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Best way to buy a house?
Hi I'm 25 and Me and my boyfriend have been saving up for a house to buy . People tell us we Have to get a mortgage in order to be able to afford a nice home. However me and him really don't want to get a mortgage because we don't want to pay the interest on it. So far we have 50,000 saved up and want to use 40,000 for the down payment and 5,000 for closing cost and save the rest. We are looking at homes around 350,000. Is it possible to purchase a home like this without a mortgage or what are my options also how much are we likely to pay monthly? I heard the more down you put the lower amount you pay monthly is this true? Also I live in tx
23 Answers
- Anonymous6 months ago
Only and I do mean ONLY a FOOL would do what you two are thinking of doing and that is buy a home with someone you have no legal relationship with. Do not throw that luuuuuuuuuuuuuuuuuuuuuuuuuuv crap back at me because it happens all the time around here where we see idiots who do what you two are contemplating and want to know what to do now and the options available to married people are not available as quickly to shack ups.
You would need a combined income of 100K or more or 1/3rd the price of what you get the mortgage for. You can inflate that but you are also asking for loss of the home.
- Casey YLv 76 months ago
If you don't have the cash to purchase the property...you will need a loan. A loan on a residential property is called a mortgage...is there something you are missing here?
Even if the seller offered owner financing....that's still a mortgage. Where do you think the rest of the money would come from in this instance?
- AmyLv 76 months ago
Do you not understand what a mortgage is?
You want a house that costs $350,000. You are only willing to spend $40,000 right now.
Do you live in a fantasy world where someone will sell you a house for only 1/10 of its value?
Or do you live in a fantasy world where someone will loan you $310,000 at no interest?
A mortgage is a LOW INTEREST loan.
Your credit card charges something like 25% interest per year, and that's how the credit card companies avoid losing money even though some people fail to pay their credit card bill.
A mortgage charges 4 to 5% interest. The bank can charge a low rate because the value of the house itself ensures that you will always be able to pay back the loan, even if you have to sell the house to do so.
Your monthly payment will depend on how much money you borrow, the interest rate, and how many months the payments are spread out over. You should google "mortgage calculator" and play with the numbers, see what's within your budget.
Paying $310,000 over 30 years at 4% interest puts the monthly payment at $1,480.
- JudyLv 76 months ago
If you don't want to get a mortgage you'e have to save the whole 350K plus closing costs. The money has tot come from SOMEwhere
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- curtisports2Lv 76 months ago
OK, you put down $40,000 on a house that costs more. How does the seller get the rest of their money? You make payments to them? THAT is a mortgage. It's a private mortgage, not a mortgage through a bank, but it's still a mortgage.
The only way to buy a house without borrowing the money from someone is to pay 100% cash. Are you going to save until you get $350,000? And save that money while paying rent? It can be done, but by the time you have saved that much, the same house will cost far, far more than what it does today.
Mortgages are smart. Yes, you have to pay interest, but what you are doing is leveraging your investment. You are getting to control a large asset for a small investment. If your credit and income are good enough, you might be able to buy a house for $350k by putting down 10%, $35,000.
You own it for ten years, make the payments on it that, if your income and credit were good enough for the lender to give you the loan, you will have no trouble paying for. Now, let's say values keep going up and in ten years, the house is worth half a million. You made $150k in ten years on an investment of $35,000. To turn that same $35k into double in ten years, or $70k, in the stock market, you would need a consistent rate of return of 7.2%. To turn $35k into $150k in ten years in the stock market, you would need a consistent rate of return of about 15%. And we all know that the stock market has ups and downs.
So now, subtract the 4% interest you're paying on the mortgage over those ten years from the 15% you got, and you have owned an investment that gave you 11% a year. That covers the interest. The principal you paid is still yours, it's the equity in the home after paying down the loan. And you owned it, you didn't have a pile of receipts from renting.
If you have managed to save that much money, you are WAY ahead of most first time buyers. Go sit down with someone at your bank and discuss what is involved in getting a mortgage. They can tell you the income you need to buy a house at any price, approximately how much the payments will be. There's no obligation. Once you have the roadmap and are ready, then you can start shopping, for a house and for the best mortgage rates out there.
Very true, but someone who cannot plug and chug to get the payment is unable to follow your analysis.
- Trivial OneLv 76 months ago
You are very confused. If you don't want a mortgage, then you have to pay the full cost upfront when you buy. There is no down payment--you pay the whole amount.
A mortgage means that you put some money down and then borrow the rest and pay it back over time (15 or 30 years, usually).
So, if you don't want a mortgage, you have to save up the whole $350,000. If you want to make a down payment of $40,000, then you'll get a mortgage for $310,000. Your monthly payments will depend on the interest rate you get and how long you have to pay the mortgage back (15 or 30 years). There a hundreds of on-line calculators that will tell you what the monthly payback is. Don't forget to add in your property taxes and homeowner's insurance premium.
Thanks for the info. I'm a first time buyer so I'm clueless and apparently the person I spoke to was just as clueless 🤷🏽♀
- Anonymous6 months ago
Yes you can buy a $350,000 house without a mortgage when you have about $360,000 in cash.
Down payments are only relevant if you are borrowing money to buy the house. Let me explain how a mortgage works.
You find a house for $350k. You make a $50k down payment. You still owe the seller another $300k. You apply for a mortgage and the bank then pays the seller the other $300k. You then make payments on the $300k to the bank.
When you buy a house, the seller needs to be paid in full. So you either pay in full with your own money or you borrow money. You are not making payments to the seller. You are making payments to the mortgage lender.
And since you asked what the BEST way to buy a house is...do it ON YOUR OWN or with someone you are MARRIED TO. Never, ever buy real estate with someone you are not married to. Your bf could decide he likes his next door neighbor better than you. She could move in, you move back to your mummy's basement and then what happens if bf refuses to pay the mortgage? You're now stuck in mummy's basement paying the mortgage on a house that your ex lives in with his new gf and you can't even rent an apartment because you don't qualify due to the mortgage debt.
You've heard of divorce, right? That's when a couple goes before a judge to dissolve their relationship and the judge sorts out who does what and who gets what. You don't get that if you aren't married. You're freaking STUCK. It's WAY easier to get out of a marriage than to get out of a house with a bf/gf. Odd but true. Hang out on this board long enough and you'll hear the horror stories.
ETA: Sounds good! Congrats! Just make sure you go to court and get hitched before you buy the house. I'm seriously not kidding.
Time to choose a best answer.
- oklatomLv 76 months ago
You have little choice but a mortgage unless you have about $400,000 in savings
To afford a house that costs $350,000 with a down payment of $70,000, you'd need to earn $60,802 per year before tax. Yes, you would need at least 20% down. 30% which is $105,000 would be better.
A good rule of thumb is to spend no more than 28% of your pre-tax income on your mortgage payment.
- Anonymous6 months ago
Don't buy a house with someone you aren't married to.
You can pay cash if you don't want a mortgage.
We have 2 children together and been together for 8 yrs we decided to save the wedding money for a home . Sorry I didn't put much info on my relationship lol
- MogLv 76 months ago
Look for foreclosures


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Our world is moving towards a digital future in nearly every aspect. For the gaming industry, digital distribution has proven to not only be a feasible business model, but an incredibly profitable one. In the digital marketplace, Valve is king, with industry estimates reporting that the company controls a 70% share of the entire market. Valve's co-founder and President Gabe Newell recently sat down with a high school class to discuss some of the intricacies of the gaming industry, including an explanation of their sales model, revealing just how different the digital storefront is from its real-world counterparts.
For anyone unfamiliar with digital distribution, Valve's way of doing business would seem to be the antithesis of traditional thinking; giving PC owners the ability to download their distribution software Steam for no cost,and making a habit of lowering product prices when they would seem to be most profitable.
People in the games industry know that this is the same company who has given us Half-Life, Portal, Counter-Strike, and the upcoming Portal 2, so they clearly know what they're doing. The exact dollars and cents of the digital sales model has never been totally clear to those outside the industry, but Newell explained that the numbers support their practices, and ultimately lead to larger profits.
Don't take our word for it, hear how Newell warns the youth of America to take nothing for granted, especially human behavior in this digital age:
"So here's a simple example: when we work on sales, we try to encourage people - our partners and ourselves - to knock as much off the price as you can. So traditionally, if you did that in a retail channel, all you'd be doing is sort of cannibalizing yourself, right? You'd be encouraging people to buy the product now rather than buying it in the future, and you'd also see a lot of elasticity, so if you dropped the price by half, you'd double your sales. And so it wasn't really clear that you were doing anybody any good by fiddling with your price.
"When you're selling a product directly on line though, and you drop the price by 75%, you'll actually increase your total gross revenue by a factor of 40. So it's not that you're selling... 40 times as many units, you're actually generating 40 times as much gross revenue. That's a completely unpredicted occurrence. And then after the fact you find out that sales, rather than going down after you've returned to sort of the base-line price, sales will actually be higher.
"So you're not simply going out into the future and capturing a bunch of sales from the future earlier, you're actually somehow increasing the demand for your product by running a sale... That's a very unusual phenomenon that you wouldn't learn about by selling boxes through traditional retail distribution."
The most important rule of economics is that there's no accounting for taste, because people have always been and will always be unpredictable. When Valve announced that they would be bringing downloadable items to Team Fortress 2, it was a foregone conclusion that fans would line up to hand even more cash over to the company.
What valve was interested to find out was where people were spending the money, and why certain items would seem more appealing to their customers than others. Newell revealed that the most expensive item ultimately became the best-selling, with the second-best-selling item being the cheapest of the offerings. The geniuses at Valve don't know what that means, only that they clearly have more work ahead of them to better understand consumers' buying habits.
There really are no examples to look to for reference in a field so new and unknown, and Newell's efforts and thoughts explain why he was listed as a name to know by Forbes Magazine. There are few fields left to become a pioneer in, but Newell and Valve are showing that it's possible even today, as evidenced by their domination of the market.
With Steamworks coming to the PlayStation 3, it's clear that Valve still has plenty of undiscovered country left to trek. We don't know what they'll find, but it's a fair bet that the entire industry will be watching closely.
Source: The Escapist


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Anxiety…. that word in itself can make you feel out of control.
You can take back your life though.
With these simple easy to follow techniques you can change the way you look at not only anxiety but how you can heal the underlying issue that make the anxiety feeling to begin with.
You may wonder what makes Robin an expert with Anxiety Attacks.
My first one happened when I was 18 and from there it was 17+ a day.
It took me years to figure out how to control them and I did that with no meds (induced a panic attack).
So I know you can do it too.
Here are the different techniques that I have used and you will have a video with each so you can see each one done.
1. E.F.T. (Tapping)
2. Crystals
3. Healing Energy
4. Ho'oponopono
5. Sway Method
6. Emotional Release
7. Diet and Exercise
8. is a Bonus Guided Imagery video to help you release Pain and Stress.
This course is $97


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GtaGamer222 has made a mod that does pretty much as advertised: it covers Los Santos in water, so much so that only the very highest parts of the city and surrounding countryside have escaped the deluge.
Here's a video by GtaGamer222 running around and piloting a sub:
While here's a good one by MkElite that's got a lot of first-person action, as well as a look at what happens when you change the weather conditions.
If this looks familiar, that's because a very similar mod was made for the console version of the game. Not sure that one could spawn giant whales in downtown, though.
Time to add this to the game's custom soundtrack:


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On The Howie Carr Show, GOP-E commentator Ann Coulter shocked some conservatives when she said she is making loser Mitt Romney her favorite for the 2016 Republican contest. She also said that Ted Cruz was awful on immigration. Is she nuts?
* Richard Viguerie on Twitter* ConservativeHQ on Facebook* Conservative TAKEOVER on Facebook
Register to become a ConservativeHQ.com member - click here. If you are already a member, please log-in by clicking here.
ConservativeHQ.com is the online news source for conservatives and Tea Partiers committed to bringing limited government constitutional conservatives to power.


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Our website is brand new, but we would like to slowly start to celebrate some of our success stories!
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Praktické nástroje a pokyny
Age scan (Leeftijdsscan)
- Belgie
- Online questionnaire
Through an online questionnaire, the age scan provides human resources managers with a report on the current and future age demographics of their workforce. Measurable insights into their workforce can be gained, as well as a prediction of how the age profile of that workforce will evolve over time. This allows an organisation to consider its position and the actions it needs to take. This tool can also benchmark an organisation's data against those of another in the same sector.
The motto of this online tool is 'measuring is knowing'. The age scan enables human resources managers to obtain measureable insights into the current and future challenges faced in their organisation in relation to age management (i.e. current age demographics and how they are likely to evolve). The tool can also benchmark an organisation's data against the data of other organisations in the same sector. Users need to register to use the tool, providing details of the organisation.
The tool consists of:
- a questionnaire that can be completed online, including:
- employee statistics (i.e. age, sex);
- 12 questions about 'ageing at work' with multiple-choice answers;
- an automatically generated and downloadable report with tables, graphs and projections;
- benchmark data in each report:
- for all types of organisation (profit, non-profit, public sector);
- for every individual question (in relation to the same type of organisation as their own).
A final report is generated that provides human resources managers with:
- an age pyramid of their current workforce (male/female);
- 5- and 10-year forecasts based on the current situation, with tables and graphs;
- a check of the current climate and policy relating to age and work within the organisation;
- all the items above benchmarked against other organisations within the sector.


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Recovery has been a journey of finding joy for me instead of focusing on the hardship. Life has been a journey of learning to find joy in the Lord every single day, knowing that He never changes even when everything around me changes. For me it's been a journey of finding joy in the Lord, finding fullness and love and grace and forgiveness in Him. And I'm learning to do that every day through little recovery wins and big ones.
In the midst of this journey of learning joy in the Lord every day, I found a blogger named Georgie who is a huge influence and a fun, sweet outgoing introvert. She stood out to me, because she had recovered from an eating disorder.
She would always find ways to share joy with those in the blogging community. She captured beautiful small moments, ones that I often didn't think mattered until I saw how much beauty there was in each little thing. There are ways to find joy each and every day, and they are often unexpected.
I didn't take the time to stop and see the beauty in the small things, to appreciate the puppies God had made, the flowers He had designed, and the brilliant sunsets He paints. I was often so ultra focused on calories or the minutes I'd exercised, and I missed those things.
And that's what Georgie's blog and Instagram taught me, so I thought I would reach out to her and ask her to share about this journey of finding joy in the little things. I asked her how she finds joy everyday in life lessons, from blogging to eating to relationships.
It was awesome, and it was such a joy. I hope you find joy in listening to Georgie and find joy in the gifts you've been given!
Show Notes:
I wanted this to be really real and raw, so I didn't edit most of it, because the sound quality was so good (thanks to Georgie who recorded it for me!).
Some of my favorite posts that have really stood out to me from Georgie, that shine her personality, the lessons she's learned, and the joy she has shared are:
Recovery Is Real: A Letter to My 20 Year old Self
The Real Reason to Embrace the Word 'No.'
Her Fun Recap of What It's Like to Live in London And Get Lost
What It's Really Like to Live at Home For a Year
How My View of Fitness Has Transformed
The Surprise Benefits of Doing Less
Some of Georgie's favorite foods are so simple, and I think you would even find fun ideas on her Instagram or her blog for quick vegetarian meals. My favorite creations of her definitely include her posts of avocado toast and cookie dough.
One of the best things that Georgie has been doing while in London to find joy in every day is discovering the coolest coffee shops. I always want to reach through and have a bite of her scone with her.
To follow Georgie along, friend her on Instagram, and learn more from her about finding joy in little things here are her handles/blog link:
Instagram: @init4thelongrun
Facebook: In It 4 The Long Run
Twitter: @init4thelngrun
I wanted to end this episode/post by sharing some verses on joy that remind me where to find joy everyday.
'Count it all joy, my brothers, when you meet trials of various kinds,' (James 1:2)
'May the God of hope fill you with all joy and peace in believing, so that by the power of the Holy Spirit you may abound in hope.' (Romans 15:13)
'Rejoice in the Lord always; again I will say, Rejoice.' (Philippians 4:4)
'These things have I spoken unto you, that my joy might remain in you, and that your joy might be full.' (John 15:11)
'Whom having not seen, ye love; in whom, though now ye see him not, yet believing, ye rejoice with joy unspeakable and full of glory:' (1 Peter 1:8)
'For the kingdom of God is not a matter of eating and drinking but of righteousness and peace and joy in the Holy Spirit.' Romans 14:17
'"For you shall go out in joy and be led forth in peace; the mountains and the hills before you shall break forth into singing, and all the trees of the field shall clap their hands.' (Isaiah 55:12)
May your day be filled with JOY in little and big things like green donuts, pink donut pans, and fluffy puppies.
God is good. And His grace, His love for us, love for me in Christ endures forever.
Linking up with Amanda to think out loud today about finding joy in the small things!
What gives you joy recently?
How do you find joy in trials?
What sort of little things do you find daily that make you smile?


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There is no good luck in that because at some point, he simply outwits the other gamers. There is only one game where a person can tell himself he obtained fortunate in casino gambling. Casino patrons usually begin their casino gambling occupation by trying their good luck with the vending machine. Also corner store occasionally has own slots for fast bets. The big teaser of one-armed bandit that lures brand-new gamers is the opportunity of winning a big quantity, and even the pot, for simply a little money.
The Casino Gambling Luck
A common casino normally contends the very least a dozen slot makers and even a one-armed bandit lounge. Though individuals don't generally come to a casino simply to play at the ports, they use the devices while waiting for an uninhabited spot in the online poker table or up until their preferred casino video game begins a brand-new round. Data reveal that a night of casino gambling does not end agen casino online without a visit at the slot machines for most casino customers.
The game's objective is to chance upon the winning mix– various combinations differ in the number of payouts. Often, even mixes which are not the same likewise total up to something. Hit the ideal mix and also the player takes residence the jackpot. This, of course, depends upon the system of the one-armed situs casino online indonesia bandit. A player simply has to insert his money in the slot and press the switch to make the reels turn. The fruit machine is the crowd-pleasers amongst all casino games.
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The one-armed bandit is a casino game of chance that possibly requires the number of hopeful and confident reasoning. Clearly, one of the most standard advantages of the vending machine is that it requires no reasoning and effort. The game of slots is extremely enjoyable in its simplexes. This is probably the reason that casino gambling customers remain to buy the slots after several years. Nevertheless, leisure is the main objective of taking part in casino gambling. Further, there is no demand to be a specialist or to have the best impassivity– all that is needed, actually, is pure luck. That one video game is the ports. The one-armed bandit is additionally the many makers in any kind of Las Vegas casino.


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Bensonhurst Dating Game Joe Pesci Netflix
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- Introduction
- The church and its history
- The essence and identity of Christianity
- The history of Christianity
- The primitive church
- The internal development of the early Christian church
- Relations between Christianity and the Roman government and the Hellenistic culture
- Contemporary Christianity
- Christian doctrine
- God the Father
- God the Son
- God the Holy Spirit
- The Holy Trinity
- Anthropology
- The church
- Church tradition
- Eschatology
- Aspects of the Christian religion
- Christian philosophy
- History of the interactions of philosophy and theology
- Christian philosophy as natural theology
- Arguments for the existence of God
- Christian mysticism
- History of Christian mysticism
- Forms of Christian mysticism
- Christian myth and legend
- Christian philosophy
- The Christian community and the world
- The relationships of Christianity
- Church and state
- The history of church and state
- Church and social welfare
- Church and family
- Church and state
- Christian missions
- The history of Christian missions
- Second transition, to ad 1500
- Third transition, to ad 1950
- Protestant missions, 1500–1950
- The history of Christian missions
- Ecumenism
- The relationships of Christianity
Christian perfection
The demand for perfection is frequently repeated in the New Testament and has played a significant role in the history of the faith. In The Gospel According to Matthew, Jesus says to his disciples: "You, therefore, must be perfect, as your heavenly Father is perfect" (5:48). Although this demand may exceed the measure of reasonableness for humans, it is meant literally and is repeated in other parts of the New Testament. The meaning of this claim is recognizable only from the understanding of the human as the image of God and from the apprehension of Christ as the "new Adam." The perfection of believers is the perfection with which they reflect the image of God. This image has been disfigured through willful alienation from the original, but in Christ believers can recover the perfection of the image of God.
The idea of the deification of man, which captures the Greek notion of "partaking" of the divine character, also points in the direction of perfection. Post-Reformation theology, out of anxiety about "mysticism," struck this concept almost entirely from its vocabulary. In the first one and a half millennia of the Christian church, however, the idea of deification—of partaking in God's being—was a central concept of Christian anthropology. Athanasius created the fundamental formula for the theology of deification: "God became man in order that we become God." In the teachings of the early church these words became the basis of theological anthropology. Only the idea of perfection makes understandable a final enhancement of the Christian image of the human—the intensification from "child of God" to "friend of God." This appears as the highest form of communion reached between God and human beings.
More About
Additional Reading
External Websites
- Ancient History Encyclopedia - Christianity
- The Canadian Encyclopedia - Christianity
- Quatr.us - Christianity
- United Religions Initiative - Christianity: Background, Basic Beliefs, and Sacred Texts
- The Catholic Encyclopedia - Christianity
- The History Learning Site - Rome and Christianity
- Jewish Virtual Library - Christianity
- ReligionFacts - Christianity


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English grammar lesson present perfect description for dating
Grammar Lesson of the Month: the Present Perfect with Specific Time - CISL English School Blog
The present perfect shows continuity between a relationship or an action that began in the past Before you continue, review the lesson on the perfect aspect. The present perfect verb tense is a little difficult in English – it is used in several different This lesson will teach you everything you ever wanted to know about the present perfect – try the four quizzes with grammar exercises in each section! . Question Details. Results. Date. Score. Hint. Time allowed. minutes. seconds. The present perfect simple expresses an action that is still going on or that stopped recently, but has an influence on the present. It puts emphasis on the result.
In the guided discovery worksheet I allow them to peer teach each other the adverbials that belong to each tense, and then check students via controlled practice, and review it again in feedback, as needed. Some students make mistakes with the conjunctions: To solve this issue I first make myself aware of their All my learners are different.
My challenge of justly differences. Finally, I create a variety of strategies, Even though this particular class consists of Ukrainian interactions, and exercises that accommodate only speakers, with most of them fluent in both different learning styles as well as unique people at Ukrainian and Russian, they are all special and unique.
To make the classroom safe Students may feel uncomfortable. I will try to make the physical environment as cosy and pleasant as possible by opening windows, prearranging chairs, making sure that there is water, allowing them to snack between classes. Linguistic I will have the students do controlled practice with irregular past participles. My students still make mistakes with irregular past participles. Lewis in his reference: Specifically, he mentions that the term past participle is particularly confusing because it is used for the present perfect.
These past participles can also be I will give them timelines see lesson plan and quite irregular; i. My students mistake simple past and present perfect I will give them a guided discovery worksheet that simple. I use the words, "oh look," "just," and "recently" helps to teach students to stay in the recent past and acknowledge that the action continues to the present. I hope you all are feeling good.
We are going to watch a video. You have 3 minutes. I have been XX for XX years.
I have been water-skiing for 20 years. Everybody grammar in context with understand? What is Alex's sport? Do you think he is Alex still alive? Do you think he is still alive or dead? Do you think Alex will die climbing? How is this text organized? From general to specific or specific to general? Looking at contractions and Intonation Ask: Use examples from text Point out examples on worksheet, elicit from students their own examples.
John hasn't drunk his juice.
Present Perfect Simple - English Grammar
Do you think this happened in the recent past or long ago? Please choose the correct answers by matching. Work in small groups. See attached worksheet - it covers meaning form and pronunciation. Point to diagram A -- a finished past action. Diagram B shows an action that started in the past, continued to the present, and may continue into the future.
A I have skied in France. B I have skied for two years. D I have skied in France. Do we use them for simple past or present perfect?
The day has finished, and present perfect is up to now. I have skied this week? Does Present Perfect mean finished action? Yes — finished up to present 4. Yet - It implies negative — for present perfect. Look at the two tenses again. Are the present perfect and the present perfect progressive pretty much interchangeable? Do the Present perfect simple and present perfect continuous both start in the past and continue to the present? Does the present perfect simple say it might continue and the present perfect continuous state it will continue?
Yes Look at the diagram again: The emphasis is on the two months I have skied in France. Might I be skiing in another place tomorrow? Might I continue skiing for many more years? Is the future important or not? NO The present perfect progressive shows an action that starts in the past, continues to the present, and will definitely continue into the future. Which tense says definitely I will continue skiing? Present Perfect Continuous Look at diagram F. I have skied in France for two months, and I am not leaving.
E I have skied for two months. F I have been skiing for two months. Time Markers for the Present Perfect Progressive: Please use your imagination!
Grammar Lesson of the Month: the Present Perfect with Specific Time
You have 8 builds confidence. Do not tell them to use the two tenses; the role play instructions force them to use these tenses. Read the objective using TL Freer Practice 12 instructions, because the first time you will agree; when you switch your partner collaboratively Ss-ss will disagree to do your extreme sport or sports.
And the second time?English Grammar - Past Simple & Present Perfect
See you all next time. Rebels, riders, drivers, and rock stars love them. To participate, you do not need uniforms, coaches, or scripts. These sportsmen expressing themselves through action — action is their attitude, a way of life, it is even a kind of religion. These activities are categorized into four areas: The earthbound extreme sports include: Water extreme sports include: The third, snow and ice extreme sports are: The fourth and last group of extreme sports is done in the air: Alex Honnard has completed heart stopping climbs and many people say this American is the best free climber in the world.
My family has been worried about me for a long time, but I continue to climb. I have never climbed anything without doing research. Yet this man remains determined to keep climbing. Would you ever like to try this challenge?
Did you call me last evening? Lack of vocabulary 2. Lack of grammar 3. Lack of exposure to real English The first two are obvious. If you don't know vocab or grammar, you won't understand when people speak. However, for those who have taken vocabulary and grammar lessons but still have problems, then focus on problem number three. Native speakers use relaxed pronunciation - https: The examples I gave you showed this. In order to overcome this problem, you need to: Learn about this 2. Listen to everyday English My program will help you.
You'll see lots of examples, how to use it, the difference between the present perfect and past simple, and much more. If you love our videos, please support us at Patreon: Present Perfect Tense vs. Pre-intermediate level grammar Suggested Courses: For example, after elicitations and concept checking questions CCQs.
Summary of English Grammar: Past Simple Approximate chronological order: Past Events — The present perfect simple tense indicates that something happened in the past. We just know it happened in the past some time between the day that you were born until now.
Visual Representation of Example: Been means you went there, and then you left. Have you ever been to America? Mum, have you finished cooking dinner?
Mum, have you finished cooking dinner yet? Function — To talk about finished events where the time is known. How was your date honey? We broke up… — In these examples, although the time is not mentioned, both the boy and his mother know the time of the date.
We just broke up. Be sure to turn on the subtitles if you find it too difficult and watch it times to get the repetition you need! Here are the key phrases that we used: See all our conversations here: The method is simple but highly effective.
And you can do this from anywhere in the world. However, you pause the audio to repeat each phrase so that you can record your own version and compare it with the original. I shared this method with my community the other day, and here is what someone said about it: It was the first time that I heard my voice recorded in English and I realized so many things You'll notice your own mistakes. Then, you can make changes. With shadowing, you can't do this.
You're repeating your mistakes over again. That's why the LRRC method is more powerful. Here are all the benefits of doing this: By recording yourself and comparing the two, you are able to listen to your own mistakes and make changes.
Then, once you are happy with your pronunciation of a particular phrase, repeat it to build fluency. The next time you say this phrase in a conversation, it will just happen naturally. If you commit to this method, then you'll be able to use the phrases you repeat in a flexible way.
Learning the rules won't help you use grammar when speaking. Repetition will get you to this stage. Learning single words is one of the biggest mistakes I see learners make. If I use the simple past I decided to stay home tonightthe decision to stay home sounds like it was made a long time ago. It implies that I made no effort to inform my friend of my change of plans. By using the present perfect I bring my decision closer to the present and thereby soften the disappointing news while easing my guilt.
Verb tenses | Oxford Dictionaries
I meet a friend on the street and she asks me, "Do you want to eat lunch with me? I am telling my friend that I do not want to eat lunch with her today because I just ate. The relationship between the past and present is very strong. Future possibilities Use the present perfect to link a past event with a future action. Another friend calls me and asks me about the new James Bond movie.
The movie continues to play in the local theater and I might go see it. Using the simple past I did not see it would imply that the movie is no longer playing in the theater and my opportunity to see it no longer exists. The present perfect can also link repeated events that began and finished in the past to future possible events. I have visited Mexico four times. The four visits to Mexico are over. However, there is a possibility that I will go there again. For this reason I use the present perfect.
If I was at the end of my life and I was never going to visit Mexico again, I would use the simple past I visited Mexico four times. Present Perfect with Adverbs The present perfect is often used with the following adverbs: Note that yet is placed at the end of the sentence. Has Tom taken his driver exam yet? I know that Tom is getting his driver license.


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Durban - Sharks centre Andre Esterhuizen believes he is starting to build a strong understanding with midfield partner Lukhanyo Am.
While Esterhuizen has built up a reputation over the past couple of seasons as one of the strongest runners in the country, Am is enjoying a breakthrough season with the Sharks this year having put in some impressive performances in the opening three rounds of Super Rugby fixtures.
Esterhuizen and Am have started all of those matches together at 12 and 13, respectively, but the combination may be temporarily put on hold this week with the Sharks expected to rest a number of first-choice players for their clash against the Kings in Durban on Saturday.
The pair also played together for most of last year's Currie Cup, but Esterhuizen believes they are only now starting to gel.
"Luke (Lukhanyo) is a very good player. He came back last year for the Currie Cup and since then we've been playing together and it's been nice," Esterhuizen said.
"We're only now starting to find each other. He is a great guy to have in your team and he's working really hard.
"If we didn't play that Currie Cup together we wouldn't be where we are now. He knows what I'm going to do and I know what he's going to do and it makes it a lot better."
Am has impressed with ball in hand as well as on defence, while Esterhuizen has picked up where he left off in 2016.
One of the form centres in South Africa last year, a path to the Springbok set-up for the 22-year-old Esterhuizen still looks a difficult one with the likes of Rohan Janse van Rensburg and Damian de Allende (currently injured) being favoured.
"Hopefully we as a team can go far in this competition and if the team does well that's when you get seen. I think everyone's goal is to be selected for the Springboks and we're all working hard for that. Hopefully one day I can achieve that," he said.
"It's been a great start of the season for us but it's still the beginning and there is a long way to go. The guys are looking positive."
Saturday's match kicks off at 19:30.
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5 talking points: 2019 Super Rugby season
How will the Springboks fare at this year's Rugby World Cup in Japan?
Pool elimination
Losing quarter-finalists
Losing semi-finalists
Losing bronze medalists
Bronze medal winners
Losing finalists
Overall winners!
Think you know your Super Rugby? Maybe so ... but can you name the top tryscorers of all time?


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5 Days Yoga holidays with Yala safari
- Saraii Village eco-hotel
- Weerawila, Sri Lanka
- Ongoing
Event Highlights
- *4-nights private accommodation in a unique and beautiful tree-house
- *daily delicious meals, fresh fruits and juices, tea/coffee and drinking king coconuts
- *4 Daily morning and evening yoga and meditation sessions, max size of the group 4 persons
- *a Safari to Yala National Park
- *a bird's watching boat tour
- *one deeply relaxing full-body massage
- one special breakfast by the lake
ScheduleFor your daily morning and evening practices you can choose between different yoga styles and meditative techniques under the guidance of your experienced teacher. Our small groups have a minimum of 1 person and a maximum of 4 participants. You may be lucky to even receive a one-on-one session.
A daily variety of meditative techniques, such as the traditional Buddhist meditation Anapanasati, dynamic kundalini yoga or a special anti-stress meditation is practiced outdoors: in our open shala, by the lake or on the deck of your tree-house.
For the ultimate bliss: a deeply-relaxing traditional Ayurvedic full-body massage is included to help you release stress from your mind and body.
Day 1
Check-in Saraii Village, introduction talk
Evening yoga and meditation session
Day 2
Morning yoga and meditation session
Ayurvedic massage
Yoga and meditation session
Bird-watching boat tour
Day 3
Morning yoga and meditation session
Evening yoga and meditation session
Day 4
Morning yoga and meditation session
Safari to the Yala National Park
Evening meditation
Day 5
Morning yoga and breakfast by the lake
Check-out time 11AM
About This Event
We invite you to connect to the beautiful nature of Sri Lanka and your peaceful inner-self. Relax and energise in a small circle of daily yoga practices and gentle meditation. In an healing environment, defined by native birds sounds and stunning views of luscious king coconut palm trees, you can easily let go … Anna's teaching expertise and customised yoga styles for various levels awaits you.
Nurture yourself with the sweet flavours of fresh fruits and vegetables, taste the exotic spices of Lankan local cuisine and learn about the ancient wisdom of Ayurveda, that is deeply rooted in the Sri Lankan culture. Experience the fascinating flora and fauna on walks, by the lakes and of course during our safari trip. The island's renowned Yala National Park offers pristine nature and amazing wildlife where elephants, buffalos, crocodiles and - if you are lucky - even leopards can be watched closely. Treat yourself to 5 enjoyable days for your body, mind, soul and inspiration in nature.
"Harmony in my mind, with open heart, respect to my body and a lot of love to this beautiful World" Jennifier Murphy
Venue HighlightsSaraii Village is an eco-friendly hotel, famous for it's unique tree-houses - the biggest in Sri Lanka.Far away from the main tourists treks, nested in a rural area among the green rice fields and beautiful lakes. Perfect spot for you to explore authenticity of local life and beauty of wild nature. Eco-based activities are numerous here: safari to Yala national Park, birds watching, boat ride to the Tissa lake. A vibrant culture and history of the island is represented here as well. Kataragama holly town - one of the most important pilgrimage place for SriLankan,- just 30 minutes drive from Saraii Village. Ancients temples and ruins, forest monasteries - rich Buddhist heritage to explore.
AccommodationsYou will stay in your private tree-house suite. There is a bedroom and bathroom on the second floor and huge lounge area on the first. The space is open for refreshing breeze, colors and sounds of the surrounding nature. Toiletries, towels, bottled water, tea\coffee are provided, daily housekeeping services.
- Free Wifi
- Spa
- Pool
- Towels
- Free Parking
- Tour Assistance
- Coffee/Tea
- Restaurant
- Yoga Studio
- Bicycles For Rent
Menu Types
- Vegan
- Vegetarian
- Meat
- Organic
Menu/CuisineWe serve daily delicious SriLankan and Western meals, fresh fruits and juices, tea, coffee and drinking king coconuts. On our final morning at Saraii you get treated to a special breakfast by the lake.
DirectionsA drive from Bandaranayke International airport to Saraii Village will take around 6 hours by taxi and will cost 130USD. Please, contact us and share your travel plans, so we can assist you and recommend the best way, how to reach us!
ReviewsWrite a review - tell others about your experience.
Thank you!
We're glad you've joined our retreat community. See you around :)Return to my event ×


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Troops was started in 2015 with the goal of improving the ways in which customers manage information on their customers, revenue and pipeline in order to help them drive growth and digital transformation. . In order to do that effectively, Troops needed to ingest relevant data from critical business systems including, but not limited to, the CRM ecosystem such as Salesforce, calendar and scheduling systems such as Google Calendar, Gmail and other data sets that are core to a company's operations. From there, Troops applies codified business processes to this data in order to deliver real-time, intelligent, and actionable alerts to help improve things like sales pipeline manage, customer success management, real-time micro coaching, management oversight, and more.
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Education & Community Serviceshttp://cavecreek.ce.eleyo.com/courses2019-12-11T04:07:38-07:00ECS Community Prevention Forum: Internet Safety for Parents CSHShttp://cavecreek.ce.eleyo.com/course/1019/school-year-2019-2020—2/ecs-community-prevention-forum-internet-safety-for-parents-cshs2019-10-24T11:59:00-07:00
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By registering for this forum, your R.S.V.P. will be submitted. Thank you for your interested.
FocusedKids Parent Presentationhttp://cavecreek.ce.eleyo.com/course/1020/school-year-2019-2020—2/focusedkids-parent-presentation2019-11-19T11:59:00-07:00
Dear CCUSD parents,

 Please join us for a short presentation on the FocusedKids program. All preschool classrooms and various Kindergarten through first grade classrooms in the CCSUD are learning about their brains and how to be in charge of them! See what they are learning and how they are using it to develop the self-regulation skills that are foundational to other learning. Meet the brain parts:
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Amygdala (Guard Dog)
Guess which one is in charge most of the time in the 3-4 year-old brain?
Now, guess which one can help with meltdowns, resilience, and learning?
Join us for this fun lesson in neurodevelopment and how to support healthy brain growth in children from grades PreK-3. Your kids love this stuff, and so will you! Childcare provided. In the registration notes, please note the family member names that will be attending and the ages of the children who need childcare.
11/19/19 - 6:30-7:30 p.m. - District Office, Governing Board Room - Fee: $36 per family.
Self-Defense for Teens & Adults CSHS Springhttp://cavecreek.ce.eleyo.com/course/1060/school-year-2019-2020—2/self-defense-for-teens-adults-cshs-spring2019-12-06T11:59:00-07:00
"Self-Defense" is the learning of self-awareness, intelligent decision making combined with interpersonal combative skills for individuals. Learn practical and intelligent skills that promote integrity, respect, focus, discipline, self-control and improve your self-confidence. These skills can also help to improve physical fitness, mental health and well being and possibly save a life.

Over a six week period, this course will cover practical concepts and principles of how to apply science and psychology to real world, interpersonal, combative scenarios. These skills can be adapted to both men and women of all ages regardless of experience or physiology. Individuals will learn how to recognize pre-contact threat cues, fear management skills, confrontation management control tactics, defensive strategies and force delivery techniques. Give yourself the opportunity to become more aware and more confident!


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Karolina Pliskova
Barty toppled from world No.1 ranking
Australian tennis star Ashleigh Barty's eight-week reign as the WTA's No.1 player in the world is over.
'Scared' Osaka powers into Open final
Naomi Osaka has downed Czech heavyweight Karolina Pliskova in three sets to qualify for her second consecutive gran slam final after claiming the US Open last year.
Tennis world split on foot fault controversy
Serena Williams was pinned for a contentious foot fault while serving for the match against Karolina Pliskova, and fans are split down the middle.
Williams' telling revelation about shock loss
Serena Williams claims she didn't choke in her incredible third-set capitulation to Karolina Pliskova before revealing one part of her game that hasn't quite returned in her comeback.
Williams crumbles with match at her mercy
Serena Williams has crumbled after leading 5-1 in the third set, capitulating to a shock quarter-final loss to Czech big hitter Karolina Pliskova.
Pliskova latest star to crash at Wimbledon
No top-10 player has made the Wimbledon quarter-finals, with seventh seed Karolina Pliskova the latest star to bow out at The All England Club.
Crook call prompts fury at Italian Open
Sixth seed Karolina Pliskova took out her frustrations on the umpire's chair after a contentious line call when bowing out of the Italian Open.
Tennis world pays tribute to Novotna
The global tennis community has lined up on social media to pay tribute to Jana Novotna, following her shock passing after a long battle with cancer on Monday.
US Open: men's and women's hopes 2017
There are plenty of contenders in both the men's and women's draw for the US Open at Flushing Meadows, including a couple of well-known Aussies.
Aussie hopes sink with Gavrilova
Daria Gavrilova was unable to match the firepower of Karolina Pliskova in their fourth-round clash, with the Australian tipping the Czech to go all the way.


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Brand : NACHI
Bore Diameter (mm) : 17
Outer Diameter (mm) : 35
Width (mm) : 10
Bearing dimensions and specification in NACHI catalogue:
d - 17 mm
D - 35 mm
B - 10 mm
C - 10 mm
Angle (α) - 30 °
a - 2.5 mm
r min. - 0.3 mm
r1 min. - 0.15 mm
da min. - 19 mm
Da max. - 33 mm
ra max. - 0.3 mm
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Basic dynamic load rating (C) - 6,4 kN
Basic static load rating (C0) - 3,8 kN
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(Oil) Lubrication Speed - 22000 r/min
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