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What Is An FHA Loan Down Payment? – FHA News and Views – FHA loan rules which govern the down payment are found in HUD 4000.1, the FHA loan handbook, and have plenty to say about the amount and sourcing of an FHA mortgage loan down payment. What Is An FHA Loan Down Payment? The FHA loan handbook describes the down payment, also known as a Minimum Required Investment.
5 Ways to Come Up With Your FHA Loan Down Payment – Loans guaranteed by the Federal Housing Administration, aka FHA loans, require that borrowers with at least a 580 credit score contribute a minimum 3.5% down payment. So, if you're after a $200,000 home, you need $7,000 in down payment money.
Consumer-friendly options open doors for US home buyers – Affordable Loan Solution mortgages are likely to compete with federal housing administration (fha) loans, which offer 3.5 percent minimum down payments. But for many applicants, they could prove to be.
FHA Loan Down-Payment Requirements 2018 – FHA Loan Down Payment Requirements & Everything You Need to Know About This Popular Government Mortgage. The minimum FHA down-payment is only 3.5, so, a person can get approved for a low interest mortgage insured by FHA at 96.5% Loan to Value (LTV).
Down Payment Assistance In Arizona – Home Plus Program The Home Plus Program provides a competitive 30 year fixed rate mortgage with a down payment assistance grant up to 3% of the loan amount on a home purchased in Arizona (except Maricopa and Pima counties).
home repair loans for people with bad credit
6 Low or No Down Payment Mortgage Options for 2019 – Other options, including the FHA loan, the HomeReady mortgage and the Conventional 97 loan offer low down payment options with a little as 3% down. Mortgage insurance premiums typically.
FHA Loan Down Payment Rules and Requirements – If you have a credit score between 500 and 580, a minimum of 10% down payment is required if you want to receive an FHA-insured mortgage loan. Each FHA-approved lender has specific regulations on down payments.
Is there a minimum amount for an FHA loan? – Quora – FHA has special requirements on condos. Many condos will not. You don't need much to hit the down payment on the condo. Just realize that.
how much down payment for fha loan calculator
FHA insured loan – Wikipedia – An FHA insured loan is a US Federal Housing Administration mortgage insurance backed. Since loans with lower down-payments usually involve more risk to the.. FHA loans require a minimum FICO score of 580 to qualify for 3.5 percent.
Minimum Down-Payment Requirements for a 30-Year Mortgage Loan. – The Federal Housing Administration (FHA) loan program has a down-payment requirement of 3.5% on all loans, including the 30-year mortgage. But these funds can be provided by a third party, in the form of a gift.


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I'm sitting down to type this after eating Halloween candy for lunch. Bless. Since my last post about pulling away, I've had several people stop and ask me for clarification. To each one I had no answer. I just knew God was calling me to step away. To give a little more space during this busy time.
I expected God to put His finger on the usual: Facebook, Blogging, Certain foods. That's how it worked before Esther came. But this time the decision to pull away came before the clarification. So I waited. Kept eating candy. Kept checking Facebook. Kept thinking about this blog. And kept reading the "One Thousand Gifts devotional" which I referenced last week.
Here's what I recently read:
Devotion 9-"What if instead of discounting the current moment, the uncontrollable, the simply given-what if I counted it- and on the God who controls it all? What if all our running around is only our trying to run away from God-the great I AM, present in the present moment?"
Devotion 10-"Calm. Haste makes waste. Life is not an emergency. Life is brief and it is fleeting, but it is not an emergency."
And verses like these:
Psalm 131:2-"Surely I have composed and quieted my soul; Like a weaned child against his mother, my soul is like a weaned child within me."
I Corinthians 7:29,31-"What I mean, brothers and sisters, is that the time is short…For this world in its present form is passing away."
Not to mention I've been plodding through Karen Ehman's "Let It Go: How to Stop Running the Show and Start Walking in Faith" for months now.
I'm a realist who understands there are tons of things to get done every day and tons more that get pushed on til tomorrow. I'm the one who didn't have time to fix lunch for myself today and instead ate candy after candy after candy.
But I'm equally confident that God is telling me to pull away from the unnecessary right now. (That word itself is so vague and changes from person to person. I'm sure my list would look way different than yours.)
Bottom line-I want my soul to be quiet, resting in Him during the next couple months. I want the boys to see Mom worship while working to get things packed. I want to experience Him in more intimate ways.
So I'm making lists and crossing things off. Not things I've done but things I'm just not gonna do. Things I will be brave enough to say no to when "people pleasing me" would rather say yes. And pray for wisdom to know what those things are.
Let's run hard after Him by stilling ourselves in His love. By resting in the peace the cross offers. He really will prove to be enough.
And these are some of my "NECESSARIES":
She always smiles like this after finishing her bottle.

subset: commoncrawl


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Further delays in Stephen Murney case
An extremely damp and dismal day was the setting in Newry on Wednesday [October 2] as the latest chapter in the ongoing saga in the imprisonment of éirígí member Stephen Murney took place.
Despite heavy rain showers, over forty members and supporters of the socialist republican party were joined by Stephens partner, parents and other relatives as they held an hour-long protest outside Newry court-house.
The PSNI continuously monitored and video-recorded all those taking part in the protest.
Later, as the prison van carrying Stephen from Maghaberry arrived, the PSNI quickly re-directed the van to a seldom-used side entrance to the court rather than rather have the van drive past the protest at the main entrance.
Although the prosecution service had been instructed by a court six weeks beforehand to be ready for a committal hearing on Wednesday, papers relating to the case were only served on Stephen late on the Tuesday before the case. The delay was clearly designed to leave insufficient time for Stephen and his defence team to properly examine all the documents relating to the case.
The actual court hearing was also delayed for over one and half hours due to the late arrival of the prosecutor in the case.
During the short hearing, which was adjourned until Tuesday 15th October when full legal submissions in relation to the case will be heard, defence solicitor Peter Corrigan made a formal protest to the court regarding the behaviour of the PSNI in the court-house that morning.
Mr Corrigan stated that PSNI personnel had video-recorded three elected Leinster House TDs as they spoke with members of Stephen Murneys family inside the court-house and requested that his protest be formally entered in the court record.
The three TDs Clare Daly, Maureen OSullivan and Mick Wallace had attended the court to observe proceedings in the case. One of the TDs had also directly challenged the PSNI as to the legality of recording what was essentially a confidential conversation between the three parliamentarians and Stephens partner and parents.
Later on Wednesday afternoon, on returning to Dublin, Clare Daly TD raised Stephens case during question time in Leinster House with Coalition minister Eamon Gilmore.
After the court hearing, as Stephen was led from the court-room which was packed to full capacity, he was loudly applauded by his family and supporters.
It has also since emerged that Stephen was forcibly strip-searched twice in Maghaberry prison as he was taken to court and then again on his return from prison.
From the time he was transported from prison until his return, Stephen had been hand-cuffed at all times and was guarded by several prison warders and heavily armed PSNI personnel. He remained hand-cuffed throughout the short court hearing and was continuously flanked by several prison warders. At no time was there the remotest possibility of Stephen having any contact with members of his family or the public.
Given those circumstances, there could be no justification for strip-searching him other than that of malice and vindictiveness. The continued use of strip-searching has been widely condemned by a number of international human rights organisations who have described the practice as inhuman, degrading and a violation of the individual.
Speaking after the court case, éirígís Breandán Mac Cionnaith said, Stephen Murney has now been imprisoned for ten months on the basis of extremely spurious and concocted charges. All those who have studied and examined the background to these charges have concluded that there is no case to answer.
However, the PSNI, the prosecution and the court system in the Six Counties have successfully colluded with each other to ensure that Stephen has now been imprisoned for almost a year.
Wednesdays hearing again resulted in yet more unacceptable delays with the dual purpose of prolonging Stephens imprisonment and penalising his family.
Despite all this, Stephen and his family remain in good spirits and remain confident that he will be completely vindicated of those charges laid against him.
Copyright © éirígí, All rights reserved


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The Indian car market is maturing and the thought of a Rs 12-14 lakh hatchback is now not as ludicrous as it once sounded. Hyundai, which recently launch the first proper Electric Vehicle (EV) in India might also launch the first super premium hatch in the country. Currently, the premium hatchback segment ends near the Rs 10-lakh mark, with the likes of the i20/Baleno/Polo, but Hyundai wants to take it a notch higher.
Meet the i30. This was recently spotted during testing which fuelled speculation regarding its India launch. The i30 is much bigger than the i20 (length of 4.3m) and is big on space too with as much legroom as a Creta/Elantra and certainly more than a Verna.
The interiors are also modern Hyundai with an understated look but high on quality. Soft touch materials are used and the cabin is likely to be all black, though beige can be offered. Now being an above-4m car, Hyundai is free to go to town with the engine options, since pricing is not an issue.
Thus, we think the i30 may get the 1.0 Turbo petrol from the Venue with a 7-speed DCT while a 1.4l diesel can be offered too. In terms of price, expect it to be at least Rs 3-4 lakh more than the i20 — thus expect a starting price of Rs 10-12 lakh with the top-end offered at Rs 14 lakh. What are your thoughts on the i30? Do tell us in the comments section below.


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What is palliative care?
Palliative care focuses on providing patients with relief from the symptoms, pain, and stress of a serious illness — whatever the prognosis. The goal is to improve quality of life for both the patient and the family… although it is an important part of end-of-life care, it is not limited to that stage.
Palliative care for your elderly parent
Our Nurses are familiar with the specialized needs of palliative clients and the resources that are available in the community. We'll help your parent access the resources they need.
As medical professionals, our Nurses speak the same language as, and liaise with, other healthcare professionals such as doctors, respiratory technologists, speech language pathologists, pharmacists, etc.
It is often a relief to clients and their families to learn that they are able to return home, even when they require various types of devices, therapies and medications.
Acquisition of equipment for short or long term use can be arranged. Hospital beds can be rented or purchased. Grab bars can be installed in showers etc. and a variety of other aids can be put in place to enhance mobility and safety.
It's normal to have questions when arranging care for an elderly parent who is palliative. We're here to help with answers, and solutions.


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|General Chat General chat and discussion away from the finance topics.
|Thread Tools
Tips to keep your body fit
According to me if any person follows following points , they will never face any problem. So just follow following points.
1. Regular walk for 1 hour. ( Please focus on regular )
2. Drink 20 glasses of water. In starting it is difficult but you have to increase it day by day. If your system is clean . you will never face any stomach problem.
3. Avoid junk food.
4. If possible dancing is also a good exercise. Play a song as per your liking and dance for 15 minutes.
5. Morning walk for 30 minutes
6. If possible you can plan for gym , aerobics , swimming .
7. Love your self. Always think positive thoughts.
8. Meditation
Thanks a lot


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Along with this blog I've also recently started writing for some online magazines in order to build up my portfolio. Here's a link to an article that I recently wrote for Kettle Mag on Team GB's success in Sochi. We … Continue reading
Tag Archives: British Ski & Snowboard
Introducing Team GB's Sochi athletes…
With the 22nd Winter Olympics days away from starting, Team GB have published the list of athletes who will be representing Britain in Sochi. The lucky contenders in the skiing and snowboarding stakes shapes up a little something like this… … Continue reading


text: I got mine this morning from Dimple. Reminds of Initiation, mainly because there are no tracks of just X by himself. I think there is even a song he is supposed to be on but isnt, lol.? When X does rap reminds me of his older Unforgiven style, which is great IMO, just wish I got to hear him more on the CD thats all. I also think Loki is going to have to speed the beats up a little on an X only CD because X tends to rap pretty fast. All in all Im really glad you dropped a new CD X congrats, and Im really looking forward to a CD with pretty much only you on it.


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On March 5, 2013, Wing Commander: New Horizon MUSH was shut down due to lack of activity. Thanks to the staff and players for your support. We had a good run and created some amazing memories. Keep in touch on the Facebook page for the game, which will be preserved.
The entire game's codebase and database (minus player information) has been open-sourced and released to the public, and the game itself is back up to help support the code at wcmush.com 2199!
Formed in the 2200s, NuCokaCo is the corporate conglomerate formed by two rival beverage companies during the Economic Crash of 2217, the Coca-Cola Company and Pepsi-Co.
A long-time face of Terran Megacorps, NuCokaCo has a presence on nearly every Confederation planet, colony, and station, and its contract with the Confederation means that a human being in civilised space is never far from one of their distinctive red and white vending machines.
They also possess a shareholder position in the Enigma Sector Consortium, albeit a small one compared to the Big Three.
Drinks made by NuCokaCo include:
NuCoke (Coca-Cola)
Pep (Pepsi)
The Doctor (Dr. Pepper)
MD (Mountain Dew)
Crush (Various Fruit Flavours)
SpritUp (Lemon-Lime)


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Sleep easier knowing that your mattress is protected with ultra-absorbent material at our mattress protector sale online. Whether you're updating your household Manchester or simply in need of a comfy alternative to your bedding, the Catch range of mattress protectors is the place where dreams are made! Take the Bamboo mattress covers for example, the soft fabric provides that clean and cosy feel so you can enjoy ultimate comfort. Buy mattress protectors online today from the home of screamin' good deals – Catch!
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Discussion in 'Transformers News and Rumors' started by AzT, Jun 2, 2018.
News post: Toys R Us Canada: Here To Stay! - Transformers News - TFW2005
That's some great news!
Agreed, the TRU stories have been a wild ride to witness these last few months - sad for the demise of the U.S. & U.K. operations while happy that other branches like Canada's have been able to survive.
That is awesome! I'm glad its surviving somewhere.
Yaaaay! While my local TRU could be much improved in what items it stocks, it is for the most part pretty good. Happy it will be sticking around.
I'd make a political joke about how relevant this is now... but... nevermind.
Glad about this.
(also good for our fella @Lazerwave )
Who would have thought Canada would be the one to stay.
After seeing Target come and go I was expecting a slow surrender, but guess not. I've got 5-6 within a 20 min drive of me, so more options staying open are always welcome.
Canada is lucky. They got Peter Cullen, Ryan Renyolds, William Shatner, Nathan Fillion, Bryan Adams, Jim Carrey, Tara Strong, Tom Cavanaugh and Terrance & Philip.
Anyways, congratluations to our neighbors of the north.
Great news really, not just for what TRU means but particularly for the people who are not losing their jobs.
Feeling of jealousy intensifies
For once, us Canadians won out. Long live Toys R Us and their...acceptable stock!
Today is a great day for Canada and therefore of course the world.
Whenever I was on vacation in the states, I always map out all the Toysrus in the states. But now, it's going to have to be the opposite.
Nice to see people won't be losing their jobs and to the people here that want to make this a political issue or to flame bait, well, you'll be taking out a large withdrawal from the bank of bad karma.
That's freaking awesome. Too bad the U.S. doesn't do that with like, say California?
Now all we need is a little traffic, and a lot of luck.
Ok, we get it, you're a Canadian business now.
Now we can start wondering if Canada invades the Ooh Ess Eh goes into administration Canadian TRUs will expand their franchise back down North America, should they perform strongly.
Ya know, I often hear that California is the 5th Largest Economy in the World, but as William Gibson likes to toot,
~The future is already here: it's just not very evenly distributed~
Also, if we're going to get political express a sense of civic exchangement in daily life, Canada still needs to keep those tar sands and oil shale in the ground!
That's pretty cool; congratulations guys!
Separate names with a comma.


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Celebrate the day with a refreshing Italian Cocktail— a bubbly, Campari spritz!
Here's a glass especially made to say cin-cin.
This classic spritz cocktail is a refreshing aperitif that will take you straight to an Italian piazza at dusk.
The recipe for the Spritz cocktail is the one perfected in the Veneto, made with white wine, bitters and soda water.
Of all Italian cocktails, this pretty refresher just be my very favorite.
I made this version with a splash of prosecco for an all-in-one drink that feels especially celebratory.
I became smitten with the cookbook Polpo: A Venetian Cookbook of Sorts. from the London restaurant of the same name.
It has everything I love in a book, cooking related or not, including great stories and photography, a few maps, and a stunning design.
I'm in love with the book's Japanese-style exposed binding, which looks strangely sexy to me, as if the book has stripped down to nothing but corsets and crinolines….oops, I'm getting a bit off topic.
Flipping through the book will not only make you hungry, but eager to buy a ticket straight to Venice!
Note: I also like to use Aperol in place of the usual Campari because it has a tiny bit less bitterness.
Italian Spritz Cocktail
The simple classic Italian Spritz cocktail. Sip this and imagine dusk on a beautiful piazza - the spritz cocktail is the ultimate grown-up refresher.
- Ice
- 2 slices lemon
- 3 ounces Prosecco or sparkling wine
- 2 ounces Aperol or Campari
- Fill a small rocks glass with ice. Squeeze the juice from one lemon slice. Pour in the wine, followed by the Aperol or Campari.
- Garnish with additional lemon slice and drink.
Nutrition Information:
Serving Size:1
Amount Per Serving: Calories: 454Total Fat: 0gSaturated Fat: 0gTrans Fat: 0gUnsaturated Fat: 0gCholesterol: 0mgSodium: 14mgCarbohydrates: 40gFiber: 0gSugar: 35gProtein: 0g


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Exceptional opportunity to purchase a retail building with 101 feet of Hwy 12 exposure. Located in north Avon on the corner of Hwy 12 & Weakfish Drive, this property, previously used as a cottage design center and a Nags Head Hammock store, would be ideal for a variety of businesses. High visibility location in North Avon. Priced to sell, this commercial offering is worth your careful consideration!
1-25 Spaces, Parking Lot, Paved, Off Street
The data relating to real estate for sale on this Web Site comes in part from the IDX Program of the Outer Banks Association of REALTORS® Multiple Listing Service. © Copyright 2020.
IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
The MLS IDX information on this web site is being provided to you by the Outer Banks Association of REALTORS® for general informational purposes only. Contact your real estate broker or sales person for the most up to date information regarding these listings. Real estate listings include the name of the brokerage firms and listing agents. THE OUTER BANKS ASSOCIATION OF REALTORS® AND GREAT ESCAPES REALTY DOES NOT GUARANTEE THE ACCURACY OF THIS MLS IDX INFORMATION DISPLAYED ON THESE WEBSITE PAGES. THE OUTER BANKS ASSOCIATION OF REALTORS® AND GREAT ESCAPES REALTY CAN NOT BE HELD LIABLE FOR ANY DAMAGES OF ANY KIND RESULTING FROM THE INACCURACY OF THE MLS IDX INFORMATION. All MLS IDX information is owned by the Outer Banks Association of REALTORS® and any repackaging or other use of this information is strictly prohibited. The Outer Banks Association of REALTORS® reserves the right to terminate your access to this information at any time. By submitting this search form, and or using this websites features, you agree to these terms.
Listing information last updated on September 19th, 2020 at 5:30am EDT.


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IA Times, August 2019
In June, the Irrigation Association hosted both the agriculture and landscape faculty academies. Faculty Academy is an annual event that allows irrigation educators to discover irrigation-related curriculum to inspire the next generation of irrigators.
The 17th annual landscape Faulty Academy was held at Rutgers University in New Brunswick, New Jersey, June 20-21. The event hosted 20 educators, including four high school teachers and 16 university or community college instructors. A variety of topics were covered over the two days. Visit the website to view the sessions.
The fifth annual agriculture Faculty Academy was held at Cal Poly in San Luis Obispo, California, June 27-28. This year the agriculture Faculty Academy hosted 19 attendees, including three high school teachers and 16 community college and four-year instructors. Visit the website to see the sessions offered.
When asked about his overall experience at Faculty Academy, Tom Mazzone from Clear Spring High School said, "I teach high school ag, which includes a turfgrass class. This was eye-opening to me and gave me a lot of information to take back to my students."
The academies are open to all instructors teaching at high schools and two- and four-year institutions. Grant assistance is available to aid with travel expenses on a first-come, first-served basis with preference given to those whose institutions can provide partial financial support. The Irrigation Association assisted 33 attendees with grant money to allow them to attend this year.
Thank you to our 2019 sponsors. The agriculture Faculty Academy was sponsored by Irrometer Company (Riverside, California) and Rain Bird Corporation (Tucson, Arizona). The landscape Faculty Academy was sponsored by BrightView Landscape Services (Blue Bell, Pennsylvania), Hunter Industries (San Marcos, California), Irrometer Company (Riverside, California) and Rain Bird Corporation (Tucson, Arizona).
Locations and dates for the 2020 faculty academies will be announced this fall on the Irrigation Association website under the new Workforce Development tab.


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This beautiful Beauty And The Beast Princess cake topper is a great addition to your themed celebration cakes.
The topper shows Belle in her lovely yellow gown holding a red rose, and would look lovely on top of a lemon coloured cake! Pair with our Beast topper for the ultimate Beauty and the Beast scene.
Belle measures approximately 7.5cm across the base and 10.cm tall, and weighs roughly 50g.
The topper is completely reusable, simply wash after use.


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Blackmagic H264 Pro Recorder
Item usually ships within 7-10 business days, direct from Australian distributor.
Professional Encoding
SD/HDMI Inputs Support SD/HD Formats
Maximum Flexibility
Media Express Software Included
RS-422 Deck Control
Compatible with Mac and Windows
High-quality Video Capture
Preserve Archive Footage
Real-time Scaling/Cropping
With 12v Power Supply
We understand that sometimes you may need to return a product you have purchased from Vizcom Technologies. To assist you, we have set out the Vizcom Technologies Returns Policy in more detail under our terms and conditions page.
1. Australian Consumer Law
Our Returns Policy includes, and does not seek to exclude or limit, the rights you have under the Australian Consumer Law (if you are a consumer) and other relevant laws.
If you are a consumer under the Australian Consumer Law:
- Our goods come with guarantees that cannot be excluded under the Australian Consumer Law. You are entitled to a replacement or refund for a major failure and for compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure. For more information on product warranties please refer to the individual manufacturers warranty period.
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4WDrive Magazine
Bison Offroad's official company launch is SEMA 2018, and their first products are completely new for the industry. They will debut Cam Stop Alignment Kits that prevent larger wheels and tires from being knocked out of alignment, a complete line of Level and Lift kits for all popular trucks and SUV's, and a new DRL Turn Signal for the Jeep JK series. There's also a super-adjustable line of Rock Lights for all SUV's and UTV's.
Stop Cam Alignment Kits—they're called "Stop Cam" because the eccentric is shaped like a stop sign. The flat edges cause the adjuster to lock into place against the frame and allow your alignment to hold up against larger wheels, tires and higher side loads that come from off-road driving.
The Bison Offroad Leveling and Lift kit product line is growing every day. Bison stands behind their kits with a product guarantee for the life of the vehicle, industry leading packaging, and new features not found from other companies. For example, the heavy duty cast Panhard Bracket for their F250 kits are slotted to allow for fine tuning the suspension setup. The patented forged Torsion Key Wedge is a completely new design for a suspension type that's over eighty years old. Installation time and pricing are both industry leading.
Bison Lights--how can something so strong be so flexible? Bison Rock Lights have a unique mounting system that gives the installer infinite installation options. Each Rock Light includes a sturdy waterproof aluminum case and bezel to protect the ultra bright LED lights. Waterproof connections are included in the wiring kit so they work even during the deepest river crossing.
The newest Bison products are Jeep JK DRL turn signal / driving lights. The simple plug n' play lights give you the option of daytime running lights on your Jeep JK that automatically turn off when the signal is used. All lights are DOT compliant.
One of the honours we enjoy at the SEMA Show each year is the position of a Global Media Awards Judge. I pick my top ten favourite products for Canada, and if those new products get enough votes, they get a Global Media Award (and a couple free drinks).
I usually end up with more than ten, and although I feel Canada should get more votes, no one else does. As a result, here are the products we chose and a couple who we wanted to vote for.
Connect with 4WDrive Magazine on social media: twitter; facebook; instagram. Watch, like and subscribe to our youtube channel.


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Click here to Add Free Gift to your cart.
LARGE HAWK OR LARGE FALCON SIZE, V- SHAPED SWIVEL Great new design that works very well and is just the right size for large Harris hawks, Red tail, Large falcons, Ferruginus. Made from all stainless steel and rotates very well with or without a leash extender. We feel this large swivel will work well for any of the larger hawks. 551 Large size V- shaped stainless steel swivels. $18.00Swivel size is 2 1/4 inch long by one inch wide.Swivel loop is 1/2 inch diameter.


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"I would like to recognize Sonya for the outstanding job she did working with us to find a home in Austin. We took 2 years to find it, and many times I was afraid Sonya would give up on us and quit helping us. She never did. She never exhibited impatience or discouragement for the fact that it took us so long to find what we wanted. When we finally did buy our home, it was due to Sonya's quick response. We saw the posting one Saturday morning right after the house went on the market. I called Sonya as soon as I saw it and asked her to go over and look at it for us, since we lived in Dallas at the time and we knew time was of essence in the Austin market. She went over to the house immediately, facetimed it with us and we put an offer on the house (which was accepted) that morning. We had developed such trust in Sonya's ability to judge what we would like in a house, that we trusted her judgment completely. We are thrilled with the house and our experience with Sonya. We became friends after over the two years working together."
–Tracy and Gordon Buie
"Sonya Brondel is an exceptional real estate agent. She listened to our needs and gave us sound market advise in the purchase of our new home as well as the sale of our old home. She is an agent that does everything possible to ensure her clients are taken care of. We definitely recommend Sonya for anyone seeking to purchase or sell, she pursues all avenues and gets results."
-Beau & Sheila Tidrick
"I've worked with Sonya on more than one real estate deal, and highly recommend her to everyone! She is a very detail oriented person who delivers when she says she's going to, and she proactively thinks to cover things so you don't have to worry about any of it. She's a great advocate on the negotiation side of contracts and doesn't hesitate to follow up on questions if she isn't 100% sure of the answer. I don't always like doing business with friends, because I have such high expectations of others, and she is one friend that I have no concerns about since she's proven time and time again that she holds herself equally accountable. I cannot say that about others I've worked with in realty as they often get too busy to do a thorough job."
-John & Jen Chaney
"In today's fast moving world of real estate, most agents are keen to make a hard sell, make a profit and then move on to the next client. However, that was not so with Sonya. Without hesitation, I can say it was a privilege to do business with her. Sonya, is one of those rare people who reminds you of a close sister. During all of my dealings with her, she was warm, understanding and never pushy. On the three or four days that she spent with me looking for the type of home which was appropriate to my income and circumstances, I connected with her in the most incredible way. I had recently gotten a divorce. I am sure the fact that I was purchasing a house brought on a lot of emotions as a new home can remind one of family, warm feelings and continuity. Quite frankly, I did not know if I would be able to pull off buying a house in two weeks, but Sonya listened to what I wanted and was very much at the ready to take me to homes which were best suited for my financial circumstances and specific needs. All during the time she was showing me homes, she was exceptionally warm, and compassionate when I related my divorce story. I am convinced that Sonya loves her job as much as she loves people. And the bonus is she is a great listener. Sonya is an extremely professional lady it has helped her in her business dealings with people from all walks of life. Although the time I spent with Sonya was a short time, she was very mindful of my time constraints and honed in on what I needed. It was truly amazing! At times, I forgot that my purpose was to buy a house as she made it a very pleasant and non-threatening experience. I made a commitment to myself that I would endeavor to stay in touch with her, because she made buying a house like reading the best poem. I wish Sonya and her family the very best and I know whomever comes in contact with her will experience a lady who is warm, compassionate and will make buying a house an enjoyable and perfectly positive experience."
-Jason Omar
"Sonya worked with us over a number of years in various capacities. We first worked with her as the property manager for a condo that we rented in Austin, TX in 2010-2011. Based on this experience and the relationship we developed with Sonya, we chose her to help us find our next rental property. A year later when we were ready to purchase our first home, we chose Sonya again as our agent. This was definitely the right choice for us. Sonya's knowledge of the Austin real estate market, combined with her energy, patience, accessibility, and quick responses kept us encouraged during our home search, and ultimately resulted in her finding us our dream home – before it even went on the market! We've been very happy with Sonya's professional services; we've referred multiple family and friends to her, and she will continue to be our go-to resource for real estate matters in Austin."
~Dan & Misti Buie


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Rotten Tomatoes has been the end-all for watching a film. The site was launched in 1998 and eversince its Tomatometer has been aggregating critic and audience reviews in order to come to an overall response.
Now, whether you consider the RT (Rotten Tomatoes) score as the barometer to judge a film is up to you, but there's no denying that getting a perfect score on Rotten Tomatoes is no easy feat. Only a few have managed to achieve it. Here are five films that did:
Toy Story (1995)
Now considered a modern classic, Toy Story is based on the fantasies of toys coming to life when humans are not around. With the perfect blend of nostalgia, charm and catchy tunes this one managed to get to the top of the Tomatometer.
The Terminator (1984)
This film follows a man who comes to the present (or past), to save the life of the woman who gives birth to the world's savior in the future. It is indeed the originality of the film that got it that perfect 100.
The Last Picture Show (1971)
The Last Picture Show depicts the mediocre lives of aimless people with frustrated, unhappy and shallow lives. They not only cling to the dying town, but also try to find solace and escape from boredom in drinking, sexual encounters or by moving to the big city. The magnificent use of period and setting make this a delightful watch and the Rotten Tomatoes score proves it.
Singin' in the Rain (1952)
Singin' in the Rain is a movie about making movies. It is about romance, no doubt, but it also follows the film industry in a period of transition. The film simplifies the changeover from silents to talkies. Given that it is a true masterpiece of the classic Hollywood musical, should the RT score even surprise us?
Citizen Kane (1941)
Citizen Kane is said to be the greatest film ever made. This quasi-autobiographical film not only defies all conventional cinematic techniques, but also provides examples of innovative use of music and narrative structures. This film is still loved even after so many years. The Tomatometer is proof.


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Blog Archives
Flash Movie Review: John Carter
On my quest to see all 50 states, little did I know I had been to Mars on one of my excursions. While viewing this movie I recognized the landscape in several of the scenes. Did it distract me from the story? Not at all; it was about the images and it was obvious Disney poured a lot of money into this visual extravaganza of a movie. For me, the look of it reminded me slightly of Star Wars. There were fascinating alien creatures, big battle scenes and a love story involving a princess. Lynn Collins (The Number 23, The Lake House) played the strong, intelligent princess, Dejah Thoris. As for the story, I found it weak, leaving me confused in some parts. Civil War vet John Carter, played by Taylor Kitsch (X-Men Origins: Wolverine, The Covenant), unwittingly discovered he was transported to another planet, where he now had super strength and agility. Oh and those twelve foot tall aliens were another clue he was not on earth. There were several basic plot lines: a group of mysterious beings that I did not fully understand what their ultimate purpose was in the story; an individual who was determined to take over the entire planet and a search for some mysterious thing that would tip the scale of power among opposing forces. As I said, the story was not the best; however, the movie's action was exciting and I enjoyed all the special effects. I only wish Disney would have spent just a little more money on disguising the locale they used, here on earth.
2 3/4 stars


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US President Donald Trumps Middle East envoy, Jason Greenblatt, told Al Arabiya that Kushners economic plan "will not move forward" without a political agreement, reiterating his criticism of the Palestinian Authority's unwillingness to discuss the plan.
"Jared Kushner and a very skilled team from the US government put forth this $50 billion plan to help Palestinians, Jordanians, Egyptians, and the Lebanese. But none of it will work unless theres a political plan that both sides, the Israelis and the Palestinians agree to," Greenblatt said.
The US envoy to the Middle East, Jason Greenblatt, told Al Arabiya that Kushners economic plan for the Palestinians "will not move forward" without a political agreement.https://t.co/vmiMVU7QZF pic.twitter.com/LHxVpaUtIZ
— Al Arabiya English (@AlArabiya_Eng) July 11, 2019
The US envoy also said that he thinks people are manipulating answers given by officials about the Bahrain conference. "There are spoilers out there that are saying that this is nothing other than a bribe to the Palestinians."
In the interview with Al Arabiyas Nadia Bilbassy, Greenblatt wanted to send a message to the audience: "I want to reiterate for your audience that we understand there is no economic peace alone, but we also want to drive home the point that there is no political peace without making sure the Palestinian lives are improved economically."
Speaking about the US peace plan, Greenblatt said that it is roughly 60 pages which will be handed to the Palestinians and Israelis, calling on Palestinian President Mahmoud Abbas not to make any preconditions just to come back to the discussion table.
Greenblatt was also opposed to the descRead More – Source


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India has tightened its rules governing the e-commerce sales in the country. This would mean that any e-com firms will not be allowed to sell products from enterprises where the platform is enjoying an equity stake. This could have its impact on companies like the Walmart-owned Flipkart and Amazon.com in the Indian sub-continent. The amazon marketing agency is also affected due to this. The new rule will become effective from February 1 next year.
No Exclusive Deals
The objective of the latest directive is nothing but slapping a ban on reaching any exclusive deals with sellers. Online retailers could make bulk purchases with the help of their wholesale subsidiaries or any other group enterprises, which sell the products to certain sellers only. This included affiliates or any firms where there is an agreement with e-commerce firms. As a result, the sellers are getting the advantage of offering steep discounts directly to consumers. Alternatively, such deals provide room for attractively low priced products to consumers.
In a statement, the Indian government disclosed that any enterprises having equity stake from retailers or its group subsidiaries or firms with control on its inventory would not be allowed to sell the products on the platform. This included group companies that enjoy inventory control directly or indirectly. The latest announcement could provide some kind of level playing field to others in the same space since the directive is clear that there should be a fair and non-discriminatory manner of play.
The new directive comes after complaints from traders and retailers about big e-com firms using their control on inventory through exclusive deals with the help of their affiliates. As a result, this has created an unfair marketplace enabling them an upper hand to offer products at low prices. In October, the All India Online Vendors Association (AIOVA) petitioned Competition Commission of India, which is an anti-trust body. The organization charged Amazon of favoring merchants where it holds a stake. This included Appario and Cloudtail.
Before this petition, the same group has filed a petition in May against Flipkart charging them of violating competition rules with preferred treatment for certain select sellers. The new rules are meant to calm down the fears of small farmers and traders as they fear that multinational firms from the United States are entering the country through the back door. They believe that such an atmosphere could only hurt the small businesses, which are the dominant force currently.


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Sales Enquiries
+44 (0)20 7620 1500
Guide type: Buy-to-Let
15th December 2016
Photo Credit: www.paydaybunny.co.uk
It can be a challenge trying to get your head around investment jargon but once you become familiar with a few of the most commonly used terms, you will be well on your way to becoming a Buy-to-Let expert. So, whether you are venturing into your first Buy-to-Let investment, or just want to brush up on your vocabulary, then this guide should help you out.
This abbreviation represents 'Annual Percentage Rate' and is usually used to weigh up the differences between the rate of borrowing finances from various lenders.
A loan you take out for refinancing or buying a property that you intend to rent out to tenants.
An amount of money that you pay upfront as a percentage towards the price of the property, or as a safeguard sum towards renting a property.
A rental contract with a fixed start and end date.
A value stated by calculating the percentage between yearly rental revenue and the price of the property.
The person responsible for helping landlords and their tenants. Duties of a letting agent include managing rental properties, finding tenants and making sure rent is paid.
When a landlord has a number of property's under his/her belt, it is referred to as their 'portfolio'.
This refers to when various checks are carried out on a tenant, such as credit checks, residence and employment checks.
A fee funded to the Government by the purchaser of a property upon the date of completion.
This term is used to specify that a contract is not yet lawfully binding.
An interest payment that changes depending on market interest rates.


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This section provides you with information that you need in order to familiarize yourself with all our students as to how they improved their skills. Materials are recommended for the study; as they will help you better understand how to work with patients, what methods to use, what practices, herbs can be combined with energetic therapy. There will always be a lot of new information always on the pulse of events; so you must continually learn something new. You must not wander for hours on the internet searching for the right information, here you will find tips that you need, or ask a question that you will get the answer to.
The Minimum Number of Sessions
Psychological Diseases of the Body
Helping Students to work with Patients
Classification of Diseases and Working with Them
Excretion of Toxins - The Proper Path to Health (Book)
From March 1 to April 15, 2020 Discounts for Distance Learning
19.03-15.04.2019 Exit work Cosmos School of Knowledge - Russia: Moscow, Rostov on Don
1.10.2018 Recruitment of a group to the study of energy healing techniques begins.
From 23.03-28.03.2018. The C.K. School conducts field work in Germany, Düsseldorf 24.03.18 and 25.03.18. Two seminars on different subjects will be held.
From 12-25/09/ 2017. The School of Cosmo Knowledge is conducting work in Russia in Rostov on Don.
ATHENS, GREECE Field work on 13th – 14th of January 2017.
From the 1st to the 30th of December 2017, you can receive Christmas discounts for attunements and all types of training in the School of C.K.
7th to the 14th of November the School of C.K. will be taking a trip to Athens, Greece.
07/23/2017 Ireland, Seminar: "Solving Human Problems with the Influence of the Subconscious".
20-25.07.2017 Fieldwork with the School of CK in Ireland
By passing distance learning you can acquire your own issue of certificates.Learn more.


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iPad 2 Said to Ship In February
Several media outlets reported this month that Apple's next generation iPad will ship by the end of February 2011.
According to a Dec. 7 report in DigiTimes, manufacturer Foxconn Electronics in southern China is gearing up to ship 400,000-600,000 iPads in the next 100 days. The device's firmware is currently in testing, the report says, which pushed back by a few weeks a planned initial production start up in January.
All Things Digital reported Dec. 8 that this indicates a spring launch for the iPad 2, probably in April 2011. The next generation iPad is expected to be thinner, with a front-facing camera and Facetime chat support.
Apple announced it sold 4.19 million iPads in its fiscal 2010 fourth quarter, bringing its total 2010 sales of the device to 7.5 million units. The company also reported sales of 14.1 million iPhones in the fourth quarter, representing a 91 percent unit growth increase over the same period last year, in what it said was a record-breaking quarter for revenue and earnings.


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A three-year-old child was injured when a crude bomb exploded inside a sewerage pipe kept beside a road in Tala Park area of the city this morning.
"A toddler sustained injury in the explosion and has been taken to state-run R G Kar Medical College and Hospital.
Doctors are treating him," a senior police officer said.
Crude bomb explosion in Tala Tank area of Kolkata(WB), another crude bomb recovered (Spot visuals) pic.twitter.com/RoZRSJmZRR
— ANI (@ANI_news) August 3, 2015
The incident happened at around 9.25 AM when the crude bomb exploded inside a pipe kept by the side of the road at the crossing of Tarashankar Sarani and Khelat Babu Lane in Tala Police Station area.
A probe has been initiated, the police officer said.
Contact HuffPost India


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Our facility (Existing Hospital) was sited on our last Annual Inspection by the State Fire Inspector. We have asked the State Bureau of Fire Services, but they have not yet provided any clarification. Specifically, the citation said, "there were no records available to indicate that the 'Operating Room 4-hour power outage' test had been performed in the last 36 months. I've looked up Testing for a Type 1 EES (NFPA 99 (2012), 6.4.4; Operational Inspection and Testing for a Level 1 EPSS (NFPA 110 (2010); 8.4.9, Table 4.1(a) - Classification of EPSSs as well as the appendix A.8.4.9. The best thing I can find is that the Suggested Maintenance Schedule for Emergency Power Supply (Figure A.8.3.1(a)) in NFPA110 (2010) has a footnote for "EPS at minimum of 30% nameplate rating" is to be "Every 3 years for 4 hours". However, nothing that I could find in code specifically calls out Operating Room 4-hour Power Outage Test.
The Joint Commission (JC) has an Environment of Care Standard EC .02.05.07 EPs 9 & 10 for a 36-month test of 30% load for 4-hours, however, the inspector was conducting the annual safe safety inspection for the state, not a JC survey. But even the EC standard doesn't call out Operating Room testing.
Just want to know if anyone else has been called out for this documentation.


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Sources: TE Watson considering 16th season
Veteran tight end Benjamin Watson, who intended to retire after last season, is now considering a return to the NFL for a 16th season, league sources told ESPN's Adam Schefter on Saturday.
Watson, whose wife is due to give birth to twins next week, might be open to returning to the NFL under the right situation, the sources said.
The 38-year-old Watson, whose contract with the New Orleans Saints expired after the 2018 season, ranks 14th among tight ends in NFL history with 530 career receptions. Watson has amassed 5,885 yards and 44 touchdown catches.
He previously said that 2018 would be his final season in the NFL. A first-round pick of New England in 2004, the two-time finalist for the league's Walter Payton Man of the Year award has also played for the Browns and Ravens.
"I knew coming into this year that it probably would be the last year," Watson said at the end of last season. "And I think our approach was as a family that we were fortunate to come and play for another year, but you kind of know. It's been great to be a part of this team and have this sort of winning at this point of my career. But the injuries add up, the body struggles more and more. And it becomes evident that it's time."
Watson played in every game for the Saints last season, catching 35 passes for 400 yards and two touchdowns. It was his second stint with the Saints.


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Tips To Help You When Empowering Girls
When a child is born, one of the things that parents want is that the child will grow to be a responsible human being. This is for both genders. For long time, young boys have been taught what is their role in the society and this has made them to be dominant most of the spheres of life. This led to the girls being deemed to be inferior and therefore a lot of things are not working. However, there have been emergence of several programs in the past few years to help in the empowerment of girls so that they can grow knowing what they want their lives and so that they can come strong. It is important to consider temporary because it brings a lot of benefits to the society as they well know what their role is given as they undertake their duties. This makes them to leave the dream of their parents they are able to lead a valuable life. This page is going to outline the tips to help you when empowering girls.
One of the tips to help you when empowering girls is making regular time to listen to your girl. Every child need to be listened to so that they are able to cruise through what is happening in their lives that they are able to know what to do in different situations. It is therefore important to create predictable time tables where the girls will be able to have time to speak to you without the fear of being judged. This gives them an opportunity to freely air out what they are experiencing because they know that you are receptive and ready to listen. The girl is therefore able to learn how best to deal with the occurrence of certain situations in their lives.
Another tip to help you when empowering girls is encouraging her to pursue her passion. When girls grow, they grow having various desires which they enjoy doing. It is therefore important that you are able to help the child identify what she likes. This enables you to give them an opportunity to be able to be fully involved in whatever they are doing so that they can be able to master the challenges that they may get in future. This helps them to be able to grow in their self-esteem and to become resilient even as they pursue what the desire to achieve.
Another tip to help you when empowering girls is let the girl know that you love her because of who she is. Each and every person is unique and this means that even the girls you empower may be quite different from you. It therefore gives you an opportunity to be able to express yourself by allowing because of who she is because it enables her to be able to appreciate her uniqueness which gives you a chance to complement her so that she can develop to be a good young woman. It enables her to be able to develop into the person that she wants to be.


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Google Reviews
Hoo LeeSeptember 22, 2019
First of all, Anthony is really hard working guy, very skillful and honest to his customers. Before I go there, I made couples phone calls with him. It would be at least 3~4 hours on the phone. He answered all things which could possibly make disadvantages for the Sale between customer and him, even though he is busy in time. It seems he really cooperate to his customer in his best. It was yesterday, I finally went to Ana auto to see the car that I saw on Cargurus. I was there for just one car, but I asked some optional cars. Then I really saw optional 8-9 cars which is affordable for me. It took at least 6 hours so that I could make my best choice. He never bother you and give you enough time with the keys to go around and see it. That was the best part. Many dealers seem to be in hurry while they are pretending they are 'OK'. But he is really a nice guy, I could see and feel it. This would be the best Car purchasing in my life for sure. I highly recommend you guys to come here to see Anthony and the cars which is really working well in reasonable price. After purchasing, I still feel his guarantee that he would help about the car in any situation and that is what he told me. And now we made good relation having phone calls after purchasing too. Anthony, you the best and keep working on this for the people. Thank you so much. ^^
Yong LeeJuly 25, 2019
Bought great car in good price. Thank you !!!!
Chris Kwangsup KimJuly 13, 2019
We loved the experience here. Anthony was very polite and easy to work with. We loved the car we purchased. I highly recommend this dealer.
Christiney WilliamsDecember 29, 2019
I was looking for a car for a month. Anthony was polite and professional. The cars were all great prices that I was shown. Ultimately I purchased a reliable and safe car from Ana Auto. Hopefully the car will treat me well but I feel like I trusted the right person.
???December 03, 2019
I got a good car with fair price. First of all, i was ignorant of car but Anthony answered all thing kindly what i ask. He is very nice guy and i like his service! I recommend you guys to come here to Anthony whoever need a help of buying used car?
???October 11, 2019
Very kind and good deal! Thank u.
MaggieNovember 09, 2019
So far so good! Found a few cars we liked at reasonable prices and Anthony was very friendly and helpful. We ended up buying.
S?n ??November 16, 2019
Emma shinDecember 03, 2019
Such a pleasure I found this place to get my car! I bought two used cars with good price from Anthony. He is an expert and works real hard for customer's satisfaction. Thank you for your great after purchase service. ????????
Amy ChoSeptember 06, 2019
I got a car from here. They have good cars with fair price. The owner's very nice and kind :) His office has bunch of cute toys and miniature cars. Really liked the service and experience there.
Daniel FisherSeptember 24, 2019
Excellent car buying experience. I'd recommend this place to anyone. Anthony took care of absolutely everything for me and was super responsive every step of the way. He's a great guy and is wonderful to do business with!! 12/10
Seon David KimJuly 19, 2019
I was on the lookout for an Infiniti G35 and looked all around and found a car at ANA auto that was in great shape and I was lucky enough that I got to work with Anthony. He bent over backwards answering all my questions and getting everything squared away while I traveled from north mckinney! Anthony(the owner), is funny, charismatic, polite and extremely professional. He made this process extremely seamless for me and on top of that he cut no coers and was 100% honest. He literally made me feel like the most important person during the process. If you're looking for an OUTSTANDING dealer please go see Anthony at ANA! Great experience and I love my new car! Thanks again to Anthony!
abulkasim osmanNovember 06, 2019
Chaerin LimAugust 17, 2019
Anthony was so awesome from beginning to the end. He helped me a lot to find a good car. I will definitely be back and recommend this place! Thank you so much for everything:)
Harry ParkJuly 26, 2019
This is the place if you are looking for an affordable used car with great value! I just came to TX for job-relocation and researched tons of big/small dealers. I chose this since Anthony was known for his trust and honesty AND l would never regret. After I met him in person and saw what he did for me, I decided to trust him. He just loves the car and likes to research the car which customers want. I bought Honda Accord 2014, and I believe it's the best price I could get(maybe I couldn't if it wasn't him.) I am sure that you will be satisfied with the service.
Valerie VickNovember 20, 2019
We were treated with respect and they were very honest and friendly.
Jusong ChoiAugust 15, 2019
Outstanding cars with reasonable price. Anthony definitely helped me out to find the right car. I will recommend him to my closest friends when they need car to buy.
Rene GillNovember 21, 2019
Wonderful experience!! Knowledgable and friendly. Cars selection and care of all his cars is better than anyone !!! Stayed late and finished up paperwork!!! Even gave my son directions when he got lost !!! Highly recommend!
Joe AnthonyJuly 20, 2019
Very welcoming and honesty, car I got was amazing thank you Ana auto!
Cool DudeSeptember 08, 2019
My kind of guy
Jieun LeeSeptember 22, 2019
Best dealership ever! "FAIR PRICE&CONSIDERATE OWNER" I came to US to stay only for one year so it was not easy to find a used car that was suitable for me. Since I was ignorant of the car, I was looking for a dealer who can offer me a detailed description and reasonable price for used cars. Whoever need help for buying used car, Please come here to see Anthony! You'll never regret and you can make a reliable friend and helper after you visit here. ???? ?? ???? ??? ??, ?????? Ana Auto? ?????????!!!
???September 13, 2019
Outstanding cars with good price. I will recommend him to my family when they need car to buy.
gladis loyaNovember 16, 2019
Thank you for the good deal that you gave to us! Great service, great price! Muchas gracias, por todo, estoy felíz con el nuevo carro.
Shawn Hyeong KimOctober 02, 2019
Anthony hooked it up with a great deal... I told him a few models I wanted and he found me an Altima with a price better than private party kbb value. Would recommend to friends/family.
Benjamin Franklin AllenSeptember 26, 2019
Great service, great people, couldn't ask for more :)
Esaul GalvanAugust 16, 2019
SukhuSeptember 17, 2019
Ask for anthony! Great experience! The car I bought is amazing and Anthony made it fast easy and made me a happy customer!
jermaine james EMPOWERNovember 22, 2019
Anthony took care of me... I finished late after work... He stayed and waited for me, and we made the deal that night... Stand up guy in my book 100%


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Sold Out
Not All Those Who Wander Are Lost Cuff
Hand stamped onto a 6" long by 1/4" wide aluminum cuff bracelet. This comes in a smooth finish. This cuff is made out of food safe aluminum. Very lightweight. Aluminum will not tarnish, to ensure the longevity of your piece, avoid contact with water.


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MBrace Clear Aligners– While metal braces are the standard for orthodontic correction, very few adults would want to wear a mouth full of metal for a year or more especially when they have to meet clients in their line of work, or even in social settings.
This is where invisible braces or clear aligners can be the solution. It allows you to align your teeth by offering a discreet alternative to metal braces. Using MBrace, there are no brackets and wires. Instead you will be given a set of customised series of clear aligners that you will wear for at least 22 hours a day.
The aligners will straighten the teeth little by little over the course of several months or up to 2 years until you achieve your cosmetic goals. The aligners are so clear and nearly invisible that they have no effect on your day to day interactions. You just have to remove the aligners when you are eating and drinking.
Check out our FAQ for more info on MBrace.


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|Photo: Aerospace Safety Magazine
An IAF Mirage 2000TH trainer crashed about 60-km South-East of Jaipur in Western India today. This is the second Mirage to go down since another Mirage 2000TH crashed in Bhind, MP on Feb 24. The pilots in today's crash — Squadron Leader Raj and Flight Lieutenant Kanav ejected safely. The IAF Mirage fleet won't fly for the next few days as routine procedures are conducted to check them out.


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The Club employ a number of management, administrative and bar staff.
Club Manager: Mark Hutcheon
To learn a little more about Mark click on his photo!
Chief Bar Steward: Paul Buss
Office: Laura Nicoll
Office: Jemma Henderson
Chief Green Steward: Jim Hawkes
Angel Bowls Club welcomes everyone with an interest in this fascinating sport and opens its doors to prospective members of all ages, abilities and agilities - from juniors to great-grandparents, from absolute beginners to national level players.
This site uses cookies to store information on your computer. Read more


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3/5 - Fitness on the Beach at Delray Beach at Lifeguard stand North I across from the Marriott, 10 N Ocean Blvd. Bring a towel, plenty of water, a can-do attitude. Age 18+. M/W/F 7:30-8:30 am. $10/class. 502-523-0284; mydelraybeach.com
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Art and Design: Interior Design NQ
(SCQF level 6)
, Creative Industries
Mode of Study
Start Date
31st Aug 2020, 1 year
City Campus
Applications from International Students Welcome
This course offers you an ideal first step into the Interior Design Industry, providing you with the theoretical and practical knowledge and skills required to begin your career journey.
You'll learn the knowledge and skills necessary to work on projects - from initial conceptual ideas to a fully functional interior design scheme you could present to a commercial client (please see further information in the 'what you study' section below).
Your programme will be delivered by our highly professional teaching staff with significant Interior Design experience and a proven track record of bringing out the best in their students.
This course is placed on the Scottish Credit Qualifications Framework at Level 6. For more information on the framework visit: www.scqf.org.uk/the-framework/.
Entry requirements
Minimum entry requirements
- National 5 Art and Design and National 5 English at Grade C or above; OR
- Other equivalent qualifications or experience.
Additional selection requirements
- You'll be invited for a group and/or individual interview, where you'll get the opportunity to find out more about the course and tell us why you're interested in this subject area.
- You'll be asked to provide examples of your art and design work. In light of the current situation it is important you upload a digital portfolio as well as your SQA certificates.
ESOL entry requirementsApplicants whose first language is not English should have minimum ESOL Intermediate level 2 or equivalent for NC/NQ courses and ESOL Higher for HNC/D courses.
What you study
You'll study:
- Freehand Sketching and Rendering in a Variety of Media.
- Production of Technical Drawings using both Traditional Ink Drawings.
- The Latest Industry Standard AutoCAD Software.
- Production of Fully Rendered, Perspective Visuals.
- Production of Sketch and Finished Scale 3D Models.
- Presentation techniques to sell your designs to clients.
- The foundation of professional practices, including time management, organisational skills and problem-solving.
After the course
You can apply to progress to an HNC 3D Design: Interior Design offered by the college.
Mode of Study:
Start Date:
31st Aug 2020, 1 year
City Campus
Applications from International Students Welcome


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Personal Trainer Woodinville
Are you looking for the motivation to begin your fitness journey? Reach out to us at Diesel Performance Coaching if you need the assistance of a professional personal trainer Woodinville.
We are rated one of the best personal trainer Woodinville that you can find in the region. Our programs are even available for athletes of all ages and executives!
We have been assisting people with their fitness requirements since 2005. This has given us a positive reputation as a skilled and experienced personal trainer Woodinville. We truly help our clients find a love for fitness with out personal trainer Woodinville.
Hire us if you need a personal trainer Woodinville who can offer services like these:
- Affordable personal trainer Woodinville
- At home training services
- Physique and body training
- Strength and weight programs
- Professional and motivated trainers
Call Diesel Performance Coaching for a personal trainer Woodinville!
(425) 588-0579
Personal Trainers Woodinville
Whether you are from a sports background or simply want to achieve your fitness goals, you can reach out to our personal trainers Woodinville at any time. The personal training program designed for you will be custom, based on your individual needs and goals.
If there are special conditioning aspects that you need help with, you can get in touch with our Woodinville personal trainers. Our experts know how to tailor a routine that will be safe and accommodating.
To learn more about our services we suggest you consult our personal trainers Woodinville today. Our personal trainers Woodinville can help people of all backgrounds.
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Heather was Principal Investigator on 'Islands of Integrity', funded by the British Academy/Global Challenges Research Fund's Sustainable Development Programme. Dr Caryn Peiffer (University of Bristol) was Co-Investigator, and the research team included Dr Rosita Armytage (Research Fellow, University of Durham), Professor Trevor Budhram (Research co-ordinator & collaborator, University of South Africa) and Mr Pius Gumisiriza (Research co-ordinator & assistant, Ugandan Management Institute). The project ran from December 2016-May 2018, though dissemination is ongoing.
Corruption researchers tend to focus a lot of attention on why systemically corrupt countries fail to improve and why anticorruption efforts often fall flat. As such, the field has had a difficult time identifying and explaining how positive change happens in order to inspire new and more effective anticorruption interventions. Our research focuses on the opposite: potential success stories in anticorruption. Using a novel three-step methodology developed to identify previously hidden 'positive outliers', we look at sectors within a country that have successfully reduced bribery against the odds in otherwise systemically corrupt countries.
Having identified up to 18 potential cases, we drilled down in two 'positive outlier' cases—Uganda's health sector and South Africa's police—to uncover the political processes and policies that have been responsible for bribery reduction in each case. In doing so, we draw out lessons about how positive changes happened and what can be learned for more successful anti-corruption interventions. However, our success cases also highlight some important tensions that raise red flags for future interventions, collective action-based or otherwise, and we look at important lessons from these as well.
Project Papers
'"Islands of integrity?" Reductions in bribery in Uganda and South Africa and lessons for anti-corruption policy and practice', DLP Research Paper 58, October 2018 (Heather Marquette & Caryn Peiffer)
'The Surprising Case of Police Bribery Reduction in South Africa', DLP Research Paper 57, May 2018 (Caryn Peiffer, Heather Marquette, Rosita Armytage & Trevor Budhram)
'Uganda's Health Sector as a "Hidden" Positive Outlier in Bribery Reduction', DLP Research Paper 56, May 2018 (Caryn Peiffer, Rosita Armytage & Heather Marquette)
'Searching for Success: A Mixed Methods Approach to Identifying and Examining Positive Outliers in Development Outcomes', DLP Research Paper 52, April 2018 (Caryn Peiffer & Rosita Armytage)
Briefs & Other Media
'Bribery in health down 50%', Independent (Uganda), 18 March 2019 (Heather Marquette, Caryn Peiffer & Rosita Armytage, with Pius Gumisiriza)
'What we found out about bribery patterns in Uganda's health care system', Conversation Africa, 28 February 2019 (Heather Marquette, Caryn Peiffer & Rosita Armytage, with Pius Gumisiriza).
'Uganda's health sector as a 'hidden' positive outlier in bribery reduction', University of Birmingham Policy Brief, January 2019.
'What "hidden" success stories tell us about anti-corruption policy and practice', Public Administration Review blog, 22 October 2018 (Heather Marquette & Caryn Peiffer)
'How to find surprising development successes', DLP Opinions blog, 16 April 2018 (Caryn Peiffer & Rosita Armytage)
'Corruption research: Hunting for glimmers of light in the gloom', DLP Opinions blog, 25 July 2017 (Caryn Peiffer & Rosita Armytage)
Conference on 'Collective Action – Evolution to Revolution', International Centre on Collective Action, Basel Institute on Governance, Basel, 14-15 November. Panel on 'From Island of Integrity to Integrity Pacts – and back again?' (Moderator: Claudia Baez, Head of Governance Research, Basel Institute)
- Robert Klitgaard, Professor, Claremont Graduate University, USA
- Heather Marquette, Professor, Birmingham University, UK
- Daniel Bühr, Partner, LALIVE
- Esteban Arribas Reyes, Senior Researcher, TI Spain
- Claire Martin, Project Leader- Public Accountability, Transparency International
'Islands of integrity: Anti-corruption research to guide the way', Global Integrity, Washington DC, 22 June 2018
Panel on 'Anti-corruption and development assistance at a crossroads', Australasian Aid Conference, Canberra, 12-14 February 2018. Video and podcast available.


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It could have been possible for any reform initiative, including the Greater Middle East Initiative proposed by the US, to succeed had it not been proposed in the present climate.
The Middle Eastern climate is volatile both politically and militarily from Palestine to Iraq, and even to the countries surrounding it – Afghanistan, Pakistan and Kashmir. The responsibility of such a climate is ironically, both directly and indirectly, that of the current US administration led by President George Bush – the same administration that proposed the initiative.
Therefore, not surprisingly, the American initiative comes saturated with the political hallmarks of that administration, which is perhaps best described as completely self-centred with no regard for Arab and/or Muslim societies led on by promises of reform while at the same time being existentially threatened.
Here the contradiction within the initiative becomes apparent: How can the people of the Middle East trust the American administration to be loyal in its initiative when they have been subjected to threats as a result of that administration's strategies?
Reform initiatives – economic, social or administrative – proposed for any country or region have always gone hand in hand with political agendas. However, what is striking about the much needed and awaited current US initiative is that first and foremost it is based on political goals. This must be taken into account before it is accepted or refused.
And if I personally favour the rejection of the initiative, then it is because it is obvious that the hidden goal is to further weaken and intimidate Arab and/or Muslim societies – a kick them when they are down approach and make sure they stay down.
What is striking about the US initiative is that first and foremost it is based on political goals
If not, then why is it that such an initiative was not proposed at a time when its acceptance was much more likely, ie in the many years leading to the present explosive climate as opposed to during such a climate?
Therefore, the present American intention does not aim at reforming the situations of these Arab and/or Muslim societies but rather to achieve that double intimidation that I referred to, and which is two-fold.
Strategic intimidation
The aim of such strategic intimidation is to eliminate any form of Arab or Muslim unity considered as a threat to the US strategy, and that of its strategic ally, Israel. For that reason, the administration tried drowning any Arab or Muslim unity into the proposed US initiative, the Greater Middle East Initiative.
The US term for the success of such reform is that Arabs and Muslims were to forget what they have in common, moreover, also to forget Islam and its revered values.
The US initiative is to convince Arabs and Muslims that what they have in common is geographical not historical.
In addition, the US wanted, through its initiative, to include the Arab countries with the Muslim ones such as Iran, Turkey, Pakistan and Afghanistan and to unite them in a secure frame, the frame of the North Atlantic coalition, therefore having total domination and control over its security, similar to what it did with emerging eastern European countries after the collapse of the Soviet Union.
No nation excluded
The second aim of the American initiative is intimidation inside each country.
The American reform means to disturb the position of each Arab and Muslim country through forced development without considering its humanitarian, structural or social identity and culture, such as the woman's situation in these culture or attitude towards mixing between the two sexes.
This is similar to what the Shah's regime tried in Iran when it launched the White Revolution, applying the western way of life to Iranian society. The majority of Iranians refused such oppressive change and stayed faithful to the Islamic rules and way of life.
Is the West's political model
The same happened in Malaysia and other countries, where a natural social development occurred instead of a categorical change suggested by the American initiative.
One disturbing feature of the initiative is the concept of "no boundaries" between societies, therefore disregarding any human or social structure of such societies.
Such a concept is very dangerous. The level of freedom and rights varies from one Arab and/or Muslim country to another depending on the relationship and amount of communication between it and western culture.
In addition, political circumstances could hinder any prominent political openness: Syria, for example, is under pressure with the Israeli occupation of its Golan Heights.
The continuing war on Iraq and its negative consequences deny its neighbouring countries political openness. The war with Israel and the situation in Iraq both cause huge financial drains to the countries concerned, forcing them to put security and military needs before development projects.
This is the dangerous side of the American project. As for equality, pluralism, job opportunities, liberty for all citizens and women's rights in Arab and Muslim societies, they are the daily call in the writing of every Arab and Muslim writer.
The first step in any reform is to separate government resources from the personal benefits of leaders
The problem is not in depicting these problems, but in implementing them. A successful way of applying them is through a precise understanding of these societies that seem to be struggling under familial, tribal and sectarian groupings.
These characteristics obstruct democracy in some Arab states and have turned others into countries ruled by families and sects.
Therefore, the first step in any reform is to separate government resources from the personal benefits of leaders and reduce the authority of families and sects on it, making it a regime for all citizens.
Rule of law
The government should not be controlled by people getting their power from their sectarian background, but must be ruled by law and regulations.
And this requires time and money to be accomplished, to reach a state that will offer national health systems, pensions, maternity benefits, etc – like in Europe and the United States – to each and every citizen, irrespective of his/her sectarian identity.
If the intellectual Arab elites as well as the politicians reject this US project, it is because they clearly understand it. All members of the societies reject this project, since they perceive that its aim is to change their social habits. These habits need time to transform, unlike any political or economical issues that can be changed based on short-term plans.
Social change takes longer than
Arab and Muslim societies have witnessed many political changes in the past 25 years, but social status has stayed more or less the same.
Any political situation can be easily changed through elections, and this can be done in less than a year. However, changing the social, cultural and behavioural structure of societies takes longer and cannot be done in the same way.
For instance, 50 years ago Turkey changed its political structure from an Islamic system to a European secular one, and still not much has changed in its social behaviour, evident by its having an Islamic party governing once again.
The hijab remains a dominant feature in Turkish society with the secular government unable to remove it, since secularism could not affect social composition at all its levels, leaving it with many of its old Islamic habits and behaviour.
Many Arabic and Muslim countries are similar to Turkey in preserving their Islamic identity.
Although it is highly recommended that we develop our societies and encourage change, this must be initiated from inside and not imposed from outside.
It is evident that the US project is rejected, since it does not recognise the true structure of the Muslim social order nor its identity. As a result, I think that the common people in the Middle East refuse this project more than the political elite.
Dr Sami Zebian is the author of many books and editor-in-chief of Al-Hawadeth Weekly magazine.


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Leading insurance and commercial risk law firm, BLM has now published its 2018 Gender Pay Gap overview. Click here to download the report, which reflects the required reporting details, including statistics for the firm's pay and bonus gap, proportionality of male and female employees, as well as an overview of the approach we take to the wellbeing of all our employees.
BLM senior partner, Matthew Harrington, said: "We recognise that some of the differences in our gender pay gap may be the result of legacy and choices around working style and we are taking steps to reduce any discrepancy, working with our colleagues to eliminate these over the longer term. Our aim is to rebalance the gender gap across the board, with a focus on the lower quartile where women are paid 7.4% more than men, and the upper quartile where men are paid 10.9% more than women.
"To narrow any gender pay gap we will continue to encourage both agile and flexible working opportunities, and promote our family-friendly policies which support our employees nationally to create a good work-life balance, as well as help to shape an open culture across BLM.
"Collectively, our Executive Board, Operations Board and Partnership Board are made up 40% women. We consider it important to review diversity and equality affecting colleagues at all levels, including equity partners. Succession planning is a major consideration for BLM and we genuinely believe it is important to promote women into leadership positions. Our message to those at all levels in the business is that there are no glass ceilings to career development, irrespective of gender."
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