text:
Do you pay for parking space you cannot use? We can arrange for the immediate deployment of SIA Wheelclampers.
Wheel clamping is an excellent deterrent to unauthorised parking and is quite legal, provided a notice is displayed prominently, stating that unauthorised parked vehicles will be clamped and a release fee charged.
All Operatives are SIA Licensed for vehicle immobilisation.
An irate motorist who's car has been clamped can become very abusive or at the very worst, violent.
No one wants to expose staff to such risks.
That's when One Nation Security Services Agency come in.
You decide who are the unauthorised users of your car park.
We provide windscreen stickers and large visible warnings to Government Regulations.
The SIA Registered Wheel Clamper will clamp any unauthorised users of your private car park.
The windscreen sticker has the telephone number of the SIA Registered Clamper/Company who the motorist telephones and then the SIA Registered Clamper then returns to the motorist and receives payment for the release fee.
On receipt of this fee, the operative removes the clamp and ensures that the offender removes their vehicle promptly.
In certain cases they will remove your vehicle and bring it to a Secure Compound and await your call.
THIS SERVICE IS VERY BENEFICIAL IF YOU HAVE BEEN EXPERIENCING PROBLEMS WITH UNAUTHORISED PARKING.

lowercased:
do you pay for parking space you cannot use? we can arrange for the immediate deployment of sia wheelclampers.
wheel clamping is an excellent deterrent to unauthorised parking and is quite legal, provided a notice is displayed prominently, stating that unauthorised parked vehicles will be clamped and a release fee charged.
all operatives are sia licensed for vehicle immobilisation.
an irate motorist who's car has been clamped can become very abusive or at the very worst, violent.
no one wants to expose staff to such risks.
that's when one nation security services agency come in.
you decide who are the unauthorised users of your car park.
we provide windscreen stickers and large visible warnings to government regulations.
the sia registered wheel clamper will clamp any unauthorised users of your private car park.
the windscreen sticker has the telephone number of the sia registered clamper/company who the motorist telephones and then the sia registered clamper then returns to the motorist and receives payment for the release fee.
on receipt of this fee, the operative removes the clamp and ensures that the offender removes their vehicle promptly.
in certain cases they will remove your vehicle and bring it to a secure compound and await your call.
this service is very beneficial if you have been experiencing problems with unauthorised parking.


text:
TEL 01792 310110 - Open Monday to Saturday 9am- 5pm.
We are eBay business accountants. We understand ebay and online business!! This may sound like a strange point, BUT a ot of accountants don't, they don't understand the paypal system, how to process and download documents to make things easier for you - in fact for a lot of our clients, no data input is required on their behalf. Either we can produce all required information automatically (via Ebay and paypal downloads) or we will do the hard work for you.
W we have clients all over the UK, in various industries, and we have maintained a successful business relationship for many years with them at a fraction of the cost of employing an accounts assistant in the office. For a free quote email us today with your requirements. Our service is very cost effective and efficient.
1. If you are new to Ebay / online business you may require advice on how to set up your business, who you need to inform of this and what, if any, fees or taxes you will be required to pay.
2. We can prepare your annual business accounts, your self assessment tax return / corporation tax return and submit this to the relevant authorities (i.e HM revenue & customs, companies house etc).
3. We can monitor and advise on when your business is required to register for VAT, and prepare your quarterly or annual returns.
4. We offer advice and guidance on what expenses are tax deductible.
5. If you are a limited company we can offer advice on achieving a tax efficient balance between salary and dividends.
6. We can prepare business plans and budgets which you may require if you are applying for a bank loan or mortgage.
7. We offer tax planning advice on how to (legally!) minimise your tax liabilities.
8. We have a payroll bureau to produce periodic payslips, P45's, P60's, annual returns etc.
In addition to the above, we also do the basics, we respond to your questions and requests in a timely manor, we don't ignore your requests or make you wait weeks for a response, we inform you of up coming deadlines to avoid any fines or penalties, and all of our services are provided at an agreed fixed fee so you know exactly what you are paying and what for.
We look after small and large businesses. We have clients who are sole traders with only one member of staff, directors for salary and dividends, Ltd Companies with 100 plus members of staff.
We are based in The Enterprise Zone,llansamlet, Morriston, Swansea and we cover businesses all over the uk. . Abertawe Accountancy Service is a friendly reliable accountancy service at an excellent price. Give us a ring now on 01792 310110 to book your first meeting.

lowercased:
tel 01792 310110 - open monday to saturday 9am- 5pm.
we are ebay business accountants. we understand ebay and online business!! this may sound like a strange point, but a ot of accountants don't, they don't understand the paypal system, how to process and download documents to make things easier for you - in fact for a lot of our clients, no data input is required on their behalf. either we can produce all required information automatically (via ebay and paypal downloads) or we will do the hard work for you.
w we have clients all over the uk, in various industries, and we have maintained a successful business relationship for many years with them at a fraction of the cost of employing an accounts assistant in the office. for a free quote email us today with your requirements. our service is very cost effective and efficient.
1. if you are new to ebay / online business you may require advice on how to set up your business, who you need to inform of this and what, if any, fees or taxes you will be required to pay.
2. we can prepare your annual business accounts, your self assessment tax return / corporation tax return and submit this to the relevant authorities (i.e hm revenue & customs, companies house etc).
3. we can monitor and advise on when your business is required to register for vat, and prepare your quarterly or annual returns.
4. we offer advice and guidance on what expenses are tax deductible.
5. if you are a limited company we can offer advice on achieving a tax efficient balance between salary and dividends.
6. we can prepare business plans and budgets which you may require if you are applying for a bank loan or mortgage.
7. we offer tax planning advice on how to (legally!) minimise your tax liabilities.
8. we have a payroll bureau to produce periodic payslips, p45's, p60's, annual returns etc.
in addition to the above, we also do the basics, we respond to your questions and requests in a timely manor, we don't ignore your requests or make you wait weeks for a response, we inform you of up coming deadlines to avoid any fines or penalties, and all of our services are provided at an agreed fixed fee so you know exactly what you are paying and what for.
we look after small and large businesses. we have clients who are sole traders with only one member of staff, directors for salary and dividends, ltd companies with 100 plus members of staff.
we are based in the enterprise zone,llansamlet, morriston, swansea and we cover businesses all over the uk. . abertawe accountancy service is a friendly reliable accountancy service at an excellent price. give us a ring now on 01792 310110 to book your first meeting.


text: Krejcárek is a seven-storey administrative building with services - café, restaurant, dining room, dental surgery, Thai massages, fitness center, hotel rooms, car wash etc. The layout of individual floors allows open offices as well as individual offices. Krejcárek Center is located on the border of Žižkov, Karlín and Vysočany districts, at the intersection of Novovysočanská and Pod Krejcárkem streets. The locality is easily accessible by car and public transport, located directly at bus and tram stops. Metro line B - Palmovka is one stop by bus or tram from the building.

lowercased: krejcárek is a seven-storey administrative building with services - café, restaurant, dining room, dental surgery, thai massages, fitness center, hotel rooms, car wash etc. the layout of individual floors allows open offices as well as individual offices. krejcárek center is located on the border of žižkov, karlín and vysočany districts, at the intersection of novovysočanská and pod krejcárkem streets. the locality is easily accessible by car and public transport, located directly at bus and tram stops. metro line b - palmovka is one stop by bus or tram from the building.


text:
fsb@crynwr.com: 4884: Who's running your business?
Subject: Who's running your business?
> legally make such a desicion.
you come to is going to be specific to that case.
let people contract the liability among themselves.
and they're happy to transfer pennies at a time.
a customer, egold could be a very nice way to accept money from them.
> > making good law.
> an ideal (or near-ideal) manner, it's still closer than just giving up.
I fail to get the law enacted, I have lost my investment.

lowercased:
fsb@crynwr.com: 4884: who's running your business?
subject: who's running your business?
> legally make such a desicion.
you come to is going to be specific to that case.
let people contract the liability among themselves.
and they're happy to transfer pennies at a time.
a customer, egold could be a very nice way to accept money from them.
> > making good law.
> an ideal (or near-ideal) manner, it's still closer than just giving up.
i fail to get the law enacted, i have lost my investment.


text:
Save time, and book online.
If you’re after Holiday hire, Baby Capsule hire, a Car seat Installation or check; just click on the service you require and you’ll be able to view pricing and book online.
After a delivery quote? Get in touch at hello@childsafetysolutions.com.au, and we can send through all the necessary information.
We’re ready to answer any questions you may have. Delivery quotes and hire bookings are best done via the links above or via email so you have all the information you need.
Please note: Text messages to this number are not monitored. Please feel free to call or send an email instead.
We also offer a number of our services throughout the Gold Coast, Brisbane and Logan.

lowercased:
save time, and book online.
if you’re after holiday hire, baby capsule hire, a car seat installation or check; just click on the service you require and you’ll be able to view pricing and book online.
after a delivery quote? get in touch at hello@childsafetysolutions.com.au, and we can send through all the necessary information.
we’re ready to answer any questions you may have. delivery quotes and hire bookings are best done via the links above or via email so you have all the information you need.
please note: text messages to this number are not monitored. please feel free to call or send an email instead.
we also offer a number of our services throughout the gold coast, brisbane and logan.


text: 17. COPYRIGHT. All contents of Site or Service are: Copyright © ’ . 2017 .’ ’. A Better Life .’.

lowercased: 17. copyright. all contents of site or service are: copyright © ’ . 2017 .’ ’. a better life .’.


text:
First, a request: if you have a friend you think would like or benefit from reading this note, please forward to them.
I’ve written about the need to use local lenders countless times. Here’s one more story for you. Trust me; if you use a local lender, things are likely to go better.
I represented a seller, and the lender lied to me, the other agent, the buyer, the seller and ultimately delayed closing by months. Months! His boss took over, reassigning minion lying lender. Boss was less than forthcoming throughout the process. We ultimately closed, with much pain all around.
Sometime later, I’m representing a seller, in which we were expecting multiple offers. One agent called me and indicated he would be bringing an offer. I mentioned that the lender would be a factor in my clients’ evaluation process. When he said his clients would be using (an awful big bank, the same big bank who had lied) I advised that I would counsel my clients with my experience, and hence, his clients would be in a weaker position than the other offers.
Buyers – the time to evaluate lenders is not the day of the offer. The time to start and build that relationship is now.
Sellers – Hopefully you have competent representation. When you receive an offer, ask about the lender.
Buyers and sellers – make sure you’re hiring a better than average real estate agent. The 2017 market is going to demand expertise.
What’s the market going to do next year?
What else will come on the market that I’ll like?
It’s hard – and scary – to make a decision with relatively limited information, albeit the best and most accurate and most up-to-date information available.
As a Realtor, I can’t answer that question, but I can prompt it, and facilitate the conversation. The actual decision is yours.
* when I started writing this section, I recalled that I’d written it before. I recommend that story.
Filter bubbles are dangerous, as we’ve seen this year. If all I read what National Association of Realtors press releases/market updates (to be fair, I like what Lawrence Yun writes), and didn’t read other stuff, like Naked Capitalism, National Association of Home Builders, Calculated Risk, Fox Business) I wouldn’t at least be trying to see the whole picture.
Honestly, this kind of bores me this month, and I’m debating procrastinating until January. Short story: 2017 is likely to be hard. Quick insight here.
If you’re thinking about selling in 2017, and you’re seeking representation, please contact me before Christmas … lots of things to consider over the holidays.
Buyers – let’s get started now. I’d love to have the conversation.
What’s a great Realtor worth?
I ask in my buyer intake survey “What are You Expecting from a Realtor”? A recent response answers that question for me.
Having moved several times during my career, I know that a good realtor can make a huge difference, while a subpar one can cost a client tens of thousands. As you can guess I have experienced both. Above all, be diligent, do the homework and ensure that I don’t get burned.
Experience matters. Professionalism matters. Skills matter. We’re entering another real estate market where expertise is going to matter. I’ve said countless times that representation is critical. Take it from my experienced client; representation matters.
We’ve started a new program at Nest where agents can invite clients, or whomever, to a movie. The first one was the new Harry Potter movie, and the December one is Star Wars.
The Nest marketing team is exceptional, and they make us all look good. We truly appreciate our clients, and the money I spend inviting clients to these events (I won’t invite all clients to all Nest Presents events – that would get crazy expensive fast!) is worth it. I could spend money sending recipes or random tips, but we’re building relationships and experiences.
I’m proud of what Nest has become, and look forward to the coming year. Watch out.
At one point this year, I represented a seller in a Homeowners Association. I ordered the HOA package, my clients were out of town, so I wrote the check to the self-managed HOA and left it on the HOA rep’s doorstep (who knows me). They lost it for a few weeks. When they did cash it, it bounced. I so rarely write actual checks that I inadvertently grabbed the wrong checkbook.
He did. I took cash, and covered the bounce fee.
Sadly, this is an easy example of many HOAs – rather than be human, defaulting to the lowest common denominator, and ultimately giving other HOAs a bad name and reputation.
Remember when I wrote a couple months ago about being nice? It’s not hard.
Crozet Board of Trade met.
I started riding a bicycle in 2013 after being forced out of soccer through injury. I liked riding my bicycle; it was fun. I started the Crozet Cycling Club in 2015 and rode almost 1,100 miles. I have ridden way more this year than ever before – over 8,000 miles as of this writing. We’ve created a group that loves riding bicycles, enjoys laughing, drinking beer, and taking pictures of the amazing place in which we live.
Eating a healthy diet with at least 5 servings of fruits and/or vegetables daily, staying active during the day, avoiding smoking, limiting alcohol to no more than 2 drinks/day, and maintaining positive social connections will all help keep you healthy.
My wish for everyone is that they are able to be part of something like the CCC.
Next month: I’ll get to writing about unrepresented sellers, make predictions about 2017, and hopefully answer a couple emails from readers.
Questions? Comments? Hearing from you is one of the highlights of my month.

lowercased:
first, a request: if you have a friend you think would like or benefit from reading this note, please forward to them.
i’ve written about the need to use local lenders countless times. here’s one more story for you. trust me; if you use a local lender, things are likely to go better.
i represented a seller, and the lender lied to me, the other agent, the buyer, the seller and ultimately delayed closing by months. months! his boss took over, reassigning minion lying lender. boss was less than forthcoming throughout the process. we ultimately closed, with much pain all around.
sometime later, i’m representing a seller, in which we were expecting multiple offers. one agent called me and indicated he would be bringing an offer. i mentioned that the lender would be a factor in my clients’ evaluation process. when he said his clients would be using (an awful big bank, the same big bank who had lied) i advised that i would counsel my clients with my experience, and hence, his clients would be in a weaker position than the other offers.
buyers – the time to evaluate lenders is not the day of the offer. the time to start and build that relationship is now.
sellers – hopefully you have competent representation. when you receive an offer, ask about the lender.
buyers and sellers – make sure you’re hiring a better than average real estate agent. the 2017 market is going to demand expertise.
what’s the market going to do next year?
what else will come on the market that i’ll like?
it’s hard – and scary – to make a decision with relatively limited information, albeit the best and most accurate and most up-to-date information available.
as a realtor, i can’t answer that question, but i can prompt it, and facilitate the conversation. the actual decision is yours.
* when i started writing this section, i recalled that i’d written it before. i recommend that story.
filter bubbles are dangerous, as we’ve seen this year. if all i read what national association of realtors press releases/market updates (to be fair, i like what lawrence yun writes), and didn’t read other stuff, like naked capitalism, national association of home builders, calculated risk, fox business) i wouldn’t at least be trying to see the whole picture.
honestly, this kind of bores me this month, and i’m debating procrastinating until january. short story: 2017 is likely to be hard. quick insight here.
if you’re thinking about selling in 2017, and you’re seeking representation, please contact me before christmas … lots of things to consider over the holidays.
buyers – let’s get started now. i’d love to have the conversation.
what’s a great realtor worth?
i ask in my buyer intake survey “what are you expecting from a realtor”? a recent response answers that question for me.
having moved several times during my career, i know that a good realtor can make a huge difference, while a subpar one can cost a client tens of thousands. as you can guess i have experienced both. above all, be diligent, do the homework and ensure that i don’t get burned.
experience matters. professionalism matters. skills matter. we’re entering another real estate market where expertise is going to matter. i’ve said countless times that representation is critical. take it from my experienced client; representation matters.
we’ve started a new program at nest where agents can invite clients, or whomever, to a movie. the first one was the new harry potter movie, and the december one is star wars.
the nest marketing team is exceptional, and they make us all look good. we truly appreciate our clients, and the money i spend inviting clients to these events (i won’t invite all clients to all nest presents events – that would get crazy expensive fast!) is worth it. i could spend money sending recipes or random tips, but we’re building relationships and experiences.
i’m proud of what nest has become, and look forward to the coming year. watch out.
at one point this year, i represented a seller in a homeowners association. i ordered the hoa package, my clients were out of town, so i wrote the check to the self-managed hoa and left it on the hoa rep’s doorstep (who knows me). they lost it for a few weeks. when they did cash it, it bounced. i so rarely write actual checks that i inadvertently grabbed the wrong checkbook.
he did. i took cash, and covered the bounce fee.
sadly, this is an easy example of many hoas – rather than be human, defaulting to the lowest common denominator, and ultimately giving other hoas a bad name and reputation.
remember when i wrote a couple months ago about being nice? it’s not hard.
crozet board of trade met.
i started riding a bicycle in 2013 after being forced out of soccer through injury. i liked riding my bicycle; it was fun. i started the crozet cycling club in 2015 and rode almost 1,100 miles. i have ridden way more this year than ever before – over 8,000 miles as of this writing. we’ve created a group that loves riding bicycles, enjoys laughing, drinking beer, and taking pictures of the amazing place in which we live.
eating a healthy diet with at least 5 servings of fruits and/or vegetables daily, staying active during the day, avoiding smoking, limiting alcohol to no more than 2 drinks/day, and maintaining positive social connections will all help keep you healthy.
my wish for everyone is that they are able to be part of something like the ccc.
next month: i’ll get to writing about unrepresented sellers, make predictions about 2017, and hopefully answer a couple emails from readers.
questions? comments? hearing from you is one of the highlights of my month.


text:
Very Good. Minor shelf wear otherwise fine. B-format paperback. 464 p. Canons . Intended for professional and scholarly audience. Intended for college/higher education audience.
Very good. This book is in stock now in our UK premises. Photos of most of our books are available-please ask, as dustjacket and cover illustrations vary and the pictures you may see are often not ours. Overseas buyers also note that shipping rates apply to packets of 1Kg and under, and should the packed weight of an item exceed this we reserve the right to ship via 'Economy', or cancel, or request extra postage prior to fulfilling the order.
Audio book. Minor surface scratches to the discs. Cracked case. Good condition is defined as: a copy that has been read but remains in clean condition. All of the pages are intact and the cover is intact and the spine may show signs of wear. The book may have minor markings which are not specifically mentioned. Most items will be dispatched the same or the next working day.

lowercased:
very good. minor shelf wear otherwise fine. b-format paperback. 464 p. canons . intended for professional and scholarly audience. intended for college/higher education audience.
very good. this book is in stock now in our uk premises. photos of most of our books are available-please ask, as dustjacket and cover illustrations vary and the pictures you may see are often not ours. overseas buyers also note that shipping rates apply to packets of 1kg and under, and should the packed weight of an item exceed this we reserve the right to ship via 'economy', or cancel, or request extra postage prior to fulfilling the order.
audio book. minor surface scratches to the discs. cracked case. good condition is defined as: a copy that has been read but remains in clean condition. all of the pages are intact and the cover is intact and the spine may show signs of wear. the book may have minor markings which are not specifically mentioned. most items will be dispatched the same or the next working day.


text: Granted, I like the meat locker after spending a few hours in the hot office. That AMD Phenom II CPU makes almost as much heat as my old Pentium 4. At least its speedy.

lowercased: granted, i like the meat locker after spending a few hours in the hot office. that amd phenom ii cpu makes almost as much heat as my old pentium 4. at least its speedy.


text:
Evansville, IN, MARCH 12, 2015 - Springleaf Holdings, Inc. (NYSE:LEAF), today reported a GAAP basis net loss of $47 million, or $0.41 per diluted share for the fourth quarter of 2014, compared with net income of $27 million or $0.24 per diluted share in the fourth quarter of 2013. Net income for the full year 2014 was $505 million, or $4.38 per diluted share, largely attributable to the previously announced pretax gain of $726 million on the sale of approximately $8 billion of real estate assets1,2.
For Core Consumer Operations, core earnings (a non-GAAP measure) for the quarter was $65 million, versus $48 million in the prior year quarter, and earnings per diluted share (a non-GAAP measure) was $0.57 for the fourth quarter versus $0.43 in the prior year quarter3,4. For the segment, full year core earnings were $238 million, versus $198 million in the prior year, and earnings per diluted share was $2.07 versus $1.92 in the prior year.
Consumer net finance receivables reached $3.8 billion at December 31, 2014, an increase of $666 million, or 21% from December 31, 2013, and 6% from September 30, 2014.
Consumer net finance receivables per branch were $4.6 million at December 31, 2014, up 22% from December 31, 2013 and 6% from September 30, 2014.
Risk-adjusted yield for our Consumer segment in the quarter was 21.99%, up 81 basis points from the fourth quarter 2013.
The company generated over $1.0 billion of total consumer origination volume in the fourth quarter including $160 million of direct auto loan originations. Direct auto loan receivables reached $238 million at year-end.
1 Real Estate segment and Other Non-Core reflect historical accounting basis (which is a basis of accounting other than U.S. GAAP).
2 Gain from sale of real estate assets excludes restructuring, transaction expenses and provision adjustments.
3 Excludes the impact of charges related to accelerated repayment/repurchase of debt, fair value adjustments on debt, one-time costs associated with debt refinance, and earnings attributable to non-controlling interests.
4 Core Earnings income taxes assumes 37% statutory tax rate.
Consumer and Insurance pretax income was $64 million in the quarter versus $41 million in the fourth quarter of 2013, and flat from the third quarter of 20145.
Consumer net finance receivables reached $3.8 billion at December 31, 2014, an increase of 21% from December 31, 2013 and 6% from September 30, 2014, driven by the company’s focus on increasing personal loan originations through its branch network and diversifying its product offerings. Consumer net finance receivables per branch continued to grow, reaching $4.6 million at December 31, 2014, up from $3.8 million at December 31, 2013 and $4.3 million at September 30, 2014.
Net interest income was $208 million in the quarter, up 27% from the prior year quarter and 6% from the prior quarter. Yield in the current quarter was 26.95%. Risk adjusted yield, representing yield less net charge-off rate, was 21.99% in the quarter, up 81 basis points from the fourth quarter of 2013 as gross yield expanded while net charge-offs remained flat year-over-year. Risk adjusted yield declined 35 basis points from the third quarter of 2014 due primarily to the seasonal increase in charge-offs.
The annualized net charge-off ratio was 4.96% in the quarter, versus 5.16% in the prior year quarter and 4.68% in the prior quarter.
The annualized gross charge-off ratio was 5.78% in the quarter, up 29 basis points from the prior year quarter and up 32 basis points from the third quarter 2014. Recoveries continued to normalize in the quarter at 82 basis points versus 33 basis points in the fourth quarter of 2013, following the sale of a pool of previously charged-off accounts in June 2013.
The 60+ delinquency ratio was 2.82% at quarter end, versus 2.60% at prior year quarter end and 2.55% at prior quarter end.
5 Consumer and Insurance segment reflects historical accounting basis (which is a basis of accounting other than U.S. GAAP). Pretax income excludes impact of charges related to accelerated repayment / repurchase of debt and one-time costs associated with debt refinance.
The Acquisitions and Servicing segment contributed $39 million to the company’s consolidated pretax income in the quarter6. The entire Acquisitions and Servicing segment, which includes non-controlling interests, generated pretax income of $51 million in the quarter7, with net interest income of $112 million and yield of 26.47%. Actual net finance receivables at quarter-end were $2.0 billion, down from $2.1 billion at September 30, 2014. The principal balance of the portfolio was $2.6 billion at quarter-end versus $3.2 billion at December 31, 2013.
The annualized net charge-off ratio was 5.56% in the quarter, versus 8.46% in the prior year quarter and 5.31% in the prior quarter.
The annualized gross charge-off ratio was 6.15% in the quarter, down 284 basis points from the prior year quarter and up 32 basis points from the third quarter 2014. Recoveries continued to improve in the quarter at 59 basis points versus 53 basis points in the fourth quarter of 2013.
The delinquency ratio for the Acquisitions and Servicing segment was 4.69% at the end of the quarter, a decrease of 42 basis points from the prior quarter end.
The Non-Core Portfolio (consisting of legacy real estate loans) and Other Non-Core activities generated a pretax loss of $71 million in the quarter8. The legacy real estate portfolio pretax loss primarily results from the impact of full year real estate sales on the segment’s interest earning assets. The proceeds from these sales have been allocated to the Non-Core portfolio, which resulted in a reduction to net interest margin.
6 Excludes impact of one-time items related to accelerated repayment/repurchase of debtand earnings attributable to non-controlling interests.
7 Includes impact of charges related to accelerated repayment/repurchase of debt and earnings attributable to non-controlling interests.
8 Excludes impact of one-time items related to the accelerated repayment/repurchase of debt, real estate sales (including restructuring and transaction costs), and one-time costs associated with debt refinance.
As of December 31, 2014, the company had $3.4 billion of cash and highly liquid investment securities. The company had total outstanding debt of $8.4 billion at quarter-end, in a variety of debt instruments.
1. Net Finance Receivables represents data as of December 31, 2014. All other metrics represent data for the year ended December 31, 2014.
2. Risk Adjusted Yield = Yield less Net Charge-off rates.
3. Excludes impact of charges related to accelerated repayment/repurchase of debt, fair value adjustments on debt and earnings attributable to non-controlling interests.
We report the operating results of our Core Consumer Operations, Non-Core Portfolio and Other Non-Core using the same accounting basis that we employed prior to 2010 when we were acquired by Fortress (the “Fortress Acquisition”), which we refer to as “historical accounting basis,” to provide a consistent basis for both management and other interested third parties to better understand our operating results. The historical accounting basis (which is a basis of accounting other than U.S. GAAP) also provides better comparability of the operating results of these segments to our competitors and other companies in the financial services industry. The historical accounting basis is not applicable to Acquisitions and Servicing since this segment resulted from the purchase of the SpringCastle Portfolio on April 1, 2013 and therefore, was not affected by the Fortress Acquisition.
Pretax Core Earnings is a key performance measure used by management in evaluating the performance of our Core Consumer Operations. Pretax Core Earnings represents our income (loss) before provision for (benefit from) income taxes on a historical accounting basis and excludes results of operations from our Non-Core Portfolio (legacy real estate loans) and other non-originating legacy operations, gains (losses) resulting from accelerated long-term debt repayment and repurchases of long-term debt related to Core Consumer Operations (attributable to Springleaf), gains (losses) on fair value adjustments on debt related to Core Consumer Operations (attributable to Springleaf), one-time costs associated with debt refinance related to Consumer and Insurance, and results of operations attributable to non-controlling interests. Pretax Core Earnings provides us with a key measure of our Core Consumer Operations’ performance as it assists us in comparing its performance on a consistent basis. Management believes Pretax Core Earnings is useful in assessing the profitability of our core business and uses Pretax Core Earnings in evaluating our operating performance. Pretax Core Earnings is a non-GAAP measure and should be considered in addition to, but not as a substitute for or superior to, operating income, net income, operating cash flow, and other measures of financial performance prepared in accordance with U.S. GAAP.
Springleaf management will host a conference call and webcast to discuss our fourth quarter and full year 2014 results and other general matters at 10:00 am Eastern on Thursday, March 12, 2015. Both the call and webcast are open to the general public. The general public is invited to listen to the call by dialing 877-330-3668 (U.S. domestic), or 678-304-6859 (international), conference ID 83319327, or via a live audio webcast through the Investor Relations section of the website. For those unable to listen to the live broadcast, a replay will be available on our website or by dialing 800-585-8367 (U.S. domestic), or 404-537-3406, conference ID 83319327, beginning approximately two hours after the event. The replay of the conference call will be available through March 26, 2015. An investor presentation will be available by visiting the Investor Relations page of Springleaf’s website at www.springleaf.com on Thursday, March 12, 2015, prior to the start of the conference call.
This press release contains “forward looking statements” within the meaning of the U.S. federal securities laws. Forward looking statements include, without limitation, statements concerning plans, objectives, goals, projections, strategies, future events or performance, our 2015 guidance ranges and underlying assumptions and other statements, which are not statements of historical facts. Statements preceded by, followed by or that otherwise include the words “anticipate,” “appears,” “believe,” “foresee,” “intend,” “should,” “expect,” “estimate,” “project,” “plan,” “may,” “could,” “will,” “are likely” and similar expressions are intended to identify forward looking statements. These statements involve predictions of our future financial condition, performance, plans and strategies, and are thus dependent on a number of factors including, without limitation, assumptions and data that may be imprecise or incorrect. Specific factors that may impact performance or other predictions of future actions include, but are not limited to: changes in general economic conditions, including the interest rate environment and the financial markets; levels of unemployment and personal bankruptcies; shifts in residential real estate values; shifts in collateral values, delinquencies, or credit losses; natural or accidental events such as earthquakes, hurricanes, tornadoes, fires, or floods; war, acts of terrorism, riots, civil disruption, pandemics, or other events disrupting business or commerce; our ability to successfully realize the benefits of the SpringCastle Portfolio and the OneMain acquisition if completed; the effectiveness of our credit risk scoring models; changes in our ability to attract and retain employees or key executives; changes in the competitive environment in which we operate; changes in federal, state and local laws, regulations, or regulatory policies and practices; potential liability relating to real estate and personal loans which we have sold or may sell in the future, or relating to securitized loans; the costs and effects of any litigation or governmental inquiries or investigations; our continued ability to access the capital markets or the sufficiency of our current sources of funds to satisfy our cash flow requirements; our ability to generate sufficient cash to service all of our indebtedness; the potential for downgrade of our debt by rating agencies; and other risks described in the “Risk Factors” section of the Company’s Form 2013 10-K filed with the SEC on April 15, 2014. Forward looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of the Company to be materially different from any future results, performance or achievements expressed or implied by such forward looking statements. We caution you not to place undue reliance on these forward looking statements that speak only as of the date they were made. We do not undertake any obligation to publicly release any revisions to these forward looking statements to reflect events or circumstances after the date of this presentation or to reflect the occurrence of unanticipated events. You should not rely on forward looking statements as the sole basis upon which to make any investment decision.
Net income (loss) attributable to Springleaf Holdings, Inc.

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evansville, in, march 12, 2015 - springleaf holdings, inc. (nyse:leaf), today reported a gaap basis net loss of $47 million, or $0.41 per diluted share for the fourth quarter of 2014, compared with net income of $27 million or $0.24 per diluted share in the fourth quarter of 2013. net income for the full year 2014 was $505 million, or $4.38 per diluted share, largely attributable to the previously announced pretax gain of $726 million on the sale of approximately $8 billion of real estate assets1,2.
for core consumer operations, core earnings (a non-gaap measure) for the quarter was $65 million, versus $48 million in the prior year quarter, and earnings per diluted share (a non-gaap measure) was $0.57 for the fourth quarter versus $0.43 in the prior year quarter3,4. for the segment, full year core earnings were $238 million, versus $198 million in the prior year, and earnings per diluted share was $2.07 versus $1.92 in the prior year.
consumer net finance receivables reached $3.8 billion at december 31, 2014, an increase of $666 million, or 21% from december 31, 2013, and 6% from september 30, 2014.
consumer net finance receivables per branch were $4.6 million at december 31, 2014, up 22% from december 31, 2013 and 6% from september 30, 2014.
risk-adjusted yield for our consumer segment in the quarter was 21.99%, up 81 basis points from the fourth quarter 2013.
the company generated over $1.0 billion of total consumer origination volume in the fourth quarter including $160 million of direct auto loan originations. direct auto loan receivables reached $238 million at year-end.
1 real estate segment and other non-core reflect historical accounting basis (which is a basis of accounting other than u.s. gaap).
2 gain from sale of real estate assets excludes restructuring, transaction expenses and provision adjustments.
3 excludes the impact of charges related to accelerated repayment/repurchase of debt, fair value adjustments on debt, one-time costs associated with debt refinance, and earnings attributable to non-controlling interests.
4 core earnings income taxes assumes 37% statutory tax rate.
consumer and insurance pretax income was $64 million in the quarter versus $41 million in the fourth quarter of 2013, and flat from the third quarter of 20145.
consumer net finance receivables reached $3.8 billion at december 31, 2014, an increase of 21% from december 31, 2013 and 6% from september 30, 2014, driven by the company’s focus on increasing personal loan originations through its branch network and diversifying its product offerings. consumer net finance receivables per branch continued to grow, reaching $4.6 million at december 31, 2014, up from $3.8 million at december 31, 2013 and $4.3 million at september 30, 2014.
net interest income was $208 million in the quarter, up 27% from the prior year quarter and 6% from the prior quarter. yield in the current quarter was 26.95%. risk adjusted yield, representing yield less net charge-off rate, was 21.99% in the quarter, up 81 basis points from the fourth quarter of 2013 as gross yield expanded while net charge-offs remained flat year-over-year. risk adjusted yield declined 35 basis points from the third quarter of 2014 due primarily to the seasonal increase in charge-offs.
the annualized net charge-off ratio was 4.96% in the quarter, versus 5.16% in the prior year quarter and 4.68% in the prior quarter.
the annualized gross charge-off ratio was 5.78% in the quarter, up 29 basis points from the prior year quarter and up 32 basis points from the third quarter 2014. recoveries continued to normalize in the quarter at 82 basis points versus 33 basis points in the fourth quarter of 2013, following the sale of a pool of previously charged-off accounts in june 2013.
the 60+ delinquency ratio was 2.82% at quarter end, versus 2.60% at prior year quarter end and 2.55% at prior quarter end.
5 consumer and insurance segment reflects historical accounting basis (which is a basis of accounting other than u.s. gaap). pretax income excludes impact of charges related to accelerated repayment / repurchase of debt and one-time costs associated with debt refinance.
the acquisitions and servicing segment contributed $39 million to the company’s consolidated pretax income in the quarter6. the entire acquisitions and servicing segment, which includes non-controlling interests, generated pretax income of $51 million in the quarter7, with net interest income of $112 million and yield of 26.47%. actual net finance receivables at quarter-end were $2.0 billion, down from $2.1 billion at september 30, 2014. the principal balance of the portfolio was $2.6 billion at quarter-end versus $3.2 billion at december 31, 2013.
the annualized net charge-off ratio was 5.56% in the quarter, versus 8.46% in the prior year quarter and 5.31% in the prior quarter.
the annualized gross charge-off ratio was 6.15% in the quarter, down 284 basis points from the prior year quarter and up 32 basis points from the third quarter 2014. recoveries continued to improve in the quarter at 59 basis points versus 53 basis points in the fourth quarter of 2013.
the delinquency ratio for the acquisitions and servicing segment was 4.69% at the end of the quarter, a decrease of 42 basis points from the prior quarter end.
the non-core portfolio (consisting of legacy real estate loans) and other non-core activities generated a pretax loss of $71 million in the quarter8. the legacy real estate portfolio pretax loss primarily results from the impact of full year real estate sales on the segment’s interest earning assets. the proceeds from these sales have been allocated to the non-core portfolio, which resulted in a reduction to net interest margin.
6 excludes impact of one-time items related to accelerated repayment/repurchase of debtand earnings attributable to non-controlling interests.
7 includes impact of charges related to accelerated repayment/repurchase of debt and earnings attributable to non-controlling interests.
8 excludes impact of one-time items related to the accelerated repayment/repurchase of debt, real estate sales (including restructuring and transaction costs), and one-time costs associated with debt refinance.
as of december 31, 2014, the company had $3.4 billion of cash and highly liquid investment securities. the company had total outstanding debt of $8.4 billion at quarter-end, in a variety of debt instruments.
1. net finance receivables represents data as of december 31, 2014. all other metrics represent data for the year ended december 31, 2014.
2. risk adjusted yield = yield less net charge-off rates.
3. excludes impact of charges related to accelerated repayment/repurchase of debt, fair value adjustments on debt and earnings attributable to non-controlling interests.
we report the operating results of our core consumer operations, non-core portfolio and other non-core using the same accounting basis that we employed prior to 2010 when we were acquired by fortress (the “fortress acquisition”), which we refer to as “historical accounting basis,” to provide a consistent basis for both management and other interested third parties to better understand our operating results. the historical accounting basis (which is a basis of accounting other than u.s. gaap) also provides better comparability of the operating results of these segments to our competitors and other companies in the financial services industry. the historical accounting basis is not applicable to acquisitions and servicing since this segment resulted from the purchase of the springcastle portfolio on april 1, 2013 and therefore, was not affected by the fortress acquisition.
pretax core earnings is a key performance measure used by management in evaluating the performance of our core consumer operations. pretax core earnings represents our income (loss) before provision for (benefit from) income taxes on a historical accounting basis and excludes results of operations from our non-core portfolio (legacy real estate loans) and other non-originating legacy operations, gains (losses) resulting from accelerated long-term debt repayment and repurchases of long-term debt related to core consumer operations (attributable to springleaf), gains (losses) on fair value adjustments on debt related to core consumer operations (attributable to springleaf), one-time costs associated with debt refinance related to consumer and insurance, and results of operations attributable to non-controlling interests. pretax core earnings provides us with a key measure of our core consumer operations’ performance as it assists us in comparing its performance on a consistent basis. management believes pretax core earnings is useful in assessing the profitability of our core business and uses pretax core earnings in evaluating our operating performance. pretax core earnings is a non-gaap measure and should be considered in addition to, but not as a substitute for or superior to, operating income, net income, operating cash flow, and other measures of financial performance prepared in accordance with u.s. gaap.
springleaf management will host a conference call and webcast to discuss our fourth quarter and full year 2014 results and other general matters at 10:00 am eastern on thursday, march 12, 2015. both the call and webcast are open to the general public. the general public is invited to listen to the call by dialing 877-330-3668 (u.s. domestic), or 678-304-6859 (international), conference id 83319327, or via a live audio webcast through the investor relations section of the website. for those unable to listen to the live broadcast, a replay will be available on our website or by dialing 800-585-8367 (u.s. domestic), or 404-537-3406, conference id 83319327, beginning approximately two hours after the event. the replay of the conference call will be available through march 26, 2015. an investor presentation will be available by visiting the investor relations page of springleaf’s website at www.springleaf.com on thursday, march 12, 2015, prior to the start of the conference call.
this press release contains “forward looking statements” within the meaning of the u.s. federal securities laws. forward looking statements include, without limitation, statements concerning plans, objectives, goals, projections, strategies, future events or performance, our 2015 guidance ranges and underlying assumptions and other statements, which are not statements of historical facts. statements preceded by, followed by or that otherwise include the words “anticipate,” “appears,” “believe,” “foresee,” “intend,” “should,” “expect,” “estimate,” “project,” “plan,” “may,” “could,” “will,” “are likely” and similar expressions are intended to identify forward looking statements. these statements involve predictions of our future financial condition, performance, plans and strategies, and are thus dependent on a number of factors including, without limitation, assumptions and data that may be imprecise or incorrect. specific factors that may impact performance or other predictions of future actions include, but are not limited to: changes in general economic conditions, including the interest rate environment and the financial markets; levels of unemployment and personal bankruptcies; shifts in residential real estate values; shifts in collateral values, delinquencies, or credit losses; natural or accidental events such as earthquakes, hurricanes, tornadoes, fires, or floods; war, acts of terrorism, riots, civil disruption, pandemics, or other events disrupting business or commerce; our ability to successfully realize the benefits of the springcastle portfolio and the onemain acquisition if completed; the effectiveness of our credit risk scoring models; changes in our ability to attract and retain employees or key executives; changes in the competitive environment in which we operate; changes in federal, state and local laws, regulations, or regulatory policies and practices; potential liability relating to real estate and personal loans which we have sold or may sell in the future, or relating to securitized loans; the costs and effects of any litigation or governmental inquiries or investigations; our continued ability to access the capital markets or the sufficiency of our current sources of funds to satisfy our cash flow requirements; our ability to generate sufficient cash to service all of our indebtedness; the potential for downgrade of our debt by rating agencies; and other risks described in the “risk factors” section of the company’s form 2013 10-k filed with the sec on april 15, 2014. forward looking statements involve known and unknown risks, uncertainties and other factors which may cause the actual results, performance or achievements of the company to be materially different from any future results, performance or achievements expressed or implied by such forward looking statements. we caution you not to place undue reliance on these forward looking statements that speak only as of the date they were made. we do not undertake any obligation to publicly release any revisions to these forward looking statements to reflect events or circumstances after the date of this presentation or to reflect the occurrence of unanticipated events. you should not rely on forward looking statements as the sole basis upon which to make any investment decision.
net income (loss) attributable to springleaf holdings, inc.


text:
Not all criminals carjack you in traffic… pick your pockets… or sneak into your house when you’re not home.
Some wear three-piece suits and fly in private jets.
Case in point? Big Pharma and their fat-cat executives are getting FILTHY RICH charging you a fortune for prescription drugs.
You know, the same meds they make for pennies overseas… and sell at a HUGE discount in other countries.
But for these greedy pigs, it’s never enough.
Now, the drug companies are hatching an evil plot to protect their profits — at YOUR expense.
If they succeed, you could end up paying a FORTUNE more for your medications in just a couple months.
And we’re running out of time to stop it.
If you’re dealing with the Medicare Part D “donut hole,” you know there’s nothing sweet about it.
Basically, Medicare Part D covers your drugs until you and your plan spend a combined $3,750 — and then you’re on your own until you’ve reached $5,000 in out-of-pocket expenses.
With most seniors taking multiple drugs a month, you can reach that donut hole FAST — and it can be a financial DISASTER.
For lots of folks, that donut hole can make it hard to pay the heating bill… afford car payments… or even buy groceries.
And, believe it or not, the greed-fueled CRIMINALS at Big Pharma want to make your problems WORSE.
You see, earlier this year, Congress reached an agreement (yep, they actually agreed on something). Starting in 2019, the drug companies would pay 70% of your brand-name drug costs while you’re in the donut hole.
That deal could literally save you THOUSANDS on drugs — but not if Big Pharma has anything to say about it.
Some of the largest drug companies in the world have dispatched an army of shady lobbyists to Capitol Hill. And they’re trying to kill the new agreement before a new Congress is sworn in… and it EVER goes into effect.
They’re reaching out to lame-duck members of Congress… folks whose backs the drug companies have been scratching for years… and asking for one last favor.
These drug companies want to protect their profits, even if they BANKRUPT you in the process.
Groups like AARP are trying to sound the alarm… but the media is barely touching the story (big surprise with all of those Big Pharma ad dollars, right?).
Like I said, we’re running out of time to stop this — and the time to act is NOW.
Reach out to your members of Congress, and tell them to stand up to Big Pharma and REFUSE to roll back the expanded donut hole coverage in 2019.
Remind them that they’re supposed to represent US — and not some slimy lobbyists in wing-tipped shoes.

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not all criminals carjack you in traffic… pick your pockets… or sneak into your house when you’re not home.
some wear three-piece suits and fly in private jets.
case in point? big pharma and their fat-cat executives are getting filthy rich charging you a fortune for prescription drugs.
you know, the same meds they make for pennies overseas… and sell at a huge discount in other countries.
but for these greedy pigs, it’s never enough.
now, the drug companies are hatching an evil plot to protect their profits — at your expense.
if they succeed, you could end up paying a fortune more for your medications in just a couple months.
and we’re running out of time to stop it.
if you’re dealing with the medicare part d “donut hole,” you know there’s nothing sweet about it.
basically, medicare part d covers your drugs until you and your plan spend a combined $3,750 — and then you’re on your own until you’ve reached $5,000 in out-of-pocket expenses.
with most seniors taking multiple drugs a month, you can reach that donut hole fast — and it can be a financial disaster.
for lots of folks, that donut hole can make it hard to pay the heating bill… afford car payments… or even buy groceries.
and, believe it or not, the greed-fueled criminals at big pharma want to make your problems worse.
you see, earlier this year, congress reached an agreement (yep, they actually agreed on something). starting in 2019, the drug companies would pay 70% of your brand-name drug costs while you’re in the donut hole.
that deal could literally save you thousands on drugs — but not if big pharma has anything to say about it.
some of the largest drug companies in the world have dispatched an army of shady lobbyists to capitol hill. and they’re trying to kill the new agreement before a new congress is sworn in… and it ever goes into effect.
they’re reaching out to lame-duck members of congress… folks whose backs the drug companies have been scratching for years… and asking for one last favor.
these drug companies want to protect their profits, even if they bankrupt you in the process.
groups like aarp are trying to sound the alarm… but the media is barely touching the story (big surprise with all of those big pharma ad dollars, right?).
like i said, we’re running out of time to stop this — and the time to act is now.
reach out to your members of congress, and tell them to stand up to big pharma and refuse to roll back the expanded donut hole coverage in 2019.
remind them that they’re supposed to represent us — and not some slimy lobbyists in wing-tipped shoes.


text:
Supported with an incredible live band, stunning costumes and Michael’s iconic dance moves, get ready to take a journey back in time!
Roll up, roll up and get your skates on, the Roller Planet roller disco is coming to Weymouth Pavilion! All ages welcome - great fun for all the family!
Our magical Christmas pantomime for 2019/20 is now on sale! This timeless tale follows our heroine, the beautiful Cinderella, on a mission to make her dreams come true.

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supported with an incredible live band, stunning costumes and michael’s iconic dance moves, get ready to take a journey back in time!
roll up, roll up and get your skates on, the roller planet roller disco is coming to weymouth pavilion! all ages welcome - great fun for all the family!
our magical christmas pantomime for 2019/20 is now on sale! this timeless tale follows our heroine, the beautiful cinderella, on a mission to make her dreams come true.


text: I am sure all of you want to learn keil C programming for 8051. Here is a brief tutorial for you to give a head start to your learning. Following topics are covered in tutorial. If you want to know more other than what is covered here, Please use forum.

lowercased: i am sure all of you want to learn keil c programming for 8051. here is a brief tutorial for you to give a head start to your learning. following topics are covered in tutorial. if you want to know more other than what is covered here, please use forum.


text:
24 spacious units, 28 parking space; 31,512 total sq. ft., 14,360 lot sq. ft.
Sunset Strip adjacent and contiguous to new luxury mixed use 8150 Sunset development.
Call (310) 963-4358 now to receive more information or view the property website or brochure by clicking either button on the right.

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24 spacious units, 28 parking space; 31,512 total sq. ft., 14,360 lot sq. ft.
sunset strip adjacent and contiguous to new luxury mixed use 8150 sunset development.
call (310) 963-4358 now to receive more information or view the property website or brochure by clicking either button on the right.


text:
Real Estate Multiple Listings and mortgage rate info for WAUNETA, NB Companies.
If we haven't found a WAUNETA, NB company's page yet, their phone number may be included.
Links in the end columns are links to companies working in WAUNETA who'd like your business.

lowercased:
real estate multiple listings and mortgage rate info for wauneta, nb companies.
if we haven't found a wauneta, nb company's page yet, their phone number may be included.
links in the end columns are links to companies working in wauneta who'd like your business.


text:
This is a placeholder page for Laurance Dorsey, which means this person is not currently on this site. We do suggest using the tools below to find Laurance Dorsey.
You are visiting the placeholder page for Laurance Dorsey. This page is here because someone used our placeholder utility to look for Laurance Dorsey. We created this page automatically in hopes Laurance Dorsey would find it. If you are not Laurance Dorsey, but are an alumni of Mumford High School, register on this site for free now.

lowercased:
this is a placeholder page for laurance dorsey, which means this person is not currently on this site. we do suggest using the tools below to find laurance dorsey.
you are visiting the placeholder page for laurance dorsey. this page is here because someone used our placeholder utility to look for laurance dorsey. we created this page automatically in hopes laurance dorsey would find it. if you are not laurance dorsey, but are an alumni of mumford high school, register on this site for free now.


text:
Brunswick District will be holding a organising meeting for Victorian Socialists, and making plans for our future campaigning activities in the electorate. This will also be a good opportunity to meet other volunteers and members who live in the Brunswick District.
We will be meeting inside the bar at the Brunswick Green @ 6 pm on Wednesday 6th of June. All are welcome to attend.

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brunswick district will be holding a organising meeting for victorian socialists, and making plans for our future campaigning activities in the electorate. this will also be a good opportunity to meet other volunteers and members who live in the brunswick district.
we will be meeting inside the bar at the brunswick green @ 6 pm on wednesday 6th of june. all are welcome to attend.


text:
Aesthetic Smiles Dental Clinic provide a wide range of dental care from basic diagnosis, routine dental procedures to full mouth rehabilitation. We at Aesthetic Smiles provide the latest modern facilities for the dental treatments like Root canal treatment, Teeth whitening, Dental Implants, Cosmetic Dentistry, Dentures etc. All specialized treatments are rendered by skillful and experienced team of dentists.
Dr. Ritika Arora is awarded as the top best Dentist in Mumbai and has been in the field of dentistry for the past 16 years providing personalized quality dental care in Mumbai with an ambition to take Indian dentistry to international standards at an affordable cost to all. We put our best efforts to bring the dazzling smile on your face. We have achieved the trust of our patients who are happy and come with their loved ones.
Your appointment is just a click away, you can book an appointment online or call us on +91-9619955929.
We believe in painless dentistry, we have all specialist working under one roof so you will get international standard treatment absolutely painless. Professional Dentist, top infrastructure, International Standard Treatment and personlized care make Aesthetic Smiles Dental Clinic the best in dentistry in the Mumbai.
Root canal treatment is no more painful. Medical technology these days has made almost every dental treatment painless and so the root canal treatment is. You will surely go through a pain-free experience during your dental visits. Endodontists with modern techniques and anesthetics, ensure that their patients are comfortable during the procedure.
Do I need dental checkups, if I have braces? How often should I go for treatment?
Obviously Yes! Because of braces, food may be caught in places where your toothbrush can't reach. This allows bacteria to build up and can cause cavities, gingivitis, and gum disease. At Aesthetic Smiles India, you will find the best dentists of Mumbai along with specialised orthodontist who make sure that your teeth stay clean and healthy while wearing braces. You should visit your dentist in every six months.
How frequently should I see the dentist?
Children, teens, and adults should visit the dentist for a regular checkup at least once every six months. Patients who are facing oral cancer or gum disease at higher risk should visit the dentist more than just twice a year. Your doctor will suggest that how frequently you should visit the dentist for regular checkups.
Can I get Painless Dentistry service in Mumbai?
Which treatment should I prefer if I want to fix artificial teeth?
Losing your teeth can be painful. But this problem can be resolved by Dental Implants. The most experienced Dentists at Aesthetic Smiles India will provide you a comfortable, attractive substitute to your natural teeth. It enables you to live a confident life with an enhancing smile.

lowercased:
aesthetic smiles dental clinic provide a wide range of dental care from basic diagnosis, routine dental procedures to full mouth rehabilitation. we at aesthetic smiles provide the latest modern facilities for the dental treatments like root canal treatment, teeth whitening, dental implants, cosmetic dentistry, dentures etc. all specialized treatments are rendered by skillful and experienced team of dentists.
dr. ritika arora is awarded as the top best dentist in mumbai and has been in the field of dentistry for the past 16 years providing personalized quality dental care in mumbai with an ambition to take indian dentistry to international standards at an affordable cost to all. we put our best efforts to bring the dazzling smile on your face. we have achieved the trust of our patients who are happy and come with their loved ones.
your appointment is just a click away, you can book an appointment online or call us on +91-9619955929.
we believe in painless dentistry, we have all specialist working under one roof so you will get international standard treatment absolutely painless. professional dentist, top infrastructure, international standard treatment and personlized care make aesthetic smiles dental clinic the best in dentistry in the mumbai.
root canal treatment is no more painful. medical technology these days has made almost every dental treatment painless and so the root canal treatment is. you will surely go through a pain-free experience during your dental visits. endodontists with modern techniques and anesthetics, ensure that their patients are comfortable during the procedure.
do i need dental checkups, if i have braces? how often should i go for treatment?
obviously yes! because of braces, food may be caught in places where your toothbrush can't reach. this allows bacteria to build up and can cause cavities, gingivitis, and gum disease. at aesthetic smiles india, you will find the best dentists of mumbai along with specialised orthodontist who make sure that your teeth stay clean and healthy while wearing braces. you should visit your dentist in every six months.
how frequently should i see the dentist?
children, teens, and adults should visit the dentist for a regular checkup at least once every six months. patients who are facing oral cancer or gum disease at higher risk should visit the dentist more than just twice a year. your doctor will suggest that how frequently you should visit the dentist for regular checkups.
can i get painless dentistry service in mumbai?
which treatment should i prefer if i want to fix artificial teeth?
losing your teeth can be painful. but this problem can be resolved by dental implants. the most experienced dentists at aesthetic smiles india will provide you a comfortable, attractive substitute to your natural teeth. it enables you to live a confident life with an enhancing smile.


text:
We founded KinkBNB in 2015 as service and marketplace to find fun locations and share accommodations with accepting people. As an online service, KinkBNB can go anywhere you want to go. Whether you are traveling across country or wanting a local adventure, KinkBNB can help connect you. Many sites offer to connect you to regular rooms, but KinkBNB specializes in adult play rooms, or accommodations with the open minded. And the perfect place share your own fantasy!
Airbnb Meets 50 Shades of Grey: What Will They Think of Next?

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we founded kinkbnb in 2015 as service and marketplace to find fun locations and share accommodations with accepting people. as an online service, kinkbnb can go anywhere you want to go. whether you are traveling across country or wanting a local adventure, kinkbnb can help connect you. many sites offer to connect you to regular rooms, but kinkbnb specializes in adult play rooms, or accommodations with the open minded. and the perfect place share your own fantasy!
airbnb meets 50 shades of grey: what will they think of next?


text:
At this stage in the poem, the poet is trying to escape from the reality, and experience the ideal rather than complement one with the other. Keats develops a dialectic by partaking both the states-the fretful here of man and the happy there of the Nightingale-and serves as the mediator between the two. She founded the sanitary methods that we still use today. He also realizes that death means he could no longer hear the bird song and will be non-existent. The happiness which Keats hears in the song of the nightingale has made him happy momentarily but has been succeeded by a feeling of torpor which in turn is succeeded by the conviction that life is not only painful but also intolerable.
Students who utilize any model paper from eCheat. Many of the ideas in Keats's works are quintessentially of Romantic nature: imagination and creativity, the beauty of nature, magical creatures or experience, and the true sufferings of human life. The odes are similar in many ways as in both Keats depicts the symbols of immortality and escapism, and grief to joy. The Romantics were drawn to the medieval past, myths and legends, supernatural being, and nature. Keats does not make any clear-cut distinction between the two. John Keats is no exception to this. As far as the ideas, which he sang, were capable of application to life, he applied them in his own conduct.
To him, a glass of this wine will transport him into that joyous world of the nightingale. Circularity gives a sense of completeness without giving precise explanation to this experience. John Keats is no exception to this. Have for most of us, and he found the same kind of intense significance in their manifestations of beauty that we find in the beauty of human belongs or of great works of art. But the world of the nightingale is also a world characterized by darkness. He soon finds himself back with his everyday, trouble-filled self. The nature of this significance, he could not explain; but he could express it with enormous power in his art, and with a precision of statement which seems miraculous where the nature of the subject matter is considered… to Shelley, the West Wind was still a wind, and the cloud a cloud, however intense a reality they might have for him.
The feeling is a result of the deep awareness of happiness of the nightingale he hears singing; his resulting pleasure is so intense it has become painful. The generous fertility of Nature is inseparable from the grave. The privation of the third stanza is as vividly depicted as the ideal abundance of the second. He reconciles them by a prior imaginative acceptance of the unity of experience, by means of which he invests them with a common extremity and intensity of feelirtg. The speaker vision is interrupted in the moment that the bird flees away, leaving him alone at the border between reality and fantasy.
He has flown into the forest on the wings of his imagination in spite of the retarding effect of the dullness of the brain. Together both the similarities and differences, illustrate the human spirit, and a multitude of emotions. In this poem the world of mankind and the world of the nightingale are contrasted with each other. Fled is that music: - Do I wake or sleep? Darkling I listen; and, for many a time I have been half in love with easeful Death, Call'd him soft names in many a mused rhyme, To take into the air my quiet breath; Now more than ever seems it rich to die, To cease upon the midnight with no pain, While thou art pouring forth thy soul abroad In such an ecstasy! These figures appear to be figures he envisions on an urn, evasive yet real figures that urge. His poems can often be related back to his bitter and sad experiences in life. But the meditative trance cannot last.
John Keats, a poet of the romantic era, composed this poem in the spring of 1819. There is jealousy toward the nightingale because it. Art can consist of some of the same things which you can find in common with another time period. In the fourth and fifth stanzas, he changed back into a joyous mood. He can visualize the legendary figure. It shows that Greek mythology had a deep hold on the mind of the poet. Of course, Keats immortalizes the bird by thinking of the race of it as the symbol of universal and undying musical voice, which is the voice of nature, and also of ideal romantic poetry, of the world of art and spirit.
The story begins with a young Student crying because the daughter of the Professor told him that if he brought her red roses, she would dance with him at the ball, but there are no red roses in his garden. Keats felt a tranquil and continual joy in its song, and one morning, sitting in a chair on the grass-plot under a plum-tree, he composed a poem containing his poetic feelings about the song of the nightingale. The summary of the poem is the poem begins as the speaker starts to feel disoriented from listening to the song of the nightingale, as if he had just drunken something really, really strong. When Keats was fifteen, Abbey withdrew him from the Clarke School, Enfield, to apprentice with an apothecary-surgeon and study medicine in a London hospital. The affinity of temper between them prompts the poet to appeal to the Wind to save him from his present plight.
This shows his growing hope that perhaps he will not meeting death so soon yet toward the end of the poem he gives up by falling in love with death. From the distant and dim horizon to the highest point in the sky, the whole visible space is filled by the movements of the air. Basically, this part is the poet observing the bird. He thinks that the bird lives in a place of beauty. It is true, he gives them human life through his personifications, but he does it unintentionally for he felt they are living beings capable of doing the work of human beings. Nay, he needs not the aid of Bacchus. He contrasts the mortality and suffering of human being with the immortality and perfect happiness of the nightingale.
When he came into the house, I perceived he had some scraps of paper in his hand, and these he was quietly thrusting behind the books. The same music, which instigated him to take his own life, now brings him back to the realm of reality. Brown rescued the papers and found them to be the poem on the nightingale. Medieval elements and romances and Arthurian legends were incorporated into his poetry. By comparing the elements of poems, it is evident that all aspects relate directly to the human spirit and emotions.
At an early age, Joseph had a wonderful voice. He was generous and benevolent to a fault. But here if anywhere in the poem the necessity to dramatise time or the pressure of actuality, is paramount. John Keats was an English poet who became one of the most important Romantic poets. .

lowercased:
at this stage in the poem, the poet is trying to escape from the reality, and experience the ideal rather than complement one with the other. keats develops a dialectic by partaking both the states-the fretful here of man and the happy there of the nightingale-and serves as the mediator between the two. she founded the sanitary methods that we still use today. he also realizes that death means he could no longer hear the bird song and will be non-existent. the happiness which keats hears in the song of the nightingale has made him happy momentarily but has been succeeded by a feeling of torpor which in turn is succeeded by the conviction that life is not only painful but also intolerable.
students who utilize any model paper from echeat. many of the ideas in keats's works are quintessentially of romantic nature: imagination and creativity, the beauty of nature, magical creatures or experience, and the true sufferings of human life. the odes are similar in many ways as in both keats depicts the symbols of immortality and escapism, and grief to joy. the romantics were drawn to the medieval past, myths and legends, supernatural being, and nature. keats does not make any clear-cut distinction between the two. john keats is no exception to this. as far as the ideas, which he sang, were capable of application to life, he applied them in his own conduct.
to him, a glass of this wine will transport him into that joyous world of the nightingale. circularity gives a sense of completeness without giving precise explanation to this experience. john keats is no exception to this. have for most of us, and he found the same kind of intense significance in their manifestations of beauty that we find in the beauty of human belongs or of great works of art. but the world of the nightingale is also a world characterized by darkness. he soon finds himself back with his everyday, trouble-filled self. the nature of this significance, he could not explain; but he could express it with enormous power in his art, and with a precision of statement which seems miraculous where the nature of the subject matter is considered… to shelley, the west wind was still a wind, and the cloud a cloud, however intense a reality they might have for him.
the feeling is a result of the deep awareness of happiness of the nightingale he hears singing; his resulting pleasure is so intense it has become painful. the generous fertility of nature is inseparable from the grave. the privation of the third stanza is as vividly depicted as the ideal abundance of the second. he reconciles them by a prior imaginative acceptance of the unity of experience, by means of which he invests them with a common extremity and intensity of feelirtg. the speaker vision is interrupted in the moment that the bird flees away, leaving him alone at the border between reality and fantasy.
he has flown into the forest on the wings of his imagination in spite of the retarding effect of the dullness of the brain. together both the similarities and differences, illustrate the human spirit, and a multitude of emotions. in this poem the world of mankind and the world of the nightingale are contrasted with each other. fled is that music: - do i wake or sleep? darkling i listen; and, for many a time i have been half in love with easeful death, call'd him soft names in many a mused rhyme, to take into the air my quiet breath; now more than ever seems it rich to die, to cease upon the midnight with no pain, while thou art pouring forth thy soul abroad in such an ecstasy! these figures appear to be figures he envisions on an urn, evasive yet real figures that urge. his poems can often be related back to his bitter and sad experiences in life. but the meditative trance cannot last.
john keats, a poet of the romantic era, composed this poem in the spring of 1819. there is jealousy toward the nightingale because it. art can consist of some of the same things which you can find in common with another time period. in the fourth and fifth stanzas, he changed back into a joyous mood. he can visualize the legendary figure. it shows that greek mythology had a deep hold on the mind of the poet. of course, keats immortalizes the bird by thinking of the race of it as the symbol of universal and undying musical voice, which is the voice of nature, and also of ideal romantic poetry, of the world of art and spirit.
the story begins with a young student crying because the daughter of the professor told him that if he brought her red roses, she would dance with him at the ball, but there are no red roses in his garden. keats felt a tranquil and continual joy in its song, and one morning, sitting in a chair on the grass-plot under a plum-tree, he composed a poem containing his poetic feelings about the song of the nightingale. the summary of the poem is the poem begins as the speaker starts to feel disoriented from listening to the song of the nightingale, as if he had just drunken something really, really strong. when keats was fifteen, abbey withdrew him from the clarke school, enfield, to apprentice with an apothecary-surgeon and study medicine in a london hospital. the affinity of temper between them prompts the poet to appeal to the wind to save him from his present plight.
this shows his growing hope that perhaps he will not meeting death so soon yet toward the end of the poem he gives up by falling in love with death. from the distant and dim horizon to the highest point in the sky, the whole visible space is filled by the movements of the air. basically, this part is the poet observing the bird. he thinks that the bird lives in a place of beauty. it is true, he gives them human life through his personifications, but he does it unintentionally for he felt they are living beings capable of doing the work of human beings. nay, he needs not the aid of bacchus. he contrasts the mortality and suffering of human being with the immortality and perfect happiness of the nightingale.
when he came into the house, i perceived he had some scraps of paper in his hand, and these he was quietly thrusting behind the books. the same music, which instigated him to take his own life, now brings him back to the realm of reality. brown rescued the papers and found them to be the poem on the nightingale. medieval elements and romances and arthurian legends were incorporated into his poetry. by comparing the elements of poems, it is evident that all aspects relate directly to the human spirit and emotions.
at an early age, joseph had a wonderful voice. he was generous and benevolent to a fault. but here if anywhere in the poem the necessity to dramatise time or the pressure of actuality, is paramount. john keats was an english poet who became one of the most important romantic poets. .


text:
Washington – A former senior C.I.A. official says that officials in the Bush White House sought damaging personal information on a prominent American critic of the Iraq war in order to discredit him.
“We’ve thoroughly researched our records, and any allegation that the C.I.A. provided private or derogatory information on Professor Cole to anyone is simply wrong,” said George Little, an agency spokesman.
Since a series of Watergate-era abuses involving spying on White House political enemies, the C.I.A. and other spy agencies have been prohibited from collecting intelligence concerning the activities of American citizens inside the United States.
“These allegations, if true, raise very troubling questions,” said Jeffrey H. Smith, a former C.I.A. general counsel. “The statute makes it very clear: you can’t spy on Americans.” Mr. Smith added that a 1981 executive order that prohibits the C.I.A. from spying on Americans places tight legal restrictions not only on the agency’s ability to collect information on United States citizens, but also on its retention or dissemination of that data.
Mr. Smith and several other experts on national security law said the question of whether government officials had crossed the line in the Cole matter would depend on the exact nature of any White House requests and whether any collection activities conducted by intelligence officials had been overly intrusive.
The experts said it might not be unlawful for the C.I.A. to provide the White House with open source material — from public databases or published material, for example — about an American citizen. But if the intent was to discredit a political critic, that would be improper, they said.
Mr. Carle, who retired in 2007, has not previously disclosed his allegations. He did so only after he was approached by The New York Times, which learned of the episode elsewhere. While Mr. Carle, 54, has written a book to be published next month about his role in the interrogation of a terrorism suspect, it does not include his allegations about the White House’s requests concerning the Michigan professor.
Professor Cole said he would have been a disappointing target for the White House. “They must have been dismayed at what a boring life I lead,” he said.
In 2005, after a long career in the C.I.A.’s clandestine service, Mr. Carle was working as a counterterrorism expert at the National Intelligence Council, a small organization that drafts assessments of critical issues drawn from reports by analysts throughout the intelligence community. The council was overseen by the newly created Office of the Director of National Intelligence.
Mr. Low was not at work the next morning, Mr. Carle said. But on his way to a meeting in the C.I.A.’ s front office, a secretary asked if he would drop off a folder to be delivered by courier to the White House. Mr. Carle said he opened it and stopped cold. Inside, he recalled, was a memo from Mr. Low about Juan Cole that included a paragraph with “inappropriate, derogatory remarks” about his lifestyle. Mr. Carle said he could not recall those details nor the name of the White House addressee.
He took the document to Mr. Gordon right away, he said. The acting director scanned the memo, crossed out the personal data about Professor Cole with a red pen, and said he would handle it, Mr. Carle said. He added that he never talked to Mr. Low or Mr. Gordon about the memo again.
Mr. Gordon, who has also left government service, said that he did not dispute Mr. Carle’s account, but did not remember meeting with him to discuss efforts to discredit Professor Cole.
Intelligence officials confirmed that the assistant sent e-mails to an analyst seeking information about Professor Cole in 2006. They said he had done so at the request of the Office of the Director of National Intelligence, which had been asked by White House officials to find out why Professor Cole had been invited to CIA-sponsored conferences.
John D. Negroponte, who was then the director of national intelligence, said that he did not recall the incident, but that the White House might have asked others in his office about Professor Cole. A spokeswoman for the office said there was no evidence that anyone there had gathered derogatory information about him.
Around the time that Mr. Carle says the White House requests were made, Professor Cole’s conservative critics were campaigning to block his possible appointment to Yale University’s faculty. In 2006, conservative columnists, bloggers and pundits with close ties to the Bush administration railed against him, accusing Professor Cole of being anti-American and anti-Israeli. Yale ultimately scuttled the appointment.
Professor Cole, 58, is still teaching at Michigan, and still writes his blog on the Middle East, called Informed Comment.

lowercased:
washington – a former senior c.i.a. official says that officials in the bush white house sought damaging personal information on a prominent american critic of the iraq war in order to discredit him.
“we’ve thoroughly researched our records, and any allegation that the c.i.a. provided private or derogatory information on professor cole to anyone is simply wrong,” said george little, an agency spokesman.
since a series of watergate-era abuses involving spying on white house political enemies, the c.i.a. and other spy agencies have been prohibited from collecting intelligence concerning the activities of american citizens inside the united states.
“these allegations, if true, raise very troubling questions,” said jeffrey h. smith, a former c.i.a. general counsel. “the statute makes it very clear: you can’t spy on americans.” mr. smith added that a 1981 executive order that prohibits the c.i.a. from spying on americans places tight legal restrictions not only on the agency’s ability to collect information on united states citizens, but also on its retention or dissemination of that data.
mr. smith and several other experts on national security law said the question of whether government officials had crossed the line in the cole matter would depend on the exact nature of any white house requests and whether any collection activities conducted by intelligence officials had been overly intrusive.
the experts said it might not be unlawful for the c.i.a. to provide the white house with open source material — from public databases or published material, for example — about an american citizen. but if the intent was to discredit a political critic, that would be improper, they said.
mr. carle, who retired in 2007, has not previously disclosed his allegations. he did so only after he was approached by the new york times, which learned of the episode elsewhere. while mr. carle, 54, has written a book to be published next month about his role in the interrogation of a terrorism suspect, it does not include his allegations about the white house’s requests concerning the michigan professor.
professor cole said he would have been a disappointing target for the white house. “they must have been dismayed at what a boring life i lead,” he said.
in 2005, after a long career in the c.i.a.’s clandestine service, mr. carle was working as a counterterrorism expert at the national intelligence council, a small organization that drafts assessments of critical issues drawn from reports by analysts throughout the intelligence community. the council was overseen by the newly created office of the director of national intelligence.
mr. low was not at work the next morning, mr. carle said. but on his way to a meeting in the c.i.a.’ s front office, a secretary asked if he would drop off a folder to be delivered by courier to the white house. mr. carle said he opened it and stopped cold. inside, he recalled, was a memo from mr. low about juan cole that included a paragraph with “inappropriate, derogatory remarks” about his lifestyle. mr. carle said he could not recall those details nor the name of the white house addressee.
he took the document to mr. gordon right away, he said. the acting director scanned the memo, crossed out the personal data about professor cole with a red pen, and said he would handle it, mr. carle said. he added that he never talked to mr. low or mr. gordon about the memo again.
mr. gordon, who has also left government service, said that he did not dispute mr. carle’s account, but did not remember meeting with him to discuss efforts to discredit professor cole.
intelligence officials confirmed that the assistant sent e-mails to an analyst seeking information about professor cole in 2006. they said he had done so at the request of the office of the director of national intelligence, which had been asked by white house officials to find out why professor cole had been invited to cia-sponsored conferences.
john d. negroponte, who was then the director of national intelligence, said that he did not recall the incident, but that the white house might have asked others in his office about professor cole. a spokeswoman for the office said there was no evidence that anyone there had gathered derogatory information about him.
around the time that mr. carle says the white house requests were made, professor cole’s conservative critics were campaigning to block his possible appointment to yale university’s faculty. in 2006, conservative columnists, bloggers and pundits with close ties to the bush administration railed against him, accusing professor cole of being anti-american and anti-israeli. yale ultimately scuttled the appointment.
professor cole, 58, is still teaching at michigan, and still writes his blog on the middle east, called informed comment.


text:
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Settled bogus identification of Smart status disappointments.

lowercased:
cleanmymac 3 activation number is a best cleaning software for mac. that helps any individual in cleaning streamlining and upkeep of mac. presently it has turned into the additional – effective framework utility instrument to keep your imac, macbook star work steadily for long time. it additionally clean up iphoto, expel dialects documents. cleanmymac 3 helps you keep up your mac’s wellbeing. it has much pretty and easy to use interface. it erasing totally different applications. it is well upgrading the mac os x framework for accelerating and in addition possible. it can likewise uninstall the applications and programming that you need to end.
cleanmymac 3 crack keeps your protection safe. it tidies up talk, skimming, and download history. cleanmymac brilliant cleanup depends on only one catch to examine every last bit of your macintosh. it just chooses documents that are 100% safe to erase. so you never need to stress over expelling the wrong ones. it is here to keep your action on your mac private. this cleaner gives you a chance to deal with every one of the expansions, gadgets, and plugins on your mac. its includes highlights that can slim widespread binaries, clean unneeded dialects, rotate logs, clean caches, quick and secure erase, application un establishment, and killing trash left from buried applications. this software gives you wellbeing alerts notifications that pop up when your mac’s equipment or procedures have an issue. also, offers direction on the best way to approach and resolve them.
settled bogus identification of smart status disappointments.


text:
A short, rhythmically virtuosic concert piece for string quartetsempre pizzicato!
and quick improvisations on a 21 step (twenty-one 8th notes) pizzicato figure.
Look for new additions every week.

lowercased:
a short, rhythmically virtuosic concert piece for string quartetsempre pizzicato!
and quick improvisations on a 21 step (twenty-one 8th notes) pizzicato figure.
look for new additions every week.


text:
Become a Correspondent with Plaza Home Mortgage, Inc.
Please enter the password from your Account Executive.
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Don't have a Plaza Account Executive?
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lowercased:
become a correspondent with plaza home mortgage, inc.
please enter the password from your account executive.
please enter the app code from your current application.
don't have a plaza account executive?
interested in becoming an approved correspondent with plaza home mortgage and don't have an ae?