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The USA's Online Mind, Body and Spirit Events Wizard
Terms and Conditions
This page (together with the documents referred to on it) tells you the terms of use on which you may make use of our website www.merlinsdiary.com(our site), whether as a guest or a registered user. Please read these terms of use carefully before you start to use the site. By using our site, you indicate that you accept these terms of use and that you agree to abide by them. If you do not agree to these terms of use, please refrain from using our site.
www.merlinsdiary.com s a site operated by mind body spirit coaching and publishing partnership The Art of Change of East Sussex, The United Kingdom.
Access to our site is permitted on a temporary basis, and we reserve the right to withdraw or amend the service we provide on our site without notice (see below). We will not be liable if for any reason our site is unavailable at any time or for any period.
From time to time, we may restrict access to some parts of our site, or our entire site, to users who have registered with us.
If you choose, or you are provided with, a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and you must not disclose it to any third party. We have the right to disable any user identification code or password, whether chosen by you or allocated by us, at any time, if in our opinion you have failed to comply with any of the provisions of these terms of use.
When using our site, you must comply with the provisions of our acceptable use policy (See Acceptable Use Policy). You are responsible for making all arrangements necessary for you to have access to our site. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms, and that they comply with them.
We are the owner or the licensee of all intellectual property rights in our site, and in the material published on it that directly relates to www.merlinsdiary.com. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.
You may print off copies, and may download extracts, of any page(s) from our site for your personal reference or to promote events to others and you may draw the attention of others within your organisation to material posted on our site.
You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way without the event organiser's express written permission, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.
Our status (and that of any identified contributors) as the authors of material on our site must always be acknowledged.
You must not use any part of the materials on our site for commercial purposes without obtaining a licence to do so from us or our licensors.
If you print off, copy or download any part of our site in breach of these terms of use, your right to use our site will cease immediately and you must, at our option, return or destroy any copies of the materials you have made.
We aim to update our site regularly, and may change the content at any time. If the need arises, we may suspend access to our site, or close it indefinitely.
The material displayed on our site is provided without any guarantees, conditions or warranties as to its accuracy. To the extent permitted by law, we, other members of our group of companies and third parties connected to us hereby expressly exclude:
- All conditions, warranties and other terms which might otherwise be implied by statute, common law or the law of equity.
- Any liability for any direct, indirect or consequential loss or damage incurred by any user in connection with our site or in connection with the use, inability to use, or results of the use of our site, any websites linked to it and any materials posted on it, including, without limitation any liability for:
- loss of income or revenue;
- loss of business;
- loss of profits or contracts;
- loss of anticipated savings;
- loss of data;
- loss of goodwill;
- wasted management or office time; and for any other loss or damage of any kind, however arising and whether caused by tort (including negligence), breach of contract or otherwise, even if foreseeable.
This does not affect our liability for death or personal injury arising from our negligence, nor our liability for fraudulent misrepresentation or misrepresentation as to a fundamental matter, nor any other liability which cannot be excluded or limited under applicable law.
We process information about you in accordance with our privacy policy (See Privacy Policy). By using our site, you consent to such processing and you warrant that all data provided by you is accurate.
Whenever you make use of a feature that allows you to upload material to our site, or to make contact with other users of our site, you must comply with the content standards set out in our acceptable use policy(See Acceptable Use Policy). You warrant that any such contribution does comply with those standards, and you indemnify us for any breach of that warranty.
Any material you upload to our site will be considered non-confidential and non-proprietary, and we have the right to use, copy, distribute and disclose to third parties any such material for any purpose. We also have the right to disclose your identity to any third party who is claiming that any material posted or uploaded by you to our site constitutes a violation of their intellectual property rights, or of their right to privacy.
We have the right to remove any material or posting you make on our site if, in our opinion, such material does not comply with the content standards set out in our acceptable use policy (See Acceptable Use Policy).
You must not misuse our site by knowingly introducing viruses, trojans, worms, logic bombs or other material which is malicious or technologically harmful. You must not attempt to gain unauthorised access to our site, the server on which our site is stored or any server, computer or database connected to our site. You must not attack our site via a denial-of-service attack or a distributed denial-of service attack.
By breaching this provision, you would commit a criminal offence under the Computer Misuse Act 1990. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use our site will cease immediately.
We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of our site or to your downloading of any material posted on it, or on any website linked to it.
You may link to our home page, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it, but you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.
You must not establish a link from any website that is not owned by you.
We reserve the right to withdraw linking permission without notice. The website from which you are linking must comply in all respects with the content standards set out in our acceptable use policy (See Acceptable Use Policy).
If you wish to make any use of material on our site other than that set out above, please address your request to a firstname.lastname@example.com.
The English courts will have non-exclusive jurisdiction over any claim arising from, or related to, a visit to our site These terms of use are governed by English law.
We may revise these terms of use at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we made, as they are binding on you. Some of the provisions contained in these terms of use may also be superseded by provisions or notices published elsewhere on our site.
If you have any concerns about material which appears on our site, please contact email@example.com.
Thank you for visiting our site.
This acceptable use policy sets out the terms between you and us under which you may access our website www.merlinsdiary.com(our site). This acceptable use policy applies to all users of, and visitors to, our site.
Your use of our site means that you accept, and agree to abide by, all the policies in this acceptable use policy, which supplement our terms of website use (See Terms Of Use Policy).
You may use our site only for lawful purposes. You may not use our site:
In any way that breaches any applicable local, national or international law or regulation.
In any way that is unlawful or fraudulent, or has any unlawful or fraudulent purpose or effect. For the purpose of harming or attempting to harm minors in any way.
To send, knowingly receive, upload, download, use or re-use any material which does not comply with our content standards.
To transmit, or procure the sending of, any unsolicited or unauthorised advertising or promotional material or any other form of similar solicitation (spam).
To knowingly transmit any data, send or upload any material that contains viruses, Trojan horses, worms, time-bombs, keystroke loggers, spyware, adware or any other harmful programs or similar computer code designed to adversely affect the operation of any computer software or hardware.
You also agree:
- Not to reproduce, duplicate, copy or re-sell any part of our site in contravention of the provisions of our terms of website use (See Terms Of Use Policy).
- Not to access without authority, interfere with, damage or disrupt:
- any part of our site;
- any equipment or network on which our site is stored;
- any software used in the provision of our site; or
- any equipment or network or software owned or used by any third party.
We may from time to time provide interactive services on our site, including, without limitation:
- Chat rooms.
- Bulletin boards.
- (interactive services).
Where we do provide any interactive service, we will provide clear information to you about the kind of service offered, if it is moderated and what form of moderation is used (including whether it is human or technical).
We will do our best to assess any possible risks for users (and in particular, for children) from third parties when they use any interactive service provided on our site, and we will decide in each case whether it is appropriate to use moderation of the relevant service (including what kind of moderation to use) in the light of those risks. However, we are under no obligation to oversee, monitor or moderate any interactive service we provide on our site, and we expressly exclude our liability for any loss or damage arising from the use of any interactive service by a user in contravention of our content standards, whether the service is moderated or not.
The use of any of our interactive services by a minor is subject to the consent of their parent or guardian. We advise parents who permit their children to use an interactive service that it is important that they communicate with their children about their safety online, as moderation is not foolproof. Minors who are using any interactive service should be made aware of the potential risks to them.
Where we do moderate an interactive service, we will normally provide you with a means of contacting the moderator, should a concern or difficulty arise.
These content standards apply to any and all material which you contribute to our site (contributions), and to any interactive services associated with it.
You must comply with the spirit of the following standards as well as the letter. The standards apply to each part of any contribution as well as to its whole.
Contributions must:
- Be accurate (where they state facts).
- Be genuinely held (where they state opinions).
- Comply with applicable law in the USA and in any country from which they are posted.
Contributions must not:
- Contain any material which is defamatory of any person.
- Contain any material which is obscene, offensive, hateful or inflammatory.
- Promote sexually explicit material.
- Promote violence.
- Promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age.
- Infringe any copyright, database right or trade mark of any other person.
- Be likely to deceive any person.
- Be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence.
- Promote any illegal activity.
- Be threatening, abuse or invade another´s privacy, or cause annoyance, inconvenience or needless anxiety.
- Be likely to harass, upset, embarrass, alarm or annoy any other person.
- Be used to impersonate any person, or to misrepresent your identity or affiliation with any person.
- Give the impression that they emanate from us, if this is not the case.
- Advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.
We will determine, in our discretion, whether there has been a breach of this acceptable use policy through your use of our site. When a breach of this policy has occurred, we may take such action as we deem appropriate.
Failure to comply with this acceptable use policy constitutes a material breach of the terms of use (See Terms Of Use Policy) upon which you are permitted to use our site, and may result in our taking all or any of the following actions:
- Immediate, temporary or permanent withdrawal of your right to use our site.
- Immediate, temporary or permanent removal of any posting or material uploaded by you to our site.
- Issue of a warning to you.
- Legal proceedings against you for reimbursement of all costs on an indemnity basis (including, but not limited to, reasonable administrative and legal costs) resulting from the breach.
- Further legal action against you.
- Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.
We exclude liability for actions taken in response to breaches of this acceptable use policy. The responses described in this policy are not limited, and we may take any other action we reasonably deem appropriate.
We may revise this acceptable use policy at any time by amending this page. You are expected to check this page from time to time to take notice of any changes we make, as they are legally binding on you.
Some of the provisions contained in this acceptable use policy may also be superseded by provisions or notices published elsewhere on our site.
The Art of Change partnership ("We") are committed to protecting and respecting your privacy. This policy (together with our terms of use (See Terms Of Use Policy) and any other documents referred to on it) sets out the basis on which any personal data we collect from you, or that you provide to us, will be processed by us. Please read the following carefully to understand our views and practices regarding your personal data and how we will treat it.
For the purpose of the Data Protection Act 1998 (the Act), the data controller is The Art of Change, Bramble Corner, Park Road, Forest Row, East Sussex UK RH18 5BX.
[Our nominated representative for the purpose of the Act is Barry Durdant-Hollamby)
We may collect and process the following data about you:
Information that you provide by filling in forms on our site www.merlinsdiary.com(our site). This includes information provided at the time of registering to use our site, subscribing to our service, posting material or requesting further services. We may also ask you for information when you enter a competition or promotion sponsored by www.merlinsdiary.com, and when you report a problem with our site.
If you contact us, we may keep a record of that correspondence.
We may also ask you to complete surveys that we use for research purposes, although you do not have to respond to them.
Details of transactions you carry out through our site and of the fulfilment of your orders.
Details of your visits to our site [including, but not limited to, traffic data, location data, weblogs and other communication data, whether this is required for our own billing purposes or otherwise] and the resources that you access.
We may collect information about your computer, including where available your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users' browsing actions and patterns, and does not identify any individual.
For the same reason, we may obtain information about your general internet usage by using a cookie file which is stored on the hard drive of your computer. Cookies contain information that is transferred to your computer's hard drive. They help us to improve our site and to deliver a better and more personalised service. They enable us:
- To estimate our audience size and usage pattern.
- To store information about your preferences, and so allow us to customise our site according to your individual interests.
- To speed up your searches.
- To recognise you when you return to our site.
You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of our site. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to our site.
Please note that our advertisers may also use cookies, over which we have no control.
All information you provide to us is stored on our secure servers. Any payment transactions are conducted through Paypal or RBS Worldpay and therefore will be encrypted using SSL technology. Where we have given you (or where you have chosen) a password which enables you to access certain parts of our site, you are responsible for keeping this password confidential. We ask you not to share a password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. Athough we will do our best to protect your personal data, we cannot guarantee the security of your data transmitted to our site; any transmission is at your own risk. Once we have received your information, we will use strict procedures and security features to try to prevent unauthorised access.
We use information held about you in the following ways:
- To ensure that content from our site is presented in the most effective manner for you and for your computer.
- To provide you with information, products or services that you request from us or which we feel may interest you, where you have consented to be contacted for such purposes.
- To carry out our obligations arising from any contracts entered into between you and us.
- To allow you to participate in interactive features of our service, when you choose to do so.
- To notify you about changes to our service.
We may also use your data, or permit selected third parties to use your data, to provide you with information about goods and services which may be of interest to you and we or they may contact you about these by post or telephone.
If you are an existing customer, we will only contact you by electronic means (e-mail or SMS) with information about goods and services similar to those which were the subject of a previous sale to you.
If you are a new customer, and where we permit selected third parties to use your data, we (or they) will contact you by electronic means only if you have consented to this.
If you do not want us to use your data in this way, or to pass your details on to third parties for marketing purposes, please tick the relevant box situated on the form on which we collect your data.
We do not disclose information about identifiable individuals to our advertisers, but we may provide them with aggregate information about our users (for example, we may inform them that 500 men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, women in Manhattan). We may make use of the personal data we have collected from you to enable us to comply with our advertisers' wishes by displaying their advertisement to that target audience.
We may disclose your personal information to any member of our group, which means our subsidiaries, our ultimate holding company and its subsidiaries, as defined in section 736 of the UK Companies Act 1985.
We may disclose your personal information to third parties:
- In the event that we sell or buy any business or assets, in which case we may disclose your personal data to the prospective seller or buyer of such business or assets.
- If The Art of Change or substantially all of its assets are acquired by a third party, in which case personal data held by it about its customers will be one of the transferred assets.
- If we are under a duty to disclose or share your personal data in order to comply with any legal obligation, or in order to enforce or apply our terms of use (See Terms Of Use Policy) and other agreements; or to protect the rights, property, or safety of The Art of Change, our customers, or others. This includes exchanging information with other companies and organisations for the purposes of fraud protection and credit risk reduction.
You have the right to ask us not to process your personal data for marketing purposes. We will usually inform you (before collecting your data) if we intend to use your data for such purposes or if we intend to disclose your information to any third party for such purposes. You can exercise your right to prevent such processing by checking certain boxes on the forms we use to collect your data. You can also exercise the right at any time by contacting us at Bramble Corner, Park Road, Forest Row, East Sussex UK RH18 5BX.
Our site may, from time to time, contain links to and from the websites of our partner networks, advertisers and affiliates. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to these websites.
The Act gives you the right to access information held about you. Your right of access can be exercised in accordance with the Act. Any access request may be subject to a fee of £10 to meet our costs in providing you with details of the information we hold about you.
Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail.
Questions, comments and requests regarding this privacy policy are welcomed and should be addressed to Bramble Corner, Park Road, Forest Row, East Sussex RH18 5BX, The UK or email@example.com.


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Welcome to the Law Office of Brad M Pacheco, LLC
Our law firm's pledge is to provide excellent service in the areas of personal injury law, real estate law and criminal law.
In today's competitive and complicated legal environment, you must have an attorney who is experienced, knowledgeable, and capable. With the understanding that each and every client is important, both Brad and his support staff are accessible, responsive, and resourceful. We serve clients in Lowell, Chelmsford, Lawrence, Andover and surrounding areas of Massachusetts, as well as the state of New Hampshire.
Our mission at the Law Office of Brad M Pacheco, LLC is to provide the best legal services possible to each of our clients.
Communication is an extremely important factor in any attorney-client relationship. We keep in constant contact with our clients and make ourselves available so they stay informed about the status of their case. This is the key to a successful law practice and keeping clients satisfied at all times. We work tirelessly to ensure the best possible outcome is secured for all of our clients.
We are currently accepting new clients and would be happy to discuss your legal matter with you. If we may be of any assistance to you or a family member or friend, please feel free to contact us by phone, e-mail or through this website. We offer FREE and confidential 30 minute consultations to prospective clients.
In the event you are unable to visit the office, Brad and/or a member of his staff will visit with you at your home, place of work or accommodate another convenient meeting place of choice.

subset: commoncrawl


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The Wanaque location of Braen Supply features a complete, 6,000-square-foot hardware department. This department carries an extremely wide assortment of items including, but certainly not limited to:
- Tools and Related Items (Shovels, Nuts, Bolts, Hammers, etc.)
- Electrical & Lighting Supplies (Conduits, etc.)
- Drainage Supplies (PVC, SCH40, SDR35, Fittings, etc.)
- Landscape & Masonry Supplies (Cement, Seed, Fertilizer, Hay, etc.)
- Paver and Stone Cleaning Supplies
- Paver and Stone Sealants
- Seasonal Maintenance Items (Leaf Bags, Rock Salt, Rakes, etc.)
- Weber® Grills
- Sona Tubes
- DiamondBlades and Carbides
- Landscape Fabrics
- Geotextiles and Stabilization Fabrics
Should you require a specific item that we do not regularly carry in stock, we have the capability to order what you need.
Braen Supply Locations & Operating Hours
About this location:
Our Wanaque location offers a full showroom, retail products and wholesale items for all of your landscape, masonry and hardware needs.
Phone number and address:
Homeowner Sales Counter: 973-835-1447
Contractor Express Counter: 973-835-1419
1434 Ringwood Ave. Wanaque, NJ
Hours of operation:
Monday: 7 a.m. - 4:30 p.m.
Tuesday: 7 a.m. - 8 p.m.
Wednesday - Friday: 7 a.m. - 4:30 p.m.
Saturday: 7 a.m. – 3 p.m.
Sunday: Closed
About this location:
This location offers ONLY wholesale products. Please only visit Haledon if you are a looking for bulk pickups larger than 15 tons.
Phone number and address:
Homeowner Sales Counter: 973-835-1447
Contractor Express Counter: 973-835-1419
400-402 Central Ave. Haledon, NJ
Hours of operation:
Monday – Friday: 7 a.m. – 4:30 p.m.
Saturday: 7 a.m. - 1 p.m.
Sunday: Closed


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Become A Driving Instructor
Train to become a driving instructor, with Birmingham's largest driving school.
Looking to start a rewarding career? You're in the right place!
Over the past ten years, we've helped hundreds of people to take control of their working hours, and make the money they deserve - by becoming a driving instructor!
Here's just a few of the reasons people choose to become a driving instructor:
• Be your own boss.
• Dictate your own working hours
• Earn an average of £700 per week
• Meet new people every day
• Help people achieve their goals and improve their lives
• Guaranteed position with our company after qualifying
Our instructor training courses start from just £1600.00, and with our fast track course options, you could be teaching pupils (and earning) in a matter of weeks!
For all potential driving instructors who train with us, we offer a guaranteed franchise and PDI training route, which means that you can start teaching/earning quicker, and have a secure position in our company upon qualifying!
With over 20 years experience we boast one of the UK's most highly qualified and respected instructor trainers, so be assured, you're in safe hands!
Why not ask a few of our instructors:
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DriversGB for my Part 2 & 3 training.
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fantastic instructor -
he has the patience of a saint,
and always makes time for me."
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"Thanks to John and the guys, I passed
I am now working full time
Bob Evans
Want to know more about how the course works, and what it takes to get qualified? Click here!


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Our beloved planet is 71% water. 1.36 billion cubic kilometers of it is ocean, but of the small percentage of water that strikes land on coastlines, these currents not only make waves, but create a beautiful, human connection back on land. Surfing is one part water sport, one part cultural fellowship.
The avid thrill-seekers and volunteers at WAVES for Development view surfing as a way to not only enjoy nature but also give back to the land and people who make it possible.
The nonprofit organization was created by international and local surfers on the beaches of northern Peru in 2004. WAVES aims to blur the lines between travel and volunteerism through educational and entrepreneurial programs that enrich local youth, and share the excitement of surfing.
Illumine Collect is a lifestyle apparel company that shares this same dedication of giving and helping others.
That is why Illumine Collect is proud to partner up with WAVES, and will donate 20% of each sale
to support their great mission.


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Monthly Archives: April 2018
CAMP PERRY, Ohio – The Civilian Marksmanship Program (CMP) has released its 2018 schedule for Petrarca Range on the grounds of Camp Perry – a public gun range which features electronic targets designed to withstand both rifle and pistol firing. [caption id="attachment_15514" align="alignleft" width="300"] Competitors on Petrarca Range are shielded from the elements by an overhead...Read more
By Ashley Brugnone, CMP Writer The Civilian Marksmanship Program's (CMP) annual 3P Regional air rifle events were recently fired throughout the month of April, with over 450 talented junior athletes vying to qualify for the National Championship in June. Each Regional match is a 3x20 (three-position) air rifle competition, where sporter and precision class athletes...Read more
By Ashley Brugnone, CMP Writer A complete schedule for the Civilian Marksmanship Program's (CMP) fresh lineup of smallbore rifle events at the 2018 National Matches is now accessible through the CMP website. In addition to an event schedule, the 2018 CMP Smallbore Rifle Competition Rules is also available for viewing online. Smallbore competitions have been slotted into...Read more
By Ashley Brugnone, CMP Writer SANDY, Utah – The Civilian Marksmanship Program (CMP) invites bystanders and curious guests to explore the remarkable world of air rifle competition April 5-7, 2018, as hundreds of coaches, competitors and spectators arrive in the Sandy area for the 2018 CMP 3P Regional Air Rifle Championships, held at the Mountain America...Read more


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Give the gift of HATisfaction® that can be used BOTH in store or online.
E-mail firstname.lastname@example.com if you require different dollar amounts amounts. FREE USPS SHIPPING when you choose *PICK UP AT STORE*
All our hats are made by hand in our Greeley, Colorado location. All our hats (shapes, designs, etc.) only show suggestions. The options and possibilities are endless. We are only limited by your budget and time frame. Feel free to mix and match. Take designs and shapes from Classic, Competitor, Beaver20, Beaver Blend, Pure Beaver, and Tycoon. Mix different crowns and brims. But, maybe your ready to look at the next tab.
Decided that you like this hat, but want it with a different design or as a custom fit? We can do that! Just send us an email with your thoughts and we can put them into action.
If you are wanting to do this hat as a custom fit for your head and you are not able to stop by our Greeley, Colorado location or any of our Retail Partners, we can still get one made for you. We just need a couple pieces of information:
Once we have that information from you, we will be in contact to finalize your HATisfaction!
Let one of our experts personally help you find and customize exactly what you're looking for:
Monday-Friday 10:00 AM - 5:30 PM
Saturday 9:00 AM - 1:00 PM
Sunday Closed
Store times are Mountain Standard


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This site is now read-only. You can find our new documentation site and support forum for posting questions here.
Be sure to read our welcome blog!
Using protected Queue code in open source package (Biopet)
Last week I did have a chat with @Geraldine_VdAuwera in Edinburgh about our split licence in our project. This only because we rely on some protected code of the queue extensions of the GATK walkers. To prevent problems I did split out repository in public and protected just like you are doing in GATK 3 right now. This prohibit us to distribute our jar.
Out repository is available here: https://github.com/biopet/biopet
This is the module that causes the problem:
<dependency> <groupId>org.broadinstitute.gatk</groupId> <artifactId>gatk-queue-extensions-distribution</artifactId> <version>3.5</version> </dependency>
We don't include GATK itself in our project, the user should download this themselves and supply this in a config file.
It would be better to get rid of this split licence so we can get full open source. This also allows of to distribute our jar. As discussed with @Geraldine_VdAuwera it might be possible to get permission to use the protected modules in our public code. Before I do this I would like a explicit permission from Broad to do this to prevent any law issues.
So would it be possible to get this permission? Thanks already for looking into this.
Best Answer
Geraldine_VdAuwera Cambridge, MA admin
Thanks @pjvthof. I'll contact you by email to continue the conversation.
Hi @pjvthof,
I'm still in the middle of the Oxford workshop so I can't yet look at your question in detail, but will do so when I'm back in Boston later this week.
In preparation for that, can I ask you to please clarify the following: do you need to be able to distribute the protected code, the jar file, or both?
As things stand we have a clear path to allowing you to distribute the jar file; that is fairly straightforward due to recent developments as we discussed last week in Edinburgh. Distributing protected code is a much more thorny issue. If what I remember of what you wanted to do is correct, we may need to seek a technical workaround -- in any case we will do what we can to help.
The protected code of GATK is only needed once to install the compiled jars in a local maven repository because the GATK modules are not in a public maven repository as far as I know. This is only required as a developer and for this we use: https://github.com/broadgsa/gatk-protected
This means that the code itself will be not included when distributing. All that non-developers need is the jar file of Biopet. This jar will include the modules of GATK where it depends on. The source code of GATK will be not distributed as a jar and is not included in our git repository.
Thanks @pjvthof. I'll contact you by email to continue the conversation.


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Servicios Personalizados
Links relacionados
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Psychology in Society
versión On-line ISSN 2309-8708
versión impresa ISSN 1015-6046
RATELE, Kopano y LAUBSCHER, Leswin. Making white lives: neglected meanings of whiteness from apartheid South Africa. Psychol. Soc. [online]. 2010, n.40, pp.83-99. ISSN 2309-8708.
In South Africa, as in other parts of the world, where race was positioned as the fulcrum on which power balances, whiteness seems to have maintained its defining weight. Even after dramatic political changes, whiteness in South Africa seems to continue to determine privilege and desirability. In this article, which analyses material from two archival sources, we consider some of the meanings of, and processes that went into, whiteness as a dominant category of identity and white life as desirable standard. The narratives and cases selected for analysis are not representative of the universe of meaning vis-à-vis whiteness, but are taken to be instructive as to how we might go about looking at whiteness as critical readers and psychologists sensitive to historical, economic and socio-political contexts. In an effort to complicate notions of privilege, dominance and whiteness - and to do so by means of an archive, with sensitivity to dynamics broader than the economic or the structural - the article focuses on the historical constitution and habitation of whiteness in South Africa to uncover and articulate some neglected meanings of whiteness, then and now. The stories of whiteness and white life under apartheid illustrate how these dynamics were fixed in place, insinuated into daily life, and defended against other forms of racial being. At the same time, the article shows how constructions of whiteness and being White were, and continue to be, driven by contradictions, ambiguities and paradoxes. From these stories we note the dynamics and tensions between essence and appearance. They reveal some of the thoughts and feelings that went into making and inhabiting a South African whiteness, and help us understand the complex and nuanced specificities of whiteness in this society.
Palabras clave : Apartheid Archive Project; whiteness; privilege; power; race; South Africa.


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Saturday, March 8, 2014
Video - Women Underrepresented on Boards of Directors
Women can bring a vast array of skills into business, this includes a greater awareness of the value of sustainability. Despite this fact women represent only 17 percent of the membership of Fortune 500 boards of directors. In this video professor Kellie McElhaney of the University of California Haas School of Business profiles the gender gap in the corporate board rooms and outlines specific barriers and best practices for addressing this situation.
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Video - Women and Climate Change
Vandana Shiva & Jane Goodall on Video - Serving the Earth & How Women Can Address Climate Crisis (1 of 2)
Vandana Shiva & Jane Goodall on Video - Serving the Earth & How Women Can Address Climate Crisis (2 of 2)
Canadian Sheila Watt-Cloutier the World's Leading Voice on Arctic Climate Impacts and Human Rights
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Rio+20 Corporate Sustainability Forum Supports Women
Posted by The Green Market Oracle
Labels: action, activism, advocacy, bias, climate change, discrimination, environment, Environmentalism, female, feminine, feminist, gender, Global Warming, movement, oppression, progress, sexism, shift, women
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Boosterthon is HERE!!!!
Wards Creek Elementary PTO's biggest fundraiser this year will be the Boosterthon Fun Run. No doubt, you've heard a LOT about it from your Warrior - and tomorrow is the big day! Unfortunately, it's going to be FRIGID in the morning, and for the safety of all of our students, we will not be running outside, rather participating in 35 super fun indoor activities instead!! If you're planning to volunteer, you are still needed/welcome/appreciated, so come early to grab a great spot to watch and cheer.
The schedule is as follows:
8:50 AM: ESE, Pre-K, Kindergarten, 1st and 2nd grades
10:00 AM: 3rd, 4th, and 5th grades
We will be in the cafe - we hope you can join us for this awesome celebration. All of your hard work has paid off!! We will be able to make some amazing upgrades to WCES all because of your support of the Warriors! THANK YOU!!!
Leave a Reply.
About Us
The Wards Creek PTO is made up of parent volunteers and staff members at Wards Creek Elementary in St. Augustine, Florida.
February 2020


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Keep Your Vehicle's Performance High with Honda Service Near Marysville, Kirkland, Bothell and Lynnwood
There's nothing better than having a reliable vehicle. If you can drive a new Honda CR-V, Accord, Fit, HR-V, Civic to 100,000-, 200,000, or even 300,000-mile marks, that's a big source of pride. Or, maybe you figure your car will be passed on to another owner that's close to you one day. No matter what, you want a vehicle that lasts.
So, what's the best course of action to achieve that goal? You can start by following the recommended car service and maintenance schedule from the manufacturer itself. Leaving your vehicle in the hands of our specialists can take care of routine check-ups, diagnostics, and many different repair needs.
That includes:
- Tire rotations
- brake repairs
- oil changes
- transmission
- multi-point inspections
- Plus much more with Honda parts
To schedule an appointment with us, submit a form online, or visit the Klein Honda in Everett service department today as we accept walk in service appointments. We're happy to work with you, and keep you and your vehicle on the road safely and confidently for a long time to come. We offer Klein Service Loaner Honda Vehicles for your convenience.


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Download Managing Corporate Culture Study Guide
Managing Corporate Culture
(Critical Survey of Contemporary Fiction)
Corporate culture, the pattern of values and beliefs among organizational members, provides the basis for behavior of these members. Corporate culture helps to shape institutions. In a successful organization, culture is in tune with corporate strategies and objectives. Corporate culture has gained increasing recognition among management theorists.
The author, in describing culture, makes a distinction between daily and guiding beliefs. Daily beliefs relate to rules and feelings among members regarding everyday behavior. Guiding beliefs form the philosophical foundation of a company. Guiding beliefs, not daily beliefs, should shape the corporate strategy.
Examining corporate culture involves an interviewing or questioning process. Case studies are included for First National Bank of Chicago, Analog Devices, Inc., and "Harrison," a company name representing a composite of firms. Case studies illustrate the differences between successful and unsuccessful handling of corporate culture.
Managers should guard against: (1) not following through after announcing an intention to upgrade culture, (2) letting daily beliefs rather than guiding beliefs direct the organization, (3) blandness, and (4) witch hunts. Members of an institution with a healthy culture can see beyond immediate goals and concerns. They see how their work relates to the long-term goals and objectives of the organization.
Davis provides a clear and thoughtful volume about corporate culture, a crucial element in the study of management. This work will appeal primarily to management specialists and social scientists.


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Through the Community Research Fund Program, the Oligodendroglioma Research Fund supports promising research specifically targeted at creating new treatments for oligodendroglioma (oligo) while leveraging our scientific expertise and proven processes.
The Research
To identify the areas of research that would hold the most promise to improve patient care and treatment, we have convened a panel of the leading oligo researchers to form an expert Advisory Council to guide the grant process, and help ensure scientific success. Chaired by visionaries Dr. Gregory Cairncross, Professor and Head of the Department of Clinical Neurosciences at the University of Calgary, and G. Yancey Gillespie, PhD at University of Alabama at Birmingham, the group identified three specific areas of focus:
- Genomics
- Stem cell and lineage biology
- Tumor modeling
Funded Projects
The Oligo Advisory Council performs a rigorous review of each grant application to select the projects that best meet the needs of the current oligo research landscape. Recipients receive a restricted grant of $300,000 over two years to fund their projects. Oligo Research Fund grant recipients are:
David Louis, MD, Harvard Medical School, Massachusetts General Hospital
Mapping the epigenomic landscape of oligodendroglioma to elucidate tumor growth and chemosensitivity
Anders Persson, PhD, University of California, San Francisco
IDH1R132H-induced transformation of oligodendrocyte progenitor cells into oligodendroglioma
Robert Jenkins, MD, PhD and Daniel Lachance, MD, Mayo Clinic
The Functional Biology of Germline Predisposition to Oligodendroglioma
Both researchers will lead projects that seek to determine what causes Oligo tumors to develop and subsequently grow through next-generation sequencing (Louis), and tumor modeling (Persson), so that future investigations can better understand what biomarkers to target with potential therapies. See the full announcement on these projects.
Through the Community Research Fund model, the Oligo Research Fund allows contributors to pool their donations into one fund dedicated to oligo research. For information about contributing to the Oligo Research Fund please contact 617-924-9997.


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Bride Wants Bridesmaids to Pay for Expensive Wedding Dress
Bride Wants Bridesmaids to Pay for Expensive Wedding Dress
It's a great honor for someone to ask you to be in their wedding party, but for some bridesmaids, the experience involves far more stress than fun. For one unlucky bridesmaid, it wound up being both emotionally exhausting and financially stressful — a double whammy of bad.
The anonymous bridesmaid, who wrote about her experience on Mamamia.com, said that she was initially "overjoyed" when her friend Caroline asked her to be a bridesmaid. However, her "joy quickly turned to utter despair" when Caroline began getting obsessive about every aspect of her wedding, from the buttonholes for the groomsmen to the table decorations. One day, she even asked the misfortunate bridesmaid to make an Excel document of cake-maker suggestions, including the pricing, contact info, flavors and "prestige" level — and wanted it that day, no less.
The author complied when she had time the next day, apologizing for taking a little longer than was originally requested demanded — something the bride didn't seem to appreciate.
On Saturday morning I cancelled my breakfast plans, instead researching Tasmanian wedding cake-makers (she'd decided to have a picturesque destination wedding) that might be suitable. I sent it through to her and had a reply almost immediately.
"Thanks for this, would've been really helpful to have it yesterday when specified but I appreciate it."
Yikes. As if all that wasn't enough, the difficult bride also insisted on shopping for three consecutive weekends to find the perfect wedding gown and bridesmaid dresses — a lot of time to ask seven friends to dedicate to your wedding day. Oh, and did I mention the bridesmaid dresses were $550 a piece? But that's not even the craziest part of all this.
Caroline found a gorgeous designer wedding dress, but it was priced at $10,500 — twice the amount allotted in her budget for a gown. The other bridesmaids told her to "totally splurge," which she did… only to request that her bridesmaids "pitch in" for her "dream dress." Caroline's reasoning? It would be a sentimental treasure that all the bridesmaids would have a part in if they paid for it. read more at goodhousekeeping.com


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La Voix
With very special guest - star of stage and screen - Harriet Thorpe.
Returning to Live at Zédel, La Voix is back!
Bringing with her a collection of the biggest divas from around the globe, expect an evening of everyone from Cher to Shirley Bassey all accompanied by her new faithful pianist (the other one left her for a 6 month world cruise!) with outstanding sound alike performances.
If that wasn't enough for a night out in London, La Voix will also make you cry from laughing with her wicked sense of humour.
8th June as part of PRIDE Weekend - who better to celebrate with?!
All this is wrapped up in a fabulous gown, usually something encrusted with Swarovski!
★★★★★ Broadway Baby- 'To describe La Voix purely as a singer would be like calling Picasso a decorator'
★★★★★ Westend Wilma- 'The Show is super glamorous and the audience mesmerised'
'Better than Bassey, Camp my dear'- Sir Ian Mckellen
*Dinner & Show packages available: Includes a ticket, A glass of Crémant, a three course menu formule* meal, a glass of wine, coffee and water in Brasserie Zédel pre or post show. Your dinner reservation must be made separately by calling 020 7734 4888 and quoting 'Live At Zédel offer'.


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Welcome to Hook Set Tackle
Hook Set Tackle Co. is a small family business. Hook Set Tackle manufactures and sells some of the most proven artificial baits on the market. With all the new things on the market today it is a bit overwhelming for the fisherman. Manufacturers are making baits eye appealing to the fisherman much the way the auto industry does for consumers. We at Hook Set Tackle make and sell some of the most proven baits on the water, baits that do one thing, and do it well, catch fish! Shad Slab Wobble Spoons and Dart Devil Spoons have caught many Crappie, Walleye, White Bass, and Wipers and done so at an affordable price. Leadhead jigs and soft plastic tube baits have caught millions of Crappie. We sell the Super Jig soft plastic tubes. The Super Jig is the one in our tackle boxes for one reason, they flat catch fish! The jigheads we sell are made by us using premium quality hooks and are checked for quality by hand one at a time to ensure the barb will hold whatever soft plastic bait you use. All spoons are made with components supplied by American companies and are assembled by our family. NOT OVERSEAS! Shad Slab Wobble Spoons , Dart Devil Spoons, and a new leadhead we make and named the Cobra Head Jig are just a few of the products we manufacture. The Cobra Head Jig is a very effective jighead for all fishing. The head design lets it rock and wobble when trolled or casted. When fished for Walleye this design holds the hook up for better hook presentation. We have new baits on the design table and are always striving to produce baits the fish will hit. Because that's what it's all about, catching fish.


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Not enough space in your bathroom? This easy DIY storage idea helps you to organize all crèmes, cosmetics and perfumes in your bathroom. The shelves can be easily modified by the number of modules that you add. You can also modify the color of the back and the frontlines. I have chosen an unobtrusive gray for the back and withe for the frontlines.
- Source of inspiration
Get inspired by the handmade shelves that I searched for you on Pinterest.
2. Required supplies
Cardboard: 0,35€ per piece = 0,35€
Wooden shelve: 5,58€ per piece
Acrylic Paint: 3,00€ / 120ml = 0,03€ per paint
Total cost per shelve = 5,96€
Where to find:
Søstrene Grene – Wooden shelve
modulor – Cardboard
modulor – Acrylic Paint
3. DIY – Step by Step
15 minutes
4. Results


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Our fleet of French made Sodi RT8 Evo2 karts are on track now!
The fleet of the SodiRT8 Evo2 karts provides a karting sensation at Phillip Island Go Karts. The Sodi 2Drive Tandem karts allow the whole family to experience the thrill of Go Karting.
Sodi RT8 Evo2 Go Karts
- 9 horsepower Honda GX 270cc engine
- New body work design
- New easy to use seat adjusters for better comfort and custom fitting
- Higher front blade for greater safety
- Re-designed roll bar for improved protection
- Harness seatbelt
- Crash tested & meets European standard
- All round protection avoiding wheel to wheel contact
Sodi 2Drive Tandem Go Karts
- French made European designed karts
- Twin seats so you can give your child the experience of go karting
- Full surround protection
- Roll bar and seat belt protection
- 9 Hp Honda GX 270 engine
Go Kart FAQ's
1/ Q: Do I need to have a zero-blood alcohol (0.00) to drive the Go Karts?
A: Phillip Island Go Karts operates on a strict NO drugs or alcohol policy. No driver is to be under the influence of drugs or alcohol. Drivers must have a 0.00% BAC to drive the Go Karts. Random breath testing will occur.
2/ Q: Will I need special clothing to drive the Go Karts?
A: You won't need special clothing to go on the Go Karts but you must have enclosed footwear, clothing that covers your shoulders (no singlets) and no loose clothing items - eg scarves
3/ Q: Will the Go Karts operate if is raining?
A: Yes, we will continue to operate the go karts in most weather conditions, but we do recommend bringing your own rain gear (no plastic ponchos).
4/ Q: Do I have to book for a session on the Go Kart track?
A: No, you can just arrive and drive, but we do take Go Karts bookings for groups of 10 people and above during non-peak times.
5/ Q: What age do I have to be to drive the Go Karts?
A: To drive the go karts you must be 12 years or older and a Minimum height of 140cm
6/ Q: How old does my child have to be to ride in a tandem Go Karts?
A: Your child must be 5 years or older and a minimum height of 100cm and accompanied by an adult over 18 years of age or over.
7/ Q: I don't have any driving experience. Am I allowed on the Go Karts?
A: Yes. We have a full drivers briefing that will show you what to do while on the go kart track. We have also split the competitors into two levels of experience - Family and open sessions.
8/ Q: Do you recommend the go karts if I have a pre-exisitng medical condition?
A: For comfort and safety, Phillip Island Go Karts is not recommended for guests with the following:
- A physical impairment that prevents them using their legs or arms
- Neck or back injuries
- High blood pressure
- Heart conditions
- Pregnancy
- Recent surgery or illness


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Showing 1-7 of 7
By: Hedayat, Sadegh
Price: $16.00
Publisher: 2001
Catalog #: 594
Condition: English
Price: $22.00
Publisher: Bethesda, Maryland, Ibex Publishers: 1999
Catalog #: 9780936347837
Condition: English
By: Ravinipur, Moniru Joubin, Rebecca (translator)
Joubin, Rebecca (translator)
Price: $20.00
Publisher: Bethesda, MD, Ibex Publishers: 2013
Edition: Joubin, Rebecca
Catalog #: 9781588140951
Condition: English
DESCRIPTION The truth always loses itself among memories. The truth can be lost as though it never existed. Not on the ground or anywhere else. The difference between a historical event and an insignificant happening in the life of an individual is that the historical event has witnesses who can differentiate the truth from the fiction. One evening, thirty year old Afsaneh Sarboland, dressed only in a thin orange dress, flees her husband and home and attempts to create a new li... View more info
Price: $22.00
Publisher: Bethesda, MD, Ibex Publishers: 2018
Edition: ???????? ?????
Catalog #: 9781588141491
Condition: English
The Mourners of Bayal is a collection of eight interrelated stories centered around the people of Bayal, an imaginary Iranian village in the middle of nowhere. This work is a penetrating allegory of the manners, beliefs, hopes, and desperations of rural Iranians in the early seventies. The Mourners of Bayal is a very early example of magical realism. It precedes the works of masters of the genre, José Saramago, and Gabriel García Márquez. The most famous of the eight stories is the fourth (they are numbered without a title) which was adapted into a popular movie, The Cow. While away, Mash... View more info
By: Sadeqi, Bahram (author) Basmenji, Kaveh (translator and introduction) Yarshater, Ehsan (foreword)
Price: $32.00
Publisher: Bethesda, Ibex Publishers: 2012
Edition: Basmenji, Kaveh
Catalog #: 9781588140845
Condition: English
A man who doesnÆt recognize his own face, an aristocrat who keeps his amputated limbs in jars on the shelf, an infant that commits suicide, a cat that is secretly writing a novel, a rooster that rebels against fateùthose are some of the characters that make Bahram SadeqiÆs stories intriguing, incomparable and inimitable. Sadeqi is an original story-teller who depicts familiar facts and mundane realities in such a way that shocks us to the core and makes us call everything into question. With a subtle irony reminiscent of Poe, Kafka and Marquez, he engages us in an intricate quest to expl... View more info
Price: $18.00
Publisher: Bethesda, Ibex Publishers: 2012
Edition: Farrokh, Faridoun
Inscription: توپ غلام
Catalog #: 9781588140685
Condition: English
THE CANNON is the first and best of Gholam-Hossein Saedi's novels. It has an unwavering focus on a single character, the independent iterant Mullah Mir Hashem who is clever and manipulative. Based on historical events, the novel is set in northwestern Iran in the early twentieth century. It features tribal supporters of the Constitutional Revolution; Russian Cossacks who are backing the status quo; and Mullah Mir Hashem. The novel gives a glimpse into the tensions and machinations of the revolution, where each party is attempting to outwit, out-maneuver and otherwise deceive the other. F... View more info


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Highly creative and talented people – artists, writers, composers – don't seem to have a process. The artist, for example, sits down at her easel, takes out a brush, dips it into some paint and begins painting. As we watch, the canvas comes alive with shape and color. We wonder, "How does she do that? There's no process. She just starts painting."
Well, as with all creative people, the artist does have a process. We just don't see it.
But it started with a process. Way back when the artist learned a process that incorporated specific techniques that she could use as her skills progressed. The process became automatic… natural… and effortless. And it continues to evolve.
I see the same thing in the world of marketing and sales. A highly-polished, effective marketing campaign instantly motivates people to act, buy now, or sign on the dotted line. We watch a business owner or sales manager making a presentation that seems to flow effortlessly from beginning to end – until the sale is won. But we don't see the process nor does the prospect or buyer realize there is a process.
One of the points I make in How to Close More Business in Less Time is that while every process can be studied, analyzed, measured, and improved, there comes a time when the process seems to become so engrained in our mind that we're not consciously thinking about it. It becomes less effective. That's the problem. A sales process running on automatic pilot opens the door to mistakes and errors.
That's why it's so important to review and re-chart the sales process periodically. Think of it like changing the oil in your car every three thousand miles or visiting your dentist every six months.
When you review your sales process, you'll see areas where you need to make changes, speak to new constraints, modify your value propositions, shorten the sales cycle, and so on. You'll also be able to identify where marketing can better support your newly refreshed sales process.
You can learn more about how to create an ideal sales process for your business or organization by reading How to Close More Business in Less Time.
And you can get a special deal on the Kindle version on Tuesday, May 2, 2017, for ONLY 99¢. This is a one-day-only promotion to help the book become an Amazon Best Seller.
The book is worth every penny at 15 bucks. That makes 99¢ the bargain of a lifetime. Mark your calendar with this shortcut link for Tuesday, May 2, 2017: http://amzn.to/2n9GjW0. Enjoy.


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What Does Every Agile Development Team Want?
Win! Duh, Winning! Okay, I know that is so 2011. But it is only human nature to want to not be put in a losing position, in fact we talk a lot about winning. We are naturally competitive, some folks more so than others — you know who you are. This may be an evolutionary


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Tom Hardy
We present our wallpapers for desktop of Tom Hardy in high resolution and quality, as well as an additional Full HD high quality wallpapers, which ideally suit for desktop not only of the big screens, but also on the screens of Android and IPhone. All pictures are available for free download. This section provides no less than 25 high definition wallpapers with the Tom Hardy, and optionally you can immediately download all the HD wallpapers for your desktop absolutely free. Our service has a large base of desktop wallpapers, dedicated to the Tom Hardy, which you can find at the bottom of this page.


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Malaysia (/məˈleɪʒə/ (listen) mə-LAY-zhə or /məˈleɪsiə/ (listen) mə-LAY-see-ə; Malaysian pronunciation: [məlejsiə])[lacks stress] is a federal constitutional monarchy located in Southeast Asia. It consists of thirteen states and three federal territories and has a total landmass of 330,803 square kilometres (127,720 sq mi) separated by the South China Sea into two similarly sized regions, Peninsular Malaysia and East Malaysia (Malaysian Borneo). Peninsular Malaysia shares a land and maritime border with Thailand and maritime borders with Singapore, Vietnam, and Indonesia. East Malaysia shares land and maritime borders with Brunei and Indonesia and a maritime border with the Philippines and Vietnam. The capital city is Kuala Lumpur, while Putrajaya is the seat of the federal government. With a population of over 30 million, Malaysia is the 44th most populous country. The southernmost point of continental Eurasia, Tanjung Piai, is in Malaysia. Located in the tropics, Malaysia is one of 17 megadiverse countries on earth, with large numbers of endemic species.
Malaysia has its origins in the Malay kingdoms present in the area which, from the 18th century, became subject to the British Empire. The first British territories were known as the Straits Settlements, whose establishment was followed by the Malay kingdoms becoming British protectorates. The territories on Peninsular Malaysia were first unified as the Malayan Union in 1946. Malaya was restructured as the Federation of Malaya in 1948, and achieved independence on 31 August 1957. Malaya united with North Borneo, Sarawak, and Singapore on 16 September 1963 to become Malaysia. Less than two years later in 1965, Singapore was expelled from the federation.
The country is multi-ethnic and multi-cultural, which plays a large role in politics. About half the population is ethnically Malay, with large minorities of Malaysian Chinese which also form the second largest community of Overseas Chinese in the world, Malaysian Indians, and indigenous peoples. The constitution grants freedom of religion and makes Malaysia an officially secular state, while establishing Islam as the "religion of the Federation". Despite being a majority Muslim country, Malaysia has been widely regarded as a rather moderate Muslim majority country. Malaysia also recognises Chinese New Year, Eid al-Fitr, Diwali and Christmas as federal national holiday.
The government system is closely modelled on the Westminster parliamentary system and the legal system is based on common law. The head of state is the king, known as the Yang di-Pertuan Agong. He is an elected monarch chosen from the hereditary rulers of the nine Malay states every five years. The head of government is the prime minister. The country official language is Bahasa Malaysia or commonly known as Malay language. English remains as an active second language. English proficiency in Malaysia has been highly ranked as the second best in Asia after Singapore and 12th best in the world as of 2016.
The economy has traditionally been fuelled by its natural resources, but is expanding in the sectors of science, tourism, commerce and medical tourism. It is also one of the few developing countries to subsidise heavily on education and healthcare. Its citizens are entitled to free public education up to secondary education level and public tertiary education fees are subsidised as much as 90%. Basic healthcare services at government run clinics with prescription cost RM1. Its healthcare services have been highly regarded and the UN Development Programme has called Malaysia healthcare system "a model to other developing countries".
It is a founding member of the Association of Southeast Asian Nations, the East Asia Summit, and the Organisation of Islamic Cooperation. Malaysia is also a member of the Asia-Pacific Economic Cooperation, the Commonwealth of Nations, and the Non-Aligned Movement.
Before Miri was founded, Marudi was the administrative centre of the northern region of Sarawak. Miri was founded in 1910 when the first oil well was drilled by Royal Dutch Shell. The discovery of an oil field in Miri has led to rapid development of Miri town. Miri became the administrative centre of the northern region of Sarawak by 1929. During World War II, the Miri oil fields were destroyed by the Brooke government to sabotage Japanese operations in Southeast Asia but to no avail; Miri town was the first landing point of Japanese troops in Borneo. The subsequent Japanese occupation led Miri to become a target of Allied air raids which caused the destruction of oil refinery facilities in Miri. The petroleum industry continued to be a major player in the city's economy after the war. Oil exploration has moved offshore since the 1950s, but subsequently new inland oil fields were found in 1989 and 2011. In 1974, the formation of Malaysian oil and gas company Petronas led to co-operation between Petronas and Shell on oil exploration in the Miri region. In 2005, Miri became the 10th city in Malaysia to be granted official city status, the first non-state capital city to be bestowed such status.
A picture of the Eagle Square (Dataran Helang) in Langkawi, Malaysia. According to one interpretation, Langkawi means island of the reddish-brown eagle in colloquial Malay. The Malay word for eagle is helang - which is shortened to "lang", while kawi is the name of a red stone used as a chalk to mark goods. This interpretation was used to create the landmark sculpture of an eagle as the symbol of Langkawi at Dataran Helang (Eagle Square) in Kuah.
Langkawi, officially known as Langkawi the Jewel of Kedah (Malay: Langkawi Permata Kedah), is an archipelago of 104 islands in the Andaman Sea, some 30km off the mainland coast of northwestern Malaysia. The islands are a part of the state of Kedah, which is adjacent to the Thai border. On 15 July 2008, Sultan Abdul Halim of Kedah had consented to the change of name to Langkawi Permata Kedah in conjunction with his Golden Jubilee Celebration. By far the largest of the islands is the eponymous Langkawi Island with a population of some 64,792, the only other inhabited island being nearby Tuba Island. Langkawi is also an administrative district with the town of Kuah as largest town. Langkawi is a duty-free island.
WikiProject Malaysia
Malaysia Topics Notice Board • Malaysian Wikipedians • Wikipedians in Malaysia • WikiProject Malaysia Facebook Page • Malay Language Wikipedia


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Reclaimed, recycled and repurposed hubcaps and other metallic debris form the raw materials of these fascinating works of sculpture. Designed by Ptolemy, each piece is created solely from found materials and thus may show the scars of their previous life-cycle. Pictured above is a commissioned work.
Works range in price from roughly £110 to £550
find more @ hubcapcreatures.com
via www.alternativeconsumer.com and www.ecofriend.orgUrl:


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Enter your search term & enter. Esc or X to close.
I. An overview of the profession
Advances in dental research, including genetic engineering, the discovery of links between oral and systemic diseases, the development of salivary diagnostics and the continued development of new materials and techniques, make dentistry an exciting, challenging and rewarding profession. Today's dentists are highly sophisticated health professionals who provide a wide range of oral health care that contributes to the general health and quality of their patients' lives. They are at the forefront of a range of new developments in dental implants, computer-generated imaging and cosmetic and aesthetic procedures.
Dentists are instrumental in the early detection of oral cancer and systemic conditions that manifest in the mouth. They also can serve as first responders in the event of a large-scale health emergency.
GoDental is the official resource for those on the path to dentistry and other oral health careers. GoDental's mission is to guide students through the process of becoming a dental professional by providing helpful resources and networking opportunities to its members. GoDental gathers information directly from its sponsor, the American Dental Education Association (ADEA), and its constituents in the dental education community.
The site offers members the opportunity to interact with the rest of the dental community through discussion topics, social media, blogs and videos. To start participating in the discussion, become a GoDental member today. Also, be sure to follow GoDental on Facebook and Twitter for updates about internship opportunities, events and dental education news.
For more information:
II. Prerequisites
The following chart describes the prerequisites listed for the University of Tennessee Health Science Center College of Dentistry and what those particular courses are called at CBU. These prerequisites are typical of most dental schools in the United States:
*Elective courses can be chosen from the following: genetics, comparative anatomy, developmental biology, cell biology, histology, microbiology, molecular biology, physiology, and neurobiology.
Non-science elective courses may be chosen from philosophy, business administration, economics, public speaking, computer science and courses in the social sciences.
III. Acceptance/Admissions Statistics
The following is an excerpt from the Executive Summary of the ADEA (American Dental Education Association report regarding the 2010 Class:
In summary, interest in becoming a dentist remains strong, with 12,001 applicants in 2010, an increase of 55% from 2000. The increase in the number of dental schools and slight growth at some dental schools during the 2000s pushed the number of first-time enrollees to nearly 5,000. Overall dental schools received 2.4 applications for every one spot in the entering class. However, the number of applications received per slot by dental school ranged from three to 45. Six schools received 35 to 45 applications per slot and 19 schools received 25 to 34 applications per slot. Men continue to make up the majority of applicants and enrollees; however, the percentages of women have increased with 15 dental schools enrolling 51% or more women in their entering class. The number of URM applicants and entering enrollees increased minimally. Despite increased numbers in URM applicants and first-year enrollees, the share of URM applicants and enrollees in the entering class has remained the same and is not proportional to the U.S. population. The average GPA and DAT scores for dental enrollees have continued to be quite high. Finally, the average age of applicants (25) and enrollees (24) has remained the same since the 2009 entering class. The 2010 applicant and enrollment data continue to demonstrate growth and expansion for dental education in the United States. Increases in enrollment and the opening of new dental schools indicate that dentistry continues to be viewed as an attractive career option and an important area of educational and health care growth. In addition, the recent new accreditation standards adopted by the Commission on Dental Accreditation (2010) are in accord with preparing a high-quality dental workforce through the recruitment and educational efforts of our growing and evolving dental schools.
The DAT is…
What are the sections of the DAT?
When should I take the test?
How do I study for the test?
What are the rules and regulations?
How do I sign up to take the test?
Other Important Notes:
V. Contact information regarding careers in dentistry
The American Dental Association -- http://www.ada.org/goto/careers
The American Dental Education Association -- http://www.adea.org
The American Student Dental Association -- http://www.asdanet.org
American Association of Dental Schools -- http://www.aads.jhu.edu
American Dental Association -- http://www.ada.org
American Academy of Pediatric Dentistry -- http://aapd.org
Contact Information at CBU:
Dr. Stan Eisen, Director of Pre-Professional Health Programs
phone: 901-321-3447
e-mail: firstname.lastname@example.com


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Iran Nuclear Deal Anniversary, Europe's Silicon Valleys, And The Coup Against Gorbachev
Ebrahim Noroozi/AP Photo
On today's show:
- Just after the one year anniversary of the Iran nuclear deal, we evaluate how well both sides are keeping their promises.
- While American companies continue to dominate the tech startup market, several other tech hubs are making a name for themselves in Central and Eastern Europe.
- Historian John Schmidt walks us through the coup against Gorbachev and the beginning of the end of the Soviet Union.


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The information below is intended to reflect the preferred practice of Main Roads Western Australia ("Main Roads"). Main Roads reserves the right to update this information at any time without notice. If you have any questions or comments please contact Con Magriplis by e-mail or on (08) 9323 4540.
To the extent permitted by law, Main Roads, its employees, agents, authors and contributors are not liable for any loss resulting from any action taken or reliance made by you on the information herein displayed.
The purpose of this document is to detail Main Roads' standards for the geometric design of temporary alignments in Western Australia and to provide practical guidelines for the application of these standards.
This document shall be applied to temporary alignments in urban and outer urban environments.
This guideline does not apply to sidetracks. Guidance on these can be found in Operational Guideline No 92 and Main Roads Specification 202.
All temporary alignments should have the following primary design objectives:
Geometric road design should generally be in accordance with the following documents unless otherwise explained in this guideline:
If there is a discrepancy between reference documents, the order of precedence should be firstly Main Roads and then Australian Standards and Guidelines.
In general, minimum standards should only be used where they are considered necessary to meet one or more of the design objectives listed above. Generally, if a minimum is used for any particular element it is preferable to avoid using a minimum for another element. This is necessary to allow an appropriate factor of safety to the road user.
For temporary alignments that may be in place for twelve months or more then the design shall, as far as practicable, meet full design standards.
Consideration to the staging of a project should be given, as the design of temporary alignments may be required, and in cases such as staging of a future grade separation, a cross road may be constructed on a temporary alignment that may be in place for many years.
Wherever practical, traffic should be able to travel through the temporary alignment at the same speed as the adjoining road sections. This is particularly important for temporary alignments of a longer duration.
Where the geometric standards cannot be met for the design speed of the adjoining road sections, then the temporary alignment may need to be designed for a lesser design speed. The incremental change of design speed on the approach to a temporary alignment shall be no more than 20km/h and signed accordingly.
The design speed shall be based on the proposed traffic management plan posted speed plus 10km/h in recognition of the likelihood of high approach speeds.
The adopted design speed shall take into account the safety requirements for the construction site.
The horizontal and vertical alignments shall be designed to meet the appropriate design speed designated for the temporary alignment.
Wherever possible, horizontal and vertical geometry shall be co-ordinated for temporary alignments in place for twelve months or more. In all cases, crest curves shall not obscure the start of horizontal curves to avoid possible safety problems.
Tie-ins should not be located at sites where a change in environment is not obvious (e.g. on a crest or at a curve). Temporary designs shall include the design of all tie-ins and carriageway edges.
The design of the tie-in must meet all appropriate design standards for the adopted design speed of the temporary alignment.
Design factors such as approach, intersection and stopping sight distances shall not be compromised within the temporary alignment.
In determining a suitable alignment, consideration shall be given to providing sufficient clearances to both proposed worksites e.g. future bridge site, allowance for deep excavation and clearance for machinery. Wherever possible, separate the working zone from the traffic route.
Superelevation on temporary alignments shall be applied in accordance with Main Roads Horizontal Curve Tables wherever practical.
Temporary alignments in place for up to twelve months that cannot meet the Main Roads Horizontal Curve Tables criteria shall apply superelevation at a rate based on the Main Roads Supplement to Austroads GRD Part 3: Geometric Design using the desirable friction factor but with no distribution of e or f ie:-
E = V2/(127R) - f des.
A minimum superelevation and/or crossfall of 2% is required to cater for drainage on sealed surfaces.
Temporary alignments in place for twelve months or more shall apply superelevation at a rate in accordance with Main Roads Horizontal Curve Tables. Where these superelevation rates cannot be achieved it may be acceptable to apply superelevation in accordance with Main Roads Supplement to Austroads GRD Part 3: Geometric Design based on the desirable friction factor and with distribution of the e & f ie:-
For any other radius other than Rmin then
E1 = (Rmin / R) x Emax with Emax =5%
If adverse crossfall is to be used then Fdes shall be limited to 50% of Fdes, as recommended by the Main Roads Supplement to Austroads GRD Part 3: Geometric Design.
When designing temporary alignments, consideration should be given to design vehicles, including construction traffic, that will be using this section of road, as this may have an influence on geometric elements of the design such as lane widths, superelevation etc.
Where the temporary alignment forms part of a permit route, Main Roads' Heavy Vehicle Operations shall be consulted to ensure the design of the temporary alignment makes allowance for over width and over height vehicles.
A reduced cross section width may be appropriate when designing temporary alignments to minimise cost and the earthworks footprint. Lane widths for short term temporary alignments may be reduced but design checks shall be made in reference to pavement widening on horizontal curves where applicable. The geometry must enable the design vehicle to remain lane correct through the entire length of the temporary alignment.
For more information relating to minimum lane widths, refer to Table 2 Main Roads Traffic Management for Works on Roads - Code of Practice, except use 3.3m minimum lane width for B Double/Road Trains for design speed < 60km/h, refer to ARRB Document - Analysis of lane width requirements of Western Australian road trains.
In determining the number of lanes required, the capacity of a lane shall be taken as 1000 vehicles per lane per hour.
Wherever practical, the number of lanes provided for a temporary alignment should be the same as the adjoining road sections. The number of lanes should only be reduced if it can be demonstrated that Main Roads operational requirements can be met. If the number of lanes is to be reduced, then the number of lanes required needs to be determined based on a capacity analysis in accordance with Austroads Guide to Traffic Management Part 3: Traffic Studies and Analysis.
Median widths on proposed temporary alignments, where required shall be based on the following criteria:-
Island used for
Median Width
Desirable minimum
Absolute Minimum
Signals, signs or street lighting
Intersections shall be designed to accommodate the appropriate design vehicles. If reduced lane widths have been used, care shall be taken to ensure that there is no encroachment into adjacent lanes, other than as allowed by normal Main Roads design standards.
Minimum sight distance criteria shall be met for all intersection treatments.
The number of lanes at signalised intersections should only be reduced if it can be demonstrated that Main Roads operational requirements can be met.
Where drainage for the temporary alignment forms part of the permanent drainage network or will be in place for a duration greater than twelve months, it shall be designed to the same standards as a permanent network.
In other situations for temporary alignments in place for up to twelve months the following standards shall apply to temporary drainage systems:
Temporary detention basins shall be designed for a 1 in 10 year event and in accordance with the Main Roads Guide to the Design of Drainage Basins.
Drainage systems may require special features for sediment trapping in accordance with environmental requirements.
Refer to Main Roads website for information relating to Drainage and Waterways.
Pavement marking and signing shall meet the required standards for the proposed design speed of the temporary alignment and shall be to current Main Roads standards unless this is achieved by the implementation of a temporary Traffic Management Plan approved by Main Roads.
It may be necessary to place additional signs in the vicinity of the temporary alignment to advise road users of the change in road environment.
If the design speed of the temporary alignment is different from that of the existing alignment, then the speed zoning must be altered to reflect the new operating environment.
When designing a temporary alignment for the construction of a bridge or structure, open excavation, sand piles or other work areas then horizontal clearances to the structure shall be checked for road safety barrier warrants.
In designing temporary alignments, the Designer must assess both existing roadside hazards, which may be closer to the edge of the travelled way due to the temporary alignment, as well as any hazards created by the Works.
An example of the latter would be formwork required for bridge piers, deep excavations etc.
For details of warrants for various types of roadside hazards at construction sites refer to the Main Roads Traffic Management for Works on Roads - Code of Practice.
Above ground hazards shall be assessed in accordance with Clause 7.4.4 of the Code of Practice.
Clearance from the temporary alignment to excavations - if this is of sufficient depth and slope to require barrier protection, then the width required to accommodate the barrier as well as the deflection of the system and any support to the barrier shall be provided.
Road Safety Barriers if required, are to be designed in accordance with the MRWA Supplement to Austroads Guide to Road Design - Part 6.
If street lighting is present on the existing alignment, then it shall be replicated on the temporary alignment to the existing standards as a minimum.
Where appropriate, consideration should be given to the provision of street lighting for the temporary alignment, even if it is not present on the existing alignment.
Mitchell Freeway / Warwick Road
Kwinana Freeway / Farrington Road
Kwinana Freeway / South Street
Albany Highway / Leige Street
Albany Highway / Hamilton Street
Albany Highway / Mallard Way to George Street
Reid Highway / Wanneroo Road
1. Main Roads Specification 202 - Traffic
2. Main Roads Traffic Management for Works on Roads - Code of Practice
3. MRWA Supplement to Austroads Guide to Road Design - Part 6
4. Drainage and Waterways :-
5. AS 1742.2 Manual of uniform traffic control devices; Part 2: Traffic control devices for general use.
6. AS 1742.3 Manual of uniform traffic control devices; Part 3: Traffic control devices for works on roads.
7. ARRB Document - Analysis of lane width requirements of Western Australian road trains (2005).


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Legionnaire's Disease: Making Building Water Systems Safer through Regulation
ASHRAE's published Standard 188 provides minimum Legionnellosis risk management for building water systems. But governments don't need to wait until an outbreak occurs to act. This is why we're asking you, the chapters, to get involved by encouraging municipal, state and federal governments to adopt Standard 188 now. But how


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Want an easy to use app that allows students to display their thinking on the iPad in a professionally looking way? Then Popplet may be the tool for you and your students. I have created a short video explaining briefly the app and demonstrating how it works. I rushed this presentation a little and missed a couple of functions including the ability to import images into the mind map and also hand draw in the app. Hopefully the video gives enough explanation to show you that it has some great uses in the classroom.
Month: May 2013
Just Google it!
It is now one of the most common things that we get our students to do, a Google search. It is certainly not uncommon to hear the phrase "Just Google it" as part of our everyday language. It is the most common search engine that our students use (although there are many others) and for something that is so commonly used in schools you would expect that teachers and students would be fluent in its use. Do we know how to access the full power of the Google search engine? For me the answer is no.
As part of my own professional development I have started listening to pod casts from The EdTechCrew. Listening to my first pod cast by these guys I heard them talking about free online courses around how to use Google search which, considering how often I use this tool, sounded really interesting. So after a quick search on You Tube I was able to find a range of videos made for one of these courses. I have put a selection of these videos on the blog, see the page titled 'Google Search Lessons for Teachers' at the top of the blog.
The videos range from 5-10 minutes and do not necessarily have to be viewed in order (although recommend videos 7, 8 & 9 are). If you don't want or think you will get to all of these videos then I recommend videos 1, 4, 10, 11, 12. Learn how to filter images by colour & why this might be useful. Learn how to find specific text on a web page full of writing (without reading it). Learn how to use an image instead of text to find information – drag an image from your desk top into Google search and find out where it originated. This is one that really surprised me, you can even take a photo of an object and use that to create a search! Learn how to narrow a search by time and date or view the web at a point in time by filtering out anything prior or after a specific time. Finally video 12 will show you how to translate web pages written in other languages into English. Great for students wanting to get perspectives from non English speaking countries.
Interested in pod casts?
Pod casts (audio/video) – Get the podcast app on your iPhone/iPad/iPod and then through the app you can access pod casts to download onto your device to listen to at a later time.
What is 21st Century Learning?
The following video helps to describe what it is to be a learner in the 21st Century. The video highlights some shifts in focus which are perhaps more valued now in education than they were for the majority of the 20th Century. This is not meant to be a definitive list just a chance for you to consider how you teach your children, and what your classroom looks like in relation to the things listed and mentioned in the video.
- Love of embracing change
- Curiosity and a questioning disposition
- Collaboration
- Being reflective
- Technology and specifically the impact of mobile technology
- Skills for creativity.
- Change of focus from students consuming content to students creating content using new media technology.
- Learning happens everywhere. Traditional school strucutres and timetables are slowly changing to be more flexible in a world where we can communicate anywhere any time.
Student Research – Google and Google Docs
Would you like your students to use Google more effectively? Do you want to give your students an easier way to insert footnotes and references? If the answer is yes then here are two great videos from Bradley Lands. Among other things Bradley Lands is an 'Apple Distinguished Educater' and 'Google Apps for Education Qualified Individual'. He has a great blog which you can visit by clicking here.
The first video is about how to Google search effectively. This is a must watch for any teacher who has ever asked their students to use Google as a search engine for research.
How to perfect your Google search
The second video is about how to use Googles Docs to write a research paper or issue study (common to most year 11/12 subjects). Watching this video opened my eyes to the benefits of using Google Docs over Word to write a research assignment.
Research tools in Google Docs
Do you have senior students interested in the health industry?
Check out healthheroes a Federal Government website promoting jobs in the health industry. This great looking website has a wide range of information covering jobs, training, financial support, resources and a quiz to assist students with what type of jobs they might be best suited to. There are also videos of young people who work in the health industry. They talk about what inspired them to take on a job in this area and what they like about their job.
Here are some images from the website.
Adding audio to a single image using FotoBabble
In my previous post I talked about an app called WordFoto which allows students to generate a word list and apply those words to a photo. The photo is then made up entirely of words (none of the original image remains). If you would like to view this post click here.
In this post I would like to show you how to take this photo created in WordFoto and add some audio to it using a second app called FotoBabble. After creating an image and applying a set of words to it in WordFoto this image is saved to the camera roll on the iPad. Open FotoBabble and import that image. Once the image is in FotoBabble students can add audio to explain the image and the concepts they have learnt.
The example below has been created by me but is a task my 7/8 Health class will be undertaking this term. The task will be to select an image representing smoking and create a word list in WordFoto and apply those words to the photo. Students will then save this image into the camera roll and import it into FotoBabble. In FotoBabble they will have to record an explanation of 3 words from their list that appear in the photo and why they have used them. My example is quite short for the purpose of this post, students work will be more detailed.
As well as adding audio there are a number of basic formating options within the app including: the ability to enhance the photo, add effects, add frame (free download in app), add stickers (very basic – in app purchase required to get more), rotate the image and add themed wall paper as a background.
Note: Once the audio is completed the image/audio needs to be uploaded to the Fotobabble website. For this to occur a class account needs to be created under the teachers name. Students then use the user name and password to log in on their iPad and upload their work. This works through our school wireless system and is fairly quick and painless.
Combine language and photos – WordFoto
Use the iPad app WordFoto to create an image made up of key words describing that image or the concept represented. The app is fairly simple to use requiring the student to take a photo in the app or import an image from the camera roll on the iPad. Once the image is in WordFoto you can apply a word set to the photo. The photo is then made up entirely of those words. Words are in different sizes, shades and colour to ensure the image is still recognisable.
The app allows the student to manipulate the following:
- Put in your own word list (up to 10 words).
- Crop the image.
- Select from one of the 8 preset styles.
- Select custom styles and modify background, foreground, shadows, highlights, brightness, contrast, saturation and fonts.
In health my Year 7/8 class are doing a topic on tobacco and alcohol. Two tasks I will be asking students to do are to look at what chemicals are in cigarettes and what are the impacts of smoking. To extend the research work students will do in these two areas they will be asked to take a photo of a smoking image (I have printed about 15 high quality colour images from the Internet) and apply a selection of words about the negative impacts of smoking and the contents of cigarettes, i.e. Death, Cancer, Rat Poison, Expensive etc. This is a quick and easy task to do that will help to reinforce some key words relating to smoking tobacco. The final product is professional looking and will be emailed to me so that it can be printed and put up in the classroom.
Below are two images that I created. The first picture is using one of the smoking images I have printed for students while the second is from a magazine for the purpose of creating an example for this post.


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There's been a lot of concerns lately over the safety of browsing websites that support third party plugin software. That's been especially true of the Java software, which has been discovered to have a number of security holes.
This week, Mozilla announced a change in its previous plugin software setup for its Firefox web browser. In a post on its blog, Michael Coates, Mozilla's director of security assurance, stated:
Previously Firefox would automatically load any plugin requested by a website. Leveraging Click to Play Firefox will only load plugins when a user takes the action of clicking to make a particular plugin play or the user has previously configured Click To Play to always run plugins on the particular website.
Click To Play is a list of plugins that Firefox blocks from running on the browser. Under the new system, Firefox will soon block all plugins from automatically running, with the exception of the current version of Flash. Coates cited both performance and security issues as the reasons for this new system.
Once the final implementation of this new system is put in place, Firefox will automatically block the running of plugins such as Java, Acrobat Reader and Microsoft's Silverlight plugin, even if they are updated to current versions by their respective companies.
Source: Neowin


text: Don't worry! Statistically speaking, a little up-front investment is well worth it. In fact, MortgageNewsDaily.com indicates that most homes that are professionally staged will end up bringing in roughly 3% more than the anticipated price. This means that a homeowner who dedicates $3,000 to a home staging project, and who sells their home for $500k, will have earned $15,000 for their effort. Clearly, this indicates that such a project is well worth the expense. Houses that are professionally staged sell in an average of 35 days (compared to 175 for non-staged homes)! According to the National Association of Realtors (2015 Home Staging Report), Over 95% of "Buyer's Agents" say that home staging has at least some effect on the buyer's view of the home and over 91% of buyers find it easier to visuals the property as their future home when it's staged.


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It's time to put your credit score in perspective. I'm sure you're all aware that the higher your credit score, the lower your interest rates on car loans, personal loans, and mortgages, but how much? I decided to get a couple quotes to just give you an idea of how much a few points on your score can save you on a mortgage. As a reminder, these are not offers, these are estimates using no personal information intended to give you a sense of the impact.
Before we begin, let's cover a few terms that are used here. APR stands for Annual Percentage Rate, or the cost of the loan per year. A fixed rate mortgage has a set interest rate for the life of the loan. The downpayment is exactly that, the amount you have to pay at the time of closing.
I used the same elements for three credit score ranges, the purchase price was $200,000 for a 30 year fixed rate mortgage, with a 20% downpayment, (or $40,000). The first range I selected was their lowest range available, 660-679, that showed an interest rate of 4.375%, and the same for the APR. What does that mean monthly payment wise and total over the 30 years? The total cost of the mortgage would be $354,197, monthly payments would be $984, not including property taxes, utilities, etc.
The next range was 680-699, the interest rate there was 3.75% and 3.786% for the APR, making the total cost of the mortgage $333,443, and $926 monthly. Nearly $21,000 less than the 660-679 range. Finally, a credit score range of 700-719 returned an estimate of 3.5%, and an APR of 3.539%, with a total mortgage cost of $323,312, and $898 each month. Just shy of $31,ooo lower than the 660-679 range, and still over $10,000 less than the 680-699 range. While 10,000, or 20,000, or even 30,000 dollars may not seem like a lot over the course of 30 years, but another way to look at it is that $30,000 may very well be another year of work. Would you rather fix your credit now, and retire a year earlier, go on a few more vacations, maybe get a new car? Or work longer, take more "stay-cations", and make that car last a few more years? The choice is up to you, call or click today to see what your options are, and how easy it can be!


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We attempt to provide you with details about products and services you might find fascinating and useful. The Small Business Constitution is an award for the UK's world-class business faculties. Marketing And Gross sales Management: advertising and marketing and sales aspects of a enterprise need to be managed nicely too. The eight(a) Enterprise Improvement Program assists in the growth of small businesses owned and operated by people who are socially and economically deprived, corresponding to women and minorities.
This will help the enterprise organization to stay out of hassle and help out its buyer in the best way as attainable to be able to keep it good fame and proceed offering a great customer service to its clients. As soon as the business reaches maturity stage, an extension strategy ought to be in place.
Marriage is one in a lifetime alternative and persons are ready to spend a lot of money to make this occasion successful and your skills and talent you may touch the sky on this enterprise. WBCs help ladies reach enterprise by providing coaching, mentoring, business development, and financing alternatives to over 100,000 women entrepreneurs annually throughout the nation.
This is very true of authorized matters, which can sink a business if handled poorly or ignored altogether. Worker's compensation: If in case you have workers, you will possible have to have a employee's compensation policy in place to cover injuries or deaths that would occur whereas doing enterprise.
Business insurance coverage for the house: If you run your small business out of the home, it's likely that commonplace home-owner's insurance will not cover risks associated with the enterprise. Channels of distribution – Deciding on an effective channel of distribution could cut back the promotional bills as well as general expenses for a small business.