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On day 11 of the home search, when Holly and I first heard of the legendary "triple zero" offer, we thought it sounded nuts.
On day 93, we determined it was necessary.
Sure, a triple zero may sound crazy on paper — but in a scalding hot housing market where every house receives an average of four offers, submitting a triple zero gives you a serious edge.
Heck, our seller chose our triple zero over six cash offers. That's how powerful they are.
So what is a triple zero offer on a home? Why do sellers love triple zeros, sometimes even more than a cash buyer? Finally, what makes triple zero so risky — but worth it, under the right circumstances?
Let's investigate triple zero offers, and how they can help win you a home.
What is a triple zero offer on a house?
A triple zero offer includes the following:
- Zero due diligence.
- Zero financing contingency.
- Zero appraisal contingency.
I'll walk you through what these terms mean and why sellers love them.
What's required to make a triple zero offer?
To set expectations, triple zero offers have steep prerequisites. But if you have the necessary ingredients, sellers will love what you cook up. Here's what you need:
- A conventional loan. Government-backed loans won't let you do triple zeros.
- 20% down. Triple zeros require your lender to inherit some risk, so they'll want to see that you have some skin in the game.
- A local lender. Big banks or national lenders won't pre-underwrite you, which is an essential component of triple zeros
- An appraisal waiver. Ensure that your lender is willing to waive appraisals under certain conditions.
- An agent who understands this stuff. Finally, a triple zero offer is a good test of a real estate agent's skill and expertise. If they don't understand any of these less common offer tactics (or why they're necessary in today's market), it might be time to consider working with a more experienced agent who does.
Now that we have the prerequisites out of the way, let's discuss the big trifecta of a triple zero offer.
1. Zero due diligence
When you make an offer on a home, two of the most important terms in the contract will be your due diligence and your earnest money
- Due diligence is a period of time during which you, the home buyer, can back out of the contract for any reason. Due diligence starts as soon as the home seller accepts your offer, and under normal market circumstances, buyers typically request between 10 and 14 days of due diligence. Buyers also schedule the appraisal and the inspection during due diligence. That way, the buyer can negotiate if the appraisal comes back low — or simply flee from the deal if the inspector finds something terrible (mold, leaks, a Wendigo living in the attic).
- Earnest money is a big pile of cash that you put in escrow and pledge to give the seller if you pull out after due diligence ends. In most offers, earnest is typically 1% of the offer amount (i.e., $4,000 on a $400,000 home).
Now, some home buyers think that increasing their earnest money alone will make them more attractive to a seller. But sellers in this market won't give two hoots if you put down 1% or 10% earnest, since you're still reserving the right to yank it back during due diligence.
That's why sellers would rather see zero due diligence than high earnest money; the former sounds much more committed, and also guarantees that they'll get cash if you back out.
Now, should you offer both zero due diligence and higher earnest money?
Probably not, and here's why:
The risks of doing zero due diligence
When you remove due diligence, you're essentially committing to buy a house before the appraisal or the inspection.
Granted, you can still back out before closing — but you'll lose your earnest money.
That's why zeroing out due diligence is extremely risky for homes older than five years that are much more likely to need expensive, hidden repairs. The inspector may discover that the house needs $15,000 worth of roof and plumbing work, leaving you with a tough choice:
Bite the bullet and pay for the repairs?
Back out and lose $4,000 earnest money?
Therefore, zeroing out due diligence — and offering triple zeros as a whole — is safer on a newer home that's less likely to have a Wendigo hiding in the attic.
2. Zero financing contingency
A financing contingency, aka a mortgage contingency, is the period of closing during which the buyer is trying to secure their mortgage.
See, you've probably already heard of these two terms:
- Pre-qualification is just a quick self-assessment of your finances, plus a soft credit check, to see how much house you might be able to afford.
- Pre-approval is when you let your lender dig into your financials (tax returns, bank statements going back 60 days, etc.) to determine what loan amount they might approve you for.
But there's a third stage — a super-pre-approval, if you will — that lets sellers know that you're the bee's knees:
- Pre-underwriting is when your lender spends hours, sometimes days scrutinizing your financials on a whole new level. They'll ask for pay stubs, verify your income and employment, ask tough questions — all to feel assured that you'll be able to pay back your loan.
To be clear, underwriting always happens before a mortgage loan gets approved. The only difference here is that you're getting it done before you make offers.
This lets you waive your financial contingency, which sellers love to see. It shows that most of the paperwork is already done, but more importantly, that the deal is less likely to crumble due to your lender deciding not to finance you.
The risks of having zero financing contingency
When you remove financing contingency from your home offer, you're banking on the fact (heh) that your financial situation won't change much between the day you're pre-underwritten and the day you close.
But unless a surprise $30,000 bill comes along during your homebuying process, there's little risk to getting your underwriting done early.
It's worth noting, however, that not all lenders will pre-underwrite you. If you find one that doesn't, I'd strongly suggest shopping around so you can retain this key competitive advantage!
3. Zero appraisal contingency
Finally, we have zero appraisal contingency.
An appraisal is when an objective third-party professional comes in during closing and assesses the true market value of the house.
The appraised value serves two purposes:
- To reassure the lender that they're not loaning you $400,000 to buy a $300,000 house, since the house will serve as collateral on the loan.
- To give the buyer some negotiating power. If you offer $400,000 but the appraisal comes in at $350,000, you can tell the seller "we'll pay $350,000 or we're walkin'."
No. 2 is why sellers generally hate appraisals.
- A low appraisal gives buyers a better price or a reason to back out.
- A high appraisal just shows that the buyer got a good deal.
So when you waive the appraisal as the buyer, you're not only accelerating the closing timeline; you're further guaranteeing the seller that you'll buy the home, no matter what.
The cherry on top? You're saving $400 to $750 on the appraisal.
The risk of having zero appraisal contingency
The risk of waiving your appraisal is that you'll buy an overpriced house.
But that risk is somewhat diminished since you have to get your lender's approval to waive the appraisal, anyhow. And if your lender waives the appraisal, that's their blessing that they think it's worth what you're paying based on their own evaluation metrics.
Appraisal waivers are yet another reason why small, fast-moving local lenders may be a better option than the big, brand-name lenders; only the former will consider an appraisal waiver.
The bottom line
Waiving your buyer's right to due diligence, financing contingency, and an appraisal may seem extreme. But extraordinary times call for extraordinary measures.
If it's a fit for your risk tolerance and you meet the prerequisites, a triple zero offer can maximize your chances against cash offers — and help win you a new home.
Featured image: Shchus/Shutterstock.com
- Here's how to write the perfect real estate offer letter
- A home buying checklist: organize your wants and needs


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Each pillow ships with a synthetic fill cushion included.

subset: commoncrawl


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Rolls-Royce And Airbus Near Accord Over A380neo
Airbus is accelerating its studies of an upgraded A380 and, after talks held last month with engine makers in Toulouse, appears to be closing on an initial agreement with Rolls-Royce. The engine manufacturer is strongly supporting plans for both the A380neo and the potential A380-900 stretch...
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Did you know? Aviation Week has won top honors multiple times in the Jesse H. Neal National Business Journalism Awards, the business-to-business media equivalent of the Pulitzer Prizes.


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From Einstein and the Marx Brothers to Ruth Bader Ginsburg and Barbra Streisand, this thoroughly engaging board book will give the youngest members of the tribe lots of reasons to be proud of their heritage.
Fun illustrations and entertaining, rhyming text provide an overview of some of the most influential, iconic Jews in recent history, providing context on how each made their mark. Parents, grandparents, and their little ones will enjoy this look at the Jewish impact on the fields of entertainment, literature, musical theater—and even super heroes!
Ages 3 and under
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Clutch: Counter-Strike Pack Drop
The bomb has been planted.
On September 23, line up for a pack and collect clutch moments from some of the best Counter-Strike players around as they attempt to terrorize or save the day. Which team are you on?
The Clutch pack contains moments from some of the best Counter-Strike players and streamers around. The pack will include moments from popular streamers and pro Counter-Strike players Lobanjicaa, smooyacs, and d0cc_tv.
Drop Time
Key Stats
Packs per user: 3
Price: $9.99 USD
Total packs: 2000
Pack distribution (5 moments each pack):
- 3 Commons
- 1 Uncommon
- 1 Uncommon/Rare/Mythic (40%/55%/5%)
First-come-first-serve. The queue will start at 10AM PDT.
You will need to solve a CAPTCHA before you can enter the queue. This is to prevent bot abuse.
Note: we may have to enable randomized pre-queue if the initial traffic crashes our servers.
Payment Methods
Credit Card and Eternal Balance


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Dainty multicolored wooden beads and classic silver beads are threaded along strands of brown suede, creating colorful layers across the wrist. Features an adjustable clasp closure.
Sold as one individual bracelet.
At $5, Paparazzi Accessories are the perfect accessories for all of your outfits! You don't need to spend a lot to accessorize your wardrobe!
It's amazing how a few pieces of jewelry can change the look of an outfit.110.033


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REVIEW: The Caligula Effect: Overdose (Switch) — Here We Go-Home Again
The Caligula Effect was a PlayStation Vita title published by Atlus — a JRPG in a high school setting similar in vain to Persona. The game brought some fresh new ideas to the table, despite scoring largely average review scores in its time. NIS America sought to bring the title back from it's handheld grave with The Caligula Effect: Overdose. It's a remake of sorts, boasting fresh new visuals, rebalanced mechanics, and a slew of new characters and story content to sink your teeth in to. This review will be based solely on the Nintendo Switch version. Big thanks to our friends at NIS America for making this review possible. Right to it, then!
The Caligula Effect: Overdose takes place in the virtual world of Mobius, where troubled souls escape their miseries living a blissful life in a high school setting that seemingly goes on forever. However, things are not as they seem and due to ripples in the realm, some students 'graduate', becoming aware of the fake reality they're in with little to no recollection of who they were and how they got there. You're one of those fortunate(or unfortunate, depending on your point of view) students who've begun to realize the fake reality they're in, which catches the attention of the Go-Home Club, similarly enlightened individuals with a common goal — to escape Mobius.
Now, I mentioned matters of perspective because the game offers players alternative paths to choose as they play through the story. As the protagonist, you start out clueless, but as you progress and learn more about the world, you can slowly build up your own opinion which will be the basis of the decisions you'll inevitably have to make. That being said, Overdose adds several new characters, sequences, and a new "Forbidden Musician" route to really adds up to those options. And if you're the type that likes to experience them all, then this effectively doubles the already staggering amount of replay value.
The Forbidden Musician route is Overdose's most impressive new addition to The Caligula Effect. This route lets you side with the Ostinato Musicians in stopping the Go-Home Club. This new perspective in itself feels almost like an entirely new campaign.
Combat seems to be Overdose's most original feature, adding the element of timing in a classic turn-based system. Instead of characters and enemies taking individual turns, everyone sort of acts out their moves simultaneously. To pull that off, you get to prime each character's next three moves before playing it out. While doing so, the game shows a visual prediction of how the turns will play out. The prediction isn't 100% accurate, however, as factors like evasion and hit rate can change the ensuing results. You can adjust the timing of your skills while planning out your moves. You can add some delays to performing actions and proper use of this can open up your enemies to some sweet counters, which is essential if you want to survive some of Overdose's more difficult encounters.
The combat system's concept is interesting for sure, and Overdose has added some adjustments to improve it even further. However, the combat still doesn't feel fully fleshed out. You can go back and forth when planning a character's next three moves, but once you finalize it, you can't undo the turn, which can make it quite difficult to combo out your party's moves, especially when the turn order becomes too chaotic halfway through a battle.
Dungeons and social areas are one and the same, and battles can take place on the spot. Once initiated, a field will be generated around you, clearing out obstacles for a good clean stage. While in combat, students outside the field are still walking around, and if an enemy unit walks in on your fight, they'll be joining in on the fun, so it pays to watch your surroundings and pick your battles.
The Caligula Effect has some of the most stylish designs I've seen in an RPG with an even more stellar artist backing it up. Overdose is running on Unreal Engine 4, and though this is especially appreciable on PlayStation 4 an PC, it isn't particularly impressive on the Switch, and though it's running on a beefier engine, the character animations are still quite stiff. The visual itself, though running on a higher fidelity, looks flat and bland due to a lack of shadows and lighting. Not sure if this is deliberate given the game's creamy minimalistic visual style, but it certainly didn't turn out as good as they hoped. The UI has been redone from the ground up and the crips minimalistic style worked out really, really well here at least.
I've never played the Vita version, but from what I've seen and heard, the combat suffered from a horrendous framerate. Though overdose took care of the framerate issues, I couldn't help but find the old combat visuals to be more stylish. I don't know, maybe it's due to how clean the remaster made The Caligula Effect look, but overall some visual aspects of Overdose just seems too bland. The soundtracks' okay though, they even added a few new beats to tune in to.
The Caligula Effect: Overdose is, in many ways, the right way to do a remaster. Adding a slew of new features that are more than just tacked on content on top of fixing issues that plagued the original. Unfortunately, it still doesn't hold up against RPG's of the same caliber in recent time. Fans of the original will find that this is more than an updated port and for new players, it's still a decent RPG for the switch, and even offers a ton of replayability for your buck.


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Additional Information
Author(s) | Fătu, Cristina Ioana |
Let X, Y ∈ L^2 (Ω, K, P) be a pair of random variables, where L^2 (Ω, K, P) is the space of random variables with finite second moments. If we suppose that X is an observable random variable but Y is not, than we wish to estimate the unobservable component Y from the knowledge of observations of X. In this paper, using some definitions and properties of the estimators we shall present some results relative to the mean-square estimation.
Author(s) | Fătu, Cristina Ioana |


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And so it continues to grow!
Here are the tour dates for the next few months for the ChrisCooperBand 'Glorious Sins' Tour!
They will be joining Ramble Gamble andMomma's Days Are Done on some Folk Night Liveshows at the Verve Bar Leeds, Gardeners Arms Hull, Hagglers Corner, Cottingham Springboard Music Festival, Bar Loco Newcastle and A Perfect Day Festival, as well as a special Bridge The Gap 2019 show at Moon on the Water with Happy Endings – UK and The Finest Hour. Follow all the latest news of the tour and whats happening at FolkNightLive here at Smallcogmusic.


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F. Thomas Juster and Frank P. Stafford
Additional contact information
F. Thomas Juster: The University of Michigan
Frank P. Stafford: The University of Michigan
Abstract: No abstract.
Keywords: Time allocation; Economic behavior
44 pages, March 1990
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The BVCA is proud to announce the national winners of the BVCA Management Team Awards 2018, produced in association with Grant Thornton LLP, our annual showcase for the best UK businesses backed by private equity and venture capital.
From a shortlist of over 30 companies – all of them winners of our regional awards held throughout the year – our judges selected seven outstanding enterprises which have demonstrated exceptional performance and illustrated the important role private equity and venture capital plays in the real economy, nurturing innovation and supporting growth.
The winners were announced to a 500+ strong audience at the BVCA Annual Gala Dinner, held last night at the London Hilton on Park Lane.
Backed by Development Bank of Wales, HSBC and Notion Capital
Swansea-headquartered provider of tech platform to enhance customer journeys
The judges liked the clever use of technology and 'old economy' methodology to create a truly scalable business, which has the potential to grow well beyond its already substantial size. The company has now used private equity backing twice and is a great example of what can be achieved under private equity ownership.
View their MTA winner video >
Backed by KKR, Summit Partners and others
World leader in AI for cyber security, founded in Cambridge
A standout and shining example of a successful venture-backed company that has gone from strength to strength, making positive headlines with a very impressive team. The company has utilised great tech and marketing to challenge many well-established incumbents. A great advertisement for UK and European venture capital.
Backed by Synova Capital and FiveW Capital
Financial software platform used by investment banks to process tax, regulatory reporting and claims
The management team has developed an outstanding business in a demanding sector with strong numbers - both high margin and EBITDA - with a small, but dedicated team. The judges expect a very strong exit.
Backed by Stirling Square Capital Partners
Redditch-based designer and manufacturer of precision forged and machined components
The management team has executed good growth with a clear acquisition plan in a challenging environment, whilst developing a strong company culture.
Backed by Livingbridge
Procurement consultancy operating across ten offices in Europe, North America and the Middle East, and headquartered in London
The judges were very impressed with Efficio's strong and sustainable growth, acknowledging this is down to the company's management team which has scaled a people business and differentiated itself in a competitive market.
Backed by Palatine Private Equity
Leicester-headquartered provider of affordable residential property and one of the largest housebuilders in the Midlands.
The company's strong management team has achieved fantastic results in a challenging sector and is an excellent example of impact investing – social purpose and impact without compromising on profits. The company itself has a great culture, with people promoted within the business.
Backed by Endless
Producer of travel media and technology, creating award-winning inflight and travel magazines, videos and other digital content
Through the management team's successful buyout, the company has changed in 24 months from a high growth, low profit business to a highly profitable one, increasing market share with clear direction and has significantly exceeded expectations.
Tom Allchorne, Director, Communications, BVCA +44 (0)20 7492 0407 email@example.com or email@example.com


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ahhh, yes, perfectly relaxing!love, k
It looks so much fun, what did you read on the beach? I have just started 'The Elegance of the Hedgehog' by Muriel Barberry. Translated from French.
Nice. I got to spend a little time on the beach myself a couple weeks ago. It is such a tranquil place. Even when nothing it new, right?! ;) Ah, lovely!


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Restoration of Firearms Rights in Michigan After Felony Conviction
Michigan law provides that if you have been convicted of a felony you may not use, possess transport, sell or carry a firearm for a period of either three or five years. After this period has elapsed limited firearms rights under state law will either be returned to you automatically, or you will be required to affirmatively seek to restore such rights by petitioning a judge. It is important for you to understand that any restoration granted applies only to your eligibility under Michigan law. Although pursuant to Michigan law you may lawfully use, possess, transport and sell a firearm, you may still be prohibited from same under Federal law. This means that:
After restoration of your rights, the only firearms you can possess or use are certain types of firearms that do not take a modern cartridge, i.e., a pellet rifle, muzzle-loader, or black powder gun.
Knowing these limitations, if you are still interested in a restoration of your firearms rights, then you should also know that the specific felon in possession statute appears in the Firearms chapter of the Michigan Penal Code, and is found at Michigan Compiled Laws § 750.224f. This law defines the term "felony" as being a conviction for a crime that is punishable by imprisonment for four years or more. Some felonies are punishable by maximum terms of less than four years, and if you were convicted of such a crime, then this law will not prohibit you under this statute.
If you were convicted of a non-specified felony then you may not use, possess transport, sell or carry a firearm until the expiration of three years after all of the following circumstances exist; (1) you have paid all fines imposed for the violation, (2) you have served all terms of imprisonment imposed for the violation, and (3) you have successfully completed all conditions of probation or parole imposed for the violation. If you were convicted of a non-specified felony, then you need do nothing upon the expiration of the three years to secure the return of limited firearms rights. They come back to you automatically.
If you were convicted of a specified felony, then you must wait until the expiration of five years. Under this law, the term "specified felony" means a felony such as burglary of an occupied dwelling, or breaking and entering an occupied dwelling, or arson, or a felony in which 1 or more of the following elements exist (1) The felony involves the use, attempted use, or threatened use of physical force against the person or property of another, or that by its nature, involves a substantial risk that physical force against the person or property of another may be used in the course of committing the offense; (2) The felony involves the unlawful manufacture, possession, importation, exportation, distribution, or dispensing of a controlled substance, and (3) The felony involves the unlawful possession or distribution of a firearm or firearm.
If you were convicted of a specified felony, then your firearms rights are not restored to you unless and until you have filed a successful petition in the circuit court in the county in which you reside. You must wait five years before filing a petition. After the petition is filed, in most cases the judge to whom the case is assigned will schedule a hearing where the petitioner or his or her attorney will appear and argue to the judge why the firearms rights should be restored. The judge will then make a finding based on the criteria set forth above for the non-specified felony with one added provision. For specified felonies the judge is also required to make a determination that your record and reputation are such that the individual is not likely to act in a manner dangerous to the safety of other individuals. The burden of proof is clear and convincing evidence, which is a very high standard of proof. However, if the court finds that you meet the necessary criteria and have met your burden of proof, then it is mandatory for your firearms rights to be restored because the law says the judge "shall" restore your
Finally, it is important to know that this law does not apply to a conviction that has been expunged or set aside, or for which you have been pardoned, unless the expunction, order, or pardon expressly provides that the person shall not possess a firearm or ammunition.


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Polyps are tissue growths that extend out from the lining of the gastrointestinal system. They may occur in the stomach, small intestine, or large intestine (colon). Most commonly, polyps are found in the colon. To learn more about the symptoms, diagnosis, and treatment of polyps in children, download the GIKids Fact Sheet on Polyps.
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Zhangjiagang jiasye import & export co.,ltd. is located in Zhangjiagang City, Jiangsu Province, which is near to Shanghai and Suzhou cities, south connect with Shanghai-Nanjing highway, north connect with State Road 204, enjoying convenient transportation access. Our company mainly deal many kinds of steel tube , brake tube and injection tube fitting , steel wire,steel bar which used on automobile, motorcycle, diesel engineer, hydraulic equipments; and some cutting and straightening machines which process these tubes and wires; and some forklift truck, manual hydraulic forklift and some parts. We have various kinds of products, with good quality and good service. Our product were widely sold to Southeast Asia, Mideast and Mid and south America etc..
Based on the idea : the company's life is steady quality of product, our motive power is good public praise of clients, our pursuit is the diversified marketing demand, we think product quality, communication, and credit as the key point of one company. We are not one trading company only, but sign the agreement with several manufacturers as strategic partners in long term. The plant take charge in product supply and technique support, we take charge in expanding the market and communication and feedback with end clients. Depending on solid technique team, advanced producing management and experience, high quality product and excellent sale service, our products have won many clients' consistent favor and approval.
Zhangjiagang jiasye import & export co.,ltd. always insist on caring for people, train a young, active and creative team, we become stronger and stronger every year continuously. We always keep relation as partner and friend with all our clients, become as strategic partners in long term. We grow up and improve together continuously, go ahead in future!


text: EDIT: We have a winner! By random number generator, the winner is Meghan Kyte :) Meghan, be sure to check your email! What to do with 500 yards of tonal yarns? What if I add another 500 yards in a neutral palette? I'm looking for the perfect pattern to show off my new Painter Palette line, and I need my knitters to weigh in! I've put together a few sample combos to show off how my neutrals and palettes could be paired, and I'm looking for the perfect pattern suggestion. The winner will get a Painter Palette kit in my Killarney sock, in their choice of colours! All you have to do is leave a comment on this page letting me know what pattern you think would work (something with 3-5 colours is ideal), then share the contest on your Facebook, and blog for additional entries (be sure to let me know you did!) Below are some of my ideas for combos, but no need to stick to what I've done :) Shawls and sweaters… everything is kosher as long as it's either fingering or sport weight. Raincloud and Mt Fuji. Charcoal and Monarch Ecru and Eggshell Jade and Sundown


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Mosaic Tiles Canberra
Looking for exceptionally designed mosaic tiles in Canberra? ExoTiles are the best mosaic tile suppliers Canberra can offer. Ideal for a wide range of applications, the sophisticated, textural designs of ExoTiles' mosaic collection ooze elegance in bathrooms, kitchens, outdoor and commercial areas.
ExoTiles is proud to offer the most exclusive collection of mosaic tiles in Canberra. Our diverse collection of mosaic tile designs add an element of depth and texture to every commercial or residential property, whether it be through means of our mosaic kitchen splashback tiles, mosaic bathroom tiles or outdoor designs with mosaic artworks in Canberra.


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Also Trito (Τριτώ) and Tritogenes (Τριτογενής), a surname of Athena,1 which is explained in different ways.
Some derive it from lake Tritonis in Libya, near which she is said to have been born;2 others from the stream Triton near Alalcomenae in Boeotia, where she was worshiped, and where according to some statements she was also born;3 the grammarians, lastly, derive the name from τριτώ (tritō) which, in the dialect of the Athamanians, is said to signify "head," so that it would be the goddess born out of the head of her father.4
- Homer. Iliad iv, 515, Odyssey iii, 378; Hesiod. Theogony, 924.
- Euripides. Ion,. 872; Pseudo-Apollodorus. The Library i, 3.6; comp. Herodotus. Histories iv, 150, 179.
- Pausanias. Description of Greece ix, 33.4; comp. Homer. Iliad iv, 8.
- Scholiast on Apollonius Rhodius, iv, 1310; comp. Homeric Hymns, 28. 4; Hesiod. Theogony, 924.
- Smith, William. (1870). Dictionary of Greek and Roman Biography and Mythology. London: Taylor, Walton, and Maberly.
This article incorporates text from Dictionary of Greek and Roman Biography and Mythology (1870) by William Smith, which is in the public domain.


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This vegetarian dish has the best vegetables for stir fry and teriyaki sauce recipe. Sautéed split peas, Brussels sprouts, and chopped carrots are delicious and fresh. I know you will love this colorful and healthy recipe.
Split peas are the agricultural and culinary preparation of the dried and peeled seeds of the pea. They are rich in nutrients like protein, fiber, and folate. Also in vitamin B1, and folate. The vegetables for stir fry also contain Brussels sprouts.
Brussels sprouts are another very nutritious green vegetable you should eat. The Brussels sprout is related to cabbage and grown for its edible buds. It's packed with protein, fiber, and vitamin C. They're really delicious with the teriyaki sauce recipe too.
These vegetables for stir fry are fresh and delicious.
Other ingredients for the stir fry include red onions, coconut oil, carrots, and sprouts. Also purple cauliflower and goat cheese. Vegetables for stir fry are mouthwatering with goat cheese! Ingredients for the teriyaki sauce recipe include garlic, vegetable oil, water, and rice vinegar.
Also soy sauce, packed brown sugar, honey, minced ginger, and cornstarch. When you make the sauce it's important to brown the garlic in the oil first before adding the other ingredients. Then add in the soy sauce and rice vinegar before adding the water as well.
Bring the Sauce to a simmer and then add the brown sugar and honey. Continue to simmer the sauce before adding the corn starch and allowing it to sit for 20 minutes in order to thicken. It's a delicious vegan sauce to eat with any vegetables for stir fry.
In order to make the stir fry you need to brown the onions in a large skillet with the oil. Then proceed to cook the split peas in water. Once the peas are fully cooked add in the remaining vegetables and top with goat cheese.
Teriyaki Sauce for Split Pea Stir Fry
This vegetarian dish has the best vegetables for stir fry and teriyaki sauce recipe. Sautéed split peas, Brussels sprouts, and chopped carrots are delicious and fresh. I know you will love this colorful and healthy recipe.
- Ingredients For The Sauce
- 2 cloves garlic (peeled, minced)
- 2 tbsp vegetable oil
- 1 cup water
- 1 tbsp rice vinegar
- 1/4 cup soy sauce
- 1 tbsp packed brown sugar
- 1 tbsp honey
- 1 tsp minced ginger
- 2 tbsp cornstarch
- Ingredients For The Stir Fry
- 1/2 cup dry split pea
- 1/4 cup chopped red onions
- 2 tbsp coconut oil
- 1.5 cup water
- 2 cups chopped Brussels sprouts
- 2 cups chopped carrots
- 3/4 cup sprouts
- 1 cup chopped purple cauliflower
- 3/4 cup goat cheese
Directions For The Sauce
Brown the garlic in the oil using a sauce pan on medium heat
Add in the rice vinegar and soy sauce and ginger and whisk
Add in the water and whisk
Add in the brown sugar and honey and whisk
Bring to a simmer on medium low heat with the lid on
Cook for 5 minutes
Remove heat, add in the cornstarch, whisk vigorously
Allow to cool for 20 minutes to thicken
Directions For The Stir Fry
Combined onions and oil in a large skillet on medium heat and sauté until the onions are brown.
Then add in the dry split peas and water and put the lid on top of the skillet.
Simmer for about 10 minutes until the peas absorb all the water.
Then add in the purple cauliflower and Brussel sprouts put the lid back on and cook for another 5 minutes.
Remove heat and top with sprouts and goat cheese.
Break Out of Your Old Routine! Six Stir-fried Vegetables Recipes to Enjoy Using New Sauces


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Darren Paltrowitz and Scott Goodstein discuss scott's involvement in importing Yebiga (Balkan slivovitz) and other projects.
"Scott Goodstein is probably best known for his work with unique political campaigns that blend art, music, and culture. Having co-founded Punkvoter.com, Rock Against Bush, Artists For Obama, Artists For Bernie, DailyAction, CreativeMajority, and LadyPartsJusice, he has built impactful programs that have changed the world in which we live."


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Can Smoke Detectors Survive Water Damage?
Smoke alarms and detectors are incredibly useful tools to have in your home, as they can save your life. Unfortunately, however, most people have experienced false alarms from these smoke detectors, making them less effective than they should be. That's why it's imperative to keep your smoke detector and alarm system charged and clean at all times, and don't put them in places where they may get damaged due to water. Doing so will prevent false alarms and may even save you and your family when there is an actual fire in your home.
Many people have wondered whether their smoke detectors can work perfectly fine if they have been damaged by water. The answer to that is a resounding no because smoke detectors and alarm systems rely on batteries, and if water gets into a battery source, it will corrupt the entire system. Therefore, you're better off purchasing a brand new smoke detector than using one that has been damaged by water.
The Problem with Water and Smoke Detectors
One of the main issues that smoke detectors have with water is that water is wet, and the machinery inside the smoke detector won't react well to that. On top of that, the water vapor coming out from a bathroom as you're taking a hot shower can have the same effect on the system as that of smoke. That may cause your smoke detector to start going off, and if it doesn't, the condensation on the smoke detector isn't conducive to its functionality at all.
Apart from that, water leaking from the roof of your home can also get into your smoke detector, causing the wiring to malfunction, and your smoke detector may go off or may stop working entirely. Keep in mind that if you're installing a fire alarm near a water source, the water can easily get inside the system. Once inside the smoke detector, the water will corrode all the wires and damage the smoke detector's electrical wiring system and circuitry.
What Should You Do With Water Damaged Smoke Detectors?
A smoke detector that has been damaged or corrupted by water is of no use to you, as it will often set false alarms inside the home or not work at all. You can use it for decorative purposes or throw it out of the home entirely; the choice is yours. Most people tend to use smoke detectors as decorative pieces, where they will have them hanging on the walls or the doors, usually as a sign not to smoke indoors or to show that there is a smoking hazard inside.
The primary purpose of the smoke detector and alarm system won't function as it won't go off if there is smoke inside the house to warn you of a potential fire. It will only be an ornament that will decorate your walls. Therefore, you can choose to throw it away and purchase a new one, but make sure that you don't install your new smoke detector in the same spot as the last one.
You should first fix the problem of the leaking water or condensation build-up in that section of your home before installing a new smoke detector. That's because the new smoke detector will fall victim to the same faults that befell the previous one, and you will not get value for your money. Also, it's not wise to install a new smoke detector in the place of the older one as if it didn't work last time; it won't work the next time.
Install Waterproof Smoke Detectors
If you're worried about water damaging your smoke detector and fire alarm system, the best thing you can do is to get waterproof smoke detectors. These are incredible devices that can survive water damage and notify you if there is significant smoke build-up inside your home. They are potential lifesavers and will help those individuals whose homes have flooded and are worried about a fire situation occurring in their homes.
Keep in mind that waterproof smoke detectors tend to be expensive, so you will be spending a significant amount of money getting one. Nevertheless, they are worth every penny, so you shouldn't be worried about getting value for money if you choose to get one installed in your home.
Call 911 Restoration of Boston
If you're worried about fire or smoke damage in your home or have a water-damaged smoke detector system installed in your home, call 911 Restoration of Boston today. We have helped numerous homeowners with faulty smoke detectors and fire alarm systems and provided emergency fire damage restoration services and repair work.
You can never tell when disaster may strike, but smoke detectors are meant to warn you about potential fires. Getting a waterproof smoke detector may help save your life, especially if your home has suffered water damage and you're worried about a fire hazard. Get in touch with us today.


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FAO Report Warns of Continued H5N1 Danger
GLOBAL - An international task force from the UN Food and Agriculture Organization (FAO) is concerned over declining support for monitoring H5N1 highly pathogenic avian influenza (HPAI), despite disease persistence and spread.Juan Lubroth, FAO's Chief Veterinary Officer, said: "Unfortunately, H5N1 may have slipped off the radar screen for some people but it continues to be a major problem, especially in Egypt and parts of Asia, where it is having a huge impact on food security and the livelihoods of farmers and local communities."
H5N1 HPAI has not been restricted to Asia alone, he added, outbreaks having also occurred in Europe, Central Asia and parts of Africa.
Further Reading
- | You can view the full report by clicking here. |
Further Reading
- | You can visit the Avian Flu page by clicking here. |


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Well, it's the end of 2022, and while Elsie and Emma share their favorite things all year long, we thought it would be fun to share their top 10 purchases of the whole year and see what made the top of the list!
From their favorite books to beauty products, here are the all-time faves (and what they love about each item) for the year.
Ready to take down your Christmas decor? Check out:
- Organize and Store Your Christmas Decor Like A Pro!
- 3 Ways to Store Bottle Brush Trees!
Elsie's Favorite Buys:
Favorite Book:
"To be fair, I had like 10 favorite books. This was my favorite popular novel that MORE than lives up to the hype it receives."
Most Worn Item:
"I wear these boots nonstop. They are perfect with tights and dresses or jeans. They make me feel like a cool mom (not a regular mom …)."
Favorite Coffee Table Book:
"This mini art book shows 400 paintings from one of my favorite surrealist painters. It inspires me that it's OK to have so many different styles and phases over the decades. It's very beautiful and weird!"
Favorite Etsy Purchase:
"Personalized library stamp! I got this with my kids' names for their new library (which you can see here!)."
Best Investment in Creativity:
"I have been taking classes on Masterclass all year. I love the pacing of them and that I can fit them into my busy work/mom life. I love taking e-courses as a way to build my confidence as a creative person. Protecting your creativity is so important at all ages and phases of life."
Emma's Favorite Buys:
Favorite Beauty Item:
"I use this serum at night and love it! You can also blend a little bit into your foundation for a dewy day look."
Favorite Travel Item:
"I love this backpack for travel, but I also use it anytime I'm taking my laptop somewhere. It has a built-in USB charging port, too!"
Favorite Night Routine Purchase:
"I put this lip mask on every night before bed, and it's especially great in the winter."
Favorite Etsy Purchase:
"I wear this stackable ring everyday—it's customized with my son's name."
Favorite Home Item:
"We have four of these light fixtures throughout our new home."
There you go! The top fave finds of the year.
You can see more of Elsie's favorite clean beauty finds or the best affordable traditional light fixtures (for every room!) if you're looking for more home decor lighting options. Let's see what new favorites appear in 2023!


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(Presidentialwire.com)- After two days of voting, the House of Representatives adjourned Wednesday night after a sixth vote for Speaker of the House failed to produce a majority winner.
By Wednesday night, Republican Kevin McCarthy's quest for the Speaker's gavel remained out of reach as 20 Republican members hold fast in opposing him.
The House reconvened just before 8:00 pm Wednesday when Congressman Tom Cole raised a motion to adjourn until Thursday at noon. The adjournment vote passed, 216 to 214, with most Republicans wanting to adjourn while Democrats wanted to hold a seventh vote.
Voting for Speaker is the first order of business for the new Congress. Until a Speaker is selected, the 118th Congress can't be sworn in.
Tuesday was the first time in 100 years that a Speaker of the House was not elected on the first ballot.
McCarthy told reporters after the sixth vote that he didn't believe holding another vote Wednesday night would make "any difference." McCarthy said it would be better to give people "some more time" to work things through.
During the fourth, fifth, and sixth votes on Wednesday, McCarthy received 201 votes while the Democrat nominee Hakeem Jeffries received all 212 Democrat votes.
Leading the Republican effort to oppose McCarthy are Matt Gaetz (FL) and Andy Biggs (AZ).
The other members voting against McCarthy are Dan Bishop, Lauren Boebert, Josh Brecheen, Michael Cloud, Andrew Clyde, Eli Crane, Bob Good, Paul Gosar, Andy Harris, Anna Paulina Luna, Mary Miller, Ralph Norman, Andy Ogles, Scott Perry, Matt Rosendale, Chip Roy, Keith Self, and Byron Donalds.
Donalds had voted for McCarthy in the first two rounds on Tuesday only to vote against him in the third round. On Wednesday, Congressman Roy nominated Donalds as Speaker. Donalds then garnered support from 20 Republicans during the fourth, fifth, and sixth rounds of voting.


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Dear ASP's® and ASPM's®:
It is my joy and pleasure to announce and introduce to you a new Stagedhomes.com vendor: WAYFAIR. Through Wayfair you can save money in the purchasing of your ASP®and ASPM® inventory! Many of you know or have heard before how fabulous Wayfair is. They have everything you could ever want or need.
I have listed Wayfair on our vendor page on The Staging University® (they are alphabetically listed). You can easily find them there right now by clicking The Staging University® link login in the sentence above!
Get ready to experience the next level in Staging service! I invite each of you as an ASP® Home Stager to enjoy their Trade Services. They will provide you with trade pricing, exclusive product collections, and personalized service from a personal representative of your own who knows our industry inside and out.
Please enjoy the/your benefits across their family of brands: these include Wayfair, All-Modern, Birch Lane, Dwell-Studio, and Wayfair Supply.
It is easy to become a member. Fill out their short application and they already have our designation ASP® for you listed to click when you register and then email them your tax ID # or your business license copy and they will almost immediately email you back with your approval from your new personal representative and your new password, etc. to log into Wayfair to SAVE MONEY!
I am very excited about working with Wayfair and I hope you are happy and excited about this too. I am so pleased with their organization, and their follow-up and follow-through!
Always working for you…
Blessings and Happy Thanksgiving to you and yours!
Barb Schwarz, ASP®, ASPM®, AB, IAHSP Premier® ASP-SRS®, ASP-REO®, ASP®-BTS
The Creator of Home Staging®
The Creator of The CAREERBook®
CEO www.Stagedhomes.com
IAHSP® Founder and Chairwoman of The Board of The International Association of Home Staging Professionals® and Foundation www.IAHSP.com


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Ultimate Tech Tips for Teens on the Go
April 18, 2024
Read MoreYour travel tribe is clutch. Exploring the world with people who share your interests makes the group experience so much better. So how do you get everyone in your group super excited for the adventure ahead? Here are 5 easy ways to inspire your travel tribes!
Right from the start, make a personal connection with your crew. You may already know the people in your tribe. That's great! You have a history, understand personalities, and have possibly traveled together in the past. Use your relationships to build excitement for your journey. Launch your travel campaign with a funny story or experience everyone remembers or can relate to.
If you have newbies on your trip or people joining your tribe from different places, make it a point to welcome them warmly and make them feel like family from the start. Start a social media group chat so travelers can introduce themselves or share what they hope to get from the group travel experience.
Create a forum for communication early that makes your tribe feel comfortable and connected.
Once your peeps are signed up and ready to go, host a virtual pre-trip tour party. Give them a taste of the attractions and activities they'll experience on the tour. Encourage them to try some local flavors or beverages at home by sharing recipes for your viewing party. A virtual tour is an awesome way to spark enthusiasm for your trip.
Here's a great example of a virtual sneak peek…
Everyone imagines themselves to be a professional photographer when they travel. At the very least, we all love a good selfie! Use a great photo-sharing platform like Amazon Photos or Yogile to exchange photos on the go. Each member of the group can enjoy spectacular shots during the journey while getting to know each other better.
Once the trip is over, use the photos to create a movie of the trip.
How to Make A Travel Video with Music
Since you're traveling with your tribe, you already know you have some common interests. Be sure your itinerary reflects those interests!
Include at least one or two group activities centered around your reason for travel. For example, if you're traveling with musicians, plan a performance at an amazing venue. If you're going on a foodie tour, book time in a local kitchen for cooking classes. Maybe you're taking a family trip – spend some time exploring family-friendly attractions as a group.
While you may not want to do everything with everyone, time together is a key part of group travel. Make it count by organizing great group travel experiences!
Make your final night together one your travelers won't forget! Host a special celebration or plan an extraordinary excursion that bookends your group experience in style.
Your job as a group travel leader is to inspire your travel tribes to want to adventure with you again and again. Build anticipation for the journey ahead and unforgettable memories to cherish. Your tribe will be ready for whatever you throw at them next!
Related Reading: 3 Great Ways to Help You Learn to Be A Better Group Travel Planner
Updated October 2023
April 18, 2024
Read MoreApril 4, 2024
Read MoreMarch 21, 2024
Read MoreMarch 7, 2024
Read MoreFebruary 29, 2024
Read More


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The inaugural weekly meeting of the third year of the xAPI design cohort was held on February 5th. The design cohort was launched in order to create a contribution to the learning technology community with the Experience API (xAPI) by forming teams to discuss and solve design projects and solutions. Over 16 teams have joined the cohort, comprised of participants from around the globe (including members from the U.S., Taiwan, the U.K., Latvia, Australia, Nepal, and India).
Participants in the cohort have honed in on several subjects to tackle as a group. Subjects include: use of the xAPI with virtual patient medical education simulations, the role of xAPI in transmedia learning, the xAPI and the "Internet of Things" (a concept that refers to the interconnected network of physical objects embedded with electronics, software, sensors, and/or connectivity that allow "things" to exchange data with manufacturers, users, or other devices), open educational resources and xAPI, and xAPI integration in augmented reality.
The design cohort meets every Thursday at 1500 Eastern, and is scheduled to run until 14 May. Among future projects of the cohort, an xAPI "bootcamp" is in the works, to be scheduled at a future date. To learn more about the xAPI design cohort, visit the Google Group site!
What is xAPI?
The Experience API (xAPI) is a means of tracking training or learning (formal or informal) experiences using a data structure similar to activity streams. Both xAPI and the activity streams consist of an actor (someone who does something), an action, and an activity the person performed.
It uses a lightweight and modern programming structure that is extensible. xAPI has grown from a Broad Agency Announcement project through ADL into a specification through a community effort.
The main benefit to using xAPI is it that it uses natural language in a structure that is also computer readable. This means that anything that can be said or described can be tracked. Currently there are xAPI efforts underway in Army, Navy, JKO, DoT, and the National Park Service, as well as numerous academic, industry (including Adobe), and foreign organizations.
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Where to Buy
- Whitewater Ski Team Ski Swap: Usually held 1st Sunday in November
- Facebook: Whitewater Ski Team Members Group Page
- Nelson: Village Ski Hut
- Online: Fernie Alpine Ski Team
- Online: Whistler Mountain Ski Club
- Online: SkiCatalogue.com
- Online: Race-Werks
- Online: Race Place
- Online: Reliable Racing
- Online: Skiis and Biikes
Entry Level (9 years old and younger)
- Skis of appropriate length. Race skis aren't necessary and twin tips seem to be the all-around Nelson young ripper ski of choice.
- Boots that fit properly. Young skiers are happier and ski longer with boots that fit well.
- Ski poles of correct length.
- Ski helmets are mandatory with a hard shell covering of the ears.
Provincial Racing
There are sizing charts below too!
Please discuss details with your age specific head coach. This list sets out guidelines but do not let it deter you! You can wait until U14 to get GS skis and poles if you prefer.
- Ski Race Helmet –FIS approved No Exceptions! – See photo with FIS sticker (must have hard covered ears and screw holes for chin guard). Non FIS, and slalom helmets can be used in Slalom but with chin guard.
- Removable chin guard (Chin guard for Sl only, not permitted in GS training and racing as can cause neck injury)
- Speed suit
- Zip off warm up pants or shorts (for use at races and training over suit)
- Shin protection
- Back Protection for Speed Training and Racing. U14 and up: GS and Speed Events back protection mandatory starting in 2018/19 season!!!!
- Pole guards
- Slalom poles (straight) with guards and GS poles (or regular poles without guards), also powder poles with bigger baskets recommended.
- Slalom skis –see sizing chart below
- Giant slalom skis (a nice to have but not required until U14)
- Powder skis! Same length as GS skis!
- Performance 4 buckle boots. Approximate Stiffness: 70 maximum for U12, 90 for U14, 100-120 for U16, 130 and up for U18
- Boot bag to carry all this gear every day.
- Athletes own Screw driver for removing chin guard etc.
- Basic ski tuning gear including: Scraper, File guide and file, Diamond Stone, Waxes, Brake elastics, Brushes. One nylon, one nylon brass combo, Iron, Folding table, Vices, Tool box for gear while travelling
- Mouth guard (like hockey players wear – for concussion prevention)
- Ski pass on lanyard (around neck so that racers can strip down into their suits and be wearing their pass)
- Running shoes for Dryland and for warm up at away races.
- Sunscreen
- Lip protection
Basic Ski Sizing
Boys | Slalom (cm) | Giant Slalom (cm) |
U12 (10, 11yrs) | 135 | 155 |
U14 (12, 13yrs) | 145-155 | 175-185 |
U16 (14, 15yrs) |
155 FIS womens flex (stiff), or if softer (masters) then up to 165 |
180-188 25m Radius |
U18, U21, Masters | 165 FIS mens flex | Mens FIS length and radius |
Girls | Slalom (cm) | Giant Slalom (cm) |
U12 (10, 11yrs) | 130 | 150 |
U14 (12, 13yrs) | 140-150 | 165-180 |
U16 (14, 15yrs) |
150 womens flex (stiff) or 155 if softer (masters) flex |
175-185 23-25m radius |
U18, U21, Masters |
Womens FIS length and radius |
Ski Boot Flex
All boots should be a 4 buckle with powerstrap. There is no standard flex system so there this will vary between brands. In order to see if there is enough flex the athlete should be able to have some back and forth movement and be able to use the ankles while jumping vertically.
Approx. Flex | |
U12 (10, 11yrs) | 70 |
U14 (12, 13yrs) | 70-100 |
U16 (14, 15yrs) | 100-130 |
U18, U21, Masters | 120 and up |


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According to the latest quarterly statistics showing US smartphone market share, Google's Android remains on top of the smartphone pack, with a gain in share of almost 8 percent over the period. This gives Android a solid 32.2% of the US market. RIM is in the second place with 30.4% of the market, but after a 5 percent drop in share. Apple's share of the market (24.7%) remained largely unchanged for third place.
This was the first period tracked by comScore since the debut of Microsoft's Windows Phone 7. Windows Phone 7 dropped almost 2 percent over the period (from (9.7%) [source]


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Create a free profile to get unlimited access to exclusive videos, breaking news, sweepstakes, and more!
Authorities Launch Website Dedicated To Finding Missing Mollie Tibbetts
The site narrows areas of interest and lists behavioral changes that somebody involved in foul play may exhibit.
A website has been launched in the hope of finding Mollie Tibbetts, a 20-year-old University of Iowa student who went missing on July 18 after going for an evening jog.
Tibbetts was last seen jogging in Brooklyn, Iowa.
"There have been no credible sightings of, or communications with, Mollie since that time," the website, Findingmollie.iowa.gov, states. The site launched on Monday and authorities said they've already had to set up a new server to deal with all the web traffic, according to KCCI in Des Moines. The site is a joint effort between the Iowa Division of Criminal Investigation, the Poweshiek County Sheriff's Office and the FBI. The Iowa Division of Criminal Investigation announced the launch on Monday.
"It's just another avenue for people to use, another conduit to provide information to us and the investigative team, and so some people are more techy than others," DCI Special Agent Rick Ruhn told the news outlet.
The website features a map of the area where Tibbetts vanished with five highlighted areas, which can be clicked for further information. Police are looking to speak to witnesses who were in those areas between the hours of 5 p.m. and 10 p.m. on the day Tibbetts went missing.
"Although we have not ruled out any scenario that could explain Mollie's disappearance, we must consider the possibility that foul play is involved," the website states. "Individuals who commit violent crimes often exhibit behavior that is recognized by those with whom he lives, works, attends school, or is in an otherwise close relationship with."
It goes on to note that people may notice a behavioral shift in someone who committed a crime.
"They will recognize the change and may even question them about it, but will not relate the change to that person's involvement in a crime."
The website then lists possible characteristics that a person of interest may exhibit:
- Change in normal routine, which might include missing school, work, or routine engagements without a plausible explanation;
- A vehicle unexpectedly taken to a repair shop or sold/disposed of;
- Unexpected or intensive cleaning of a vehicle, possibly at an unusual time of day;
- Unexplained lack of contact or inability to get in touch with someone you know the evening of July 18th into the morning of July 19th;
- Altering of physical appearance (growth or removal of facial hair, change in cut or color of hair);
- Displays of anxiety, nervousness, stress or irritability;
- Unexplained injuries;
- Changes in consumption of alcohol, drugs or cigarettes;
- Changes in sleep patterns;
- Interest in the status of the investigation, including close attention to media coverage or an unwillingness to discuss the investigation.
The reward for Tibbetts' safe return is now over $366,000. Anyone with information should contact Crime Stoppers of Central Iowa at 1-800-452-1111.
[Photos: Iowa Division of Criminal Investigation]


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The Massachusetts football team announced its third scheduled game of the season, taking on fellow FBS Independent Liberty on November 27 at noon on ESPN3.
The Flames (5-0) have started their season scorching hot, holding their opponents to under 20 points per game. They have beaten Western Kentucky, Florida International, North Alabama, Louisiana-Monroe and Syracuse.
UMass (0-1) is coming off a 41-0 loss to Georgia Southern. Prior to playing Liberty, they will take on Marshall on Nov. 7.
The Minutemen and the Flames have faced off the last two seasons. In 2019, Liberty dominated at McGuirk stadium, beating UMass 63-21 behind a four touchdown, 441-yard first half from quarterback Stephen Calvert. Liberty finished the game with 730 yards of offense.
In 2018, UMass and Liberty dueled through three overtimes, with the Minutemen coming out on top 62-59. Andy Isabella racked up nine receptions for 303 yards and two touchdowns in the win.
COVID-19 protocols currently have the Minutemen quarantining after game-weeks, with limited team practices allowed until all players test receive three consecutive negative test results.
Dan McGee can be reached at [email protected]. Follow him on Twitter @TheDanMcGee.


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1. I am voluntarily choosing to attend, view and/or participate in activities that I know are adult-oriented and sexually explicit. I understand and agree that any services, sessions, events, activities or experiences I participate in or witness are with my consent.
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Original 1959 Oil and Gas trade vintage catalog for CAMPBELL CHAIN COMPANY. Main office and plant was located in York, PA and West Burlington, IA.
Manufacturers of Oilfield Chain.
Products include Measure-Mark Cam-Alloy Steel Chain, Measure-Mark Campbell High-Test Steel Chain, High Test Winch Line Chains, Boomer Chains, and Spinning Chains are all featured.
Has numerous product images, illustrations, descriptions, applications and specification charts provide extensive product details. Unbound from a large 1958-1959 Catalog of Oil Field Equipment, this unique old one-page technical specifications brochure would display beautifully matted and framed. Nice graphics. A fabulous addition to your retro petroleum industry library.
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A warm Bahamian welcome awaits at Sheraton Nassau Beach Resort, ideally situated on a 1,000-foot stretch of Nassau's most spectacular white-sand beach. From the moment you arrive, you'll be treated to gracious Bahamian hospitality, thoughtful amenities, and an abundance of activities – from swimming to snorkeling, sailing, and exciting water sports.
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Andy Burnham: I shall give way first to the right hon. Gentleman and then to the hon. Gentleman.
Mr. Redwood: Will the Minister tell us what our total gross contribution as a country will be between 2007 and 2013?
Andy Burnham: I will answer the right hon. Gentleman, but Members are tempting me to the meat and detail of my speech before I have reached them. The overall gross contribution will risethe figure is a rough one; obviously, we are talking about forecastsby about 3 per cent. a year during this financial perspective. I shall come directly to the figures later. Obviously, there was a bigger increase in the net contribution rather than the gross contribution.
Andy Burnham: I apologise to the hon. Gentleman; he has waited a long time.
Philip Davies: The Minister has been generous in giving way. He takes the view that the deal is good for Britain and that spending all that money is in our interest, and I disagree fundamentally. The Court of Auditors has refused to sign off the accounts for the 13th year running. Even if one accepted the Ministers argument, one would still have to ask how on earth he can say that it is in British taxpayers interests to keep giving more and more money to a body open to so much fraud and whose accounts the auditors will not sign off. Is there, anywhere in the world, any other organisation whose accounts have not been signed off by auditors, but to which the Treasury would agree to keep giving more and more money?
Andy Burnham: I hope that the hon. Gentleman will keep his seat, because I am going to read out one of his own quotations latera treat that we can all look forward to. The statement issued by the Court of Auditors last week showed some progress, but it was disappointing, and there needs to be further progress. Let me refer him to a report by the House of Lords on this issue, which states that
the failure to give a positive Statement of Assurance does not tell the whole story...Firstly, we argue that a lack of a positive Statement of Assurance does not necessarily indicate that high levels of fraudulent or corrupt transactions have taken place.
[ Interruption. ] I simply refer the hon. Gentleman to that learned document on the European accounts, which he should consider before he indulges in his sweeping and ill-informed generalisations about what those accounts mean.
Mr. Cash:
May I try to correct something on which I think that the MinisterI say this in all fairnessmisled the House just now, as did the right hon. Member for Rotherham (Mr. MacShane)? Misled is perhaps overdoing it, but they inadvertently got their figures a little muddled. The figures on net contributions per head, which are of extreme interest to individual members of the electorate, produce a quite different answer from that proposed by the right hon. Member for Rotherham. In the United Kingdom, we pay €124 per head, which is the third most. Denmark pays the second most, with €127, and the
Netherlands pays the most€241. Germanys net contribution per head is only €100, while France pays only €50. Does not that rather blow his argument out of the water?
Andy Burnham: I know that the hon. Gentleman gets heated on these matters, but I urge him to use temperate language. I have not misled the House. He has brought his own set of figures to the debate. The point that I was clearly making was that on the basis of gross national income, the agreement that we are about to discussI hope that he will begin to let me discuss it in more detailleaves France and Britain in rough parity in terms of our overall contributions to the EU budget. I stand entirely by what I said.
Mr. MacShane: Assuming that the hon. Member for Stone (Mr. Cash) is reading from the same document as me, the UK is at the bottom of the column, where it says that the figure is €68 per head. He read out the Swedish figure of €124 per head. I am tempted to say something to him in Swedish, but it would be helpful if he were able to read a column of figures before contributing to the debate.
Andy Burnham: If anybody is watching at home, I will leave it to them to draw their own conclusions about who has been misleading the House.
Madam Deputy Speaker (Sylvia Heal): Order. I think that we should now move on. People are quoting different sets of figures, which are matters for debate. Perhaps we can now proceed.
Andy Burnham: A visit to an opticians in Stone might be in order, too.
This Government will continue to make the positive case for an enlarged and prosperous European Union as being directly in our national and economic interest. Britain benefits from being part of an open, prosperous Europe of 500 million people. The EU is Britains largest market by far, andI hope that Conservative Members will listen to this pointit follows that British business needs a Government who engage constructively in discussions about the operation and rules of that market. It is precisely because we engage constructively, rather than grandstanding and posturing, that we secure results that are in the national interest.
To aid our debate today, let me put some facts on the table. First, the Bill and the agreement that it implements will preserve the British rebate in full on all spending on the EU15 and on all agricultural spending on the EU27, irrespective of their accession dates. The abatement has the same basis as it did at its inception at Fontainebleau in 1984. The rebate will be disapplied only on non-agricultural expenditure, which primarily supports economic development in the member states that have joined the Union since 30 April 2004.
Mr. Peter Bone (Wellingborough) (Con): Will the Minister give way?
Andy Burnham: I shall give way to the hon. Gentleman, but let him answer this question: does his party support helping those countries to improve their economic development?
Mr. Bone: The Minister said that it was in our economic interest to be in the European Union. When we went into the Union, we had a trade deficit with the EEC of £1.327 billion. That was recalculated to be £11.3 billion, and todays balance of trade deficit with the European Union is £38 billion. That represents 80 per cent. of our trade deficit. When we went in, it was only 50 per cent. How is that an economic positive?
Andy Burnham: I fear that some more dodgy Tory figures are being quoted there.
Mr. Bone: On a point of order, Madam Deputy Speaker. Those figures were given to me by the Library.
Madam Deputy Speaker: That is not a point of order for the Chair, but the matter is now on the record.
Andy Burnham: I am glad about that.
The hon. Gentleman may not like it, but the EU is our largest trading partner. It accounts for 57 per cent. of our economy, and if he is arguing against that, I would like to see him justify what he says to the businesses in his constituency.
Mr. Quentin Davies (Grantham and Stamford) (Lab): Will my right hon. Friend take it from me, because I know a tiny bit about it, that Conservative statements on this matter have to be treated with the greatest degree of scepticism? A large number of Tories have no problem at all in making completely contradictory statements on anything to do with the EU because their actual agenda is to destroy our relationship with the Union in the first place.
Andy Burnham: My hon. Friend says it all. There speaks the true voice of experience and reason in this debate.
Chris Bryant (Rhondda) (Lab): I hope that the true voice of reason will continue now. The more important point about workers in this country is that if the new accession countries had not come into the European Union, they would still have been competing with Britain on jobs, but on the basis of weaker health and safety regulations and weaker workers rights; they would have been competing in the bargain basement. We need them to develop economically so that we can all compete on the basis of added value.
Andy Burnham: My hon. Friend makes an incredibly important point that produced silence from the Opposition Benches. Outside this Chamber, British businesses will understand his point and why it holds true for them and the competitiveness of this country. It is also true that the amount of trade that this country has with the A8 countries has increased significantly since their accession to the EU. It is a question of having not just a level playing field, but more trade as well. That has got to be good for the British economy.
Mr. Philip Hammond:
The right hon. Gentleman is making a valiant attempt to defend the indefensible. If the deal is such a good one for Britain, will he tell us why, when the previous Prime Minister came back from Brussels with it in his knapsack, the present Prime
Minister ran around briefing every journalist he could get his hands on that it was a bad deal for Britain and that he would never have signed up to it?
Andy Burnham: This was a deal that the former Prime Minister and the current Prime Minister jointly agreed, and if the hon. Gentleman and his hon. Friends will let me, I want to explain why. He has not exactly given me a chance to do so in the debate so far.
Mr. Siôn Simon (Birmingham, Erdington) (Lab): Will the Minister explain, because we find it difficult to understand, why Conservative Members interrupted him when he was talking about the disapplication with regard to economic development in accession countries in order to tell him about the deficit? How on earth can British markets be expanded unless economies are developed and expanded in the rest of the Union? It is economic illiteracy, and it is ridiculous.
Andy Burnham: It certainly is, and I am grateful to my hon. Friend for making the point. Any informed commentator listening to this debate outside will understand what he has just said. I would be interested to hear the discussions that the Opposition have with the CBI on such matters, because many of its members take a very different view from that which they put forward.
Daniel Kawczynski: Will the Minister give way?
Andy Burnham: I would very much like to make some progress from my first point, and that is what I shall do.
Secondly, on latest forecasts the rebate will rise in value over this financial perspective, not fall, to an average of €6 billion a year from 2007. As the former Prime Minister told the House, overall the abatement will get us back around €41 billion in this budget period, which is more than in the last one. Thirdly, the agreement will see sensible, restrained growth in the overall budget. The latest forecasts are that the budget will fall below 1 per cent. of EU gross national income in commitment terms by the end of the financial perspective. Overall, the budget will grow by just 7 per cent. across the financial perspective, as compared with growth of 17 per cent. in 1988 and 22 per cent. in 1994. I wonder which Government negotiated those EU budgets.
Mr. Davidson: May I clarify one point with the Minister? He says that our rebate is going up, but will he confirm that the rebate is a percentage of the difference between what we pay in and what we receive back? If the rebate is rising, the gap between what we pay in and what we receive is also rising. Rather than being enthusiastic about the rebate rising, we should look for it to fall, so that our gap falls, too. Surely that is the case.
Andy Burnham: My hon. Friend is correct that that is how the rebate is calculated. Indeed, the first line of article 4 of the Council decision on own resources says:
The United Kingdom shall be granted a correction in respect of budgetary imbalances.
Those on the Opposition Benches who claim that the rebate has been lost in the decision simply have not read the own resources decision. My hon. Friends point about the gap is correct, but that is because there is a disapplication of the rebate on economic and structural spending in the new member states, as I have explained. With those countries having been welcomed into Europe, our judgment is that the right thing to do morally is equip them to compete competitively. If we did not do that, we would be in breach of our responsibilities as a full member of the European Union. That explains the gap to which my hon. Friend has drawn the attention of the House.
Let me put on record more facts about the Bill. Fourthly, in response to the right hon. Member for Wokingham (Mr. Redwood), the UKs contribution is forecast to rise on average by 3 per cent. in real terms from 2007 to 2013. Fifthly, in answer to my hon. Friends question a moment ago, new member states will receive €158 billion in structural and cohesion funds in this financial perspectivea 250 per cent. increase on the previous financial perspective period. The share of new member states receipts will rise from 24 per cent. of the total to 56 per cent. in 2013. Lastly, because of the shift in spending from west to east, all wealthier nations will see their net contributions rise, some by more than others. In this financial perspective, French and UK net contributions will be in rough parity, with French and Italian contributions rising twice as fast as ours.
Rob Marris (Wolverhampton, South-West) (Lab): If we cut to the chase, are there not two key questions? One is: is the United Kingdom a member of the European Union or not? It is a club and there is a price to pay for belonging to a club, and I think that the price is well worth paying. The second question, the answer to which ought to be clear on the Labour Benches at least, is: are we in favour of redistribution of wealth? We certainly are on these Benches, particularly with regard to the Governments magnificent record both in international development and within the European Union, with redistribution of wealth from the west to the east, so that ultimately we will all be richer. So I have two questions: are we in or are we out, and are we in favour of redistribution of wealth?
Andy Burnham: I say yes to the first question. My hon. Friend has tempted me to give a non-new Labour answer to the second question, so perhaps a fudge is in order [ Laughter. ] I am joking, of course. He has made his point incredibly well. Let us cut to the chase, as he suggested. We support making a contribution to help the countries of eastern Europe to prosper. That is the crux of this debate. That is the difference. Let me get to that point.
The Leader of the Opposition said in a speech in March this year:
The British Conservative Party has long championed EU enlargement...In recent years, the transition from Soviet totalitarianism took place more smoothly than many imagined possible, thanks to the prospectnow fulfilledof EU membership for the countries of Central and Eastern Europe. But the work is not yet done.
He is right; the work is far from done. The economies and infrastructure of the new EU member states need considerable investment and support before those
states will be able to compete in the market on an equal footing, and that process of regeneration is now just beginning in earnest. The Leader of the Opposition is the self-styled champion of those countries, but what kind of champion does the easy bit, providing the fine words, but then looks shiftily away when asked to back up those words with real financial commitments from the wealthier, established EU nations? The countries of eastern Europe need real champions who are prepared to step up to the plate, not fair-weather friends whose words are worth nothing at all.
Daniel Kawczynski: I feel very cross with the Minister for suggesting that we do not want to help the eastern European countries. My grandfather came to this country from eastern Europe during the war, and we on the Opposition side of the House feel passionately about those countries. Our problem is that we do not expect the United Kingdom to have to stump up all the cash; France, Germany and the others should do so as well. The Ministers comments are outrageous.
Andy Burnham: Perhaps the hon. Gentlemans are, too. How on earth can he justify voting against the Bill tonight, if he says that he favours providing the support to help the economies of eastern Europe? How on earth can he troop through the Lobby to oppose the Bill when all the wealthier nations of Europe have agreed to make contributions to aid the economic development of eastern Europe? As I said to the hon. Member for Falmouth and Camborne (Julia Goldsworthy), Cornwall has benefited from structural funding, as has Merseyside. We have seen their economies improve. Ireland and Spain have benefited from the funding, and their economies have also improved. All our business benefits from those enhanced and improving economies, yet the hon. Gentleman wants to deny those opportunities to the economies of eastern Europe, even though his party claims to support them. That is disgraceful.
Mr. David Heathcoat-Amory (Wells) (Con): The Ministers case seems to be that public expenditure in eastern Europe is bound to be a good thing. Would he, however, put his own money into a company whose accounts had been rejected by the auditors for 13 years? If not, why does he want to increase the sum of public money to be committed over seven years, when the European Union has failed its audit test for the past 13 years?
Andy Burnham: Because I favour the development of the European Union and the peace and prosperity that the European Union has brought. It is delivering unparalleled living standards to its member states, principally the member states of longest standing. That is how I justify the measures. If the right hon. Gentleman had been listening to me, he would know that I said that they would bring much-needed social and economic regeneration to the parts of Europe that most need it. The long-term benefit of those arrangements will come to our economy, because they will increase our trade with those countries and build more prosperity in them. As my hon. Friend the Member for Rhondda (Chris Bryant) said a moment ago, they will also create a level playing field on which British companies can compete with companies in those countries when selling goods into the world market.
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We have seen how budesonide can restore normal collagen layer thickness. A remarkably similar effect occurs when the faecal stream is diverted by ileostomy.
Another study of a patient with severe collagenous colitis confirms that temporary faecal stream diversion restores the mucosal structure but relapses after the ileostomy is reversed. The authors hypothesise that a luminal toxic agent triggers the onset of CC
We now look at the possibility that bile acid could be a noxious factor.


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The young artist Ivelina Ivanova will be visiting with a painting exhibition in Burgas. The exposition will be presented in the "Fellowship of the Artists" Gallery Burgas. The opening is tomorrow at 18:30.
"Spaces and Horizons" is the first standalone exhibition of Ivelina Ivanova in Bulgaria, which presents artworks of the period 2017-2021.
"I am trying to show for how little time a man (the artist) can change, to grow, to lose himself, to search and find in a hectic world of multiple horizons, creating his own personal, extensive and narrow spaces from an expressive coloring and little calm which occurs after the long uproar of the hectic everyday life in the search of the chimera of a subconscious consensus," shares the artist.


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Russell Vang, Anna Yemelyanova
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Bone Grafting in Humble
One luxury technology has afforded us is the ability to encourage and even regenerate bone growth. So what does this mean for you and your smile? Maybe you've had a tooth extracted or experienced tooth loss from gingivitis. Today with a simple surgical procedure that is done right in our office, we can use bone grafting as a way to solve these issues.
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