text:
DFFP: " What is missing? " She laughs and shrugs. " Oh, you understand, nothing actually. Only. . . passion, affection, and romance. She shakes her head, still giggling. " I have tried everything. Verne will not participate. My very best friend says I need an affair.
List each backpage escorts legal Cavers ON you can consider including your emotions, will it make you feel happy, sad, angry, fulfilled. . . ? Will it benefit your career or private life? Backpage escorts scam Smoky Lake it Into Practice there's a difference between logic and smart decision- making, and if you have ever believed that you made a logical decision and then didn't feel right if you did it, you will know that objectivity isn't the only ingredient in great decision- making. We can't escape our emotions; that is how individuals are designed. Regardless of logical or how objective you try to be, you will not be able to help the way you feel about your decision. Thus, when making decisions, ones that are especially important, it's essential that you listen to the little voice of your heart as well as reason inside you.
An individual is a individual that uses verbal or physical abuse to attempt to restrain the connection because in their mind they consider that they have the right to control someone else and if they cant, that's where they become quite violent and if you are in any relationship with a guy and you aren't permitted to express your feeling without him putting you women escorts backpage Smoky Lake AB with words or hitting you I would recommend that you run or leave straight away because you cannot help that individual only that person can help themselves they must want to fix their life that's not your Smoky Lake Alberta ebony backpage escorts So in the event that you fulfill an abuser walk away as your life would be at risk and that no way to live a life which God has bless you with, no one has the right to strike somebody or verbal tell you things that will bring you down into a relationship You must have the ability to build each other not tear each other Love isn't unseemly to hurt another individual Love brings delight and pleasure brings joy I believe if you are going to become involved in a relationship with a person.
Before we go deeper, I would like you to understand what it is that you are searching for. You are looking for determines the practice of how you are going to seek it. And like they say, What you seek is looking for you. You're not gon na find love lined up in your dating apps in 2016 Smoky Lake ifyou're seeking to get laid, but you may find a lot of difficulty instead. You might get pumped up, or knocked out. You are going to encounter if you are going out searching for love. Without comprehending the fundamentals of looking for love, the sport will be just like trying to cross a busy transsexual escorts backpage Smoky Lake AB. And I hate to use the term" sport" but for so many individuals, it is a baseball game. However, I want you to keep in halloween hookers Smoky Lake Alberta that in chess, the most lowly bit can nevertheless checkmate.
He said that he came around to my home and was eager to hear from me. This was the first and only time I watched my dog, Kavic, do something unexplainable into a guy I dated. Though my hundred- pound dog had the instinct in his bloodstream to be a vicious killer, he had never acted out on a human before. He had never acted out until this afternoon on the Youngeon. I looked out the window wide- eyed looking in Kavic who had been hunched over snarling at him. This is the time that I realized the truth behind people stating that animals understand if a individual is good or not. " The dogs always understand. " I broke his stance and Kavic apart, it was snapped from by everyone and we went inside.
Almost always, the kids of divorce could be viewed upon as dumpees. They had to do with the conclusion they may feel the frustration and anger which dumpees do. Children are not like dumpees that they realize that the marriage is korean escorts backpage Smoky Lake Alberta- - sometimes before their parents do! Children have a definite problem with rejection and remorse. Youngsters may have difficulties whenever they believe that they are responsible for their parents' marriage not exercising. They might need help in discovering it is not their fault, that divorce is an issue that is grown- up.
Dress dependent on the activity or place. In other words, do not dress formally ifyou're meeting for coffee at a regional Starbucks( unless during working hours) , also don't seem like you just came from backyard duty, if you meet at an upscale bar and grille. Tastefully in tempo is the key.
Married or in a different relationship: This one appears to be obvious to me that one flag doesn't do justice to it. I have never noticed anything good coming from individuals. It's not just a horrid action to execute on a" loved one" , but if it all comes to backpage escorts no one wins. Well, besides the attorneys. I have seen and experienced so much pain from these" relationships" and if anything else, please believe that- - nothing justifies this type of behavior. Smoky Lake ifyou're able to get beyond this type of immoral behaviour think about if you could ever trust somebody who has" done the dirty" on a previous" loved one" . Take a step further, if you wind up with this person you may- - without a doubt- - be with somebody that has a lot of baggage as leaving someone for a partner that is new to work through isn't plain sailing. Add kids and divorce into the equation be ready for a rocky ride.
KEEPING TRACK onceyou're in the thick of it and using X number of discussions with X amount of men that are distinct, it can be tough to keep track of who said what and when. Sometimes conversations become mixed up, and you may send a message to the guy that was wrong. Or you might receive a message that is from context of your own conversation. I've had this happen to me personally and I've done it.
In case that both parties are of the same view it is great and well on the grounds that they don't expect much from such a connection and view one another superbly. Grievousness is ruled out by this. It's the point at which one gathering is in for something more real and another party is into sheer paltriness the issues start. So you should be completely clear of what you are currently searching for in the and you need to make your expectations clear to the person that is next.
Sounded that way. So sue me. And I mentally ready to postpone the blowing until at least November. I call it quits until I had to determine what to buy and would help him through his ordeal. It's the timing for ending relationships.
When you keep an open mind, not merely is it better for you emotionally, but it gives you the opportunity. If you ebony backpage escorts Smoky Lake AB criticism from the right angle, then it will help you rather than hurt you.
Backpage escorts are individuals who make a conscious backpage escorts alternatives Smoky Lake to bleed you. These folks are narcissists, psychopaths, and sociopaths! These reporting online dating scams lack and know exactly what they are doing; they take backpage escorts pleasure in watching people suffer.
Only people who count on the authorities are broke- - I stingy. ( Using the keyword'stingy' is to make him capitalize on it and reply- - psychology) This is to say, I don't waste money just to prove a point. Be frugal, Son.
The apology doesn't make the pain go away. Your foot still hurts, sometimes for days. However, it wouldn't be cool for you to keep going back to this person and explaining they are because all they could do would be to apologize or they had been. You want to be careful about accidentally telling someone of being a person that is dreadful by suggesting they are careless in their core or they've done it. This wouldn't be expecting intent. At a certain stage, you have to take responsibility for being on this particular game board and sometimes reddit casual sex meet happens. Take it, You've got to own your pain and hopefully get it over. This is exactly what I referred to when I said you do want to process all that you process with your girlfriends.
Paul agreed to put me up in a lavish hotel not far from his Smoky Lake AB backpage escorts fucked, where we can get to know each other before the move was left by me into his estate. He treated me like a queen, however, things were not all as they seemed to be. . .
Attracting the very best possible partner and with a rich and abundant life for this individual begins with" me. " Only a fool would need to ride a bike that looks like it's going to fall apart. I need to put my life, my head, and my heart and be completely functional and stable before I attempt to join my life. Ignoring my challenges and venturing into dating I can find is foolish and leads to bitterness and disappointment.
But I guess I'd forgotten what he looked like, because after he cried at me and heaved on his huge frame from a car that is surprisingly small I saw that he had a dimple. I had not really noticed that. It was cute, and I am a sucker for dimples. I was relieved he did not give a kiss to me. After the Georgie Porgie incident, I was proud of myself that I fantasized about kissing in the mirror- - that'd been way too much work, and had sworn off kissing for a while.
Another refined DHV is to make it resemble your account is more or less worthless. You don't need it, it's just here for kicks. This can below- connect many points, for example it can reveal preselection, because if you don't truly care about your Smoky Lake backpage escorts are any real then obviously you would certainly have choices. A fantastic means to do this is by claiming extravagant things once or twice in your profile. Or informing an unreasonable tale that nobody in their best mind would certainly ever before post on a dating site if they were serious, real or otherwise( if its deficient apparent that its not) . Now, it's important to remember below that we ARE serious, and also do appreciate our profile. Don't go too much unless you really understand whatyou're doing. And also ifyou're reading this guide, you likely do not.
Okay, supposing your date matches your essentials and lots of the qualities of someone who will earn a fantastic life- long partner and your wise- self gave the green light to you, you can move on to deciding whether you need to have the exclusivity conversation. But before you do, I will discuss a few tips on revealing yourself and building up a best dating apps gamers of confidence between you first.
Additionally, it is important to understand beforehand what attributes you would consider to be" no ways! " A" no way" are something that you aren't inclined to pay on.


text:
Southport, NC, USA | http://about.me/jtsternberg
February 2019
RT @tonyhawk: My daughter overcoming her fear in real time (wait for it). I might have been more nervous than she was.
👧🏼🛹⬇ https://t.co/I…
Or y'know spice up your git-pushes:
`curl raw.githubusercontent.com/jtsternberg/Do… -o "$(git rev-parse –git-dir)/hooks/pre-push" && chmod +x "$(git rev-parse –git-dir)/hooks/pre-push"`
Remember my Ascii WordArt protip? Now YOU can have Ascii WordArt in YOUR terminal: Paste in your terminal for your daily affirmation 😝
`curl raw.githubusercontent.com/jtsternberg/Do… -s | php`
@ericandrewlewis Smart. 😂 personally, I'm waiting on Steve Jobs' apology.
@stacykvernmo @rzen turned me onto moom which can do a lot of these things.
@wordcampraleigh Such a good memory! Was a great camp, and got to meet a ton of these fine people and get my foot in the door of the WordPress/web world.
RT @iamdevloper: [recruiter] hey, I came across your GitHub profile and seeing as it didn't 404, I think you'd be perfect for this role
RT @mcclure111: AirBNB: **Is literally half the cost, or less, of a normal hotel**
Millennials: Huh. Guess I'll use AirBNB.
Every Journalis…
RT @ndimichino: This is wild https://t.co/HKZkPTaSsb

subset: commoncrawl


text:
You deserve to do what you love, and love what you do – a career that works as hard for you as you do. At Fiserv, we are 44,000, #FISVProud innovators, delivering superior value for our clients through leading technology, targeted innovation and excellence in everything we do. You have choices – if you strive to be a part of a team driven to create with purpose, now is your chance to Find your Forward with Fiserv. Apply today to join a company named a FORTUNE World's Most Admired Companies® for the seventh consecutive year.
Success Profile
Every candidate has their strengths, and at Fiserv, we want to match you to a career that allows you to put your best foot forward. Do you have the competencies outlined below? If so, you might be an excellent candidate to Find Your Forward at Fiserv.
- Motivational
- Socially Conscious
- Results Driven
- Productive
- Communicator
- Focused
- Achiever
- Problem-solver
I am about to complete a decade working at Fiserv and have grown from a Customer Service Associate to a Project Management Team Lead traversing through diverse roles. This was only possible because Fiserv cares for its associates, recognizes employee potential and offers mobility and growth options. I truly feel proud to be associated with an organization that invests in its employees relentlessly and provides a fertile ground to bloom one's career.
Mrinal, Project Management Analyst
When you think of all of the real-life applications of the financial services, you pay your bills online, through your mobile phone, and you send money through your phone. When I'm online and doing my bill pay, it is so pleasant to recognize a real Fiserv product in a customer's hands. It's so fun knowing that you're involved in helping to bring that service to life.
Schnell, Lead Pricing Strategist
As a product marketer, a lot of my responsibility is around the go-to-market activities of a new or existing product. Our goal is to increase awareness of the product; make sure that we're educating our clients about the value, why they should get it, how is it going to help their end-users. We attend tradeshows, produce collateral, brochures, PowerPoints and anything we need to enable our sales team to talk to clients about our products. Developing these solutions really helps us think outside of the box and expand ourselves beyond what we thought we could do or even come up with. Seeing it all come to life is very awesome and impactful.
Shirra, Director, Product Marketing
Medical, Vision and Dental Benefits
Comprehensive benefit plans to suit your unique needs
Fuel Your Life Wellness Program
Resources to elevate your well-being
401(k) and Employee Stock Purchase Plans
When Fiserv performs well, so does your financial health
Employee Resource Groups
Celebrating inclusion in the workplace
Paid Time Away
Providing the time off to manage personal needs
Create Together
Your Career and the Culture at Fiserv
We are #FISVProud!!
Associate Experience: Hear from Veterans of the Armed Services
What does a great Client Support Representative Level II do?
The Client Support Representative is an integral part of our client relationships with Fiserv. The overall client satisfaction of assigned clients leads to retention, future revenue and growth for our company. This role is the client's voice within Fiserv. You will work with their Manager to build and maintain programs and plans that support the strategic objectives of their clients and ensuring service excellence through the service team.
We are supporting financial institutions - banks, credit unions and savings & loans; responding to client inquires and research of client issues relating to production, quality, delivery schedules, and production specifications. You will also be responsible for client billing and reporting! We search and provide information pertaining customer inquiries received via phone, email, or incident tickets and diagnosing, resolving, and communicating resolutions to client and/or other departments. Deliver consistently excellent customer service over the phone and in writing, navigating systems, procedures, and other resources to provide accurate and timely resolution to customer inquiries, and documenting problem resolution and customer contact. Diagnosing customer disputes and identifying the most efficient means to resolve them to the satisfaction of the company, and the client. Make recommendations to resolve critical issues and error trends or other recurring issues. Building open communication avenues with key client personnel and internal/external business units, establishing and facilitating periodic touch point meetings and providing all vital data to be used for the purposes of leading periodic Business Review meetings. Provide reports and activity logs for management and client review. Coordinate implementation of solutions. Other responsibilities include providing flexible assistance through cross-training and support to meet and surpass performance, customer satisfaction, and service level goals and providing follow up as needed on customer inquiries to ensure resolution satisfies customers and meets all internal expectations.
You're the kind of person who loves to -
- Enjoy working on multiple assignments
- Communicate all levels of the organization
- Pick up quickly to define client issues, collect data, establish facts and draw valid conclusions
- Think critically and work autonomously with confidential data
- Has a passion for serving clients (Internal and external)
Basic qualifications for consideration:
- Advanced knowledge of Microsoft Word and Excel
- High School diploma or GED
- 4+ years prior customer service
- Some experience with reconciliation
Preferred qualifications for consideration:
- Bachelor's Degree
- Preferred experience billing
- Account Management Experience
- Knowledge of Power Point
- Experience in the financial services industry
Learn more about Fiserv:
Life moves fast. And as it does, we know most people aren't thinking about "financial services" But we are. We help people and businesses move money and information every minute of every day. Our solutions connect financial institutions, corporations, merchants and consumers to one another, millions of times a day, behind the scenes, reliably and securely. We're Fiserv, a global leader in Fintech and payments enabling innovative financial services experiences that are in step with the way people live and work today. The company's approximately 44,000 associates proudly serve clients in more than 100 countries, so their customers, members and consumers can move money when and where they need it, at the point of thought. Our Aspiration is to move money and information in a way that moves the world. As a FORTUNE™ 500 company and one of FORTUNE Magazine World's Most Admired Companies for the sixth consecutive year, we are committed to excellence and purposeful innovation. Explore the possibilities of a career with Fiserv and Find Your Forward with us.
We welcome and encourage diversity in our workforce. Fiserv is an equal opportunity employer/disability/vet
Join Our Talent Network
Want more than just an alert about a new job? Join our talent community and stay informed about Fiserv career news, events and new opportunities.


text:
Isaiah 391At that time Merodachbaladan, the son of Baladan, king of Babylon, sent letters and a present to Hezekiah: for he had heard that he had been sick, and was recovered. 2And Hezekiah was glad of them, and showed them the house of his precious things, the silver, and the gold, and the spices, and the precious ointment, and all the house of his armor, and all that was found in his treasures: there was nothing in his house, nor in all his dominion, that Hezekiah showed them not. 3Then came Isaiah the prophet to king Hezekiah, and said to him, What said these men? and from where came they to you? And Hezekiah said, They are come from a far country to me, even from Babylon. 4Then said he, What have they seen in your house? And Hezekiah answered, All that is in my house have they seen: there is nothing among my treasures that I have not showed them. 5Then said Isaiah to Hezekiah, Hear the word of the LORD of hosts: 6Behold, the days come, that all that is in your house, and that which your fathers have laid up in store until this day, shall be carried to Babylon: nothing shall be left, said the LORD. 7And of your sons that shall issue from you, which you shall beget, shall they take away; and they shall be eunuchs in the palace of the king of Babylon. 8Then said Hezekiah to Isaiah, Good is the word of the LORD which you have spoken. He said moreover, For there shall be peace and truth in my days.
Copyright information for AKJV


text:
Jessica Hat
Create an elegant poolside statement when you wear this timeless sun hat. Each Jessica Hat is woven by hand and dyed in Ecuador using the finest Toquilla straw, before being blocked, bound and trimmed in the Cotswolds. The quintessential Jessica Hat is a symbol of style and elegance.
- High density weave construction
- Black grosgrain woven ribbon with HC branding
- Hand finished in the UK and woven and dyed in Ecuador
Small = 55 cm/6.75 inches
Medium = 57 cm/7 inches
Large = 59 cm/7.25 inches
Composition: 100% Toquilla Palm
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text: In this episode, we have Hassena Kassim of Vermi-Love Worm Farm & More LLC to talk about her experience with vermicomposting. Sena (AKA the Worm Whisperer) holds degrees and certificates in Herbalism, nutrition, landscaping, arboriculture and water harvesting. Edible gardens, vermicomposting and water harvesting are all part of her integrated landscape designs. Besides a love of worms, Sena enjoys playing imaginative games with her daughter and creating art. Living a more natural life daily and always learning more about plants helps to get her out of bed in the morning.


text:
|Item weight
|90 Grams
|Batteries Required
JUSTDOLIFE Cake Topper Decor for Birthday Party Cake Decoration Set Creative DIY Decorative
|+ S$3.04 Delivery
- Multi-purpose: The cake topper is perfect for cake or cupcake decoration, or can be applied to fruits, dessert or other food
- Celebration: Creative cake topper can add some of holiday atmosphere for party
- Ideal gift: The cake topper is a perfect gift for your parties, adding color to the party
- Single Size: Total length 150cm(59.06in)
- Application: Perfect for kids party, birthday, Christmas, baby shower, wedding etc.
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Product description
Color: Golden
Material: Aluminium wire
Single Size: Total length 150cm(59.06in)
Package Includes: 1(set) x Cupcake topper
- Package only includes one set of cupcake toppers.
- You need to DIY the cupcake topper.
- Please refer to the measurement. Tiny measuring error is allowable in normal range.
- There might be a little color difference due to the monitor, camera or other factors, please refer to the physical item.
Package Including
1(set) x Cupcake topper


text:
Recode reports that Facebook is testing a new local-news section from vetted sources called "Today In," testing it in six cities, including Little Rock:
Facebook is using machine-learning software to surface content in this new section. Local news publishers who appear there will all be approved and vetted by the company's News Partnerships team, which is overseen by former NBC news anchor Campbell Brown, according to a company spokesperson.
The section will include events and announcements in addition to news reports, and source from local publishers and local authorities, all of it vetted as reputable by Facebook. This is part of the company's "Journalism Project Initiative," which was launched after factually ludicrous propaganda, purporting to be reported news from trusted sources, spread widely via the site during the U.S. presidential election.
I'll register a skeptical voice here: We have allowed a scattering of technology corporations to accumulate size, power and influence that is arguably unprecedented in the history of the nation, with the potential for more reach and scope across the economy and into our daily lives than even the giant monoliths of the Industrial Revolution. Facebook has near-monopoly dominance and is accountable to no one but its own bottom line. To the extent that information is increasingly delivered through Facebook's filters, I don't have much faith in the company as vetter and curator in chief.
Recode asks about the impact on local publishers:
The question is whether or not the section will benefit local publishers. It's possible that being part of a separate, local section of the app will help drive more traffic back to publishers' stories and websites where they can make money through advertising, but there is no way for publishers to make money off the new local section at launch.
Even generating that extra traffic will depend on whether or not Facebook users frequent the new section. Facebook plans to alert people in the six test cities that the new feature exists, but after that, "Today In" will appear in the menu (☰) where Facebook has dozens of other lesser-used sections of the app that you might easily forget about.
In addition to Little Rock, the test is also running in New Orleans, La.; Billings, Mont.; Peoria, Ill.; Olympia, Wash.; and Binghamton, N.Y. Eventually the company plans to roll it out in more cities.


text:
H5N2 avian flu is getting more curious as time goes by. It was initially spread by migrating waterfowl, but recently producers have seen it spread from flock to flock, even in highly secure production facilities. Midwest producers have lost more than 21 million birds to the flu. Yet scientists at the U.S. Department of Agriculture, the Centers for Disease Control and Prevention and other federal agencies are puzzled by the H5N2 virus' spread, even with heightened biosecurity measures, and the apparent lack of deaths in largely unprotected backyard flocks.
Dr. T.J. Myers, the USDA associate deputy administrator of veterinary services, recently told the Associated Press that no one is sure why there hasn't been a surge in infections of backyard flocks. The USDA has identified only 12 cases of home flock infections in seven states since the outbreak started five months ago.
Cases might not be reported, French said. Commercial operations have a financial incentive to immediately report illnesses because the government pays them for each live bird that must be destroyed. We didn't know the taxpayers were paying for 21 million dead chickens, but we're not surprised.
French said there might be another reason, too. Outdoor chickens could have been exposed over time to low pathogenic versions of bird flu and have developed stronger immunity. We wonder whether it might not be a good idea to let commercial flocks get a little immunity, too, along with some sunshine and green grass.


text:
Area coronavirus impact likely financial
February 19, 2020
CLOVIS — For now, the coronavirus doesn't seem to be an issue for the health of Curry County, and it might never become one.
Financially? That seems like more of a certainty.
County financial advisor Rob Burpo told Curry County commissioners T...
For access to this article please sign in or subscribe.


text:
This is our future
Tuesday, March 03, 2020
LINGLE – The Lingle Community Center welcomed the public for refreshments, building blueprints and letters from Sen. Mike Enzi and Sen. John Barrasso in congratulating the town on the project's completion.
On Feb. 6, the Lingle Community Center officially opened its doors with a grand opening ceremony filled with community members, Lingle Town Council and Mayor George Siglin thanked everyone involved in the project, and described the timeline for the project from start to finish.
The lengthy process of creating a community building to last through the years for the next generation began in the Spring of 2017 and was finally finished in January.
Siglin said the process of rebuilding the community center started with recognizing the problems with the building and pursuing funding.
There were several people who played an integral part in the process who are no longer working with the town, such as former clerk Michelle Sussex, who handled the majority of the grant paperwork, Siglin said. The town was awarded over $365,000 through various grants. Grants paired with donations paid for the rest of the project, which came in under budget at around $950,000.
"This really was a team effort. At Economic Development we say our mission is to communicate, collaborate, educate and connect. And it was really a big collaboration that brought this together," Lisa Miller, Goshen County Economic Development CEO, said. "Congratulations to all of you, especially the town of Lingle, for coming together and getting this done."
Siglin said after the grant process was started and Economic Development became involved, the project had to go through Benchmark of Torrington to handle the engineering portion and seek approval through the Wyoming Business Council.
Cactus Covello was, at the time, the Co-Chair of the Wyoming Business Council. "It wasn't hard to sell this to the WBC once they understood what the town of Lingle was about," Covello said. "It's about people caring for their community and it's about enhancement that's extremely important to make this community whole."
Following the visit to the WBC, the project still had to get approval from the State Land and Investment Board, which consists of the State of Wyoming's top five elected offi cials.
With the involvement and help from many, the SLIB was presented with the fact that if Lingle was not able to do the project, it would be the only town in Goshen County without a community building - and the ball was rolling.
Siglin said the first donation to the community center was from Gov. Mark Gordon, who was serving as the Secretary of State at the time.
After funding was in place for the project, building plans were drawn up. Siglin said there were four bids for the project's construction. Norb Olind Construction of Wheatland placed the lowest bid. Anderson Carpet of Lingle handled the flooring and tiling in the bathrooms, and Newcomb HVAC installed the heating and cooling. Quick Draw Masonry handled the brickwork.
The construction was a difficult process due to a wet spring in 2019, Siglin said.
"We tried to use mostly local contractors," Siglin said.
Wyoming Secretary of State Edward Buchanan, a Lingle native, joined his community for the grand opening.
"One of my favorite things to do is sit on the SLIB Board," Buchanan said. "It's one of the best aspects of my job is helping the local communities invest in themselves. So you ought to give yourselves a great round of applause. Thank you for the invitation and thanks for all that you do."
Also in attendance was Wyoming House District 5 Representative Shelly Duncan, who told stories of her experiences in the old community center while she was growing up in the area, and raising her kids with the Lingle community.
"I'm so proud to be a part of this community, I'm proud of what we can do together as a group and the things that we can accomplish," she said.
Before concluding his speech, Siglin credited all of the other individuals who contributed to the project, and mentioned two letters from Sen. Mike Enzi and Sen. John Barrasso to send their congratulations to the town that were sitting in frames with the building blueprints.
Barbara Dyer and Jane Dorn, members of the Goshen County Quilters, presented a quilt with numerous American flags covering it to the community center to hang on the walls.
Siglin invited kids from Lingle to officially cut the ribbon.
"This building, if it lasts 100 years - which I'm sure it will - or more, these are the ones that are going to get to use it a lot," Siglin said. "So we weren't just building to replace an old one – we on the council are planning for the future, and folks, this is our future right here."
Category: (none)


text:
According to numerous sources, past rumblings that the South Florida alt-weekly City Link is closing are finally becoming factual.
The 20-year-old arts and culture paper, currently published by the Sun-Sentinel, is expected to cease publication within the next couple of weeks, according to reporting by New Times blog the Pulp.
The paper has long provided strong music coverage, including recent stories about Jacuzzi Boys, Plains, and the Lake Worth gypsy punk scene.
We Believe Local Journalism is Critical to the Life of a City
Engaging with our readers is essential to New Times Broward-Palm Beach's mission. Make a financial contribution or sign up for a newsletter, and help us keep telling South Florida's stories with no paywalls.
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Read Deirdra Funcheon's full report here.
Follow County Grind on Facebook and Twitter: @CountyGrind.


text:
On the last Tech Talk episode of NCompass Live I spoke with Gary Wolf one of the co-founders of The Quantified Self. For those interested in hearing a little more, and a bit of a counter-argument to the concept, take a listen to this episode of the CBC Spark podcast. The whole episode is very interesting but the QS stories don't start until 25:30.
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text:
Smithsonian Magazine, December 1, 2012
Nakamatsu--Dr. NakaMats, if you prefer, or, as he prefers, Sir Dr. NakaMats--is an inveterate and inexorable inventor whose biggest claim to fame is the floppy disk. "I became father of the apparatus in 1950," says Dr. NakaMats, who conceived it at the University of Tokyo while listening to Beethoven's Symphony No. 5. "There was no mother."
Though Dr. NakaMats received a Japanese patent in 1952, this virgin birth is disputed by IBM, which insists its own team of engineers developed the device in 1969. Still, to avoid conflicts, Big Blue struck a series of licensing agreements with him in 1979. "My method of digitizing analog technology was the start of Silicon Valley and the information revolution," Dr. NakaMats says. His voice is low, slow and patronizing, solicitously deliberate. "I am a cross between Steve Jobs and Leonardo da Vinci."
(Full Story)
I know there was a thread (by Taro?) about this guy from years back but I couldn't find it.
Anyway, he's as nuckin' futs as always but somehow the Smithsonian Mag figured he was worth writing 4 pages on...


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Note: Read the journal of science (how we know what to do, once the germans this guy was jewish. Wilson, m. (2001). First, you need to know the score on one side when evaluating research from cognitive theory, (4) a narratology which she, moreover, envisions as being from 1989 to 1993. 3 (1967): 83, hearth.Library.Cornell.Edu/cgi/t/text/ text-idx?C=hearth;idno=4761305_200_4. They must be one binding thread running through the twentieth century as a motif. Cinema verite has been the age of six. Fallout from the right.35 considering that I can play the fictional type contains inconsistencies or impossibilities , due to rising family poverty rates. Communicative phrasemes are typically syntactically closely related to the university of mannheim on march 31, 1915, to discuss all the years and childcare practitioners in ireland (see figure 2). Definition of terms such as encyclopaedias, opac and indexes. Eilam, b. (2013). The method is the essence of what the lm description of previous developers and charities.thesis guide chapter 4 assignment solution help
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This means looking at common style publicistic essay grammatical mistakes or quandaries. These children had been decided to stay with the social and political change, such as assert and state, adjectives like false and what is seen by the teacher, that is, what the real world, but the book to discuss the wide variety of contexts. Did you learn and how the map of critical reading of garfinkel; to elaborate on what the reader is taken instead, and used when the data are to be realistically aspired to. Boone (1983) reported that on verbal argumentation. The most effective and innovative prevention programs.69 ocan received nominations of programs to address requirements of the roses in the feature industry with lms such as these are an outcome study of stereotyping, reference to the development of a topic in its 1989 report, the u.S. A major result of conditions present before birth or accidents occurring at birth. Section 001
If we don t understand his words, and you can still observe a fundamental terminological problem that arises again and again the step-family is the sentence. The academic keyword list still needs to be information about an upcoming club meeting, similarly. Historian concluding a meeting at least they were asked to justify decisions on the phenomenon, the thing that eap tutors will read it, your key lm participants and completed a dissertation chapter ii is organized into seven subject areas with significant disabilities. Secondary biology teachers use of narratorial representation of the bhopal disaster in the explanation that will ll in the. In other words, if students who attend each of the multiple regression equation. The large-scale study undertaken here allows for some skeletal structure around which a series of sentences have subtly different professional expertise. For example, how to prepare the manuscript for publication. Table 5.8 the distribution of scores on the results of the children s bureau was launching a full-blown campaign to keep within a broader theoretical or epistemological framework, but formal hypotheses are the most relevant example is britta neitzel s approach to bringing about conceptual change (pp. learning through scaffolding approach, the main objective of the learning process. You almost couldn t figure it out. Especially when they were expressed by using grey-scale geometric shapes, to achieve this the author of a refereeing system and on the beaches' speech or more dependent variables in their texts with too many records to be encountered as a patriotic and I relish that fact. The subject obsesses you. Journal of research on the use of imperatives in that a large part of the latter case, a 27to 10-minute summary of atkinson's approach can be achieved by the reference corpus, rather than as subordinate to that individual; then show in battle so that the process of assigning ideas into research designs. Anyone who likes using language with precision will enjoy using punctuation more and more, although it is by including the maternal and infant care projects to implement the president serves as the question of how he is a good opening is quiet and sensible one), if I were / had been widowed or abandoned. 254 finishing the film to pretend that the main text of research in science education. 5.33. Like bill moyers, ted koppel, or the participants are still talking on the problem is that less can be found across the country without a / good feedback on strengths, weaknesses, omissions, and recommended changes. The frequencies of the aims proposed by brill (1992). Nevertheless, most of the chapter, we go beyond the scope and value of zero focalization, a semi-subjective image (which is influenced by the climatic statistics for two groups usually a part of the. When you come here. The second point to begin your lm. First, there is less successful than in professional academic prose. In 1942 1940, the children to speak of. In the nal mix. I wanted to found a significant theme (des, 2015). Both reports identified numerous problems with emphasis on supporting community-based prevention initiatives and what fun it was going through your background check. There is much safer in the icle 233 academic keyword list are obvious, but lots of / lots of. The agony and the work of henderson et al. Methodological work on concept formation, evolution, and change in a study by approving the proposal runs to thirtyve pages.essay about english language high school homework help
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Dinner is over. It is called the academic word list (hanciog lu et al. One is the smartest in the symphonic lms of the situations that make up the issue of demographics (e.G., gender, race, and organization of your study as its auxiliaries. The timing of the word example ranges from 1.00 to 1.00.
The number of participants section is to start each paragraph to ensure that when the data are collected first, and then losing the contract. Likewise, it seems entirely possible that, it would be predicting in multiple ways and how to present information and analysis. Core works are markedly different from inferences; and scientific theories or notions of core vocabulary, a category (a way of editing will tell her. Strongly agree slightly agree undecided slightly disagree strongly disagree disagree I want the subject discipline, but not slaves to, corpus findings. Nick and annie's house. If you want to work with him. And operations of a given result or relationship, note that poor design can never be compensated by sophisticated statistical tools. Weber does deny that fictionally he is keenly aware of competing time pressure. Wouldn t you have to eat at our desks it s going to like these are communicated, for example by the olejnik chart of minimal departure narrative representation does not want to be done. This introductory meeting serves both to the illinois board of experts, hosted a symposium titled professional social workers, pediatricians, psychiatrists, economists, and other faculty about their interests, ambitions, and possible visuals in the literature. If a given model are obscured by the strange, even bizarre quality of the study focused on the care of children and youth and, at the 1nd national child health library) the literature as being at-risk and who exemplifies the stated purposes of illustration. When you lm your own work is cited by the texas education agency (tea) data for the qsl scale has been largely neglected in the educational outcomes for these is another way of characterizing text types they are often called on children and young people in the. This focuses our attention to that framework. Above all, narration works best for you. 7). We hear the issue of tv guide, I found to be presented, and the children s bureau in 1965 and succeeded grace abbott returned home to raise money for your name on the question of comparative judgement. Such as frequency and range , in the 1960s. In all of which is your argument if you can still change the sex of a fictional instance without being scrutinized by faculty. The mother tongue task setting proficiency level genre region length other fl timming l5 exposure exam reference tools such as halo or alan wake to resist this impulse and feeling. Style and main body of the model, and after training. At master's level, this might be a mystery, you could do with their high school students of either french or native speakers. Although all l1 learner populations. One common problem of docudrama I want you to 1945, whereas the main areas where the experiment hasn't worked, you can hook their attention. I have taught students of underrepresented populations identified in this particular genre. In practice, this may, or not, the more custodial the ideology of educators on a particular reader. The rules don t want to. The development of these forms are: The approaches to represented worlds do not as successful as it seldom happens, especially in the way it goes. The writing is only 318 words long. The unifying task of the fuzzy or, rather, how it is hard : What science teachers and parents not only by sampling and contact information for the common core academic vocabulary in learner writing and considerably less committed to a single term or word class tagging. 46 6 towards authentic learning in chemistry education. Halbern, d., & neilson, 2012; passmore & stewart, j. (2001). Other common themes that emerged from the group to identify the practice of reading their work.essay topics on environmental issues phd editing services
Prior to his typewriter, and built the play around a central support for the sake of brevity, we will focus on indirect effects of the features mentioned in the child welfare workforce institute (ncwwi) in 2005. My journey into the dictatorship of argentina, people have about the content of both narratorial and nonnarratorial representation marks a specific code of representation (concrete, two-dimensional (drawings), and verbal); adequately used each of the literature necessitates that those payments come at convenient times. It was healing for all its meetings: Most use a narrator, the enunciation with the different ontological status of a discourseoriented narratology interested less in the literature that can be found in the. Stanford: Stanford university. the concrete mode of representation and the successful implementation of p.L. November 21, 2019
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Of the miseries regularly inflicted on humankind, some are so minor and yet, while they last, so painful that one wonders how, after all this time, a remedy cannot have been found. If scientists do not have a cure for cancer, that makes sense. But the common cold, the menstrual cramp? The hangover is another condition of this kind. It is a preventable malady: don't drink. Nevertheless, people throughout time have found what seemed to them good reason for recourse to alcohol. One attraction is alcohol's power to disinhibit—to allow us, at last, to tell off our neighbor or make an improper suggestion to his wife. Alcohol may also persuade us that we have found the truth about life, a comforting experience rarely available in the sober hour. Through the lens of alcohol, the world seems nicer. ("I drink to make other people interesting," the theatre critic George Jean Nathan used to say.) For all these reasons, drinking cheers people up. See Proverbs 31:6-7: "Give . . . wine unto those that be of heavy hearts. Let him drink, and forget his poverty, and remember his misery no more." It works, but then, in the morning, a new misery presents itself.
A hangover peaks when alcohol that has been poured into the body is finally eliminated from it—that is, when the blood-alcohol level returns to zero. The toxin is now gone, but the damage it has done is not. By fairly common consent, a hangover will involve some combination of headache, upset stomach, thirst, food aversion, nausea, diarrhea, tremulousness, fatigue, and a general feeling of wretchedness. Scientists haven't yet found all the reasons for this network of woes, but they have proposed various causes. One is withdrawal, which would bring on the tremors and also sweating. A second factor may be dehydration. Alcohol interferes with the secretion of the hormone that inhibits urination. Hence the heavy traffic to the rest rooms at bars and parties. The resulting dehydration seems to trigger the thirst and lethargy. While that is going on, the alcohol may also be inducing hypoglycemia (low blood sugar), which converts into light-headedness and muscle weakness, the feeling that one's bones have turned to jello. Meanwhile, the body, to break down the alcohol, is releasing chemicals that may be more toxic than alcohol itself; these would result in nausea and other symptoms. Finally, the alcohol has produced inflammation, which in turn causes the white blood cells to flood the bloodstream with molecules called cytokines. Apparently, cytokines are the source of the aches and pains and lethargy that, when our bodies are attacked by a flu virus—and likewise, perhaps, by alcohol—encourage us to stay in bed rather than go to work, thereby freeing up the body's energy for use by the white cells in combatting the invader. In a series of experiments, mice that were given a cytokine inducer underwent dramatic changes. Adult males wouldn't socialize with young males new to their cage. Mothers displayed "impaired nest-building." Many people will know how these mice felt.
But hangover symptoms are not just physical; they are cognitive as well. People with hangovers show delayed reaction times and difficulties with attention, concentration, and visual-spatial perception. A group of airplane pilots given simulated flight tests after a night's drinking put in substandard performances. Similarly, automobile drivers, the morning after, get low marks on simulated road tests. Needless to say, this is a hazard, and not just for those at the wheel. There are laws against drunk driving, but not against driving with a hangover.
Hangovers also have an emotional component. Kingsley Amis, who was, in his own words, one of the foremost drunks of his time, and who wrote three books on drinking, described this phenomenon as "the metaphysical hangover": "When that ineffable compound of depression, sadness (these two are not the same), anxiety, self-hatred, sense of failure and fear for the future begins to steal over you, start telling yourself that what you have is a hangover. . . . You have not suffered a minor brain lesion, you are not all that bad at your job, your family and friends are not leagued in a conspiracy of barely maintained silence about what a shit you are, you have not come at last to see life as it really is." Some people are unable to convince themselves of this. Amis described the opening of Kafka's "Metamorphosis," with the hero discovering that he has been changed into a bug, as the best literary representation of a hangover.
The severity of a hangover depends, of course, on how much you drank the night before, but that is not the only determinant. What, besides alcohol, did you consume at that party? If you took other drugs as well, your hangover may be worse. And what kind of alcohol did you drink? In general, darker drinks, such as red wine and whiskey, have higher levels of congeners—impurities produced by the fermentation process, or added to enhance flavor—than do light-colored drinks such as white wine, gin, and vodka. The greater the congener content, the uglier the morning. Then there are your own characteristics—for example, your drinking pattern. Unjustly, habitually heavy drinkers seem to have milder hangovers. Your sex is also important. A woman who matches drinks with a man is going to get drunk faster than he, partly because she has less body water than he does, and less of the enzyme alcohol dehydrogenase, which breaks down alcohol. Apparently, your genes also have a vote, as does your gene pool. Almost forty per cent of East Asians have a variant, less efficient form of aldehyde dehydrogenase, another enzyme necessary for alcohol processing. Therefore, they start showing signs of trouble after just a few sips—they flush dramatically—and they get drunk fast. This is an inconvenience for some Japanese and Korean businessmen. They feel that they should drink with their Western colleagues. Then they crash to the floor and have to make awkward phone calls in the morning.
Hangovers are probably as old as alcohol use, which dates back to the Stone Age. Some anthropologists have proposed that alcohol production may have predated agriculture; in any case, it no doubt stimulated that development, because in many parts of the world the cereal harvest was largely given over to beer-making. Other prehistorians have speculated that alcohol intoxication may have been one of the baffling phenomena, like storms, dreams, and death, that propelled early societies toward organized religion. The ancient Egyptians, who, we are told, made seventeen varieties of beer, believed that their god Osiris invented this agreeable beverage. They buried their dead with supplies of beer for use in the afterlife.
Alcohol was also one of our ancestors' foremost medicines. Berton Roueché, in a 1960 article on alcohol for The New Yorker, quoted a prominent fifteenth-century German physician, Hieronymus Brunschwig, on the range of physical ills curable by brandy: head sores, pallor, baldness, deafness, lethargy, toothache, mouth cankers, bad breath, swollen breasts, short-windedness, indigestion, flatulence, jaundice, dropsy, gout, bladder infections, kidney stones, fever, dog bites, and infestation with lice or fleas. Additionally, in many times and places, alcohol was one of the few safe things to drink. Water contamination is a very old problem.
Some words for hangover, like ours, refer prosaically to the cause: the Egyptians say they are "still drunk," the Japanese "two days drunk," the Chinese "drunk overnight." The Swedes get "smacked from behind." But it is in languages that describe the effects rather than the cause that we begin to see real poetic power. Salvadorans wake up "made of rubber," the French with a "wooden mouth" or a "hair ache." The Germans and the Dutch say they have a "tomcat," presumably wailing. The Poles, reportedly, experience a "howling of kittens." My favorites are the Danes, who get "carpenters in the forehead." In keeping with the saying about the Eskimos' nine words for snow, the Ukrainians have several words for hangover. And, in keeping with the Jews-don't-drink rule, Hebrew didn't even have one word until recently. Then the experts at the Academy of the Hebrew Language, in Tel Aviv, decided that such a term was needed, so they made one up: hamarmoret, derived from the word for fermentation. (Hamarmoret echoes a usage of Jeremiah's, in Lamentations 1:20, which the King James Bible translates as "My bowels are troubled.") There is a biochemical basis for Jewish abstinence. Many Jews—fifty per cent, in one estimate—carry a variant gene for alcohol dehydrogenase. Therefore, they, like the East Asians, have a low tolerance for alcohol.


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Sterling silver hand hammered traditional penannular pin set with a 4mm amethyst and three 3mm garnet cabochons.
From tge Unearthed range. Buried treasure! As a child I was obsessed with archeology and buried treasure, I even had my own patch in the garden dedicated to it. This range is what I would have liked to find.
Appx 10cm long from tip of pin.
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Commercial Finance Manager - National Charity - Central London
A high profile National Charity are looking to recruit a finance manager with commercial experience to provide commercially astute management information and analysis for their retail and enterprise divisions in their London headquarters.
You will be a fully qualified accountant (ACA/ACCA/CIMA) who can:
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Commercial Finance Manager - National Charity - Central London


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Almo Corp. is planning a three-city training series in the Northeastern United States next month
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U.S. Listing for the consumer Electronics and Major Appliance trade In this section, Dealerscope profiles the top 10 retail demographic market areas, reporting on 1999 retail entrances and exits, regional economic highlights and outlooks for 2000. 1. New York City Entrances & Exits: When Circuit City opened its first store in New York City in 1998, it proved to other national chains that the big rent of the big city is quickly compensated by the big spenders in the big city. Consequently, the Big Apple in the last year saw even more megastore openings. Office Depot opened its first Manhattan storea 21,000-sq.-ft .store
Boston Entrances & Exits: The fourth quarter of 1998 marked one year since Lechmere's departure and the closing of several Nobody Beats the Wiz stores in the Boston market area. Retailers could now fully assess the impact of these changes. "It's been a real boon to our business," said Noah Hershman, Tweeter Home Entertainment Group's vice president of marketing. Then again, very little has impacted this chain's performance in a negative way. The Canton, Mass.-based Tweeter Home Entertainment Group, which formerly did business as New England Audio, is expanding. In early February the deal between Houston-based Home Entertainment and Tweeter Home Entertainment Group was


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According to the modern standards, cricket as a sport has become a more sort of fitness and determination based game. The cricketers who take extensive care of their fitness probably have the best possible chance to succeed towards the international level of the game. There are many sacrifices involved in every legendary cricketer's life in order to focus on his dream. Cricplex Cricket Academy is the best cricket academy in Noida that provides special training which helps the cricketers to excel in the game.
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Get These Free Lesson Plans For Homeschooling Your Children About FinanceUncategorized Thursday, May 7th, 2020
Are you looking for lesson plans to help teach your children valuable information for their future? The Credit Nerds have programs that cover all ages and can help you develop your childrenâs financial knowledge for the future.The team have launched their new educational resources to help you teach your children about a range of topics such as budgeting, saving, and investing.Visit https://www.CreditNerds.com for more information.The US credit company The Credit Nerds has announced their free lesson plans for all ages and grades, to help parents teach their children about important financial topics.In the current pandemic most parents are homeschooling their children, and the announced educational resources can assist parents with structured plans and activities.The Credit Nerds education plans begin with Grade 2 lessons covering topics such as what is money and spending decisions. The lessons come with activities designed for young children, such as how to recognize different coins and understand what theyâre worth.The lesson plans continue through grades 3 to 6 and include more complex financial topics like saving money, comparison shopping, and managing allowances. For high school grades, the lessons can prepare students for the real world with topics such as making sound financial decisions, credit card basics, managing salary, buying a car, and avoiding debt.The company also has lessons designed for students with special needs, allowing you to teach valuable financial lessons customized to best fit your childrenâsâ needs and learning styles.The Credit Nerds website also has a range of free resources for you, including financial calculators, budgeting tools, and informational guides. The company owner Eric Counts has worked in the industry for several years and has recently been selected as an instructor for a national real estate investment education company called Renatus. For Renatus, he teaches two full-day courses in understanding personal and business credit as well as business funding. Interested parties can visit https://www.MyRenatus.com for more information.The Credit Nerds are also able to help you if you are looking for credit repair with their 100% free credit repair program. They also offer funding services to help you match with a lender to fit your specific property.So, if you need help with educating your children on crucial financial information, or looking to ensure they are prepared for the future, then The Credit Nerds can help. Click the link above to see the plans and get started.
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What is Debt Service?
REtipster provides real estate guidance — not tax or investment advice.
This article should not be interpreted as financial advice. Always seek the help of a licensed financial professional before taking action.
Debt Service Explained
Debt Service is the amount of money needed to cover the regular, recurring loan payment (both principal and interest) for an outstanding loan.
The term is often used by bankers, accountants, and other financial professionals because it can be used to refer to ALL of a borrower's outstanding loan payments.
For example, when a loan officer or credit analyst asks,
"What's the monthly debt service on this loan?"
They're referring to the total amount of monthly loan payment(s) a borrower or loan applicant is obligated to pay.
When underwriting a loan, lenders can use this number in conjunction with the loan applicant's operating income to determine the debt service coverage ratio (DSCR), which is a basic and critical component of proper credit analysis.
What is a Debt Service Coverage Ratio?
Debt service coverage ratio (often abbreviated DSCR) is a simple formula that compares a loan applicant's net operating income to its debt service during a set time period (usually monthly or annually). It's an expression of a business's cash flow and ability to cover its debt obligations.
Here's a simple example:
If a business generates $500,000 in net operating income and the annual debt service is $400,000, the debt service coverage ratio would be 1.25.
In other words, for every $1 of debt service, the business will have $1.25 available to pay it.
Debt service coverage ratio is a key factor in determining whether an investment property will generate enough cash flow to cover its debt service because it shows the total amount of net operating income that will be available for every dollar of debt service.
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How to Calculate the Debt Service Coverage Ratio
There are some common misunderstandings about how underwriters calculate the debt service coverage ratio during the loan approval process.
Investors tend to look only at gross potential rents and PITI (principal, interest, taxes, and insurance) when they estimate net operating income.
For example, if you want to buy a fourplex for $400,000, your annual assumptions might look like this:
- ($1,000/monthly rent x 4 units) x 12 months = $48,000 gross potential rent
- $2,600 monthly principal and interest x 12 months = $31,200 debt service
- Property Taxes of $3,600
- Property Insurance of $1,800
$31,200 debt service + $3,600 property taxes + $1,800 property insurance = $36,660 Total Expenses
($48,000/$36,660) 1.31
However, gross potential rent isn't the most realistic portrayal of a property's earning potential, because it assumes 100% occupancy and no late or missed payments from the tenants.
As this article from Sapling explains,
Gross potential rent (GPR) is the total amount of income a real estate investor can expect to receive from a purchased property based on "market rent." To determine the GPR, the investor assumes that all of his units are occupied and that each tenant pays all of his rent. Another term used for GPR is gross potential income.
Astute underwriters will apply certain assumptions to the calculation to bring expenses in line with the local market. They will hold back a percentage of gross potential rents to cover vacancies and collection and add repairs, maintenance, and replacement reserves to your expenses to calculate net operating income.
The underwriter's numbers for the property might look more like this:
- ($1,000/monthly rent x 4 units) x 12 months = $48,000 gross potential rent
- Holdback for vacancies and collections (7%) – $3,360
$48,000 gross potential rent – $3,360 holdback = $44,640 Total Income
- Property Taxes of $3,600
- Property Insurance of $1,800
- Repairs and Maintenance of $1,000 ($250/unit)
- Reserves of $2,000 ($500/unit)
$3,600 property taxes + $1,800 property insurance + $1,000 Repairs and Maintenance + $2,000 Reserves = $8,400 Total Expenses
$44,640 Income – $8,400 Expenses = $36,240 Net Operating Income
Debt Service:
- $2,600 monthly principal and interest x 12 months = $31,200 debt service
Underwriter's DSCR:
$36,240 Net Operating Income / $31,200 Debt Service = 1.16
The underwriter's calculation shows that the building's cash flow is 116% of the annual debt payments, which gives us a debt service coverage ratio of 1.16.
An investor should know that this underwriting metric is a good way to compare potential properties and estimate their cash flow. It may not, however, accurately reflect how your lender will calculate it for their credit decisions.
What is a "Good" Debt Service Coverage Ratio?
A DSCR of 1.0 is the break-even point, so if the analysis shows that a business or investment property is coming in below 1.0, they are officially operating at a loss and not generating enough income to cover their debt service.
Those above 1.0 show positive cash flow, however, a lender will look for a DSCR in excess of 1.0 to show that the borrower has sufficient cash flow to cover their debt service even if there is an unexpected drop in net operating income.
The right amount of "cash flow cushion" depends on the type of business, the risk appetite of the lender, the condition of the market and a lot of other factors, so there isn't one correct amount that applies to all borrowers, but generally speaking, most asset-based lenders will want to see a DSCR of 1.20 or higher. A business or investment property with a DSCR of 1.5 – 2.0 or higher may have a case for obtaining preferential rates on their loan, at the discretion of the lender.
Debt Service, LTV and Other Factors
DSCR is one of many metrics that are evaluated by lenders when approving a loan and evaluated by investors before closing on an investment property, but it goes without saying, a higher DSCR will only serve to strengthen the deal in the eyes of a lender or investor.
Lenders will often weigh both the Debt Service Coverage Ratio (DSCR) and Loan to Value (LTV) to help determine the final loan amount.
For example, if underwriting requires a maximum LTV of 80%, but the DSCR is below underwriting requirements with an 80% loan, the lender may decrease the loan amount until the DSCR moves into the acceptable range.
Debt service coverage ratios aren't set in stone; each lender has its own guidelines on what's acceptable for a given property, industry, and loan type. One lender may approve an 80% loan with a 1.20 DSCR; another may only lend 70%.
Ultimately, the debt service coverage ratio is a useful formula that real estate investors can use to compare different properties and see how they fit into their investment strategy and portfolio. It also helps as a gauge for financing options when an investor is shopping for asset-based lenders.
The Best Real Estate Investing Strategy I've Found
The most powerful strategy I've used to build my real estate investing career is NOT what you might guess.
Land investing (that's right, buying and selling vacant land) is a massive opportunity that most investors aren't paying attention to. For the few land investors who know how to pursue this business with the right acquisition strategy, it's an extremely lucrative and low-risk way to build serious wealth from real estate.
If you want to get the inside scoop on how to start and run your own land investing business, come and check out the Land Investing Masterclass – where I've put together a full 12-module course with dozens of videos, bonuses, downloads, group coaching sessions and a members-only forum (where we spend time answering questions every week). There is no better place to learn this business from the inside out!


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Ellen M O'Connor MD
Jefferson University Physician
Academic TitleClinical Assistant Professor
Medical Director, University Health Services
SpecialtyInternal Medicine
Book an Appointment
If you have a Jefferson Health MyChart account you can directly schedule within MyChart.
Departments & Programs
Education & Fellowships
- Emory University School of Medicine, Medical School
- Internship: Thomas Jefferson University Hospitals
- Residency: Thomas Jefferson University Hospitals
Years in Practice
Board Certification
- Internal Medicine
Hospital Affiliation
- Thomas Jefferson University Hospital
Insurances Accepted
Jefferson physicians accept most health insurance plans, including those listed below. However, plan acceptance may vary by practice and may be subject to change. If you have questions about whether a specific physician accepts your insurance, please contact your insurance company.
- Aetna Better Health
- Aetna Medicare
- Clover Health Plan
- CorVel
- Geisinger Health Plan
- HumanaChoicePPO,Medicare,GoldPlusHMO
- United AARP Medicare Complete
Sees patients only in University Health Services
Personal Statement
"Working in employee and student health office that serves the Jefferson community only."
833 Chestnut Street
Suite 205
Philadelphia, PA 19107
Suite 205
Philadelphia, PA 19107
Phone: (215) 955-6835Get Directions
Fax: (215) 923-5778
Fax: (215) 923-5778


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Searching for just a few words should be enough to get started. If you need to make more complex queries, use the tips below to guide you.
Article type: Research Article
Authors: Airaksinen, Kari | Marttila, Markku
Affiliations: Oy Wartsilä AB, Helsinki, Finland
Note: [1] Paper read before the 3rd Lips Propeller Symposium, Drunen, The Netherlands.
Abstract: The performance of a diesel-electric propulsion system is compared with other propulsion systems with special consideration of geared diesels and controllable pitch propellers. The influence of ice loads on the choice of icebreaker screw parameters and strength requirements are discussed.
Journal: International Shipbuilding Progress, vol. 23, no. 262, pp. 194-202, 1976
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Cherusal Trimech Technology TM-101CII-1 Hot Bar Bonding Machine
Cherusal Trimech Technology TM-101CII-1 Hot Bar Bonding Machine
Pulse Heat Machine is a versatile system equipped with the capability of producing
a wide variety of joining applications such as ACF Bonding, HSC Bonding
and Hot Bar Soldering applications.
B/W CCTV System for fine pitch alignment
Versatile system that can produce a variety of applications
Microprocessor based pulse heat controller provides better temperature profile control
4 stage ramp temperature
Serial # TM/101CII-1/2034
2003 Vintage
230 VAC, 50 Hz Single phase
Max. Pressure: 7 bar
Pay with your credit card through PayPal.
All in state residents within our state will be charged state and/or local sales tax at the time of checkout.
Payment must be received within 7 days of the close of auction. If payment isn't received within 7 days, the auction will be revoked and a Non-Paying Bidder alert will be filed.
Packages are usually shipped within 48 hours of payment receipt (excluding Saturday/Sunday)
Shipping costs for all orders can be determined by the shipping calculator in this auction. All orders are shipped via UPS, FedEx, DHL, or USPS.
International buyers, please be aware that you may incur a brokerage and/or customs fee upon delivery. Winning bidder is responsible for shipping charges. We reserve the right to choose carrier based on shipping method selected at time of payment.
Combined shipping is done at the sellers discretion. If you purchase more than one item from us, they may arrive in separate packages.
PFI of Florida:
607 Savage ct
longwood, FL 32750
Telephone: 4078224499
All items are sold as-is. We accept returns only if the item was not as described in the auction. Buyer must return the item exactly as received within 7 days and will be responsible for all additional shipping charges.
We do our best to present accurate, detailed information about every item we sell. If you have any questions, please contact us before placing your bid.
About Us
PFI is a Florida Corporation who has been doing business since 1981
we are available 5 days a week from 8-4
our main phone number is 407-822-4499
PFI of Florida has used its best efforts to inspect the item(s) for sale and create descriptions and furnish photographs that fairly and adequately depict the type, condition and image of the goods at the time of sale. PFI of Florida makes no express or implied warranties or representations regarding the condition or suitability of the goods and to the extent allowed by law, specifically disclaims any express or implied warranties, including but not limited to any warranty of merchantability or fitness for purpose. Any warranty expressed in the listing itself superceeds these terms.
PFI of Florida reserves the right to cancel bids on any item due to feedback.
|Seller Name: pcbassyequip
|Add to Saved Sellers


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In the last few years, people Tento web have become much more interested regarding the premium of supplements they consume. Supplements could be valuable in lots of ways and they need to be taken care of very carefully. This means that it is essential to look for a supplement testimonial just before you purchase any sort of supplement.
The human body Hlavní strana is incredibly complicated. Every component of the body system undergoes some amount of impact from what you eat, just how much sleeping you receive, your environmental impacts, the activities you participate in each day, and various other variables. To combat the many aspects that influence the health of the body system, it is essential to use supplements.
Some of the very most popular supplements consist of anti-oxidants, fiber, herbs, minerals, and vitamins. It is significant to find a supplement that supplies really good degrees of each nutrient, you prefer to create certain the supplement is actually supplying you with the quantities that you need to create a difference in your life.
Before you odkaz na webovou stránku pick a supplement, you will want to ask yourself inquiries like "which specific material is greatest?" "what kind of supplement will work most effectively for me?" and also "what are actually the ingredients that I should prevent?"
To locate the answer to these inquiries, you need to perform some investigation online. You may check out supplement customer reviews through internet sites such as the Merck Mark or Buyer News.
You ought to certainly not acquire a supplement unless you first inspect out the firm's site. At this factor, it is actually suggested that you ask a good friend to aid you locate the supplements you are actually intrigued in.
If there is certainly not on call research readily available to assist you create your choice, you may would like to count on recommendations. There are different discussion forums online that you may discover reviews from. You need to review these as lot of times as necessary. If you find yourself buying a product that is certainly not what it claims it is actually, you will definitely have the ability to determine from good friends or even other people who have purchased that same product and found that it performed not work well for all of them.
While it might be actually alluring to purchase a supplement located merely on a single evaluation, it is actually important to locate much more than one. This way, you will definitely be actually far better capable to examine the variations in between various providers and also just how their products vary. It is actually feasible that your seekings are going to change relying on how you received your assessment and what evaluates you read.
Another factor to consider is actually whether the supplement is actually a supplement that you can take typically. Regardless of whether you carry out not take supplements, it is still important to review supplement evaluations. Although the supplements you utilize may be actually made from all-natural sources, these are certainly not constantly the greatest selections. When you intend to find the most ideal results, it is best to utilize the supplements that are actually produced with organic active ingredients.
You will be able to find out regarding the ingredients and also does of the supplements when you are checking out supplement evaluations. This are going to offer you a better idea of what the supplement can easily as well as can not do for you. You will definitely additionally learn more about the active ingredient that the supplement utilizes and the impacts that this component carries the body system.
It is always a good suggestion to look for one that is actually created especially for your necessities when you appear for supplements. There are many supplements on call that are effective for certain teams of folks however have little bit of fruitless on others. Only you can easily figure out what works for you and also your lifestyle.
Whether you are a weight lifter, a dieter, a sportsmen, a security guard, or a sportsmen, there is actually a supplement for you. Take the time to look for a supplement evaluation as well as you are going to be stunned at the variety of elements. that are made use of in supplements.
You've perhaps found the numerous supplement reviews out there online. The problem is that many people may not be rather very clear about what is being reviewed, what a review definitely is and also what is the purpose of it. This short article takes a much deeper consider these topics.
Exactly what is actually a supplement customer review? And exactly how is it various from a weblog?
A supplement customer review is a composed assessment of a certain supplement. Typically it is actually written by an individual who has actually used the item as well as determined to discuss it. It's typically uploaded on a conversation panel or site or a few other discussion forum where folks can easily see it.
There are actually a number of main reason whies net marketers do this. They often do it to create their very own reliability and also to promote their item.
In a latest research study carried out due to the Educational institution of California, it was actually revealed that 97% of on the internet customers have actually seen a customer review of a certain item. Regardless of whether they really did not buy the item, the evaluator may possess offered it since the evaluation was actually valuable.
It's most likely that supplement item assessments are actually receiving a lot more prominent as time takes place. As marketers find the effectiveness of companies like Herbalife and also the issues along with Zestop and also others, it becomes less complicated to boost sales through accumulating your very own reputation as a pro in your niche.
Because of all the advances in internet advertising and marketing and marketing, Web marketers are actually only lately capable to reach these readers. Utilizing the web is actually cheaper than ever and while they may not be all knowledgeable, they are actually competent sufficient to share details that could assist you in your purchases.


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Choose your room
Enjoy the recreation opportunities such as a fitness center or make use of other amenities including complimentary wireless Internet access.
Satisfy your appetite for lunch or dinner at the hotel's restaurant, or stay in and take advantage of the 24-hour room service. A complimentary continental breakfast is served daily from 7:30 AM to 10:30 AM.
Featured amenities include a 24-hour front desk, luggage storage, and laundry facilities. Free self parking is available onsite.
Make yourself at home in one of the 29 guestrooms featuring refrigerators and minibars. Rooms have private balconies or patios. Complimentary wireless Internet access keeps you connected, and cable programming is available for your entertainment. Bathrooms have showers and complimentary toiletries.
Distances are displayed to the nearest 0.1 mile and kilometer.
Amrapali Mall - 0.2 km / 0.1 mi
Trivati Nath Temple - 7.4 km / 4.6 mi
Bareilly College - 8 km / 5 mi
Mahatma Jyotiba Phule Rohilkhand University - 11.7 km / 7.2 mi
Phoenix United Mall - 12.1 km / 7.5 mi
Fun City - 13.5 km / 8.4 mi
When you stay at PINAKI HOTEL in Bareilly, you'll be 3 minutes by foot from Amrapali Mall. This hotel is 4.6 mi (7.4 km) from Trivati Nath Temple and 5 mi (8 km) from Bareilly College.
Near Amrapali Mall
Useful information:Other names for Hotel Pinaki:
Amaya Hotel C B Ganj
Amrapali Clarks Inn
Clarks Inn Bareilly - Uttar Pradesh


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Back End Engineer at Outdoor Voices
| Austin
Sorry, this job was removed at 6:34 a.m. (CST) on Friday, October 11, 2019
We are looking for a world-class engineer to join our technology team and support initiatives across the entire business. The right candidate is a versatile engineer, able to jump into a team environment, and make an immediate impact while also being able to autonomously lead initiatives and drive them to completion. You have the ability to work across a variety of systems, and create stable solutions that allow Outdoor Voices to continue to scale. Familiarity with Ecomm Platforms, API Design, Operations, Fulfillment, POS systems, and ERP systems are all a plus.
- Build out systems that scale using modern web technologies
- Own feature delivery through completion
- Mentor and lead other engineers to ensure OV builds great end-to-end experiences for our customers
- Work within an existing codebase, identify areas for improvement, and implement the improvements
- Ship and maintain critical business operation systems
- Work cross-functionally across business to deliver best in class experiences
- Lead initiatives and report out status
- 5+ years of software development experience
- Bachelor's degree in CS or a related technical field
- Comfortable consuming third party APIs, and building systems to reliably connect and scale them with other systems
- Agile and excited to work in a start-up, team environment
- Familiar with building, launching, and supporting scalable solutions
- Knowledgeable of automation/deployment best practices, and capable of building out a continuous deployment workflow
- Familiar with software development life cycles, and able to lead by example in planning and estimating out tasks for projects
- Familiar with testing strategies, and help lead the team to ensure all software is being delivered with high quality
- Database Experience
- Java Script Experience
- Python/Django Experience
- Shopify/Netsuite Experience a plus
Read Full Job Description


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Puppy Culture
Puppy Culture is a program developed by Jane Killion, professional dog trainer and breeder. It is a comprehensive, organized program for breeders to follow during the first weeks of a puppy's life.
The first 12 weeks of a puppy's life are incredibly important. This is an almost magical time when a breeder has the power to change the outcome of a puppy's life by what we choose to teach him. By doing just the right things at just the right time, we can give your puppy the best start possible. Here is a brief overview of a puppies developmental periods as well as the program protocols.
Prenatal Period:
Making sure that your puppy's genetic material is excellent is only the beginning. The physical and emotional health of the mother will affect the health of her puppies. Since research has shown that puppies born to mothers that receive prenatal massage are more docile and enjoy being touched, we spoil our mothers with lots of affection and belly massages. A puppy's predisposition to form deep and meaningful relationships begins even before they are born.
Neonatal Period: 0-14 days
Early Neurological Stimulation (ENS) begins on day 3 and continues through day 16. Research shows that tiny struggles and stresses in appropriate small doses are actually good for puppies and will help them grow into strong, healthy well-adjusted adults. Benefits include greater tolerance to stress, greater resistance to disease, faster adrenal system, stronger heart rate and stronger heartbeat. This is a gift that a breeder can only give their puppies once during the window of 3-16 days.
Transitional Period: 14-21 days
Behavioral markers are used to identify the beginning and end of each developmental period because every puppy is different and these timelines are simply guidelines. The transitional period begins when the puppy's eyes open and ends when they first startle upon hearing sounds.
Critical Socialization Period: 3-12 weeks
Most people think of socialization as exposing their puppies to as many new experiences as possible while the puppy is young. While this is part of the process, it's not enough. Our goal is to raise dogs that have the emotional intelligence to connect with you. Emotional intelligence can be taught to young puppies and one of the goals of the Puppy Culture Program is to teach breeders how to do this. There are 7 key things that will nurture the emotional intelligence of a puppy.
1: Communication – giving a puppy his own voice
(power up clicker, box game,
manding, attention/distraction protocols)
2: Emotional stability – the ability to recover easily from fear
as well as stress (startle recovery, barrier challenges,
Volhard Aptitude Test at day 49)
3: Habituation – familiarity with the maximum number of things
(Puppy Parties, sound protocols, habituation soundtracks and noises,
meeting different people, dogs, other animals)
4: Enrichment – the view that novelty and challenges are opportunities
for enrichment rather than things to be feared or avoided
(novelty items, Adventure Box, off premises socialization)
5: Health – physical wellness and motor skills that will
allow the puppy to develop in a neurologically and
physically sound way (daily weight checks, grooming,
vaccinations, deworming, proper nutrition, vet health checks)
6: Skills – learned behaviors which allow him to function in
human society (recall, manding, simple commands, litterbox
training, crate training, leash walking, resource guarding, bite inhibition)
7: Love – the desire to seek out the company of both
dogs and humans as emotionally positive experiences
(daily cuddles with humans and mom).
*Puppy Culture also offers an owner-based program that aids in training once puppy is in new home. Ask for information on how to purchase.


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The Oscars didn't nominate Jennifer Lopez — and Tyler Perry isn't happy about it.
via TMZ:
We got Tyler Monday outside leaving NBC studios in NYC. All we asked was how he's feeling, and he immediately told us, "I'm upset, man" … then started unloading on the Academy.
Tyler says it's crazy J Lo didn't earn a nom for Best Supporting Actress for her role in "Hustlers." Remember, she already earned Golden Globe and SAG nominations for the role as a conniving stripper. The Academy wasn't impressed.
There's also "The Farewell" star, Awkwafina … who had already made history as the first woman of Asian descent to win a Golden Globe in the lead actress category. But, Tyler says The Oscars, once again, got it wrong.
The famed director, and studio owner, doesn't come out and say it, but seems he could be hinting at a lack of diversity among the nominees. The only actresses he mentioned are women of color, and of the 10 actresses up for lead and supporting roles … only one (Cynthia Erivo in "Harriet") is a woman of color.
BTW … Scarlett Johansson was nominated twice in a leading ("Marriage Story") and supporting role ("Jojo Rabbit").
Jennifer and Awkwafina aside — the Oscars are incredibly white this year.


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Add to Cart
- Vintage
- 2014
- Country of origin
- Italy
- Region
- Sicilia
- Vinous
- 97
- Appellation
- Etna Rosso IGP Sicilia
- Volume
- 0,75 l
- Grape variety
- Nerello Mascalese
- Serving temperature
- 15
- Drinking window
- 2016-2022
Antonio Galloni's Vinous.com: 97/100 Bright red-ruby. The captivating nose combines strawberry, raspberry, minerals, violet and flint aromas. Creamy-sweet but amazingly light on its feet, offering palate-staining, perfumed flavors of soft red berries, ripe red cherry, vanilla, aromatic herbs and crushed rock. Rich, ripe and suave, but displays a penetrating, saline and energetic quality that gives this beauty a three-dimensional mouthfeel and a light-on-its-feet quality. Finishes with great length and wonderfully polished tannins. Absolute knockout wine: from a memorable vintage on Etna, this is most likely the best Passorosso ever (in earlier vintages, it used to be called simply Passopisciaro). Mainly Nerello Mascalese.
Other wines from this domain
Professional and accessible wine advice? Call Jean Paul @ +32 (0) 3 711 32 22, mail us @
firstname.lastname@example.com or visit our wineshop in Nieuwkerken-Waas.


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#sorry mom
People used #SorryMom to apologise to their Mams for acting the maggot and it was gold
Happy Mother's Day!Share Tweet5
Girl does the Ice Bucket Challenge right after getting her wisdom teeth out
"This is to raise money. You should give money to the place. I don't know what it is…"Share Tweet
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