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Soon after its achieving success on the very trail in addition to the path during the very Greater london 2012 Olympics, Britain is planning rowing loony. Stimulated by just silver medallists including Bradley Wiggins as well as Laurel Pendleton, many people will be eschewing cars for your even more green form with transportation.
In the event you have got some mobile phone, and then determine out Strava- it is normally a 100 % free app that lets you track your individual cycling improvement and promote it together with your friends. Rowing by you are able to get lonely, hence glimpse for folks in your own area who all might need to sign up for you on your rides.
Maintain Safety Cognizant
Helmets most likely are not the nearly all stylish involving items, however are the nearly all important digital camera you may buy, in addition to lights on your bike any time riding in the evening.
If you intend regarding getting a unique bike, after that view a professional look in order to get your okay just one in your dimensions along with your flexibility.
Travel Off-Road
Rowing all terrain could be a excellent way to improve your exercise bike handling competencies, particularly if you happen to be courageous enough to be able to try various jumps. Hard drive to quite a few tranquil lanes or perhaps fix songs, strip up your head protection and enjoy remaining off from the particular sounds together with targeted traffic. Off highway biking will also always be changed to a strong enjoyable spouse and children day outside. Little ones generally really enjoy riding a bike, especially when an individual combine steps into your route.
Refresher classes usually are repeatedly run across the particular, and commonly do value a whole lot to take aspect in.
Choose the best Bike
The actual bike you select will fluctuate according to kind of forms you system in executing, as well as your power amount. In cases where you are planning upon taking for the road, they provide hybrid models, road models and flip-style bikes, a few; then there are mountain bikes, BMX's and also tandems to be able to add in order to the combination!
If you are generally using a motorbike you have got observed buried away behind the drop, make absolutely sure you comprehend it serviced to check it is definitely even now safer to employ over the road- the same goes regarding old models.
Ensure that you bring snack food items, a great deal of standard water and a good road so that you can keep by yourself from disappearing!
Bring Riding a bicycle Into Your company Daily Routine
Riding a bike is just about the best approaches to fit in activity right into your regime, because them works extremely well while an option technique for transportation to be able to driving a car or jogging. In case you perform not to near aside from family home, next so why not consider riding a bicycle at this time there and rear one day? A person will rack up some great distance, help you save on the cost of petrol, plus protect the earth at the exact same effort.
If this isn't feasible, after that look just for opportunities to travel for any rotate. Yet have a look at your current motorcycle attach!
Try Typically the Riding a bike Neighborhood
Typically the cycling neighborhood can be a great and active one, having races together with sportives placed regularly through the entire UK. Really going online is a superb way to be able to become started- grime, urine?Nternet sites in addition to community forums filled with info and various other like-minded cyclists.
But if an individual usually are rather new to be able to cycling, journey can always be an frightening place to start. Listed here six means for you actually to get started safely presenting cycling into your life.
Get All by yourself a Forms Refresher Program
Many associated with took rowing skills studies, nevertheless it is easy towards forget the actual concepts in excess of time. Working with complex junctions and roundabouts can often be a difficult prospect, in addition to plenty connected with hazards with the rd for you to will need to always be conscious of. When you currently have in no way ridden a motorbike at the tracks, or if you happen to just will need a new self-belief supercharge, next question your company local authorities to find out if some people run just about any training trips intended for individual drivers.
Don't buy a second grip biker helmet inside case because of damaged, and even check the idea meets the actual criteria set by the exact Mediterranean normal.
Sadly, injury are usually to get common individuals, such as situations including Achilles tendonitis as well as sprains plus ranges.
Typically the looking checklist intended for therapy within the NHS is usually longer, using private health coverage you actually will come to be taken care of regarding the cost of private treatment method and an overall consultation if your individual cycling factors aches and pains!
see web-site: wisdomhealthcare.co.uk


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Speaking in an interview on teams going into a low form in league and cup matches after winning the cup, the Airtel Top 8 Champions Head Coach, Dereck Nsakakuona told Malawi News Agency on Thursday that the team had plans this season to lift the league and grab other domestic cups.
"It is true that most teams' form go down after being champions of the league or cups and it has also happened to us once before and we have been experiencing this for quite some time, but we know how to handle the situation now.
"Currently, the league is under way and as of now we have not made any mistake in the league. If we don't grab the league, it will not be due to over excitement of the Airtel championship or being reckless, but it will just be lack of luck," Nsakakuona said.
He said as a club, they have forgotten the Airtel Top 8 championship and that their current focus is on the TNM Super League and other cups which they will be competing for, like the FISD Challenge, Carlsberg Cup and others.
He said: "We will not back down as others may think but continue where we left in the Super League. We are not looking backwards as to what we have done but forging ahead. Our win will be a motivation since we have not conceded a goal in the just ended cup.
"We will just go back to our drawing board and do some changes in the area of finishing since it has been hard for us to score but the defensive side is really good."
Blue Eagles won the Airtel Top 8 after thrashing Nyasa Big Bullets 1-0 with a Stewart Mbunge spot kick goal.
In the TNM Super League, the cops lie sixth with 14 points from nine games. They have a goal difference of seven.

subset: commoncrawl


text:
How to automate .Net application?
SilkTest Questions and Anwsers
(Continued from previous question...)
114. How to automate .Net application?
How to automate .Net application?
(I am using Silk v7.5 to automating .net application. But most
of the control were not recognized by Silk. when I was forcefully mapped
with standard Control then also its not works.)
Try to get .Net Extension... You have to pay separate fee for this
(Continued on next question...)
Other Interview Questions


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Karen Martin's Home MoviesMarch 24, 2017
By Karen Martin
Miss Sloane,
directed by John Madden
(R, 2 hours, 12 minutes)
Jessica Chastain elevates the impact of this otherwise unremarkable suspense drama with her performance as Elizabeth Sloane, a bossy, brilliant and cold-hearted lobbyist who reigns supreme in Washington. With the help of a herd of devoted young nerdy proteges, she takes on the obviously inept brain trust of politicians and other insiders who dare to stall her manipulative schemes that serve her clients and strengthen her made-of-steel reputation.
But when she goes to obsessive lengths to get a gun-ownership background check bill passed, the film descends into run-of-the-mill corruption territory. Despite the best efforts of Chastain as the title character — perfectly groomed, capable of stomping about authoritatively for endless hours on towering heels, medicated to the max (maybe a little beyond), and disdainful of basic human needs like sleep and food — and of a strong supporting cast (Sam Waterston, Mark Strong, Gugu Mbatha-Raw and Alison Pill), the film really doesn't bring anything new to the increasingly agitated conversation of what it takes to understand the inner workings of the nation's bafflingly complicated capital.
Lion (PG-13, 1 hour, 58 minutes) Garth Davis' scenic and uplifting directorial debut, which earned six Academy Award nominations including Best Picture, features Dev Patel (Slumdog Millionaire) as the grown-up Saroo who, when he's 5 years old, gets lost on a Indian train that takes him thousands of miles away from his home and family. After living in the streets and in a none-too-safe orphanage, he's adopted by a loving Australian couple, but he eventually sets out to find his lost family and return to his first home. The Blu-ray and DVD bonus content includes deleted scenes and a behind-the-scenes gallery. With Nicole Kidman, Rooney Mara, David Wenham and Sunny Pawar as the young Saroo.
Silence (R, 2 hours, 41 minutes) A dedication to the work of Martin Scorcese and to the passion of Christians is necessary to make it through this grim, lengthy drama in which two missionaries (Adam Driver and Andrew Garfield) risk their faith and lives by traveling to Japan in search of their missing mentor (Liam Neeson) at a time when Christianity was outlawed. Blu-ray bonus content includes a featurette on the making of the film.
Assassin's Creed (PG-13, 1 hour, 55 minutes) A flat, incomprehensible video game of a movie in which Michael Fassbender plays a guy who, thanks to technology, gets his genetic memories unlocked and is able to relive the life of his cryptic ancestor Aguilar in 15th-century Spain. With Marion Cotillard, Brendan Gleeson, Charlotte Rampling, Jeremy Irons, Michael Kenneth Williams; directed by Justin Kurzel.
Fire at Sea (not rated, 1 hour, 54 minutes) A meaningful, affecting documentary that examines the Mediterranean island of Lampedusa, south of Sicily, where innumerable African and Middle Eastern refugees in various stages of hope and suffering cluster for months at a time in their quest to find a new life in Europe. Directed by Gianfranco Rosi.
In Dubious Battle (R, 1 hour, 50 minutes) Too much in awe of its subject matter to be lively, this drama chronicles an effort to unionize workers on a fruit farm in California during the Depression that's led by Mac Mc-Leod (James Franco) and Jim Nolan (Nat Wolff). Based on the 1936 novel by John Steinbeck. With Ed Harris, Robert Duvall, Selena Gomez, Vincent D'Onofrio; directed by Franco.
A Kind of Murder (R, 1 hour 35 minutes) A stylish, attractively framed but curiously inert psychological thriller mystery, set in the 1960s, in which becoming obsessed with an unsolved murder brings on mental disintegration in an architect and aspiring crime novelist, which isn't helped much by the crumbling of his marriage as he pursues a younger woman. Based on The Blunderer by Patricia Highsmith. With Patrick Wilson, Vincent Kartheiser, Eddie Marsan, Jessica Biel, Haley Bennett; directed by Andy Goddard.


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Posted December 6, 2018
The City of Tucson is seeking a locksmith to work in the Environmental & General Services Department. A locksmith maintains the safety and security of City buildings by installing, repairing, or replacing cylindrical locksets, panic hardware, and door closures. A locksmith also follows codes and regulations to ensure compliance with fire life safety codes and the Americans with Disabilities Act.
At least two years of installing and repairing security hardware for doors and electrical access-controlled systems at the skilled journey level is required. Applications must be received by Jan. 2. Oral board interviews will take place on Jan. 16.


text:
- spectrogram(data, samp_rate, per_lap=0.9, wlen=None, log=False, outfile=None, fmt=None, axes=None, dbscale=False, mult=8.0, cmap=<matplotlib.colors.LinearSegmentedColormap object at 0x4310a34c>, zorder=None, title=None, show=True, sphinx=False, clip=[0.0, 1.0])[source]¶
Computes and plots spectrogram of the input data.
- data Input data
- samp_rate (float) Samplerate in Hz
- per_lap (float) Percentage of overlap of sliding window, ranging from 0 to 1. High overlaps take a long time to compute.
- wlen (int or float) Window length for fft in seconds. If this parameter is too small, the calculation will take forever. If None, it defaults to (samp_rate/100.0).
- log (bool) Logarithmic frequency axis if True, linear frequency axis otherwise.
- outfile (str) String for the filename of output file, if None interactive plotting is activated.
- fmt (str) Format of image to save
- axes (matplotlib.axes.Axes) Plot into given axes, this deactivates the fmt and outfile option.
- dbscale (bool) If True 10 * log10 of color values is taken, if False the sqrt is taken.
- mult (float) Pad zeros to length mult * wlen. This will make the spectrogram smoother.
- cmap (matplotlib.colors.Colormap) Specify a custom colormap instance. If not specified, then the default ObsPy sequential colormap is used.
- zorder (float) Specify the zorder of the plot. Only of importance if other plots in the same axes are executed.
- title (str) Set the plot title
- show (bool) Do not call plt.show() at end of routine. That way, further modifications can be done to the figure before showing it.
- sphinx (bool) Internal flag used for API doc generation, default False
- clip ([float, float]) adjust colormap to clip at lower and/or upper end. The given percentages of the amplitude range (linear or logarithmic depending on option dbscale) are clipped.


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Southeast Asia consists of the ten unbiased international locations situated alongside the continental arcs and offshore archipelagos of Asia — Brunei, Cambodia, Indonesia, Laos, Malaysia, Myanmar (Burma), the Philippines, Singapore, Thailand and Viet Nam — collectively often known as the Affiliation of Southeast Asian Nations (ASEAN). The area is dwelling to greater than half-a-billion folks spread over extremely numerous countries, from economic powerhouses like Singapore to poorer economies comparable to Cambodia, Laos and Myanmar. Notice: It's strongly advisable to finish all 9 stipulations prior to enrolling at UF, nevertheless, applicants could also be conditionally admitted to this system if they have completed 5 of the 9 required stipulations (including both Anatomy and Physiology with lab courses and Biology with lab or Microbiology with lab), with a minimal GPA of two.5 GPA in these courses. College students who're conditionally admitted with lacking perquisites might be required to satisfactorily complete these remaining conditions BEFORE starting the major coursework.
Even if you're hunched over in agony, taking to your mattress will solely make a nasty back worse. The newest analysis exhibits that mattress rest weakens again muscular tissues and prolongs the struggling. Married males could suffer more than single men because of all of the pampering. I used to like milking the care from Lisa, however the very best resolution is to get up, take a ache reliever, and be a soldier.
The health center has a 1,500 square foot fitness studio that may be a separate enclosed area so class participants can have the privacy they need to train comfortably. This consists of a variety of tools for our members to utilize together with spin bikes, cardio steps and risers, train balls, medicine balls, BOSU ball, yoga mats, plyometric packing containers and dumbbells to add some variety to your exercise!
Attention-grabbing hub, thanks. My very own view is that we anticipated Obama to somehow change every part in a single day, and that is just not doable. But if we give him eight years in office, he will make the great changes he promised. Scholar health data held by the Scholar Health and Wellness Heart is protected by federal and state legal guidelines, including the federal Family Academic Rights and Privacy Act (FERPA) and the Maryland Confidentiality of Medical Information Act.
Get day by day train. If you have not exercised for some time, begin with simply 10 minutes a day. It can be a brisk stroll across the block, solely taking the steps at work, doing leaping jacks or rediscovering the enjoyable of a skipping rope at dwelling. No matter you select, be sure that it's a enjoyable exercise that you're prepared to do once day-after-day – whether or not morning, noon or evening. Ten minutes of train won't sound like much, however it's far easier to realize than making an attempt one-hour fitness center sessions from day one. Train helps to burn kilojoules, tone your physique and up your energy levels. Quickly you'll feel more assured – and ready to enhance your each day exercise with five-minute additions till you are able to do 30 minutes a day comfortably.


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Electric Drusy Pendant & Earrings
Earrings: $750.00 Pendant: $1,998.00 These pieces were handmade by Navajo silversmith Elgin Tom. Electric blue Drusy is accented with Amethyst, Kiwi Quartz, Mystic Fire Topaz &...Read More
Drusy Pendant and Earring Set
Earrings: $548.00 Pendant: $825.00 This pendant & earring set have been handmade by Navajo silversmith Bernyse Chavez. Drusy is accented with smoky quartz and ecstasy...Read More
Heishi Necklace & Earrings by Daniel Coriz
Earrings $105.00 Necklace $987.00 This necklace and earrings are by Santo Domingo artist Daniel Coriz. Delicate shell heist is mixed with spiny oyster shell and turquoise. Great when you can't decide what to...Read More
Turquoise Slab Earrings & Heishi Necklace
Earrings SOLD Necklace SOLD These pieces are handmade by Santo Domingo artist Ronald Chavez. Carved and inlaid turquoise slab earrings are lightweight and easy to wear. Turquoise heishi is interspersed with colored...Read More
Royston Turquoise on Navajo Pearls
Kingman Earrings SOLD Royston Necklace SOLD Kingman Turquoise is beautifully set in handmade earrings by Navajo silversmith Bernyse Chavez. Royston Turquoise is the focal point of this gorgeous handmade necklace by Navajo silversmith Raymond Bennett. Must...Read More


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There are numerous reasons why one would buy hemp oil. Many benefits have been associated with the use of hemp extracts, and individuals who have considered buying hemp oil have discovered the health benefits that come with the use of hemp oil. The high numbers of persons who have been buying hemp CBD extract have been using it as a pain reliever since this product has been proved to be safer when compared to other pain relievers that have been used in the past. The number of health complications which can be solved with the use of hemp oil continues to grow, and more individuals have realized the health benefits of using hemp extracts. The healthy hemp oil has also been used as an alternative to cooking oil, petroleum and also as moisturizing oil. Individuals who have been seeking cancer treatment have as well benefited from the use of hemp extracts, as the hemp oil provides the essential amino acids that are needed in their body. Lack of some amino acids that hemp extracts provide will only lead to health complications such as cancer and genetic mutation.
The regular use of hemp oil from www.healthyhemp.com will provide you many benefits as there are essential as well as nonessential amino acids that are provided. The precious amino acids which are availed in the form of hem extracts have been used in treating various health issues and also preventing cancer. When you use hemp oil in the form of a skin moisturizer, you will end up with better and smoother skin. When used for your skin, the hemp extracts will not have any side effects, like in the case of many other products, considering that hemp extracts are herbal. In some cases, regular use of hemp oil as a moisturizer will work to provide an individual with the anti-aging effect.
The hemp extracts will also come with other health benefits such as reduction of inflammation. Most diseases will come with agony, but the fact that hemp extracts have alcohols and sterols means that they are capable of reducing pain. Research has proved that the use of CBD hemp extracts will help lessen the impact of inflammation, reduce the risk of organ dysfunction and damage. If you are yet to find out where to buy hemp oil, one can get the products at a dispensary, or they can also purchase the various products online.
Continue reading https://edition.cnn.com/2016/05/16/health/medical-marijuana-babies/index.html.


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Products Catalogue
News Center
Contact Us
Tel/Fax: 0086-27-86617137
Tel: 0086-27-86627137
Wechat is available!
Email: email@example.com
When we are writing a letter, we will think how to attract customers. Most of the time we are intent to potential customers or clients to develop written letter or release information about our products in various B2B websites. Every day we are not only write a few letters, but hundreds of letters, dozens of letters, and most of the customers may not return us or for the release of the products and we did not get much of the inquiry, at the start we will feel discouraged and hopeless, then we may think about whether the development letters are not attractive enough or we did not catch the key words and focus on it?
At this time, we can adjust the format of the letter about their own development, for example, we can turn to the problem of customers, allow customers to answer questions, to grasp the initiative in their own hands; or you can go to learn more customers, plus his skype, facebook, etc., as much as possible to communicate and promote feelings with him.
Another example when publishing products, sometimes we can search the RFQ to find the key words, then you can look at the customer inquiry is how to describe the above keywords, the next time we publish can follow his keyword to attract our customers.
For example, the sodium lignosulphonate has more than 10 names , then we can search sodium lingo sulphonate, sodium ligin suphonate, lingo sodium sulphonate, lingo sulphonate sodium and so on. For each product, we should know about which names can be used.
Our products: sodium gluconate, sodium lignosulphonate, calcium lignosulphonate, sodium naphthalene sulfonate formaldehyde, etc. Welcome to choose what you like.


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Green Bay Packers Cutter & Buck DryTec Championship Polo – Gold
Celebrate your Green Bay Packers fandom with this Cutter & Buck DryTec Championship polo! This lightweight pique polo features the Green Bay Packers logo embroidered on the left side of the chest so you can support your team in style. The DryTec fabric technology will wick moisture away to keep you cool even when the action starts to heat up. Shop for your favorite NFL gear at Fanatics.com.
Give this college gift to the proud Green Bay Packers student, alumni, friend, parent or whoever you know that has Green Bay Packers spirit.
Purchase Your Gift
securely from Fanatics.com


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When the napkin is placed on the lap, it need not be spread entirely out, but may be left with one fold in it. A guest who is to be present at consecutive meals should fold his napkin after eating; if, however, he is dining in a hotel or restaurant, or if he is in a home for but one meal, the napkin should be laid on the table without folding.
School and Home Cooking (1920).


text:
My name is Brenda and I would like to welcome you to my website and sacred offerings. Inspired by Ancient Egypt. A healing place designed with sacred intention.
I specialize in energy medicine that supports healing, spiritual awakening, creative expression, & transformation. I have created my business because I care deeply about healing on all levels, spiritual connection, awakening people to their inner wisdom, accessing the soul, and shining bright!
I have over 20 years of spiritual awareness, a deep study of energy medicine, grounded experience and lots of love! I offer session work, hand crafted temple oils, inspired art, sacred travel to Egypt, classes, treasures from Egypt, and lots of soul beauty! My passion is sharing my studio, my heart, and my soul with you.
Much love,
Brenda Carolan


text:
Down Range: A Sniper's Guide To Hitting Your Target > tinyurl.com/myw423s
Down Range: A Sniper's Guide To Hitting Your Target
- Posts : 157
Join date : 2014-03-07
- Posts : 157
Join date : 2014-03-07
Space: People and Places (Concepts in Practice)
csocsp131.forumotion.com/t62-master-the-gre-cat-2001-master-the-gre-2001 Master the Gre Cat 2001 (Master the Gre, 2001)
Stay Awake: Stories
The Oxford Companion to Classical Literature
Arms and the Man
Law in Everyday Life
The requirements for tax-free stock distributions on corporate separations
The Religions of the American Indians (Hermeneutics: Studies in the History of Religions)
China Banking Industry Telecom Solution 2005-2009 Forecast and Analysis
Dissolving the Family Company
Tracing Your Family History on the Internet: A Guide for Family Historians
Book of veterinary doses, therapeutic terms and prescription writing,
Andrew Wyeth: Master Drawings from the Artist's Collection
Elements and ephemeris of Comet b 1929 (Neujmin) (Lick Observatory bulletin)
Read the Wild Water;: 780 Miles By Canoe Down the Green River
Lonely Planet Thailand's Islands & Beaches (Regional Guide)
Agriculture in The Bible
Boards That Make a Difference: A New Design for Leadership in Nonprofit and Public Organizations (J-B Carver Board Governance Series)
A Dictionary of Proverbs: With a Collection of Maxims, Phrases, Passages, Poems and Anecdotes from Ancient and Modern Literature
Murder is Easy (Agatha Christie Collection)
Cook It
Conquistador Without Sword: The Life of Roque Gonzalez, S.J.
The Maiden And Married Life Of Mary Powell, Afterwards Mistress Milton (1898)
Travel and Transport: Webster's Quotations, Facts and Phrases
Along The Royal Roads To Angkor
Head First WordPress: A Brain-Friendly Guide to Creating Your Own Custom WordPress Blog
La Condicion Humana (Narrativa) (Spanish Edition)
God's Blueprint for Living: New Perspectives on the Ten Commandments
Icons of Democracy: American Leaders As Heroes, Aristocrats, Dissenters, and Democrats
International Law at a Time of Perplexity:Essays in Honour of Shabtai Rosenne
.vdops.enjin.com/forum/viewthread/11748580/page/1/m/17016755 Understanding the Law
Women and the Genesis of Christianity
The Helen Alexander Hawaiian cook book
Tabitha's Tease
Positive Changes Hypnosis Smoking Cancellation Hypnosis Program Success Starter Kit: Where Results Happen (Audio Cassette Tapes 2000 Publishing, Second Edition)
Mind Beyond Death
Stedman's Neurology/Neurosurgery Words on CD-ROM (Stedman's Word Book)
The "Preferential Option For The Poor" In Catholic Social Thought From John XXIII To John Paul II (Roman Catholic Studies)
Teresa of Calcutta: Serving the Poorest of the Poor
Cracking the SAT II Physics 1998-99 Edition (Annual)
Twenty-Five Days Around the Manger: A Light Family Advent Devotional
Wheelock and Company Limited - Financial and Strategic Analysis Review
How to be Happy: An Inspirational Guide to Discovering what Happiness is and How to Have More of it in your Life (Inspirational Books Series) (Volume 5)
California Real Estate Finance
.voy.com/52092/161.html Whillans's Tax Tables 2010-11
Hindu Gods & Goddess 2009 Wall Calendar
Zhongguo ge ming shi (Mandarin Chinese Edition)
Europe, the Middle East, and Africa Ethernet Switch Market 2012-2016 Forecast and 2011 Analysis
The Fruits Of The Devotions To The Sacred Heart: A Course Of Sermons For The First Fridays Of The Year (1909)
Qatar: Guide to the Country
Intimate Communities: Representation and Social Transformation in Women's College Fiction, 1895-1910
A Wonderful Life (The Collected Works of CJS Hayward)
Reminiscences and Recipes from Everton: A North Nottinghamshire Village
Software Encyclopedia: A Guide for Personal, Professional, and Business Users (Software Encyclopedia: A Guide for Personal, Professional, & Business Users (2vol.))
The Book of Common Prayer
Report on Medical School Faculty Salaries 1996-97 (Serial)
CISSP Boxed Set, Second Edition (All-in-One)
Cooking With Colorado's Greatest Chefs
The Commentaries on the Laws of England of Sir William Blackstone, Vol.. 2 (Classic Reprint)
Dressmaking Made Easy and the Letters of Sally Lou Warner to Peggy Anne Wilson
The Psychology of Love (Women's Psychology)
Coruscant and the Core Worlds (Star Wars Roleplaying Game)
2012 Heart & Home Engagement Planner
The Unseen: Face to Face with an Angel of the Lord
JMP 11 Quality and Process Methods
Why We Remain Jews: The Path to Faith
Barbie Fun to Cook Book
Dialectical Behavior Therapy for At-Risk Adolescents: A Practitioner's Guide to Treating Challenging Behavior Problems
Living in the Spiritual Zone: 10 Steps to Change Your Life and Discover Your Truth
The Spirit of St.. Louis: A History of the St.. Louis Cardinals and Browns
Recife & Northeast Brazil (Footprint Focus)
Standard & Poor's Smallcap 600 Guide: 1998 (Standard and Poor's 600 Guide)
Software Engineering and Applications: Proceedings of the Iasted International Conference November 6-9, 2000 Las Vegas, Nevada, USA (Series on Computer Science & Applications)
Geographic Information Analysis
Martin Leman's Teddy Bears
Churchill: The Unexpected Hero
Outdoor Exploratorium: Experiments in Noticing and Understanding
The geology and petrography of Crater lake national park (United States.. Geological survey.. Professional paper)
Women Who Dare
Two Testaments: A Novel (Secrets of the Cross Trilogy)
The Blues are Up: Cardiff City's Rise to the Premier League
Wrongful Convictions and Miscarriages of Justice: Causes and Remedies in North American and European Criminal Justice Systems (Criminology and Justice Studies)
Hey, Diddle, Diddle (Charles Reasoner Nursery Rhymes).<br>


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We all know how hard it is to get college credits. Almost everyone has to go through this and be able to pass. We try joining different activities to achieve this sometimes to no avail. Good news is you can acquire the same via online courses. There is a wide variety of courses you can undertake but there are a few things that need to be considered. Here are tips of choosing an online course for college credit.
First research on the courses that are easily available for you. You can get to see your options when you go online then you will have to go for something you are sure you will do well in. What you will need to do is consult your friends who can give you recommendations of what they have taken before. Another person you could ask is your professor, he/she will have good information and recommendations. You can get really good life sills from other courses so you better go for those ones.
When choosing an online for college credit, it is important to be great at time management. The online lessons need to be well integrated into your daily schedule. Make sure that you place them in a way that you are not too strained at the end of the day. Time is one thing you will have to think about because it is critical to the success of your course. Learn more at this website http://www.encyclopedia.com/education/education-degrees-and-programs about online courses.
There are some many online courses for Transfer College Credits one can check from different websites. It is essential to have in mind that this particular courses are not as those in colleges. This is exactly where your heart is and what you love most. It will not be a straight forward course that will be fun and easy to grasp. It will wise to carefully choose a course that you believe in and one that you will you do with less challenges.
There are good and bad tutors one can get online hence the need to thoroughly examine the kind of teacher you want. If it is possible, you should consider doing a thorough background check and their reputation. Go online and see if there are reviews from other students who have undertaken the same course and what they had to say about the teacher. The information you will gather will help look for a teacher who is competent and is able to assist you in succeeding in your course. Before diving into the class, it is important to check if the course outline that has been set up if it aligns with the course necessities. Know that a teacher may define a fail or a pass. It is very important you dig deeper on the teacher. Know more about Low-Cost College Credits here.


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Best Tips for Refinancing Your Mortgage in 2018
Considering a mortgage refinance? 2018 may be the right year to turn your idea into reality.
Despite the fact that rates have been slowly creeping up, we are still in a relatively low mortgage-rate environment. The average rate as of January 2018 on a 30-year fixed rate mortgage is just 4.04%, down from 6.07% during the same month a decade ago, according to the Federal Reserve Bank of St. Louis.
"I don't know why you wouldn't refinance now," said Joshua Bannerman, CFP and co-host of the "Stacking Benjamins Show." "The Federal Reserve has started to raise rates, which loosely impacts mortgage rates, but rates are still near all-time lows."
Still, a mortgage refinance isn't right for everyone, especially if you won't qualify for a better mortgage rate than what your current loan offers.
Whether you're looking to drop your interest rate, cut your monthly payment or take cash out of your home, these are the tips you need to get the best deal when refinancing your home.
Top reasons to refinance your home
When you refinance your home loan, you take out a new mortgage to pay off your existing mortgage. Will a refinance be a savvy move for you? Consider whether these reasons make refinancing the right choice for you.
Reduce your interest rate
Take some time to review interest rates on home refinances to see if you may qualify for an interest-rate reduction. If your credit score has improved over the past few years, you may find better rates today compared with when you originally took out your mortgage. Borrowers with older mortgages may find better rates based simply on changes in market conditions. Dropping to a lower interest rate is a great way to save money in the long run.
Drop mortgage insurance payments
Borrowers with FHA and conventional mortgages often have to pay some form of mortgage insurance when they don't put down large down payments (10% for FHA loans; 20% for conventional). Mortgage insurance adds to the overall cost of your loan, so it makes sense to get rid of it whenever possible.
For borrowers with mortgages backed by the Federal Housing Administration (FHA), that usually means refinancing to a conventional loan.
An FHA loan is a great way to get into a home with a lower credit score or a small down payment. Unfortunately, FHA mortgages require borrowers to pay annual mortgage insurance premiums (MIP) for the life of the loan (unless you put down at least 10% in which case you have to pay MIP for 11 years).
The only way to get rid of MIP payments is to refinance to a new mortgage that isn't backed by the FHA. FHA mortgage borrowers who have experienced rapid home appreciation over the last few years should look into refinancing to a conventional mortgage. If you have at least 20% home equity, you won't have to pay mortgage insurance when you take out a conventional loan. You can calculate how much equity you have in your home by using our home equity calculator.
Even FHA borrowers with less than 20% equity may want to consider refinancing to a conventional mortgage. By refinancing to a conventional mortgage, FHA borrowers will drop the MIP payments, but they'll have to start paying private mortgage insurance (PMI). It might seem silly to quit paying MIP only to start paying PMI, but homeowners drop PMI payments as soon as reach 20% equity in their home. If you plan to stay in your home for several more years, getting rid of mortgage insurance payments can yield big savings.
Cut monthly mortgage payments
If you're struggling to make ends meet, or you need additional cash flow or any other reason, you might consider a mortgage refinance. A home refinance can be one way to cut your monthly housing payments. A borrower who has paid on his or her home for seven years may choose to refinance to a new 30-year loan. This allows borrowers to spread out the existing mortgage balance over 30 years rather than the original 23 years.
In the end, you'd be left with a smaller payment and a longer loan term.
That lower payment doesn't come without costs though. Bannerman warns, "When you refi for cash flow purposes, you have to be very specific about not going underwater again. If you don't fix your underlying behavior, you may end up in that circumstance again."
Reduce time to pay off your house
Homeowners who are serious about building home equity in a hurry may want to refinance from a 30-year mortgage down to a 20-year, 15-year or even a 10-year mortgage. While the shorter loan term means borrowers may face higher monthly payments, it also means you'll pay off the loan sooner.
Of course, you're also putting yourself at risk if you fall on hard times and aren't able to afford that larger monthly mortgage payment. In that case, you might want to take a less risky approach — you could simply make additional mortgage payments throughout the year. You will still technically have a longer-term loan, but there's nothing stopping you from paying it off early.
Preparing for retirement
Considering retirement in the next several years? Take a look at your refinance options before you leave the workforce. Lenders may be more likely to approve borrowers looking to refinance their mortgage if they still have several working years ahead of them with a consistent monthly income.
"A lot of people don't consider how their income is going to change after they retire," said Jason Parker, a CFP based out of Silverdale, Wash. "It's important to refinance while you're still working and banks are still interested in you."
Switch from an ARM loan to a fixed-rate loan
Borrowers who have an adjustable-rate mortgage (ARM) may want to refinance to a fixed-rate mortgage to avoid the uncertainty of changing monthly payments. ARMs are home loans where the interest rate (and the monthly payment) may fluctuate based on changes in interest rate indexes like the Cost of Funds Index (COFI). For example, if you have a 5/1 ARM, that means after five years, your mortgage rate will likely change. Switching to a fixed-rate mortgage won't always lower your interest rate, but it will mean your mortgage payment won't change again.
Cashing out
Borrowing more than you currently owe based on your home's appreciation is called a cash-out refinance.
When you refinance your home, you can finance most of the value of your home (usually up to 97%). If you choose to refinance more than you currently owe, you will receive a cash payment from your lender for the balance. You can use the cash for anything that's important to you.
Will a cash-out refinance work for you?
In a traditional home refinance, borrowers roll their current loan balance and the cost refinancing into a new loan. Refinancers usually owe just a few thousand dollars more compared with their previous mortgage.
However, borrowers who have home equity may opt for a cash-out refinance. In a cash-out refinance, borrowers take out more than they currently owe (up to 97% of the current value of the home). When you opt to take cash out, your monthly payment may grow, and your loan balance will increase. Use this cash-out refinance calculator to help figure out exactly how your payments may change.
Before taking cash out of a house, Bannerman tells people to consider the worst-case scenario. "Do you want to risk a potential foreclosure on your home to get out from debt?" Bannerman asks, "I recommend exhausting all other options that aren't as drastic before refinancing."
It often makes sense to consider a balance transfer credit card or a personal loan before moving towards a cash-out refinance.
Will refinancing save you money?
A lower interest rate seems like an easy financial win, but you should consider whether the amount of money you'll save with a lower interest rate will counteract the additional costs you'll face in the form of closing fees. "One of the biggest mistakes that people make when refinancing their home is people don't stay in the home long enough to recover their costs," Parker said. "The break-even [point] is often about five years."
When you refinance your home, you'll also pay to cover typical closing costs. In most cases, the largest fee you'll pay is the mortgage origination fee, which currently average about 0.60% of the principal value of the loan. On top of that fee, you'll need to pay a variety of miscellaneous fees, including an application fee, a home appraisal fee, title fees and state and local taxes.
Refinancing makes the most sense when you'll stay in the house long enough to recover all your costs through interest savings. If you won't stay that long, it's better to continue paying your existing mortgage.
Calculate your potential refi savings
There are a number of different ways to figure out how long it will take to break even on a refinance, but we explain four of the most important methods to use. You can compare all four methods when you use LendingTree's Home Refinance Calculator.
Method one: Cash flow comparison
To get an idea of whether or not refinancing makes sense for you, divide the total cost of refinancing by your savings in monthly payments. For example, a refinance that costs $2500 and yields a $250 monthly savings equals 10 months. In this example, it would take 10 months to come out ahead on a refinance in terms of total cash.
At a minimum, you must stay in your house long enough to break even in terms of cash flow. This method only accounts for cash flow and not total savings, but it helps put the cost of refinancing into perspective. Of course, if you're concerned with long-run savings, consider the other methods below.
Method two: Interest savings calculations
One of the best ways to calculate a break-even point is to calculate the difference in interest expenses on your new mortgage compared with your existing mortgage. When the difference in interest is more than the total cost of refinancing, you've reached your break-even point.
Since interest is calculated using a compounding formula, it's easiest to calculate a break-even point using the refinance calculator.
This formula only considers the changes in monthly interest payments. It does not consider whether you'll pay more over the life of the loan.
Method three: Interest savings less mortgage interest tax deductions
With fewer people expecting to itemize their taxes in 2018 and beyond as a result of recent tax reforms, it's generally less important to consider the tax implications of refinancing. However, if you plan to itemize your taxes in 2018, a lower interest rate will yield a smaller deduction (and less tax savings) for you. The lower deductions mean that borrowers need even longer for the monthly interest savings to equal the cost of refinancing. This is the most accurate break-even point for tax itemizers to consider.
Method four: Comparing a lump-sum payment to savings from refinancing
If you're a homeowner who has the cash available to pay for refinancing costs, the money might be better spent by paying down your existing mortgage instead. When you put a lump-sum payment on your mortgage, you reduce the principal balance, so you pay less interest.
Normally, when you make a big payment on your mortgage, you simply reduce the time it takes to pay off your mortgage. However, some borrowers may have the option to ask their lender to "recast" or lower their monthly payments based on their reduced principal balance.
To decide whether refinancing makes more sense than paying down the mortgage, you can divide the total cost of refinancing by the difference between a refinanced mortgage payment and a recast mortgage payment.
Since this calculation is complicated to do by hand, it's another one where we recommend using the refinance calculator.
Other questions to consider:
In addition to conducting a break-even analysis, you'll want to ask yourself a few questions about the refinance to be sure it makes sense for you. For example:
- Can I afford the new monthly payment?
- How much longer will I have to make mortgage payments?
- Will refinancing increase the amount of money I pay over time?
Are 'no-cost refinances' legit?
Some banks advertise no-cost refinances. These loans may seem too good to be true, but they aren't necessarily a scam. Usually, lenders charge an interest-rate premium (a higher interest rate) to the borrower in exchange for covering closing costs themselves. If you can find a no-cost refinance that lowers your current interest rate, you'll definitely save money on the loan.
Of course, not all "no-cost" refinances are truly "no-cost" to you. A no-cost refinance is not the same as a loan with no out-of-pocket costs. A loan with no out-of-pocket costs means that all the fees will be added into your new loan balance.
Before completing a refinance, use your Good Faith Estimate to understand all the fees you will really pay when you refinance.
5 tips for getting the best rates on a mortgage refinance
If refinancing your home makes sense in 2018, you'll want to find the best rate possible. These five tips will help you find a great rate on your next mortgage.
Boost your credit score
A higher credit score could mean a better interest rate. Right now, the average 30-year loan borrower with a 670 credit score will find a 4.4% APR on a 30-year mortgage according to Fair Isaac Corporation (FICO). On the other hand, borrowers with a 740 credit score can expect to pay just 4.0% on average. The 0.4% percentage point difference might not seem like a lot, but it will save you thousands over the life of the loan.
Before refinancing, take actions to improve your credit score. Ideally, you'll want a credit score in the mid 700s to get the best possible rates. Making on-time debt payments, avoiding new debt applications and paying down credit card debt will help you boost your credit score before you refinance. Anyone who is serious about refinancing can use My LendingTree to check his or her credit score and get recommendations for improving it.
Choose the right loan
Homeowners can save a bundle by choosing the right loan for them. Conventional homeowners with at least 20% equity will almost always refinance to another conventional mortgage.
Conventional mortgage holders don't have to pay annualized mortgage insurance costs once they reach 20% equity which generally makes conventional less expensive than VA or FHA loans.
USDA, FHA, VA, and HARP mortgage holders will have to consider more options. These mortgage holders may qualify for streamline refinances that reduce their interest rates and in some cases, their monthly insurance premiums. Streamline refinances don't require credit checks or appraisals, but they aren't always the best option. Borrowers with HUD-guaranteed loans should also consider conventional loans to see whether conventional mortgages yield more savings.
Refinance before retiring
Most lenders prefer to lend to people with low debt-to-income ratios, so people thinking about retirement may want to pull the trigger on refinancing sooner rather than later. Although retiring without a mortgage payment is ideal, people nearing retirement who still have a house payment may want to refinance to reduce their debt. Parker explained, "Retirement is all about cash flow. I recommend keeping the housing payment as low as possible during the retirement years."
Potential retirees may want to consider refinancing to a new 30-year mortgage even if they think they can handle the payments of a 15-year mortgage. A 30-year mortgage offers lower payments and more flexibility for people adjusting to a lower retirement income.
Shop for the best loan
When you start the refinance process, don't be afraid to apply at multiple lenders to find the best rates. Local credit unions or a mortgage broker may help you find a loan option with low closing costs. You can also use LendingTree's online form to compare interest rates and get personalized offers on mortgage refinances. Once you get an offer, ask for an interest rate lock, which allows you to lock in your rate for at least a few weeks. That will give you time to compare fees and interest rates from several lenders.
If you're trying to compare a no-cost loan to a loan with closing costs, use the refinance calculator to learn about the break-even point with each loan option. The sooner the break-even point, the more you can expect to save.
Negotiate closing costs
After you apply for a loan, the loan fees aren't necessarily set in stone. You can negotiate a variety of lender fees (including the loan origination fee and the application fee). Some borrowers save money by shopping around for appraisers and settling agents on their own.
Refinancers can also save money by getting a reissue rate on title insurance. Title insurance protects homeowners against losses associated with defects in the title. If you've purchased the home within the last five years (or refinanced it recently), you may be able to save money based off of the recent title search. Be sure to ask your lender about reissuing title insurance and other ways to save on it.
The CFPB warns that not all fees are negotiable; taxes, stamps required by your city or state and recording fees are set fees charged by local governments.
Should you make 2018 the year to refinance?
With interest rates on mortgages near all-time lows, 2018 looks like a great time to refinance, but every homeowner has a unique situation. If you find an interest rate that yields long-run savings, don't wait around too long. Interest rates may not stay low forever.


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India Willoughby attempted to explain her phobia of drag queens on last night's Celebrity Big Brother's Bit On The Side.
Presenter Rylan Clark quizzed the evicted newsreader on why she had previously been snapped with drag queens at a pride event if she is "drag phobic."
She said: "I was paid to do an event last year and some drag queens were there.
"I am a nice person despite what anyone thinks.
"And I am going to be nice if someone comes up to me wanting to have a picture taken and that's all it was."
Last week, India angered fans with her comments about drag queens likening them to the racist Black And White Minstrel Show.
The transgender journalist, 52, infuriated viewers after she became upset at Andrew Brady dressing in drag and told him it was like the racist BBC show.
Keen to get to the bottom of India's views, Rylan said: "But you do have some kind of drag phobia?"
India said: "I do yes. When I get my phone back I'm going to look it up and check what it's called.
"It's just something that I've always had in me."
Most Read In TV & Showbiz
The journalist, 52, became the first star to be evicted from the Celebrity Big Brother House on Friday.
She found herself up against Love Island star Jonny Mitchell but failed to win enough support from fans.
India was upset to leave the show, sharing her frustration with presenter Emma Willoughby.
She said: "I don't feel I've done myself justice, that is my one regret. Did I want to stay tonight? Yes. Did I give my best show? No."


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In 1994 an American writer named Emily Prager met her new daughter LuLu. All she knew about her was that the baby had been born in Wuhu, a city in southern China, and left near a police station in her first three days of life. Her birth mother had left a note with Lulu's western and lunar birth dates. In 1999 Emily and her daughter–now a happy, fearless four-year-old--returned to China to find out more. That journey and its discoveries unfold in this lovely, touching and sensitively observed book.
In Wuhu Diary, we follow Emily and LuLu through a country where children are doted on yet often summarily abandoned and where immense human friendliness can coexist with outbursts of state-orchestrated hostility–particularly after the U. S. accidentally bombs the Chinese embassy in Belgrade. We see Emily unearthing precious details of her child's past and LuLu coming to terms with who she is. The result is a book that will delight anyone interested in China, and that will move and instruct anyone who has ever adopted--or considered adopting--a child.


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DIY massage February 14, 2009
I tried this one recently and it got rid of a lot of the extra knots in my shoulders and back.
Take a tennis ball and place it between your back or area of tenderness- and the wall or floor. Apply pressure in a circular motion until the knot it loosened; apply as little to as much pressure as you'd like and take your time.


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out of 5 Stars
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There is a school liturgy Monday morning at 9:00 a.m. 3rd Grade will be helping Ms. Pinto introduce Respect Week by telling what we respect at the end of mass.
Scholastic Book Club order forms went home on Friday. Orders can be done on line or sent in with a payment in the form of a check by Friday, October 6th.
Picture Day is October 4th. Students should wear their winter uniforms and have their completed forms with payment.
Thursday, October 5th will be gym day for our class this week.
October 6th is a half day and our 1st Spirit Day! Students will wear green and donate $2.00 which will be donated to help with hurricane relief.
Class News >


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I was quite intrigued by the concept of 'contemporary dance' when I saw it written on the Sunshine Studios timetable. Isn't contemporary just whatever is current? Isn't everything contemporary at some moment in time? I was definitely missing something.
Curiosity got the better of me so I went along and stood in the back of one of the classes- not very inconspicuously considering one wall is made up entirely of mirrors. It reminded me of ballet but without the tutus or the crippled toes. In fact it was quite moving to watch a room full of people interpreting the music in such a beautiful way: quite a change to the street dancing I'm used to seeing but a welcome one at that.
It was quite indescribable, which doesn't bode well for a blog post explaining it. There's just always something quite mesmerising about watching a group of people moving in unison, flowing from one move to the next. The routine was simple yet effective with a lot of sweeping arms, fluid turns and a definite need for flexibility. The contrast of half rolls on the floor to big sweeping spins engaged the whole body: it looked quite liberating to do, if not a little quirky to watch.
I'd never heard of contemporary dance before coming here and after seeing a class I'm eager to try it out: but first a few inhibitions need to be lost followed by a good amount of limbering up.
By Sarah Stopforth


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Nicholas "Nick" Petronio was born on March 23, 1946 in Providence, Rhode Island to John Louis Petronio and Cesarina DeFusco "Tessie" Petronio. He passed away on Friday, October 26, 2018 at his home in Houston, Texas at the age of 72 years after a courageous battle with Pancreatic Cancer. Nick had a 50 year career in the oil and gas industry.
Visitation and wake will be held from 5:00 p.m. to 8:00 p.m. on Friday, November 9, 2018 at the Nardolillo Funeral Home, 1278 Park Avenue, in Cranston, Rhode Island. Funeral from the Nardolillo Funeral Home & Crematory at 9:00 a.m. followed by a Mass of Christian Burial at 10:00 a.m. on Saturday, November 10, 2018 at the Saint Rocco's Church, 927 Atwood Avenue, in Johnston, Rhode Island.
Immediately following mass, services will be held in the St. Ann Cemetery Chapel, 72 Church Street, in Cranston, Rhode Island, to allow guests to avoid any inclement weather at the gravesite. The Petronio family is kindly accepting flowers and also memorial contributions in Mr. Nick Petronio's name may be made out to the AESC Scholarship and Charities Fund, 121 E Magnolia, Ste 103, Friendswood, TX 77456.
In keeping with Nick's request, a final burial ceremony will follow in a private moment for his wife, daughters, son-in-law, and Nick's earth angels only. No other services/reception or such social activity will be scheduled or arranged.
Nick's Birth Day Celebration is being planned for Saturday, March 23, 2019, in Houston, Texas. Nick's family, friends, and colleagues will be notified. Visit NardolilloFH com. for online condolences.


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Friday, November 17, 2006
Zune or iPod: Which One's Right for You?
Posted by Darius Wey in "Zune Talk" @ 01:30 PM
Ah, yes. That big question on everyone's mind: iPod or Zune? Gizmodo has put up a short head-to-head analysis of the two. I'd say Mac users or existing iPod users who already have a huge library of iTunes Store songs would benefit by sticking to the iPod - unless Microsoft ever comes up with some radical iTunes Store to Zune Marketplace songs transfer scheme, but talk of that has already been quashed. Windows users and those who like a bit of Microsoft integration (Xbox 360, Media Center, etc.) may benefit by picking up a Zune. At the end of the day, it's entirely up to you. Which side are you leaning toward?


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James Duffy, MNAEA MARLA CeMAP, Branch Manager at Callaways Estate & Lettings Agents offers his invaluable advice on Preventing Property Fraud.
"To prevent property fraud, use the Land Registry Property Alert Service. Property is usually our most valuable asset so it's important to protect it from the ever-increasing risk of fraud.
Land Registry is doing all it can to detect and prevent fraud but no system can be 100% fraud-proof, which is why people should be protecting themselves from property fraud, including signing up for Property Alert.
The service helps property owners and absent Landlords to detect fraudulent activity on their property by sending them email alerts when there is certain activity on the property being monitored, such as a mortgage being taken out against it. The recipient can then decide whether they think the activity is suspicious and act quickly if so.
Property fraud is where fraudsters try to "steal" a property, most commonly by stealing the homeowner's identity and selling or mortgaging the property without their knowledge. They then disappear with the money leaving the true owner to deal with the consequences!
Since 2009, Land Registry has stopped fraud on properties worth more than £92 million.
How the Alert works:
You can monitor up to 10 registered properties in England and Wales. You will receive email alerts when there is certain activity on the properties you are monitoring, such as an application to change the ownership details.
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Sign up to HM Land Registry's free Property Alert service to help protect your property from fraud at https://propertyalert.landregistry.gov.uk/
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What is Stress ? Stress is a normal part of life and can be a good thing in small amounts.
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Status: Finished
Genre: Erotica
~~Another text bleeped onto my mobile from my Husband, Just a "hi, how are you doing?". I stared at the screen! "Bored!" I replied.
The day at work was going slowly today, each minute was stretched beyond belief, but deeper than that the realisation that nothing exciting or even mildly interesting would happen even after work was draining my energy.
I looked at the time, a huge mistake. 10.45 "oh shit!"
The phone jolted me out of my doldrums. It was a sales guy called Mark, he had a deep and sexy voice that made my thoughts wander… the only problem was that he was cursed with not having the looks to go with the voice. A cruel trick of nature that he was just below average looking but with a come to bed voice.
We swapped pleasantries and sales chatter, he had popped into the Office on several occasions over the time I had been working. He always commented on my appearance and said how stunning I was. A real charmer, sometimes it actually made me feel good about myself, not bad for a 47 year old.
"So how about lunch as I am in the area, we can eat whilst I try and increase my sales with your company?"
"Sorry!" I couldn't get away today, even though the chance to escape the monotony would be heaven. My boss didn't agree with staff being receiving bribes as he called it, in return for exclusivity to one company. Guess his golf trips didn't count.
"Come on, all expenses paid. Where I am staying has a proper restaurant and bar not a take away meal in sight?"
"Mark, there is no way that I can leave for Lunch today.. So sorry".
Inside I was just dying, why I can't just say fuck it and go. Maybe a fake excuse? Yes.. that might work.. Why shouldn't I spend lunch being treated to a free meal?
"Ok, you win! What time can you pick me up then?" I agreed, now all I had to do was find a way to get away from work.
I made up a bullshit excuse about feeling sickly and walked down to the car park where 5 minutes later Mark collected me.
He drove us back to where he was staying, which turned out to be a Motel and not Hotel, my ideas of a haute cuisine meal vanish in smoke but a skive from work and a meal had lifted my spirits and I was looking forward to lunchtime.
The Motel didn't even have a restaurant just a bar which served food, it looked like I was going to get a takeaway meal after all. Mark asked what I was drinking and went to the bar to ask for Menu's and get the drinks, while I seated myself.
"They don't start serving food until half eleven" Mark informed me as he brought our drinks to the table.
"Can I add that you are looking very summery and bright for April, and those shorts really do show of those great legs"
Yep, here comes the bullshit, but if I closed my eyes and just listened to his voice it made the hairs on the back of my neck stand up. So sexy!
I had actually made an effort for work today, so he was actually seeing me at my best. The white knee length shorts covered enough of my lily white legs to look okay and the patterned shirt was vibrant and cheerful. I had rounded my summer look with some shocking Orange shoes. Overall it made me feel great. And a compliment from mark added to that feeling.
We chatted about work and home lives and along with the 2 large wines, I was really chilled and relaxed. This was the way to properly do a day's work.
Mark leaned over "At risk of being slapped can I just say that you look very sexy and I can't take my eyes of your legs, they are killer pins!"
I laughed, "They look better with a little sun on them and when you can see more of the leg" an innocent reply which I instantly realised had been taken the wrong way.
"I would love to see them out of those shorts" he whispered, his voice sounded even sexier when he was whispering. It made me blush.
He put his hand gently on my leg, ever so lightly so there was almost no touch at all just the heat of his hand.
"We could take drinks to my room and chat in private" he had leaned closer and was whispering directly into my ear. The sound of his sexy voice and smell of aftershave was overwhelming.
It had been five months since my fling with Simon and I had returned to being the dutiful if unfulfilled Wife. I hadn't even considered the possibility of another affair, but once again the repressed desires made me consider his offer.
"Ok, what number room is it I have to go freshen up" I lied. There was no way I was going to his room with him, that would look terrible so I got up and made my way to the toilets.
I stared at myself in the mirror, my stomach was in knots and this wasn't because of how hungry I was. It wasn't a question of right and wrong, it was a question of did I want to fuck him. The day had certainly been improving and as far as my husband knew I was at work so had several hours free.
Did I really want this?
I walked out of the toilets and without hesitation took the lift to his room.
He opened it and looked slightly surprised that I had shown up.
"Expecting me to run away where you?" I laughed as it was his turn to blush.
He pulled me closer to him and we kissed gently and briefly. He's a great kisser which pleases me more. I lean into him and we kiss again, I gently slip my tongue into his mouth and feel his warmth. He reaches around and runs his hands up and down my bum.
We moved to lay on the bed and kissed passionately, his hands gently caressing my body careful to avoid my breasts. Maybe he is not a tit guy? He takes my hand in his so gently and guides it towards the front of his trousers. Even through the trouser material I can feel his hard cock. I am getting a lovely warm feeling from my pussy, but my stomach still has butterflies.
"You're a bit excited" I whisper. He doesn't answer but instead lifts my top. His eyes gaze at my bra and my heaving tits inside, he manages to keep focused on my bra whilst he unzips my shorts. I sit up and remove my top completely and as he reaches around to unclip my bra.
"WOW" is all he can manage as he gets lost in the sight of my naked breasts, he leans forward and kisses them gently, I can feel my puss getting wet as he sucks hard on my nipples, I do love my
nipples bitten and sucked and he is ticking all the right boxes.
I push him back to unbutton his shirt but to also calm myself. It's my turn to lean forward and kiss his chest, the smell of his aftershave is thick and heady. I so needed this!
I sit up and remove my shorts but leave my panties on, Mark's gaze now switches to my legs and more noticeably my panties. He removes his Trousers and lays back on the bed with me.
We are kissing constantly now as his hands gently glide up and down my legs, sometimes travelling to my inner thigh and lightly brushing on my panties. This makes me so wet that I am surprised he doesn't mention how moist my panties feel. His hand drifts up to between my legs and he rubs with a little more force on my puss. Fuck I am going to explode!
I need him inside me! I wriggle to the edge of the bed facing away from him and slip my panties to the floor, totally naked now I lower myself back onto the bed and into his arms.
He kisses me and our mouths are open wide now with unhidden passion, tongues dart between us flicking and exploring each other. His hands are caressing my back which sends quivers down my spine and makes my legs tingle.
"I can't hold back anymore, I need to be deep inside you" he gazes straight into my eyes, almost pleading.
My pussy is so wet and horny that his cock slides in without any resistance at all. I can feel how huge he is not especially long but bloody hell, how wide? This is feeling amazing and I arch my back as he slips slowly in and out. I open my legs a little wider so I don't miss one thrust of that massive cock.
He stops kissing and pulls his cock out, my pussy quivers and I orgasm even without him inside.
He lays back and pulls me on top of him. I sit above him and slowly lower myself on to him, ever so slowly so I can enjoy the feeling but also so I can stop if he starts to push too hard on my pussy.
Mark's cock is fully in me and it feels even wider, Jesus how did I get him in, this feels fucking great. My head spins and I think I am grinning like a Cheshire cat.
He sits up and the shift in position makes me explode, I shake as I come. I can feel my pussy quiver.
He leans in and kisses my tits, they feel red hot too me and my nipples are huge and hard.
" I love your tits, they are fucking great and those nipples are huge, they really turn me on. But not as much as fucking your pussy, you are one sexy lady and I am deep in you and licking your huge nipples. Fuck me I need to come in your puss now because you're so hot!"
I raise myself up and lower again slowly teasing with every move, this cock is mine and I want you to fill me with spunk. I move faster and faster bumping up and down on him.
His cock seems to grow even larger but I am so turned on that my pussy just seems to swallow it whole, I can feel it quivering inside me and then the pulse and jerk as his come shoots inside me. Yes, it feels so fucking good!.
"You're so amazing and sexy" he kisses me ever so gently and we lay down into each other's arms, catching our breaths.
I get up to freshen up, warm come and my own juices dribble down my thigh, it makes me feel alive.
I return from the bathroom and slip under the quilt, mark returns from freshening up and climbs in beside me.
"Well I didn't expect to this when I left for work this morning, is this classed as a proper affair or a fling?" He props himself up and I see him glancing at my tits.
We cuddle and kiss gently, I can feel his Cock growing and becoming hard pushing against my leg.
"It's whatever you want it to be, just make it good" I laugh.
With that he gently runs his fingers over my puss, I roll my eyes.
"You're such a tease" I moan. "And your such a horny bitch that I need to fuck again" he says.
He rolls on top of me and slips into me again, gently pushing apart my pussy lips and into my moist warm puss. I am so wet there is a distinctive sound as his cock slips out and then slides back.
"Listen!" I whisper, "Can you hear it, Can you hear yourself fucking my pussy?"
Mark smiles and keeps up the rhythm, my pussy gets wetter and wetter and this makes Mark pump harder and faster.
"Fill my pussy with your cum" I plead.
"I am going to, am going to have your puss dripping with my cum" he grins and fucks faster.
For the second time his Cock bursts into me, filling my throbbing puss with hot spunk going deep inside me. I orgasm too at the pleasure and the thought of his cum in my puss.
He slides out exhausted, and I lay there gasping as our combined juices leak onto the bed.
"I could do with a Coffee" He says as he stares up to the ceiling.
"Well you did invite me for lunch" I laugh, " We can go soon" I add as I don't think I could stand up as my legs are convulsing on their own.
I lean over and Kiss him gentle and run my hands over his chest, his aftershave is gorgeous mixed with the heavy smell of body and the smell of sex. He runs his hands up and down my back which sends shivers down to my feet.
He shocks me by pushing me back down and slipping back into me, he got hard again really quick.
For the third time his dick is pumping my cherry. But it's so full of spunk and my own come that its hard for him to stay in, and occasionally he slips out. He finally gives up and pulls out but continues to kiss my tits.
I arch my back as his kisses run down my stomach to eventually reach my between my legs, his warm breath gently blowing on my wet clit. He sucks me deep and hard, his tongue delves deep inside me licking at all our juices. He adds two fingers into me and continues sucking and licking.
"Do I taste good" I moan.
"Totally beautiful" he manages to murmur and he sucks and nibbles my swollen lips, I come in his mouth adding to the hot wetness smeared around his face.
He raises his head and comes back up to Kiss me, His mouth is coated with sweet come and pussy juice, the taste is so good.
He rolls me on to my side and enters me once again, maybe hoping that he has sucked all the slippery juices from my pulsing puss. We are both getting tired and we can't manage to keep his cock in.
I roll onto my back again and we fuck like wild for a while but he can't keep the pace and stops after pumping for a minute or two.
He collapses on to me and I wrap my arms around him and listen to him breathing. Lost in the moment. I gaze to my watch, wow! We have been fucking for two and a half hours.
My pussy feels like it's so hot I could burst into flames and yet I can still feel the cool spunk and juices oozing out. Fucking fabulous….He's come in me twice.. I feel a gentle orgasm.
© Copyright 2019 Maryan Ross. All rights reserved.
Book / Erotica
Short Story / Erotica
Short Story / Erotica


text:
I am perhaps enjoying this book a little too much. It almost seems, so far, like a re-hash of that book about the Vanderbilt family's rise and fall (Fortune's Children?) with a dash of The Gilded Hour due to the inevitable over-elaborate descriptions of the first major nouveau rich ball that caused such a social upset in the city at the time, but of course certain figures recur frequently in historical texts depending upon the topic.
Given the title of the book, I can't help but be tickled pink by the writing. It calls to my inner Downton Abbey fan.
(Although the pictures chosen to be featured in this book and around these pages so far are a little... odd... in the "what is the purpose again?" variety, I mean, not the "omg totally irrelevant?!" kind -/ or at least that's been the case so far... The fine line is being treaded.)
Of particular note is the following passages which I cut down to my favorite bits.
"But the Self-Made Girl was working... to make herself into a grand lady. Being American, she believed that anything could be accomplished by an act of will and plenty of effort. So, from her power base as a belle, she set out on that most American of paths: a campaign of self-improvement. She went to singing lessons and dancing lessons and drawing lessons. A great believer in book learning, she read constantly. She studied history, and foreign languages, and the "society pages."If she decided she needed to attend Miss Brown's School for Young Ladies in New York, she sent herself to New York. If she decided she needed to become more sophisticated... then she purchased Baedeker Guides to various foreign capitals, recruited her parents... and set off on a step-by-step tour of Europe. And when she decided she was ready, this girl from the American Midwest went to London. Husband-hunting. Simple as that."
On the same page where it is followed by this nugget from the pen of Oscar Wilde...
"...but American girls are pretty and charming—little oases of pretty unreasonableness in a vast desert of practical common-sense."


text:
Every Single Cent I've Spent On Food This Week, Documented
A few weeks ago, I wrote about my grocery budget, and some things I've been doing to make my food purchasing and meal prep routines a little more effective. As I mentioned in Monday's post about pantry staples (trying to keep the Premium Grocery Content going this week), it has been very rightfully pointed out on more than one occasion by people in my personal life and commenters on TFD that I don't always eat well, or eat enough. I had a few questions about how my boyfriend and I actually spend so little on groceries, and what exactly we buy and cook on our small-ish grocery budget. I also got a few questions about how often we eat out, and whether or not we factor that into our monthly food budget, or budget it separately in an "entertainment" category.
The real answer is that I do budget our dinners out separately as entertainment, but just to give a bigger picture about what I actually spend on all food — restaurant outings, alcohol, and little treats included — I decided to document every single cent I spent on food in the past week. Starting last Thursday, I began documenting. Today (Thursday, September 21st as I am writing this) I tallied everything up. Here is what I ended up with in my weekly "Money Spent On Food" diary:
Thursday 9/14:
Money spent on food:
Ice cream for us and two friends: $14.
We rotate hosting a monthly dinner party with a couple we are friends with, and this month we hosted. I didn't buy anything special for the dinner — I cooked it entirely with ingredients we already had from our grocery haul earlier in the week. We did, however, take them for ice cream after before we went bowling (which they paid for).
Breakfast: Toast, a personal fave meal.
Lunch: Nothing — knew I was cooking a big ass dinner for our friends, so I saved my appetite.
Dinner: Salad, baked ziti with my very ~famous~ homemade turkey meatballs.
Snacks: We got free popcorn at the bowling alley — yay!
Friday 9/15:
Money spent on food:
Chinese food + two beers dinner out: $30
We usually go out (or order in) once a week for a special date night. Drew has a ridiculous schedule, so whenever we find a night where will we both be home, we'll schedule our date night. It is usually extremely affordable — this $30 date was moving towards the upper end of what we'll often spend. (Most is usually $50-60, but often it hovers around $20. We're cheap dates. Splitting a meal and having one beer each is the norm, and even when we get our own entrees, we both gravitate towards cheaper things like burgers and sandwiches.) Also important to note that we switch back and forth on who pays for our date night, since we do have separate finances.
Breakfast: Oatmeal with a sliced apple
Lunch: Leftover pasta from our dinner the night before with friends.
Dinner: Chinese food @ a nice little restaurant…duh.
Snacks: None — I'm not a huge lunch person, so if I eat real substantial food midday, I probably wont snack between meals.
Saturday 9/16:
Money spent on food:
Roasted chicken to cook for dinner that night with veg from the grocery haul from the previous Tuesday. (To be fair, this was unnecessary. We had chicken breast frozen that I could have thawed, but I was dead set on having a delicious whole roasted chicken, sue me.): $5
Breakfast: Omelettes, made by Chef Drew
Lunch: Leftovers from my Chinese food the night before
Dinner: Chicken with roasted veggies
Snacks/other: I got a free coffee (yas gift cards) while running errands. No food-snacks.
Sunday 9/17:
Money spent on food:
Two pints of our favorite ice cream flavors to bring home from a local dairy farm (which we would frequent for fresh single-scoops if it wasn't so expensive to buy ice cream that way): $10
Breakfast: Egg and cheese sandwiches (brought to me in bed from my cute boyfriend).
Lunch: We went to the baptism of the baby I nanny and were fed a wonderful meal there.
Dinner: We snacked on some of the ice cream we bought in the evening, but we were full from our big yummy lunch and didn't eat dinner.
Snacks/other: After the ice cream, I ate a few tortilla chips that I got at Trader Joe's a week ago, but they were stale so I ended up tossing them.
Monday 9/18:
Money spent on food:
Miscellaneous groceries for the week, mostly vegetables: $35.
We also bought some beer, which is usually budgeted separately from groceries, but is still something we consume and buy at least somewhat regularly: $12.
Breakfast: Scrambled eggs and toast.
Lunch: Leftover vegetables that I had made with our chicken on Saturday, over a tupperware full of salad.
Dinner: I made a giant pot of chicken and rice soup from the chicken and remaining veg from Saturday's dinner, so we had big delicious bowls of that. (Sidebar: yassss soup weather is coming!)
Snacks/other: Beer!
Tuesday 9/19:
Money spent on food:
Nothing spent on food this day, but I did buy a coffee in the morning for $1.25 from the gas station, because we drank our whole pot at home in the morning, so I couldn't fill my travel mug.
Breakfast: Oatmeal from a big bulk container that I've had forever with pumpkin seeds on top that I bought a Trader Joe's weeks ago and still haven't worked through.
Lunch: Crackers and cheese that I packed up from home and brought with me in a tupperware. (As you can tell, I'm not a huge midday eater.)
Dinner: Leftover soup from the pot I made Monday.
Wednesday 9/20:
Money spent on food:
A bagel, $2, which I didn't even freaking eat because I put it in my bag and forgot. Womp womp.
Breakfast: Cereal from Trader Joe's haul two weeks ago.
Lunch: Granola bar from a bulk-box I bought many weeks ago (these are my favorite thing ever) and grab from when I don't have good leftovers to pack for lunch.
Dinner: Pizza with the TFD girls! Yay!
Snacks/other: Nothing besides the $2 bagel that I didn't even eat. Lol.
Thursday 9/21:
Money spent on food: Nothing.
Breakfast: English muffins from a package we bought over a month ago and froze when they were buy 1 get 2 free.
Lunch: Granola bar.
Dinner: Dinner out for Drew's father's birthday, which was not paid for by me. Weee!
Snacks/other: I ate a few crackers out of the box I bought at TJ's last week. Trader Joe's multigrain crackers are the beeeeest snack.
Total for the week: $109.25
That number feels huge to me, but considering the fact that it covered our entertainment, grocery, and alcohol budgets, it isn't too bad. We regularly spend a bit less than this — with our monthly dinner party, a birthday celebration, and our regularly scheduled date night, it felt like this week had a lot of "going out" in it. We don't usually go out and spend so much on ice cream twice per week — but we wanted to treat our friends to our favorite ice cream, and later in the week, we just wanted some more damn ice cream. (Also, it is the last week of summer — ice cream felt justified.)
Like I said, Drew and I do often go out once per week for some sort of meal together (even if it is just a quick breakfast sandwich in the morning), but this week, we went out twice together, and I went out once with the TFD squad. Only one of those three meals out was paid for by me, but it still is important to note, because we would run through our store-bought groceries a lot quicker on any regular week, and that is a super important part of understanding the full picture of our food-life. This week, we actually hardly dug into them since we were out so much. Thankfully, most everything vegetable-wise is hanging on well and will be cooked over the next few days, and anything that could be frozen to use later has been put in the freezer.
Overall, I see some areas where I'd like to improve. I'd like to cook more, and go out less — even if I'm not footing the bill (both for health reasons and the fact that I really should use up the groceries I buy), and I'd like to get to a place where I'm sending myself to work with a substantial lunch every day (I don't necessarily desire a huge meal during the day, but I find myself feeling dizzy and lethargic around noon, and definitely could fix that by eating something besides a fistful of crackers). But all in all, I think we have a system that mostly works. I eat when I'm hungry, I never feel like we're missing anything, we always shop the sales and end up with different things to enjoy, and we almost never end up spending more than our budget allows (which might be the most important part).
Mary writes every day for TFD, and tweets every day for her own personal fulfillment. Talk to her about money and life at firstname.lastname@example.com!
Image via Unsplash


text:
It was no cake walk on Aachen's cross country course today, as talented riders from across the globe struggled to go clear and fast on the twisting course. It was Team Australia that was ultimately able to take advantage and clinch the top spot by being the only team to have their three scores all under 50 penalties each. In addition to a fair amount of runouts on course, the time was difficult to make, which shook up the leaderboard considerably.
Michael Jung was among those who did not make the time, but with just 5.2 penalties he was able to clinch the top individual spot with his likely Olympic mount, fischerTakinou, as well as a 31,000 euro purse.
Shane Rose and CP Qualified were right on Ze Terminator's heels, coming in just 1 time penalty behind with a final score of 42.80 to finish in second. Ingrid Klimke not only took the third slot on her individual mount Horseware Hale Bob OLD, she also nabbed fourth with SAP Escada FRH. Horseware Hale Bob was one of two to make the optimum time.
Germany was able to leap up the team standings after cross country with fast and clean rides from Michael Jung and Sam, Ingrid Kimkle and SAP Escade FRH, and Dirk Schrade and Hop and Skip. They had less than 15 time penalties between them, which was good enough to jump from fourth to second behind the strong Australian contingent.
But it was Aussie speed that kept the home team at bay, with only six time penalties shared among Shane Rose, Chris Burton, and Samantha Birch, each putting in some of the fastest rounds of the day.
Ireland was the dark horse podium team today, and despite not having a drop score was able to put in three magnificent cross country rounds to pop from fifth to third. Aoife Clark and Wasting Light were their best individual finishers in 13th place, but all three finished in the top twenty.
Great Britain had a heck of a final day at Aachen, dropping from third to fifth when only Nicola Wilson and One Two Many and Tina Cook and Calvino II were able to avoid jumping penalties. Laura Collett and Grand Manoeuvre had a runout at 22a/b a pair of angled brushes which proved to be by far the most troublesome spot on course for many riders today. Francesca Reid-Warrilow and Dolley Whisper were eliminated for multiple runouts, ultimately packing it in at 22a/b as well.
The American contingent ultimately maintained their sixth place slot on a tough course, though there were some extremely tense moments getting there. Phillip Dutton put in one of only two double clear rounds and the fastest round of the day, but the American celebration was put on hold when the scoreboards briefly showed him as eliminated.
The officials thought Phillip may have missed a flag at the big corner in the second water, which would have resulted in elimination. Further review determined that Phillip had been within the flag, and his double clear standing was restored, resulting in a rather chaotic few minutes for the team.
Hannah Sue Burnett's round was an equally bright spot in the day for the stars and stripes, with Harbour Pilot going clean and taking direct routes throughout, including the angled brushes near the end of the course that troubled so much of the pack. Hannah and William added just six time penalties to their final score of 55.60, good enough for 11th place individually.
Lauren Kieffer and Landmark's Monte Carlo were having a super run before falling victim to the 22 a/b combination, as well as adding a bit of time. The combination, heartbreakingly close to home, caused more than half the runouts on course all day, nearly more than all over fences combined. The pair finished in 25th.
Matt Brown and Super Socks BCF struggled at 11b, one of two narrow hedges following an imposing Normandy bank. The pair performed well through 10 and 11a before just glancing off 11b. Getting back on track cost them time as well, but the pair completed the remainder of the course to finish in 30th place.
It proved to be a very eventful day for many nations, and with only two days left before teams must be finalized for the Olympics, it will be interesting to see what, if any, impact the weekend could have on those final decisions.
#CHIOAachen: Website, Order of Go, Live Scores, Team Scores, Live Stream, EN's Coverage
Go Eventing.


text:
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Monthly Archives: January 2018
Holy Spirit Brings Good News
Greetings; Today I am on my way home after many wonderful days in Portugal. I was able to video record two more courses for use with Portuguese speaking communities in many countries. The project is moving forward! Now I am … Continue reading
Posted in #holyspirit, #newcovenant, #peopleofGod 1 Comment
Prophetic Direction
Greetings, Today I am in Portugal. I have had a great weekend in three of the churches here and I will be recording video teachings with Portuguese translation all week. We are putting together training materials for leaders in the … Continue reading
Posted in Uncategorized 1 Comment
Can a Christian Be Deceived?
Greetings, Today I am headed home after a great weekend in Deming, New Mexico with CitiLife Church. It was a blessed weekend as we gathered for prayer, were challenged to be disciples of Christ, and inspired to find true satisfaction … Continue reading
Posted in #holyspirit, #newcovenant, #peopleofGod Leave a comment
The Holy Spirit Convicts
Greetings, Wow! What a great week! We started our training process with Christ Life Training and then we had a fantastic weekend with the great folks of Canada in Castlegar, British Columbia. God was good and life was in the … Continue reading
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2018 – A Season of Shoots and Fruits
Greetings, It was great to be home for the holidays and great to be able to share in my home church yesterday. I was blessed to share a message on finding satisfaction in life. I am very hopeful for the … Continue reading
Posted in #newcovenant, #peopleofGod 1 Comment