected, the arrival of a competitor within your location of operation and global economic downturn which may affect your ability to raise working capital or access loan on behalf of your clients. There is almost nothing you can do as regards these threats other than to be optimistic that things will continue to work for your good.
Starting a Mortgage Brokerage Business – Legal Matters
- Best legal entity to use for a mortgage brokerage business
When considering starting a mortgage brokerage company, the legal entity you choose will go a long way to determine how big the business can grow. Some mortgage brokerage companies design their business and services for the regional/community market, some for national market, while others for international market via franchising.
Generally, you have the option of either choosing a general partnership or limited liability company which is commonly called an LLC for a mortgage brokerage company. If your intention is to grow the business and have clients, both corporate and individual, from all across the United States of America and other countries of the world, then choosing general partnership is not an option for you. Limited Liability Company, LLC will cut it for you.
Setting up an LLC protects you from personal liability. If anything goes wrong in the business, it is only the money that you invested into the limited liability company that will be at risk. This is not so for general partnerships. Limited liability companies are simpler and more flexible to operate and you don't need a board of directors, shareholders meetings and other managerial formalities.
These are some of the factors you should consider before choosing a legal entity for your mortgage brokerage company; limitation of personal liability, ease of transferability, admission of new owners, investors' expectation and of course taxes. You can start this type of business as limited liability company (LLC) and in future convert it to a 'C' corporation or an 'S' corporation especially when you have the plans of going public.
Catchy Business Name Ideas Suitable for a Mortgage Brokerage Services Business
If you are considering starting your own mortgage brokerage company, here are some catchy names that you can choose from;
- Dink Dunk Mortgage Brokerage Services, LLC
- Housemate Mortgage Brokerage Company, Inc.
- Claire Moor Mortgage Brokerage Services, LLC
- Capital Express Mortgage Brokerage Company, Inc.
- Housetop Mortgage Brokerage Services, LLC
- Team Excel Mortgage Brokerage Group
- Life Trust Mortgage Brokerage Services, LLC
- Premier Mortgage Brokerage Services Ltd.
- San Jules Mortgage Brokerage Services, Inc.
- Life Line Mortgage Brokerage Services, Inc.
- JP Morison Mortgage Brokerage Services, Inc.
- Cape Nova Mortgage Brokerage Services, Inc.
Insurance Policies
In the United States of America and in most countries of the world, you can't operate a business without having some of the basic insurance policy covers that are required by the industry you want to operate from. So, it is imperative to create a budget for insurance policy covers and perhaps consult an insurance broker to guide you in choosing the best and most appropriate insurance policies for your mortgage brokerage company.
Here are some of the basic insurance policy covers that you should consider purchasing if you want to start your own mortgage brokerage company in the United States of America;
- General insurance
- Risk Insurance
- Credit insurance
- Deposit insurance
- Financial reinsurance
- Lenders mortgage insurance
- Health insurance
- Liability insurance
- Workers Compensation
- Overhead expense disability insurance
- Business owner's policy group insurance
- Payment protection insurance
Intellectual Property Protection/Trademark
If you are considering starting your own mortgage brokerage company, usually you may not have any need to file for intellectual property protection/trademark. This is so because the nature of the business makes it possible for you to successfully run the business without having any cause to challenge anybody in court for illegally making use of your company's intellectual properties.
Is Professional Certification Needed to Run a Mortgage Brokerage Business?
Aside from the results you produce as it relates to return on investment (ROI) and easy access to long term mortgage loans for your clients, professional certification is one of the main reasons why most mortgage brokerage companies stand out.
If you want to make an impact in the mortgage brokerage services industry, you should work towards acquiring all the needed certifications in your area of specialization. Certification validates your competency and shows that you are highly skilled, committed to your career, and up-to-date in this competitive market.
These are some of the certifications you can work towards achieving if you want to run your own mortgage brokerage firm;
- Certified Mortgage Broker
- GED Certification
- Degree in Finance Related Courses
Please note that you cannot successfully run a mortgage brokerage company in the United States and in most countries of the world without necessarily acquiring professional certification and business license even if you have adequate experience cum background in the financial services industry.
List of Legal Documents You Need to Run a Mortgage Brokerage Services Business
The essence of having the necessary documentation in place before launching a business in the United States of America cannot be overemphasized especially a mortgage brokerage services firm. It is a fact that you cannot successfully run any business in the United States without the proper documentations. If you do, it won't be long before the long arm of the law catches up with you.
These are some of the basic legal documents that you are expected to have in place if you want to legally run your own mortgage brokerage services firm in the United States of America;
- Certificate of Incorporation
- Federal Tax Payer's ID
- State Permit
- Mortgage Broker License
- Business License and Certification
- Business Plan
- Non – disclosure Agreement
- Employment Agreement (offer letters)
- Operating Agreement for LLCs
- Insurance Policy
- Consulting contract documents
- Online Terms of Use
- Online Privacy Policy Document
- Apostille (for those who intend operating beyond the United States of America)
- Company Bylaws
- Insurance Policy
- Memorandum of Understanding (MoU)
Financing Your Mortgage Brokerage Services Business
Aside from the required capitalization and pool – funds to invest with, starting a mortgage brokerage services firm can be cost effective. Securing a standard office in a good business district, equipping the office and paying your employees are part of what will consume a large chunk of your startup capital.
No doubt when it comes to financing a business, one of the major factors that you should consider is to write a good business plan. If you have a good and workable business plan document in place, you may not have to labor yourself before convincing your bank, investors and your friends to invest in your business or to partner with you.
Here are some of the options you can explore when sourcing for startup capital for your mortgage brokerage services firm;
- Raising money from personal savings and sale of personal stocks and properties
- Raising money from investors and business partners
- Sell of shares to interested investors
- Applying for Loan from your Bank
- Pitching your business idea and applying for business grants and seed funding from donor organizations and angel investors
- Source for soft loans from your family members and your friends.
Choosing a Suitable Location for your Mortgage Brokerage Business
The mortgage brokerage services firm and most financial services based type of businesses require that you see physically with your clients hence it must be located in good location; a location that is prone to both human and vehicular traffic and a location that is at the epicenter of a business district if indeed you want to attend to loads of clients and maximize profits from the business,
It cannot be overemphasized that the location you choose to open your mortgage brokerage services firm is key to the success of the business, hence entrepreneurs are willing to rent or lease a facility in a visible location; a location where the demography consists of people with the required lifestyle. If you make the mistake of renting or leasing a facility for mortgage brokerage services firm in a not too visible or hidden location simply because it is cheap, then you must be prepared to spend more in promoting the business and perhaps giving direction to potential clients.
These are some of the key factors that you should consider before choosing a location for your mortgage brokerage services firm;
- The demography of the location
- The demand for the services of mortgage brokerage services firms in the location
- The purchasing power of the residents of the location
- Accessibility of the location
- The number of mortgage brokerage services firms and related services businesses in the location
- The local laws and regulations in the community/state
- Traffic, parking and security et al
Starting a Mortgage Brokerage Business – Technical & Manpower Details
On the average, there are no special technologies or equipment needed to run this type of business except for customized loan services software, financial related software apps and social media management software applications. But you will definitely need computers/laptops, internet facility, telephone, fax machine and office furniture (chairs, tables, and shelves).
If you have enough capital to run a standard mortgage brokerage services firm, then you should consider the option of leasing a facility for your office; when you lease, you will be able to work with long – term planning, structuring and expansion.
As regards the number of employees that you are expected to kick start the business with, you would need to consider your finance before making the decision. Averagely, you would need a Chief Executive Officer or President (you can occupy this role), an Admin and Human Resource Manager, Fund Manager/Portfolio Manager, Risk Manager, Accountant, Business Development Executive/Marketing Executive, Loan Officers, Debt Collectors and Customer Service Officer or Front Desk Officer.
Over and above, you would need a minimum of 10 to 20 key staff to effectively run a medium scale but standard mortgage brokerage services firm.
The Service Delivery Process of a Mortgage Brokerage Services Business
On the average, the way mortgage brokerage services firms work varies from one agency to another, but ideally, a mortgage brokerage services firm is expected to first and foremost build a robust company profile before sourcing for working capital or partnering with banks and other long term loan issuing firms.
Basically, when clients visit a mortgage brokerage services firm for long-term loans, they are expected to come with all the necessarily documents and collateral and then fill the required forms. Proper screening of the documents and forms will be conducted by the loan issuing officer and other superior officers before the loan will be finally processed and issued to the clients.
Depending on the payment agreement reached by both parties, the customer will be reminded when it is time to start making installment payments for the loan collected and of course with interest. It is important to state that a mortgage brokerage services firm may decide to improvise or adopt any business process and structure that will guarantee them good return on investment (ROI) efficiency and flexibility.
Starting a Mortgage Brokerage Business – The Marketing Plan
- Marketing ideas and strategies
As a mortgage brokerage services firm, you would have to prove your worth over and over again before attracting investors and individuals to give you the needed liquid cash/working capital. So, if you have plans to start your own mortgage brokerage services firm, it will pay you to first build a successful career in the alternative financial services industry.
People and organizations will only commit their money under your care if they know that they are going to get good returns on their investment.
So, when you are drafting your marketing strategies for your mortgage brokerage services firm, make sure that you create a compelling personal and company profile. Aside from your qualifications and experience, it is important to clearly state in practical terms what you have been able to achieve in time past as it relates to the alternative financial services industry and the organizations you have worked for. This will help boost your chances in the market place when sourcing for clients/investors.
Please note that in most cases, when sourcing for funds from banks and other financial institutions, you will be called upon to defend your proposal, so you must be pretty good with presentations. Here are some of the platforms you can utilize to market your mortgage brokerage services firm;
- Introduce your business by sending introductory letters alongside your brochure to all the corporate organizations, households, start-ups, real estate investors, small and medium scale business community in the location you intend operating your business
- Advertise your business in relevant financial and real estate magazines, radio and TV stations (make yourself available for mortgage brokerage services related talk shows and interactive sessions on TV and Radio)
- List your business on local directories/yellow pages
- Attend international financial cum real estate investment expos, seminars and business fairs et al
- Create different packages for different categories of clients in order to work with their financial needs as it relates to loan and interest rates
- Leverage on the internet to promote your business
- Join local chambers of commerce and industries around you with the main aim of networking and marketing your services; you are likely going to get referrals from such networks.
- Engage the services of marketing executives and business developers to carry out direct marketing
Factors That Will Help You Get the Right product pricing
One key factor that will help you offer the best services or give out loans with interest rate that is highly attractive is to ensure that you source your working capital from sources that won't put pressure on you or give you high interest rate.
Another strategy is to ensure that you cut operational cost to the barest minimum, channel your efforts towards marketing and promoting your brand name. Aside from the fact that this strategy will help you save cost, it will also help you get the right pricing for your products and services.
You can also try as much as possible to work with independent contractors and marketers; with that, it will help you save cost for paying sales and marketing executives.
Strategies to boost your brand awareness and Create Your Corporate Identity
If your intention of starting a mortgage brokerage services firm is to grow the business beyond the city where you are going to be operating from to become a national and international brand, then you must be ready to spend money on promotion and advertisement of your brand.
In promoting your brand and corporate identity, you should leverage on the print, electronic media and also social media (the internet). As a matter of fact, it is cost effective to use the internet and social media platforms to promote your brand, besides it is pretty much effective and wide reaching.
Below are the platforms you can leverage on to boost your brand and to promote and advertise your mortgage brokerage services firm;
- Place adverts on financial and real estate related magazines and newspapers, radio and TV stations
- Encourage the use of word of mouth publicity from your loyal customers
- Leverage on the internet and social media platforms like; YouTube, Instagram, Facebook, Twitter, LinkedIn, Snapchat, Badoo, Google+ and other platforms to promote your business.
- Ensure that you position your banners and billboards in strategic positions all around your city
- Distribute your fliers and handbills in target areas in and around our neighborhood
- Contact corporate organizations, households, start-ups, real estate investors, small and medium scale business community in the United States et al by calling them up and informing them of your organization and the services you offer
- Advertise your business in your official website and employ strategies that will help you pull traffic to the site
- Brand all your official cars and ensure that all your staff members and management staff wear your branded shirt or cap at regular intervals.