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Urstadstrand is located approximately in the middle between Rasvåg and Eie (junction). Here are much sun, child-friendly, good views and a short distance to the boat. In the summer the Sun may shine until approximately 2200 in the evening. The property is part of a regulated cottage area with 14 other units.
The House is of good standard and is well maintained. There are about 400 square meters lawn and garden at the House. The property is ideal for children, with a large playground, sandpit and trampoline. A private Pier is part of the property.
If nothing else is agreed, the tenants have to clean the House before leaving.
Flekkefjord: 17 km (Ferry)
Ferry quay: 5 km
Parking place: 200 m
Shop: 3 km
Seaside: 50 m
Property data:
Living area: 90 m2
Built: 1990
Site/garden: 2000 m2
Number of persons: 6
Pets: only when agreed
H/C water, electricity 220V
Inventory and equipment:
Kitchen: Fully equipped w/cooker, dishwasher, fridge/freezer, microwave, coffee maker
Living room: Dining table, lounge, wood-burning stove, TV (satellite), CD player, PC
Bathroom: Shower, washstand, wash. machine
Toilet: Biological
Bedroom I: Twin bed, 1 child bed
Bedroom II: 2 single beds
Bedroom III: 2 single beds, 1 child bed
Garden: table, 3 benches, chairs, sun loungers, trampoline, children's games
Pier: Two garden tables with benches, barbecue, bathing-ladder, fresh water and electrical power
Boat: 15 feet w/ 9,9 h.p. engine
Flekkefjord: 17 km (Ferry)
Ferry quay: 5 km
Parking place: 200 m
Shop: 3 km
Seaside: 50 m

subset: commoncrawl


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Frankfurt am Main, August 03, 2011 -- Moody's Investors Service has today downgraded the ratings of the
class A2 and class A3G notes issued by GC FTPYME PASTOR 4, FTA (Pastor
4). At the same time, Moody's has reviewed EdT FTPYME
PASTOR 3, FTA (Pastor 3), GC FTPYME PASTOR 6, FTA (Pastor
6) and TDA FTPYME PASTOR 9, FTA (Pastor 9) and has taken no action
as a result of this review. The four transactions are Spanish small
and medium-sized enterprise asset-backed securities (SME
ABS) originated by Banco Pastor, S.A. (rated Ba1/NP,
outlook negative). Today's rating action concluded the rating
review of Pastor 4, which followed the implementation of Moody's
rating guidance entitled "Global structured Operational Risk Guidelines:
Moody's Approach to Analyzing Performance Disruption Risk" on 2 March
2011. A detailed list of rating actions can be found at the end
of this press release.
Today's rating action reflects the continued lack of liquidity in Pastor
4, which persists despite amendments made by the transaction parties
to the deal documentation. The amendments included the appointment
of a back-up servicer (BUS) and were designed to mitigate operational
risk. There is no liquidity facility and the reserve fund has been
fully depleted since July 2010.
In its analysis, Moody's took into account the implementation
of a back-up servicer (BUS) agreement which mitigated the transactions'
operational risk and limited the migration of senior notes in Pastor 4.
The BUS agreement has been signed on 27 July 2011.
Under the signed BUS agreements, EOS Spain will act as the new servicer
upon the request from the management company (GestiCaixa). EOS
Spain is a debt collection company. It employs over 150 employees
and includes banks, utilities and telephone companies among its
clients. EOS Spain already manages all delinquent loans of Banco
Pastor's portfolio. EOS Spain is one of the 43 companies
under the EOS Group umbrella. The EOS Group, a subsidiary
of the Otto Group, was formed in 1974 and its headquarters are in
Germany. The EOS Group is a financial service provider covering
three business units: information management, arrears management
and receivables management. The EOS Group and its parent,
the Otto Group, are non-rated entities. EOS Spain
commits to act as back-up servicer within six month of receiving
the request from the management company. As a result, Moody's
considers the transition period to the BUS to be completed in a maximum
of 2 quarterly payment dates. Moody's also notes that the management
company will coordinate the appointment of replacement servicer if the
primary servicer or BUS are not able to perform their duties. The
management company also acts as an independent cash manager and will be
able to use available funds, including reserve fund, to support
timely payments on the notes in case of a temporary servicer disruption.
As a result, Moody's considers that: (i) the BUS transition
period would be completed within six months; and (ii) payment disruption
due to the lack of liquidity would be consistent with a rating in the
Aa range.
EOS Spain was also appointed as BUS in Pastor 3 and Pastor 9. Both
transactions benefit from liquidity via the reserve fund accounting for
9% and 17% of current portfolio balance, respectively.
The BUS agreement in Pastor 9 has been signed on 21 July 2011.
Moody's has been informed that the BUS agreement in Pastor 3 should
be signed shortly. Moody's will monitor the situation.
Under the revised operational guidance, 6-9 months of senior
interest and costs, approximately equal to 2% of pool balance,
is sufficient for payment continuity on highly rated securities.
The performance of Pastor 3 and Pastor 9 is in line with expectations.
No BUS has been appointed in Pastor 6. Moody's has been informed
by the management company (GestiCaixa) that the notes will be repaid via
extraordinary call on 15 September 2011.
As part of its review, Moody's conducted a detailed analysis
of Pastor 4 performance, which has been worse than expected.
Indeed, at the end of June 2011, 90-day to 18-month
delinquencies were equal to 6.3% of the current pool balance,
cumulative 90+ day delinquencies stood at 15.2% of
the original balance, while the cumulative write-offs had
reached 4.5% of the original pool balance. Historically,
this transaction has under-performed Moody's Spanish SME delinquency
index ("Spanish SME Indices - March 2011"). As of
March 2011, 90- to 360-day delinquencies represented
5.2% of the current pool balance, compared with the
weighted average index of 2.2%. Furthermore,
the reserve fund has been fully depleted since July 2010 and an amortisation
deficit (PDL) of 8.4 million recorded in July 2011.
Moody's used the "top-down" approach to derive the default-rate
assumption, whereby an average through-the-cycle rating
for Spanish SMEs is determined and the rating is then adjusted on a loan-by-loan
basis by considering various factors, including the borrower sector,
repayment profile and the broader economic environment. As part
of the review, Moody's has considered the exposure of the transaction
to the real estate sector (24% of the current pool). The
deterioration of the Spanish economy has been reflected in the negative
sector outlook Moody's published on the Spanish SMEs securitisation transactions
(please refer to Moody's report entitled "EMEA ABS & RMBS Asset Performance
Outlooks -- July 2011 Update", published in July 2011).
As a result of the above, Moody's assumes the default probability
of SME debtors to be equivalent to a rating in the single B-range
for debtors operating in the real estate sector and in the low Ba-range
for the non-real-estate debtors. At the same time,
Moody's estimated the remaining weighted average life of the portfolio
to equal 4.5 years. Consequently, the revised cumulative
mean default assumption for this transaction has increased to 23%
of the current portfolio balance (corresponding to 9.3%
of original portfolio balance).
Given that the pool is less granular (with an effective number of borrowers
of 233), Moody's used a Monte Carlo simulation in CDOROM to derive
the gross default distribution. As a result, Moody's
revised the coefficient of variation of its default distribution to 34%.
Moody's assumptions for the average recovery rate and constant prepayment
rate (CPR) remain unchanged at 45% and 5%, respectively.
Although the quantitative rating model outcome is still equivalent to
Aaa, the downgrade of the Pastor 4 senior notes reflects the lack
of liquidity. Moreover, based on current pace of amortisation,
the class A2 notes would be repaid in less than nine months, which
reduces the exposure of the class A2 notes to disruption risk.
The class A3G notes would start to amortise only once class A2 is redeemed.
As such, Moody's today downgraded the class A2 notes into the high
Aa-range, to Aa1 (sf) from Aaa (sf) and class A3G to Aa2
(sf) from Aaa (sf), taking into account the different amortisation
pace of both notes.
The model outcome is consistent with current ratings on subordinated notes.
Class A3G notes in Pastor 4 benefit from the guarantee of the Government
of Spain (Aa2, on review for downgrade) for interest and principal
payments. However, Moody's has determined that the intrinsic
credit risk of class A3G notes without the government guarantee would
today be consistent with a Aa2 rating.
The principal methodology used in this rating was Moody's Approach to
Rating CDOs of SMEs in Europe published in February 2007. Please
see the Credit Policy page on www.moodys.com for a copy
of this methodology .
Other methodologies used in this rating were Refining the ABS SME Approach:
Moody's Probability of Default assumptions in the rating analysis of granular
Small and Mid-sized Enterprise portfolios in EMEA published in
March 2009 and Moody's Approach to Rating Granular SME Transactions in
Europe, Middle East and Africa published in June 2007.
Moody's used its excel-based cash flow model, Moody's ABSROM™,
as part of its quantitative analysis of the transaction. Moody's
ABSROM™ model enables users to model various features of a standard
European ABS transaction including: (i) the specifics of the default
distribution of the assets, their portfolio amortisation profile,
yield or recoveries; and (ii) the specific priority of payments,
triggers, swaps and reserve funds on the liability side of the ABS
structure. Moody's ABSROM™ User Guide is available on Moody's
website and covers the model's functionality as well as providing a comprehensive
index of the user inputs and outputs. MOODY'S CDOROMv2.8™
was used to estimate the default distribution.
Issuer: GC FTPYME PASTOR 4, FTA
EUR256.6 million Class A2: Downgraded to Aa1(sf) from Aaa(sf),
previously on 2 March 2011 placed on review for downgrade
EUR50 million Class A3G: Downgraded to Aa2(sf) from Aaa(sf),
previously on 2 March 2011 placed on review for downgrade
For ratings issued on a program, series or category/class of debt,
this announcement provides relevant regulatory disclosures in relation
to each rating of a subsequently issued bond or note of the same series
or category/class of debt or pursuant to a program for which the ratings
are derived exclusively from existing ratings in accordance with Moody's
rating practices. For ratings issued on a support provider,
this announcement provides relevant regulatory disclosures in relation
to the rating action on the support provider and in relation to each particular
rating action for securities that derive their credit ratings from the
support provider's credit rating. For provisional ratings,
this announcement provides relevant regulatory disclosures in relation
to the provisional rating assigned, and in relation to a definitive
rating that may be assigned subsequent to the final issuance of the debt,
in each case where the transaction structure and terms have not changed
prior to the assignment of the definitive rating in a manner that would
have affected the rating. For further information please see the
ratings tab on the issuer/entity page for the respective issuer on www.moodys.com.
The rating has been disclosed to the rated entity or its designated agent(s)
and issued with no amendment resulting from that disclosure.
Information sources used to prepare the rating are the following:
parties involved in the ratings, public information, and confidential
and proprietary Moody's Investors Service information.
Moody's did not receive or take into account a third-party
assessment on the due diligence performed regarding the underlying assets
or financial instruments related to the monitoring of this transaction
in the past six months.
Moody's considers the quality of information available on the rated
entity, obligation or credit satisfactory for the purposes of issuing
a rating.
The lead analyst and rating office for each of the transactions affected
are generally different from the contact and office listed at the end
of this press release. For each transaction, the lead analyst
name is available on the issuer page and the rating office is available
on the ratings tab of the issuer on www.moodys.com.
Moody's adopts all necessary measures so that the information it uses
in assigning a rating is of sufficient quality and from sources Moody's
considers to be reliable including, when appropriate, independent
third-party sources. However, Moody's is not an auditor
and cannot in every instance independently verify or validate information
received in the rating process.
Moody's Investors Service may have provided Ancillary or Other Permissible
Service(s) to the rated entity or its related third parties within the
three years preceding the credit rating action. Please see the
ratings disclosure page on our website www.moodys.com for
further information.
Please see Moody's Rating Symbols and Definitions on the Rating Process
page on www.moodys.com for further information on the meaning
of each rating category and the definition of default and recovery.
Please see ratings tab on the issuer/entity page on www.moodys.com
for the last rating action and the rating history.
The date on which some ratings were first released goes back to a time
before Moody's ratings were fully digitized and accurate data may not
be available. Consequently, Moody's provides a date that
it believes is the most reliable and accurate based on the information
that is available to it. Please see the ratings disclosure page
on our website www.moodys.com for further information.
Please see www.moodys.com for any updates on changes to
the lead rating analyst and to the Moody's legal entity that has issued
the rating.
Frankfurt am Main
Yuezhen Wang
Associate Analyst
Structured Finance Group
Moody's Deutschland GmbH
Carole Gintz
VP - Senior Credit Officer
Structured Finance Group
Moody's France SAS
Moody's Deutschland GmbH
An der Welle 5
Frankfurt am Main 60322
Dial 1-866-330-MDYS (1-866-330-6397)
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text:
The Gardener - Herb Garden Soap
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Next Day UK Delivery
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We guarantee to refund or exchange any item you're not completely happy with, providing you return it to us in an unused and sellable condition within 14 days of the date on your receipt.
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Due to the recent COVID-19 virus outbreak, we will be taking measures to help protect you, our staff and the general public.
Effective March 20th, 2020 we will be reducing hours at our 720 Bristol Rd W location with the details below. Our 2500 Hurontario St location will continue to operate on its normal schedule with strict sanitization measures until further notice:
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Browse Reviews by Popular Programs
Student & Graduate Reviews
American Student - 5/28/2016
Degree: Law
Graduation Year: 2015
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Animation Major - 4/30/2016
Degree: Computer Animation
Graduation Year: 2018
"AAU is a good school, but it is very corrupt from what I can tell. Most of the money goes to the president and not to things we really need in the school. Our computers keep crashing while rendering, HDD keep crashing. We need new equipment. The tuition keeps going up for no reason too. I feel like my extra tuition costs go right into the pocket of the president. Probably is, how else can she afford a lavish lifestyle."
Dilden G - 4/19/2016
Degree: Film Production
Graduation Year: 2011
"Instructors are hit or miss but in general the curriculum and school are a joke, even within the faculty. Most offensive is the jet-setting owner with her luxury car collection, massive property holdings and enormous wealth earned on the debt of hopeful students who end up with laughable degrees in an over saturated art market."
Graphic Design Student - 3/20/2016
Degree: Graphic Design
Graduation Year: 2015
"Excellent professors in th graphic design program while I attended 2011-2015. Extremely challenging, which is great since they accept anyone, less than 50% of GD student continue to graduate because of how high the standards are and work load. Great connections and networking with students and professors if you put forth the effort. Truly get what you give. I put my everything into it and am am very please with my education, portfolio, and 75k job in SF straight out of school."
Guy - 3/15/2016
Degree: Video Game Design
Graduation Year: 2016
"Unhappy with housing. Unhappy with Instructors. online classes are garbage. The schools websites and app is garbage. The volunteer services are not valued. Health services and not available. Career services are not helpful in my field. Department directors have their hands tied. Even janitor services suck and are highly unfriendly."
Degree: Graphic Design
Graduation Year: 2011
"Don't do it. First, I was heavily persuaded to pursue a masters program when all I was really looking for was a few semesters of basic design education to learn the fundamentals I had never been taught. Once falling for that I was encouraged to get the maximum amount of the student loans so I could pay for expenses... worst idea. For just over 2 semesters of school, I now owe an additional $60,000 ($80+ total) in student loans (because of capitalized interest while I was in deferment). Besides these tactics the education was also shoddy. After many in the class complained, one of the instructors finally came out and admitted they don't give A's and B's are only if their really impressed. So, the best most could hope for is a C average?! That's crazy! And not very motivating. Basic guidelines for typography and layout were different—not only from class to class but from teacher to assistant IN THE SAME CLASS! So frustrating. Will probably spend the next 30 years paying off a loan which has not helped my career one bit."
The downfall of the online education - 1/29/2016
Degree: Art & Design
Graduation Year: 2018
"When I started my online classes at AAU C.P. was the director of the online education as well as the onsite. After attending about a year they brought in a new director named Lourdes Livingston. Since then I have noticed a steady downfall in quality. Another problem is if you have to repeat a class (which I did due to medical) the curriculum is exactly the same. It's as if the instructors really don't have the needed credentials to be our Professors. I have heard the onsite education is so much better, but I and the other online students feel that we should receive the same quality of education."


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Profit - SchoolTrader DVD Course
While most people assume trading stocks is something you need to be doing all hours of the market, in front of fancy monitors, and at a trading desk.
But for one trader, Connor Bruggemann, he trades part time, on the go, from his iPhone as a High School student. Connor trades from school, when traveling, really anywhere with two mobile apps! This 5-hour DVD covers everything Connor has learned about trading, his entire strategy for trading on the go, how to trade on an iPhone, classic setups, and much more. This DVD will serve as a comprehensive guide introducing you to the stock market, and teaching you everything you need to know to trade on the go, so if you have a busy schedule, work, or are in school, SchoolTrader is ideal for you.
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Latest News
Black Pepper, Lime and Arbikie Chilli Vodka Cured Loch Duart Salmon
This recipe is perfect for a chilly winter's day as there's lots of warming flavours infused through the fish. Although this is a slight twist on the classic, it still offers the clean fresh salmon flavour of the Loch Duart salmon whilst still being surprisingly warming due to the kick … Continued
Kerry MacPhee End of Season Re-Cap
The best way to kick start the off-season has surely got to be back to back podiums in Cyclocross- so I was absolutely delighted to take the top step in my first two Scottish series cyclocross races of the season. I say 'cyclocross season' like I'm about to dive headfirst … Continued
Bees & Salmon at Loch Duart
In a first for Scottish salmon farms Loch Duart, the independent salmon farming company, has partnered with award winning environmental organisation Plan Bee Ltd. to protect Scotland's unique pollinators, the honey and bumble bees. It's a long-term strategic biodiversity initiative, with hives installed at a Sutherland site near the farm … Continued
A Passion for Extraordinary Loch Duart Salmon
On the 23rd of October, Loch Duart will welcome Cambridge Regional College for a visit to their mainland base of operations in Scourie, Sutherland. Cambridge Regional College was the hosting campus this year for the catering college chef competition "A Passion to Inspire" which Loch Duart proudly partners with. As … Continued
Loch Duart runner up in Best Rural Food Business Award
Loch Duart, the independent salmon farming company based in Sutherland and the Hebrides, has been named runner up in the Best Food Business category at the Rural Business Awards North during a ceremony in The Last Drop Village Hotel, Bolton. The awards, which are supported by online retailer, Amazon, are … Continued
Loch Duart Salmon, Hendricks Gin, Cucumber Textures, Salmon Roe & Dill – Chef Alan Dickson
Loch Duart Salmon, Hendricks Gin, Cucumber Textures, Salmon Roe & Dill Recipe – Serves 4 Ingredients 200g skin on salmon fillet 1 whole cucumber Sprigs of fresh dill Rock salt 25 ml of Hendricks gin 100ml of tonic water Tsp pink peppercorns 2 tbsp salmon roe Method … Continued
New honey and bumble bee project for Loch Duart
Plan Bee work with salmon farm to grow Uist & Sutherland bee populations In a first for Scottish salmon farms Loch Duart, the independent salmon farming company, has partnered with award winning environmental organisation Plan Bee Ltd. to protect Scotland's unique pollinators, the honey and bumble bees. The partners have … Continued
Loch Duart recognised at Sunday Times HSBC International Track 200 awards
Loch Duart, the independent salmon farming company, has just been recognised at the 9th annual Sunday Times HSBC International Track 200 awards ceremony at the London Hilton on Park Lane. Speakers at the event were Carol Kane, co-founder, and joint chief executive of boohoo.com and Steve Hewitt, chief executive of Gymshark. Alban … Continued
What Makes Omega-3 So Special?
As incredible as the human body is, unfortunately, it is unable to produce the Omega-3 fatty acids that it needs on its own. Omega-3's are extremely important to human nutrition so instead, we must regularly eat foods that are high in these oils like nuts and particularly oil-rich fish such … Continued
Kerry MacPhee Battles Through at Val di Sole World Cup
I've had a lot of positive race experiences and outcomes this year, more so than any year previous but that was another tough World Cup. It's a whole different level of racing- every Olympian, World Champion, National Champion and then about 70 others just like me trying to move up … Continued
Extraordinary Care, Extraordinary Welfare
Fish welfare at Loch Duart has never been better than it is now for our salmon stocks. However, like any form of farming, rearing fish, particularly at sea, can bring challenges from one day to the next and there is no room for complacency at all. At Loch Duart we … Continued


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Have you met these sugar babies? Read to find out if you have.
Sugar babies! This term is familiar to many people. But in case you do not know what it means, the term refers to an individual who is kept for the sole purpose of satisfying the sexual desires of a much older man or woman in exchange for something tangible or what we like to call a life of abundance.
Sugar babies are even now more popular than most of our Nigerian celebrities. So, whenever you see an individual living the lush and lavish lifestyle, flying private jet, driving luxury cars and wearing items that cost a fortune with no evidence of a job that can sustain that lifestyle, you should know that the individual is a sugar baby.
But that doesn't mean that all sugar babies are on the same rank or level. No!!! Below are five types of sugar babies. Don't forget to tell us which category your favourite celebrity falls into.
The Young Babies
These sugar babies are still young. Some are in their final classes in secondary school or already in the university. These babies are swept away by older rich men with the aim of meeting their needs and taking care of them. The job of these men is to buy these youngsters the trendiest outfits, fancy bags, high tech mobile phone etc
Investment Babies
These are business oriented babies who aim for highly successful men and use their resources to build an empire or something tangible for themselves.
The Single Parents
Individuals in this category are single, hot looking mamas with the body of a model after a child or two. The father of their child or children is not present in their lives. So, to take care of themselves and kids, these women go looking for rich and wealthy men to give them money in exchange for sex.
Celebrity Babies
Sugar babies in this category pose to be elites in the society, but in order to keep up with the luxury lifestyle and appearances they sell to the public, they go after wealthy and highly influential individuals to assist with material things in exchange for sex. So next time you see your favourite celebrity who hasn't been doing much lately, drives a car that costs almost a million dollars or is way more expensive than they can afford, don't ask questions, you already know the story.
The Always Has-Been a Baby
Those in this category are not new to this lifestyle at all. They are young individuals who are not from a wealthy home or anything fancy, but they have always been lucky from a young age to have sugar daddies or sponsors - as some people like to call them. These ones would never ask for anything extravagant or unnecessary. Don't get it wrong, though. These babies have their eyes on the prize but they are not just as exposed as the investment or celebrity babies. They never have to ask before you deliver, because they know how to demand without asking. This makes them the smartest sugar babies on the list.


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I know I'm really close to getting this all set up. This was working a couple of days ago until I used a caching plugin. I have a origin certificate from cloudflare and the universal is turned on. My simple SSL app says everything is working properly.
The problem is that the site is still not secure and the error on the certificate is:
"This CA Root certificate is not trusted. To enable trust, install this certificate in the trusted root certification Authorities store."
Where do I enable this trust? Also, I noticed that the certificate in the warning shows that it expired in 2019… However, my certs from Cloudflare are 2021+…
Installed new origin cert and it solved the problem.


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You're Both So Different? That Could Be What Makes Your Marriage Work
After 21 years, I sometimes look at my wife Merryn and wonder how our marriage works. I'm a writer and speaker, Merryn is a statistician. I work with words, she…
We Need a New Renaissance of Faith. These Three Commitments Can Help
Five hundred years ago the Renaissance brought an explosion of art, science, geographical discovery and religious ideas into the world. What would it take to see a new renaissance (rebirth)…
Let's Turn This Problem into a Quest
A few years ago I wrote a book about starting again after broken dreams. Any naivete I still had about the world and its problems was soon dispelled as hundreds…
Northern Saints Pilgrimage
Originally planned for May 2020 and postponed due to the coronavirus pandemic, the Durham Diocese of the Church of England is launching five new pilgrimage routes into Durham Cathedral this…
Synergy Senior Leader's Retreat
I will lead a retreat for senior leaders in the Synergy family of churches across the UK, Spain and USA.
Synergy Leader's Conference
I will give a keynote message and participate in round table discussions for this leader's conference for the Synergy group of churches in the UK, Spain and USA.
Christian Schools Trust Conference
I will give the opening keynote message at this event for educators and key leaders of Christian schools across the United Kingdom.
BBC Local Radio Sunday Service
I will present and give the 'sermon' on this radio church service heard on all 38 local BBC Radio stations throughout the UK.
Grief is the Honour We Give to Those Who Loved Us Well
Earlier this year, before Covid made things complicated, I attended a thanksgiving service for a much-loved member of our church. We lost Eileen to cancer at just 68 years of…
Listen For the Voice that Can Only Be Heard in Stillness
Stop. Breathe. Interrupt the rush. There is deep meaning to be found in our everyday lives, but we won't find it if we don't pause to reflect, listening for the…


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BBNAIJA: Who's Leaving the House Tonight?
The wahala is getting more interesting by the day and tonight is another eviction time. LIFU, CEELO, TOLEX, and MITO are all up for eviction.
Which of the pair is likely to go home? Well from all indications, LIFU seem the weakest pair but we maybe wrong.
The live show later tonight will reveal the latest pair to be evicted and we cant wait.


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A note from Kelly King: I'm excited to introduce you to a guest blogger today. Her name is Dakota Rice. I think you'll appreciate her honest look at mental health and how as a church we should be concerned for the women in our church. I love how she connects us to the bridge between spiritual and mental health, which is a reminder of how we are made body, soul, and spirit.
Even with the constant talk of mental health awareness, the church as a whole hasn't quite reached the point where we actually care about it enough to properly care for our own.
Think about it. We talk about how to take care of our spiritual well-being. I've heard countless sermons on the armor of God, prayer, Scripture reading, and meditation. And those are all wonderful spiritual practices. But spiritual health and mental health go hand in hand. We have to take care of them simultaneously so that we are able to balance them when one is lacking.
What is the difference in spiritual and mental health? Are they not the same thing?
They're definitely related. But they each serve different purposes. (By the way, my definitions or meanings are not from Webster or Oxford, but rather from my experiences.) Each one brings us closer to God, just through different avenues. With one of them, we have the complete ability to control. The other one might involve circumstances that are not in our control, but we can treat it with care.
Our spiritual health is taken care of when we consistently take advantage of the resources God has given us pertaining to His Word and spiritual disciplines. Some ways to take care of your spiritual health are:
- Praying through Scripture
- Fasting
- Confessing your sins (accountability)
- Participating in a Bible Study (communal worship)
- Scripture memorization (hiding the Word in your heart)
Every single one of these has a verse or passage in Scripture that they relate to. These are clear practices that we know were given to us by God in order to further the kingdom and protect our spiritual well-being.
Our mental health consists of practices that are also practical and healthy but are not specifically outlined in Scripture. Taking care of your mental health means putting priority on feeling like a person. I know that in the middle of our fast-paced lives, constant stimulation, and the weight of the world on our shoulders, it can be hard to simply feel like a human being.
SIDENOTE: I have clinical anxiety and depression. Though this is a mental illness that can be an obstacle in my life, I am not pretending that I know anything about having any other mental condition. For those with conditions like bipolar disorder, schizophrenia, PTSD, or personality disorder, I cannot relate. I can only speak from personal experience. Taking care of mental health looks different for every single individual, whether you suffer with mental illness or not.
Here are some examples of small practices to better your mental health:
- Journal ten things you're grateful for.
- Send an encouraging text to five people.
- Take a walk outdoors.
- Take a social media sabbatical.
- Declutter a room in your house.
Everyone has different personalized routines that make them feel like a person (mine is listening to podcasts or sitting at the library). But there are other small, general practices that work together with those! Take the fifth idea above. I have a room in my house that might be clean for about three days a year. And on those three days, I think clearer and I feel better. And my worship is a lot more genuine when I can clearly think.
So why is mental health so important for our spiritual health?
Most parts of mental health care are all about slowing down. I can be doing all the practical things to take care of my spiritual health, but without slowing down, those practices can feel more like a checklist and quickly turn into legalism. I can fast and read Scripture, but most of the time I'm just looking forward to it being over. I can pray every day when I wake up, but if I don't take the time to feel like a person, I may find myself in a needy mood rather than a grateful one.
Try putting these two things hand in hand. Take a walk outside and pray instead of doing it right before bed. Sit down to make a list of short-term goals and make one of those goals to memorize a psalm. Go an entire day without complaining (which actually coincides with Scripture as well).
Taking care of your mind will ultimately contribute to you taking GOOD care of your spirit. And when you take care of your spirit, you can feel like a real person while you worship. It's not a prescription or a cure for your struggles. But it is a healthy way to walk through them.
Walk in the light. Walk like a real person.
Dakota Rice is a New Orleans native but has recently transplanted to Birmingham, Alabama with her husband, Jason. She is on the Women's Ministry leadership team at her church and also leads multiple small groups. She is a freelance writer, a certified Enneagram Coach, and a self-proclaimed coffee connoisseur! Follow her on Instagram (@dakota.a.rice).


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If You Lived 100 Years Ago
Ann McGovern (Author) Anna DiVito (Illustrator)
DescriptionWhat a difference 100 years has made! Back at the turn of the century there were no televisions, airplanes, computers, plastics, movies with sound, or space travel; there were only about 8,000 automobiles in the whole country. Just turning on a light switch was a new experience.
In 58 tantalizing questions and answers, author Ann McGovern gives readers a fascinating look at life in New York City at the end of the 19th century-where the rich and poor lived, how they dressed, traveled, dined, and entertained themselves, what kind of work they did.
Readers may be surprised to learn that many children had to work for a living in horrendous conditions, that school were often inadequate and overcrowded (there could be 100 or more students in a single classroom), and that bicycling was the most popular sport in the country. (Baseball, cowling, tennis, football, boxing, golf, archery, and skating were also popular. Basketball and volleyball were new.)
Together, the text and art are filled with details that bring the era to life for young readers.
Product Details
$6.99 $6.43
Scholastic Paperbacks
Publish Date
September 01, 1999
9.0 X 0.23 X 7.5 inches | 0.38 pounds
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About the Author
Ann McGovern has written over 35 children's books, including STONE SOUP; several books in the IF YOU LIVED... series; and SCRAM, KID! (Viking, 1974), which won the Horn Book Award. McGovern spent part of her career at Scholastic, where she created the SeeSaw Book Club. McGovern lives in New York City.


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Trump Tower Ornament
About this Product
A delicate replica of the striking Trump Tower on 5th Ave in New York, our ornament delivers a touch of gold to your holiday collection. Packaged in a luxurious, white display box, our ornament can be the perfect keepsake, collectable or gift!
Product Information:
- Plated metal with shiny gold finish
- Black ribbon
- Display box
- 2.5" x 2.75"
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Donald Trump took to Twitter immediately after former Chiefs of Staff Colin Powell appeared on CNN's State of the Union with Jake Tapper and vowed to vote for Democratic nominee Joe Biden. "I certainly cannot, in any way, support President Trump this year," Powell, a Republican, said. And that's big news since Trump is losing ground with Republican voters.
President IMAX, of course, had to tweet about it, calling Powell a "real stiff."
Colin Powell, a real stiff who was very responsible for getting us into the disastrous Middle East Wars, just announced he will be voting for another stiff, Sleepy Joe Biden. Didn't Powell say that Iraq had "weapons of mass destruction?" They didn't, but off we went to WAR!
— Donald J. Trump (@realDonaldTrump) June 7, 2020
Trump then called Powell "overrated."
Somebody please tell highly overrated Colin Powell that I will have gotten almost 300 Federal Judges approved (a record), Two Great Supreme Court Justices, rebuilt our once depleted Military, Choice for Vets, Biggest Ever Tax & Regulation Cuts, Saved Healthcare & 2A, & much more!
— Donald J. Trump (@realDonaldTrump) June 7, 2020
Twitter users gave Trump a wake-up call.
The U.S. Military is Anti-Trump:
Gen. Colin Powell
Gen. Jim Mattis
Gen. John Kelly
Gen. John Allen
Adm. Mike Mullen
Gen. Richard Myers
Gen. Martin Dempsey
Adm. William McRaven
Adm. James Stavridis
Gen. Raymond A. "Tony" Thomas
Gen. Mike Hayden
— Black Lives Matter (@HKrassenstein) June 7, 2020
Admit it Donald, you just shit your pants, didn't you?
— Palmer Report (@PalmerReport) June 7, 2020
Powell is just the tip of the "general" pyramid! Trump is weak and they are calling him out on it!
— Matt Eastwood (@droneguy65) June 7, 2020
Trump in his bunker googling who Colin Powell is so that he can tell us he was "The worst ever General ever. And complete failure as Secretary of State. Nobody respects him you know". pic.twitter.com/x67RmiRS1h
— John (@DotDotDot_John) June 7, 2020
Colin Powell has integrity. You gave a boom-boom in your panties.
— Jeffrey Guterman (@JeffreyGuterman) June 7, 2020
You couldn't shine Powell's shoes.
— Scott Dworkin (@funder) June 7, 2020
— Pantomath (@pantomath__) June 7, 2020
I think most of us have issues with the former Bush administration after we ended up in a war based on lies. But on Powell's worst day, he's a better man than Donald J. Trump. And Trump's lies have put America at war with itself as he uses human suffering to divide us even further.
Featured image via Senior Airman Ridge Shan.
Like what you see here? Join the discussion on Facebook over at Americans For Sanity!


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Jump into savings with this 2 bedroom pet friendly apartment that has been completely renovated, and features flawless contemporary kitchens, open living spaces, large bathrooms, and lots of closet space. Kitchens are equipped with full sized stainless steel appliances and ample counter & cupboard space. You will be welcomed home with beautifully carpeted floors and modern conveniences. Your living space extends to the private patio surrounded by green spaces, where you can relax and enjoy outdoor dining. These updated, spacious residences are designed to suit your lifestyle.
Canvas Apartments are located in the Sherwood-McCarthy neighbourhood north of 9th Ave. It is a beautiful and quiet neighborhood of North West of Regina. Your new home provides you access to elementary schools, communal greenspaces, shopping, and access to the Trans-Canada Hwy.
To book a tour of this wonderful community, please call or email our leasing office to schedule an appointment.
*Pricing displayed is starting from and has all applicable incentives already applied. Incentives may be subject to change or end without notice. All pictures shown may not be representative of all suites available.


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My ten year old son absolutely devoured this book. Iona draws on the strength and courage of her counselling patients to inspire her writing and this shows in this uplifting and courageous tale.
Lucy Scott
A Change in the Air
I have been out most days during lockdown on short socially distanced walks around my local area. When the restrictions began, we were approaching the Spring Equinox. The flowers came in a blaze of colour and beauty, before we moved into a summer of both heat wave and storm. Images of life and death have certainly seemed close together in 2020 as we have been forced to live more in the present, to come to terms with our human vulnerability and to consider what is really important to us and what is not. Now the harvest has been gathered in, I sense a change in the air and in the earth beneath my feet. I am on my way towards completing a book though it is taking longer than I first envisaged. I have also written poems and taken photos, as well as collecting haw berries from an abundant local tree to make hawthorn brandy (recipes on the internet). A submission I made in June, has seen two of my poems - Wings of Light and Summer Trilogy published in the September issue of a monthly Druid journal called TOUCHSTONE.
Wings of Light
The blue grey lull of twilight sea
The shore lamps twinkle into night
Behind a thin mist curtain like a veil
I breathe in stars and fly on wings of light.
Iona Jenkins, 2020
Also published in Touchstone 2020
Summer Trilogy
The white flower trumpets
Are green leaf creeping
Over the old churchyard
Grave stones, silent bones
Life and death close mingle
In sunlight bright gilding
The sky is blue above the bay
Nectar collecting the bees buzzing
In lush lavender purple tumbling
Summer scented on grey stone walls
The earth is alive and honey making
Summer leaves in dusty green
And fruit trees heavy laden
The cornfields ripened gold
All ready for the harvesting
The earth is a generous mother.
Iona Jenkins, 2020
Also published in Touchstone 2020
Summer Solstice Reflection
The early June full moon is known as the Flower Moon. At this time, the gardens around my home were abundant with blossoms and all manner of flowering plants. The Earth had provided an uplifting feast of scent and beauty, even in the midst of our fight against a terrible virus.
There is something magical about a garden and maybe that magic is what happens when man works in direct cooperation with the Creative Spirit to produce a beautiful environment that lives to grow and change colour in every season. Gardens have individual atmospheres and themes. I particularly like walled gardens because they remind me of a novel that touched me deeply in my late childhood - a classic called The Secret Garden by Frances Hodgson Burnett. Set in Yorkshire, the story unfolds as an orphaned girl called Mary discovers the door to a forgotten neglected garden and works to bring it back to life. In doing so, she unleashes a creative, nurturing power that heals her own sorrow, as well as the grief of her cousin and uncle.
There are those who choose gardening as a creative path and I for one, love to sit in their masterpieces, as much as I love to sit in the Sistine Chapel amongst the sacred art of Michaelangelo.
Green spaces are therapeutic. They are essential since they link us not only to the earth but also to our own souls and the soul of the land. Without green, we would live soul-less lives. Green is a must for urban folk, for the maintenance of mental, physical and spiritual wellbeing. If, like the gardener we make an effort to work in loving cooperation with the Creative Spirit, whatever we might conceive that to be, then we also might just have a chance of healing our world.
Summer Solstice blessings to all beings
Inspire, Heal, Bless
I would like to sum up my own intention for writing at this time in three words
It is all an ageing locked down poet can do in an attempt to offer a little comfort and distraction during this massive global crisis affecting us all. Standing on the balcony outside my flat, I received these words and images from a gentle and beautiful springtime twilight. May they open a door into your creative imagination and may you find some peace there, during these very difficult shadow times. Do all you can to keep yourselves and others safe.
Sometimes a rainbow appears at the end of a storm.
Springtime Twilight
Into the West
I had already enjoyed journeys to spiritual places, through inspiring landscapes in Britain, Ireland and destinations in the wider world before I discovered the angels in Italian art.
I was staying with friends on the outskirts of Rome when I first became aware of a connection between art and heart. The Eternal City had worked its magic, opened a door and revealed a new direction – a path that would ultimately lead me deeper into the West like Tolkien's elves. I left the parks and gardens on the banks of the Thames in suburban West London for the mythical and often mystical landscapes of Wales and Somerset. These two places are separated only by Mor Hafren or the Bristol Channel, which lies beyond the cliff outside my flat and flows into the Celtic Sea, then on into the wider Atlantic. I have a clear view of the Somerset coast as the distance between the two shores is only about 12 miles as the crow flies.
This journey has been a magical quest to discover my own creative heart. The book I am working on now, Is a map of my creative spiritual journey – a tale of prose, poetry, meditation and celebration, which I hope may be ready around summer's end. My intention in writing this book is to inspire and encourage others to discover and follow their own creative spark.
Iona Jenkins
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Iona on Facebook
November 2020


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Little Einstein Academy is fully licensed by the State of Indiana Department of Children and Family Services. The preschool meets all Lake County Health Department and State Fire Marshall regulations.
LEA Parent Handbook
LEA Medication Form
LEA Newsletter
LEA Childcare Application
LEA Schedule
About our Payment Schedule
All subsidized co-payments are due the 1st of the month. All cash tuition paying parents' money is due every MONDAY. A 10.00 late fee is added after the 5th of the month and an additional fee of $1.00 each day after the 5th. Your childcare will be terminated if not paid by the 10th of the month. Under certain circumstances, a payment arrangement may be arranged by the administrative office only.


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One Soviet ZSU-57-2 self-propelled anti-aircraft gun. Available in 6mm (1/285), 12mm (1/144), 15mm (1/100), 20mm (1/76) and 28mm (1/56).
The ZSU-57-2 Ob'yekt 500 is a Soviet self-propelled anti-aircraft gun (SPAAG), armed with two 57 mm auto cannons. 'ZSU' stands for Zenitnaya Samokhodnaya Ustanovka, meaning "anti-aircraft self-propelled mount", '57' stands for the bore of the armament in millimetres and '2' stands for the number of gun barrels. It was the first Soviet mass-produced tracked SPAAG. In the USSR it had the unofficial nickname "Sparka", meaning "twin mount", referring to the twin auto cannon with which the vehicle is armed.
The gun barrels are supplied separately so they can be glued in place at any angle.
Pictures shown are for 15mm models
All models supplied unpainted, unbased and without crew (figures)
3D printed to order
Butlers Printed Models


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Roger Richels
Business Banker
Contact Roger
Primary Location
1618 Commerce Street
Wahpeton, North Dakota 58075
- Direct 701-672-6410
Commercial, Commercial Real Estate, Manufacturing, Small Business, Business
Roger joined Bremer Bank in 1998 with a B.A. in Marketing from Moorhead State University. Her serves as Vice Chair of Red River Human Services, Treasurer of Fraternal Order of Eagles and member of the Executive Board of NDSCS Alumni Foundation. In his free time, he enjoys golfing, hunting and fishing.
Roger's locations
1618 Commerce Street, Wahpeton, North Dakota 58075
(701) 642-6403
225 5th Street North, Breckenridge, Minnesota 56520
(218) 643-8721


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The BMJ is a weekly peer-reviewed medical journal. It is one of the world's oldest general medical journals. Originally called the British Medical Journal, the title was officially shortened to BMJ in 1988, and then changed to The BMJ in 2014. The journal is published by BMJ Group, a wholly owned subsidiary of the British Medical Association. The editor in chief of The BMJ is Fiona Godlee, who was appointed in February 2005.[1]
In the 2015 Journal Citation Reports, The BMJ's impact factor was 17.445 in 2014,[2] ranking it fifth among general medical journals.[3]
The journal began publishing on 3 October 1840 as the Provincial Medical and Surgical Journal and quickly attracted the attention of physicians around the world through its publication of high-impact original research articles and unique case reports.[4] The BMJ's first editors were P. Hennis Green, lecturer on the diseases of children at the Hunterian School of Medicine, who also was its founder and Robert Streeten of Worcester, a member of the PMSA council.
The first issue of the British Medical Journal was 16 pages long and contained three simple woodcut illustrations. The longest items were the editors' introductory editorial and a report of the Provincial Medical and Surgical Association's Eastern Branch. Other pages included a condensed version of Henry Warburton's medical reform bill, book reviews, clinical papers, and case notes. There were 2 1⁄2 columns of advertisements. Inclusive of stamp duty it cost 7d, a price which remained until 1844. In their main article, Green and Streeten noted that they had "received as many advertisements (in proportion to the quantity of letter press) for our first number, as the most popular Medical Journal, (The Lancet) after seventeen years of existence."[4]
In their introductory editorial and later statements, Green and Streeten defined "the main objects of promotion of which the Provincial Medical and Surgical Journal is established". Summarised, there were two clear main objectives: the advancement of the profession, especially in the provinces and the dissemination of medical knowledge. Green and Streeten also expressed interest in promoting public well-being as well as maintaining 'medical practitioners, as a class in that rank of society which, by their intellectual acquirements, by their general moral character, and by the importance of the duties entrusted to them, they are justly entitled to hold'.[4]
The BMJ published the first centrally randomised controlled trial.[5] The journal also carried the seminal papers on the causal effects of smoking on health[6][7] and lung cancer and other causes of death in relation to smoking.[8]
For a long time, the journal's sole competitor was The Lancet, also based in the UK, but with increasing globalisation, The BMJ has faced tough competition from other medical journals, particularly The New England Journal of Medicine and the Journal of the American Medical Association.[9]
The BMJ is an advocate of evidence-based medicine. It publishes research as well as clinical reviews, recent medical advances, editorial perspectives, among others.
The journal releases a number of "theme issues" every year, when it publishes research and review articles pertaining to the theme addressed. Some of the popular theme issues in recent years include "Health in Africa", "Management of Chronic Diseases", and "Global Voices on the AIDS Catastrophe". A special "Christmas Edition" published annually on the Friday before Christmas is known for spoof or humorous articles[10][11] (though mainstream media often fall for the joke).[10][12]
The BMJ has four paper editions (which have the same content but different advertising):
There is also a monthly Student BMJ with content tailored towards medical students and junior doctors. Some of the international editions are also available in local languages. The BMJ's global clinical online community is doc2doc.
The BMJ has an open peer review system, wherein authors are told who reviewed their manuscript. About half the original articles are rejected after review in-house.[13] Manuscripts chosen for peer review are first reviewed by external experts, who comment on the importance and suitability for publication, before the final decision on a manuscript is made by the editorial ("hanging") committee. The acceptance rate is less than 7% for original research articles.[14]
The BMJ is included in the major indexes PubMed, MEDLINE, EBSCO, and the Science Citation Index. The journal has long criticised the misuse of the impact factor to award grants and recruit researchers by academic institutions.[15]
The five journals that as of 2008 have cited The BMJ most often are (in order of descending citation frequency) The BMJ, Cochrane Database of Systematic Reviews, The Lancet, BMC Public Health, and BMC Health Services Research.[16]
As of 2008, the five journals that have been cited most frequently by articles published in The BMJ are The BMJ, The Lancet, The New England Journal of Medicine, Journal of the American Medical Association and Cochrane Database of Systematic Reviews.[16]
According to the Web of Science,[16] the following articles have been cited the most often:
The most viewed article[17] on the The BMJ website is:
The BMJ went fully online in 1995 and has archived all its issues on the web. In addition to the print content, supporting material for original research articles, additional news stories, and electronic letters to the editors are its principal attractions. The BMJ website has the policy of publishing most e-letters to the journal, called Rapid Responses,[18] and is shaped like a fully moderated Internet forum. However, concerns remain, even among the web editors of the journal, that this feature may be abused by correspondents who might not want to contribute anything substantial to the topic under discussion.[19]
From 1999, all content of The BMJ was freely available online; however, in 2006 this changed to a subscription model. Original research articles continue to be available freely, but from January 2006, all other 'added value' contents, including clinical reviews and editorials, require a subscription. Access restrictions are lifted a year after publication. The BMJ allows complete free access for visitors from economically disadvantaged countries as part of the HINARI initiative.
On 14 October 2008, The BMJ announced it would become an open access journal. This only refers to their research articles. To view other articles, a subscription is required.[20]
The BMJ has a weekly online newsletter available called "What's New Online" which summarises activity on the website and is available to anyone who registers on the website bmj.com.
In January 2011, The BMJ launched an iPad app version of the journal. The app combines the weekly print journal selection of research, comment, and education, along with feeds of news, blogs, podcasts, and videos to appear on bmj.com.
Our rejection rate for research is currently around 93%.
National Institutes of Health, Anonymity, Anonymous peer review, Academia, Nature (journal)
WorldCat, Infobox, Google, Ohio, Dewey Decimal Classification
Elsevier, Medicine, Richard Horton (editor), Peer review, Psychiatry
Carnivora, Internet Archive, Charles Darwin, The BMJ, Struggle for existence
Peer review, Oclc, The Lancet, Jstor, World Wide Web


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The Sequel to The Fall of The Cabal - PART 3 | The Russian Revolution, the Great Depression and WWII | Nov 3, 2020 (Documentary)
This Documentary by Janet Ossebaard & Cyntha Koeter is been released in multiple parts/episodes from Oct 17, 2020 onwards.
Content Source/Owner: FallCabal
Bitchute Video direct url: https://www.bitchute.com/video/EFzCg9XW5I8G/
Duration: ~ 28 min
This video was published on Nov 3, 2020.
|Representative Image
Video Intro:
Part 3, about the Russian Revolution, the Great Depression and WWII... all instigated by the Cabal.
Through manipulating the Stock market, by pushing Cabal puppets forward, and by ruthlessly killing millions of people who stood in their way. With one goal, and one goal alone...
By Janet Ossebaard & Cyntha Koeter.
Music: Alexander Nakarada.
Previous Videos in this series:
The Sequel to The Fall of The Cabal - PART 2 | The Wrath of the Jesuit Council | Oct 25, 2020 (Documentary)


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Turns out that Steve Smith did eventually have an MRI on his groin injury. He went back to New York City on Sunday when the team was off and was examined there.
"I looked at it with three doctors and they were like 'It's just a muscle strain,'" he said. "Got a little hip thing going on."
Hip? Yeah, Smith said the MRI showed an old injury to his hip that he's been playing with for years. The real issue keeping him out now is the groin strain. But he's inching back toward the field.
"I ran today on the hill pretty hard, so it's getting better," he said. "You just don't want to rush out there and do something [to hurt it more]."
Smith said there's little chance he'll play in Monday's game against the Jets, but he's eyeing the practices after that game for his return.
"It feels a lot better," he said. "Every day it's getting stronger. I'm just trying to stay optimistic and keep my cardio up."


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FREE – Massachusetts Home Buying Seminar
Thinking about buying a home? Join us for a FREE First Time Home Buyer Seminar. You'll learn the home buying process from beginning to end; find out how to select the right real estate agent, attorney and mortgage broker for you; how to win a bidding war; you'll receive home inspection tips and have the opportunity to learn from and ask questions of these seasoned professionals:
• Real Estate Attorney
• Home Inspector
• Mortgage Lender
• Real Estate Broker
You'll leave feeling more confident, knowledgeable and empowered to make one of life's most important decisions.
Refreshments will be served. Seating is LIMITED. Please RSVP. bit.ly/FirstTimeBrookline
Event Link
Add to Google Calendar
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Creative Funding Solutions, Ground Floor, Unit 3, Amberley Court, Whitworth Road, County Oak Way, Crawley, West Sussex, RH11 7XL
Amelia House, Crescent Road, Worthing, BN11 1QR
Some funders prefer perfect credit history, some funders are looking for near perfect, some not so perfect, and some target higher risk business. You are commissioning us as a broker to find the funder that wants to do business with you. We will never credit search you without your permission. However, if you ask us to approach a funder on your behalf it may be necessary for us to credit search you in order to select the funder that's right for you, so by instructing us you must agree to our privacy notice that we do have permission to search you, otherwise we simply couldn't do that job for you properly. The funder themselves will also credit search you, and this would be for nothing if we'd pitched it to the wrong underwriting team. In some limited circumstances it may be possible to do a 'soft' credit check, which will not show up on your credit history, and we will inform you if that is the case.
We will make every effort to pitch your business to a funder that will meet your objectives in the most appealing way. However, sometimes that means we will try a funder who we feel is likely to take your business – but is not certain to. If you are rejected by the first funder we approach, then using the feedback we receive from that funder, we hone our pitch and make as sure as we possibly can that the next funder we approach will take you, providing you agree. This is because we do not want to leave a long trail of credit searches and declined proposals in your credit history.
Typically thirty to ninety days, but funders usually reserve the right to withdraw any offer at any time prior to acceptance.
Our group is comprised of Creative Funding Solutions Limited, which is FCA registered and handles both business and consumer broking, and Creative Funding Ltd, which funds unregulated business. Nobody except employees and agents of our group will have access to your details, and we do not sell information to anyone. The only exception is the rather obvious necessity to inform a funder who their potential customer is, and what their proposal is, so that they may make a decision based on the individual circumstances of each case. You have the right to restrict data processing, object to it, and to withdraw consent for it, amongst others – see our full privacy notice here.
You will usually be able to terminate a finance agreement early, however in such cases consumers receive a statutory minimum rebate, according to the length of term and interest payable left in the deal, whereas business customers will find that the advantages of settling early are themselves minimal.


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A Colourful Autumn at Trentham
A visit to Staffordshire's Trentham Gardens is always a colourful experience between the months of October and November.
Boasting a "rediscovered" Capability Brown parkland, a mile-long lake and award-winning gardens, Trentham has – for more than a decade – been one of the best places in the whole of The Midlands for visitors to head to at this time of the year.
But the introduction of one of the largest pictorial meadows planting schemes in any historic landscape in the country over the last couple of years has done much to improve its autumnal appeal still further.
Of all the places in Britain to visit for a spot of leaf-peeping, few can now compete with the dramatic floor-to-ceiling range of autumnal colours on offer at Trentham Gardens. The woodland trees, reflected in the lake, are just one element of the seasonal show that is complemented every year by The Rivers of Grass – a breathtaking prairie garden landscape of grasses and vast herbaceous perennials designed by Dutch gardening guru, and Chelsea gold-medal winner, Piet Oudolf.
But the iconic perennial plantings of Oudolf and fellow Chelsea gold medalist Tom Stuart-Smith – along with Trentham's own team – has also been expanded by the introduction of some eye-catching perennial and annual meadows, designed and planted by a third Chelsea gold medalist Nigel Dunnett who needs little introduction to the nation's horticultural fraternity.
Best known, perhaps, for his role in the plantings at London's Queen Elizabeth Park, Dunnett is now heavily involved in implementing a new range of plantings throughout Trentham Gardens.
Having provided a stunning swathe of colour since the summer the lakeside areas, for example, will continue to offer rich displays while the flowers slowly fade and the foliage tints.
Elsewhere, mellow tinted grasses offer a staggering impact, alongside the vast perennial displays throughout the garden. And a collection of Japanese Cherries, recently introduced to the western gardens, is now starting to deliver yet more colour to the gardens.
Other trees, chosen with autumn in mind, have been added to enhance the lakeside woodland walk, including 150-plus North American trees.
Some of the new tree planting will take time to light-up the skies at Trentham, but amongst the current natural appeal of Trentham at this time of year are the colours of the magnificent mature Oaks and other trees reflected in the lake – with the wonderful backdrop of Kings Wood Site of Special Scientific Interest (SSSI), which Capability Brown included in his landscape.
Admission prices to the gardens up to October 29 start from £10.12 online for an adult, (£8.64 concessions and children). Family tickets for two adults and three children (£39.00 on the gate, and £35.10 online) are also available. Reduced admission prices will apply from October 30.
For further information about The Trentham Estate, visit http://www.trentham.co.uk/trentham-gardens.
Mark Bibby Jackson
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 Home | Forum | Members | Images Welcome to the Japanese Language and Culture Club Whether you're here because you have a question, are interested in Japan and it's language, or just wanting to chat. Feel free to browse around. Intro はじめに The Japanese language (にほんご 【日本語】) is the language spoken in Japan. It was originally only a spoken language until monks from China came over to Japan, and thus the Kanji (かんじ 【漢字】 Chinese characters / Hanzi) were adpoted. Today, somewhere around 3,000 of these Chinese characters are used in everyday Japanese. They're broken up into categories essentially, the General Use Characters or 常用漢字, Characters used for Names or 人名用漢字, and then characters outside of these groups usually containing characters used for food names, like 天麩羅 (Tempura), 餃子 (Gyoza), etc. The Japanese also make use of characters called 仮名 (Kana), which are broken up into two groups called the 平仮名 (Hiragana/ひらがな) and 片仮名 (Katakana/カタカナ). Unlike the Kanji, these characters are simple derivitives used phonetically (Kanji are used ideographically, and some have multiple readings for a single character). Japan has blessed us all with huge amounts of media, from news, TV dramas, and anime (アニメ), to novels, websites and manga (漫画). And with all this media, it's no wonder so many people want to learn Japanese. It's a great language to learn. If the media isn't enough to drive you to learn the language, or at least learn a bit about the Japanese culture, then perhaps the food will. Sushi (寿司), Tempura (天麩羅), Gohan (御飯), and more. Japan is also known for drinking a lot of Green Tea (緑茶), and things like Ramune (ラムネ) are also some of the things you'll find in Japan. Language Resources So, if you're ready to learn, or are already learning Japanese, perhaps some of these resources will help. The Japanese Language and Culture Club - This club is great for talking about your language learning goals, new discoveries you've uncovered, or even which manga you're reading this week. You can ask questions, and our forums is a great place to talk about specific things like how to learn Kanji. Dictionaries (辞書) - Dictionaries are great resources for discovering what words mean. There are several options when choosing a dictionary, but I think these will best serve you.
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 1. WWWJDIC - The best online Japanese-English dictionary you can find. It's an open source dictionary that, not only contains hundreds of thousands of entries, but it also contains set expressions, names or people and places, and has many features for looking up words and kanji. 2. Yahoo辞書 - This dictionary is another one of the better ones. You can search two of the largest 国語辞典 (Japanese Language Dictionaries), the 大辞林 and the 大辞泉. As well as having a great multilingual dictionary with tons and tons of example sentences, it also has a synonym dictionary. 3. Goo辞書 and Infoseek辞書- These two dictionaries are essentially the same in contents, and only differ in minor features. They both use the 大辞林 for their 国語辞典 (Japanese Language Dictionary). And, the multilingual dictionaries have quite a few simpler example sentences, so these are good to start with if you're not yet familiar with longer constructs of Japanese. 4. Saiga-jp, Kanji Dictionary - This is a Kanji dictionary containing some 3,000 character with voice recordings and some listed compounds, and usage examples. (Thanks hikky)
 Grammar (文法) - Japanese grammar is simple, logical, and easy to learn. Especially when you're using the right sources. While I would only recommend studying grammar that you absolutely need (such as the functions of particles, and basic Japanese word order), you can use Tae Kim's Guide to Japanese to get you started. He teaches you to understand grammar from Japanese so that you may learn to understand Japanese, not so much on actually using it (which comes natural with lots of reading and listening). Learning Japanese (日本語の勉強) - If you don't know about AllJapaneseAllTheTime.com, then head on over there and read up. It covers all sorts of things on becoming natively fluent in speaking, reading, writing, and listening. As well as sharing lots of info on how one can go about immersing themselves in Japanese and becoming fluent by having fun. Not to mention, there's tons of links to many many resources for learning, among which is Anki. For more resources, such as media recommendations and such, head on over to our forum. Thanks for visiting, and welcome! Top ^ Club Affiliates Japan Lovers MAL Member Socializing Club
 Link back to us! :D (Thanks windeen (Windy))
 Looking to put your studies to good use? Help out on this open translation project!  Contact desolato for more information or visit the site by clicking the image link.
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Henley Centre for Entrepreneurship
Henley Centre for Entrepreneurship (HCfE) was established in 2007 and is one of is one of 14 research centres which drive research at the Henley Business School. HCfE's purpose is to conduct high quality research in the field of entrepreneurship and start-up businesses.
In 2017 HCfE celebrated two major achievements: being honoured as among the best entrepreneurship research centres in the world by the AACSB accreditation agency's Spotlight Challenge and releasing its 10-year plan for the future as part of its 10th anniversary. Further details are available to read here and here respectively.
In addition to its research focus, HCfE is also heavily involved in the delivery of entrepreneurship education within Henley Business School and across the University of Reading, conducting several modules that are open to all undergraduate and postgraduate students. Additionally, HCfE faculty are responsible for the portfolio of programmes in entrepreneurship, which include the MSc Entrepreneurship and Management and the MSc Entrepreneurship and Financing for postgraduates, as well as the BA Entrepreneurship and Management and BA Entrepreneurship for undergraduates. An active community of PhD research students pursuing doctoral research the area of entrepreneurship are also supervised and supported by HCfE faculty - details on applying for the PhD course can be found here.
HCfE's focus on teaching entrepreneurship goes beyond the classroom, as we have a firm belief in putting entrepreneurship into practice for students, alumni and the local business community. A wide range of activities, including the facilitation of student placements to improve their employability, the provision of extracurricular initiatives (ranging from the Business Incubator and the student Entrepreneurship Society to the IDEAFEST Student Business Idea Competition) and supporting the growth of local SMEs, are all led by HCfE to ensure that the Thames Valley area has a vibrant and thriving entrepreneurial future.
HCfE is led by both Professor Andrew Godley, the Academic Director, and Jurek Sikorski, the Executive Director.
Keep up to date with all HCfE's news by having a look at our biannual newsletter, which you can read here.
Upcoming Events and Latest News
Henley Centre for Entrepreneurship runs a variety of events every year, targeted at both current students and local businesses. Please see below for our upcoming events and all our news within the research centre.
Contact us
For more information please contact Alex Baker.Email: email@example.com
Telephone: 0118 3788691


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Britain's Dragonflies: A guide to the identification of the damselflies and dragonflies of Great Britain and Ireland
- Series : WildGuides
- Publisher : Princeton University Press
- Illustrations : 321 col illus, 66 maps
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3rd revised edition. Britain's Dragonflies is the only comprehensive photographic field guide to the damselflies and dragonflies of Britain and Ireland. Features hundreds of stunning images and identification charts covering all 56 resident, migrant and former breeding species, and seven potential vagrants. Focuses on identification, of adults and larvae, highlighting the key features. Detailed species profiles with concise information on identification, distribution, flight periods, behaviour, habitat, status and conservation. Sections on biology; how to watch, photograph, record and monitor; conservation status and legislation; and introduced exotic species.
This redesigned, updated and expanded edition features:
Beautiful colour plates showing males, females, immatures and all colour forms for every species
Over 450 stunning photographs and 550 illustrations
Up-to-date species profiles and distribution maps
Detailed, easy-to-use identification charts for adults and larvae
Other titles from the series : WildGuides
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