text:
ALBANYNew York State's manufacturing sector "is making a comeback," a new report by The Public Policy Institute says.
The report, The State of Manufacturing in New York State, shows that manufacturing employment statewide grew slightly in 1997, the first annual increase in more than a decade. During the six years ending in 1994, while most states added factory jobs, New York lost an average of more than 43,000 such jobs each year.
"The resurgence of our manufacturing base is broad-based," says the report, released in printed form and published on the World Wide Web today by the Institute, the research affiliate of The Business Council of New York State, Inc.
"Upstate and downstate are sharing equally in the resurgence," the report says. Areas of the state that gained manufacturing jobs from April 1997 to April 1998 include Albany-Schenectady-Troy; the Binghamton area; Buffalo-Niagara Falls; Dutchess County; the Elmira, Glens Falls and Jamestown areas; Long Island; Steuben County; and the Syracuse area. Factory employment declined during the period in New York City and the Rochester area.
New data from the U.S. Census Bureau show that manufacturers have set the stage for continued growth, according to the report. New capital investment in industrial facilities jumped 33 percent in 1995-96, compared to the two previous years, to a total of more than $10 billion. Only six other states reported greater levels of capital investment.
Still, after years of sharp decline, the state's manufacturing sector has not completely turned around, the report says. New York continues to lag the nation in growth of factory jobs.
The report includes a "snapshot" description of manufacturing in New York. It shows, for instance, the leading industrial employers include printing and publishing, with 139,500 jobs in 1996; apparel, 91,200 jobs; industrial machinery and equipment, 84,200 jobs; and electronic and related equipment, 82,900 jobs.
"Manufacturing still makes up much of the bone and muscle of New York State's economy," the report says. "Upstate metropolitan areas such as those around Rochester, Buffalo and Syracuse depend heavily on industrial jobs, as do dozens of smaller communities from Glens Falls, to Oneida, to Jamestown. In the bustling downstate metropolitan area, manufacturing is often the forgotten sector of the economy. Still, it's vitally importantproviding, for instance, more than a quarter-million jobs in New York City, 110,000 on Long Island, and nearly 40,000 in Westchester County."
Contrary to popular belief, wages for production workers are not out of line in New Yorkin fact, they're 2 percent lower than the national average, the report shows. Overall manufacturing wages are higher, on average, than in most other states. But that's because the Empire State has a greater proportion of its manufacturing employment in research and development, corporate headquarters and other non-production positions that tend to pay more than production jobs.
The report says there are signs of a slowdown in the nation's manufacturing economy, and calls for continued improvements in New York's business climate to keep industry growing here. After showing year-over-year growth during the first four months of 1998, the state's manufacturing employment reflected slight losses from a year earlier this May and June, while factory jobs continued growing nationwide.
"We've proven that we can grab a larger piece of the national manufacturing pie," the report says. "We've done that by becoming more competitive." Taxes are lower, workers' compensation premiums are down, and a traditionally hostile regulatory climate is much better, it says.
The state should continue to improve its climate for manufacturing by improving job training, reforming the liability system, and continuing to cut the cost of doing business, the report says.


text:
The Bruce Murray Space Image Library
Original data downloaded directly from the PDS. Converted using Bjorn Jonsson's IMG2PNG software and processed using Adobe Photoshop.
Creative Commons Attribution-NonCommercial-ShareAlike 3.0 Unported License. For uses not allowed by that license, contact us to request publication permission from the copyright holder: Marc CanaleThis work is licensed under a
Explore related images: BMSIL, Cassini, pretty pictures, photo taken from space, data art (was amateur image processing), many worlds, Mimas, Saturn's rings
Adolf Schaller: 2014/07/04 05:29 CDT
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subset: commoncrawl


text:
Welcome to the Ecobaobab resources pages. We
try to cover key topics in sustainable living, giving examples as well
as explorations.
For news read the latest. Or see what's up in the forum?
earth, umhlaba, terra, gaia, le monde,
aarde, dunia
all conjure the visceral feeling of belonging, home, and the need to return some of the
wealth of nature back from whence it has been gathered. Modern cities and modern lives have
increasingly disconnected people from the earth though, so we are dedicated to finding
those ways that people can start to rejoin the source of life, and rejoice in sowing as well as
reaping; caring as well as enjoying; and being custodians as well as beneficiaries.
Although we are a company rooted in Africa, we seek the change for all of the world and all of the people that live on it.
The baobab is one of the ultimately well adapted trees of Africa, rising majestically over the plains, providing refuge and succor, no matter the season; to this we bring our belief in ecologically sustainable practices for (human) people, and we hope we have the ultimate departure point for living alongside the planet - living lightly.
In the ENERGY section
we look at the opportunities for, and trends in alternative energy. We view our energy needs in a number of broad areas, although the quantum of needs obviously varies drastically from domestic to industrial environments. We consider energy usage for lighting, heating, cooling, appliances and processing, as well as investigating the details of production, storage and distribution. We look at all the arcane terms and pieces of the puzzle from panels to controllers, invertors, batteries and feedback protection.
In the WATER section
we look at how we can make the best use of limited supplies of water, reusing multiple times, local filtering and purifying, and ensuring the best use with no wastage. We can harvest rain, as well as cycle nutrient rich water for aquaponic cultivaton.
In the EARTH section
we look at opportunities for serving human needs with a view to managing our effects upon the planet. The power of global economics is generally a force opposed to perfectly balanced ecological practices, but each lightening of the burden that we as individuals can pursue, is an assistance. More practically though, purchasing organic products helps, having our own high-density inner-city gardens contributes to food supply as well as beautification, and air renewal - urban forestry. On an individual level we need to look at recycling our own waste, recomposting organic output, and sharing our own produce.
In the CONVERSIONS section
we look at adding insulation to homes to save on energy use. We can insulate pipes, walls, ceilings, and double glaze windows. One of the most exciting potential developments is the creation of solar panels that are clear enough to function as windows.
In the BUILDING section
we look at methods of making buildings more energy efficient, and liveable for people. This section focusses on building better from scratch, but the CONVERSIONS section has acheivable options for individuals.
In the ORGANICS section we look at .
In the URBAN SPACES section we look at .


text: It's a question everyone is asking: Where were you when President John F. Kennedy was shot fifty years ago this day in November? (The AP photo on the left shows Kennedy and Vice President Lyndon Johnson leaving Fort Worth Texas for Dallas on that fateful day.) Nothing dramatic in my case. I was in an … Continue reading Where were you on that fateful day in November?


text:
Mark of Excellence. Average Damage Boost - Wot Leveling Service
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*Name your tanks for MOE on check-out page
*Due to game changes, high competition and extra time consumption if you want make an order for TIER X tanks - price will be different! Ask online-chat or send request at firstname.lastname@example.com for prices on Tier-X MOE.
Prerequisites and minimum requirements:
Active premium account
500.000 silver for premium ammunition
100 gold for equipment replacements
During order execution you don't play on leveling tanks.
Tanks must be fully researched and equipped.
Ability to change modules
Ability for crew retraining
Commander's "Sixth sense" perk and 100% basic crew skills
100+ battles Mastery Badge: "Ace Tanker" guaranteed.
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They did a amazing job! Definitely going to continue to do business with them!


text:
You will be booking direct with the property:
ARE WE WORTH THE EFFORT OF DRIVING TO? "This place is the epitome of Charm and Warmth" a comment we have received from many of our guests. At the Woodfalls we invite you to experience a charming pub atmosphere together with the ambience of our Restaurant which is located in the Conservatory. Our attentive service and accommodations we hope will exceed your expectations and we would consider it a privilege to be your hosts.
We will do our utmost to make your stay an enjoyable one.
The village of Woodfalls from which the Inn takes its name nestles on the northern edge of the ancient and beautiful if ironically named New Forest National Park. An old route from the north of the Forests coast to Cathedral city of Salisbury the Woodfalls Inn has provided hospitality to travellers seeking rest and refreshment since 1870. Just one and an half hours drive by motorway from central London wedged between the seaside resort of Bournemouth the port of Southampton and hard by the famous sailing waters of the Solent the New Forest appears to be trapped in time.
As soon as you are across its threshold you enter into altogether another world. The New Forests ancient customers woodlands and wilderness remain as they have for centuries giving the whole area a sense of ageless tranquility seldom found elsewhere. Like an ancient oasis its an idyllic retreat.
Once within its soothing influence you really can unwind from the grind of contemporary living. Here life moves increasingly in step with the grazing ponies who still enjoy the right of way over their modern counterparts the car on all but the three fenced highways through the New Forest National Park. All of the rooms are tastefully decorated in a typically English fashion all of our bedding is Egyptian Satin Striped Cotton no harsh starch and soft to the touch.
Each has en-suite tea and coffee making facilities TV and free Wi-Fi (due to the fact that we are near the National Park in the countryside the wifi can be intermittent at times as there are no masts in the park). Whilst modern facilities are available the level of hospitality is routed firmly in the British tradition. The very high quality of cuisine makes dining at the Woodfall Inn a pleasure whether it be a full English breakfast or lunch in the Conservatory or a light bite in the bar or a packed lunch provided for your day out.
From: £59.99
Room Facilities
Dining guide
Ironing board
Colour television
Tea and coffee making facilities
Family/oversized room
Pets allowed
Internet access
Wireless internet connection
Wedding services
Ironing facilities
Wakeup call
Room service
Internet access (wireless) in public areas
Non-smoking (throughout)
Free parking
On-site parking
Business Facilities
Internet connection (wireless)
Meeting rooms
Fax machine
Dining Facilities
The Woodfalls has a modern 40 seat Conservatory Restaurant overlooking the Patio area. In good weather our guests can enjoy breakfast on the patio.
Breakfast (Full cooked)
Child Facilities
Children's menu
Pet Policy
Get Directions on Google maps
View on:
Google maps (area overview)
Get an Ordnance Survey map covering the Woodfalls area.
Heritage Rated from 1- 5 (low-exceptional) on historic interest
Newhouse - 1.5 miles (Historic Building)
Hamptworth Lodge - 2.1 miles (Historic House)
Breamore House - 2.8 miles (Historic House)
Breamore Saxon Church - 2.9 miles (Historic Church)
Fordingbridge, St Mary's Church - 5 miles (Historic Church)
Rockbourne Roman Villa - 5.2 miles (Roman Site)
Rockbourne, St Andrew's Church - 5.3 miles (Historic Church)
Borbach Chantry Chapel - 5.8 miles (Historic Church)
Rufus Stone - 6.5 miles (Historic Building)
East Wellow, St Margaret's Church - 6.5 miles (Historic Church)
Other Nearby Accommodation
+ Heritage Rating + ?


text:
Parent Resources
For Killarney Junior High School
Required Supplies
3 Binders
Lined loose-leaf paper
4 packages of dividers
Scientific Calculator
1 Hilroy Scribbler/1 subject 120 pages
1 pack Duotangs
Ballpoint pens (blue and red)
Ruler (cm)
Package of pencil crayons
Package of fine felt markers
Pencils 2 packs
Glue sticks
Combination lock to be use during physical education
Students are also required to have at school proper physical education clothing including shorts or sweatpants, t-shirt, and running shoes.
Required fees:
A $75.00 textbook/Chromebooks deposit fee is collected each year from each student. At the end of the year, assuming that all library and textbooks are returned, this deposit is returned in full if they are not returning to Killarney School. .
Complimentary classes also have specific fees to cover the cost of supplies and materials. Please note the fee sheet for specific information.
Fees can be paid on schoolzone at anytime.


text:
Eva E. Harris, 90, of Greeley died Thursday, Aug. 18, at Bonell Good Samaritan Community, Greeley.
She was born Nov. 1, 1914, west of Lucerne to James William and Myrtle Laurenda (Moore) Redman.
On Oct. 7, 1933, she married Walter L. Harris in Denver.
Mrs. Harris attended Hazelton, Ashton and Auburn county schools and College High School in Greeley. She and her husband lived in the Bracewell area until moving east of Greeley to Davis Feedlot in 1952. She lived there for 50 years, until she was no longer able to live alone. She and her husband were married 64 years at the time of his death in February 1998.
A devoted wife, mother, grandmother, great-grandmother and great-great-grandmother who was loved by all, Mrs. Harris was a kind and gentle person who always had a smile on her face and had a great sense of humor. She always put others before herself. She loved to sew, knit and bake.
She belonged to a Home Demonstration Club while in Bracewell. After she moved to Greeley, she and her friends formed a Knit-n-Pearl Club, of which she was the treasurer.
Every year, she made holiday cookies for her grandchildren and great-grandchildren. She loved spending summers with her husband at their cabin in the Poudre Canyon.
Survivors are two daughters, Myrt Mesmer and husband Keith of Andover, Minn., and Marjorie Goetzel and husband Bob of Greeley; a son, Walter H. Harris and wife Cecile of Arvada; a daughter-in-law, Judy Elam of Evans; 10 grandchildren; 18 great-grandchildren; and three great-great-grandchildren.
In addition to her husband, her parents, a son James Donald Harris, and three brothers are deceased.
Services will be at 1 p.m. today at the Adamson Memorial West Chapel. Interment will be in Sunset Memorial Gardens, Greeley.
Instead of flowers, contributions may be made to Hospice and Palliative Care of Northern Colorado Inc., 2726 11th St. Road, Greeley, CO 80634, and/or the Weld County Humane Society, 1620 42nd St., Evans, CO 80620, or in care of Adamson, 2000 47th Ave., Greeley, CO 80634.
Condolences may be sent to the family at www.adamsonchapels.com.
Lorenna M. Katzenberger, 75, of Evans died Sunday, Aug. 21, at Hospice and Palliative Care of Northern Colorado inpatient unit, Greeley.
She was born Feb. 26, 1930, in Chanute, Kan., to Loren L. and Sylvia Mae (Petty) Fanatia.
She married Charles E. Schneider, and he preceded her in death in 1967.
She then married Harold B. Katzenberger on Dec. 21, 1968.
Mrs. Katzenberger taught school at St. Charles Borromeo in Gladstone, Mo., and then worked at the Social Security Administration until 1984, when she retired.
She and Mr. Katzenberger loved to travel, visiting Canada, Mexico, Europe and all 50 states. She hosted a campground in Alaska for a summer and enjoyed meeting people where she had made friends to visit all over North America.
She kept busy with crafts and reading after she was no longer able to travel. She was a 13-year survivor of leukemia but succumbed to lymphoma.
Survivors are her husband, Harold Katzenberger of Evans; a daughter, Pat Schneider of Kansas City, Mo.; three sons, Stephen Katzenberger and wife Karol of Harrisonville, Mo., Michael Katzenberger and wife Tracy of Longmont and Russell Katzenberger and wife Cathy of Grand Lake; 11 grandchildren; and 28 great-grandchildren.
She was preceded in death by her parents; a son, Richard L. Schneider; a daughter, Kathleen; and a sister, Jean Richard.
Mass of Christian burial will be at 11 a.m. Wednesday at St. Mary's Catholic Church.
Interment will be at Fort Logan National Cemetery, Denver.
Visitation will be from 5-8 p.m. today at Allnutt Funeral Service, Macy Chapel.
In lieu of flowers, memorial gifts may be made to the Leukemia and Lymphoma Society, Rocky Mountain Chapter, 5353 W. Dartmouth Ave., Lakewood, CO 80227.
Friends may view the online obit and sign the guest book at www.allnutt.com
Barbara Miller, 69, of Delta died Saturday, Aug. 20, at her home.
She was born Aug. 15, 1936, in Fort Collins to Leonard and Edna Davis.
On Jan. 17, 1959, she married James Robert Miller in Greeley.
Survivors are her husband, James Robert of Delta; a son, James Jr., of Delta; a daughter, Brinda Jackson Huff of Paonia; two brothers, Allan and Don Davis; a sister, Louise Wilkerson; and two grandchildren, Chris and LoraLee Jackson.
Memorial services will be at 2 p.m. Saturday at Eaton Cemetery.
Graveside services will be at 2 p.m. Wednesday at Heavenview, 1445 Porter, Delta.
Mesa View Mortuary in Delta is in charge of the arrangements.
M. Jane "Ruth" York, 78, of Lebanon, Pa., died Sunday, Aug. 21, at Good Samaritan Hospital in Lebanon, Pa.
She was born Sept. 29, 1926, in Lebanon to Richard B. and Matilda Bowman Ruth.
She was a member of Zion Evangelical Lutheran Church in Lebanon. She had attended Lebanon Valley College in Annville, Pa., and graduated from Rider University in New Jersey.
She and her husband met in New Jersey and lived in Bordentown, N.J., until moving back to the Lebanon area.
Mrs. York was a member of Senior Center of the Lebanon Valley and was an avid reader who enjoyed mysteries.
Survivors are her husband of 57 years, Alvin J. York of Lebanon; a daughter, Anne Matilda (York) Randall of Greeley; a sister, Mary (Ruth) Jones of Lebanon; a brother, John Ruth of Colorado; and two grandchildren, Sarah Randall and John Randall, both of Greeley.
She was preceded in death by her parents; and a daughter, Lorie Lee.
Memorial services will be at 9:30 a.m. Thursday at Christman's Funeral Home, Inc., 226 Cumberland St., Lebanon, Pa., with the Rev. Lawrence E. Hawkins officiating.
Interment will be at Indiantown Gap National Cemetery, Annville.
Memorial gifts may be sent to Polio Network of New Jersey, P.O. Box 537, Martinsville, N.J., 08836.


text:
Kolstein double bass with gamba corners and flat back.
Their "Orchestral Model" Kolstein double bass, from the Samuel Kolstein & Son workshop in Baldwin, New York, completed 1991. Maple back and sides with a deep brownish amber varnish.
Fairly compact classic design and solid Kolstein double bass execution, with a deep strong voice and excellent response. Rib bumpers.
Kolstein Double Bass Measurements:
- Upper Bout: 20.5"
- C Bout: 14.5"
- Lower Bout: 25.75"
- Rib Depth: 6.5 – 8"
- Length of Body: 42"
- String Length: 41"
- Weight: 22.4lbs.
- Neck: Eb
The Samuel Kolstein Violin Shop was founded by Samuel Kolstein in 1943 as a Violin and Bow making establishment. Original locations were in Brooklyn, New York and later at 55th Street and 6th Avenue in New York City.
Mr. Samuel Kolstein was a primary bow restorer for the Wurlitzer establishment from the late 1940's through the mid 1950's accomplishing much bow repair, restoration, and duplication for the famed Wurlitzer's "who's who" clientele. Mr. Kolstein, also conducted his own shop business of fine making and instrument restoration with an international staff of luthiers.
In 1958, Samuel Kolstein Violinshop relocated to Merrick, New York, on Long Island with Barrie Kolstein joining the shop in 1971. In 1974 the Kolstein shop reorganized forming two divisions:
- Kolstein Music, Inc.
The parent corporation and manufacturing division that specializes in Kolstein product development, manufacturing, and worldwide distribution.
- Samuel Kolstein & Son, Ltd.
The fine arts division dealing with sales, making, and restoration of string instruments and bows.
The two companies had offices and facilities in Bellmore and Merrick, New York. In 1980 the Kolsteins relocated to their present address at 795 Foxhurst Road, Baldwin, New York.
Upton Bass String Instrument Co. specializes in building award-winning custom double basses and offers accessories for the double bass. Upton Bass also services all instruments and bows of the violin family with world-class restoration and repair, to view our online restoration portfolio visit stringrepair.com
Upton Bass is ready to offer advice and answer any questions regarding double basses or related bass topics. Please contact UB at email@example.com or call the shop at +1 (860) 535-9399. Hours of operation Tuesday through Saturday 10 am – 6 pm. The Workshop (The Barn) and showroom are located in Mystic, Connecticut conveniently between Boston and NYC.


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Arthur David started life as a fruit and vegetable wholesale business in Bristol over 50 years ago, and has since developed into a successful food service delivery business. Customers include 5 star fine dining restaurants, hotels, cafes, pub chains and schools.
The company employs 230 full-time staff working 7 days a week on a site which includes their head office, warehouse and delivery fleet.
Attention to detail
As Arthur David has continued to grow, their old paper-based time and attendance system was becoming hard to manage and the information recorded inaccurate. In 2009 they approached Chronologic to replace the paper system with a new software solution.
Daren Hill, Operations Director at Arthur David comments, "We wanted a system that wasn't prone to human error. We also wanted to more accurately record things like overtime, sickness and holidays. Overall we needed to modernise the way we looked after this side of the business."
Preparation, preparation
Arthur David chose the Chronologic Workforce Management System because it can be precisely tailored to each individual organisation's shift patterns, pay rules and reporting requirements. Biometric hand scanning was also an important factor in ensuring ease of use and accuracy.
Daren comments, "The initial set up was straightforward enough and we received very good support."
One issue that Daren did find initially was getting staff to fully buy-in to the new system. To ensure that the system really does what an organisation is looking to achieve, as part of the initial set up, existing systems and processes need to be identified and articulated.
Daren advises, "Make sure someone in the organisation is assigned to be the person responsible for the setting up of the system and is fully trained in how to use it."
At Chronologic we find that many organisations, particularly those who've been running paper-based time and attendance recording for many years haven't really looked at their internal systems and processes for a while. Updating the way an organisation works requires bringing together knowledge from different departments and working through potential issues. This can take time, but ultimately an organisation will benefit substantially through savings on payroll costs and the streamlining and improvement of business processes.
Daren adds, "The Chronologic system is very good for a medium sized business like ours. If I was going to start the process again I think you must be 100% clear how you want to set up daily and weekly rules and schedules because changing it all later causes confusion. There were HR implications as well and I would make sure staff contracts have been reviewed before the system is set up."
At Chronologic we make sure we stay with our customers every step of the way, our service doesn't end with the sale. We help customers manage the initial requirements capture, provide training and support through the set up period and provide user support for many years of system running to enable organisations to get the most from their time and attendance system.
NB: Arthur David has recently re-branded and were previously known as A David & Co.


text: Alfred Pritchard Sloan Jr. was an American business executive in the automotive industry. He was a long-time president, chairman and CEO of General Motors Corporation. Sloan, first as a senior executive and later as the head of the organization, helped GM grow from the 1920s through the 1950s, decades when concepts such as the annual model change, brand architecture, industrial engineering, automotive design (styling), and planned obsolescence transformed the industry, and when the industry changed lifestyles and the built environment in America and throughout the world.


text:
- Popular singer Sarah Geronimo paid her last respect to the late Senator Edgardo Angara
- Sarah was accompanied by her parents
- The Kapamilya artist sang Edgardo's campaign jingle in 2007
Popular singer Sarah Geronimo, who sang late Senator Edgardo Angara's campaign jingle in 2007, paid her last respect to the former lawmaker.
On Instagram, Senator Sonny Angara uploaded a photo of Sarah and her parents during the wake of his father.
"Was nice of Sarah Geronimo @justsarahgph and her parents to pay their last respects to my father last week," he wrote on the caption of the picture she posted.
"She sang his jingle as a 17-year-old back during the 2007 senatorial elections," Sonny recalled.
A lot of Instagram users recalled such campaign video.
"Yass! I remember this. I was hesitant whom to vote during elections. But when I heard Sarah G's jingle to Angara, I voted for him," said @marvin13_1313.
"I remember that jingle! She patterned it to her song 'Sa Iyo'," @raissapunodiaz wrote.
While @lesterretsel quoted the lyrics, "Sa iyo ang tiwala ko. Sa iyo hangang-hanga ako."
Throwback. Here's the campaign jingle sung by Geronimo in 2007:


text:
Because of my photography and photo-editing background, I've decided to get into doing headshots for people. I figured I first better prove that I can do it. So through an elaborate rig, I took a few pictures using only natural light with my camera outside and me inside. Then I did all of the expected "touch ups" by turning even my skin into a mannequins. I hope to be doing more photography work in the future!
Headshot – Chris Potako! February 15, 2014 Chris Potako 0 Comment


text:
- Home
- News
- News & Views
- First-timers: a special case - or just another excluded customer group?
First-timers: a special case - or just another excluded customer group?
Published: 17 May 2011 | Author: Bernard Clarke
What can be done to help more first-time buyers on to the property ladder? Many believe the answer to this question is crucial to unlocking the housing market, and prospects for first-time buyers have been widely debated in recent months. We agree that, as a group of consumers, first-time buyers have not been well served by housing and mortgage markets recently. But it is important to understand clearly why this is so.
We have therefore spent a lot of time analysing the problems for this group, and potential solutions – both before and after February's first-time buyer summit hosted by housing minister Grant Shapps. The focus on problems for first-time buyers by the lending industry and the government has led to the launch of a number of innovative mortgage products and potential solutions by lenders, builders and others. And in his Budget in the spring the chancellor unveiled details of his new FirstBuy scheme.
Some of these measures will help some first-time buyers in some circumstances. But none provide a holistic solution to the levels of pent-up demand in the market.
We have briefed the housing minister on our analysis of the problems for first-time buyers. Our key conclusion is that there is no 'magic bullet' solution. From the industry's perspective, an initiative designed specifically to help first-time buyers potentially has as many potential down sides as benefits for the market.
We believe that, in the prevailing conditions in the mortgage market – which has stabilised but remains fundamentally dysfunctional – first-time buyers are just one group of consumers (admittedly perhaps the one with the highest profile) that is not being well served. Others include 'second steppers', borrowers in negative equity as a result of falling house prices, and customers with existing mortgage products that are now no longer available in the market.
'Second steppers' include a significant proportion of existing first-time buyers, many of whom have surmounted the initial problems but may have taken out their mortgage shortly before the financial crisis. Many now find themselves with only limited equity in their home, a shortage of potential buyers, and an inability to borrow as much as they would like to make the next step up the property ladder.
Wider mortgage market conditions
In our view, problems for first-time buyers can only be properly understood in the context of the wider mortgage market, which has seen a pronounced decline in activity since the onset of the credit crunch. Our data shows that gross mortgage lending has declined by more than 60% in three years, from £363 billion in 2007 to £136 billion last year. There is little prospect of recovery in the foreseeable future, and our forecast this year is that lending will be virtually unchanged, at £135 billion.
Within the context of this sharp decline in activity, the reduction in remortgaging has been particularly pronounced. In 2010, remortgaging accounted for 29% of lending, compared to 47% of a much larger market overall in 2008. Given the continuing shortage of mortgage funding, any recovery to the levels of remortgaging we saw prior to 2008 may now be decades away. The upturn in remortgaging in the first three months of this year was welcome but is unlikely to be the precursor to a renaissance of the remortgage market.
First-time buyer activity
The combination of a shortage of mortgage funding, declining house prices in many regions, evolving regulatory pressures and an aversion to risk in the market has produced a sharp decline in borrowing relative to property value. Table One shows the dramatic impact on first-time buyers of the removal over the last couple of years or so of mortgages allowing customers to borrow 95% or more of the property's value, and the move towards lower loan-to-value products.
Chart One: First-time buyer mortgage distribution: proportion of loans by loan-to-value band
Even before the credit crunch, first-time buyers had begun to adjust to growing affordability problems by taking out mortgages over a longer term. Table Two shows how this has become increasingly more common since 2005, with almost half of first-time buyers now opting for a mortgage term of more than 25 years.
Last year, however, the Financial Services Authority (FSA) proposed that lenders should assess mortgage affordability for borrowers on the basis of a term of no more than 25 years. Our data clearly shows that this would have erected a significant barrier to home-ownership for an increasing number of first-time buyers. We therefore welcome the FSA's recent confirmation that its proposal has been dropped.
Regulatory pressures and the risk-averse lending environment are the main reasons for a decline in interest-only borrowing by first-time buyers and an increase in the number of capital repayment mortgages, as shown in Chart Three. This does not imply that interest-only borrowing is a bad thing. But the pattern we have seen recently is being reinforced by the FSA's proposal that checks on affordability should require the borrower to show they can afford a repayment mortgage.
Chart Three: Methods of repayment of first-time buyer mortgages
Despite the more challenging conditions for first-time buyers, their age profile has changed little, as Chart Four shows.
Chart Four: Age breakdown of UK first-time buyers, 2005 – 2010
The biggest challenge for most first-time buyers is in the size of deposit they now pay, relative both to income and property value. Table One shows how rapidly this has changed in a short period of time.
Table One: First-time buyer characteristics
|Purchase price
|Loan size
|Income multiple
|Deposit as % of income, median
Help for first-time buyers
So, what can be done to ease the constraints on first-time buyers? One of the biggest challenges is trying to help within the context of a wider mortgage market that remains heavily constrained by a shortage of funding. This imposes its own restriction on the capacity or appetite of firm to innovate or take on risks associated with groups falling outside a safe core of low-risk customers – those with impeccable credit records seeking to borrow at low loan-to-value ratios.
Regulatory reform and new conduct rules are reinforcing these trends. Put simply, mortgages with a loan-to-value ratio of over 90% typically require eight times as much regulatory capital as those with a ratio below 60%.
Although we favour more intensive and intrusive regulatory supervision, lenders have responded to pressures to squeeze risk out of their businesses. This reinforces the barriers against first-time buyers with small deposits – one of the groups of customers associated with higher risk.
Fundamentally, the main barrier is that lenders essentially find it more difficult to take the risk associated with high loan-to-value mortgages, particularly those above 90%, partly because of its price. Where a firm is prepared to be more flexible, it typically requires additional measures to reinforce the borrower's commitment or to offset the higher commercial exposure.
Firms are more likely show to engage where the risks are shared with other parties. The market has devised a number of ways of achieving this, including mortgage indemnity insurance and the use of guarantees, including deposit accounts for parents' savings that pay interest but can be drawn upon by the lender if there are problems in meeting the mortgage commitments.
All of these options depend, of course, on having a partner willing to share the risk, whether it is an insurer, a guarantor, or the government (through initiatives like FirstBuy). Even then, regulatory capital requirements can be a barrier to preferential treatment.
Another approach is to help first-time buyers through products linked to behavioural understanding of the customer. Examples include regular savings schemes, which help a would-be first-time buyer build a deposit and also show evidence of a capacity to meet long-term financial commitments. But establishing a savings habit does not remove the barrier of a large deposit required for most borrowers.
So, is it all bad news for first-time buyers? Not entirely. The challenges are daunting, but not insurmountable – at least for some first-time buyers. From some lenders, we have seen welcome innovation in recent months, along with commitments from some firms to grow their mortgage business this year.
The government is also trying to help, despite the fiscal pressures under which it operates. In his Budget this spring, the chancellor unveiled the FirstBuy scheme, seeking to help builders and first-time buyers. It remains to be seen how successful this will be. The government has limited resources, and FirstBuy is modestly targeted to help 10,000 buyers over two years.
Although there have been a number of initiatives to help first-time buyers, the relatively small scale on which they operate – combined with a severe shortage of funding, and a risk-averse market environment – means that we do not expect there to be a significant increase in first-time buyer activity in 2011 or 2012. The reality for first-time buyers is that, although there is widespread sympathy for their plight, they are only one of a number of different types of consumer who are experiencing difficulties in challenging housing and mortgage market conditions.


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To replace a lost or stolen passport, please follow the below instructions step by step.
Important Notice: You must have an appointment for this service. Follow the step-by-step instructions below and click on the link taking you to our online calendar where you can choose a date and time slot of your choice.
STEP 1: Obtain a Police Report
- Report the loss of the passport to the police and obtain a copy of the police report. You must present the report at the Embassy. This applies to both lost and stolen passports.
STEP 2: Present Proof of Identity and Citizenship
- You need to present proof of identity and proof of U.S. citizenship. Proof of identity should include your photo, such as a driver's license. Proof of citizenship would be the original U.S. birth certificate (or Consular Report of Birth), Certificate of Naturalization, Certificate of Citizenship, or an old canceled U.S. passport.If you cannot submit any of these documents, please contact the ACS unit at email@example.com.
STEP 3: Submit Passport Application
- Passport applications (DS 11 and DS 64) are downloaded from the Department of State's website. Please disregard the instructions printed on pages 1-2 since that information pertains to passport processing when residing in the U.S.
- Please download both Form DS 11 (PDF – 89 KB) and Form DS 64 (PDF – 367 KB).Please note that according to U.S. law (26 USC 6039E) applicants for U.S. passports must provide a correct Social Security Number on the passport application. Failure to provide a Social Security Number if you have been issued one can result in a $500 fine enforced by the IRS. If you have never been issued a Social Security Number, write zeros in the boxes.For children under age 16, there are additional requirements.
STEP 4: Include Photographs
- Two identical, recent, passport photos are required. The Embassy will reject any photographs that do not meet the specified requirements.
STEP 5: Pay Fee
- The fee for in person renewal of an adult passport is $145.00, and $115.00 for children under the age of 16. You may pay with a credit card.
STEP 6: Postage
We cannot accept stamps or any other form of shipment. Failure to submit a shipment label according to the following instructions will only result in delays.
Prepare a shipment label ordered here (Skicka Direkt):
Choose REK (registered mail) postage and the weight of 50g-2kg:
Use the following From/Från address:
US Embassy, Attn: ACS
Dag Hammarskjölds Väg 31
SE-115 89 Stockholm
The recipient (Till) is the person to which you would like your passport to be delivered (that is the name of the passport holder for an adult and the name of a parent for a minor).
Be advised that the addressee must present a valid Swedish ID to retrieve registered mail from the designated local delivery location.
Passport cards: An application for a passport book will take approximately three weeks to process and for a passport card, six to eight weeks. If you would like to receive your passport book before the passport card, please provide two return envelopes with your application. Otherwise we will keep your passport book until we receive the passport card.
If no envelope with shipment label covering registered mail is submitted, the Embassy will be unable to process the application.
STEP 7: Set Up An Appointment
- Click on the link below taking you to another website where you can choose a date and time slot of your choice. Make your appointment.
Processing Time for Regular and Temporary Passports
Upon receiving a complete application the processing time for a regular passport is approximately 15 business days. A temporary passport can be issued within 24 hours.


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The campsite has a 60m2 heated pool surrounded by a tiled beach with free access deckchairs. It is open from 11am to 8pm.
A volley field, a boules pitch and a ping-pong table are available on the campsite. You can borrow balls, boules and rackets.
For the young amusement, you will find a playground endowed with :
Do you want more information ? Give us a call or send us an email and we will get back to you as soon as possible!
+335 62 97 05 45


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Events for 03-Nov-2019
Events Search and Views Navigation
Soul Food Brisbane
Theme: Children, the Light of the World Soul Food is a gathering of human souls that provides an opportunity to unite in a tranquil environment and reflect on inspiring themes and common threads that tie us all together. It features live music, audio visual pieces and readings from faiths and…Find out more »
The events listed in this calendar which are not organised by the Queensland Faith Communities Council (QFCC), are not officially endorsed by QFCC, and this information is provided to you merely as a service. The decision to attend these events is entirely up to the individual.
Information about event Organiser's can be found on our Members page (opens in a new window).
QFCC members can submit details for inclusion in the calendar by completing the Member Event Submission Form (form opens in a new window).


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Sample White, Milk, Semi Sweet Dark, and 72% Dark Chocolate. Compare chocolates by appearance, texture, aroma, and flavor. Learn the history of the cocoa bean. Learn why chocolate needs to be tempered. Dip and create your own treats. Learn easy tricks for decorating, dipping, and creating items at home. Taste the difference between creams, truffles, and meltaways. Receive recipes and ideas developed for your class.
$25.00/per person
To register for the Chocolate Make & Taste class, please complete the form below:
Class Cancellation Policy:
In the unfortunate event that Allô! Chocolat has to cancel a scheduled class, the class will be rescheduled or a full refund will be given. No refund is available if registrants cancel.


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Miami-based teen, Theo Quenee, is helping to preserve and protect the South Florida landscape, having planted hundreds of mangroves to replace trees trampled by last year's Hurricane Irma.
Mangroves are an essential part of a marine eco-system. In addition to providing a healthy and complex habitat for fish, sharks, and turtles, they also protect the coastline from erosion.
Though the tropical storm, Hurricane Irma, wreaked havoc on buildings and properties, Theo Quenee was primarily shocked by how many mangroves had been damaged by the tropical storm.
The 18-year-old noticed that there were hundreds of red mangrove seedlings mixed in with the debris lining the streets of his neighbourhood in Miami.
He said: "After the hurricane there was a massive amount of [mangrove] seedlings mixed within the seaweed/debris mixture. Everything was then going to be gathered and thrown in a truck to dump at a landfill. I realised that all of South Florida would ultimately kill thousands of mangroves in the clean-up process."
Theo Quenee, who is a freshman at Florida International University, built a greenhouse on his roof so the little trees could get a sufficient amount of sunlight and humidity. Then, he filled the greenhouse with 524 seedlings that were separated into individual yogurt buckets.
Seven months later, with over 400 red mangrove propagules left, the trees were ready to be planted. After consulting with some NOAA scientists and learning more through Google searches, Quenee settled on a location rich in soil nutrients despite being damaged by Hurricane Irma.
He enlisted the help of friends to build a PVC pipe grid for the mangroves. They planted over 400 trees in just a few days.
Now the environmental guardian is waiting to see how the mangroves will hold out in the elements. Theo Quenee said: "The area I planted them in is pretty rich in nutrients, it has good muddy soil and a good amount of water so I think they'll be doing well where they're at.
The photographer and cinematographer is also hoping his mangroves will help with coastal erosion and make a good home for wildlife in the area.
Rosa Medea is Life & Soul Magazine's Chief @rosamedea


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Garrett Sweater - Dijon
Our Garrett Sweater is back but this time in a Dijon yellow! This sweater is the perfect everyday light pullover. Featuring dropped shoulders, extra long sleeves, a high low bottom hemline with a balloon like oversized fit, and a v-neckline in the front and back. Throw this on with a pair of skinny bottoms to balance out the loose fit of the top, or front tuck it in to a pair of high waisted denim.
Fit is meant to be loose and oversized. Take your normal size.
Featured in our Try On Thursday - Episode 26 Video at 2 min 42 sec.
Approximate measurements when laid flat:
|Length (from top of shoulder to bottom front hem, bottom back hem)
|25", 29"
Length (from top of shoulder to bottom front hem, bottom back hem)
|26", 30"
55% acrylic, 45% nylon.
For optimal results hand wash in cold water or turn inside out, put in a garment bag and wash on delicate cycle in cold water, do not bleach, line dry.


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Len Stoler is proud to be an automotive leader in our community. We are also proud to support a number of charitable causes in the Owings Mills, Westminster, Maryland, Oyster Bay and Westbury, New York areas. At Len Stoler, we understand that our business prospers when our community prospers.
Listed below, you will find a list of the causes we support and contact information should you want to make a contribution or get more information about any of the worthwhile charities and causes Len Stoler supports. We thank you for your time and interest.
Len Stoler sells a wide selection of new and used Lexus, Toyota, Chevrolet, Porsche, Chrysler, Jeep, Dodge, Hyundai, Ford and BMW vehicles. Whether you live in Owings Mills, Westminster, Maryland, Oyster Bay or Westbury, New York, we strive to provide you the best service at the best price.


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Jack Hallows looks at what business Liverpool's rivals have done this summer and assesses how the Red's own transfer window looks in comparison.
Chelsea – Spent: £130m*
Incomings: Alvaro Morata (Real Madrid), Antonio Rüdiger (AS Roma), Tiemoué Bakayoko (AS Monaco), Willy Caballero (Manchester City)
The Verdict: The Champions have done fairly well for themselves this summer, especially if you believe reports that they could have as many as four more incomings this window.
Antonio Conte has addressed the need for a new central defender with the signing of Rüdiger – who is versatile enough to also be a fill-in at right back – while also adding more than capable replacements for Matic and Costa.
However, he will likely be hoping to sign another wing-back option as an upgrade on Moses while the club could certainly still use a couple of other squad options for domestic competition.
Tottenham Hotspur – Spent: N/A
Incomings: None
The Verdict: I'm not particularly sure what Spurs are playing at.
Yes, on paper they have one of, if not the best starting XI in the Premier League even with Walker having left for Manchester City but if Eric Dier also goes – he's linked with a £40m switch to Manchester United – they all of a sudden start to look very light.
The Londoners' squad depth was truly tested at times last season, especially in Harry Kane's spell on the sidelines in the Autumn and their lack of replacements for Dembele, Alderweireld and Kane among their current squad should certainly be red flags.
Pochettino has a real talent for developing youth players into top-quality options but you really feel he's in need of at least two or three new players this summer if they're to improve on last season.
Manchester City – Spent: £185m*
Incomings: Bernardo Silva (AS Monaco), Kyle Walker (Tottenham Hotspur), Benjamin Mendy (AS Monaco), Danilo (Real Madrid)
The Verdict: They've not even begun addressing the problems they have in the centre of the park but they're already the closest Premier League side to breaching the £200m barrier so far.
Silva and Walker, in particular, look absolutely stellar additions while Mendy was one of the most exciting full-backs in Europe last campaign. Danilo also gives Guardiola a solid and versatile squad option, however, they still desperately need at least one new centre back.
If Guardiola continues to splash the cash in the same manner he has done for the remainder of this window and manages to address a couple of other problem areas – for me they still need another holding midfield and one if not two centre halves – they'll definitely be a major contender for the title.
Arsenal – Spent: £50m*
Incomings: Alexandre Lacazette (Lyon), Sead Kolasinac (Schalke)
The Verdict: In my opinion, the best pieces of business that Arsenal have done so far is keep duo Alexis Sanchez and Mesut Ozil for at least another season. The pair are hugely important to the Gunners and Sanchez, in particular, is one of the most game-changing and frightening players in the Premier League on his day.
Securing left back Kolasinac on a free transfer was a shrewd way of addressing a problem position by Wenger and you don't need me to remind you just how highly I rate Alexandre Lacazette. His signing could turn out to be the coup of the summer.
However, the Gunners definitely still have areas to improve. A new right sided attacker to replace the want-away Oxlade-Chamberlain and frustrating Theo Walcott is a must while they could also do with a new backup centre half, goalkeeper and right back.
If Wenger is going to continue in the 3-4-3 formation he has deployed in pre-season and at the end of last season, the club cannot afford to be using the likes of Nacho Monreal, Mohamed Elneny and Alex-Oxlade Chamberlain all out of position.
Manchester United – Spent: £120m*
Incomings: Romelu Lukaku (Manchester United), Victor Lindelöf (Benfica)
The Verdict: The business Manchester United have done has been very good. They needed a guaranteed source of goals to come in and replace Ibrahimovic so they got a man who's managed 20+ for three consecutive seasons. Never mind his price tag, in this market, it's definitely not a rip-off.
Lindelöf for me is an unknown quantity but the club most certainly needed another centre back. Chris Smalling's decline, Daley Blind not actually being a centre back and Phil Jones not even being a footballer all contributed to a backline that was deceptively poor last season and with Eric Bailly back to full fitness, the new signing could be the perfect partner.
I still do think they could use another left-back and another number 10 in case Mkhitaryan doesn't manage to kick on this season. They're certainly set up top for now though, as long as Mourinho doesn't play seven at the back every weekend.
Liverpool – Spent: £45m+*
Incomings: Mohamed Salah (AS Roma), Dominic Solanke (Chelsea), Andrew Robertson (Hull City)
Verdict: Unfortunately, Spurs aside, I think our lot have had the most underwhelming window so far. The money spent is not the issue, the issue is that the Reds have only signed one guaranteed first team starter and have struggled seemingly endlessly to secure their top targets.
Mohamed Salah is a fantastic signing who is a guaranteed source of goals, both by scoring and creating them but both Robertson and Solanke will take some time and getting used to.
The Scottish left back is an exciting prospect whose age means he's seasoned yet developable and his Premier League experience will be vital in helping him adapt to his new surroundings.
Solanke, on the other hand, could end up a bargain in two or three years but for now should remain firmly as one for the future.
If the club does manage to secure both – or at least one – of Virgil van Dijk and Naby Keïta while holding onto Philippe Coutinho, then this window can be qualified as a certain success.
However, keep Coutinho or not, fail to secure both of Klopp's top targets and this window goes straight onto the 'underwhelming and frustrating' pile.
Who do you think's had the best transfer window so far? Let me know down below!
*All spent fees are rough figures and don't take into account various add-ons. For example, Morata was £58m up front but could rise to £70m if add-ons clauses are achieved.


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Buyer's Market
- Seller's Market
- Very Poor Market
A buyer's market exists when housing prices are "soft" and lending is easy. This means that home prices are lower than they could be, interest rates are down and lenders are looking for buyers. In this market the seller who holds out for a certain price has little chance of getting it – there are just too many homes on the market that a buyer can choose instead.
In a seller's market inventory is down. Each house sells quickly with multiple offers and often for a good bit more than the seller asked for. The buyer who really wants to get in to home ownership will need excellent credit and a willingness to negotiate aggressively to beat out other buyers.
After the housing market started to slide in 2007 foreclosures and short sales started to come on the market. But banks were cautious about lending and tightened their standards. Borrowers who once could have qualified for a mortgage found themselves declined. As housing values slipped, sellers found themselves owing more on their mortgage than their house was now worth. Interest rates went down but no one could qualify for the loan so it did not help.
Now we have a fourth type of market that is very rare. We call it the "Everybody Wins" market. How could that happen? Mostly through market correction. As home values have held steady, banks have become more willing to loan. As homes have sold, inventory has decreased. As a result of having less inventory on the market, home prices are steadily coming back up. Sellers can afford to sell their homes. Buyers can qualify for a mortgage and buy a home they don't have to bid frantically on. Lenders are loaning on homes that are holding their value.
What else do you need in a market like this? A good broker! Come to RE/MAX Flagstaff and see what a wonderful experience you will have selling or buying your home. Experience, professionalism, caring, and education come together to take you through the process to a successful outcome!


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Sophierce Beauty Salon
Contact Info:
Suite Number: 308
Salon Number: 319-936-5372
Address: 10950 North Freeway, Houston, Texas 77037
Email Address: firstname.lastname@example.com
Salon Hours:
Mon: By appointment only.
Tue – Fri: 11-5 Available for walk-ins
Sun: Closed
About Me:
Hi, my name is Sophia Seals and I am a Master Stylist with a Chicago Flare. 20+ years of experience in creating Custom Cuts and my passion is short hair and ALL weaves.
I love to make people look and feel wonderful. Come in and get a taste of Chicago!
- LIFE-LONG SPECIAL OF $10 OFF YOUR SERVICE(s) FOR ALL FIRST TIME VISIT (excluding haircuts).
- FIRST TIME CLIENTS: Please TEXT me your wants/desires for your appointment with me along with a picture for a quicker and more accurate quote of services.
- Cut & Style starts at $50.00
- Kids Cut & Style starts a $35.00
- Updo's start at $45.00
- Natural Styles start at $40.00
- Relaxers start at 50.00
- Braiding starts at $45.00
- Twists start at $40.00
- Silk Press starts at $40.00
- Quick Weaves start at $55.00
- Sew ins start at $70.00


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Terrazza dei FratiGallery
On the first floor of a residential building in Campo di Marte, quiet and green area of Florence. The apartment is only 15 minutes walk from the historic centre and 5 minutes by public transport. Near to Via Gioberti (5 minute walk), a famous shopping centre of the city with all kinds of shops, very appreciated by the Florentines. You can find bakeries, ice cream parlours, bars and typical restaurants.
Peculiarities of the apartment is the spacious and bright terrace, equipped with relaxing area which overlooks the private garden of the apartment building, where the monastery dei Frati Bigi stood until the mid ' 900.
The apartment has a large kitchen, well equipped with: refrigerator, dishwasher, stove, oven and microwave. The bathroom offers a shower, washer-dryer and hair dryer. The living room features a flat-screen Tv and a sofa-bed, very comfortable. The bedroom with double bed and large closet, directly leans out on the terrace with the possibility to have breakfast outdoors on terrace.
At your arrival you will find a complete set of bed linen. For those who have planned to reach Florence by car, there is the possibility to park in the private driveway of the block.
The value paid for this reservation, includes the services offered by ApartmentsFlorence.
Classe G, Prestazione Energetica Globale 328.5 kW/m².
09/11/2014 - 5 star apartment
The apartment is recently redone, and everything is neat and new. In terms of amenities it is like a 5 star apartment suite. It is reasonably close to the center, but also has parking, so if you hire a car you can do the surrounding towns with ease. Our only grouse was that the apartment was delivered to us with its floor very dusty. We were unable to clean it and the managers did not help. Our feet were always caked with a fine dust layer which was very uncomfortable. Everything else in the apartment was sparkling.
19/10/2014 - Very pleasant modern apartment close to citycenter
Spacious appartement. Brand new (renovated). Fully equiped kitchen. 15 Minute walk to the city. Bedroom and double bed relative small compared to the rest of the appartment. Relaxchairs on the balcony would complete the experience!
09/03/2014 - Florence experience
I have to tell that was a great weekend in Florence. We arrived at 11 pm at the apartment and there, was Silvia, waiting for us... She was so kind with us, she helped me with the baggage, It was raining, and I travelled with 4 suitcases! Thanks Silvia, we allways remember you! About the lo arte, it was very easy find the apartment. The owner, Francesco also was there, and he showed us the flat which was very new and clean. He told us we were the 2nd renters. The flat has all things that you want, It was like our home while were there. Near there was a supermarket, and a line 6 bus stop, but it is not necessary because you can go walking to the Duomo, it's 1,5 kms, and to leave it's easy too because the highway it's close too. I would recomend it
18/12/2013 - Refurbished apartment in a calm setting
I stayed in this apartment for five months and found it extremely convenient in terms of location and comfort. It is located in a quiet street and close to main shops and local services such as supermarkets and the Campo di Marte train station from where there are trains that bring you all over Italy. The owners of the house are very good people and always at disposal in case of need or questions. The house has been refurbished in 2013 and has TV, WiFi, air conditioning and a terrace where you can enjoy eating outside in peace.


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Savedra Resort is a full service resort, you can count on finding everything you really need - good food, cosy accommodation, breathtaking scenery and fantastic diving.
Room amenities:
Room Description:
All rooms are tastedfully furnished and equiped with modern facilities to ensure you a compfortable and pleasant stay. Standard room seaside view with wifi access.
Subject to availability
From till


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Problems We Solve
Content Marketing
Consulting Services
Your Business to Business Marketing Problems Can be Solved
B2B Online searchers are hungry for knowledge and are looking for honest answers. These B2B customers are looking for the truth behind the advertisement and they will quickly ignore a company that doesn't address their needs honestly.
We've been part of many successful online marketing campaigns over the last 15 years. We know from studying successful B2B marketing that customers go through predictable stages when searching for a solution for a business need.
How can we increase Search traffic and lead generation? – Content Marketing and SEO are proven as powerful lead generation tools. 93% of B2B buyers start their research with search engines. To maximize your marketing means combining 3 or more marketing channels. We can show you which channels work best together to reach your B2B audience.
What marketing channels will help potential clients to Know our business? – 80% of business decision makers prefer to get company information in a series of articles versus an advertisement. 48% of B2B buyers said that webinars were the most valuable content format in the mid-stage of their buying journey.
How can we build customer Trust? – 49% of B2B buyers said they rely more on content to research and make purchase decisions. 64% of Business buyers reveal that they share case studies with their colleagues. DemandGen Report
Why don't sales leads buy from us? – 50% of buyers delayed or stopped their business purchases after the search for a vendor had begun. We can help you align your marketing and sales collateral with client needs that matter most to them. We can also optimize your landing pages to increase your sales conversion rate.
How can our marketing team work better to deliver qualified leads to our sales team? – Many salespeople throw away the leads sent to them by your marketing team. Your marketing team can deliver quality leads to sales when both teams use the client insights that we develop through research and Buyer Personas.
The most effective path to more sales is building content that is relevant to the needs and desires of your customers. By putting their problems at the front of your marketing efforts, and creating content that aims to answer their questions honestly you will attract and earn the trust of your B2B customers.


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Oracle Platinum Partner
- Oracle Enterprise Manager 11g
- Oracle Database 11g
- Oracle Database 11g Performance Tuning
- Oracle Solaris 10
Oracle (Oracle Corporation) is a US corporation, the second largest software vendor in terms of revenue and the largest enterprise software vendor; a large-scale server equipment supplier.
The company is focused on data base management systems, middleware and business applications (ERP and CRM systems, dedicated industry applications). The most known product is Oracle Database that the company has produced since its founding. In 2008 Oracle started producing engineered appliances, and due to Sun Microsystems acquisition in 2009 became a server equipment vendor (before that it produced only software).
World Headquarters: United States.


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'Vanderpump Rules' Recap: Stassi Freaks Out & Leaves Her Birthday Party In Tears
It's her party and she'll cry if she wants to. Stassi had a meltdown at her birthday party, ran off in tears, and left Katie with a $1400 bill — read our full recap here!
Stassi's birthday always comes with drama and this year was no different, as evidenced by the Feb. 12 episode of Vanderpump Rules. Birthday twins and rivals, Ariana and Stassi, both planned extravagant parties on the same night, but while Ariana shined at the "queen" of her ball, Stassi's party ended in tears… her own. Why, you may ask? Well, Stassi invited the stripper from Katie's bachelorette party, and she was happy to see her show up, but when Katie suggested they do shots off of her ass, Stassi freaked out. She said she hadn't had a chance to talk to her boyfriend, Patrick, all night and because they had just gotten into a massive fight a few days earlier, she was having major anxiety. With tears streaming down her face, Stassi ran home, without even paying the bill for the party. So poor Katie was left having to pay the $1400 tab at the bar.
Meanwhile, Tom Schwartz and Tom Sandoval celebrated the approval of TomTom's permits by writing hefty checks to Lisa Vanderpump. Sadly, Sandoval couldn't exactly celebrate the milestone at home, as he was busy dealing with some relationship issues. Ariana started going to therapy and revealed to a few of her friends that she and Tom aren't really having sex anymore. She has major body image issues, which makes Tom feel insecure from time-to-time, but she assured him that if they remain close, emotionally, she'll want to have sex with him more often.
Later, Lisa punished Jax for ruining her big night last week by banning him from her annual dog event. He didn't seem too sad about it, though, so we're not sure he'll ever learn his lesson.
HollywoodLifers, what did YOU think of this week's new episode of Vanderpump Rules? Tell us below!


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This activity is closed to further registration.
305 Jackson Ave.Naperville, IL, 60540
Description: Calling all parents, grandparents, aunts and uncles - join us for Family Bingo! Event includes 12 games of Bingo, a snack provided at the start, pizza and a drink at the halfway point, prizes for both adults and children and a consolation prize for all children at the end of the event. Registration closes July 11. No walk-in registrations for this event. This is a per person event; every child and adult must register. (lmo)
1. Early bird price is good until July 8.
320 W. Jackson Ave.
Naperville, IL 60540
Contact us for information:
Tel. 630.848.5000


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Travel safe: Be sure to follow any government safety guidelines for travel. Learn more
Set high in Southwest Colorado, Vallecito Lake provides an ideal base for exploring the legendary Four Corners region. Venture into the backcountry and you'll find a wonderland of shimmering lakes, snow-capped mountains and lush forests. The shoreline is dotted with stunning Vallecito Lake vacation rentals that make it easy to relax on the deck with a good book and freshly-brewed coffee. Whether you're craving more caffeine or need to pick up supplies, Durango is just 30 minutes away. The characterful Colorado mining town is brimming with trendy cafes, local boutiques, organic restaurants, craft breweries and colorful farmers markets.
Covering a 1.8 million-acre footprint, the San Juan National Forest features everything from sunbaked desert mesas to lofty alpine peaks. While sleeping under the stars is a treat, Vallecito Lake vacation rentals mean you don't have to compromise on comfort. Book a secluded cabin and you'll be surrounded by a canopy of ponderosa pines, Gambel oaks and American aspens. For a breathtaking daytrip, why not drive the San Juan Skyway? Spanning over 200 miles, it winds through the mountains and will take you past sheer cliffs, tumbling waterfalls and towering 14,000-foot peaks.
Vallecito Lake serves up a slew of recreational activities, from boating and kayaking to fishing and swimming. Not to mention hiking in the San Juan National Forest, wildlife watching in the Weminuche Wilderness Area and horseback riding in the mountains. Things don't slow down in the winter, with the chance to cross-country ski, snowmobile, ice fish, sleigh ride and more. Planning a family getaway to Colorado? From luxury lodges to lakeside cabins, Vallecito Lake vacation rentals are big enough to house the whole family.
Summer is high season in Colorado, when Vallecito Lake is flooded with locals and vacationers alike. The days are long and sunny, which makes it a great time to boat, fish or explore the backcountry. Fall can be a beautiful time to visit, when the San Juan National Forest explodes in a sea of reds, yellows and golds. While winter in Vallecito Lake can get snowy, it's a great time to cozy up by the fireplace with a board game and a bottle of wine.
In Spanish the name Vallecito translates to Little Valley. This is a nod to its location in the heart of the San Juan National Forest. The lake is considered to be one of Colorado's most beautiful bodies of water, with 12 miles of shoreline to explore. Keep an eye out for bighorn sheep and elk roaming the woodland. Remember, San Juan is bear country so, if you're hiking, make plenty of noise and keep dogs leashed. Vallecito Lake is brimming with salmon, northern pike and rainbow trout. Don't forget to obtain a valid license before you cast a line.
Our 2020 property listings offer a large selection of 662 vacation rentals around Vallecito Lake. From 74 cabin rentals to 217 house rentals, find a unique house rental for you to enjoy a memorable holiday or a weekend with your family and friends.
There are many lovely places to stay for a holiday trip or just for a weekend in Vallecito Lake. From Vrbo travelers, the top most popular destinations to visit are:
And Vrbo offers you the chance to discover many other popular destinations in Vallecito Lake! Please use our search bar to access the selection of vacation rentals available in other popular destinations.
Whether you're traveling with family or friends, here are the cities with the largest selection of vacation rentals for a holiday trip or just for a weekend in Vallecito Lake:
For other cities, please use our search bar to access the selection of vacation rentals available.
Vrbo offers a large selection of rentals near lovely places in Vallecito Lake. From Vrbo travelers, the top most popular points of interest to stay for a holiday trip or just for a weekend are:
But there are many other points of interest around Vallecito Lake listed on Vrbo where you can find your place to stay. Just write your wanted destination in our search bar and have a look at our selection.


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I've known about a good old fashioned beer hair rinse for a long time but have always been skeptical. It just seemed like one of those DIY beauty treatments that were unnecessary – like moisturizing your face with bananas. It 2014, we have the technology to make great lotions and creams sans chemicals and they don't brown! I'm all for going au naturel obviously but then there's just wasting food. But when I saw that Ben had couple of cans of Guinness just sitting in our fridge door untouched for two months, I thought why not put this folky recipe to the test? Brewsperiment! The Treatment It seemed simple enough – open a can of beer, let it sit, warm and go flat, then pour it through your scalp and rinse. Easy peasy hops and squeezey. And the online reviews were promising as they touted more conditioned, volumous hair. What you need: Half a can of any beer – doesn't need to be fancy imported stuff. So I opened up a tall can, poured half of it into a mason jar and left it out for a couple of hours. I think this is needed more for comfort because running cold sudsy beverages over your head seems pretty unpleasant. I've done a hair rinse with apple cider vinegar right out of the fridge and wowee! It's chilling. Now I used a glass mason jar and was really careful with it but if you want to be safe, use a plastic cup. The shower or tub is a wet, slippery place and there is a risk of dropping and shattering glass. Last thing we want is you naked in a confined space with broken glass shards. I drew a bath and decided that this would be easier that a shower with its constant running water, diluting the rinse. After shampooing and rinsing out my hair with the Pure + Simple Mane Taming shampoo (any natural shampoo will do), I carefully applied the Guinness to my hair and massaged it into my scalp as if shampooing again. Then I tied my beered up hair in a messy bun and enjoyed my soak. Ten minutes later I rinsed my head out, towel dried and waited for the results.
Verdict? Well, I need to apologize to the beer gods because when my hair dried, it was so bouncy and clean feeling with each strand feeling like it had a light conditioned coating to it! More importantly, I didn't smell like I had gone out and binge drank that night as you could hardly detect an odour at all. This is unlike the apple cider vinegar rinse in which Ben always exclaims "you smell sour!" (what every woman wants to hear from her husband). Awesome. This St Paddy's day when cleaning up the half empties around the house (not in my universe by I can live vicariously through you), save a few for a DIY hair rinse. No waste no haste.


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This site is part of the Informa Markets Division of Informa PLC
This site is operated by a business or businesses owned by Informa PLC and all copyright resides with them. Informa PLC's registered office is 5 Howick Place, London SW1P 1WG. Registered in England and Wales. Number 8860726.
The 5th Malaysia Oil & Gas Services Exhibition and Conference (MOGSEC 2020) will be held from 22- 24 September 2020 at the Kuala Lumpur Convention Centre (KLCC). The exhibition plays a crucial role encouraging greater collaboration within the Malaysian Oil & Gas industry as well as promoting the development of the local service sector. The main objective of the show is to place Malaysia as the regional hub Oil & Gas.
MOGSC's key mission is to promote the capabilities of the Malaysian Service Providers and showcase Malaysia as the regional hub for the Oil & Gas industry development of the local service sector.
MOGSEC 2020 will gather 8,000 trade and professional visitors from the Malaysian Oil & Gas industry.
Source the latest tools, products and technology from 350 participating companies.
MATRADE is organising an International Sourcing Programme (INSP), which will be held in conjunction with the MOGSEC 2020. During the event, MATRADE will arrange one to one business meeting between Malaysian companies and international buyers from various countries.
Recognise and honour local companies and individuals who are at the forefront of homegrown innovation in conjunction with MOGSEC 2020.
MOGSC is giving prominence for MOGSC members to participate at MOGSEC 2020.
Professionals and major players of the Oil & Gas industry gathered to conduct technical talks during the exhibition, presenting technical seminars, covering various topics.
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Cloud computing is the new paradigm in the world of information technology. It has enabled the accessibility to the shared resources over the internet. All the business processes can now be turned online with the help of this type of technology. Modern businesses are implementing this technology to promote the overall growth of the organization and make it easier for the business owners and business managers to carry out the business operations even from the remote locations in the real time. Sky IaaS is one of the cloud service providers which deploys the best cloud software in different types of organizations.
About cloud hosting
Cloud hosting is the hosting service over the cloud technology. It allows the integration of several numbers of machines in one system. Shared and dedicated network hosting is based on only one machine whereas cloud hosting includes multiple servers that promote hosting services. Cloud server not only integrates the other systems but also has enough space for the new resources to work on the cloud.
Advantages of cloud hosting services
Here are some of the advantages of using cloud hosting for business purposes:
- Flexibility in website growth
- No chances of failure
- Option to access dedicated resources
- Improved performance of websites
- Highly advanced virtualization systems
- High speed storage
- Advanced encryption that makes the network secured
Improve the agility of your business
Cloud hosting allows your websites to remain on the network for as long as you want. It can be easily optimized for the search engine and contributes in the agile transformation of the business. When the centralization of the networks is created, it helps in improvement of efficiency of the organizations and insists the organization towards agile transformation. Cloud hosting is the latest trend because it needs low cost and customizes to the needs of all the organizations.


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I'm not an interior designer so I won't be the expert decorator you may be looking for. But I do like to add some seasonal touches. Here are my little touches throughout the house.
When you think of Fall, what do you think of? That's what you can decorate with! It doesn't have to be perfection, it has to bring a smile or good memory to your mind. You don't have to decorate every surface unless you enjoy decorating so much that it's relaxing and fun for you. I keep it reigned in because I not only have to put it out, but I have to clean around them and then cleaning them before storing them when it comes time for Christmas decorating. You have to keep in mind that it's not just putting it out, but maintenance (like dusting, vacuuming, washing), then cleaning them before you carefully store them. And do you have enough room to store your things? So you have to find the balance for your home, your schedule and your preferences and go from there. If you have limited storage (such as living in an apartment) you can do one of two things. Only put out a couple of things. Or, use perishables to decorate with, things you can eat or throw away. You can use candies, twigs, real leaves and nuts, real pumpkin and winter squashes, fresh flowers, etc. You can re-purpose some things. For instance, if you have one of those decorative chalkboards and then use it each season by putting different messages on it.
Here are some ideas I found on the Internet:
Chalkboard ideas
Football games - Do you and your family love football? Look forward to tailgating? Love watching games on TV? Big alumni supporters or favorite team supporters? Then use it in your seasonal decor! I love picnicking and tailgating. We don't often get to go to football games but I do love the picnicking when we do. So I use an old picnic basket or my vintage metal cooler, a plaid afghan, a vintage thermos, an old football from one of my nephews and some colorful cups to bring back to our memory those picnics and hot chocolate football games.
Bright leaves, berries, twigs, etc - Most of us love the colors of nature in the Fall. I love to put out bright leaves and fall flowers in vases around the house. I love the colors and I love the memories of Fall walks and the sounds and smells of the outdoors in the Fall.
Fall cooking - Every Fall I have some Fall recipes that I make. We love Butternut squash bisque, spinach and pear salad, kale slaw, cooked greens, beans in the crockpot, apple salad, baked sweet potatoes, apple cider, etc. Do you have some tried and true recipes? Do you like trying new recipes based on a Fall theme? You can evoke these in your decor. Put out some Fall dishes on the dining room table. Use vintage thermoses or baskets. A bowl of apples. Use pumpkins, squashes and gourds. Place a pretty soup tureen out. Drag out your Fall platters. Use glass containers that hold beans, popcorn, pasta.
Do you love wood fires in the Fall? - Find some clean wood and place in the fireplace or in a basket by the fireplace. Some people like to use birch logs because of the white bark. Take some small branches and tie with a burlap ribbon. Use wooden bowls, bread bowls, buckets, trays.
Do you think of mulled cider, hot chocolate, pumpkin spice flavored coffee, chai tea when you think of Fall? How about decorating with Fall mugs, coffee beans in a vase with a tealight on top to warm the beans and release the fragrance? Put some cinnamon sticks in a Fall mug and place on the countertop. Fill a glass container with hot chocolate mix and put a candy dish with peppermints or caramels to add to the hot chocolate.
Do you love candlelight in the Fall? Get some nice candles and place them around. Be creative with candleholders. Just be careful about dry things around the flame as you don't want it to catch on fire.
Do you think of the farm, hay rides, harvest, crops? What could you use to remind you of a farm and the harvest? Wagons? Wooden bowls? Baskets? Galvanized buckets? Sheafs of wheat? Bushel baskets of apples? Hay bales? Real pumpkins and gourds? Old wooden crates? Cotton? Burlap? Scare crows? Chickens/roosters? Casks, crates, boxes? Feed and seed bags? Here are some ideas.
Do you think "sweater weather"? How about using knitted items, winter scarves, afghans, balls of yarn in your Fall decorating.
Do you think of hunting? Animals? Birds? Look for deer, hedgehogs, squirrels, foxes, owls, pheasants, feathers, bird cages, moose, etc.
Maybe Fall means rainy weather, rubber boots, cold. How about using some rubber boots in your seasonal decor?
Maybe you see Fall as a time to cuddle up with a good book and a hot drink.
Or maybe you look forward to working on your crafting projects as the nights go dark early and the weather gets cold.
As you can see, there are lots of ideas out there. People are so creative and now we have the internet to share ideas. I really appreciate people sharing their creativity with the rest of us! I've put out my things, now I'm ready to put some Fall candy in the candy dishes, get some pumpkin spiced coffee and a good book. Happy Fall Y'all!!!


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"I have bad credit and need a personal loan in the US" is one of the personal loans Info Credit Free get in recently. Now, let us answer this question in this article. People should not worry so much about the problem in bad credit because there are more and more lenders providing personal loan for bad credit nowadays.
As all of you know, there are a lot of loans for poor credit score because there are more and more American have a poor/bad credit history. You are understood clearly about a lot of personal loans in the US in many articles before of us such as real loans for people with bad credit, private loans for bad credit, low-interest rate loans. Now, let's see: "I have bad credit and need a personal loan in the US?".
This post includes five parts, they are: Get the loan with bad credit in the Jora Credit, in the BadCreditLoan, in the PersonalLoan. Then we guide people to get the best bad credit loans in the US and how to improve credit score.
1. I have bad credit and need a personal loan in the Jora Credit
JoraCredit provides access to unsecured personal loans in all 10 states on the US APR variable on the Jora website ranging from 18% to 34%.
If you live in the United States and would like to receive a bad credit loan provided by Jora Credit, you must meet some of the following lender requirements:
- Be at least 18 years old (and at least 19 in Alabama)
- The customers have a regular source of income
- The customers have the email address
- Customers have an active checking account
The following 10 states which Jora Credit offers the personal loans for bad credit in:
- Alabama
- California
- Idaho
- Missouri
- New Mexico
- North Dakota
- Utah
- South Carolina
- Delaware
- Wisconsin.
Seven Steps to get Personal Loans with Bad Credit in Jora Credit Site?
- Step 1: Visit the website and fill in your full name and email address to get started.
- Step 2: Create a new account (choose the status of residence and date of birth)
- Step 3: Create a password and click to agree to the privacy disclosure.
- Step 4: Enter your address, driver's license number, and phone number
- Step 5: Fill in your bank account number, bank account number, and routing number.
- Step 6: Apply.
- Step 7: Click OK and Submit.
2. I have bad credit and need a personal loan in the BadCreditLoan
Some personal loans that this lender provide:
- Some pre-approved loans regardless of credit score
- Some loans are approved in advance without any margin requirement
- Easy loan application form.
- Online processing
- Approved almost immediately
- Te disbursed quickly
There are a number of steps to take out bad credit in BadCreditLoans:
- Step 1: Provide your address and driver's license number as well as your phone number
- Step 2: Tell the lender a bit about the loan they want
- Step 3: Provide the correct lender
3. I have bad credit and need a personal loan in the PersonalLoan
- Step 1: Enter your address, driver's license number, phone number as well as Social Security number by filling in the website.
- Step 2: Choose the loans that people want
- Step 3: Provide the website with accurate, up-to-date information that is needed to be considered for the loan.
Example of:
|12 months
|24 months
|36 months
4. How to choose the best places if I have bad credit and need a personal loan?
- Compare loan preferences
- Determine what type of borrower you are
- Understand how the exchange rate works
- Know how much money you can afford
- Excess rates and terms
5. How can I improve my credit score?
- Customers should use the calendar.
- Customers must pay on time.
- Customers need to view credit card balance.
- Customers need to remove credit card balance.
- Customers should leave the old loan on your report.
- Customers should not suggest risk.
Indeed, if readers have bad credit scores, you will find it hard to get the best personal loans at low-interest rates. Consequently, people need to improve their credit scores before accepting any loan. From the credit score improvement process we've outlined above, people can check their credit score through the Where can I check my credit score link.
However, if people want to get a personal loan now to solve a financial problem, you can get information from our previous article such as small loans for people with bad credit, personal loan for bad credit history, loans for people with very bad credit…
Hillary (Team Content) – Info Credit Free


text: Kristi Samaddar, MD, FAAP is a general pediatrician at Phoenix Children's Hospital (PCH) and works in the outpatient division. She graduated from Indiana University School of Medicine and completed her pediatric residency at the University of Michigan. She has been involved with AzAAP was a part of the continuing medical education and the obesity and food insecurity committees. She is currently an associate program director for the pediatric residency program at PCH with a special interest in quality improvement, safety, and advocacy. Within her group's practice, she has led several projects to improve care for patients with asthma, increased body mass index, and to pilot screening for adverse childhood experiences. For the pediatric residents, she teaches the quality improvement curriculum and is director of the advocacy track. She collaborates with a local elementary school as a frequent speaker for a parent group. She is fluent in Spanish. When not working, she enjoys running, hiking and traveling. She is grateful for the support of family including her husband, three children, and canine running partner.


text: The project team currently working on the Buckinbah Bridge Replacement have successfully completed a project millstone with the installation of the of the single lane unibridge. It was a huge effort by all involved with a special thanks to Universal Cranes. Congratulations to all involved and we look forward to seeing the finished product.


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Road Map to Health
A Meal Plan Proven to Lower Your Blood Pressure
How's your blood pressure? If you don't know – or if it is elevated – you may want to pay heed and take steps to ensure it falls into the proper range.
Health experts estimate high blood pressure affects more than a billion people— and that number is rising.
Hmmm, if only there was a diet to let you eat your way to healthier numbers and lessen your need for medications. Oh wait … there is. It's best-known as the DASH Diet – and we here at Meal Plan Map have a tasty variation we have branded the Hypertension-Friendly Plan.
Our Hypertension-Friendly Plan automatically populates your meal plan calendar with delicious recipes created by culinary experts and analyzed by registered dietitians. The meals are based on your personal goals and preferences. The end result is a lower weight and a better blood pressure.
According to Healthline.com: "The number of people with high blood pressure has doubled in the last 40 years — a serious health concern, as high blood pressure is linked to a higher risk of conditions such as heart disease, kidney failure and stroke."
The DASH diet was designed to reduce high blood pressure. Followers eat plenty of fruits, vegetables and lean proteins, while restricting their intake of red meat, salt, added sugars and fat. DASH is an acronym for Dietary Approaches to Stop Hypertension.
It's a proven way to lower blood pressure and reduce your risk of heart disease.
And, once again, this healthy eating plan sits atop U.S. News Best Diets Rankings.
Some scientists believe that one of the main reasons people with high blood pressure can benefit from a DASH-like diet is due to a reduction in salt intake.
In case you didn't know, blood pressure is recorded as two numbers:
Systolic blood pressure (the first number) – indicates how much pressure your blood is exerting against your artery walls when the heart beats.
Diastolic blood pressure (the second number) – indicates how much pressure your blood is exerting against your artery walls while the heart is resting between beats.
The five blood pressure ranges as recognized by the American Heart Association are:
Blood pressure numbers of less than 120/80 are considered within the normal range. If your results fall into this category, stick with heart-healthy habits like following a balanced diet and getting regular exercise.
Elevated blood pressure is when readings consistently range from 120-129 systolic and less than 80 diastolic. People with elevated blood pressure are likely to develop high blood pressure unless steps are taken to control the condition.
Hypertension Stage 1
Hypertension Stage 1 is when blood pressure consistently ranges from 130-139 systolic or 80-89 diastolic. At this stage of high blood pressure, doctors are likely to prescribe lifestyle changes and may consider adding blood pressure medication based on your risk of atherosclerotic cardiovascular disease, such as heart attack or stroke.
Hypertension Stage 2
Hypertension Stage 2 is when blood pressure consistently ranges at 140/90 or higher. At this stage of high blood pressure, doctors are likely to prescribe a combination of blood pressure medications and lifestyle changes.
Hypertensive crisis
This stage of high blood pressure requires medical attention. If your blood pressure readings suddenly exceed 180/120, wait five minutes and then test your blood pressure again. If your readings are still unusually high, contact your doctor immediately. You could be experiencing a hypertensive crisis.
**The AHA warns that if your blood pressure is higher than 180/120 and you are experiencing chest pain, shortness of breath, back pain, numbness/weakness, change in vision or difficulty speaking, do not wait to see if your pressure comes down on its own. Call 911.
A DASH-like diet actually offers a number of potential benefits, including weight loss. If you have high blood pressure, odds are you've been urged to lose weight.
Other potential benefits for following a DASH-like diet:
- Decreases cancer risk
- Lowers metabolic syndrome risk
- Lowers diabetes risk
- Decreases heart disease risk
ScienceDaily.com recently noted Americans are concerned about their weight, but don't quite understand its link to heart conditions.
"Most Americans understand abstractly that being overweight or obese is not good for your health, but it seems we are not grasping that the leading causes of death and disability – stroke, cancer, coronary artery disease – are all adversely affected by increased weight," said Steven Nissen, MD, chairman of Cardiovascular Medicine at Cleveland Clinic.
February is Heart Month. Check your blood pressure. If it's high, take steps to lower it. Our Hypertension-Friendly Plan can help.
John McGran has been writing about health and weight loss for several national companies since 2000. He brings his knowledge of diets — and his passion for dropping pounds — to Meal Plan Map because he believes it is the future of smart, stress-free eating and improved health.


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New Year's Eve Festivities
Experience an authentically Thai New Year's Eve in an exclusive and stylish destination with fireworks, live music, and delectable buffets.
Dining Detail
Enjoy New Year's Eve events around the resort. After spending the day by the pool, visit our award-winning spa to make your skin glow. Host the New Year's Eve party of a lifetime in our 3-bedroom villa with its own infinity pool. Celebrate the last sunset of the year at the iconic Air Bar with a champagne cocktail. At midnight, watch the fireworks from your clifftop lounge chair. Write your New Year's resolutions from your beachfront pool villa or clifftop residence in Samui.
More Information
For more information please call: +66 (0) 7742 9100 ext. 5503 now to enquire, or make a reservation with our dedicated staff at e-mail: email@example.com
Restaurants & Bars
Our restaurants and bars are served with the most incredible ocean views. Watch the papaya and rosé sunset as you indulge in beachfront seafood BBQs, authentic Thai food and themed buffets with elevated ocean views, coupled with masterfully mixed cocktails.


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text: 16 yrs ago we fell in love. 16 yrs ago I told a lie that ruined chances of living a life knowing your love. 15 yrs ago I told the truth betraying your trust, knowing you would never forgive. I know your hugs/smell/your laugh, our souls colliding, & hurt. My soul re-shatters daily as I relive my mistake. You knew me at my rawest vulnerable state & you protected that valiantly. I will be eternally tortured by my loss of you. For a moment I had a soulful passionate love. Scott know that I loved you truly. I will never find another. I can't un-love you. Always sorry & yours-LisaAnna