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Disclaimer: Beginning January 1, 2020, the VA funding fee will be changing to a range of 1.4% – 3.6% based on factors like your down payment or equity amount, your service status and whether this is a first or subsequent use of a VA loan.
When it comes to saving money to buy a home, you've probably been pretty focused on the down payment. But you'll also need to plan for closing costs, which are due when your loan closes.
Understanding what closing costs are, how much they'll cost on average and what's included can help eliminate any unexpected financial obstacles when you close on your new home.
What Are Closing Costs?
Closing costs are fees paid to cover the costs required to finalize your mortgage when you're buying or refinancing a home. Closing costs are paid at closing, the point in time when the title of the property is transferred to the buyer.
Most of the closing costs are paid by the buyer, but the seller typically will have a few to pay too, such as the real estate agent's commission.
Lenders are required by law to provide a Loan Estimate within 3 days of receiving your application. The estimate provides a detailed list of what you can expect in closing costs.
How Much Are Closing Costs?
How much you'll pay varies according to the amount of your loan and tax laws in your area.
Typically, closing costs average between 3% to 6% of the purchase price. So, if you're buying a $300,000 house, you might pay between $9,000 and $18,000 in closing costs.
On average, buyers pay an estimated $3,700 in closing costs.
Most buyers pay closing costs as a one-time, out-of-pocket expense when closing their loan.
If you need help with closing costs, check with state or local housing agencies to find out what may be available. Many offer low-interest loan programs or grants for first-time buyers.
You'll pay higher closing costs if you choose to buy discount points, but the trade-off is a lower interest rate on your loan
Calculating Closing Costs
Buyers can usually expect to pay about 5% of their purchase price in closing costs.
So, if you're buying a home listed for $200,000, you can expect to pay $10,000 in closing costs.
To get a better idea of how much you might pay in closing costs, try using an online calculator, such as this one from SmartAsset.
What Do Closing Costs Include?
The closing costs you'll pay will vary depending on where you're buying your home, the home itself and the type of loan you pursue.
Closing costs may include appraisal fees, loan origination fees, discount points, title searches, credit report charges and more.
Property-Related Costs
- Appraisal: This will be mandated by the lender to make sure the home is worth the sales price. Most appraisers charge $300 to $500 for their services.
- Escrow fees: You may have to pay portions of property taxes and insurance upfront into an escrow account.
- Flood certification: If your house is situated on or near a flood plain, your lender may require documentation confirming its status, which involves paying around $15 to $20 for a certification from the Federal Emergency Management Agency (FEMA).
- Home inspection: Depending on the square footage and type of inspection, the buyer pays $500 to $1,000 for a home inspection to look for signs of damage and defects. This is nonrefundable money, and there's no guarantee the seller will make repairs or renegotiate the sales price based on results of the inspection.
- Property taxes: At closing, the buyer typically pays the city and county property taxes due from the date of closing through the end of the tax year.
- Annual assessments: If you're buying in a development with a homeowners association (HOA) that requires an annual fee, it may be due upfront at closing.
Loan-Related Costs
- Title/attorney fees: This includes necessary government filing fees, escrow fees, notary fees and other expenses related to transferring the deed. The cost of title and attorney fees varies significantly from state to state.
- Loan interest: You'll need to pay interest on the loan prorated from the closing date to the first of the following month.
- Lender fees: These cover items ranging from administrative costs to pulling your credit report to wire transfer fees. If a lender boasts unusually low rates, it's possible they'll try to make up the difference with additional lender fees, so be sure to compare apples to apples. Check out this video for an understanding of the difference between base mortgage rates and APR.
- Application fee: This is charged by the lender and varies in price, up to $500. The application fee is nonrefundable, even if you aren't approved for the loan.
- Assumption fee: If you're assuming a conventional loan from the seller, you'll pay an assumption fee set by the lender, typically $800 to $1,000, or in some cases 1% of the loan amount. For FHA loans, the maximum allowed is $500, and for VA loans, the max is $300.
- Prepaid interest: This is daily interest that accrues on the loan between the closing date and first monthly mortgage payment.
- Loan origination fee: These are the fees paid to the lender to obtain a mortgage and are expressed as a percentage of the loan amount. If the loan amount is $100,000 and you see a $1,000 loan origination fee on the paperwork, the lender is charging one mortgage point.
- Discount points: Discount points are fees paid directly to the lender by the buyer at closing in exchange for a reduced interest rate. This is also called "buying down the rate." One point costs 1% of your mortgage amount (or $1,000 for every $100,000).
- Title search fee: Paid to the title search company that researched the property's history to make sure the title (ownership) will be "clear." Typically this runs $75 to $100.
Other Insurance-Related Costs
- Mortgage insurance application fee: If your down payment is less than 20%, the lender will require private mortgage insurance (PMI). This fee varies by lender.
- Upfront mortgage insurance: PMI can be rolled into your monthly payments, but it can also be paid at closing. Paying upfront usually saves money.
- FHA, VA and USDA fees: Fees on FHA, VA, and USDA loans differ from those charged on conventional loans. FHA loans require an upfront mortgage insurance premium (MIP) of 1.75% and a monthly fee. VA home loans require an upfront, one-time VA funding fee, determined by the loan amount, the buyer's service history and other factors. VA home loan applicants can pay all or part of the fee in cash or roll it into the loan amount to reduce out-of-pocket expenses. USDA loans include an upfront guarantee fee of 1% and an annual fee of 0.35%.
- Lender and owner title insurance: Lender policies protect the mortgage lender's interest. Buyer policies protect the buyer's interest. The average title insurance policy carries a one-time premium of about $1,000, paid by the buyer.
Closing Costs for the Buyer vs. Seller
The buyer typically pays the majority of closing costs. Of course, there's always room to negotiate – but choose your battles wisely. A seller will likely be much more open to negotiation when presented with an offer of the full asking price or when it's a buyer's market.
Another option for these costs is to meet the seller halfway, dividing expenses between both parties.
Seller concessions are part of your closing costs that, instead of paying yourself, you negotiate to have the seller pay. Buyers might ask for concessions if they think they'll have trouble covering their closing costs or if a home inspector finds issues that are going to cost money to fix.
It's worth noting that concessions can help out the seller as well. If they are selling their home in a crowded market and aren't having much luck, offering concessions can make the deal seem more attractive to potential buyers.
Are Closing Costs Negotiable?
The Loan Estimate will help you understand what closing costs to expect and which you may be able to lower. You should ask the lender about fees you may not understand or think could be lowered.
Lenders will schedule an independent appraisal by a qualified appraiser not affiliated with the lender or anyone else who's part of the mortgage transaction.
There's typically a set cost associated with appraisals based on the loan type and the area you're in. However, other items like title insurance, pest inspection and the settlement agent may be open to negotiation. Of these fees, you'll save the most on title insurance and settlement (which are sometimes combined). But if you're planning to comparison shop for title and settlement, do so quickly because these services take time.
Also, watch for miscellaneous fees like funding and delivery fees. If the fees seem vague, you may be able to push back to have them lowered or eliminated.
Closing Your Loan
Your escrow officer, title company or real estate agent will let you know when your loan is scheduled to close.
Three days prior to the closing, you should receive your closing disclosure, which provides final details about your loan and closing costs. Compare these costs carefully to your Loan Estimate and make sure any changes you've agreed to with the seller are reflected in the final document.
On your closing day, you'll need your state-issued photo ID and a certified or cashier's check for the amount you owe. After you've signed all the documents and paid, your loan will be closed, and you'll walk away with the keys to your new home!
Questions? Contact a Home Loan Expert today or give us a call at (800) 785-4788. You can also feel free to leave us a note in the comments below.
If so, subscribe now for tips on home, money, and life delivered straight to your inbox.
This Post Has 83 Comments
for closing I am to bring Closing Disclosure. where is it?
We agreed to a lock-in of 2.99% with 'zero' points. When the papers were rec'd, it indicated we had to pay 1.25%. We were never told this and only found it ourselves. When I inquired of our banker in indicated 'Oh the rates went up." Okay, fine. We didn't like it but accepted it. We are now two weeks to closing and receive a RE-Disclosure statement at 7pm on Saturday evening stating that we have to come up with an add'l $5000 in closing costs to cover 3.69% in points.
WHY???? We're locked in at 1.25% and now this? And to notify us on a Saturday evening at 7:10 pm when Monday is a holiday – there is no one to talk to about this until Tuesday at the earliest.
What a horrible way to do business. What's going on??
(David and Katherine) Quann
I'm flabergasted. My closing costs are 19, 033 on a 229,000.00 loan. What is going on? Never was it mentioned I would be paying that kind of closing cost. What a rip off. Can a mortgage company honestly get away with this. I started the loan process on the 7 of July and still not closed out yet! What a horrible company to work with.
Well I just started the process and I had not read all of these comments first. I hope all of you got your issues fixed and I hope I don't have the same ones.
As I read the one thing that jumped out was that there was a lot, A LOT, of responses that looked liked they were just copied and pasted.
It looks like the problems we are having are pretty typical for the process through Rocket Mortgage. We are almost 3 months into our purchase and I have been blindsided by several things that were not disclosed to me. I guess they feel like I should already know the answers rather than them explaining the process to me. Our closing costs have skyrocketed to over $11,000 on a $75,000 home. Maybe when they came up with the name Rocket Mortgage they were referring to the closing costs.
Yes their closing cost is as name rocket high.l try to refinance and being a existing customer still cost is high.i have refinance two times with ql./ Rocket mortgage.in 2014 no refinance charge and 2019 pay $500 for refinancing and now they big and business grow they asking for $4800. And since last month l apply for refinance not going anywhere.
We've been "in process" of refinancing since May 7!! We have had 7 interest rate disclosure documents, we've had to continually send payroll docs and bank statements and we are still not in "closing status" and it is Aug 29. We are beyond frustrated and try calling our "banker" and he doesn't answer, our solutions specialist doesn't have any reply other than the famous line, "we're getting close to finalizing". As I mentioned before we are frustrated! We've had numerous friends start the same process at the same time we did but with other financial institutions and they have since closed liked 4-6 weeks ago and we are still NOT CLOSED.
If getting in contact with "real people" is this hard/nearly impossible then what kind of service are we to expect when we have to deal with you all when you start serving as our mortgage lender/owner?
I'm using a broker but they It's thru quicken loans trying to refinance from what I just read on it my closing costs are way high 9000 dollars the loan amount is 115,00 I only owe 107,00 something doesn't seem right not happy
I just went online to chat w/Quicken, and could not even get my questions answered w/o giving them all my information. I could fill out all the information online. When I refused to agree to having someone phone me, suddenly the chat ended. I am now not interested in dealing w/this organization!
Looking to
Lower my interest rate, consolidate and pay off my homeowners loan and put my closing costs into my new mortgage payment if rate is good, can you help with this !
I am currently trying to get a loan through you all. We were supposed to close on Monday, but I was just informed yesterday that the 16th will be the earliest due to QuickenLoans failing to retrieve documents in a timely manner. Now I don't even know if we will be able to close at all, because they also just informed me yesterday that condo budgeting was insufficient, but have failed to provide any documentation to show/explain what they are talking about. My husband and I happen to know the man that is the head of the HOA at the condo complex we are interested in, and the data he has looks perfect.
Also, every time I receive my estimated loan document, my closing costs change drastically. They were supposed to be around 5,000 on the high end, but have never been lower than 7,000 and have been as high as 11,000- this is for a $127,300 loan. No idea what's going on there.
Same thing happened to me with Chase !!! I was like WHAT !!!
I was working towards a refi with Quicken and had to put it off, probably until summer, because of my kid's change in college plans.
I was offered a loan I was on the edge of completing through you guys, though, and it was going to be 10% closing costs (for a 100,000 refi). That does not jibe with this article at all. What's up with that?
i hope there is no refinance loan cost at my closing as I don't have much money.
Hello! I am a Realtor and would love to share this article, Understanding the Closing Costs for Your Mortgage, with my clients! Would you happen to have this exact wording in print form?
I will like to have an estimate for refinance FHA loan in to conventional loan to get out of my PIM, no closing cost,Thanks in advance.
I'm a 2 weeks out from close two things I wish I would of known as I was comparing lenders:
Prepaid Items: currently 12 months of property tax is listed (8k) with quicken (I have a call into my loan specialist) . On my past 2 houses purchased this was never a cost at close.
The 4 months of property taxes for escrow is separate … I have no idea why quicken needs 16 months of propert taxes 🤷🏻♀. Apparently this is an item you could NEGOTIATE.
2 when your 1st payment is due typical it is the 1st of the month following a 30 day waiting period (you close on 1/25, your 1st payment is 3/1). Quicken you pay interest till the current month then the payment is due (you close on 1/25 payment due 2/1).
Both of these can cost you and should be discussed before you choose your lender. I wish I would of. I thought these 2 things were standard since my last 2 loans were with well known banks.
My loan is 105,000 but I had to pay over 10,000 for Closing cost. It's 10% of loan amount, not 3-6%. Please check it.
I was charged an appraisal fee by Quicken prior to starting attorney review but when I went to hire a lawyer he told me that it is against NJ law for a mortgage company to collect an appraisal deposit prior to attorney review. Is this true?
Hello its so unfortunate that the people behind the scenes selling me refinance never once mentioned this site to me so that i could tweek my loan estimate. Im need to keep faith that today things will be resolved with my final loan numbers a discrepancy olf 1092 bucks lost on tthe loan mumbers. Can someone call me ? Olga
I don't understand why my closing cost is $18,000.00. Also why do the sellers have to pay the closing cost? Please explain. Thank You
With today rates why is my rate higher than advertised?
My refinance estimate came back with 2.8% in points for origination charges and a total of $7,000 at closing. This is outrageous. I was told you can come down on points if the interest rate raises, but my interest rate is already high.
My loan number is In your "Here's How Your Numbers Work", Under items you own at closing." You list under Loan Costs $5,557,72. This seems very high and may be inaccurate. I have already issued checks to the listing agency of $500. Another check to Quicken Loans for $500 for an appraisal fee. I have also issued a check to Integrity Home Inspections for $450.00. What other fees am I being charged by Quicken Loans to make the Loan Cost (D) $5,557.72. Does this figure include my FHA down payment of 3.75%? Or are there other hidden fees and what exactly are they? Also, what exactly are my prepaids & Escrows (F&G) They seem rather high. Finally why am I paying $521.00 for Other (H)? What Other fee am I paying? Am I being nickeled and dimed. Please be very specific in your explanations at $5,557.72 seems very high on a $77,600 home purchase. Is there any flexibility in these payments, as I am a repeat Quicken Loans mortgage customer?
Wish some of these issues were explained online so we could all know. I'm sure it would be easier than calling everyone who reads this. 🙂
I have a question for you, if I have $40k to purchase a home with a 20% down, on a fix rate loan and would like to borrow more money for a 350, 000 home – only having 40K down, can this be done, without getting another type of loan that its not the 30 year fix conventional loan?
Thank you,
Why am quoted a 7,000 closing cost/fees and 2 days later quoted 13,500 for a refinance?
I hope this is not typical because the same thing happened to me… what a coincidence… my quote went up 4K as well… I was quoted around 5K and now it shows 9K. I'm looking into it. Good luck.
How much is your FHA re inspection fee?
No commet
Can one of your specialists email me for a question on if my closing costs are fair or not? Thanks.
Hi can anyone please tell me when and to whom closing costs would be paid in a quicken loans Fha loan? Are they paid the day of closing or or they sent ahead prior to closing?
Do Purchase Money Mortgages from lending institutions allow for construction of a new home as well? My wife and I located a piece of property to buy. We plan to build a new home, and would like to consolidate the financing if possible. A co-worker told me that he purchased property upward of $125,000, followed by a purchase a modular home for $250,000, and his bank assigned a Partial Purchase Money Mortgage. He said the total sum of the mortgage borrowed was $375,000, $125,000 being purchase money, and the remainder being future advances. I am also told by others to consider a construction/ permanent loan, where the initial construction cost will cover the land purchase. I really need some guidance, thank you.
Why is there such a huge gap of costs for every closing cost charge.
I guess this gives quicken the advantage & option of charging whatever they choose, which would most likely be the higher charge for the majority of services!
If so, time to move on to another Lender!
This is great stuff. Thank you!!
Where are the lender fees, I guess you don't want to disclose it upfront for fear of driving away business. I bet it is not very competitive.
Thank you for the very informative information Fred Fotiadis
[…] Ahead of A new Loan App …Refinancing Student LoanSmart Couples Compare Car Insurance QuotesClosing Costs and Fees Explained.broken_link, a.broken_link { text-decoration: line-through; […]
Just looking for a refinance loan with no closing cost.


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Mad footballer is angry about something.Goole Town captain Karl Colley appeared to do his best to pay a fitting tribute to Eric Cantona after rushing into the crowd during his side's 3-0 defeat to local side Coalville Town on Saturday.
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The challenge
A worldwide Charity noticed that its current systems and environment needed a new solution which allowed the employees to stay up to date and work efficiently on projects and cases across multiple time zones. The trend of the IT industry was to use cloud-based solutions in multinational organisations to keep infrastructure costs low, and this influenced the organisation to work towards finding a solution to help create a flexible working environment across all offices within the organisation.
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The background of the project
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Since the project, the charity has seen many productivity, collaboration and agility benefits throughout the organisation. Since implementing Microsoft Office 365 and Microsoft Azure, the charity is now a much more Cloud First focussed organisation.
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Property Management Companies
In Mallorca there are several companies that specialise in managing your property while you're abroad. Their services can include full preparation of your property prior to your arrival including cleaning of house, garden and pool, filling up of fridges, complete dressing of rooms and terraces, pick-up from the airport, booking of restaurants, spas and other leisure activities amongst other things.
Likewise, they deal with all daily matters of your property from changing light bulbs to fixing any broken machinery or furniture as well as all paperwork, which can be substantial.
The costs for such services vary, but often there is a possibility to pay by the hour or sign up for a monthly fee and just leave it all in their hands.
We are happy to put you in contact with several Property Management Companies so you can see what they offer and find the one that suits you best.
Gestorias / Legal Service Companies Another option in property management is to contract the services of a Legal Service Company/Gestoria. Such companies generally deal with all paper matters for the property and make sure your yearly tax report is handed in correctly and promptly. Some of these companies work closely with lawyer firms while others have them integrated. They normally charge a monthly or annual fee for their services.
As always, here at MJC, we are happy to put you in contact with companies that will make the buying/selling process simpler for you. We are familiar with several Gestorias/Legal Service Companies and Property Management Companies we can provide details for, so you can familiarise yourself with their offerings and find the one for you.


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Welcome to our
Visit Our Local Macon County Community Pages:
Click Here for More Macon County News
The F.I.P.S. code is 17115.
Latitude: 40.0084, Longitude: -88.8268.
There are more sites for other counties and towns across the State of Illinois available.
In fact, we host pages for every State, County and Town in the U.S.!


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Exhibition: Tayenebe, Tasmanian Aboriginal women's fibre work, March 30 - July 25, 2010
Tayenebe, Tasmanian Aboriginal women's fibre work
March 30 - July 25, 2010
National Museum of Australia, Canberra
Tayenebe, a Tasmanian Aboriginal word meaning 'exchange,' celebrates the revitalisation of Tasmanian Aboriginal weaving that has been taking place over the past three years.
The tayenebe exhibition includes beautiful baskets and kelp water carriers in contemporary and traditional styles, along with a historical basket made around 1845 which has never before been seen outside Tasmania.
For more information, please visit www.nma.gov.au/exhibitions/tayenebe.


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We lost our first tight game of the year last night, something I can say I've seen 700 times over the last few years, so I'm not going berserk over it… In fact I'm completely immune to those sort of losses.
In fact, my reaction to last night was that it was a fucking AWESOME game that said a lot about us.
With D-Rose hurt and Melo shooting AWFUL, our team made QUITE a comeback… Oh, and our team has a bad-ass side to them I'm thrilled to have seen.
Let me just say this, Marques Chriss is a fucking asshole… Watch this play:
I get the "try to take a charge on KP" by Bledsoe, but Chriss throwing him to the ground was trash. He did this because a few plays before KP fouled him hard on the other end so he wanted revenge. FUCK THAT.
And I LOVE that KP got up, shoved him and the team was ALL ABOUT getting his back, including our resident bad-ass Jennings, who hiked his shorts up like he was ready to fucking brawl with Chriss in the back alley of a bar… LET'S FUCKING GOOOO!!!!
If we have a team that rallies like that for our prized possession, we have a team I love. LOVE. And I haven't used to "L" word on these guys since…
We're 2-1 on this 5 game West Coast trip with the Warriors next… "The Battle of the Super Teams" as they're calling it.
Protective of Our Unicorn,


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About BondlinePremixed and Film Adhesives Since 1989
Bondline Electronic Adhesives, Inc. is a U.S. based manufacturer of premixed and film adhesives.
Founded in 1989, company headquarters and main laboratory are located in Sunnyvale, CA. Bondline is a leading manufacturer of adhesives, supplying high quality performance epoxy adhesives to companies in the semiconductor, disk drive, medical device, microelectronic and aerospace industries. In addition to our standard line of epoxy adhesives, we custom formulate along with repackaging commercially available materials.
Bondline Electronic Adhesives is committed to the highest quality in adhesive products through dedication to product reliability, conformance to specifications and timely delivery. In the fast pace of changing technology we are committed to distinguish ourselves as a reliable and responsive adhesive company serving customers domestically as well as internationally.


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Interest in student robotics continues to grow. Find out how to get your (and your kids') feet wet with hands-on robotics engineering projects and activities. From taking robotic steps with LEGO® to upcycling toothbrushes or recouping the innards of cast-off electronics, robotics projects can turn kids on to creative thinking and STEM tinkering! Start at the beginning with simple bots that require only a few parts, and then move on to increasingly more innovative and sophisticated designs, building know-how with each new bot. Watch your student's understanding of robotics engineering grow bot by bot!
"You did what with your brother's toothbrush?"
Nestled in between April showers and May flowers is something much less natural and more gritty, much more tech-savvy, sci-fi-inspired, and DIY oriented—National Robotics Week, April 6-14.
A growing wave of young tinkerers and builders are exploring robotics, often thanks to the availability of after-school robotics clubs and programs and summer science camps. Meeting the needs of both students interested in transforming their bot-building into school science projects and students and parents looking for guided home robotics challenges and explorations, the Science Buddies Robotics Area continues to expand, and there are more new K-12 robotics Project Ideas in development and coming soon!
Ben Finio, a scientist at Science Buddies, recently helped lead a group of kids in building awesome light-following Bristlebots at a Makerspace gathering in Ithaca, NY. Bristlebots, originally popularized by Evil Mad Scientist Laboratories, are DIY versions of vibrating robotic bugs. With a few simple components, possibly even upcycling a cast-off handheld device from the household junk drawer, kids and families can make their own vibrating bugs with toothbrush bristle bodies and legs. The upgraded model Finio invented and helped students build (shown in the video above) uses two motors and two light sensors to create a bot that will trail around after a light source. Talk about a cool tech spin on classic tag-along toys!Science Buddies Bristelbot ExplorationScience Buddies Bristelbot Exploration
The brand new "Racing BristleBots: On Your Mark. Get Set. Go!" robotics Project Idea helps students turn Bristlebot building into a comparative science project. In this project, students are guided in building a base-model Bristlebot and then investigate the impact of using different materials. How will different toothbrush bristle designs affect the speed of the bot? Students will build and compare two bots in the project, but the project can easily be extended as students make their way through the toothbrush aisle at the grocery store in a quest for the best head of bristles for bot building (as opposed to teeth cleaning!).


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Case Studies & Whitepapers
Download any of our whitepapers or case studies to learn how our unique approach to customer insights has helped clients across a wide variety of industries launch new brands, improve the customer experience, respond to competitive threats, develop new ad campaigns, and much more.
Inside the High-End TV Shopping Experience
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Major Retailer Understands The Non-Buyer Like Never Before
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Learn how we're pushing the limits of social media ad testing to help clients make better decisions about which creative to use and maximize their mobile advertising ROI.
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Learn how this breakthrough new methodology works and the enormous benefit that in-the-moment research offers clients.
Online Focus Groups: Way Better Than You Think
Focus groups are a staple of most market research programs. Conducting them online offers some big benefits that many have never considered.
Why All Online Research Should Go Mobile
No matter what survey you're fielding, it's probably better executed through mobile than online. Learn why.
Consumer Geotracking: You Can Really Do That?!
It's no longer necessary to ask consumers about the places they visit and when they go there. We can track them, all day, every day. Here's how.
Mobile Qual - The New Awesome
Learn how mobile qualitative research can help you understand your customer in ways that traditional observational research never could.
Coffee 3.0 Competitive Intelligence
A major player in the coffee industry was considering replicating a new item that its chief competitor has added to its own menu. Should it?
A New Alcohol Beverage Brand Seeks Insights to Gain Share
A new alcohol beverage player had launched a new product and was fighting for share. How could it convince shoppers to choose its brand?


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Friday Harbor Port Commissioner Mike Ahrenius recently concluded a five-year term on the executive committee of the Washington Public Ports Association, which included a year-long term as WPPA president, in 2010.
Ahrenius has been a port commissioner, an elected position, since 2002. The port manages and operates Friday Harbor Airport, Friday Harbor Marina, Spring Street Landing and Jackson Beach Park.
Formed by the state legislature in 1961, the public ports association works with all 68 ports in Washington state to promote interests of the ports through government relations and advocacy of economic development. The association also conducts numerous workshops and meetings to help port commissioners and port staff abreast of legal and financial issues related to port operations.
The WPPA executive committee is responsible for the general administration and oversight of association's staff and programs.


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I'd describe the rhetorical product I want to make as the Heimskringla meets Roman satire. I am firmly in line with the will of the framers. Jefferson said that the tree of liberty must be watered from time to time with the blood of patriots and tyrants. Our framers insisted on the Second Amendment because they wanted us to drag our leaders into the streets on a cyclical basis and slaughter them like swine each and every time they got out of line. I think we have neglected this duty for too long and need to return to the will of our forefathers. We are at war. We did not start this war. We do not want this war. Yet war is upon us, and we need to fight this war by the rules of engagement highlighted by our enemies. Our enemies who killed 78 men, women, and children at Waco. Our enemies who shot a fourteen year old boy and a woman holding her infant in the back at Ruby Ridge. A van at the Murrah building did not deliver a lesson about tyranny impactful enough to the minds of federal agents. Tyranny has only grown in amplitude and frequency.
Naturally, my rhetoric is not for everyone and causes significant amounts of liberal outrage. This shows why what my words are necessary: political correctness has neutered our culture. People express hatred towards me for saying we should use force to defend ourselves from those that violate our human rights. People should be attacking our enemies who are actually out on a daily basis committing acts of murder, fraud, sabotage, and torture against citizens in every country of the world. For over a decade my goal was to create a political bloc that believes in the transformative power of bloodshed to put fear into the hearts of tyrants. This will continue to be my goal. If you don't like it eat shit for all I care, because the First Amendment, the will of my forefathers, and common sense protect everything I say.
Now, back to the reader tips which are literally critical to my continued survival. One of the services I used up until this point is Gratipay (formerly Gittip). It states that its goal is to fund a people instead of projects, which is inline with my needs. It has weekly pledges which I was hoping people would contribute via instead of single time donations. A couple were starting to trickle in (though my constituents seem to vasly prefer BTC/LTC/XRP/DOGE) and then one of the developers over at Gratipay who happens to be friends with the SJW crowd, Sean Linsey, decided he was offended by my politics and needed to be banned from the service. Log excerpts here are displayed descending by date:
After weeks of Sean Linsey urging that I be banned from Gratipay, he has his SJW friend who he follows on Twitter start a twitter campaign criticizing the service for allowing me on.
Right after these tweets, the anonymous donations that I was receiving via Gratipay suddenly stop. This was done in secret, with no notification that I would cease receiving income from Gratipay. Simultaneously, a flood of fictitious complaints resulted in the suspension of my Paypal account containing hundreds of dollars, meaning it is likely that Gratipay's employee wants to have my funds cut off universally, not just at his website.
Yesterday I e-mailed the founder of Gratipay asking him if his employee killed my donations. I have yet to receive a response. I am thankful for Gratipay's contributions to many of my friends in the free software community. I think they do great work. I just wish they'd enumerate a list of political ideologies that are not welcome to use their service, and have some sort of transparency and appeals process for behind-closed-doors politically based persecutions of those on their service.
All this highlights the rot that is destroying the West. I have never abused anyone, as Sean Linsey accuses me of by implication. I have never done anything except publicly and lawfully express my opinion, and it is one that he disagrees with, so therefore I should not be allowed to earn a living. This all underscores the problem that the SJWs present, and why they should be utterly flushed out of our society. We believe they have a right to speak, but they do not believe the same for us. The only thing they think is within our rights is torture, murder, and silencing by the government. This is why we need a day of the rope. These nanny state liberals refuse to tolerate a society where those they dislike are not completely cut out of commerce.
In the meantime, I need your help restoring my income. I've setup a Patreon: http://patreon.com/weev and have various cryptocurrency addresses on my profile there. If this gets killed, perhaps we need to discuss creating free speech friendly crowdfunding services.


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One Noisy NightAuthor: M Christina Butler
Author: Tina Macnaughton
Little Tiger Press
Little Tiger Press
Everyone's favourite hedgehog is back for a brand new adventure! This time, Little Hedgehog and his friends have a puzzle to solve . . . Strange creaking sounds are coming from the woods! And Fox is sure he saw Little Hedgehog down by the river in the middle of the night. Will the friends solve the mystery of the very noisy night . . . ?
Little Hedgehog (and his little red hat!) returns in the tenth book of the best-selling Little Hedgehog series. With charmingly wintry illustrations from Tina Macnaughton and soft touch-and-feel flocking throughout, One Noisy Night is a wonderful story of friendship and bravery.
Pages: 32
Format: Paperback
Format: Paperback
Price: £6.99
Alternative Formats:
Hardback (9781848692718): £10.99
Paperback (9781848692725): £6.99


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Only the 1st Violin Sonata, a relatively early piece, falls into the conventional three movement sonata-structure. This is an innocent, romantic piece, well wrought with the young composer flexing his compositional muscles. Kayaleh and Stewart perform it as if it was the Franck Sonata—richly and romantically, emphasizing the melodic aspects of the work. They point towards, what at the time must have seemed like, a new sound-world. This is a lovely performance.
The 2nd Violin Sonata of fourteen years later is an altogether different prospect. Playing for nearly three-quarters of an hour, with a virtuoso piano part of almost Concerto dimensions, here is the mature composer, fully in command of his art, creating music of heroic dimensions. Indeed, heroic is a word which ably describes Medtner's largest works, such as the Sonata reminiscenza, op.38/1 (from the Forgotten Melodies: Volume 1) (1919) or the towering Sonata in E minor, The Night Wind, op.25/2 (1913). This work, in three movements, an Introduction, Theme and Variations and a rondo finale, is an emotionally exhausting experience, so complex are Medtner's argument and thick textures. Those who claim that Medtner's was a smaller talent than Rachmaninov's need only to hear this work to be disabused of such a misguided thought. That Medtner didn't possess Rachmaninov's overt passionate outpourings is irrelevant—this is simply very fine music. I am sure that that is one reason why this fabulous music has been ignored. Kayaleh and Stewart's understanding, and very obvious passionate advocacy shines through every bar of their performance. They never lose sight of the ultimate musical goal. They throwing off of the complexities of the music and bringing out the glowing, and very sunny, conclusion to the work. It's not a moment too long and at the end I would quite happily have spent another half hour with it had the composer thought this necessary!
Between the two Sonatas is the lighter Two Canzonas with (two) Dances, a delightful concoction which makes no pretense at profundity. It is there simply to please.
This is a super disk well worth getting hold of. Medtner's art is very special and our lack of hearings of his works has robbed us all of something extraordinarily wonderful. With very good recording and fine notes this is a release to return to again and again.
Hard on the heels of Naxos's first volume of music for violin and piano by Nikolai Medtner (1880-1951) comes the second. Volume 1 had the gorgeous Violin Sonata 3, titled the Epica, (Jan/Feb 2008) while here we have Sonata 1, inspired by the myths of Dionysus, and 2, the Spring Sonata.
This program is as delightful as the earlier one. Medtner's compositional skills improved over time, but he was a real composer from the start, not just someone who published music to pay the bills—which, by the way, he had a hard time doing. Even in these earlier works there are no longueurs or passages where the composer is just filling in measures for transitions from one theme to the next. He doesn't juxtapose good themes with mediocre ones either. Another thing that happened with time is that Medtner's compositions got longer. Sonata 1 takes almost 21 minutes here, Sonata 2 takes twice as long, and Sonata 3 takes nearly 47 minutes. It's remarkable that the longer his compositions got, the better they became.
Sonata 1 is in three movements: Canzona, Danza, and Ditirambo. Composed in 1910-11, it is a work full of youthful exuberance and believably reflects the condition of inspired intoxication that the artist experiences in the act of creation. The sonata has the same lusty, romantic type of melody as on the earlier disc. Kayaleh and Stewart incorporate revisions that the composer made in his 1947 recording with Cecilia Hansen. It is followed by the two Canzonas with Dances from 1924, written in exile. These are lovely mood pieces, and I find myself swept away by them.
Sonata 2 was written around the same time as the Canzonas and Dances. Medtner expands on the homesick mood of the second canzona, and the sonata expresses how much he misses the beauty of springtime in his native Russia. It is modeled partly after Beethoven's Kreutzer Sonata, with a majestic slow introduction to the first movement and a theme and variations middle movement, only Medtner sandwiches it between two cadenzas that relate to the theme of II. The theme is a bit solemn, with a strong Russian character, and quite lovely. The variations are masterly. III is joyous. After listening to these two releases, I'm left wondering why it has taken so long for Medtner to achieve the recognition he deserves.
Kayaleh and Stewart are sympathetic interpreters, as they were in the first volume, and again I am surprised that I had not heard Kayaleh before. She is quite a virtuoso, and very musical. I would love to hear more from this duo. Very fine booklet notes again by Paul Stewart.
This is a notable discovery in the expanding Medtner discography. We are told that the Violin Sonata No. 1 is one of his best-known works, but I have never come across it, despite having a penchant for his music. I was taught his early Ein Idyll at boarding school, from where my piano teacher later took a group of us up to London to hear the great composer/pianist play his 3rd concerto and Beethoven's 4th (with an unforgettable Medtner cadenza) at the Royal Albert Hall. Later I acquired 78s of his music in the munificent Medtner Society recordings sponsored by the Maharajah of Mysore.
We have reviewed Medtner's piano music as recorded by Marc-André Hamelin and others, but these sonatas have proved revelatory. Violinists should certainly look out the first, which is suitable for inclusion in any recital, running at c. 20 mins, with movements enticingly titled Canzona: Canterellando con fluidezza; Danza: Allegro scherzando and Ditirambo: Festivamente. The other here is a massive 42 mins work in three main movements, the central one a set of variations.
This Canadian duo offers an ideal partnership with expressive, unshowy virtuosity and ideal recorded balance at McGill Univesity, Montreal. It leaves me eager to get the earlier release, Sonata No. 3 on Naxos 8.570298.
Last August I was welcomed the first of the two discs that would contain the complete violin music of the Russian composer, Nikolay Medtner. In his younger years he had been described by Rachmaninov as 'the greatest composer of our time', probably a slight exaggeration though it measured the high regard in which he was held by his contemporaries. A few years later his life was to be turned upside down when, at the age of thirty-seven, he found his wealth taken from him by the Revolution of 1917. He was allowed to leave Russia in 1921 eventually arriving in England where he and his wife found refuge and the beginning of a new life. Yet musically he was to live in a time-warp, his soul still in Russia and unable to unlock itself so as to move forward with the quickly changing styles of composition. He found champions for his piano works, but we know almost nothing of his music for violin and piano, three massive sonatas being at the centre of a meagre output. All are symphonic in length and proportion, the present release containing the first and second. The First dates from 1911 and was in happier times taking ts theme from the myth of Dionysus and Bacchus, the result being a score of sensuality and happiness. That he revised the work was revealed in a recording made by the composer at the piano in 1947, those changes to the printed score incorporated in this recording. The Second - which lasts over 40 minutes - is in three movements, the extended central movement in the form of a theme and variations. It was completed in the nomadic period prior to his life in England, and is regarded as his finest work in the genre. On this disc the sonatas are separated by the Two Canzonas and Dances, music in a much lighter mood. Laurence Kayaleh is both technically and emotionally very much in command of the music, her intonation, pacing and beauty of tone all of the highest standard. Medtner was an outstanding pianist and here he gives more than an equal share to the keyboard, Paul Stewart a weighty and responsive partner. The sound, as with the first disc, is of admirable quality.


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Stainless Steel Straw with Silicone Tip
Say "no" to single use with the all new Mizu Straw! No more cold stainless feeling from those ice cold cocktails with the stylish marbled silicone tip. Sip your smoothies while on the go spill-free with the sturdiness of the stainless body. Separates into two pieces for easy cleaning at the end of the day. Don't have a brush to clean your straw? No worries, you can purchase a new one here >
Technical Specifications
Insulated: No
Height: 230 mm
Diameter: 8 mm
Weight: 16 gm
Compatible with Tumbler 16 >
Warranty Policies
Mizu guarantees a lifetime warranty against manufacturers defects! Scratches and dents from dropping or normal use do not affect the use or safety of the bottle, but do not qualify for warranty. Paint/graphics are under a one-year warranty.
Do not put hot liquids into single wall Mizu containers.
Do not freeze your Mizu container.
Do not put your Mizu container in the microwave.
Dishwasher may affect the paint and print. Hand washing recommended.
*Any of these improper uses will void the lifetime warranty


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I hope you enjoy scrapbooking with this collection as much as I have enjoyed creating it. As *promised,* nothing in life, however, is free. ;) To get the link to the last set of elements to "L'amour," please click on the survey link below the preview. Your input is very valuable to me, and I look forward to hearing from you. The link will be on the submission confirmation page after you complete the survey.
You can download the papers from Google Drive here.
The SURVEY is here. You will find the final link to the elements on the submission confirmation page!
Lastly, don't forget to visit my Facebook page for the links to these papers and elements. Since I haven't quite figured out how to schedule posts to the fan freebie page, these should be up sometime around noon, Central Standard Time.
Promethean Concepts Facebook Page
Look for two blog trains on the first of the month (one which coordinates with my new collection, "Spring Awakening") and a template train on March 4!
I hope you enjoy the rest of the collection, and happy scrapping!


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Find Hostels all over the World
Tallinn Backpackers, HOSTEL in Tallinn Estonia.
Tallinn Backpackers.
Olevimägi 11, Tallinn, Estonia
Located near:
The right choice for individual travelers.
Top Old Town location, fun and friendly atmosphere, access to activities organised by our sister hostel, and a chill vibe.
Clean, secure, relaxed environment for individual travelers in addition to small groups.
Tallinn Backpackers is well known for


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Advertisements for ourselves
In Technology Review, Bryant Urstadt has an interesting article about the potential for advertising on social networks. Obvioulsy, Facebook's flubbed Beacon program, which notified member's networks about the stuff they were doing on other internet sites, has raised suspicions that users may demand better privacy protections, but this doesn't seem to correspond to the generational cohort's general eagerness for indiscriminate online sharing. You would think people will eventually embrace something like Beacon, because it makes them seem like theya re so famous and important, their every mundane action must be tracked and reported. Maybe they are savvy enough not to be flattered by automated attention, and I'd probably just be creeped out if some friend of mine told me, "Hey, I saw you went online and bought a new pair of New Balances." But then, I'm not of the generation whose members are supposed to be preoccupied with their own notoriety. But perhaps no one wants to be recruited without their consent and without recompense into an endorsement campaign. I'm sure if Beacon credited Facebook users a few cents for every time it blasted out a user's shopping activity, more people would be eager to opt into it.
As Urstadt notes, "The problems with social-network advertising revolve around three main issues: attention, privacy, and content." The privacy issues include not only the mining by advertisers of the personal information you supply to facilitate your social connections, but also, as with Beacon, the use of that personal information -- some of it collected passively as your online activity is surveilled and logged -- as leverage to persuade others. People may not mind being targeted thanks to information they supply -- in fact that can often be somewhat flattering (though I don't feel particularly important when Amazon sends me emails recommending books for me to buy). MySpace is going full steam ahead with "HyperTargeting," which seeks to show you ads that you'll find relevant based on the information your online activity makes available:
In 2007, MySpace launched its HyperTargeting system, which scans users' profiles for information about their interests and demographics. It sorts the profiles into 10 rough categories--such as sports and entertainment--that are subdivided into more than 1,000 narrower categories, such as baseball or a specific film. (E-mail and personal messages are currently not scanned at either Facebook or MySpace.) Says Adam Bain, president of the Fox Interactive Media Audience Network, "People are essentially hand-raising every single day on MySpace and other social-media sites. What we want to do is take that and put it into easy-to-buy segments."Since these ads are more likely to be relevant, users, so the thinking goes, are far less likely to be turned off by them. (The danger is that the social networking experience will become so unpleasant that users will abandon them altogether -- that MySpace, Facebook etc. will go the way of AOL and that nice cluster of advertisment targets will be dispersed to the winds.)
But it is a different matter when your personal information is not being used to target you but to target your friends -- this makes you into a collaborator, an informant, part of the panopticon administering distributed surveillance in our postmodern dystopia. The temptation for advertisers and the networks themselves to take advantage of this possibility, to use you for your connections, may be impossible for them to resist.
Urstadt also highlights the problem of "content adjacency," i.e., what the ads are placed next to, which can be unpredictable, as users frequently change the content they supply. Companies don't want to be perceived as sponsoring some webpage full of neo-Nazi slogans and Prussian Blue videos, for example, though Facebook apparently performs a lot of "user content moderation" according to one of its spokespeople. Content adjacency is obviously a problem for advertisers, but it's also problematic for content providers -- I'm always surprised to see how this blog is contextualized by the ads, and how what I'm writing about is at times trivialized and my authority potentially undermined. The same would certainly happen for the cool-conscious, if attracting the right sort of ads on one's profile pages could be brought into play as a mark of distinction. Advertising always has the potential for calling into question the credibility of what it appears to be sponsoring. Perhaps you really are trying to be very authentic in your profile -- the presence of ads, which are generally oblique and often intentionally misleading in their presentation of information, undermines that authenticity and makes it seem like you are posturing too. The ads create a climate of persuasion, affecting all the discourse that is near it. Rather than mount a futile fight against this, users are likely to assume that the pages are advertisements for themselves and present their information accordingly, with the intent of convincing viewers of something about themselves rather than merely being. (It seems like this is generally true already. One doesn't just exist within the virtual world of the network; one instead develops a profile and a network and then grooms them.) The social network then becomes a place where one can acquire no experience directly, where one cannot simply be in the moment and taking in events. Instead one is always positioning, repositioning and posing, and collecting people's responses. In other words, it's a place to revel in self-consciousness.
An unrelated question. Who is dumb enough to do this: "Chamath Palihapitiya expects Facebook to generate revenue by selling a variety of such services to users. The site has rolled out a "gift" program, in which friends spend real money to "give" friends virtual items, such as an image of a box of tissues with a get-well note." This makes even less sense to me than spending real money to trick out your Second Life avatar. This seems like conspicuous waste par excellence, however, with an audience roped into the transaction by definition. So maybe it will really take off.


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Tattoo Designs
If you walk into a tattoo studio, you can easily see that there are virtually no limits to tattoo designs. Most studios have a plethora of books, posters, and stencil samples; and, as the work of a tattoo artist is much more than simply putting designs on a person's skin, most are very skilled and very talented artists in general. Nearly anything you can visualize, either by description or in a sketch, can be made into a […]Read more


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John Joseph "Johnnie" Silver, son of the late Rolvie Silver and Bertha Richardson Silver, was born on October 27, 1946, in Nash County, North Carolina. God saw the road was getting rough and the hills were hard to climb, so on Tuesday, June 30, 2015, at his home in Hollister, North Carolina, surrounded by his loving family, God gently closed his eyes and whispered, "Peace be thine".
"Johnnie" was educated in the Nash County Public School System and relocated to Halifax County in 1962. During his early life, he joined the White Rock Baptist Church in Hollister, North Carolina, and later changed his membership to the Greater Bethesda Baptist Church also in Hollister, North Carolina. He was a dedicated member of the male chorus, served as a Trustee, and was on the Usher Board.
"Johnnie's" most precious moments were spent fishing, cooking and spending time with his family and church family. He was a loving husband, father, grandfather, brother, uncle and friend, and will be greatly missed by everyone whose life he touched in so many special ways.
In addition to his parents, he was preceded in death by his two brothers, Frankie and Salbert Silver.
Those remaining to forever cherish the precious memory of his life and love are his devoted wife of forty-three years, Roberta Silver of the home; four daughters, Janie Pulley (Rondell) of Rocky Mount, NC, and Linda Lynch, Theresa Lynch (Joseph), and Michelle Silver all of Hollister, NC; two sons, John Silver of Hollister, NC, and Joseph Silver of the home; seventeen grandchildren; eleven great-grandchildren; three sisters, Barbara J. Silver and Mary Hedgepeth (Eddie) all of Hollister, and Lou Roberson (Hilton) of Manhattan, NY; four brothers, Robert Silver (Mary) of Louisburg, NC, Willie Silver (Deborah) of Manhattan, NY, and James Silver and David Silver (Horace) all of Hollister, NC; three other sisters-in-law, Patricia Silver, Corine Lynch (Robert), and Wilhelmia Johnson; three other brothers-in-law, Horace Johnson (Wilhelmia), Calvin Johnson, and William Johnson; and a host of nieces, nephews, cousins, other relatives and friends.
Funeral services will be held at 1:00 P.M. on Friday, July 3, 2015, at the White Rock Baptist Church in Hollister, NC. The Pastor, Rev. Alonzo West, will officiate, and Rev. Stanley Richardson will eulogize. Burial will follow in the former White Rock Baptist Church Cemetery in Hollister, NC. The family will receive friends the funeral home on Thursday, July 2, 2015, from 7:00-8:00 P.M.


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True Horror Stories
Terrance Dicks
|About the Book
Terrance Dicks is an English writer, best known for his work in television and for writing a large number of popular childrens books during the 1970s and 80s.His break in television came when his friend Malcolm Hulke asked for his help with the writing of an episode of the popular ABC (ITV) action-adventure series The Avengers, on which Dicks received a co-writers credit on the broadcast. He also wrote for the popular ATV soap opera Crossroads.In 1968 he was employed as the assistant script editor on the BBCs popular science-fiction series Doctor Who. Dicks went on to become the main script editor on the programme the following year, and earned his first writing credit on the show when he and Hulke co-wrote the epic ten-part story The War Games which closed the sixth season and the era of Second Doctor Patrick Troughton.Dicks went on to form a highly productive working relationship with incoming Doctor Who producer Barry Letts, working as the script editor on each of Letts five seasons in charge of the programme from 1970 to 1974. After his departure, Dicks continued to be associated with the programme, writing four more scripts: Robot (1975, the opening story of Tom Bakers era as the Fourth Doctor), The Brain of Morbius (1976), Horror of Fang Rock (1977), State of Decay (1981) and the 20th anniversary special The Five Doctors (1983).Dicks also contributed heavily to Target Books range of novelisations of Doctor Who television stories, writing more than sixty of the titles published by the company. In this role, he would attempt to enlist the original teleplay author to write the books whenever possible, but if they could not or would not, then Dicks would often end up writing the books himself (although he also enlisted other writers including one-time Doctor Who actor Ian Marter and former series producer Philip Hinchcliffe). During the 1990s, Dicks contributed to Virgin Publishings line of full-length, officially-licensed original Doctor Who novels, the New Adventures, which carried on the story of the series following its cancellation as an ongoing television programme in 1989. He wrote the first of the Eighth Doctor Adventures, The Eight Doctors, which was for a time the best-selling original Doctor Who novel. His most recent contributions to the range are the Quick Reads books Made of Steel and Revenge of the Judoon, both featuring the Tenth Doctor and Martha Jones.It was through his work on Doctor Who books that he became a writer of childrens fiction, penning many successful titles during the 1970s and 80s. In 1976, Dicks wrote a trilogy of books published by Target Books called The Mounties about a recruit in the Royal Canadian Mounted Police. These were followed in 1979–1983 by another Target trilogy Star Quest, which were later reprinted by Big Finish Productions.Starting in 1978, Dicks began a series called The Baker Street Irregulars which eventually ran to ten books, the last being published in 1987. In 1981, Dicks also began a series of six childrens horror novels with Cry Vampire.1987 saw Dicks start a new series of books for very young children called T. R. Bear, amounting to a further seven books. These were followed by the Sally Ann series about a determined ragdoll, Magnificent Max about a cat and The Adventures of Goliath about a golden retriever. The Goliath series is Dicks largest amounting to eighteen books. Another five books about a St. Bernard dog made up the Harvey series. Jonathans Ghost and three sequels were published in 1988, and the three book MacMagic series followed in 1990. The Littlest Dinosaur was published in 1993 and The Littlest on Guard in 1994. Other works published in 1994 include Woof! the Never Ending Tale, the Cold Blood series (four books), the Chronicles of a Computer Game Addict (four books). Between 1998 and 2000 Dicks produced the three novel Changing Universe series. Since then, Dicks has been engaged


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For Booking:
14 Guillaume Avenue Bordeaux, Randburg Johannesburg South Africa
+2782 852 8084
I was born in traditional family in the Himalayas. In 1984 I completed my Ayurvedic Degree Ayurvedacharya (BAMS) from Kurukshetra University, India. This was followed by a Post Graduate Degree in Alternate Healing and a Diploma in Panchakarma.
I have been treating patients for over 20 years around the world using an integrated approach that incorporates ancient Ayurvedic traditions and the practice of modern medicine.
My approach is not to put a plaster on the sore or offer a prescription that takes away the pain. Together we will embark, hand in hand, on a journey into yourself where we will heal the source of the imbalance, trauma or disease.
I am honored to be a part of your journey to perfect health.
Warm Regards
Dr. Ram Garg
Johannesburg South Africa
Ayurveda, the oldest healing art, has been practised in the Indian sub-continent since the
dawn of human existence. This health system is backed by modern research and a western
scientific education system. Sadly, the ordinary South African is exposed to a limited aspect
of Ayurveda fuelled mostly by google searches or by unqualified people practising as
Ayurvedic doctors. In fact, a VAIDYA (Ayurvedic doctor) must complete a six-year university
degree. All Ayurvedic graduates are trained in both Ayurvedic and medical hospitals. A 3-
year post-graduate MD degree is offered to the most successful graduates.
Our Center provides the best solution for health care by providing treatments based on
traditional, authentic and scientific Ayurveda. Our place, where you can consult with Dr Ram
to find Ayurvedic solutions for your health conditions, is therapeutic.
In addition, Ayurveda is not only a system of medicines but a natural way of living in
harmony with one's existence. Ayurvedic treatment not only complements modern science
but has the ability to completely eradicate certain serious illnesses.
The Ayurvedic approach to healing is highly individualised. Diagnosis reveals not only the
damaged system or organ, but also the reason for this damage and thus the way to
recovery. Our scientific approaches and understanding of the reasons or the root cause of
diseases combined with a body-friendly treatment makes Ayurveda a complete system of
medicine. Based on this, each person seeking Ayurvedic treatment needs to be seen and
diagnosed by an Ayurvedic doctor before treatment is commenced.
Our Wellness Center provides the best solution for health care by providing treatments
based on traditional, authentic and scientific Ayurveda. Our place is therapeutic, where you
can consult with Dr Ram with your health conditions to find Ayurvedic solutions for you.
Our scientific approaches and understanding of the reasons or the root cause of
diseases as well as a body friendly treatment makes Ayurveda a complete system of
medicine. Each person thus needs to be seen and diagnosed by an ayurvedic doctor for
treatment to commence.
An ayurvedic consultation is the most important part for a journey with Ayurveda. This is an
extensive process which may take up to an hour. During this initial consultation, Dr Ram not
only examines the person from an Ayurveda perspective but also uses his western medical
skills for diagnosis. It is therefore advisable to bring all your prescribed medicines, X -Rays
and lab reports when you come for a consultation.
Consultations consist of questions regarding lifestyle, diet and health. During the
consultation an Ayurvedic pulse check and medical examination to establish an
understanding of the individual and his/her specific medical concerns regarding an illness is
done. This determines the appropriate individualised treatment plan.
Our team is led by Dr Ram Garg he is an Indian university qualified doctor with 20 year of
international experience in the field of Ayurveda healing
He is from tradition of Vaidya Ramasra Mal of Lahore, where the knowledge of healing
properties of plants, that has been closely protected and guarded, and has been passed on
from generation to generation for thousands of years.
Our motto is: To explore ancient eastern wisdom and to present its secrets to everyone in a
practical form.
Dr Ram works with appointments only; please make an appointment before you come..


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The Manifold Benefits of Austin Home Automation
The future is with you and with the current technology; it is a reality in the making. With intuitive technology, it is possible to set the home to do many functions automatically. It is possible to automate electrical appliances and lights of the home with set rules and your life will transform. A few pushes of the button while doing your Austin home automation project, you will have more security, safety, and convenience.
The technology of automation does not have limits to several functions in the home alone. It creates a lot of efficiency and effectiveness at business, industrial, and hospitality departments. Technology is improving constantly to improve modern features to bring in a wave of change in local ways of energy management and enterprise security.
Before you embark on Austin home automation in the enterprise and home, you have to carry out an in-depth research. To begin with, you … Read the rest


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North American Network Operators Group
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wanted: server hotel location(s) in SE,GR
Hi, I was wondering if anyone knew of server hotel locations in Sweden or Greece. More generally, if there is a good resource for me to look this up myself next time. Thanks in advance, Travis -- <URL:https://www.subspacefield.org/~travis/> Q: Who Would Jesus Waterboard? A: Matthew 5:38-42 For a good time on my email blacklist, email [email protected]


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Valerie Salamon (Martin)
College Station TX Retired - Law Enforcement Married 3 Charles 2018-05-31 03:14:26Unbelievable that 40 years have passed since graduation. I married Guy Sandel while we were attending Texas A&M and we were married for 9 years. He passed away in 2006. I married Charles Martin and we will celebrate 26 years of marriage in October. We are living in College Station and are both die-hard Aggies with season tickets to football, basketball (men and women's), and hopefully soon, baseball games. We raised three kids...Ryne (34) is a lawyer Dallas, Gary (32) is a chef in College Station, and Traci (29) is a teacher for Bryan ISD. We have been blessed with 5 beautiful grandbabies and enjoy every moment we get to spend with them! I retired from law enforcement in 2007 (due to medical reasons) and am counting the days until Charles retires in 2019. I hope everyone enjoys the reunion!
Janie Saldivar (Rios)
College Station Texas Stephen F. Austin Middle School Married 3 Abel 2013-10-16 17:17:49
I have been married for 29 yrs, have 3 sons Marc, Joseph, Adrian. Marc/Jannise have 3 beautiful girls, Nana's and grandpa's girls. Joseph/Donna are having there first child in mid Dec. can't wait. Our youngest Adrian is following in dad's footsteps as a bodytech. I've been working w/my husband for the past 20 yrs. Yes, we can get along at work & home. I married the good guy Abel. I have been so very blessed. Happy are those that look up to the Lord.
Rhonda San Angelo (Blevins)
Henrietta TX Retired School Administrator Married 4 Van Blevins 2017-04-24 18:53:19Hi everyone,
I've been living in the Wichita Falls/Henrietta, Texas area since 1982. I retired last year (2015) from my career as an educator...teacher, principal, and district administrator. Enjoying some new hobbies and visiting family.
I have been with my wonderful husband, Van, for the last seventeen years. I have 4 grown children: Chris Cavett, Stephanie Edwards, Tara Kirkland, and Lyndi Cavett. Between us, Van and I have twelve grandchildren. We spend most of our time participating in their activities and enjoying family fun at Possum Kingdom Lake and on the Frio River.
Tom Saylak
Scarsdale New York Private Investments Married 1 Laurie 2012-08-06 13:39:25
First, thanks to Olguita for reaching out to find me!
Robert Scamardo
Houston TX Attorney/Mediator 3 2012-08-06 13:24:37Very grateful to Olgui and the committee for coordinating our 30th reunion. I'm looking forward to seeing friends and where our life's journey has taken us.
Kelli Scasta (Lewis)
St. Louis MO Tax Partner, BDO USA LLP Married 1 David 2018-06-29 12:16:40Married for 38 years to David who is a Captain for American Airlines. We have one son, David Barclay, who is 31 years old. He has a beautiful girlfriend named Kayla. Both graduated from University of Missouri. No grandchildren but a granddog named "Sheena" who is an Australian Cattle Dog.
Big "thank you" to the folks putting this together!
Paul Schertz
Aloha OR Engineering Married 2 Kathy 2012-08-06 14:00:52
Living in Portland, Oregon working in engineering. Married 25 years with 2 kids - 19 year old daughter and 15 year old son. Following their interests in taekwondo and wildlife tracking.
Paul Schleider
Bryan IT Specialist Married 2 Lyla 2018-02-08 09:09:02
Charles Schugart
Bellaire Texas President/CEO U.S. Legal Support, Inc. www.uslegalsupport.com Married 4 Sherri 2012-08-06 13:38:15
Kay Schwartz (Carrabba)
Bryan TX Homemaker Married 2 Mark Carrabba 2012-08-06 13:27:33Hi Everyone! Can't believe 30 years has already passed by. I have been married to Mark Carrabba (BHS Class of '75) for 23 yrs. We have 2 sons, Ross, 21 and Travis, 18. Ross is in the US Marine Corp. starting his 1st School of Training. Graduated Boot Camp Feb. 22, '08. Travis is a freshman at Blinn Jr. College hoping to transfer to Texas A & M in the fall of '09. With both boys out of the house and on their own, I keep busy with the house and working part-time at Mark's office. Can't wait to see everyone in July!


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It's my party and I'll have a checklist if I want to! Do you know the one thing that doesn't change in life whether you are an adult or a child? The complexity of who to invite to your party and where to have it! Finding a venue for your workshop/conference/anniversary can be very time consuming so I've compiled a checklist below to help simplify it. If you are based in Northern Ireland, Visit Belfast have a very comprehensive list of venues in Belfast with the maximum capacity theatre and banquet style.
Whether you are a freelance coach/trainer/speaker or working for a company you may often find yourself having to organise an event of some kind. I worked as a PA for 10 years so often had to book venues for Christmas parties or team away days. Now as a VA, I help small business owners research venues for Director meetings; speaking or training locations; event launches; business milestones etc. I've also been on the other side where I've been asked to speak at events about my own business. So, I've drawn together below a checklist of things to think about when booking an event. Keep reading if you are interested in downloading a checklist of things to tick off when you are in the middle of organising an event/conference/bootcamp
A few years ago, I had a big birthday and invited 40 of my closest friends. I had people from all aspects and periods of my life from primary school friend to friends I met while working in Luxembourg. So I wanted to find a venue and an activity that was pretty central for everyone to get to, that allowed people to mix easily and had good food. I worked in Belfast Welcome Centre for 2 years as a Tourist Advisor so I also wanted to showcase Belfast. In the end I booked Mulsanne Casinos and had a casino night at Crumlin Road Gaol with a tour beforehand. The customer service was fantastic beforehand and after. More about that at the end
Organising an event can be very stressful as there are so many elements to think of so I've compiled a list for the pre-event stage:
Researching a venue
Things to think about in researching a venue :
1. How many people you anticipate will attend
2. How easy it is for people to get to
2. How easy it is to park
3. How accessible is it if you are carrying any kind of equipment into the room
4. Will there be staff on the day/night present to help signpost people and with registration
5. Do you have to provide your own tea/coffee/biscuits or is there in-house catering
6. How well ventilated or heated the room is
7. How good is the Wi-Fi
8. How good are the acoustics
9. Does the venue provide an overhead projector and laptop on site if you are giving a Powerpoint presentation
10. Is there technical support on site in case anything goes wrong
By human nature we are programmed to remember the bad things and I remember vividly venues I've been in for events which have been freezing or roasting, where there is no tea on arrival, where the sound is poor and where it has been difficult to park.
Booking a venue
The Fine Print-things to remember to ask about:
1. What the cancellation policy is
2. If prices include VAT or not
3. If you are able to check the room in person in advance
4. Discount if you are booking repeat slots/ if you are also booking people into the venue to stay overnight/sister discounts with other establishments etc
5. Reconfirm everything at least 5 days in advance
And remember to get everything in writing from quote at the start to the final confirmation! Best lesson I was ever taught in a coordination role is never to assume anything. The person you confirmed the booking with on the phone, may get distracted and forget to write your booking down in their calendar or you may get the dates mixed up! Always try at least 5 working days in advance of your event contact the venue to reconfirm details and if needs be find an alternative venue if you are double booked.
Always plan for the unforeseeable
No matter what your event is, always plan or the unforeseeable ! Some elements will always be beyond your control. You can't predict the weather/ a total powercut/bomb alerts/your keynote speaker missing their flight/rail strikes etc. but you can eat least make a Plan B or C in advance.
The Crumlin Road Gaol still sends me a birthday card every year in the post which I'm always touched by. A notification in an Excel sheet or in Mail Chimp is a very simple thing to set up but it's the little things that sway you to go back or to recommend others!
If you are organising a training event, a workshop or a conference with several speakers and are feeling overwhelmed about the elements to organise please get in touch to see if I can help you in the lead up to it.
If you are interested in receiving an extra checklist of things to think off whilst organising an event please download it here


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Stage 1: Pre-Game
You've waited all week for this moment. Even though you probably drank last night, the first drink on a Friday night is so flavorful it's like you're taking your taste buds on an orgasmic journey. Wherever your pre-game location is there is always a stereo and aux cord. You try to impress your friends and put on some best of 2014 pop remixes that everyone has already illegally downloaded. You take shots with beer chasers and begin your night. After a slight buzz everyone remotely single in your phone book becomes appealing. You send out a mass "what you doin tonight" text. There's a university home game at 7:05 but you're so cool you leave at 7:15 that way everyone will see you walk down to the front row of the student section.
Stage 2: Sporting Event
Now you are noticeably buzzed when you arrive to the game but remember, you go to college and are an alcoholic, so you stay out in the car and miss the first period to drink more. 2nd period starts. After loudly verbally urinating on the opposing team for 20 minutes you head back out to the car during the intermission to polish off the remainder of your Keystone Lights and Windsor pulls. You go back in for the end of the game at a pretty solid drunk level. After the game you head back out to the car and it won't start. Your drunk friend left the dome light on and the battery is dead. After 7 minutes of locating jumper cables and double checking the difference between red and black with your cell phone light to avoid electrocution, you're on to stage 3.
Stage 3: Campus
Your least drunk friend drives you back to Campus... Word gets out to half the school enrollment and it is on. Everyone turns into well-oiled drinking machines. Heart-to-hearts in the bedrooms, drunk Mario Kart on the TV, drinking games at the counter, and shotgun stations at both sinks. The place is packed end to end and there's enough underage girls to make a Rebecca Black music video. This is the most fun you've had all night and you're in the perfect drunk nirvana. Nothing can take you out of this tranquility state except for three little knocks at the door.....RAs. These Residential Advisors are Real Asshats, however the fun isn't quite over thanks to hilarious comments thrown out by the party comedians. Everyone has to leave but you stand out in the hallway for a while to be entertained by your plastered friend making explicit sexual references to the RAs on his way out. On to stage 4.
Stage 4: Different Part of Campus
A smaller, mostly upper-class crowd reconvenes their alcoholic activities somewhere else. Not as fun as stage 3, but you're drunker. You call a couple cabs to head downtown to the bars. If you're lucky your cab is a van that plays music videos on a fold down TV. If you're unlucky, you're in a 1997 four-door shit box with a driver named Hank who smells like hookers and cigarettes. On to stage 5.
Stage 5: Bar #1
Congrats for making it to stage 5, a.k.a. the largest pickle derby in town. Bar #1 is typically filled with a lot of dudes. Guys, I hope you didn't plan on meeting girls during this stage because going to going to Bar #1 to pick up chicks is like getting take-out from Hooter's... it's absolutely pointless. The guy to girl ratio is like the odds of winning McDonald's monopoly.... and not the purple ones, I'm talking Boardwalk and Park Place. After an exciting 35 minutes of failed pick-up attempts on the busy waitresses and throwing peanut shells at guys from your neighboring town college from your booth, you decide to try the other Friday night hot spot, or as I like to call it, stage 6.
Stage 6: Bar #2
After leaving Weiner Warehouse Inc. you stumble yourself down a block and make it into Bar #2. Bar #2 is generally a dark and small dance club type bar. Holy shit... the wall-to-wall space is more narrow than a dorm-wing hallway. After 20 minutes of being invisible you finally get yourself an overpriced drink. You decide to check out the dance floor which is slightly bigger than a handicapped bathroom stall. You know absolutely no one. You stare at the weird Asian chick doing the robot for a few minutes then head back to your group of 8 friends sitting at a 3 person table. You get bumped into by some daryl in a flannel. He recognizes you as the guy who was throwing peanut shells at him earlier. You go outside. You trade-off terrible drunk insults/threats at one another. Your friends grab you away and you steal some group of girls' cab-van off the street. I know, I know, you would've totally killed that guy.. he's so lucky. On to the final stage.
Stage 7: Off-Campus House
Campus is full of kids too drunk or young to make stages 5 and 6, so you end up at the ultimate after-party: an off-campus house. Congratulations. You puke in the bushes and head into your friends place. You crack a light-beer and have about 3 sips in an hour as you tell the most dime-a-dozen drunk stories that happened 2 hours ago. The night dwindles as you hopefully find a hook-up, find a bed, and 5 am finally hits. Goodnight Academia.


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Book now
Via Capo D'Africa 37 Rome Italy
Area: --
View map
Book online or call +39 041 8624040
view info & map
Property Location
With a stay at this apartment, you'll be centrally located in Rome, steps from Colosseum and 14 minutes by foot from Roman Forum. This apartment is 2.2 mi (3.6 km) from Trevi Fountain and 2.9 mi (4.7 km) from Spanish Steps.
Make yourself comfortable in this air-conditioned apartment, featuring a kitchenette with a refrigerator and a dishwasher. Complimentary wireless Internet access keeps you connected, and a flat-screen television is provided for your entertainment. Conveniences include a sofa bed and an iron/ironing board.
Make use of convenient amenities, which include complimentary wireless Internet access and tour/ticket assistance.


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Photos: Alex Ovechkin Celebrates 50th Goal, Poses With Milestone Puck
Photo: @WashCaps
Related Posts: Ovechkin's 50th Goal (GIFs) | Caps Fans Chant M-V-P
Washington Capitals captain Alex Ovechkin hit another milestone on Tuesday. The Russian machine scored his 50th goal– an accomplishment he's reached six times time in his career. There are only two players in NHL history who have done it more: Wayne Gretzky and Mike Bossy, both with nine. So tonight is special– even if right now it feels like meh, just another goal from the Ovi.
Mike Green said it best:
Green on another 50-goal season: "We're sort of immune to it now, really. We don't expect it, but it's amazing how he does it every year."
— Alex Prewitt (@alex_prewitt) April 1, 2015
"Every year it's getting harder and harder," Ovechkin said after the game. Yet even at age 29 (when he should have already slowed down), he's still putting up huge numbers.
Let's enjoy this moment.
Read More