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Donna's Review: A Warriner to Seduce Her by Virginia Heath
Read for Review (Netgalley)
Overall Rating: 5.00
The last of the four Warriner brothers finally gets his HEA! Jake is the youngest of the brothers and as a child he hated his parents' arguments. His mother was unstable and often threatens to kill herself. When she was drowning, Jake was there trying to help her, but the river was flowing to fast. He blames himself for her death.


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As in other periods in our history, ours is a battleground between two basic views of statecraft: 1) the liberal view of social change for the good of the people and 2) the conservative belief that any "social engineering" is doomed to failure at best and is tyrannical at worst.
Our present-day heated, even venomous arguments, are nothing new. Abraham Lincoln, not a rabid Socialist, had to contend with the reactionary Democratic Party of his time that was true to its name—the "know nothing" party. Teddy Roosevelt (TR) fought the big money interests of his time and planted the seeds of the progressive movement. His fifth cousin Franklin Delano (FDR) gave us the "New Deal", a social experiment of profound dimensions. And Lyndon Johnson completed the work of Lincoln, TR, and FDR with his much underappreciated "War on Poverty".
This seemingly inexorable process of progressivism was punctuated with conservative backlash, the most profound initiated by Ronald Reagan whose worldview could be summed up by his own pithy phrase:
"Government is the problem, not the solution."
This conservative trend continued during George Bush's two terms and is assuming its most extreme form in the Libertarian ideology of Ron Paul. So, who is right?
The surprising new science of psychological change
An important book by Timothy Wilson, Redirect: The Surprising New Science of Psychological Change, reviews the track record of "social change through policy". Although written in 2011, it is still quite relevant today and is an eye opener. Equally important to read is a review of Wilson's book in Science Magazine that was written by Geoffrey L. Cohen of Stanford University's Departments of Education and Psychology that appeared shortly after the book was published. Wilson is a social psychologist at the University of Virginia who has made groundbreaking discoveries in the study of intuition and introspection. Who better to judge whether intuition and ideology are sufficient?
Here is what he said,
"When the father of the field, German refugee Kurt Lewin, conducted his seminal studies, the problems of World War II preoccupied him: the power of leaders to shape citizens' behavior for good and ill, intergroup conflict and aggression, minority groups' belongingness and adjustment, de-Nazification and cultural transformation ("nation building" in today's parlance), and so on. At the heart of Lewin's approach rested a novel idea: social problems are amenable to experimentation. 'The best way to understand something is to try to change it,' he was fond of saying. Beyond descriptive and correlational studies, Lewin championed experimental manipulation: Introduce an exogenous shock to the system and see how it responds."
Cohen goes on to say,
"Lewin also advocated a diagnosis stage in what he dubbed 'action research'. First, assess the relationships among variables in a system. In doing so, one could identify the pressure points where a small nudge might have large consequences. For example, to encourage families to eat cheap-cut meats like sweetbreads during the war (because the finer cuts had limited supply), Lewin showed the importance of the gatekeeper, the person who controls the behavioral channel—in this case, the housewife. He also demonstrated the impotence of persuasion and the power of the small group. Bring housewives together into a new group supportive of change, freeing them from the grip of their old familial norms, and they would try the novel foods far more frequently than if they were lectured to. Time and again, Lewin showed that what often seem problems of bad attitudes, lack of information, or economic incentives were instead problems of group influence, identity, and social perception. But most revolutionary was Lewin's method. There was a combination of optimism and folly in the idea that researchers could, through the experimental method, change reality and improve social conditions for the better."
Policies based on ideology and intuition are almost always doomed to failure
In Redirect: The Surprising New Science of Psychological Change, Timothy Wilson reviews much of this history and revisits the field of social psychology 70 years after Lewin's pioneering work. To summarize his findings from this extensive review, it becomes clear that policies based on ideology and intuition are almost always doomed to failure. On the other hand, policies based on controlled studies—employing the best techniques science provides—have an infinitely better chance to succeed.
Such studies start with a limited population sample, and once proven effective, scale up to larger and larger populations. Fortunately, our thousands of municipalities, tens of thousands of school districts, and 50 culturally-diverse states offer an enormous laboratory for such social experiments. Interventions that defuse blacks' and whites' fear of interracial rejection increase their likelihood of becoming friends. And reminiscent of Lewin, there are studies that cleverly manipulate social norms to reduce teen alcohol use and encourage energy conservation.
Now let's consider the "ideologically-based" policies, such as, for instance, the "ownership society" of George Bush. The idea was basically quintessential conservative: Give people property and they'll become conservative because they'd have something to lose, and hopefully, they'd vote Republican—a not-so-fringe benefit of the policy's advocates. The catastrophic failure of this policy is still reverberating through our economy today and will, I believe, continue to do so for many years to come.
The bottom line
Cohen, the Stanford scientist, concludes:
"Wilson wants society to adopt more of an experimental approach to solving social problems—putting interventions to the test with randomized controlled trials. This is a good idea, at least when the ambition is to disseminate the interventions widely. However, one problem that Redirect does not explicitly address concerns limitations in the experimental method itself. There is nothing better than an experiment for testing causality, whether an intervention A affects a social problem B. However, a positive experimental result risks deluding us into believing that A is both necessary and sufficient to solve B. But as Lewin taught us, the effect of A will depend on the context into which it is introduced—the preexisting system of variables. Encourage students to see their academic fates as within their own control, and they will thrive, provided that they inhabit a classroom that provides them with opportunities for growth, such as committed teachers and quality instruction. Many of the interventions Wilson reviews act like catalysts. They will not teach a student who cannot spell to spell, but they will encourage the student to seize opportunities to learn how. Because the effects of interventions are context-dependent, there will be no silver bullets."
Wilson compellingly argues that effective interventions validated by social-science research are rarely implemented. This is a problem. Why are such interventions ignored in favor of ideology and intuition? What can we do to prevent this? What interventions should we be implementing today?
Richard Thaler is an economist at the University of Chicago, and Cass Sunstein is a professor of law at Harvard Law School. These professors, both with an unimpeachable conservative (in the academic sense of the word) track record, did something unique in our ideology-soaked political environment: They looked at the science. Specifically, they examined the field of behavioral economics as developed by Daniel Kahneman and his colleagues. And in doing so, they arrived at a surprising conclusion: When based on science, both a conservative and a liberal approach to social policy can be married.
In their book, Nudge: Improving Decisions About Health, Wealth, and Happiness, Thaler and Sunstein state:
"The libertarian aspect of our strategies lies in the straightforward insistence that, in general, people should be free to do what they like and to opt out of undesirable arrangements if they want to do so. On the other hand, 'it is legitimate for choice architects to try to influence people's behavior in order to make their lives longer, healthier, and better.'"
They dubbed this theory Libertarian Paternalism, somewhat of a dissonant contradiction to my ears. Their argument is that you don't have to compel people to do what's good for them; you can nudge them toward it. Have people opt out of health insurance rather opt-in, have them opt out of their employer's 401K plan rather than actively save for retirement. You get the picture.
How such an approach would fare with bikers who detest wearing their helmets is left unanswered. No matter. It gives me hope that—examined dispassionately through the lens of scientific evidence—such seemingly irreconcilable ideologies as Libertarianism and Liberalism can rise above the ideological cacophony and give us enlightened policymaking.
Is it too much to ask?
This article was originally published December 28, 2011. It has been reviewed and updated by the author and is being republished because of the remarkable relevance of the arguments to today's political environment. We hope it adds to the much-needed conversation about U.S. policy approaches.

subset: commoncrawl


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By Linda Koco
ORLANDO – Large broker-dealers and wirehouses are tuning into income annuities, to the point that they are asking for support and information about the products, according to Gary Baker, president of CANNEX USA.
In an interview before his talk here on the opening day of the Retirement Industry Conference, Baker said this is one of several signs he sees that income annuities are now cool, or at least beginning to be so.
His Doylestown, Pa., firm is the U.S. division of CANNEX Financial Exchanges Ltd., Toronto. The firm gathers and compiles interest rates and calculation values on income annuities and, in the process, works with a variety of annuity distributors.
Some of the broker-dealers and wirehouses are looking for information that will help them develop in-house specialty tools that advisors can use in allocating funds between income annuities and investments in a single portfolio, Baker says.
They are interested in more specific allocation tools rather than "overview tools" that give clients general information about retirement finances, he said.
Some larger annuity manufacturers are doing something similar, often in concert with a producer or producer group, he added.
"We've also seen an uptick from retirement planning firms that are looking for concept and planning tools that can help with allocation in income planning," he said. These tend to be smaller, independent firms, including software providers in the retirement field.
The landscape
As for the income planning landscape in general, Baker pointed out that sales are moving up. For instance, he said that LIMRA has estimated 2011 income annuities sales at $8.1 billion, up from $7.6 billion in 2010.
He attributed the growth to several factors. For one, there has been more information circulated in public venues about income planning and products, he said.
His sense is that many buyers are older investors in their 70s who like the income annuity because it has a higher return than that of bank certificates of deposits, bonds and bond funds.
Consumers may not understand the advantage of risk pooling and mortality credits in income annuities, he allowed, but "advisors are starting to grasp this," especially as more advisors attend education programs on retirement income planning.
That's significant because "these products are presented and sold by advisors," Baker said.
He noted that there are now several designation and certification programs available in this discipline. In addition, providers and distributors have started pushing income planning concepts out to advisors.
A topic of keen interest is finding effective ways to use insurance and investments together in a client's portfolio, he said.
Then and now
He estimates that the increase in technical support and training on this and on income products has occurred over the last five years.
Previously, he said, many advisors viewed the products as too expensive, unavailable, and illiquid, Baker recalled. And many consumers felt that once they bought an income annuity, their money was "gone" because they no longer could access the account value (and could only receive the monthly income payouts).
Providers have responded by enhancing their income annuities to be more flexible, he said. For example, a CANNEX/LIMRA study published last year found that 24 of the 53 carriers that were polled said they offer liquidity (access to account value) in their income annuities. Seven of the top 10 participating carriers said they did that for their 2010 sales.
In addition, the survey found that liquidity features vary. For instance, 19 carriers said they offer liquidity on all types of contracts, while three offer it only on period-certain-only contracts, and three exclude it from certain-only contracts.
Seventeen allow the policy owner to cash in only a portion of the contract value. But six allow cash-in of all or some of the value, while one allows cash-in only of all of the commuted policy value.
Some require waiting periods before the liquidity can be triggered, but the periods can range from at least six months to at least 60 months, depending on the carrier.
In addition, beyond the annuity's free-look period but before actual income annuity payments begin, some annuities offer a return-of-premium liquidity feature, the study found.
Putting the trends together, Baker said that the greater understanding and awareness of income annuities, the increased training and education of advisors, the availability of more tools, and the enhanced product designs are paving the way for future sales growth. "The barriers are coming down," he said.
Joining Baker in the retirement conference panel on income annuities will be Ami Diviri, corporate vice president-retirement income security for New York Life.
Linda Koco, MBA, is a contributing editor to InsuranceNewsNet, specializing in life insurance, annuities and income planning. Linda can be reached at [email protected].
© Entire contents copyright 2012 by InsuranceNewsNet.com Inc. All rights reserved. No part of this article may be reprinted without the expressed written consent from InsuranceNewsNet.com.


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The Case For Application Modernization
Reducing operational costs: that's the most obvious goal of any modernization project. But it should not be the only goal. A truly successful modernization project will align your IT goals with your business goals so that you create future value through new market generation, improved customer retention and more. Once this is understood, the process of selecting which technologies and tactics are right for your business can begin.
Your company is unique. And because it is unlike any other this is no one size or option that fits all. That's a good thing, though, because you don't want to be like everyone else, your differentiation is what make you unique. You want a customizable, flexible, evolutionary solution that offers incremental modernization to reduce risk and demonstrate results. A project that typically involves the following:
- Re-hosting legacy applications by shifting applications from a legacy environment such as a mainframe to Windows or UNIX in order to reduce legacy hardware and software costs.
- Wrapping legacy applications with SOA interfaces.
- Automated migration of legacy data and applications; transforming application code developed in legacy to Java or .NET
- COTS (Commercial off the Shelf); replacing legacy applications with new packaged applications such as SAP, PeopleSoft and Seibel.
- Re-architecting legacy applications; extracting the business assets from legacy applications and transforming them on to a modern architecture using modern tools and development platforms.
In order to begin the process, though, you need the expertise. The ability to identify both business and IT opportunities and concerns, prioritize and identify the right modernization tools. That's where Fresche comes in.
Many IT departments find they require some assistance when building the business case for a modernization project. They have thought out reasoning behind why they need an initiative, and the probable benefits of modernization but they struggle with analysis of the different technical options that are available. More importantly, they need help compiling material in order to present an effective business case to senior management in order to secure funding.
This is a perfect opportunity to put the Fresche Modernization Roadmap in to action. Containing the goals, strategies, costs and timelines for completing a modernization project, the Roadmap is a living document that is updated as portions are completed or priorities change.
A typical Roadmap should have a number of projects, both short-term and long-term, that support the business goals of the company.
A Roadmap should start by establishing consensus between business executives, partners, IT executives and support staff over the vision, goals, budget and timelines for modernization. Essentially, these key questions should be asked, and answered:
- Where does the business need to be in six months? Two years? Five years?
- What are the major challenges users of the applications have today?
- What risks does the current legacy technology present to the business?
- What are the challenges of supporting the applications?
- What technologies and architecture would we like to move toward?
- What are the current costs of maintaining our environments?
- Are there any revenue increases that can be achieved by improving, adding or changing technology and processes?
The next step is to prioritize your list of business and IT challenges and goals in order to establish a timeline to meet each of them. This means carefully examining what needs to be done now and what can wait until later. At this point, each challenge can be closely analyzed to identify possible solutions.
The Fresche Modernization Roadmap will provide clearly defined connections between business priorities, investments and outcomes. And it will demonstrate both business value and 'buy-in' across the organization. Without this, you're effectively guessing at how appropriate the level of your investment is. That's not where you want to be. So let the experts at Fresche bring their wisdom to bear through the effectiveness of our Modernization Roadmap.
Our client, a leading fire and security company, had recently made a significant acquisition and they needed a strategic partner to integrate systems and align business processes between the two organizations. They picked up the phone and made the call to Fresche.
We implemented our Modernization Roadmap service and assisted the client in mapping out the technical and business process issues they were facing. A practical, multi-phased plan was developed that identified business priorities, aligned technical and business needs, incorporated modernization and improved overall efficiency for the client and its customers:
Identify gap functionality between acquired company applications and our client's applications. Add gap functions from the acquired company to our client's applications and unify business process on a single application.
Add in new 3rd part components to better manage monthly moderating and increase operational efficiencies.
Modernize the custom code to an open and modern architecture in order to reduce maintenance costs and increase agility.


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Artist Sandra Caldwell Ortega for Demonstrate Artwalk
Scottsdale Gallery Association is celebrating the start of the art season with a "Demonstrate" ArtWalk
on Thursday, October 11, from 6:30pm-9pm. Carstens Fine Art Studio & Gallery is proud to present special guest artist Sandra Caldwell Ortega during the "Demonstrate" Artwalk, along with owner and artist Cyndy Carstens demonstrating their painting techniques. Visitors will have the opportunity to meet the artists and enjoy light refreshments and hors d'oeuvres accompanied by live music performed by renowned guitarist John Calvert.
Sandra Caldwell Ortega is a Pastel Painter, originally discovering her passion for Pastel when she took a class in 1998, falling in love with the exciting possibilities of the medium. Her attraction to pastels is to the intensity of the pure pigment and the forgiving nature of the medium. Ortega has participated in numerous exhibitions including both group and solo shows. Her work has garnered several awards. She is a member of Artlink, Local First, as well as a juried member of the Pastel Society of America, the International Association of Pastel Societies, and a Signature Member and board member of Arizona Pastel Artists Association.


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A question was recently posed to Ken Gallinger, an ethics columnist with the Toronto Star: was one of two brothers who received his father's estate ethically obliged to share his entitlement with his disinherited brother? The questioner stated that he was shocked that his father chose to make such a distribution when there was no indication that the father intended to treat his sons other than equally in his Will. The advice of Gallinger was along the lines of: no, you are under no obligation to share the bequest…but… you would probably feel better if you did.
Estate litigation is one of the few areas of law where you could conceivably see the same question posed to an advice columnist as to a lawyer. Reading the exchange between the questioner and Gallinger gave me pause to consider what my answer would be and, more to the point, to consider that I had yet to be asked that question.
Lawyers can sometimes present as insensitive, hiding the fact that they have a personal, moral or spiritual viewpoint because it does not fall within the parameters of their retainer agreement with their clients. Paid by their clients to provide legal advice, lawyers are not expected to opine on the moral dilemma presented by an unexpected windfall. Will challenges are concerned with ascertaining the true intentions of the testator, not with determining whether those intentions were motivated by bitterness or spite.
In concluding his response to the question posed, Gallinger made the comment: "sometimes it's better to be generous than right." Enough said.
Have a great weekend,


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Built to last
Since 2014 Amazon Roofing has been providing the Orlando, Florida area with superior customer service, integrity, and reliability, making us your complete solution to all your roofing needs.
Amazon Roofing
Amazon Roofing installs quality roofs at competitive prices. Whether you are an investor, an owner/user or a tenant, we have the ability to provide you with exactly the kind of roofing services you are looking for. We are a family owned and operated company that is committed to providing outstanding service, quality workmanship, honesty and integrity in all of our projects. We strive to provide the highest level of quality roofing services on every project. Our staff is well trained and highly skilled in all phases of re-roofing, giving you unbeatable quality.
We offer assistance with your insurance company saving you time and money.
Amazon Roofing's team of professionals take pride in providing our clients with unparalleled roofing services for both residential and commercial clients. From re-roofing to asphalts, shingles and flat roofs, we provide outstanding roofing services backed up by our promise to provide 100 percent customer service.
Roofing Systems
Built-Up Roofing Systems
There are several different types or classifications of low-slope roofing systems. Each system has its strengths and weaknesses and some may prove to be a better re-roof solution for a specific building than others. Please call us to discuss which roofing system will work best for your building.
Built-up roof membranes have been in use in the U.S. for more than 100 years. These roof systems are commonly referred to as "tar and gravel" roofs. BUR systems generally are composed of alternating layers of bitumen and reinforcing fabrics that create a finished membrane. The number of plies in a cross-section is the number of plies on a roof: The term "four plies" denotes a four-ply roof membrane construction. Sometimes, a base sheet, used as the bottommost ply, is mechanically fastened. Built-up roofs generally are considered to be fully adhered if applied directly to roof decks or insulation. This has been the standard type of roofing system for many years and most likely to be the type of system that is on your current roof.
Lets us know how we did!
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Great Service, Excellent Customer Support


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Tap to Read ➤
How to Use a Flash Drive
Parul Solanki
Aug 21, 2020
Knowing how to use a flash drive enables you to use this high speed, affordable data to store and retrieve your data whenever and wherever you want. Read more on how to use a USB flash drive.
Flash drives are data storage devices that are integrated with the Universal Storage Bus (USB). Also known as a pen drive, thumb drive, or a memory stick, flash drives are reusable and rewritable memory storage devices that are small enough to fit your pocket and are also handy and quite easy to use.
Unlike storage devices like CDs and DVDs, flash drives are highly scratch resistant and are thus, not prone to the data loss and volatile memory loss. Most modern operating systems like Windows, Mac OS X, Linux support flash drives, gaming devices like the Playstation 4, and even your normal DVD and CD players are equipped with flash drive support.
What is a USB Flash Drive?
USB Flash drives are printed circuit boards that carry certain circuit elements and a USB connector. This circuit board is encased within a plastic or rubberized case. The connectors are encased by a removable cap and often use a standard type-A USB that makes it easy to plug into any personal computer or laptops.
Moreover, these flash drives do not require device drives and can store data ranging from 8 GB to 512 GB and even more. The device can hold any type of data including excel, jpeg, video, and text files.
Flash Drive Use Instructions
Installation of Flash Drives
For using the flash drives, you first need to plug it into the USB port of your computer or laptop. If the computer does not have a USB port, then you can use USB-equipped device for installing the flash drive.
Automatic Installation on Computer
Once the flash drive is inserted in the port, you need to wait for the hardware to be installed. Once the computer recognize the drive, the option "Open folder to view files using Windows Explorer" opens up.
If this option does not appear, then you can click on the "My Computer" and see which drives are shown. You can observe an icon or listing with the flash drive such as "Removable Disk (G:)". Click on the icon to check the files available in the flash drive.
Saving Files on Flash Drive
Saving files on a flash drive is quite simple. Open the file that you want to save and from the "File" option select, "Save as". Select the flash drive or the removable drive from the "Save in" drop down menu. Once the flash drive is selected, click on the "Save" button.
Copying the Files
If you want to copy files or folders to the flash drive or from it, then select the files you want to copy by left-clicking on them. For more than one file, hold the Ctrl key while you select the files. Right click on the chosen files and choose the "Copy" option. Open the folder where you want to save the files, right click, and select the "Paste" option.
Removing the Flash Drive
Once you have finished copying, do not just pull out the USB drive. This can cause the data being corrupted or the flash drive to stop working. Instead, look for the "Remove Hardware" icon on the system tray.
Left click this icon to open a window where all the flash drives are listed. Click on the line that matches your flash drive and watch the "Safe to Remove Hardware" message flashing on the "Remove Hardware" icon. This is a signal that it is now safe to pull out the USB drive from the computer or laptop port.
Remember that these instructions apply only to the Windows operating system. The information may change if you are using a Linux or Unix operating system. The formatting may also differ for a Macintosh and Windows computers.
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Not much going on at the moment. I'm hoping to be able to come out with an announcement in September. In the meantime, here's a little something from my attempts at sharpening my illustration abilities.
Loki's Story
The Immortal Self
Drugs Don't Kill People
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Prisco Family History
14-Day Free Trial
Prisco Name Meaning
Italian, Portuguese, Spanish, and Greek (Priskos): from the personal name Prisco, from Latin Priscus meaning 'the old one'. There are three martyrs of this name, venerated in the Eastern Church.
Source: Dictionary of American Family Names ©2013, Oxford University Press
Similar surnames: Frisco, Primo, Cristo, Crispo, Priolo, Pico, Riso, Cisco, Price


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Temperatures will warm up slightly today thanks to a light southerly wind. However, don't get too excited because we're still looking at highs right around 35° under partly cloudy skies. The HRRR model below says we reach 35° around 3 PM.
A cold front is still expected to move through the region late tonight and into Saturday morning. This will lead to increased cloud cover overnight and may keep overnight lows a bit "mild". Lows will remain in the mid 20s.
The cold front will lead to cold conditions on Saturday. Highs will struggle to get out of the 20s despite the cloud cover thinning throughout the day. I'm currently forecast a high of only 30°.
Bitter Cold Returns
Bitter cold temperatures return to the region Saturday night and Sunday morning as low temperatures are expected to drop to around 10°. It'll once again be a time to let water drip from faucets to prevent frozen pipes!
We'll continue that trend for several days. New Year's Eve is looking to be quite cold as highs on Sunday will only top out around 22°. The NAM Model below is valid at 3 PM Sunday.
However, it will feel much colder than that Sunday thanks to a northerly wind around 10 mph. This will make it feel more like it's around 10° out there! This is the same time as the above model!
Temperatures as we ring in the New Year will be around 13°! However, wind chills will likely be below zero, so make sure you're bundled up if you're celebrating outdoors.
Temperatures will continue to drop on early Monday morning. By 6 AM, temperatures will likely be in the single digits with wind chills well below zero. The European model suggest temps around 7° at 6 AM. The frigid weather doesn't look to leave anytime soon.
Looking Ahead
It looks like we'll see an overall cold and dry patter over the next several days. The only chance of an appreciable chance of precipitation will come around the 8th or 9th of January. We'll have no idea what type of precipitation may transpire until we get closer to the event. The GFS model currently depicts a mixed bag of wintry precipitation.
That should wrap up this forecast. Thanks for stopping by and I hope you have a wonderful day!
-Meteorologist Jacob Wilkins


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2017 Montgomery County Prayer Breakfast
Montgomery County Prayer Breakfast Committee
Thursday, May 4, 2017 from 6:30 AM to 8:00 AM (EDT)
Event Details
"America's Hope In Troubled Times"
National Day of Prayer | Thursday, May 4, 2017
As followers of Jesus, we are called to pray for and bring flourishing to Montgomery County. And as Christ's ambassadors in Montgomery County, it is our goal to help bring the peace of Christ's Kingdom into our homes, workplaces, and communities. Please plan to join us to pray and be inspired.
Keynote address: KELLY WRIGHT, Fox News Channel
Kelly Wright has a message to change a nation, one heart at a time. He understands that true healing begins with faith, genuine transformation starts in the home, and our greatest hope will always be firmly rooted in our Lord.
Kelly Wright currently serves a co-anchor on America's News Headquarters on Saturdays from 4-5 p.m. ET as well as an overnight breaking news anchor based in New York. Wright previously served as a co-host on Fox & Friends Weekend. Wright was inducted into the Martin Luther King, Jr. Board of Sponsors at Morehouse College for his "Beyond the Dream" series. In April 2007, Wright secured an exclusive sit-down with first lady Laura Bush where she responded to the Virginia Tech massacres, Katrina recovery and the president's final term. Earlier in 2005, he reported from Tampa, Florida, on the Terri Schiavo right-to-die case.
In 2004, Wright spent nearly three months reporting on the developments in Iraq. He was among the first reporters to cover the Abu Ghraib Prison scandal and the subsequent court martial cases held in Baghdad. Wright also spent time embedded with U.S. and British troops, reporting on the military's humanitarian efforts in Baghdad, Basrah and Mosul and provided coverage on U.S. forces training Iraqi security forces. Additionally, he reported on the historic U.S. handover of sovereignty to Iraq.
Before joining FNC, Wright served as co-anchor of News at Ten at WVBT-TV (FOX) in Norfolk, Va. During his tenure there, he covered a wide range of stories, including a historical event in Benin, West Africa, where African presidents Mathieu Kerekou of Benin, Jerrauld Rawlins of Ghana, and representatives from the United States, England, France and Dominican Republic apologized for their role in slavery.
Wright also served as a general assignment reporter for WWOR-TV (MyNetworkTV) in New York. He reported on numerous high profile newsmakers and events for the station, including John Gotti, Amy Fisher, the Howard Beach and Bensonhurst murder trials and the 1989 Central Park jogger rape case. He began his journalism career in 1977 while serving in the United States Army and has received numerous awards for his reporting, including two local Emmy Awards for his developing, reporting and co-producing a documentary and news series on the transatlantic slave trade.
In his book, America's Hope, Kelly candidly discusses politics, racism, and the role of faith in a world that's increasingly more cynical. Kelly Wright shares his life story: how he was born out of wedlock, almost aborted, but now can declare how the Lord has blessed and turned around his life.
Location: Located in Rockville Civic Center Park, the F. Scott Fitzgerald Theatre is in the heart of Rockville, just blocks off Route 28. The theatre is one mile from Rockville Metro station, and free parking lots are available.
6:30-6:45 Registration and Breakfast
6:50-7:00 Welcome and Introductions
7:00-7:25 Prayers for Montgomery County
7:25-7:50 Keynote Address
7:50-8:00 Closing Remarks & Next Steps
8:00-8:30 Networking at tables
Montgomery County Prayer Breakfast Sponsors:
- Career Confidence (www.career-confidence.org)
- Christian Business Men's Connection (md.cbmc.com)
- Cross Community Church of Rockville (www.cross-community.org)
- Fellowship of Christian Athletes (http://mocomdfca.org/)
- Hombres de Palabra (http://hombresdepalabra.org/)
- Nehemiah Project (www.nehemiahproject.org)
- Santo Outreach Ministry (http://www.santooutreachministry.org/)
When & Where
F. Scott Fitzgerald Theatre (Lower Level Social Hall)
603 Edmonston Drive
Thursday, May 4, 2017 from 6:30 AM to 8:00 AM (EDT)
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Montgomery County Prayer Breakfast Committee
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The techno sediment filter is superior to regular sediment filters as it uses a natural filter media , a plant extract which absorbs sediment instead of catching it on the outside only. twice the life span of your regular sediments it gives you 12 months.
DELIVERY ANYWHERE IN AUSTRALIA IS $10.00 OR TO NEW ZEALAND IS $20.00 up to 1.5kg
Click here to see our super special package Reverse Osmosis filter and Alkaliser


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Server Care
- Unlimited Remote & On-Site Support from 8 am – 5 pm
- 24x7x365 Emergency Support
- Managed Anti-Virus Protection
- Network Policy Enforcement & Administration
- Security Administration
- Cost savings with our Flat-Rate IT
- Enterprise-Level Care
- Proactive maintenance significantly increases up-time
- Reduction of operational costs; increased profits
- Increased productivity from your employees by re-focusing efforts on your business instead of your IT
- Combined with Disaster Recovery
The goal is to prevent downtime by keeping your server infrastructure running by eliminating issues before they affect your users.
Our tools give us the ability to monitor event logs, keep track of up-time, and get real-time alerts if the server reports an issue. Problems are resolved remotely and quickly, and if need be, a technician will be dispatched. As an FSCS client, your IT Infrastructure is our priority.
24x7x365 Server Monitoring
Full Spectrum Computer Services provides 24x7x365 visibility with Remote Monitoring and Management of Servers.
Our service desk watches Server alerts, filters the data, conducts problem analysis and re-mediates the issues remotely and on-site on a best effort basis.
Our experts will then analyze the cause of the problem and resolve the issue. All of this is done without the intervention of your staff. Your staff will gain productivity because our service allows them to re-focus their efforts on your business, instead of chasing IT problems.
Whitelisting and Blacklisting of Security Patches
Services include Whitelisting and Blacklisting of critical Microsoft (OS & application) security patches.
Proactive Server Care - Policy Administration
To optimize your internet network infrastructure, Server Care includes Active Directory Administration and Policy Management. Network Policies and File/Folder Permissions are managed to ensure internal security, based on protocols necessary for your business.


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Lounge 18′ 5″ x 12′ 2″
Double glazed window to front elevation, wood flooring, fire surround with Baxi back boiler supplying domestic hot water and heating, staircase to first floor, one single and one double radiator, walkway through to:
Kitchen/dining room 18′ 5″ x 10′ A modern and well equipped room benefiting from work surfaces to three walls providing insert one half bowl stainless steel sink with a range of drawers and cupboards beneath with matching wall mounted cupboards also providing space and plumbing for automatic washing machine and dishwasher width fridge freezer to side, double glazed window to rear aspect, double glazed french windows leading to rear garden, radiator, matching glass display cabinet with drawers and cupboards under.
First Floor Landing
access to loft, doors giving access through to:
Bedroom 1
11′ 10″ x 9′ 5″
Double glazed window to front elevation, radiator, airing cupboard off.
Bedroom 2
10′ 7″ x 11′ 7″ narrowing in part to 8'10"
Double glazed window to rear elevation, radiator.
Bedroom 3
8′ 8″ x 8′
Double glazed window to front elevation, radiator.
Bathroom 9′ 3″ x 5′ 6″
Comprising white suite with panel bath, separate shower cubicle, low level WC, pedestal wash hand basin, double glazed window to rear elevation, full tiling to walls.
Open plan front garden. The rear garden has been well presented by the current occupiers and provides a lawned area with patio and timber shed, with rear access.
Garage. Located to the rear of the garden and fitting with up and over door with personal door to garden.


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Have questions?
Comments? Tips?
Ask them in the GlobalSurfers Surf Travel Forum
You can post a new question from the country page to which the question is relevant to, or at the bottom right hand of this page.
to post a new question or answer excisting ones
Please don't spam this forum with your new surf camp / charter / villa / surf school.
The GlobalSurfers forum has been the leading surf travel resource for over 20 years, so keep it friendly and relevant. Happy posting!
Posted inPhilippines
is there any surfin club?« on: May 08 2009 09:05:00 »
i really want to go surfin but the problem is i dont have friends or group who want the same sport, is there any group where can i join, who's also from manila?
RE: is there any surfin club?« Reply #1 on: May 09 2009 00:05:00 »
Well, if you don't mind sharing the gas and toll expenses with BJJ and Judo athletes, we'll gladly take you with us. We surf like every saturday depending on the forecasts or what the locals text us. You can look me up at Facebook for some more details. My name is Jok Gumiran. Search me up na lang
RE: is there any surfin club?« Reply #2 on: May 12 2009 09:05:00 »
manila surfers association (msa) we have multiply website
RE: is there any surfin club?« Reply #3 on: May 14 2009 02:05:00 »
You should contact www.manilasurfers.multiply.com
Also if you wanna take surf lessons right here in Manila at a wave pool you can contact me 0920 - 900 55 89
We also have day trip surf camp packages to Zambales and Real, Quezon. Check out our site www.philippinesurfingacademy.com
RE: is there any surfin club?« Reply #4 on: May 26 2009 16:05:00 »
hey kisses i have a club MSA mapopormang surfers asosasyon basta maporma ka at may bagong maputing board ka at bagong bordshort pasok ka at tsaka rich kid ka pasok ka
RE: is there any surfin club?« Reply #5 on: June 02 2009 07:06:00 »
wow! can i join you mr pro? group mo ba ung panay kwentuhan sa surf-surf? brah i jz want hippy surfing :-)
RE: is there any surfin club?« Reply #6 on: June 04 2009 06:06:00 »
yes mr dreynolds u can join if you want unless you have a new white white board and 1 case of red horse and san mig lights and a 1 long story telling of your surfing career cono
RE: is there any surfin club?« Reply #7 on: June 04 2009 17:06:00 »
ahahahaha..... posero...dame ng jologs talaga sa surf sa pinas, masabe lang at feeling serper... mag paddle out lang for sure di makakalabas...
RE: is there any surfin club?« Reply #8 on: June 10 2009 22:06:00 »
To Mr. Pro Surfer and Dreynolds: I don't understand why you despise surfers who have "white" or new boards (as opposed to old yellowed fiberglass boards).
An accomplished surfer will always have (or wish they have) a minimum of 2 boards: 1 for small waves and another for big waves. This applies to short- and long-boarders.
Surfers do not use one board all their lives. A beginner is advised to start in a longboard for obvious reason: he will learn surfing in about 4 to 6 months as opposed to 2 years in a shortboard. (Nothing is more pathetic than a beginner in a shortboard wobbly learning to stand up in whitewater.) After learning the basics, one can then opt to shift to shortboard or stay on the longboard.
RE: is there any surfin club?« Reply #9 on: June 10 2009 22:06:00 »
Later, he will feel that his board is hampering his progress and will want another. This time he would know the tail, rail, foil, rocker, etc., that he wants. And since one cannot find the exact specification in a second hand board, then one asks a shaper to make it for him. Or find a specific production board model of particular length.
Still later, he will probably want a looser or higher performance board. After that, he may want a new board just to perk up his surfing.
Since you despise surfers who have "white" or new boards, you obviously have not reached a point where you feel that your old board is hampering your surfing progress. Or you may have reached that point but can't get a new one. Simply put, both of you are either beginners or a sour-grape intermediates.


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15 reviews (5/5) and information for Amphlett Lissimore A QualitySolicitors Firm, Bromley
0 review(s) removed
Why are reviews removed?
How to find us
19-23 Masons Hill, Bromley, Greater London, BR2 9HD
Other branches
- Greystoke House, 80-86 Westow Street, Crystal Palace
- 2 Camberwell Church Street, Camberwell
- Gainsford House, 115 Station Road, West Wickham
- 7 Approach Road, Raynes Park
- First Floor Offices, 258A Blackfen Road, Blackfen, Sidcup
Amphlett Lissimore A QualitySolicitors Firm is a highly professional legal firm with offices located in West Wickham, Raynes Park, Crystal Palace, Camberwell, Bromley and Blackfen.
We represent both businesses and individuals in and around London and Kent and offer legal expertise in a vast array of matters, from residential property and leasehold enfranchisement, to children's law.
We pride ourselves on combining the service you expect from a national brand, with the local knowledge that our community needs and are devoted to providing first-rate legal advice catered to both your finances and your legal requirements.
With our free initial assessment promise, you can talk to us worry free before deciding what action to take. Plus our no hidden costs promise ensures that you know what our costs are upfront so there'll be no unexpected surprises.
Languages spoken Creole, English, French, Gujarati, Hindi, Italian, Kekchi, Sindhi, Urdu
Size of firm 6 solicitors
Based on 15 review(s)
Legal services at this branch
- Advocacy
- Children
- Commercial litigation
- Commercial property
- Company and commercial
- Consumer
- Conveyancing - residential
- Crime - general
- Employment
- Family - general
- Family - mediation
- Landlord and tenant - residential
- Litigation - general
- Neighbour disputes
- Private client - Probate
- Private client - trusts
- Private client - Wills
- Tax
Filter Reviews
17/07/20 - Reviewed by Robert W
I phoned you in a crisis because my children had been taken away from me, threatened that they would not return and I would never see them again. Two days later we were in court, three days later, I am sitting with my two children back in our home. What more can I say.....
Thank you so much.
17/07/20 - Reviewed by Paul Weller
Claire has always provided very quick , efficient and helpful responses. She has worked very hard to help us with our move . Thank you
06/07/20 - Reviewed by Siobhan O
I received some very reassuring information regarding my case. I had already had a court hearing for a non molestation and occupation order but didn't feel comfortable with the outcome so I made an appointment with Carole. I instantly felt like I'd done the right thing and have received a very detailed email with the advice I was given. I will most certainly be contacting Carole again for her advice and help as soon as I need it.
09/04/20 - Reviewed by Mr A Brown
Sarah Stace helped me resolve a difficult situation and achieved the final result I had wanted, I know I wouldn't have achieved that without her. From my first consultation with Sarah, she really listened and understood the situation I was in and took action to overcome the obstacles I was facing. She kept constant communication to keep me informed of the next plan of action and replied quickly to any queries I had. She was a positive support during a stressful time and reassured me that we would get the right outcome in time. I am very thankful for Sarah's help and I would recommend her to anyone who needs a professional family solicitor.
24/02/20 - Reviewed by Lizzie Wingham
Great communication with the team who went above and beyond my expectations.
Will and probate
13/02/20 - Reviewed by Echezona ABoh
Excellent service by Katie. Thank you
16/01/20 - Reviewed by Sasha Whyte
Amphlett Lissimore solicitors are professional provide excellent services. They take on difficult cases and they never give in, at the same time they are polite and friendly and thorough in their work.
I was having difficulties getting information to finalise the paperwork and they kept a positive approach to sorting out this issue even when I felt all hope was lost.They made sure things were sorted out for me in time and that is credit to them.
I can honestly say I would definitely recommend Amphlett Lissimore solicitors to anyone who want an outstanding and reliable service by dedicated solicitors.
08/01/20 - Reviewed by Andrew Overall
My experience with Amphlett Lissimore was one of total professionalism. Correspondence was prompt, comprehensive and friendly and I was never in any doubt that my case was in hands of skilled and knowledgeable experts.
Will and probate
04/12/19 - Reviewed by Michelle Gregory
Katie was terrific when we took our probate case to her. We had confusing paperwork and some of the work we had done but she sorted it all out and explained everything in when we didn't quite understand it. I would give her twenty stars if I could. Can highly recommend this young lady to anyone to deal with their wills etc.
07/11/19 - Reviewed by Mohammad Fasihuddin Siddiqui
Versha help through out the sale my house in Bromley so I decided that she will help me to buy the property in Stockton-On-Tees and I am so happy got own property with help of Versha . And I am wishing her all the best .
06/09/19 - Reviewed by Andrew Fouracres
Lucy provided sound advice and guidance and a first class service.
15/08/19 - Reviewed by Andrew J
I was met by someone in the office, who informed me that Donna would be with me soon. Donna offered me a coffee and explained the procedure. We sat in the office and explained what could happen reference my situation
Overall I was well informed
30/07/19 - Reviewed by Richard A
Initially I worked with Liz Edwards, then ultimately with Sarah Stace. Their level of support and understanding throughout my divorce has been exemplary. I always felt I could ask for advice and help through what was a very stressful time.
Thanks to both. I would be very happy to recommend Amphlett Lissimore in the future.
General Legal advice
12/07/19 - Reviewed by Peter
Chris was fantastic from start to end. Professional, honest and friendly. He was always available to answer questions. He was exceptionally patient with me, due to my hearing and understanding. Thank you again for winning the case and justice being brought.
02/07/19 - Reviewed by Shanthi S
Lucy was very warm and friendly. Throughout our discussion it was clear that she was putting my best interest first. She explained the process clearly and made me aware of all my options. She listened to my concerns and offered
possible solutions which were reassuring. Everything was transparent including fees. I felt that I could trust her and rely on her. I am very happy with the service provided and found the consultation very valuable.
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This song is the property of New Earth Energy.
Carlton Neron Thomas, known professionally as Carl Thomas, is an American R&B singer from Chicago, IL. He began his career as a member of the R&B group The Formula. He later branched out, moving to New York, where he sang in clubs during open-mic nights. During one performance, he caught the eye of Sean ""Puffy" Combs, who signed him to Bad Boy Entertainment in 1997. In 1999, he released his debut single, "I Wish", which topped the R&B charts for six weeks. On April 18, 2000, he released his debut album "Emotional." A second single, "Summer Rain", was released soon after. On March 23, 2004, Thomas released his sophomore effort "Let's Talk About It." Although the singles "She Is" and "Let's Talk About It" charted, the album didn't do nearly as well as his previous one. On May 30, 2007, Thomas released his third effort "So Much Better." He released the album "Conquer" in 2011.


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Keep your counters in tip-top shape
Have your marble, granite, or other natural stone countertops, reception desks, vanities or tabletops lost their shine? Are they stained, scratched, etched or otherwise damaged? Our technicians can resolve all of these issues, as well as providing cleaning and sealing services, and education in the appropriate cleaning products for your specific needs.
Cleaning & Sealing
Some natural stone types are more porous than others, but, generally speaking, all natural stone is susceptible to staining. That's why it's important to have your natural stone surfaces sealed, particularly countertops, which are most likely to get something spilled on them. Whether you've had your counters forever and it's time they were resealed, or the contractors just finished installing them, or somewhere in between, AICAD Services can professionally clean and seal your natural stone countertops, making them resistant to stains, that is, giving you time to clean up spills before they turn into stains.
Stain Removal
Stains happen. Sometimes there's just no way around it. If you find yourself with a stained countertop, don't hesitate to contact us. We can resolve most stains in all types of natural stone and get your counters looking beautiful again.
Scratch & Etch Removal
Many foods, drinks, cleaning supplies, and other chemicals you may find at home or at work are acidic, and while most granite is not acid sensitive, many other types of natural stone are, and this can result in etching. Though some people mistake etching for a stain or "water spots," it is actually acid damage to the surface of the stone. Fortunately, our skilled technicians can remove this damage, as well as scratch marks and dullness, and refinish your countertops to like-new condition. We will also educate you in ways to prevent this kind of damage, such as always using cutting boards—preferably ones with a groove around the edge to prevent overflow of liquids—and padding on the metal feet of appliances or office equipment.
Crack & Chip Repair
Pots and cooking implements, small appliances, and desktop equipment can be heavy. No matter how durable the stone, if you drop something on it at just the right (or the wrong!) angle—bang! Now you've got a chip. It's the sort of thing that can stand out on an otherwise pristine countertop and just drive you nuts! But it doesn't have to. AICAD Services can repair most chips and cracks in a seamless manner.
Honing & Polishing
Can you tell what part of the counter you work on most because it's duller than the rest? Or maybe it's just time for a change of pace? Our honing and polishing services can restore the evenly-polished glory of your countertops or change that highly-polished finish to a honed (matte or satin) one or vice versa, delivering just the look you want.


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Barker Mansfield - men's smart comfortable leather chelsea boots - stylish men's boots in brown waxy.
Stylish and modern Barker Mansfield chelsea boot featuring a brown waxy nubuck leather upper. Mansfield are a classic pair which will complement most outfits. With classic chelsea boot side panel and side zip for ease of putting on and off, this boot makes an effortless statement.
Barker footwear is made from the most carefully selected leathers, using traditional shoemaking techniques that have secured the British brand's popularity for over 100 years. Finished by hand, Barker footwear have a unique quality that simply cannot be matched by machine manufactured footwear and their timeless English gent style ensure that every pair is a real investment that will last for years to come.
With the Barker brand base in Northamptonshire, an area which has long-served as England's own shoe-making district, Barker footwear have been in production since 1880 and today the heritage label still employs several tried and tested shoemaking methods such as slow natural drying and polishing to ensure that they still offer the unrivalled level of quality and finish that they're known and admired for.
Around 200,000 pairs of hand lasted sewn Barker footwear is made each and every year, utilising a highly skilled pool of craftsmen in a production environment that allows good natural light – essential for leather grading, colour matching and consistently strong stitching. This attention to detail is why Barker footwear is sold throughout the world, and although some production methods have been introduced over the last century, the same skills and traditions are still employed creating unrivalled results.
Barker footwear are also expertly crafted to ensure maximum comfort, excellent shape retention, water resistance, plus insulation against cold and heat. They're also specially designed to encompass repairable properties which ensure that you can get many years of wear from each pair you invest in.
As well as quality craftsmanship, Barker footwear is also distinctively designed to offer a discerning collecting of formal and smart shoes that add the perfect finishing touch to any great suit. The range includes slip-on moccasins, loafers, dress shoes, brogues and even slippers for a little at-home luxury.
Here at Mozimo we have a great selection of Barker footwear available to buy online, so if you're looking to add a timeless pair of shoes to your collection, which are truly built to last, then shop from our range today and enjoy some of the very best men's footwear that England has to offer.
If you are interested in the heritage designer style, then you may also be interested in our range of mens Barker shoes. Together with this, our collection of mens Barker boots is also a great place to find a selection of stylish, high quality shoes.
This product has not been reviewed yet.


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If you're a chronic snorer, you've probably tried more than a few different treatments. One option you might not be aware of involve vocal exercises such as singing and repeating certain sounds. These have been the subject of studies and clinical trials, with some surprising benefits for reducing snoring.
What Causes Snoring?
The main reason for snoring involves the muscles in the throat. Over time, the throat muscles can weaken and this can pave the way for chronic snoring. They can sometimes relax too much and collapse into the throat while you're asleep. For a lot of chronic snorers, it just means that the tissues and muscles in the throat vibrate a bit more than normal and you become a very noisy sleeper but at its most severe, it can lead to an obstruction of the throat and sleep apnea.
Is Snoring Dangerous?
For most people, snoring is more of a nuisance (usually more for other people than yourself!) than a major problem.
Most people just experience the noisy (but otherwise harmless) vibrations that we know as snoring but for others, it can be more serious.
Some people develop sleep apnea, which can have a bigger effect on your health and wellbeing. This happens when your breathing is interrupted while you're asleep, usually because the tissues in the throat have collapsed to the extent that they have affected your ability to breathe. It sounds scary and
Some of the problems that sleep apnea can cause or contribute to, include:
- Sleep quality – Sleep apnea can mean that you wake up a lot in the night (although you may not actually be aware of this) and feel tired during the day.
- Oxygen levels – People with sleep apnea can stop breathing repeatedly in the night – sometimes hundreds of times. This can affect how much oxygen travels around your body and reaches your brain.
- High blood pressure and heart problems
- Stroke
- Diabetes
- Headaches
You can see why it's a good idea to look at strengthening the throat muscles so that sleep apnea is less of a risk!
Singing and Snoring
If you're a chronic snorer, you'll often be advised to try lifestyle remedies such as nasal strips, which aim to widen the nasal passages. These are often a waste of time and a lot of people don't get on with them. The main reason why they're not successful is that don't do much to tackle the reasons why snoring most commonly occurs -notably, weak muscles in the throat.
If weak and untoned throat muscles are the culprit, what happens if you try to make them stronger? This is exactly what some studies have been trying to determine and they have used singing to test it out. Singing was chosen because you need to have fairly strong throat muscles to sing well and researchers were keen to find out whether chronic snorers could strengthen their throat muscles and reduce their snoring as a result.
In 2000, a pilot study at the looked at whether singing has any effect on snoring. Before the study started, the 20 participants had their snoring recorded for 7 nights and this was repeated at the end of the study to see if anything had changed. For the study itself, they were taught specific singing techniques and exercises and were asked to perform these for 20 minutes per day for the next 3 months.
The idea behind the study was to increase muscle tone in the throat. Most participants did reduce their snoring, especially if they were not overweight and had only developed snoring problems as they had got older.
In 2013, a clinical study carried out by the Royal Devon and Exeter Hospital also included 60 patients with mild sleep apnea, as well as 60 people with chronic snoring issues. They were also asked to perform singing exercises for 20 minutes per day over a 3 month period. By the end of the study period, most participants found that their snoring was less frequent and lower in volume than before. Their sleep quality was also better.
Another study compared semi-professional choir singers and people who didn't sing at all. They wanted to see whether the trained singers were less affected by snoring than their non-singing counterparts. To begin with, both groups completed questionnaires and their partners were asked to comment on their snoring. It had similar results to the other studies, with the singers demonstrating lower on the Snoring Scale Score (SSS) than the non-singers.
Can Singing Help My Snoring?
As you can see, the studies that have been done so far have shown some very promising results for reducing snoring but for sleep apnea, it does depend which type you have.
For Obstructive Sleep Apnea (OSA), singing is increasingly being used as a way to tone up your throat muscles and avoid the need for invasive surgery.
If you have Central Sleep Apnea (CSA), it's a lot less likely to work well for your snoring as the issue here is faulty signals from the brain, rather than weak throat muscles. A deviated septum and other nasal problems are also unlikely to benefit from singing.
You'll get the most benefit if you commit to doing singing exercises for at least 20 minutes per day and making them a regular part of your day. When you do them isn't that important, just as long as you're consistent in doing them every day.
Some of the things you can do to make singing more effective for reducing snoring include:
- Building things up slowly and not being too enthusiastic at the beginning so you don't strain or damage your vocal chords
- Singing from the back of the mouth is particularly effective at strengthening the soft palate muscles
- Stressing the sounds you're singing
- Don't feel disheartened if your snoring doesn't improve straight away – it took 8 weeks for patients in some of the studies to start seeing reductions in their snoring
How the Soundly App Can Help
Singing isn't your only option for strengthening the muscles and tissues in the throat. The same type of vocal exercises are being used in our very own Soundly app, which involves doing fun voice-controlled therapy that you play as games.
Just like the singing approach, it helps to address the underlying reasons why you snore. The sounds that you make while playing the games help to target particular muscles that are more likely to become weaker – much like the specific sounds made in the singing exercises. Think of it as "pushups for your tongue"!
As with singing, it's not an overnight cure for snoring and you can expect it to take around 6 weeks before your throat muscles become strong enough for you to start noticing a difference. Because it works on the same basis as singing, the results are pretty similar too. In a small scale 2016 clinical trial, participants reduced their snoring by around 20% on average but in some cases, that jumped to 60%.


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The 17th century tower of the Portsmouth Anglican Cathedral was on the verge of collapsing because of rotting ancient wood inside casings of concrete and steel.
According to the BBC, concrete repairs have almost neared completion after five months of work and government investment to the tune of £681,000 from the First World War Centenary Cathedral Repair Fund. Restoration workers apparently described the timbers they discovered on site as literally having "turned to powder".
David Collier, project manager, said: "My engineer put his thumb on one timber to test it and his thumb went through the steel. We think the problems arose from repair work carried out a century ago."
Work first began back in January to dig down from the top of the tower, reconsolidate the masonry and insert steel props. It's thought that the work on the cathedral will be finished come the end of June and the Golden Barque, the gilded weather vane, has now been restored to the top of the tower after being removed late last year and recoated in gold leaf.
At Freyssinet, we specialise in repairs of this kind so no matter what project you have in mind, don't hesitate to get in touch. We have worked with major clients including the Highways Agency and many local authorities all over the UK, with our offices located in Dublin, Glasgow and Telford.
We initially started off as specialists in bridge components and post-tensioning but have expanded successfully into repair, protection and strengthening of structures, specialising in diagnostic surveys, bridge bearings, refurbishment and repairs.


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Tag: Good Night Sleep
Posted on 05/12/2019
Healthy Evening Snacks for Kids
Do you find it absurd giving your kids snacks before going to bed? You shouldn't be because keeping the tummy full and joyful before going to bed means a lot rather than waking up so early like 5:00 am to get the belly refilled. A bedtime snack should be taken an hour before the child's bedtime because it...
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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. Data deemed reliable but not guaranteed accurate by the MLS. Based on information provided to and compiled by SmartMLS. Data last updated: 10/01/2020 12:46 AM


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By Joseph Guyler Delva
11:50 a.m. May 26, 2005
PORT-AU-PRINCE, Haiti � – Haiti's former prime minister, imprisoned without
formal charges for 11 months, finally appeared before a judge to answer
accusations that he masterminded a massacre of opponents over a year ago.
Yvon Neptune, who has been on a hunger strike since April 17, was taken
Wednesday to St. Marc, about 60 miles north of Port-au-Prince, to be heard
by a court for the first time since his arrest last June.
Haiti's constitution provides that a suspect should be brought before a
judge within 48 hours of arrest.
Neptune, whose detention has prompted expressions of concern from human
rights organizations and the United Nations, was so weak that he could not
"He had to be transported on a stretcher into the hearing room, where he
spent about four hours," Ronald St-Jean, head of the Committee to Protect
the Rights of the Haitian People, said Thursday.
"It is a good step. We hope Mr. Neptune's rights, which have been violated
since the beginning of the process, will finally be respected," he said.
Neptune, who served under ousted president Jean-Bertrand Aristide, is
detained on accusations that he masterminded what Aristide opponents have
called a massacre on Feb. 11, 2004, in La Syrie, a small village, near
A U.N. expert on human rights who visited the area to
investigate the case has rejected the idea of a massacre, arguing that the
deaths recorded in that region in February resulted from a series of
confrontations between pro- and anti-Aristide groups.
Aristide fled the country on Feb. 29, 2004, in the face of a month-long
armed revolt and under U.S. and French pressure to quit. He is living in
exile in South Africa.
Some Haitian lawyers have argued that Neptune's arrest was illegal because
he was not invited to appear before an investigating judge before he was
The government says Neptune has been charged in connection with killings at
La Syrie. But some legal experts say that under Haitian law, formal charges
would come only after a judge says there is enough evidence to proceed with
the case.
Patrick Elie, who attended the hearing as an observer for Neptune, said the
former prime minister "rejected all the accusations brought against him,
explaining that his arrest and detention was a political lynching."
He said Neptune had never sought to escape justice and had not given up his
hunger strike, which he started to protest his detention.
"Neptune had challenged judicial authorities, because he believes he is the
victim of a political lynching that has nothing to do with justice," Elie
said. "If it is about justice and not about political revenge, I am
confident that Neptune will be released."


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They say, don't they, that the political and social zeitgeist tends to be reflected in the extant music of an area, country, nation or whatever?
So I wonder if the current all encompassing sense of economic doom and austerity has lead to a resurgence of the blues in the scene round the metropolis of Greater Mancunia?
There are a handful of examples of bands pursuing a blues soaked trail through the pubs and clubs of the ten boroughs. Some have been around for a while – The Inflictors are a case in point (although despite a high profile gig supporting The Fall in London they have gone very quiet ) – Irlam's own Calimocho Club are perhaps the vanguard of such a movement having set the bar high with their work as The Black Knights – however their are newer protagonists in the mix including the visceral and slightly off kilter Ruby Tuesday. At the other end of the genre Swinton based Paulo Fuschi is pursuing a more traditional route with his Fuschi4 band – an album of whose I have played a few tracks from late.
My thesis (which had been rumbling in the back of my head for a few weeks) was further solidified with the arrival of an album by Old House Playground this week called "God Damn That Gold". Recorded last December at Lo Fi Studios in Bolton – the band is a two piece (like the aforementioned Tuesdays and Calimocho's) comprising Andreas Venetantes on drums and percussion and Tryfon Lazos on guitars and vocals. They deliver a distinct blues sound, perhaps a tad more mainstream that some of the heavier protagonists I have mentioned before. Lazos has an impressive voice and his guitar work is fine, clean and very much of the idiom. Whilst not overtly polemical there are undercurrents of social commentary in some of the tracks but in the most parts the imagery steers towards Tom Waits territory in its use of language. The music is inherently sexy with a steamy southern states sound.
Stand out track for me was the klezmer sounding "Johnny's Place (Rebetiko)" which manages to meld a blues feel with a folky european traditional sound. Generally the album has a great after hours feel with an almost hypnagogic/surreal sensibility.
Recommended listen of the week for me.
It was released on 11th June 2012 through The Evening Economies and Fat Bob Records.
They have a launch party for the album on 24th June at Kraak Gallery in the Northern Quarter of Manchester City Centre


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Pre-order today and take 5% off with the code 'PREORDER5' at checkout!
This item is temporarily out of stock and available for pre-order. To pre-order/reserve yours today, place an order like you normally would and we'll ship you the item as soon as it's back in stock (typically within 3-8 weeks). Contact us for an ETA.
- Waterproof bamboo outer shell with a side micro-vent for breathability.
- 100% cotton inner shell attached with a zipper so you can adjust the firmness level to your preference.
- 100% Organic Kapok filling.
- The blend of kapok and bamboo makes up for the name Kamboo Pillow.
- 10-Year Warranty.
- Thermo regulating to stay cool in the summer and warm in winter.
- Waterproof
- Hypoallergenic
- Anti-Bacterial
- Anti Bedbugs
- Anti Dust-Mites
- Thermo regulating to stay cool in the summer and warm in winter.
- Filled with 100% Organic Kapok Fibre
WASHING INSTRUCTIONS: Never Wash Inner Shell
What is Kapok?
KAPOK is an organic silky floss that is produced from the pod of the KAPOK or Ceiba Tree and has a high resistance to mildew, mites, and molds. This makes KAPOK very hygienic, environment-friendly and non-toxic.
*This item ships Canada-wide* from Mississauga, Ontario.
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NEW: Protect your investment with our Gold Standard 5 Year Protection Plan.
At Candace & Basil, we stand behind our quality, which is why we offer a 1 year guarantee on all of our products.
This Limited Warranty applies to physical goods, and only for physical goods, purchased from Candace & Basil.
What does this limited warranty cover?
This limited warranty covers any defects in material or workmanship under normal use during the Warranty Period.
During the Warranty Period, Candace & Basil will repair or replace, at no charge, products or parts of a product that proves defective because of improper material or workmanship, under normal use and maintenance.
What will we do to correct problems?
Candace & Basil will either repair the product at no charge, using new or refurbished replacement parts, or simply ship the parts in question to the customer.
How long does the coverage last?
The Warranty Period for Physical Goods purchased from Candace & Basil is 365 days from the date of purchase.
A replacement Physical Good or part assumes the remaining warranty of the original Physical Good or 365 days from the date of replacement or repair, whichever is longer.
What does the limited warranty not cover?
The Limited Warranty does not cover any problem that is caused by:
- conditions, malfunctions or damage not resulting from defects in material or workmanship
What do you have to do?
To obtain warranty service, you must first contact us to determine the problem and the most appropriate solution for you.
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Lofts at River East, Streeterville's only rental loft building, has a fun location along the Ogden Slip, just west of Lake Shore Drive and Navy Pier.
Residents of the Lofts at River East can satisfy many of their daily needs and wants at the newly-opened Target Express, Pinstripes and restaurants in the building.
There's a Starbucks inside the Target.
The apartments are classic mill timber lofts, with space to exult in, high ceilings, exposed brick, huge windows, and exposed pipes and ductwork.
Don't hesitate if you're looking for a 2-bedroom, 2-bath with a balcony overlooking the Ogden Slip. These apartments are renting quickly.
There are 78 different studio to 3-bedroom floor plans at The Lofts at River East. Floor plans and near real-time rent and availability info can be accessed online.
The amenities package includes a business center with a private conference room, a multi-level rooftop sundeck with an outdoor theater, fire pits, gas grills and a wet bar. The building will also have a large fitness center with boxing equipment, a screening room and a waterfront lounge.
Lofts at River East is pet-friendly and has on-site management, maintenance and leasing staff, and 24/7 door staff.


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Night to Shine (Invitation Only)
February 8, 2019 @ 6:00 pm - 9:00 pm CST
You are invited to the Night to Shine Prom event, hosted by the Hillcrest Baptist Church on February 8, 2019 at 6:00pm to 8:00pm at the Silo Event Center.
Join them for a prom night that you will never forget! Walk the red carpet, enjoy the royal treatment and dance the night away.
This is Invitation ONLY!
For more information and to register, visit:


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Re-Stash another USA based brand by Mason-re. Re-Stash is a unique and usable mason jar for cannabis. Not only you can store your favorite herbs but also use it for drinks. The most amazing fact about it is, it is not only BPA Free it is CPSC Certified child-resistant as well. It is Smell proof, no need to worry about sunlight damage and made from 100% eco-friendly materials. Their new launch Re-Vider is a split mason jar which can hold your herbs and rolling papers at a same time.


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Timely, full, clear and accurate information is especially critical in the context of disaster recovery. Disasters bring such uncertainty and vulnerability to affected populations, that confidence and certainty in what is being done to help is vital to the recovery of each individual and the community as a whole.
This report has highlighted the importance of information to affected people. Subsequently, both EQC and insurers have made better attempts at providing relevant information. Both EQC and private insurers are required to provide information to their customers under both the OIA and the Privacy Act 1993. Both of these Acts are powerful tools for claimants who are seeking to access full information regarding their earthquake claims.
Information management is a key aspect of effectively managing earthquake claims. EQC and private insurers are under legal obligations to keep claimants informed and up to date and to settle claims as quickly as practicable. Claimants are encouraged to make prudent decisions in relation to earthquake claims based on all of the relevant information. In the aftermath of the earthquake, provision of information will be essential for the recovery.
If you would like any further information or advice please contact either the article author John Goddard or the Morrison Kent Wellington office (04) 472-0020.
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@inproceedings@inproceedings{Oh:LPC:2002, title = {Laser Pointers as Collaborative Pointing Devices}, author = {Ji-Young Oh and Wolfgang Stuerzlinger}, booktitle = (Proceedings of the Graphics Interface 2002 Conference, May 27-29, 2002, Calgary, Alberta, Canada}, url = {http://graphicsinterface.org/wp-content/uploads/gi2002-17.pdf}, year = {2002}, month = {May}, location = {Calgary, Alberta}, pages = {141--150} }
Single Display Groupware (SDG) is a research area that focuses on providing collaborative computing environments. Traditionally, most hardware platforms for SDG support only one person interacting at any given time, which limits collaboration. In this paper, we present laser pointers as input devices that can provide concurrent input streams ideally required to the SDG environment. First, we discuss several issues related to utilization of laser pointers and present the new concept of computer controlled laser pointers. Then we briefly present a performance evaluation of laser pointers as input devices and a baseline comparison with the mouse according to the ISO 9241-9 standard. Finally, we describe a new system that uses multiple computer controlled laser pointers as interaction devices for one or more displays. Several alternatives for distinguishing between different laser pointers are presented, and an implementation of one of them is demonstrated with SDG applications.


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Your hair is one of the first things people notice about you. A stylish haircut that complements your face can make a great first impression. Salon 17 can give you a new bold or refined look that represents your unique personality. We're a full-service hair salon serving men, women and children in Billings, MT. From halo couture extensions to a platinum blonde lob, your hair is your choice at Salon 17.
Schedule an appointment at our family hair salon in Billings, MT. Call 406-259-1717 today.
When you're ready for a bolder look, come on into Salon 17. You can bring us your hairstyle ideas or let us style you with:
All services come with revitalizing shampoo and conditioning, and we'll even show you how to style your new 'do. Contact us in Billings, MT to learn more about our balayage hair coloring services today.


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Receive our newsletter Camp Maluhia on Facebook
There many projects available for you to help. If you are skilled in carpentry, electrical, plumbing, tree trimming or painting, please contact our camp manager Dylan Law firstname.lastname@example.com for list of projects.
We are also in the process of replacing the dining hall. Your financial support is needed to make this dream come through.
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Alamo Drafthouse Announces "PBS Kids At The Alamo" Series To Benefit Local Charities & Non-profits
Alamo Drafthouse and PBS KIDS to present all-ages, family-friendly big screen programming throughout the year.
December 10, 2015 // Franchising.com // Austin, TX - Alamo Drafthouse and PBS KIDS are pleased to announce the launch of a new year-long initiative that will bring PBS KIDS' award-winning programming to Alamo Drafthouse screens across the country each month.
"PBS KIDS at the Alamo" will feature full-length episodes of new and favorite PBS KIDS' series, beginning with NATURE CAT in January 2016. Other selections include READY JET GO! in February and ODD SQUAD in August. Additional titles and dates will be announced throughout the year.
"PBS KIDS is excited to present 'PBS KIDS at the Alamo,'" said Lesli Rotenberg, General Manager, Children's Media, PBS. "This project will introduce more kids and families to the fun, engaging content of PBS KIDS, while supporting the great work local PBS member stations do year-round with their partners in early childhood education."
Similar to Alamo's popular Kids Camp series, families may reserve seats with a $1 to $3 donation that can be made online in advance or at the box office. All donations will be directed to a charity or non-profit in each market, such as PBS member stations or their local partners, to support early learning activities.
Regular Alamo age and noise policies will not be in effect for these shows. Families with kids of all ages will be welcome and the environment for each show will be suitable even for the youngest ones, from what's on screen to what's up in the lobby.
"We are thrilled to collaborate with PBS KIDS as we expand our high quality programming for our youngest guests and their parents," said Amy Averett, Director of Family and Community Engagement, Alamo Drafthouse. "Seeing PBS KIDS shows on the big screen adds to the interactive learning experience that parents can build on at home."
Participating Markets & Local PBS Stations
Austin, TX - KLRU
Denver, CO - Rocky Mountain PBS
Dallas-Fort Worth, TX - KERA
Houston, TX - Houston Public Media
Laredo, TX - KLRN
Lubbock, TX - KTTZ
New Braunfels, TX - KLRN
Omaha, NE - NET
San Antonio, TX - KLRN
San Francisco, CA - KQED
Winchester, VA - WETA
For more about Alamo Drafthouse, visit drafthouse.com
Alamo Drafthouse Social Media:
Facebook: facebook.com/AlamoDrafthouse
YouTube: youtube.com/alamodrafthouse
Flickr: flickr.com/alamodrafthouse
Instagram: instagram.com/drafthouse
Pinterest: pinterest.com/AlamoDrafthouse
Snapchat: drafthousesnaps
For more about PBS KIDS, visit pbskids.org
About Alamo Drafthouse
Tim and Karrie League founded Alamo Drafthouse Cinema in 1997 as a single-screen mom and pop repertory theater in Austin. Eighteen years later, the now 21-location chain has been named "the best theater in America" by Entertainment Weekly and "the best theater in the world" by Wired. The Alamo Drafthouse Cinema has built a reputation as a movie lover's oasis not only by combining food and drink service with the movie-going experience, but also introducing unique programming and high-profile, star studded special events. Alamo Drafthouse Founder & CEO, Tim League, created Fantastic Fest, a world renowned film festival dubbed "The Geek Telluride" by Variety. Fantastic Fest showcases eight days of genre cinema from independents, international filmmakers and major Hollywood studios. The Alamo Drafthouse's collectible art gallery, Mondo, offers breathtaking, original products featuring designs from world-famous artists based on licenses for popular TV and Movie properties including Star Wars, Star Trek & Universal Monsters. The Alamo Drafthouse Cinema is expanding its brand in new and exciting ways, including Drafthouse Films, which has garnered two Academy Award nominations in its short four-year existence, and Birth.Movies.Death. an entertainment news blog curated by veteran journalist Devin Faraci.
About PBS KIDS
PBS KIDS, the number one educational media brand for kids, offers all children the opportunity to explore new ideas and new worlds through television, digital platforms and community-based programs. Kidscreen- and Webby-award winning pbskids.org provides engaging interactive content, including digital games and streaming video. PBS KIDS also offers mobile apps to help support young children's learning. The PBS KIDS Video App is available on a variety of mobile devices and on platforms such as Roku, Apple TV, Amazon Fire TV, Android TV, Xbox One and Chromecast. For more information on specific PBS KIDS content supporting literacy, science, math and more, visit pbs.org/pressroom, or follow PBS KIDS on Twitter and Facebook.
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On this episode of Trading For Newbies, Ryan and Beef explain both buying and selling vertical put spreads.
A vertical put spread is similar to a call spread but is instead created by simultaneously buying and selling two different put options at the same time. The action we take (whether we buy or sell) with the front option determines the direction of the trade, whether it's a bullish or bearish trade.
A long or short put spread works in exactly the same way as a long or short put option, but the spread has some interesting benefits compared to just buying or selling an option.
If you're interested in learning more about puts, make sure to check out our previous lesson on trading put options.Episode Contents
- Buying A Put Spread
- Selling A Put Spread
About Trading For Newbies
This series will educate you, the beginning trader on the basics of options trading and the tastytrade approach to trading. Our goal is to get you to the point where you will be able to actively find opportunities in the market, enter and exit trades, and clearly articulate what you are doing throughout the process.


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Expectations rising for Marshall basketball
When the preseason AP Top 25 college basketball poll was released a week ago, just one team from Conference USA had any consideration – Marshall, which received one 25th-place vote.
The expectations for the Thundering Herd in 2018-19 are lofty after winning the school's first conference championship since a regular season Southern Conference title in 1988 and reaching the second round of the NCAA Tournament for the first time in school history. The conference tournament title was the first for the Herd since winning the Southern Conference tournament in 1987.
Marshall head coach Dan D'Antoni said, "The ceiling is a lot higher than it has been. The team will get better as the season moves forward. We want to keep pushing the program forward."
That goal of pushing the program into the next level will have its challenges. The Herd was picked to finish second in Conference USA this season behind Western Kentucky. The Hilltoppers received nine of the 14 first-place votes; Marshall earned the remaining five. Despite not being picked to win the league, D'Antoni said he is still confident in his squad's ability.
"There's a lot of high expectations and hope," D'Antoni said. "We have more depth, we're more athletic and deeper in our lineup than we have been. We have to put all the parts and pieces together. If we do that, we'll be as good or better than we were last year."
D'Antoni said he credits the leadership on the roster and the willingness of the underclassmen and newcomers to learn as a catalyst for the team's success over the last few years and for momentum heading into this season. The Herd returns a trio of seniors in guards Jon Elmore, C.J. Burks and Rondale Watson along with Jannson Williams and Jarrod West. Elmore, Burks, Williams and West were starters during Marshall's NCAA Tournament run, while Watson served as the sixth man off the bench.
Marshall has seven newcomers for the 2018-19 season. Taevion Kinsey, Cam Brooks-Harris, Jeremy Dillon, Luke Thomas and Wilhelm von Arndt are freshmen, while Ante Sustic, a junior, and Mikel Beyers, a sophomore, were junior college transfers.
Burks, who was one of two Marshall players named to the preseason all-conference team, said, "We like how things are coming along. Our (younger players) are willing to learn, so everything's looking pretty good for us."
For Elmore, Burks and Watson, 2018-19 is their final chance to showcase their talents on the collegiate level. Each of the three seniors said they are ready for the challenge.
"We're feeding off of last year," Burks said. "We all have motivation going into this year. For us seniors, this is our last go-round, so it's a win or go home mentality."
Elmore said he spent the summer working out across the country, including a trip to the Chris Paul Basketball Academy, where he roomed with Loyola Chicago point guard Clayton Custer. Elmore also worked out for multiple NBA teams before returning to Marshall and said this team has a chip on its shoulder.
"When you go out there with the West Virginia state emblem and the Marshall emblem across your chest, it kind of makes you play a little bit harder," Elmore said. "We go out there and play against teams from 'basketball states,' while some people don't even know West Virginia is a state, so when we go out there and leave victorious, it's a pretty good feeling in the back of your head knowing you're representing the state."
After defeating Glenville State, where Elmore's older brother Ot is an assistant coach, and West Virginia Wesleyan in a pair of exhibition games, the Thundering Herd begins the regular season Wednesday night at Eastern Kentucky. Marshall's first home game is Sunday afternoon against Hofstra.
Kieran Intemann can be contacted at [email protected]


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3 lb. Small Pellet Two-Pack (includes shipping)
Regular price $38.00
*Only shipping bird food within USA*
Maximize your shipping costs and save when you purchase a two-pack of TOP's 3 lb. Small Size pellet bags. You get two bags of a TOP's best seller and free shipping included for just $38.
Perfect for smaller parrots like cockatiels, parrotlets, conures, quakers, lovebirds and parakeets (budgies).
(Note: additional items ordered will be shipped in a separate box with separate shipping charges.)


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My name is Melissa, and I have been making fiber art ever since my grandmother gave me my first cross stitch kit for Christmas in 1984. I was instantly hooked! I now blog about all of my crafty obsessions.
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Thermoskin Wrist/Hand Right - Medium
Check the sizing guide carefully as this purchase cannot be returned due to hygiene reasons.
$29.59 or 2,959 points
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Provides protection and support for the wrist and lower forearm area. Commonly used for the treatment of sprains, tendonitis and carpal tunnel.
- Product Type
- Wrist Support
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- Instructions
- Place the thumb through the hole on respective wrists. Position the product so that both seams run on the outside area of your wrist/hand.
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- Always read the label. Follow the directions for use. If symptoms persist, talk to your healthcare professional.
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All Click & Collect orders are free of charge. For all other orders a $7.50 shipping fee will apply.
Home delivery orders are shipped in plain packaging to protect your privacy.


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Get more out of your house
Refinancing your mortgage could help you save money and time, allowing you to reach your financial goals quicker and more efficiently. For example, refinancing may lower your interest rate and reduce your monthly payments, or you may be able to shorten the term of your loan and reduce interest expenses. You might even be able to remove a co-borrower or get cash from the equity you already have in your home.
At First Internet Bank, we're committed to making the refinancing experience easy and stress-free! As a leader in multi-state lending, we're proud to offer an efficient mortgage application process that will save you time. We'll work to ensure you get the mortgage that fits your needs — and as always, we'll do it on your schedule and at your convenience!
Don't just take our word for it
"Awesome experience with our recent Home Refinance. Could not have been easier or more streamlined experience. Scott was great as always, as well as the rest of the team. Great rate, easy transaction, very efficient - we couldn't be happier. I would recommend First Internet Bank to anyone looking to refinance."- Patrick, ConsumerAffairs Review
"We had started the refinance process with our former mortgage holder, but when we heard about First Internet Bank…it was apparent that your services were superior to that of our former mortgage company. It was a very smooth, organized, and professional process! Hats off to your organization and staff."- Debbie, Consumer Affairs Review
"My first experience with an internet mortgage loan. I wanted a refinance and debt consolidation. I shopped around, asked questions and read reviews. I finally decided on FIB based on their replies to my initial queries and previous customer feedback. All I can say is, I do not regret my decision at all. It took exactly four weeks from the moment I started the application until the process was done."- Elmer, Consumer Affairs Review
"This is my second time using First Internet Bank! I cannot say enough great things about everyone I interacted with. I highly recommend them for any mortgage loan needs! As a busy professional, I do not have time to go into a bank."- Nicole, Consumer Affairs Review
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