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Mercury Transit in Virgo Tomorrow, Know Its Influence
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Natives of 6 Zodiac signs will get big surprises! Read predictions for Mercury transit in Virgo sign and know how it will influence your life.
The time duration of Mercury transit is 14 days. Its transit gives auspicious results in the second, fourth, sixth, eighth, tenth and eleventh house from ascendant house in a birth chart. Being the significator of wisdom, speech and intellectual, Planet Mercury will transit in Virgo sign on Wednesday, September 19, 2018. It will transit in this sign at 04:23 AM and will remain here till 12:51 PM on Saturday, October 6, 2018.
It will conjunct here with Planet Sun, and both these planets will be aspected by Saturn. Due to this astrological comparison, the prices of Wheat, Sugar and Banking shares would see a steep rise. Now, take a look at below astrological predictions to know what this transit has in store for the natives of all 12 signs.
Click here to know your Moon Sign: Moon sign Calculator
This transit period would lead to monetary gains as well as you would enjoy good food, and may...Read More
With this transit, your mental stress and worries might increase. Additionally, you may face...Read More
During this transit period, your luck would completely transform. There is probability of accumulation of...Read More
Know Remedies for Mercury Related problems: Read Budh Puja Vidhi
During this period, you would experience unknown fears. Your courage and valour...Read More
You would gain wealth and acquire jewellery during this transit period. You would also...Read More
Mercury transit in your own sign might develop a habit of backstabbing others in you. As a result...Read More
Appease Planet Mercury with Green Emerald: Genuine 5 Carat Emerald (Panna)
This transit of Mercury may lead to wealth losses and unhappiness. Mental stress...Read More
Your health would remain good, and happiness would prevail in your life. You would also...Read More
You would be endowed with a promotion at workplace or might acquire a new post. Additionally...Read More
With this transit, you might face hurdles in accomplishing your goals and undertakings...Read More
This transit would lead to monetary gains. Your children would also...Read More
You would find yourself devoid of energy and might face health issues. Conflicts with...Read More
Buy Gemstone, Yantra and other Astrology Products: AstroSage Online Shopping Store
Role of Gemstones in Astrology
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Gemstones are known to bring prosperity, peace and happiness. They also bring power, prosperity, name and fame. According to ancient scriptures "gems are powerful agents of energy which have direct influence on destiny and fate of humans". They bring in positive energy and expel out negative energy. Tantra Shastra has stated human body as "an island made up of 9 gems".
Each of the gem (nav-ratnas) corresponds to 9 dhatus which altogether form the human body.
These 9 gems (nav-ratnas) are divided into 2 groups:
- Precious
- Semi-precious
In the precious group comes Diamond, Emerald, Ruby, Pearl and Blue-sapphire. Whereas, Cat's eye, Hessonite, Coral and Yellow-sapphire come in semi-precious gems.
Click here to make these precious stone yours - Buy Gemstones Online
Rules For Wearing Gemstones
- Before selecting any gem, it is necessary to consult a good astrologer or gem therapist.
- Each finger signifies a particular planet therefore, ring should be worn on the finger which is connected to the planet of that particular finger.
- Gems related to Sun, Saturn, Mars, Rahu and Ketu are called solar gems and should be worn in left hand.
- Gems related to Mercury, Jupiter, Moon and Venus should be worn in right hand.
- The gem to be worn should be original and flawless.
- It is also important to wear the gemstones on right day at right time.
Procedure For Wearing Gemstone
Gemstones have magical powers. Before wearing any gemstone, some puja or ritual should be performed. It not only increases the benefic effects of the gemstones but also increases its power. These rituals release positive vibrations of the gemstones rapidly.
Every gemstone has some traits of a particular planet. Therefore, the puja or ritual must be performed on the particular day which is associated with that particular gemstone so as to increase its positivity. Metals also play a very important role when it comes to gemstones. Only the correct metal should be used for its corresponding gemstone. This helps in attaining maximum benefit from it.
Planets And Their Gemstones
- Sun: Ruby
- Moon: Pearl
- Mars: Coral
- Mercury: Emerald
- Jupiter: Yellow Sapphire
- Venus: Diamond
- Saturn: Blue Sapphire
- Rahu: Gomedh
- Ketu: Cat's eye
So, if there are any problems you are facing because of the ill effects of the planets then use the appropriate gemstone and find your solution.
Day, Time & Mantra
Ruby: Ruby should be worn on Sunday between 5 am to 6 am or between 12 noon to 1pm. The Mantra for the the gemstone Ruby is:
Surya mantra
Om hram hrim hraum sah suryaya namah
ऊँ ह्रां ह्रीं ह्रौं स: सूर्याय नम:।
Pearl: Pearl is worn on Monday between 6am to 7am or 8pm to 9pm. Following is the Mantra for wearing Pearl:
Moon Mantra
Om shram shrim shraum sah chandraya namah
ऊँ श्रां श्रीं श्रौं स: सोमाय नम:।
Emerald: Emerald is worn on Wednesday between 6am to 7am or 1pm to 2pm with the following Mantra:
Mercury Mantra
Om bram brim braum sah budhaya namah
ऊँ ब्रां ब्रीं ब्रौं स: बुधाय नम:।
Diamond: Diamond should be worn on Friday between 6 to 7 am or 1 to 2pm. Mantra for Diamond is:
Shukra Mantra
Om dram drim draum sah shukraya namah
ऊँ द्रां द्रीं द्रौं स: शुक्राय नम:।
Yellow-Sapphire: Thursday is the day to wear Yellow-Sapphire between 6 to 7am or l to 2pm. The Mantra for this gemstone is:
Guru Mantra
Om gram grim graum sah gurave namah
ऊँ ग्रां ग्रीं ग्रौं स: गुरवे नम:
Blue- Sapphire: Blue-Sapphire is to be worn on Saturday between 6 to 7 am or 1 to 2pm with the Mantra:
Shani Mantra
Om pram prim praum sah shanaisharaya namah
ऊँ प्रां प्रीं प्रौं स: शनैश्चराय नम:।
Cat's Eye: It is worn on Wednesday between 6 to 7 am and 1 to 2pm or 8 to 9pm. Mantra for wearing Cat's eye is:
Ketu Mantra
Om sram srim sraum sah ketave namah
Hessonite: Hessonite is worn on Wednesday between 6 to 7am. Hessonite Mantra is:
Rahu Mantra
Om bhram bhrim bhraum sah rahave namah
Click here to find your desired Gemstones - Buy Gemstones Online
Wearing The Wrong Gemstone
Wearing wrong gemstone may cause adverse effects such as:
- Any physical or mental problem
- Negative vibrations or negative approaches
- The present situation may become even worse
Hope this brief knowledge about Gemstone and its importance has been of use to one and all.
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Shares in NAB fell sharply after the bank released its full year results.
A short time ago, they were down almost 2.9% to $31.93.
NAB's cash profit rose 2.5% to a record $6.6 billion, in line with expectations.
And the bank announced it will shed a net 4000 jobs by 2020 as technology increasingly automates the banking sector.
But the NAB also forecast a 5% to 8% rise in costs in the current financial year plus another $500 million to $800 million restructuring provision to be taken in the first half.
UBS says the result is solid but the market will focus on the increased expenses.
The guidance implies 2020 costs are $135 million to $365 million above current forecasts, which represents 1.5% to 4% of net profit after tax.
"Management expects this to be offset by stronger revenue, but the market may not incorporate revenue upside until there are signs of delivery," says UBS in a note to customers.
NOW READ: This is why NAB shares fell because of plans to cut 4000 staff
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subset: commoncrawl


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Red Dwarf is a colossal (according to wikipedia 6 miles long) mining vessel. I'm curious as to whether it was named "Red Dwarf" because of a unique colour scheme (or more likely painted a unique colour because of it's name) or if all JMC ships are red and the convenient naming is a happy coincidence?
I'm after in-universe views as I think the production decision is fairly logical.


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Centre to train new generation of specialists designing personalised implant technologies
In a new evolution of personalised medicine, world-leading specialist biomedical engineers, scientists and clinicians will come together to develop individually tailored orthopaedic and maxillofacial implants, following the launch of the Australian Research Council Training Centre for Medical Implant Technologies (CMIT ARC) today.
Centre Director Peter Lee from Melbourne School of Engineering said CMIT would bring together PhD and early career researchers with industry and government, to support translation of research into new products, processes and solutions.
"The CMIT ARC training centre will equip a new generation of engineers to work with clinicians, to have a good understanding of regulations and gain experience in entrepreneurship and innovation," Professor Lee said.
"Compared to other Australian industry, med-tech is young, so the opportunity for research and development is great. CMIT is one of the largest partnerships of industry, hospitals and universities; an ideal environment for training."
Led by the University of Melbourne, CMIT draws on the expertise from Flinders University, Griffith University and Epworth Healthcare. There are a further 18 CMIT partners from industry, academia, hospitals and government sectors.
University of Melbourne Deputy Vice-Chancellor (Research) Jim McCluskey said the centre's work would enhance the entire process of implant production, from early in the design process all the way through to trials.
"Vital to the success of biomedical engineering is an inter-disciplinary approach that draws from engineering, medicine, life sciences, physical sciences and a range of other disciplines. So too is engagement with clinical and industry partners," Professor McCluskey said.
CMIT will provide a robust training environment for interdisciplinary engineers to develop and evaluate personalised implants so as to improve patient outcomes following surgery.
"International collaborations and a generation of industry-ready researchers are both critical to expand Australia's medical implant industry," Professor McCluskey said.
The centre will foster knowledge and develop technology for rigorous evaluation of pre-clinical testing methods while also training a new generation of engineers with a multidisciplinary research and development skills.
CMIT trainees will develop knowledge of international standards, ethics and regulatory requirements for the personalised implant industry.
CMIT is funded with thanks to the ARC Industrial Transformation Research Program.


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I am trying to do inventory through Excel. We use Excel to do our customer invoices. We run into a problem with software that is set up to run inventory because we don't sell everything by cases. We sometimes open up cases and sell them individually. I found a way to do it on Excel, but I'm running into an issue. I use the following code to help us keep our customer invoices organized.
I want to do another close code to take the items that are ordered on worksheet 1 and subtract it from the inventory on worksheet 2. I can link the cells, but when I x it off for it to save as the customer name, it doesn't keep the updated inventory on worksheet 2. This needs to be saved to the original instead of to the sheet that is created upon close. Does that make sense? E-mail me with a sample if needed.
Sub myCloseCode()
'Standard module code, like: Module1.
Dim strDate$, strCustomer$, strFileNm$, strMsg$, myUpDate$
Application.EnableEvents = False
On Error GoTo myErr
'Test for Save option or Exit without saving?
strMsg = "Save this file before closing?"
myUpDate = MsgBox(strMsg, vbQuestion + vbYesNo, "Save Now?")
'Chose "Yes" button!
If myUpDate = 6 Then GoTo mySave
'Chose "No" button!
If myUpDate = 7 Then
Application.EnableEvents = True
Exit Sub
End If
'Build file name!
strDate = DatePart("m", Date) & "-" & _
DatePart("d", Date) & "-" & _
Right(DatePart("yyyy", Date, vbUseSystemDayOfWeek, vbUseSystem), 4)
strCustomer = Sheets("Carolina Fireworks Order Form").Range("C7").Value
strFileNm = "\\Office-pc\public\Customers\" & strCustomer & "-" & strDate & ".xlsm"
'Save current file!
ActiveWorkbook.SaveAs Filename:=strFileNm
Application.EnableEvents = True
Exit Sub
'GoTo Error routine!
Call myErrHandler(Err)
Application.EnableEvents = True
End Sub
Also, the owners of the business won't pay for an inventory software. I'm lucky to have gotten the customer invoices to work in Excel. I'm trying to figure out an inventory system to help the business. We have to pull the order first and then let the customers know what is out instead of knowing ahead of time.
Maybe I'm missing something, but why can't you just save the original file before creating the new file?
e.g.mySave: 'Save original ActiveWorkbook.Save 'Build file name! strFileNm = "blah blah" 'Save current file! ActiveWorkbook.SaveAs Filename:=strFileNm
If I save the original file then it will also save the customers order onto the original. I'd then have to open the original again and delete all the info on the sheet before I'd be able to start a new customer invoice.
Using Excel to do order entry and inventory control is terrible.
Use a database at least. A proper program starts for less than
Broken box inventory is another problem. The usual case is to
take the case and make a separate item number.
Well, maybe one day when my husband and I take over we can move to something other than Excel. They refuse to change! We have been filling out orders by hand...a $15,000 order by hand takes forever! So I'm lucky to have figured out a way to do it on Excel. However, I think it works just fine for what we need it for. We're not a huge coorperation. That saves time and my arm. I'm sure there is a way to do it on Excel. I'll keep looking. I had it working before we moved to the x'ing it off and saving automatically.
You have Excel, do you also have Access?
If you have Access, there are numerous Inventory/Invoice templates on the web, and many are free.
Look here for examples:


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2890 S. Colorado Blvd.
Denver, CO 80222
(303) 759-1668
If computers are your gadget of choice, then you can't go wrong with a visit to Action Computers. This local company has been servicing all the computer needs of Denver since 1994 and is the largest place in town for used and refurbished computers and computer equipment. Plus, you can even have them custom build your own high-end computer to your specifications. From laptops to desktops to monitors and even vintage computers, you'll find everything you need for the computer of your dreams. At least until the next upgrade, but then you can head back to Action Computers to have them fix up your old computer or get you into the latest model. The staff here is incredibly knowledgeable too, so don't be afraid to ask for some help or advice when you stop by.
6760 W 38th Ave.
Wheat Ridge, CO 80033
(303) 444-4428
A person's audio set-up is just as important as the rest of her equipment, as any audiophile will tell you. If you're in the market for some high-end equipment, Crescendo Audio has you covered. You can find all the best brands of speakers, televisions, Hi-Fi stereos, headphones, turntables and more. It's like a one-stop shop for all your sound needs with up close and personal service. The staff here knows what they're talking about and are all available to help you put together your perfect home stereo setup. Crescendo even offers home installation, so you can have the experts do all the work for you. When it comes to a local, specialty audio store, you can't go wrong with Crescendo.
2385 W. Alameda Ave.
Denver, CO 80223
(303) 744-0313
Anyone born in the late 1970s to early 1980s was raised during the burgeoning age of video games, and there's no better place in town to get your retro game fix than at Level 7 Games. Sure, you can visit one of the big chain stores for the latest Xbox or Playstation game, but where do you go to track down vintage Atari, Nintendo, Super Nintendo, Sega Genesis, Nintendo 64 and original Playstation games? Level 7 has everything you could want. It's like a gamer's paradise, where you just may be able to find some of those games you grew up playing. It also helps that the store is run by gamers for gamers, so you'll probably find yourself in a fascinating discussion with the staff debating the historic contributions of Sega versus Nintendo. If you have a gamer in your life, they'll love the trip back in time via Level 7 Games.
4285 S. Broadway St.
Englewood, CO 80110
(303) 789-5310
For more than 37 years, Gold Sound has been one of the best places in town to find high quality audio and video equipment. From home theater setups to speaker parts and kits to used LP albums and more, this is another wonderful place to find the perfect gift for the techie in your life. Shop for the best amplifiers, headphones, speakers, tubes, turntables and more, all with tons of friendly service from truly knowledgeable and friendly staff. Gold Sound's reputation for excellence in audio equipment is nationally recognized, with sales reaching all 50 states, despite being a locally-owned shop. It has sold kits to NASA and the United States Air Force. If the stuff at Gold's is good enough for them, it's definitely the perfect place to visit to set up your own new home stereo system.
5855 S. Broadway St.
Littleton, CO 80121
(303) 797-0700
Tech fans and gadget fans come with all sorts of different interests and hobbies. One of the most popular, of course, is photography. If you're a long-time photographer or if you're just looking to get into the field, upgrade your camera or pick up some new lenses or other fun camera gadgets, swing by Englewood Camera for all your photo needs. From cameras and lenses to studio lighting, lighting kits, bags and battery packs, Englewood Camera has it all. Plus, since this is another fantastic local shop, you'll find very helpful and friendly employees just waiting to help you find the perfect fit for your next photography project. This local store offers a lot of bang for your buck.


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America has learned an awful lot about social media-savvy Newark mayor Cory Booker over the past several months. For example, when much of the Eastern Seabord was wracked by Hurricane Sandy, Booker took to Twitter to directly address concerns of his constituents, and after one hungry Newark resident tweeted him about running out of Hot Pockets, Booker responded with words of inspiration and, as a result, the company offered coupons for free Hot Pockets to all residents. Later, we learned that he was planning to run for Senate in 2014, although Democratic Senator Frank Lautenberg responded to his intentions with a little snark.
And over the weekend, adding to the thing we already knew about Booker being really responsive when it comes to social media, we learned that he has a soft spot for our four-legged friends, especially those left out in the cold during wintry weather. When local broadcast news affiliate WABC tweeted to locals and specifically addressed Booker about dogs being left outside to freeze on a particularly cold night, Booker stepped in to bring one pooch, Cha Cha, who had recently had puppies (thankfully, not left in the cold), to warmth and safety while her owners were visiting friends in Queens. Naturally, our cynicismas media consumers and as people have kicked in and there are already some Cory Booker "truthers" declaring this a cheap press op (see the YouTube comments to the video below for proof).
But even if it was, what, do you want the dog to freeze? Come on, now. Anyway, Cory Booker rescued a dog, and got Newark Hot Pockets, and what have you done lately? Watch the broadcast—Booker, puppies and all—below.


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I want to go off Fluoxetine (40 MG per day). Can I just stop talking this medicine?
Hello @amira
No please don't go off of it without a doctor's Ok and let the doctor (or pharmacist) help you to develop a schedule on how to reduce the Prozac slowly.
If you care to share more:
How long you have been taking Prozac?
Why do you want to stop this medicine?
Do you have a support system in place to help you with the withdrawal from Prozac?
I would like to invite one of our moderators, Lisa @lisalucier, to this conversation as well. She might be able to offer some suggestions.
Liked by GailBL, Volunteer Mentor, Lisa Lucier, Parus
Here is a post that came from a Mayo pharmacist a while back regarding withdrawing from antidepressants. I found this educational as well as helpful. I hope that you do as well.
"Taking antidepressants for MDD (Major Depressive Disorder) and GAD (Generalized Anxiety Disorder) shouldn't be considered "addictions." Antidepressants aren't addictive, but missing doses or stopping abruptly can cause withdrawal-like symptoms including sudden worsening of depression. MDD and GAD are often chronic diseases that can require lifelong treatment. Sometimes people feel so much better with treatment they think they don't need treatment any more. Your clinician can help you try to taper off safely. Communication with your healthcare provider is important in providing a personalized taper and options for resuming therapy, if needed.
Extra care should be taken regarding tapering from clonazepam. It will be important for you to get tapering instructions from your psychiatrist. Withdrawal from benzodiazepines like clonazepam can be serious and may include tremors, anxiety, sweating, psychosis and seizures. The onset and severity of withdrawal depends on the which drug was used, for how long and other patient specific factors. If needed, you could ask about less addictive anti-anxiety medications.
Your psychiatrist can help you through discontinuing marijuana. Drug-free social support may help.
I wish you the best of luck in battling the true addictions you mentioned. Physical activity, sunshine and adequate rest will help to boost mood and endorphin levels. You are taking on a lot at one time. Don't throw it all away because of 1 missed step. Celebrate every day of progress."
Liked by GailBL, Volunteer Mentor, Lisa Lucier, Parus
@hopeful33250 Thank you for sharing this information. I have been reading an increasing number of comments about withdrawing from antidepressants and people who are wanting to stop taking them. I can say I have concerns as there are those needing antidepressants. Like you shared-speak with the doctor before doing so abruptly or even tapering. Antidepressants are not for me and I have shared about some of my experiences with psych meds.
Taking an antidepressant is not a sign of weakness. Seems to be gaining in popularity to NOT take them. Not sure what this is all about and could be overly concerned when I have no dog in this fight as I have heard it said.
I am wondering why it has become an issue…if it is do to side effects. I am mostly reading negative. I know those on antidepressants that have decided they don't want them anymore and end up in a mess. Is this becoming some type of new thing??
Not looking for answers or arguments. Some more of my wondering/thinking about it. I do keep learning and why I keep reading about this. Depression is hard to deal with at times.
I need to think this through more.
I appreciate you taking the time to do what you can to educate and clarify some things.
Thank you
It's my pleasure to offer what I've learned from others, @parus. I am a firm believer in meds to help with depression (but not to be forced on anyone who has adverse side effects). I have learned that when you live through stressful circumstances in life your brain chemistry does change and often antidepressant meds helps to replace the brain chemistry that is depleted (similar to an epileptic taking anti-seizure meds or a diabetic taking insulin).
I certainly appreciate your thinking out loud in your posts and trying to come to an understanding. I think this is the great thing about Connect. It allows us to educate ourselves and learn from others.
Liked by GailBL, Volunteer Mentor, Parus
@hopeful33250 Why I remain. I have done my share of criticizing medications and it is only what I have experienced. Taking a medication for the "correct" reasons and under the supervision of a physician can be helpful. Going off of them w/o the help of a physician I do not recommend. I did so because of fear of physicians and others. At that time things were more than even I can express.
It is so important to have people in one's life that are safe.
I hear others sharing about brain zaps, etc and it can be scary,etc.
Off topic…Had a play-day w/ my grandson. Our imaginations soar together. What fun!!
Think I finally found a profile pic I like too!!
How delightful that you had a play day with your grandson, @parus. Yes, I really like your profile picture as well. Thanks for adding to our conversations in a meaningful way.
I just had DNA testing done through my psychiatrist. It's really eye opening. It tells you so much about your body, what drugs work and don't work plus so many other things. I'd definitely look into it.
Thanks for your input regarding DNA testing for drug effectiveness, @kdo0827. Other's have spoken about how helpful this is. I'm glad to hear another great story about it's helpfulness.
Hi, @amira. Along with @kdo0827, who has provided some input, some other members I'd like you to meet who have mentioned being on fluoxetine (Prozac) previously or tapering off of it include @revtjls @texasduchess @smurf @youngsally. @gailb may also have some input on your desire to go off this medication.
I knew the DNA test gave info re what drugs are best to use (or not to use) but did not know it gave info on other things too. I wonder if you would share with us what the other things are (not yours but in general)?
Many thanks
Can you provide more information on the DNA test – was it sent away, what was the name of the company who completed the testing?
Hi, @bobbiekc – welcome to Mayo Clinic Connect. You mentioned you'd like more information on the DNA test for what drugs work and don't work – perhaps @kdo0827 @anniegk or @gailb may have some information to share about this.
@bobbiekc – have you taken fluoxetine (Prozac) or another antidepressant?
I have not taken Prozac, but I have experience withdrawing from Tramadol. I worked with my pharmacist to develop a schedule for slow withdrawal. During my withdrawal process, I found that using CBD orally helped my anxiety. I used CBD Living Water, which can be found online. I also now use CBD:THC in a 3:1 combination and it gives me pain relief. If I need additional relief from pain, I take 1 or 2 acetaminophen. I don't take any of it everyday, only occasionally. I find it helpful for arthritic pain.
Actually, I haven't personally had a DNA test regarding what medications will work best for me. But, I've read so many people who say it has helped them when changing medications, particularly antidepressants, I highly recommend it. You need to ask your physician or psychiatrist to give you the order for the test. Then your doctor will work with you to review the results. Now that this testing is available, it's a great addition to the diagnostic information doctors use. I am happy with my antidepressant right now, but if I ever need to chanel it, I'll get the DNA test.I hope this has been helpful.
Liked by Teresa, Volunteer Mentor, Lisa Lucier, Parus
I'm so happy to read your posts now Parus. Sounds like you are doing well and I know how you love having your grandson with you. I wanted you to know that I have started the oil painting class now. I'm working on my first oil painting in years and I'm truly enjoying it! I'll post a photo of it when I'm finished. I'm going to start a second drawing of 2 pears in a bowl using "craypas." This will be a first for me, but I already know how I want to use the craypas and what the drawing will look like. Your work has inspired me to take the risk of criticism of my artwork, although that's somewhat scary for me. The older I get, the less I care about other people critiquing my work. I like what I'm doing and that's what counts.
Thanks Parus!
Liked by Teresa, Volunteer Mentor, Parus
My psychiatrist ordered it. They literally took 2 swabs from my mouth and that was it. It came back about a week later it's 45 pages long! It lists all kinds of drugs and other things. I can't recommend it enough.


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I love the look of white boarded photos against a dark background. I used one of the sheets in the City Sidewalk Traveler's Notebook kit along with the 4x6 Goal Setting stamp set to get this look.
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From food service to retail, Flaming Tiger is turning up the heat.
Malinco Foods, producers of Flaming Tiger, South Africa's locally made Sriracha hot sauce, is now used within Kauai.
"Having Kauai add our sauce to a few of their menu items s a testament to our pursuit of creating cleaner products that not only taste great, but use less sugar and offer great value too. Flaming Tiger has less sugar than all the imported sriracha's. The fact that Kauai are replacing an imported brand for Flaming Tiger is very encouraging." Wallace Seggie, Malinco Foods Managing Director
Flaming Tiger is produced in the Western Cape. Made from sun ripened red jalapenos this hot sauce not only packs a serious punch of heat but delivers on flavour too with just the right amount of garlic, acidity and sweetness with a well rounded umaminess. Listed in Pick 'n Pay's nationally, South Africans are rapidly warming up to this new hot sauce sensation. Wallace believes the Sriracha category will be as popular as Sweet Chilli sauce in future.
"We've only been on the shelves for a few months now, but have already seen impressive growth from Pick 'n Pay. Sriracha is such a versatile sauce and it's our view that it will be as popular as Sweet Chilli in future. Sweet Chilli sauce didn't exist in South Africa before 2000 and today is worth nearly a third of the value of the tomato sauce category. The more we make the better efficiencies we get which means you'll start to see our prices drop until they're within the reach of all South Africans. We want Sriracha to be a staple in everyone's grocery cupboard. Having both a large retailer and a restaurant chain on board will further establish Flaming Tiger as South Africa's authority on all things Sriracha." notes Wallace Seggie.
Amy Seggie, Co-Founder of Malinco Foods and head of Product Development describes their challenging journey and what makes Flaming Tiger so unique.
"We started making Sriracha in our kitchen in late 2014 and spent nearly two years in development. Making it at home is easy, making it in a factory in 500 kg batches brings about an entirely new set of challenges. Not only are we working with a fresh produce, but chillies are seasonal adding additional pressure in terms of forecasting. What makes Flaming Tiger truly unique is our chilli pulping process that uses the entire chilli, the stem, seeds and all which means we maintain a lot of the nutritional benefits chillies have to offer. This also means we have zero chilli waste too. We don't use any MSG, artificial sweeteners or azo dye colourants and we're always looking at ways to make our products even cleaner with shorter ingredient statements and less sugar. These combined attributes are precisely what Kauai expect from their suppliers and we're so happy to see our product in the hands of Kauai's CEO, Dean Kowarski and his team of passionate foodies "
"There are so many great food products coming out of South Africa and it's inspiring to see a large chain like Kauai recognising it and supporting our local food industry. Not only does it set a great example within the foods sector, but it motivates other businesses to take a closer look at what's available right here in South Africa." concludes Amy Seggie.
Malinco Foods develops, manufactures and distributes sauces, condiments and preserves. The company was founded in 2014 with the ultimate goal of revolutionising the food industry.


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By Marta Lawrence
NCAA Committee on Sportsmanship and Ethical Conduct chair Deborah Wilson at an educational session Thursday said student-athletes who engage in violence may be in the distinct minority, but that violent acts nonetheless have a negative impact on the image of college sports.
And because of that, the athletics community has a responsibility to use its influence to change the campus culture.
Wilson, an associate AD at George Mason, spoke at the Convention session entitled, "Addressing Violence: Cross-Campus Solutions."
In April 2011, an NCAA summit ("Focus on Prevention and Intervention of Interpersonal Violence") featured experts who brainstormed ways to resolve an issue that vexes campuses across the country. Thursday's session picked up where the violence summit left off and featured panelists who addressed the core issues behind violence and strategies for creating a campus environment that is safe for all students.
There are two ways to think about the recent examples of campus violence at Penn State, Syracuse, Virginia Tech and others, said Jeff O'Brien, director of the Mentors in Violence Prevention National. "They're either alarming, or they're canaries in a coal mine," he said.
O'Brien said it's much easier to address incidents of violence when they occur than it is to address the underlying causes. Those causes include the type of language used and the type of media a person consumes, which can have a desensitizing effect, he said.
"We're missing the point if we're not going to the source," he said.
O'Brien recommends that universities consider training for all levels of the institution. A key component of the program should include bystander training aimed at helping student-athletes understand how to do the right thing when faced with acts of violence.
MVP associate director Linda Langford made the point that laws such as the Clery Act and Office for Civil Rights requirements may fool institutions into believing they have met their obligations for preventing violence. She warned, however, that "a legally compliant response is not necessarily a complete and responsible response."
The institutional environment, said Langford, plays a major role in creating a safe place for the campus community. Although training is important, she argues that it is not the only key to preventing acts of violence.
"Knowledge alone does not alter behavior," she said.
All the panelists agreed that athletics can take a leadership role in preventing violence, but it takes collaboration among the campus to create impactful prevention programs.
"It has to be a conversation that we all have together," said Don McPherson, president of Don McPherson Enterprises. McPherson, a former standout quarterback at Syracuse, regularly meets with teams around the country to discuss complex social issues such as sexual assault and violence.
"Change must be campus-wide and involve a variety of services from all levels of the campus," said Wilson.


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By Helen Ringrow
This publication bargains a cross-cultural comparability of French and British cosmetics ads and explores how the discourse of attractiveness advertisements represents principles approximately femininity in French and English language contexts. because the international attractiveness expands and shoppers develop into extra serious of the claims made, the subject of cosmetics advertisements discourse is tested utilizing Feminist serious Discourse research. One universal topic underlying so much cosmetics ads discourse is that the feminine physique constantly calls for 'work' to mend its 'problems': flat epidermis, dry hair, and so forth. the writer makes use of issues of language and gender, media and id, and advertisements throughout cultures to reveal precisely what's going within the language of cosmetics ads and to supply a primary step in the direction of difficult those principles and wondering alternatives.
Download PDF by S. Thornton: Advertising, Subjectivity and the Nineteenth-Century Novel:
By S. Thornton
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Brand Strategy 101: Your Logo Is Irrelevant - The 3-Step by Michael R. Drew PDF
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If you are looking for a branding ebook that can provide a short repair, this is not the ebook for you. but when you need to create a model that sticks like superglue--read this book!
Go forward and enable the wimps and whiners have the get-rich quickly schemes that fizzle and fall flat like a rainy firework. you must ignite a branding bonfire.
Download PDF by Sean Brierley: The advertising handbook
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This e-book unravels the how and why of ads and areas the in its social, political and old context.
content material: Illustrations; Tables; Acknowledgements; creation; 1 construction to intake; 2 growing and segmenting markets; three "Discovering" shoppers; four ads and the selling combine; five employer constructions; 6 The advertiser- employer courting; 7 advertisements and the media; eight Media making plans and purchasing; nine Media learn; 10 the foundations of persuasion; eleven The content material of persuasion; 12 different types of persuasion; thirteen Measuring results; 14 Regulating ads; Postscript: advertisements in hindrance; Workshop feedback for person and workforce paintings; Bibliography; Index.
summary: This booklet unravels the how and why of advertisements and areas the in its social, political and old context
Brand-driven Innovation : strategies for development and by Erik Roscam Abbing PDF
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Activity descriptions are crucial for recruitment, task evaluate, functionality appraisal, education and improvement and in complaint and disciplinary circumstances. This guide is an updated source to assist managers to build individualized task descriptions, giving suggestion on the right way to build task descriptions and the way to examine jobs.;Contents comprise: objective of task description, kinds and kinds of activity description, analysing jobs, ideas of education, task details, major task components (e.g. monetary administration, source administration, venture administration and so forth damaged down into particular activity descriptions, accountabilities, skills, advantage, output measures and so forth) including version activity descriptions from each class, director point to handbook jobs.
Read e-book online 6 Steps to Free Publicity: ''For Corporate Publicists or PDF
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New PDF release: Strategic Marketing Planning
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Strategic advertising and marketing making plans concentrates at the serious 'planning' points which are of important value to practitioners and scholars alike. It has a transparent constitution that provides a digest of the 5 imperative dimensions of the strategic advertising making plans approach. major authors during this area, Wilson and Gilligan provide present considering in advertising and look at the adjustments it has passed through during the last few years. matters mentioned contain: * Emarketing, strategic pondering and aggressive virtue * the importance of imaginative and prescient and the way this must force the making plans strategy * Hypercompetition and the erosion of aggressive virtue * the expansion and standing of courting advertising and marketing * each one bankruptcy includes a sequence of multiplied illustrations * top authors during this region. * Builds at the luck and attractiveness of Wilson and Gilligan's 'Strategic advertising and marketing Management'. * Focusses at the serious 'planning' elements of important value to scholars and practitioners.


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- Spring 1995
Jill Long was a college business professor and co-manager of her family's farm when she defied conventional wisdom by winning a special election to represent Indiana's Fourth Congressional District. Upon her arrival in Congress, Ms. Long was appointed to the House Agriculture Committee and in 1993 was elected Chair of the Congressional Rural Caucus. Ms. Long's political career began in 1983 when she won a seat on the Valparaiso City Council and in 1986 was nominated by the Indiana Democratic Party to run for the U.S. Senate in 1986.


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Can anyone help me out... My 'unread' tab isn't working quite right. I know there are many posts I have not read that don't show up. For example... I'll not have been on in a day or two, and I will only have 15 unread posts. Seem like it changed a few weeks ago and I miss many posts.
Sent from my SAMSUNG-SM-G891A using Tapatalk


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11/3 NXT Live Results: Jacksonville, Florida
* Oney Lorcan and Big Boa def. Tino Sabbatelli and Riddick Moss.
* Nikki Cross def. Abbey Laith.
* Kona Reeves def. Jason.
* Lars Sullivan def. Chris Dijak (formerly Donovan Dijak).
* Heavy Machinery and Eric Bugenhagen def. Chad Lail, Wesley Blake and Steve Cutler.
* Dan Matha def. Nick Miller.
* Ruby Riot and Sarah Logan def. Sage Beckett and Lacey Evans.
* Aleister Black def. The Velveteen Dream.
Source: The Wrestling Observer/Figure Four Online
MAIN EVENT! @VelveteenWWE vs @WWEAleister!! #NXTJacksonville pic.twitter.com/BA8TUqCLVX
— Ben Talks Wrestling (@BenTalksWWE) November 4, 2017


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Forum Veteran
- Posts: 824
- Joined: 26 Oct 2010, 08:28
- Location: Canada
gta4 wrote:YF-23 MANEUVERS AS GOOD AS YF-22?
This is what I have read:
"YF-22 demonstrated 60 deg controllable AOA. YF-23 claimed to have very high controllable AOA but only demonstrated 22 deg. USAF emphasized so much on maneuverability so it chose YF-22."
Given the large vertical tail surfaces on the YF-23 I would say you are greatly mistaken.


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Our Collective Team is a group of Passionate Professionals with a common goal
Hand-picked for their excellence, each individual member lives, eats and breathes their niche service area, which gives you a highly skilled specialist up to date with all the latest trends, products, technology and strategies for your business.
We have gathered some of the best consultants across Brisbane and formed The Collective.
Each highly skilled and specialised member of The Collective, owns and runs a small, highly specialised business. From experience (we can tell you this first hand), nobody will work harder than you do for yourself and we have seen the results transpire to clients.
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As Chief Marketing Officer for The Collective, Lisa has been working closely with owner-managed businesses of all sizes for over 10 years. Lisa has a passion for helping businesses grow and has a keen understanding of what our clients want – even when they can't always articulate it. Her strategic experience, deep understanding of SME business marketing, and creative thinking for the digital space make her an especially valuable asset.
With a passion for strategic marketing, Nicole is the original founder of GCI Collective. Nicole has over 11 years experience working across Media and Marketing gamut and has worked especially closely with the Corporate and Professional Services industry. Her main focuss is on the alignment of strategic business and marketing, with creative thinking. Whilst digital marketing is her first love, she is a champion for taking an Integrated Approach to marketing.


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valor fitness
Valor Athletics, Inc. - Established in 2006, IRON COMPANY was one of the first online dealers to support Valor Athletics who first approached us with a limited line of weight benches and other fitness equipment items under the Valor Fitness name. Today, Valor Fitness has expanded to over 400 products in multiple fitness equipment categories including free weights, strength training equipment, cross-training and boxing. Some of the most popular Valor Fitness products are slam balls, barbell and dumbbell benches, bumper plates, squat stands and racks, hex bars with rotating grip handles, speed bag platforms, dumbbell racks and garage gym package deals.
IRON COMPANY is one of Valor Athletics oldest and most trusted online dealers. Let us know if you have product questions or would like a custom bundled quote. Call 1-888-758-7527 or email email@example.com


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Struggling financially
We're here to help
We understand that sometimes people struggle financially. Bills can pile up and it's difficult to make ends meet. It feels scary and you're tempted to ignore the situation, hoping things will improve.
If you're worried about paying money back, your debt feels like a huge burden because you're spending more than you earn, you're struggling to pay your mortgage/rent/bills or several of your cards are at the maximum credit limit...it's time to ask for help.
Things to consider before calling
It's worth getting together some information before you call anyone to talk about your situation.
Most organisations will ask about your income, your household expenses, how much you owe and who you owe it to. If you decide to get further support from a debt charity or organisation, you might need to provide:
- Salary slips
- Evidence of tax credits or benefits
- Utility bills
- Evidence of other household expenditure
- Mortgage statements/rent details
- Bank statements
- More details about each of your debts
- Copies of any credit agreements you have
A list of free money advice agencies that can offer help
When should I ask for help?
If you can identify with any of these warning signs don't delay, it's time to ask for help.
You're worried about money and paying back what you owe
You're dealing with difficult circumstances which make it harder for you to manage your money
You're being contacted about unpaid bills and missed payments
Your cards are at the maximum credit limit
You're regularly spending more than you earn
You're struggling to pay your mortgage, rent, bills or minimum payments on credit cards
You can't manage your day to day spending without relying on your credit card
Get in touch
Our fully trained teams have lots of experience with financial difficulty, and we'll take time to understand your individual situation and discuss the options available to help you.
We'll need to get an accurate picture of your situation so please have a few details to hand:
Your monthly income (including any benefits, overtime, bonuses)
Your monthly household spending (including all of your bills and expenses)
The amount you owe
The number of organisations you owe money to
You'll find most of this information on your bank statements or by looking at your bank account online. If you don't bank with NatWest International then call your bank as soon as you can.
If you give us authorisation, we're happy to talk to a relative, friend or debt counselling organisation about your accounts.
Call us
If you have a Relationship Manager, please give them a call. If you don't have a Relationship Manager, please call:
Collections and Recoveries: 01624 646500
From abroad: +44 1624 646500
Calls may be recorded.


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I've been told that tomato plants love banana peels. I put one in the hole with every plant when I move them outdoors. The roots wind around it and suck up the potassium.
Also, scattering crushed egg shells on the ground around your plants will give them a dose of calcium.


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27 Nov 2017 21:57
The tot was born to farmer dad Li Jun, 30, and his unnamed wife, who reside in Hejian city in central China's Henan province.China's sex (boy/girl) ratio at birth (SRB) remained pretty typical (106/100) up to the 70's when there was no state handle on family size. The OCP made the SRB increasingly unbalanced: it rose to 111 in 1990, and peaked at 121 in 2005. In some rural regions, the SRB was believed to have been as higher as 130. Present estimates recommend the ratio to be 118 in 2010 - somewhat better, but still extremely distorted. As a result, presently there are 32 million more boys below the age of 20 than girls. This is close to the Canadian population.Nicely, if you want to of course, you can alter, although I u need to be quite fed up in the head if you want to alter, specifically from male to female. But if somebody want to adjust, why not? Are they hurting anybody, no they are not. Some fees of obesity reflect fundamental physics. It needs twice as much power to move 250 pounds than 125 pounds. As a result, a car burns a lot more gasoline carrying heavier passengers than lighter ones. Anytime a dog is anesthetized, there is threat that he could have a critical and unpredictable anesthetic reaction, but these complciations are very uncommon in young, healthy dogs.Other apparent broad indicators of criminal activity include Joel Norris' twenty-three symptoms of genetic damage, such as crooked teeth and bulbous fingertips, epilepsy, with reports of seizures or convulsions making unpredictable violent outbursts, and damage to the hypothalamus, where the stunted development toward emotional maturity might result in aggressive tantrums toward any perceived threat. Chemical imbalance, stemming from either brain harm, forms of psychosis, environmental contaminants, or other causes, may be another warning sign," since of its capability to influence attitude and behavior.So he paid the web site a modest fee to post a number of risque photographs of himself, as effectively as a brief bio that consists of details about his penis (extra large") and sexual fetishes (S&M, water sports"). He then kicked back and waited for interested parties to get in touch with him. In a world of total gender-equality, males nonetheless aren't allowed such fashion choices as their comradettes-in-arms.And thanks for letting me know. I do look forward to him roaming less, even a little, due to the fact he ran into the street a couple of days ago and I've clearly educated him to stay off the street unless I go, and even then, he stays close by me, and he tends to listen, but at times I am confident his instinct gets to him and it really is difficult to resist. He is really intelligent and educated, but just like his breed, he can be stubborn and have a lack of concentrate at times.Zinc - Lack of Zinc in the body might lead to complications when it comes to ejaculation. Zinc's main function in enhancing the sexual expertise is to guarantee that the sperm stays healthful. As a result, zinc aids improve semen and at the same time enhances the orgasm major to longer sex. Apart from increasing semen, zinc is also known for other several overall health positive aspects.Obese guys, on the other hand, had been 42 % more most likely to have a low sperm count than their standard-weight peers and 81 % a lot more most likely to have sperm-cost-free ejaculate, the researchers reported in the Archives of Internal Medicine. This supplement will aid in body building by letting you acquire the mass you want much more quickly than you anticipate it to develop. It will also give extra strength and bulk to your muscles and also aid in repairing itself faster. Navy - USN revised its policy in mid-2007 to direct that female Sailors are supplied a 12-month deferment. Prior policy granted 4 months.PS. I realise I have not addressed lingerie as such that significantly. It was not a significant issue for me, but I would say it has an appeal for the identical motives of sensuality, lovely fabrics, delicacy, feeling glamorous and so on that I described. I have seen that a few firms now do fairly feminine designs designed for guys, but on the entire male underwear is utilitarian.Also, take note that Male Additional is only a supplement, and although is quite effective on boosting a man's virility, this ought to not be consider as principal strategy of growing penis size. Accurate penis enlargement tactics involve actual physical stimulation such as performing penis exercises or using penis enlargement devices like pumps or extenders.For the duration of sexual intimacy you can then use this muscle to manage ejaculation, as a result getting added time to keep away from premature ejaculation. UNC researchers are launching a 5-year study aimed at understanding the function of oxytocin in postpartum depression and bonding between mothers and babies. Due to the fact such unscrupulous marketing practices are so commonplace, it would be easy to dismiss Male Extra as just an additional hype-driven, ineffective solution.With any male enhancement supplement, it is all about the components. When it comes to product safety, deciding on the appropriate ingredients that are safe for all males is crucial. Male Additional combines some of the most generally known and verified male health minerals with a never ever-ahead of-tried all-organic fruit. At some point, if the two people in query are single and offered, she will translate the friendship as intimacy. And he will learn how comfy and familiar this is. Hah! Inform that to the oncologist who took these parts out. He says I am a lady. That just goes to show that reproductive organs do not make the gender.Hey Everest - I constantly inform guys that these tablets are NOT going to increase your penis size. They aid with stamina, and overall performance. VigRX is far more to make you horny, improves your sexual desire. It functions excellent for that. The Male Further operates more for stronger erections, and longer lasting erections. They each kinda do the exact same thing, but that's what each one does very best.Guys who drop even 5 to 10 % of their body mass will have decrease blood pressure, balanced cholesterol levels and tremendously reduce all frequent threat factors, particularly for heart illness. Cardiovascular workout is the ideal way to drop weight naturally, as sexual problems can be aggravated by intense dieting techniques or taking medication for weight loss.Il se agit d'une pilule à action lente, ce qui signifie qu'elle doit être prise au cours du temps de travail. Il ya des avantages et des inconvénients à prendre une pilule action lente, mais le principal avantage est qu'ils ne contiennent généralement pas de stimulants nocifs qui pourraient avoir des effets secondaires néfastes chez les hommes souffrant de problèmes cardiaques.Plasma is the clear yellowish liquid portion of your blood that transports water and nutrients to all the cells in the physique. Plasma is utilized to manufacture lifesaving clotting elements and immune boosters, amongst other patients. Plasma is utilized for transfusions to folks who have suffered shock, burns or trauma. It is the most widespread purchased portion of your blood.I worked in a hospital assisting little old women and not so old ladies regain their independence once their health has been compromised. Much of the following is taken from my book, Beyond Flesh and Blood: The Ultimate Guide To Angels and Demons Even so, I've inserted some updated thoughts on the topic, so please study it once again, even if you have currently study it in the book.


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When Atiku Storms Lagos for Meeting with PDP Stakeholders
By Eric Elezuo
In continuation of his consultation exercise as the Peoples Democratic Party (PDP) primaries draw near, former Vice President, Atiku Abubakar, visited the PDP secretariat to meet party stakeholders.
The former vice president was welcomed by a huge crowd of supporters and party officials. in his entourage were the Director General of Atiku Abubakar Campaign Organisation, Otunba Gbenga Daniel among many other party faithful.
Below are photos from the event


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Sold Out
The Armada Basin Gore-Tex Pro 3L Pants provide the highest level of durability and breathability for mountain pros. The three-layer shell GORE-TEX® technology makes the Basin Pants super light and are guaranteed to be waterproof and breathable. Armada equipped the Basin with zippers inside each thigh for ventilated airflow on long hot skin tours. The Basin pants feature removable bib features a four-way stretch and adjustable suspenders. There's a jacket-to-pant interface that connects this pant to Armada's compatible ski jackets for complete coverage. Stretchy Schoeller Keprotec reinforced cuffs protect the boot gaiters from ski edges, and the Recco avalanche rescue reflector may help Recco-equipped ski patrols find you in an emergency. The Basin Pants were specifically designed to complement the Armada Balfour Jacket.


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WILMINGTON, MA — The Wilmington Conservation Commission invites residents of all ages to share a few hours of their time and participate in the Annual Town Clean-up Day on Saturday, September 23, 2017, from 8am to noon. (The rain date is Saturday, September 30, 2017.)
The Conservation Commission is seeking volunteers to help beautify Wilmington's conservation lands by removing litter and debris.
Volunteers are asked to meet at the DPW Building (135 Andover Street) at 8am. Refreshments will be served and trash bags will be provided. Work gloves will be provided on a first come, first serve basis. Please dress appropriately for woods and wetlands.
For more information, please contact the Department of Planning & Conservation at 978-658-8238 or email firstname.lastname@example.com.
(NOTE: The above press release is from the Town of Wilmington.)
Like Wilmington Apple on Facebook. Follow Wilmington Apple on Twitter. Follow Wilmington Apple on Instagram. Subscribe to Wilmington Apple's daily email newsletter HERE. Got a comment, question, photo, press release, or news tip? Email firstname.lastname@example.com.


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Meetings & Weddings- We will be following the mandated capacity limits of 250 outdoors and 25 indoors.
Mount Pocono Wedding Venue
From work events to that special day, we have the experience and space for groups from 10 to 1,650. With 284 exquisite guestrooms, we offer all you would expect from a high-end resort and the staff you need for an unforgettable event.
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Make it a year to remember at Mount Airy Casino Resort. For additional information and reservations please contact: Convention Sales at 570-243-5173 or firstname.lastname@example.com
Impress your guests with great food, state of the art A\V Equipment and 20,000 square feet of flexible meeting space. Our resort has the resources and experience to make your meeting a success. Click here to download our banquet floor plan PDF.
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Thank you for your interest. Please fill out the form or call 570-243-5173 and one of our representatives will contact you as soon as possible.
Thank you for your interest in choosing Mount Airy Casino Resort for your event. Please provide us with information so we can contact you. *Required Field
We specialize in providing all you need to make your wedding dreams come true. Whether you're planning an intimate affair or a grand gala, our Wedding Services Specialists are here to help create the matrimony experience you've been dreaming of.
Having your wedding here means you can enjoy beforehand beauty and relaxation treatments at our Spa & Salon. You can hold an exquisitely beautiful ceremony right on our sprawling property, and enjoy an absolutely delicious catered reception, compliments of our chef. Our banquet rooms, restaurants, nightclubs, luxury hotel rooms, dedicated staff and culinary expertise will create a party atmosphere you'd be hard pressed to find anywhere else.
Mount Airy weddings aren't just for newlyweds. Why not renew your vows? For questions, or to schedule a consultation, please contact our wedding coordinator. Happily ever after is just a phone call away at 570-243-5173.
Download the New Expansion Wedding Brochure
We are also on the knot! theknot.com
Reviewed by RoseAnn H
We were the first wedding in the new expansion at Mount Airy and it was fantastic! From getting ready for the first look bright and early all the way to the sparkler lit newlywed send off, every experience we had with Mount Airy was amazing. Even when we made last minute changes the day before, everyone involved (especially Danielle and Sarah!) were extremely accommodating. Half of our wedding guests were from out of state so it was perfect having the casino, golf course and pool all within walking distance. Our friends and family are still letting us know how much fun they had at our wedding two weeks later. We would give Mount Airy even more stars if possible, so if you're looking for a perfect venue for your wedding you wont go wrong with them!
Reviewed by Brandi L
My husband and I had a winter wedding at Mount Airy (January 9, 2015) We were on a tight budget but let me tell you, you could not tell. The grounds of the hotel are absolutely beautiful. The food… I am still getting compliments on it. We really felt that we got our money worth. We chose the steak and chicken options for the dinner and the steaks were huge. I couldn't even finish it although I wanted to. Everyone was a big help as well. Philip, our coordinator was always easily reached and he really helped keep my stress levels to a minimum on the day of by being involved every step of the way. We even had a last minute guest (literally 30 minutes before dinner was being served) and they were able to seamlessly accomodate. We feel proud to say we had our wedding here.
Thank you for your interest in choosing Mount Airy Casino Resort for your event. Please provide us with information so we can contact you. *Required Field


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5, 10, 20% are all common. 20% means no PMI.
BTW, Do you have a money tree out back or something? LOL
Because I would never "do" a rental that wasn't paid off much less O. with no equity that I'm 30K upside down on!
If you are not a first-time home buyer, how much do you have to put down on a house? Is there any way around putting down a huge down payment? We own this home (which has no equity because we bought it when the market was high so we are "upside down" by about 30k) but we want to rent this out and get into something a little larger while the homes are still cheap. I have no knowledge of how everything works because when we bought this home it was from my mom so we didn't have to go through the usual drill. Thanks!
5, 10, 20% are all common. 20% means no PMI.
BTW, Do you have a money tree out back or something? LOL
Because I would never "do" a rental that wasn't paid off much less O. with no equity that I'm 30K upside down on!
Contact a Realtor as well as a mortgage lending bank.
If you are renting out your home and need to include that as income - I believe the new rules are that you must be land lords for two full years prior to being able to include that as "income".
I don't know if you have a military service background - if you do and were honorable discharged or retired - you can use your DD214 to get a VA backed loan which requires no down payment (to the best of my knowledge - that could have changed).
With all the changes in the mortgage industry - it's best to ask THEM - and feel free to ask several companies as each may have different specifications to loan requirements - some may require 20% down if you have bad credit....I don't know. I don't know your situation, finances or anything like that. The average is usually 20% down.
We put 20% down on the home we are in now... we were very lucky and able to sell our first home for about $20,000 more than we paid for it.. plus we had 7 years of equity.
We did not HAVE to put 20% down, but wanted to so that we could avoid paying the monthly PMI which would have added over $100 to our monthly payment.
Go talk to a mortgage person, get pre-approved, run all the numbers and see what you can afford.
I wil tell you my experience when we tried to buy a house last year. We currently own a 2 flat with my husband's cousin (BTW, huge mistake!). The mortgage is in my name only as they would not refinance with him on the mortgage since he is not a citizen and they stopped doing the ITIN for mortgages. My husband and I got a large amount of money and paid off a lot of bills. That actually dinged our credit. Who knew paying off bills would temporarily lower your credit score? The bank did not liek it becauase then it freed up a lot of credit for us to use so consider what you have available and how you have used it. We had a problem getting a mortgage because I already have one. They do not like to do that. Some will, just was my experience. They will want to know what you will charge for rent, will look into what the going rates are, will want to know that the house you are buying will be your promary residence. A low down payment can be done with an FHA loan but then you have the mortgage insurance to deal with. This can add hundreds to your monthly payment. Also, they will want reserves. If a tenant does not pay the rent, you still have to pay the mortgage. In my area, the expected time frame to not have a tenant is 3 months so that is 3 months that you wil not have tenant payments to pay the mortgage. Also, you will need to have reserves to pay for repairs. And like Jackie says, no matter how great or thorough a back ground check you do, tenants lie and don't pay. Talk to a realtor and mortgage person to see what you qualify for and recommendations. A realtor can tell you what you would expect in renting the home. Also could give tips.
Most banks want a minimum of 5% down. The only problem with considering your current home as income is that it is not rented yet and the banks want to see it on your tax returns, if it is not there they WILL consider it money that you are paying out (this will hurt your chances of getting a second mortgage). If you and hubby make enough money to cover both mortgages then you shouldn't have a problem. I should also tell you as a landlord myself to make your budget as if the house is not rented, DO NOT depend on that money always being there. Not all tenants are perfect no matter how many background checks you do.
Depending on the bank they may consider another home purchase to be the second home and then they require 20% down. I know this from the experience we had buying our current home. Please go through a reputable mortgage broker and/or bank, there are still quite a few out there that are only looking to make a buck and will screw you the first chance they get. We dropped the mortgage broker and went directly through the bank. It was faster and less bulls**t to put up with. The broker gave us the biggest run around and kept changing the closing date to the point that the sellers were about to back out of the sale.
Your best bet is to speak with a mortgage loan officer from a bank or mortgage service. We bought another home, keeping our first as a rental as well. I wasn't upside down on that house, had the 5% down for our new primary home, and still barely qualified. With so many people upside down on their mortgages, many end up walking away. This has caused the banks to be extra cautious with new loans. Again, that was my experience in CA. Good luck.
My first home is in my name only and is worth 30 thousand less then what we owe. We bought our 2nd house 2 years ago and it was relayed to us by our bank that the "income" from our rental would not count until we had be renting it out for a year consistently so with that being said we HAD TO be able to afford both mortgages on our income. The only money we brought to the closing table was literally ½ the closing cost which was agreed upon during negotiation. Your credit is key-look at your debt to income ratio and ensure you have at least 3 months worth of mortgage in savings "just in case"
It depends on the state and the lender, but in most cases you have to have a decent down payment to take out a second mortgage. Most lenders would want to see that you have some equity in your home as well b/c that will be considered a "debt" on your credit and you have no collateral.
Renting in this market is risky as well. Unless you can cover your mortgage AND the upkeep on a rental property AND the change in your insurance rates AND cover another mortgage payment, then probably not a good plan. If your current home sits "empty" for 6 months, would you be okay financially?
Do you actually need a bigger home or are you trying to capitalize on the market? My sister and BIL tried this and it failed miserably. They ended-up having to short-sell their original condo at a HUGE LOSS (had to borrow from my parents and take out a personal loan) which tanked his credit (condo was in his name only). They had a renter who bailed after 6 months, so they were left covering the costs of two homes with the same incomes. They came damn close to foreclosure on the condo- if my parents hadn't loaned them money they would be in worse shape.
Really, really think about this. Call around and speak with different lending officers. They have formulas that will predict ballpark "what" you can afford based on your income, your debts and potential rental income. That should give you a decent idea as to whether or not you can afford to do this.
A lot of people would say this is NOT a situation you want to get into, but in the end, the decision is yours.
We were in a similar situation with our condo. We weren't (aren't) underwater with it, but if we had been able to sell it we would've just broken even (based on current sales of similar condos). Of course, we couldn't sell because apparently it's getting very difficult to get financing for condos (at least in our area) and there were some foreclosed properties that were competing at much lower prices.
But, we really wanted to take advantage of the housing market and we were starting to feel really cramped in the condo... So, we moved in with family and turned the condo into a rental property. In our area we can charge rent that just covers the condo bills (mortgage, HOA, insurance), so we're okay with not "making money" on it. We stayed with family for 6 months while we saved up our money (what we had been spending on the condo bills) and looked for a house. First step was to get pre-approved (I would always suggest that a person get pre-approved so they know EXACTLY what they qualify for--and are comfortable paying). Since the condo was a new (not established) rental property, that mortgage payment was counted against us as a debt. We did not get to claim the rent as income, either. Our broker said it needs to be "established" as a rental for 1-2 years before the rent income cancels out the mortgage "debt" as far as debt-to-income ratios go.
Anyways, we both also have excellent credit and had paid off several major bills recently (car note, student loans, credit card, etc), so we were able to get pre-approved for an amount that seemed reasonable (as far as finding a house that we'd like AND having a mortgage payment we could comfortably afford).
In the end, we paid 3.5% down and had 3.5% applied towards closing (and part of the down payment) through an FHA loan on a house that qualified for the Fannie Mae HomePath program. Fortunately, the condo was a conventional mortgage, so we were able to get the FHA for the house (lower down payment and better interest rate). So, yes, it can be done. There are a lot of factors that weigh in, and I must say, being a landlord is NOT fun. It's frustrating, nerve-wracking, and can be very scary (our 1st tenant was a vet with PTSD and we later found out dealing drugs from the house)!
First step is to find a mortgage broker who you feel comfortable talking with and start crunching some numbers. Look at what you need to pay to cover the house (if you were to turn it into a rental) and browse your area classifieds to see if the rent rates are up to par.
Either way, good luck.
I don't think you will find a bank that will give you a second mortgage, even with a good down payment. You could walk away from the first after purchasing the second, even though that isn't your plan, and that is too risky for them. I have thought about doing this as well, so I have looked into it a bit.
20% or more to avoid mortgage insurance costs.
FHA loans require 3.5% down, regardless of whether you own another home.
Hi there.
In this market, you pretty much have to put down 20% unless you get an FHA loan...which are good, but do come with extra fees. You'll also pay PMI if you are under the 20%. FHA loans require 3.5% down presently.
Your bigger issue will be getting the loan while also carrying the note on the first home. If you owe on the first house, you'll likely have to show that you can afford to cover both mortgages in order to qualify for the new loan. Most banks right now want to see that or show a history of rental income on it...which you obvisouly don't have since you live there! Good times, huh?
Anyway, my recommendation is you find a good mortgage broker and talk it out with them. I'm a realtor and can recommend one if you need one! Good luck!


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An hour alone in my room, just kind of staring at my bookshelves, brought something into focus for me: I'm sometimes clingy, and can develop strong emotional attachments, but not to real people. I think that I tend to cling to my conception of people, to my symbol of them.
I'm fairly sure this is a reaction to not getting enough attachment as a kid. (I agree with attachment theory, as applied to interpersonal relationships.)
As I've grown older, I've found that my strongest emotional attachments seem to be to women with whom I've grown close or have bonded as friends. By this, I mean feeling deep empathy for a sister, a cousin, or a close friend, such that you experience that rush of oxytocin-fueled trust and closeness, and the dopamine shot of joy and fulfillment that comes from feeling close to someone and from believing that you are special to them. I can feel close and bonded to male friends, but it always feels lighter, less intimate, and less powerful. That's my deal. Draw whatever you want from that.
Add to that the idea that if my woman friend shares some story of a personal struggle with me, or seems to be caught in some kind of dilemma, then my "big brother" reaction kicks in hard. In that moment, giving advice or sharing some relevant personal story feels like the role I was meant to play. The more fucked-up the person's situation is, the more I feel that I have the right answer for them, and want to give it. My wife says that I seem to be drawn to troubled women who have issues. It was hard to hear when she first said it, but honestly, nobody else knows me better, so I accept her assessment as axiomatic of my character.
I'm not playing defense here, but I do believe in cause and effect, so I'm going to say that I think my behaviour stems from not having had any kind of an adequate bond with the one woman who was supposed to be my life's major female archetype: my mother, Angela. For all intents and purposes, my Mum's mental illness and alcoholism kept me and my sister from ever having a relationship with her. Since her youth, Angela had been "manic depressive" as they called bipolarism back in her day. And since her twenties, I guess, she'd self-medicated with alcohol.
When Mum was manic (only a few times that I can recall), she was unapproachable and disconnected – a bit scary to be around. When she was depressed, she slept (or maybe feigned it) in order to isolate herself mentally. Alcohol just further blurred and distorted the territory between her extremes, or accentuated her worst, most selfish tendencies. We really couldn't get close or feel close to her. Angela was often unwell, as I remember her, and almost never reached out to me or my sister. It just wasn't in her.
I never knew how much I missed Mum, or how much I'd missed out on motherhood, until she became institutionalized. When she was still at home with us and starting to slide into her last major depression in 1977, she just felt like the elephant in the room, but it was the same ol' elephant we'd been used to seeing. Her depression and anti-socialism has become a normal state in our family. She was someone we were not supposed to acknowledge, or something. Maybe we were all scared to communicate.
But once Mum was no longer in our living room, I missed her presence – even her non-speaking, hair-twirling, weird compulsive-rocking presence. After she was moved into private care hospitals, and later to Riverview Psychiatric Hospital, she seemed to be just a little less real to me, even while still living. Slowly, she became more of a memory to me than a member of our family; someone to whom our Dad referred in the past tense.
She became a mystery in the neighbourhood – someone whom other people claimed to have seen once. She was out there somewhere in the world, but just not really in our lives anymore. What a loss for us, but more than that, what a terrible loss for her. We lost her, but Angela lost everything and everyone.
In Angela's absence, as I approached my teens, I began to notice my friend's mothers a lot more. I noticed when they showed affection to their sons, how they cooked and cared for them, how they punished, steered, or guided them, how they bribed, sweet-talked, teased, or cajoled them, and essentially, how they actively loved them.
Each mother I met was different: some were weepy and drunk, some were modern and progressive, and some were traditional and gentle. But no matter what, they were all a presence in their families and a factor in their kid's lives. Being around other mothers and being treated nicely or fussed over by them felt like receiving a kind of richness, a lush and fulfilling sense of presence. It was like feeling the safe, cozy warmth of a thick Terry-cloth robe for the first time, or the luxurious softness of a bear skin rug when you're used laying on bare cement. It felt like being spoiled, and I didn't know how to react to it. Sometimes I told myself that my friends were soft and didn't know how lucky they were. I also hated seeing kids who mouthed-off or swore at their mothers. Those kinds of kids disgusted me.
Angela was not cut out for motherhood, and she'd been such a rare commodity to us, such a non-player and a non-force in our family. She'd had no power (Dad was the boss), she'd showed no initiative, taken no responsibility, and had almost literally done nothing to bond with her kids. She just wasn't there in any meaningful way. So after her depression and declining health had physically removed her from our house, even though it was a traumatic exit, it did not feel to me like I was losing a beloved mother or even a friend. I felt the pain of the terrible absence of a mysterious and hard to understand person, the worry over what would happen to her and to us, and the guilt of enjoying the silence left in her wake. Confusion, loss, and guilty relief. She left in the manner of a distant relative, who'd stayed over without chipping in on anything or even joining us at the dinner table.
So, over time, my mother became more like a "figure" to me, an idea, a person in the abstract, someone who'd been devolved down to a concept. She had gradually started to become an outsider, almost a stranger.
So, I read and watched and interpreted what motherhood was like from other sources, and I dealt with the awkwardness of feeling my gut twisted into knots whenever a woman cried in my presence. The old man hated weakness in others as much as he hated it in himself. He modeled that shame for me, and I still feel twinges of it in my gut every so often.
Emotional attachment had not been an area I'd ever explored in myself, and having spent most of my professional life working with male engineers, technicians, or managers, I suppose I was never really faced with it very often. I never confronted that part of myself.
Now, at almost 53, I feel like I've seen that part of my personality play itself out, and somewhat publicly. I've seen my clinginess in the light of day, and I can now own it and have a good idea what triggers it. I've also learned that I can remove some of the more toxic people from my life, telling myself that it's okay to let some people go.
It's important to recognize the people who deserve your help, and those who are just using it.
I still cling a little. I cling to whatever it is some people mean to me, and I cling to how they make me feel. It's like clinging to a distorted reflection of oneself.


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WASHINGTON—A non-binding resolution, H.RES. 279, backed by 30 members of the US House of Representatives, is urging Turkey to immediately "lift restrictions on freedom of expression" and respect universal human rights.
The proposed resolution, sponsored by Rep. Alan Grayson, was introduced in the House last week. Congressional sources said it would be debated in the Committee on Foreign Affairs on June 2. It is unlikely that the resolution will be approved by the House before a key parliamentary election in Turkey slated for June 7, but it will join a chorus of international rights groups and Western governments expressing deep concern over Turkey's increasingly intolerant stance toward critics.
The bill recalls that prominent human rights monitors and the US government have expressed concern about the erosion of freedom of expression under Turkish President Recep Tayyip Erdogan and the ruling Justice and Development Party (AK Party) he founded.
The resolution notes that "respect for universal human rights, especially freedom of expression, is essential to maintain a democratic, open society" and urges the Turkish government to fully respect universal human rights consistent with Ankara's Organization for Security and Cooperation in Europe (OSCE) commitments.
The resolution highlights that the Turkish government "has increasingly conducted widespread intimidation and manipulation of media, private companies and other civil society actors through a number of means, including active interference in their operations and regulatory action to compel government-friendly outcomes."
It added that "criminal prosecution or intimidation based on overly broad terrorism laws and other measures taken by authorities in Turkey in recent years have been widely criticized as ideologically driven and unusually severe." In February, 90 members of the US House of Representatives sent a letter to Secretary of State John Kerry urging him to raise his voice more loudly to defend Turkey's media freedom.


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If you are anything like me, Priska, you have spent hours (and days) of talking with your girlfriends about the mystery of the male brain and their often so incredibly unlogical and annoying behavior.
No sugarcoating here:
I honestly started doubting their capacity for reasonable thinking and acting.
Very often I was pissed at their childish, insensitive and egoistic behavior.
How could guys be so incredibly different than us women?
Well, it's no secret, that I got one of the amazing guys. My chance to finally find some answers to the burning questions of all my single sisters out there.
So I started collecting questions from women all over the world and sat down together with Bas who honestly all the points with all honesty.
For me personally, this was SUCH a big eye-opener and I truly hope that every woman out there gets to this information.
A true game changer!


text:
Ownership by the Tree of itself is based on an item that appeared in the August 12, 1890, Athens Weekly Banner that states "... the said W. H. Jackson for and in consideration of the great affection which he bears the said tree, and his great desire to see it protected has conveyed and by these presents do convey unto the said oak tree entire possession of itself and of all land within eight feet of it on all sides." The full story indicates the Tree was one Jackson had "watched grow since childhood" and was "pained to think what might happen to it" once he died.
However, no original deed can be found at the courthouse, and it is likely the news item was a hoax. W. H. Jackson did not own the property where the Tree stood, and only lived in Athens while attending the University of Georgia, then again much later in his life.
Little to no mention of the Tree is made in papers or books until the Centennial Edition of the Athens Banner-Herald revived the story in June, 1901. In 1906, George Foster Peabody paid to have granite posts erected around the tree, good soil added and sodded at its base, and a marble marker placed on the spot. At that point, the Tree took on a career of its own, with photos printed on postcards, artist renderings as check decoration by Citizens Bank and Trust Company, and the Tree was noted in books about historic trees, including one issued by the U. S. Forestry Service in 1935. The city recognizes the Tree's ownership of itself and its plot.
Four years after the Tree fell, the Junior Ladies Garden Club of Athens planted a sapling grown from an acorn of the original tree. Sometimes known as Son of the Tree That Owns Itself, the white oak planted in 1946 is the one that stands today at the corner of Dearing and Finley Streets. Keeping with the times, it has its own Facebook page.
Learn More:
- The Toombs Oak, The Tree That Owned Itself, and Other Chapters of Georgia by E. Merton Coulter in the Heritage collection.
- Athens Banner-Herald, Sept. 1942 - Feb. 1943 on Microfilm in the Heritage collection.
- Ladies' Garden Club, Athens, Georgia: America's First Garden Club in the Heritage collection.
- Tree Registry: Athens and Clarke County, Georgia by the Junior Ladies' Garden Club in the Heritage collection.
- Athens, Georgia: A Pictorial History by James K. Reap in the Heritage and general collections.
- Annals of Athens by Augustus Longstreet Hull in the Heritage collection.
- Athens, Georgia 1801-1851 by James Rea Wells in the Heritage collection.
- The Simple Act of Planting a Tree: A Citizen Forester's Guide to Healing Your Neighborhood, Your City, and Your World by Andy Lipkis in the general collection.
- The Tree Doctor: A Guide to Tree Care and Maintenance by Dan Prendergast in the general collection.
- Trees for Tomorrow by Frank Lockyear in the general collection.
- From Acorn to Oak Tree by Jan Kottke in the children's collection.


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From the Wire: Cubs Select Contract of Hancock, Recall Zagunis and Option Tseng, Zastryzny
Cubs select contract of RHP Justin Hancock … OF Mark Zagunis Recalled from Iowa … RHP Jen-Ho Tseng and LHP Rob Zastryzny optioned to Triple-A Iowa The Cubs made another round of roster moves prior to Wednesday's 13-4 victory and completing the three-game sweep over the Marlins. The Cubs selected the contract of RHP Justin Hancock and added him to the 40-man roster, which now stands at 40 players. Hancock made his big league debut on Wednesday in the blowout win over the Fish. Hancock … [Read more...]
From the Wire: Cubs Place Heyward on DL, Option Mazzoni, Recall Tseng, Zastryzny and Bote
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From the Wire: Cubs Place Yu Darvish on Disabled List
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Cubs Make Second Round of Spring Roster Cuts
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Cubs Sign 21 Players to 2018 Contracts
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