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Takumi International Limited is committed to protecting and respecting your privacy.
Takumi International Ltd operates the www.takumi.com website and the Takumi Mobile application (hereinafter referred to as the "Service").
The key feature of the Takumi mobile application (App) is that it allows you to receive payment from certain brand owners (Brand Owners) for participating in the Brand Owner's campaigns and posting images on your Instagram account.
This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data.
We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions.
For the purpose of this Privacy Policy, the controller is Takumi International Limited of 91 Wimpole St, London W1G 0EF, UK.
Service means the www.takumi.com website and the Takumi mobile application (App) operated by Takumi International Ltd
Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Cookies are small files stored on your device (computer or mobile device).
Data Controller means the natural or legal person who (either alone or jointly or in common with other persons) determines the purposes for which and the manner in which any personal information are, or are to be, processed.
Data Processor (or Service Provider) means any natural or legal person who processes the data on behalf of the Data Controller.
We may use the services of various Service Providers in order to process your data more effectively.
Data Subject is any living individual who is using our Service and is the subject of Personal Data.
Brand Owner is a Brand or Agency which has assigned Takumi to manage their influencer marketing campaigns.
We collect several different types of information for various purposes to provide and improve our Service to you.
We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send or by contacting us.
We use cookies to distinguish you from other users of the App, App Site, Appstore or Services Site. This helps us to provide you with a good experience when you use the App or browse any of the sites and also allows us to improve the App and our Sites. For detailed information on the cookies we use and the purposes for which we use them, see our cookie policy a copy of which is available at www.takumi.com/cookies
We may also collect information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device ("Usage Data").
This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
When you access the Service with a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.
We may associate any category of information with any other category of information and will treat the combined information as personal data in accordance with this policy for as long as it is combined.
We do not disclose information about identifiable individuals to our advertisers, but we may provide them with anonymous aggregate information about our users (for example, we may inform them that 500 men aged under 30 have clicked on their advertisement on any given day). We may also use such aggregate information to help advertisers reach the kind of audience they want to target (for example, women in SW1). We may make use of the personal data we have collected from you to enable us to comply with our advertisers' wishes by displaying their advertisement to that target audience.
We share aggregated demographic information about our user base with our agents, including agencies or third-party vendors used to aggregate demographic information, provide marketing analysis and consult on advertising strategies. This information does not identify individual users. We do not link this aggregate user data with personally-identifying information.
We do not rent or sell email addresses, postal addresses or telephone contact information to third parties, or otherwise share any personally-identifying information we collect, with any third parties.
However, we may share your personal information with the Brand Owners and their agents for the purposes set out below.
We use third-party tracking services to track non-personally identifiable information about users of the App and our Sites in the aggregate. These third party services may use JavaScript, pixels, transparent GIF files and other means to allow us to learn which advertisements bring users to the App and our Sites.
Any information we track in this manner is anonymous, limited to usage and volume statistics and is used to provide insight into the effectiveness of our online marketing initiatives and strategies.
The Brand Owners will use your information to: offer you the chance to participate in their campaigns; carry out their obligations to you in respect of each campaign in which you participate; post the images you submit to them as part of their campaigns on their social media accounts for public view; and to communicate with you via the App's messaging service.
The Brand Owners may use your information to provide you with information about the Brand Owner's campaigns which the Brand Owner believes are more likely to be of interest to you (for example, campaigns which apply to your geographical location).
The Brand Owners may engage third party agents for the above purposes. In those circumstances, your personal information will be used by the agent for the above purposes.
If you are from the European Economic Area (EEA), Takumi International Ltd legal basis for collecting and using the personal information described in this Privacy Policy depends on the Personal Data we collect and the specific context in which we collect it.
The influencer data stored on the Takumi platform servers is removed upon user request, which can be accomplished from within the app settings screen. If the user has not participated in any Takumi campaigns, the data is removed after a 24 hour cancellation window. If a user has participated in campaigns, we retain his or her data until 6 years have passed since the last participation, as part of our financial records and to fulfil our duties for government reporting.
If not specifically requested, we retain data on our servers as it is required for the app and service to function, but no collection, updating or processing of the user data takes place during this time.
Takumi International Ltd will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our Service, or we are legally obligated to retain this data for longer periods.
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.
If you are located outside the EEA and choose to provide information to us, please note that we transfer the data, including Personal Data, to Ireland and process it there.
Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
Takumi International Ltd will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organisation or a country unless there are adequate controls in place including the security of your data and other personal information.
If Takumi International Ltd is involved in a merger, acquisition or asset sale, your Personal Data may be transferred. We will provide notice before your Personal Data is transferred and becomes subject to a different Privacy Policy.
Under certain circumstances, Takumi International Ltd may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).
The security of your data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.
Please note that Instagram has its own privacy policy to cover its processing of your personal information. We have no control over Instagram and are not responsible for Instagram's acts or omissions. We have no control over Instagram's use of your personal information. If you have any concerns over Instagram's use of your personal information, please consult Instagram's privacy policy or contact Instagram directly. You can find Instragram's data policy here: https://www.facebook.com/about/privacy
Please also note that when you take part in a Brand Owner's campaign, post images on your Instagram account in connection with a Brand Owner's campaign or communicate with a Brand Owner via the App's messaging service, the Brand Owner is an independent controller. If you have any concerns over the Brand Owner's or their agent's use of your personal information, please consult the Brand Owner's privacy policy or contact the Brand Owner directly.
We do not offer the App or any Services to children under 18 years of age. Users of the App and our Services are asked to confirm their date of birth as part of the registration process. Any user who indicates that they are under 18 years of age will not be able to use the App or our Services. If you believe that your child has provided a false date of birth to use the App or our Services, please let us know by contacting us at firstname.lastname@example.com.
If you are a resident of the European Economic Area (EEA), you have certain data protection rights. Takumi International Ltd aims to take reasonable steps to allow you to correct, amend, delete or limit the use of your Personal Data.
If you wish to be informed about what Personal Data we hold about you and if you want it to be removed from our systems, please contact us at firstname.lastname@example.com.
Please note that we may ask you to verify your identity before responding to such requests.
You have the right to complain to a Data Protection Authority about our collection and use of your Personal Data. For more information, please contact your local data protection authority in the European Economic Area (EEA).
We may employ third party companies and individuals to facilitate our Service ("Service Providers"), provide the Service on our behalf, perform Service-related services or assist us in analysing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.
We get basic profile information, post information and insights from Facebook's Graph API. We use this data to match you with appropriate campaign opportunities, evaluate campaign submissions and carry out our core Service.
Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
Mixpanel is provided by Mixpanel Inc.
You can prevent Mixpanel from using your information for analytics purposes by opting-out. To opt-out of Mixpanel service, please visit this page: https://mixpanel.com/optout/
For more information on what type of information Mixpanel collects, please visit the Terms of Use page of Mixpanel: https://mixpanel.com/terms/
Takumi International Ltd uses remarketing services to advertise on third party websites to you after you visited our Service. We and our third-party vendors use cookies to inform, optimise and serve ads based on your past visits to our Service.
Google Ads (AdWords) remarketing service is provided by Google Inc.
You can opt-out of Google Analytics for Display Advertising and customise the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads
Google also recommends installing the Google Analytics Opt-out Browser Add-on - https://tools.google.com/dlpage/gaoptout - for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics.
For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en
Twitter remarketing service is provided by Twitter Inc.
You can opt-out from Twitter's interest-based ads by following their instructions: https://support.twitter.com/articles/20170405
You can learn more about the privacy practices and policies of Twitter by visiting their Privacy Policy page: https://twitter.com/privacy
Facebook remarketing service is provided by Facebook Inc.
You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950
To opt-out from Facebook's interest-based ads, follow these instructions from Facebook: https://www.facebook.com/help/568137493302217
Facebook adheres to the Self-Regulatory Principles for Online Behavioural Advertising established by the Digital Advertising Alliance. You can also opt-out from Facebook and other participating companies through the Digital Advertising Alliance in the USA http://www.aboutads.info/choices/, the Digital Advertising Alliance of Canada in Canada http://youradchoices.ca/ or the European Interactive Digital Advertising Alliance in Europe http://www.youronlinechoices.eu/, or opt-out using your mobile device settings.
For more information on the privacy practices of Facebook, please visit Facebook's Data Policy: https://www.facebook.com/privacy/explanation
We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors).
We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.
The payment processors we work with are:
Their Privacy Policy can be viewed at https://www.adyen.com/policies-and-disclaimer/privacy-policy
Their Privacy Policy can be viewed at https://www.dwolla.com/legal/privacy/
Their Privacy Policy can be viewed at https://www.revolut.com/legal/privacy
Their Privacy Policy can be viewed at https://stripe.com/us/privacy
Our Service may contain links to other sites that are not operated by us. If you click a third party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.
Any changes we may make to our privacy policy in the future will be posted on this page and, where appropriate, notified to you by e-mail or when you next start the App or log onto one of the Services Sites. The new terms may be displayed on-screen and you may be required to read and accept them to continue your use of the App or the Services.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
If you have any questions about this Privacy Policy, please contact us at email@example.com.
Effective: Jan 30, 2020


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£28 pp
2 hour class
We provide weekly art classes to adults, personalising the programme to each individual student. In this one-off art session, you will choose from a variety painting or drawing projects and go home with a completed piece of art! You have the choice of creating a beautiful Ann Blockley watercolour painting, a John Waterhouse tonal stain painting or a gorgeous negative animal drawing (inverting the natural by drawing with white on black paper). Our art sessions take place in a relaxed and supportive environment. Whether you are a complete beginner or a more experienced artist, we can help you build…
For our art class you won't need to bring any materials as we have everything here! Keep in mind to wear clothes or an apron that you don't mind getting messy.
None of the dates work for you? Let the host know and you will be notified when new dates are added.
You will only receive an email from us if new dates are added for this class, you will not receive any marketing emails, and that's a promise!

subset: commoncrawl


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We provide our customers with a wide variety of Inspection Services for residential and commercial buyers and sellers.
We use the most up to date equipment including drones, moisture meters and infrared cameras to ensure accurate results.
GTA Property Inspections
Family owned and operated,
we understand that safety is your priority.
We inspect over 300 properties a year... we have the experience YOU need


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9ct Gold Carat Eternity Ring
Product Description
Show her that your love is forever with this stunning 9ct gold diamond eternity ring. An ideal way to celebrate anniversaries, birthdays, or simply to show her how much you love her.
Normally Available in sizes J to R
Product Specifications
- Birthstone April
- Diamond 0.1 carat
- Height 0.2 cm
- Material 9ct Yellow Gold
- Stone shape Brilliant (Round)
- Stone style Eternity
- Stone type Diamond
- Width 0.4 cm
Refunds & Returns
Returning online purchases
If you've changed your mind about keeping your purchase, please return it in its original condition we'll exchange or refund it.
You can return items to us by post free of charge within 30 days via Royal Mail and you will be refunded to the payment method you used to place the order.
Return to a UK store
This is the quickest way to return items. You can also exchange any unwanted items at your local store.
Beautiful ring
Wife loved it looks gorgeous on She was very happy .
Beautiful and understated
I had been looking for an eternity ring for a few months and couldn't find one that I really liked. I saw this one in the shop but they didn't have my size so went and looked elsewhere. Went home ringless and couldn't get this ring out my head so ordered it online. It's delicate and understated and fits beautifully next to my wedding band. It's comfortable to wear and doesn't have any sharp or pointy corners on it that would catch on clothing etc.
Beautiful ring, stunning diamonds. Well worth the money
9ct Gold Eternity Ring
Husband bought this for our 8th anniversary, i saw it and immediately fell in love with it. It's neat and compact, love the way the diamonds sit in the ring. Only down side was for me to order it in the shop, only to find when i went to collect it, that it had gone down in price by £50!
Stunning looking ring
This ring looks even better when seen in shop I love it as an eternity ring as a gift from husband for my birthday celebrating 11 years of marriage.. Stunning ring bargain price
looks better online
Looks bit boring compared to in picture on here, small diamonds can hardly be seen and detail hard to see, top looks more like white gold band with hardly anything to see. Also band at bottom is much thinner then it looks here. Very deceiving picture.


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One person has been critically injured and two others seriously injured in a crash in the Waikato.
Police were called to the crash at the intersection of State Highway 26 and Piako Rd, Morrinsville about 11am.
Diversions were in place and motorists were asked to avoid the area if possible.


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I tried to check Literary Witches: A Celebration of Magical Women Writers by Taisia Kiaiskaia and Katy Horan out from the library before purchasing. The only copy available in the greater Birmingham area is listed at the snotty branch of Mountain Brook, and its status is lost. So, I purchased it online and am returning.
It's a cute attempt at an educational coffee table book. But it's small. I loved the theme and idea. Then they – the author and artist – did something so insulting to witches that feeds into ugly stereotypes and racial caricatures. Zora Neale Hurston was "initiated" into Vodou by "…boiling a live black cat and passing its bones over her lips…".
Let's break this down:
- Kiaiskaia and Horan blithely condone animal abuse – torture of a sentient being – in the name of amoral acceptance and "Vodou." In actuality, animal abuse and torture are a horrid bastardization and racist stereotype of African animism and the religion(s) of the Orishas and Olodumare.
- No doubt they and their leftist comrades will cry, "But that's their culture!" Hear this, social rejects and psychopathic trollops: Cultures do not have rights. Sentient beings have rights. Just because someone is from a non-Caucasian group does not give them the right to maim and murder. No one, no racial group, no religion gets a pass for torture and ritualistic murder.
- Psychopaths start with animals, and too often cats are their preferred victims. This inclusion of a sick freak who boiled alive a kitty panders to the sick and false stereotypes of ritual sacrifice that is absolutely no part of witchcraft. This is an insult to witches and the celebrated women writers included in this book.
Cats were persecuted in the Middle Ages along with those accused of witchcraft. To be all for celebrating "magical women writers" Kiaiskaia and Horan don't seem to mind the torture of the beloved animal most commonly celebrated and condemned along side witches.


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Maple Close,
Guide Price £362,000
* VIDEO TOUR AVAILABLE * Situated in a highly sought after development, within a cul de sac location, this immaculate property benefits from three reception rooms, cloakroom, cavity wall insulation, (...)
Stuart Road,
Fixed £350,000
* VIDEO TOUR AVAILABLE * Renovated throughout with brand new windows, boiler, kitchen, bathrooms and an additional utility room. This immaculate property is situated at an end of cul de sac location, (...)
Jutland Drive,
Guide Price £349,000
An exceptional, high quality, detached property, benefiting from upgraded flooring, kitchens, tiling, fully fitted alarm and landscaped garden. A MUST SEE. EPC C
Poppyfields Way,
Guide Price £340,000
* VIDEO TOUR AVAILABLE * In fantastic condition this spacious four bedroom property benefits from kitchen/diner with integral appliances, cloakroom, four bedrooms and ensuite to master. The property (...)
Bronnley Way,
Offers in the Region Of £334,000
In show home condition, this immaculate property is situated at an end of cul de sac location, within walking distance to the town centre. The property has been upgraded throughout with the kitchen (...)
Woods Court,
Guide Price £330,000
LARGE OPEN PLAN KITCHEN/DINER. This property has the wow factor. Modernised throughout, this fantastic four bedroom, detached home, benefits from an open plan kitchen/diner, with integral appliances, (...)
Miranda Lane,
Guide Price £330,000
* VIDEO TOUR AVAILABLE * This immaculate 'Hadley' David Wilson property benefits from a brand new high specification kitchen & utility room, double aspect living room, ensuite to master and garage (...)
Orion Drive,
Guide Price £329,995
* VIDEO TOUR AVAILABLE * A much larger than average property, in fantastic condition throughout. The property benefits from a spacious kitchen/diner with integral appliances, a good sized living (...)
Bianca Close,
Guide Price £325,000
Beautifully presented this detached property benefits from a private road cul de sac location, large kitchen/diner/family room, cloakroom, garage and no chain. STAR BUY. EPC B
Valley Road,
Fixed £315,000
Four DOUBLE bedrooms, three reception rooms, cloakroom, landscaped garden, garage and driveway. The perfect floorplan? A MUST VIEW
Poppyfields Way,
Fixed £315,000
* VIDEO TOUR AVAILABLE * BRAND NEW/EX SHOW HOME. Upgrades throughout. Integral Appliances. Garage and driveway. No Chain. Ready now. EPC B
Hans Apel Drive,
Guide Price £310,000
Situated at an end of cul de sac location, this property offers three double bedrooms, cloakroom and a single garage with driveway for three cars. The downstairs comprises of dining room, living (...)


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Located just on the border of Baltimore, Timonium is a relatively small community covering just over 5 square miles. The city's name was inspired by the incomplete Egyptian palace constructed by Roman leader Mark Antony, located on the island of Antirhodos. Every Labor Day weekend, Timonium is the location of the famous Maryland State Fair.
Timonium's history dates back to the beginnings of Baltimore. Before the arrival of settlers, it was primarily forests and a hunting ground for local Native American tribes. Throughout Baltimore's rapid increase in population, Timonium remained much more sparsely populated. However, this has always been mostly attributed to the city's small size, taking up only 5 square miles. Population density is high in comparison to Baltimore, meaning that Timonium nurtured an impressive population considering its limited geographical footprint.
Although Timonium is a small community, it has plenty to offer its residents. Light rail lines give Timonium easy access to nearby entertainment venues and an ideal way to commute in less than half an hour. Within 30 minutes, you can find yourself in one of the biggest cities in the country, Baltimore, which offers a great mix of restaurants, bars, festivals and sporting events. Timonium hosts the annual Maryland State Fair as well as several major horse races throughout the year. Climate is also another perk in Timonium, reaching near-perfect temperatures throughout the spring, summer and fall.
The Timonium Business Park provides jobs in the service and logistics industries. Other employment sectors include food service, health care, manufacturing, communications and defense.
Timonium is part of the Baltimore County School District, which oversees the public elementary, middle and high schools in the area. The greater Baltimore area (including Timonium) is home to a number of private schools, providing a range of educational options for you and your child.
Here's some handy information for organizing your move to Timonium:
Timonium is one of the higher-priced real estate markets in the greater Baltimore area. The median home price is well above the national average, continuing to climb in recent years as demand for homes in the area increases. Rental properties vary in size, style and price, with many including private amenities like swimming pools and private gyms.


text: Hornbill Festival, is one of the most famous festivals of Nagaland, one of India's north Eastern state and is celebrated by the locals with a lot of zeal. The festival is named after Hornbill, a bird species in the state whose importance is reflected in their tribal music, dance and culture. The Hornbill Festival is one of the largest celebrations of the local warrior tribes of Nagaland. The festival is held at the Naga Heritage Village in Kisama, which is about 12 kilometers from the capital of the Nagaland, Kohima.


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Partners: No threat to advisers
Direct insurance sales are no threat to the adviser force, Partners Life's Naomi Ballantyne says.
Thursday, July 31st 2014, 6:00AM 5 Comments
Partners Life has reported a significantly oversubscribed capital raising and the accumulation of $100 million in in-force annual premiums.
"It is just over three years since we opened for business and, in a market dominated by well-resourced and long-established foreign-owned life companies, we have created a very substantial and competitive New Zealand company," Ballantyne said.
The company generated $31.6 million in its capital raising, above a target of $20 million.
Partners Life deals only with advisers.
Ballantyne said the direct part of the market was tiny and advisers were needed to help New Zealanders get adequate levels of insurance.
"We have massive underinsurance. If we leave it to people to decide for themselves whether they need it and how much, it's not going to be a good outcome for the consumer. "
She said the vast majority of people needed an adviser to explain to them what they needed and how to go about getting the products they needed.
It was a fallacy that people wanted to do things directly, she said. "It doesn't take them long to realise that it's more complex than they think. There's hundreds of thousands of dollars, or even $1 million at stake. Trying to go that quickly without much thought, it doesn't mix. It doesn't take most people very long into the process to realise that they don't know what they're talking about."
She said Partners was growing because it was focused on making its products the best answer for most clients. The company's goal now was to drive efficiency as it continued to grow, she said. "To offer great products at a competitive price, efficiency is a huge part of that mix."
Partners would also work on building the retention component of the business. Ballantyne said the infrastructure had been built to deal with new business and the focus was now switching to how those clients were looked after when their circumstances changed.
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I've been trying to tackle this decade retrospective America is going thru for obvious reasons.
For me, 10 years encompasses all of my adult life.
Looking back, War has never been an abstract concept for generation 9.11…
I raise you 10 years and make it 20.
1991: As a kid in first grade, I remember waking up one Saturday morning to find that Ninja Turtles had been replaced by men and women in polyester suits talking to soldiers in dessert camo and black berets waiting for their satellite video-feeds to skip a beat. My toy tanks and planes rolled-out across an empty frame against an invisible enemy. The "bad guys" were long-dead by the time the steal-treads and boots and news-crews had arrived on the scene.
The interrupting kaleidoscope of war would jump out of the radio and television at all hours. Night-vision artillery fights in hues of green. The Six Flags thrill of riding the nose of a smart-bomb kamikaze-ing for freedom, liberty and oil. But just like revisiting a theme-park as an adult, the excitement of knowing that somewhere on earth an American war is being waged has lost its grandness. This is my "Great America".
We've inherited 100 years of a World at War.
Sometimes the Past must be put to rest.
The Future is worth fighting for, but not like this.
It's all been done before.
Palliativity 129: Gas Mask Panic
To me, gas-masks are a sign that everything else has failed— That despite our efforts, the environment is so toxic that we must separate ourselves from it or succumb to the nature of our biology. Gas-masks are a red-flag marking that we have accepted the fractured world we've inherited. There is no cure, only treatment…
A century ago as depicted above, the mask was a necessary tool for surviving the cruel inventions of man.
Greece, Egypt and Syria demonstrate that its ontological nature has evolved:
We are Faceless, Fearless and on a Vendetta.
Oppression and Suppression in an eternal tango to the beat of combat boots and broken-bottle shards breathing flame.
Take a mask and run with it, because in this game there are no bystanders— only collateral damage.
Play safe.
They're expecting you.
"The Myth of the Gun"
I've been asked many times why Japanese and American made videogames are so vastly different, even within the same genre.
I generally shy away from answering for or agreeing with such sweeping generalities— but in the world of gaming, the distinct cultural differences from production to execution and marketing speak from completely different perspectives.
The video below does a great job of comparing the differences between Japanese and American culture in gaming, game design and violence:
Snow Crash
"Snow Crash" is not only one of my favorite stories of all time, it also continues to inspire me to look at the world with fresh eyes. In 1992, Neil Stephenson created the Metaverse, Avatars, MMORPG elements and the constant threat of world altering cyber-terrorism. 19 years later, the novel shifts from speculative fiction to just another day of our lives:
We are all cyberpunks.
Hiro Protagonist and his accomplice Y.T. fight to save a world on the brink of implosion. Information is the currency and coding is the weapon of choice… when a katana, mini-gun or skateboard are not available.
The first page of the novel will force you to finish it, and the last paragraph hits the replay-switch in your brain so hard that I recommend some cranial protection and a sake-bomb. Welcome to the future, care of 1992:
"Why is [Hiro] the Deliverator so equipped? Because people rely on him. He is a roll model. This is America. People do whatever the fuck they feel like doing, you got a problem with that? Because they have a right to. And because they have guns and no one can fucking stop them. As a result, this country has one of the worst economies in the world. When it gets down to it - we're talking trade balances here - once we've brain-drained all our technology into other countries, once things have evened out, they're making cars in Bolivia and microwaves in Tadzhikistan and selling them here - once our edge in natural resources has been made irrelevant by giant Hong Kong ships and dirigibles that can ship North Dakota all the way to New Zealand for a nickel - once the Invisible Hand has taken all those historical inequities and smeared them out into a broad global layer of what a Pakistani bricklayer would consider to be prosperity - y'know what? There's only four things we do better than anyone else:
microcode (software)
high-speed pizza delivery"
Palliativity 127: Whale and Moonshine
A few years ago I interviewed a woman who was an adolescent in Japan during WWII. Hana's laughter and kind eyes belied her traumatic stories of a child's perspective in hell:
I learned from Hana that the Japanese obsession with eating whale is wrapped-up in her generation's nostalgia for the war years. As the war dragged on, the Japanese government realized that they did not have enough food to feed its people for the long haul.
The arrived upon solution was to use naval vessels to hunt whales en-mass and to ignite a propaganda campaign hailing whale meat as the healthiest food for the children of Japan. Almost everyday at lunch, whale was served in school cafeterias across the country. So began a deep longing for the last days of Japanese dignity.
During the war, sake was also in low supply. It was not uncommon for Japanese to drink grain alcohol or fuel and engine cleaner mixed with left-over rice-water. Even today you can still find mason-jar sake for sale all across Japan.
Hana recalled her school-days in Kyoto, early 1945. Up until this point, the children at her school were told that the war was going well and that Japan continued to gloriously prevail over the West. Suddenly, reports of failure and the imminent eradication of Japan drowned all hopes.
One day, all of her classmates were told to report to the schoolyard.
They were each handed a sharpened bamboo pole.
Classroom time was over.
Now they only drilled on how to kill Americans.
• • •
"Children might or might not be a blessing, but to create them and then fail them is surely damnation."
- Lois McMaster Bujold -
Palliativity 126: Etiquette and Protocol
A difficult question of communication etiquette came up in conversation with friends a couple years ago. We had read on Facebook that our friend's grandparent had just passed away. My friends and I wanted to send condolences but were not sure just by what conveyance to send such a message.
Should we call? No, that's too invasive.
Text? Too casual.
Chat when we see them online? No, they probably just want some space to browse without interruption.
Facebook wall post? Far too public.
Facebook message? Possibly…
Nobody wants to video-chat when they're mourning.
Maybe just email them… hmmmmmm—
I used to laugh about the preposterously complicated Victorian fan and flower language or the far too cerebral courting poems of ancient Japan. The truth is that human communication has changed very little over time.
Referencing classic texts and spinning out variations of traditional idioms loaded with silliness and social-commentary has been replaced with wiki-consciousness and memetic humor.
People are people.
Communication is a battlefield.


text:
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Trending News
Will I be able to get into the University of Michigan?
I'm an in state junior ranking 7th in 108 students in a high ranking high school in Michigan
I have a 3.96 GPA (A-'s or 94%s lower it, and our school doesn't weight GPA)
I received a 28 my first time taking the ACT a few months ago with a 30 on the math (working hard to improve to at least a 30 composite)
I'm a female wanting to study mechanical or civil engineering and I'm taking technical classes including CAD and Engineering Design at my school
I received scholarships to attend 2 summer engineering camps at Ferris State and Lawrence Tech
I'm taking all honors courses and AP courses available, AP World History this year and AP Government and AP Literature next year
I'm taking Calculus and Physics next year (no honors courses for those available)
I tested out of Spanish 2 to take and engineering course and I'm going to complete 4 years
I'm a member of NHS and I donate blood when our school has blood drives
I am on 2 Varsity teams (going to be a 4 year varsity softball player)
I'm also applying to a 2 week summer engineering program at Michigan that has a scholarship to attend the camp included
Sorry this is so much information, I really want to be accepted here and hopefully earn some scholarship money, any suggestions? Thanks :)
2 Answers
- Anonymous9 years agoFavorite Answer
Lots of UMich questions show up on here. First off, congrats on even aiming for UMich-a lot of kids are really frightened of the place because it IS so tough to get in.You're definitely within the range in terms of GPA of the "average" UMich student; ACT is a bit low, and extracurriculars aren't spectacular but are decent. This year (and I can't say what next year will look like) was brutal at UMich-students with weighted GPAs around a 4.1 got rejected or deferred. These students often had ACT composite scores of 30+ and decent extracurriculars. Last year, UMich got a better enrollment rate than they expected, so the freshman class was consequently too big for the residence halls and classes by about 1,000 students. This year, UMich has played a much more conservative game to avoid this again.
It's excellent that you're taking those AP classes; if you can get As or A-s in those classes, that will REALLY strengthen your application. Try to keep pushing upwards in those sports-being a team captain and showing how YOU made a difference in something is the most important. It's awesome that you give blood for NHS, but if your school's NHS is like mine, it's sort of a joke. Colleges don't look at NHS like they once did.
Since you're interested in engineering, attend those programs. Ferris State is a well-known school here in Michigan, and that will strengthen you much more than some blood donating can. Additionally, try to bring up your ACT score; although the admissions people usually just glance at it to make sure it's "competitive," having it higher is MUCH better than having it lower. You want to look GOOD for UMich-a lot of kids vie for a spot there each year (over 30,000 applicants/ year).
Best of luck to you! Since I got in, I can tell you that I had a 30 on the ACT (composite), a weighted GPA of 4.25 (U/W 3.85), great extracurriculars (reaching state and national recognition in multiple fields), and strong letters of recommendation. If you write good essays, pull up that ACT, hold the grades, and pick good recommenders, you should get in :)
GO BLUE!!!Source(s): In-state student attending UMich starting in September
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- 9 years ago
ya why not
- Login to reply the answers


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Cleaning Services You Can Trust
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Bio Hazard Clean Up
Our field service technicians are trained to handle the psychological traumas, and experienced in the use of proprietary procedures and cleaning up solutions to effectively sanitize any blood or bodily fluids, which might bring illness such as Hepatitis B and C, the H1N1 virus, Legionnaire's or MRSA. We contain and sanitize all possible blood-borne pathogens and visible blood, decreasing the danger of future damage or smells.
Crime Scene Clean Up
We are the most experienced and relied on company of crime scene clean-up and trauma scene cleanup in Brisbane, Gold & Sunshine Coast. Crime scene clean-up includes blood clean-up, death scene cleanup, murder/suicide clean-up, and the elimination of evidence markings like finger print dust and luminol. Regrettably, criminal offense scene cleanup is a service in much need.
Hoarder Clean Up
Our services are tailored in the most private, and discrete way offered. We will take any feedback or ideas you may have on your cleanup process and give it the utmost attention it needs in order to give you the most comprehensive and effective hoarder clean-up service. Hoarder clean-up is a really challenging and troublesome problem that needs to be handled in a really delicate manner. When dealing with hoarding, there need to be extra care taken in order to achieve this job in the very best way.
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Crime scenes are horrible, ugly sights; they can encompass homicide, suicide, and assault, and can be covered with spilled blood, body fluids, and the deceased. So what happens when a heinous incident usually seen only in movies suddenly startles your life?
Whether you're wanting to return the location back to its previous condition in order to keep living there, or if you wish to sell the property, our services will guarantee the security of everyone who uses it afterwards. Our professional cleaning professionals have actually the needed accreditations needed to sterilized any area, the permits to get rid of any items and the desire to fix criminal activity scenes and ease some stress from victims and loved ones. Our goal is to guarantee that no more agony comes from the crimes that have been perpetrated and that everyone affected has the very best chance to recover, without the extra concern of getting the area back to a safe and sterile condition.:
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We pride ourselves on our devotion to the work! We cleanse each and every nook and cranny to your full satisfaction, and we are sure to double check our services every time before we leave your or office.
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Here at Trauma Clean Brisbane we are committed to our customer's total satisfaction. We have the ability to accommodate any form of trauma cleaning task, at any frequency. Contact us now to discuss your wishes, and we promise we can help!
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We also provide trauma cleaning services in the following suburbs
More About Birtinya
The Bio Hazard Clean Up Experts In Birtinya
Biohazards need to be eliminated, cleaned up, decontaminated, transported and effectively dealt with to guarantee the health and wellness of all involved. Biohazards include germs and viruses that present health threats to family, buddies or employees who may come in contact with biohazards. Blood-borne illness, bacteria, and viruses found in blood and other bodily fluids can live outside the body for days and in some cases weeks. HIV & Hepatitis are the most frequently understood risks that can be contracted from biohazards. When a distressing accident, suicide, criminal activity, death happens in Birtinya or you have biohazards on your house it need to be cleaned up and sanitized properly.
Biohazardous material includes:
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and anything else that has possibly been exposed to illness that could be damaging to others.
Correct Biohazard Clean-up In Birtinya Nothing is Left
In your home, in the work environment, as well as in an automobile, boat or aircraft, protecting yourself and others from direct exposure to biohazards and blood-borne pathogens need to be your number one concern and concern. When blood does not get cleaned up correctly the biomaterial starts to break down, a strong odor emanates and flies are drawn in to the scene that spread pollutes to other locations that should also be found and cleaned up. We will check the residential or commercial property and determine all locations that have been exposed to biohazards and remove, decontaminate, and clean up everything to reduce the health danger.
We are a professional biohazard clean-up business in Birtinya licensed by the Department of Public Health that will make sure the clean-up is done correctly to lower future risk on infection to others. Our professionally qualified team will clean up, disinfect, and get rid of all blood and biohazard materials so you can progress and be guaranteed that you, your household, buddies or coworkers are safe.
Can My Employee Cleanup Biohazards In Birtinya?
Companies must follow stringent standards which mandates that employees have appropriate and comprehensive training prior to they are positioned in a position to clean up or manage any occurrence that might expose.
What Does A Crime Scene Cleanup in Business Do?
We sanitize, tidy and eliminate all biohazards that are present. Cleanup is required from top to bottom; ceiling, walls, furnishings, personal items as well as light fixtures. Each tiny area and square inch in a space that is exposed to biohazards is considered a prospective source of infection and need to be correctly decontaminated and cleaned.
There is more than what satisfies the eye and our service technicians are trained to identify, clean and decontaminate the smallest beads of biohazard material. A thumbnail spot on the floor or carpet might mean a two-foot diameter bloodstain on the sub floor under it or on the floorboard. A tiny droplet of blood on the top of a cabinet drawer or counter top is an indication of more blood inside the drawer or beneath the handle. With time biohazards start to trigger a smell and needs to be discovered, disinfected and cleaned up to be sure that the environment is safe, safe and ready for use.
Hoarding & Clutter Clean-up Providers In Birtinya
Each and every cleanup is distinct and positions various obstacles. In the majority of hoarded houses we find biohazards and conditions that present a biological concern that should be attended to so nobody gets ill. We are a Biohazard company that focuses on Hoarding removal when there is a great deal of particles, which for the most parts consists of biohazards.
When residents of a house can not easily move about the house, need to climb up over debris to obtain from one room to another, or are not able to utilize the bathroom, bathe, or safety store and cook food in the kitchen it positions a significant risk to their health and safety. We frequently get calls from a family member or pal of somebody who has actually fallen or ended up being ill due to the excess debris in the home. Extreme hoarding is likewise a fire threat and a danger to the local and their next-door neighbors.
We safely navigate hazards such as rodent feces, human waste, bed bugs, fleas, animals, mold, asbestos, and years of dirt and dust hidden underneath, in or behind the debris. Rodents and their droppings position the danger of Hantavirus, a breathing illness that can be fatal if not dealt with effectively.
Our goal is to return your home free of all unwanted debris while finding and protecting the items and furnishings you wish to keep.
What Do Forensic Crime Scene Cleaners In Birtinya Do?
Our focus as forensic cleaners is to tidy up biohazards such as blood, bodily fluids and the contaminated environments at a criminal offense scene, or any other injury scene. An immensely dangerous task for those who do not have the training, protective gear and customized equipment to handle biohazard material. We utilize our extensive knowledge to completely clean-up a trauma scene with careful attention to detail and large experience together with the legal permits needed to get rid of any biohazards. When we're done, you can be positive the area is thoroughly cleaned up, decontaminated, and safe to utilize.
Who Utilizes Forensic Cleaning And Death/Trauma Cleaning Services In Birtinya?
People require forensic cleansing when there has actually been a terrible event such as a criminal offense scene, suicide, undiscovered death, or any other scene where there are biohazards that need to be properly cleaned and disposed of. You may require forensic cleaning and restoration if you are a:
- Property Owner
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Most people handling a situation that requires forensic cleansing and remediation do not realize exactly what it takes to thoroughly tidy and restore a location where there has been a traumatic event. When we hear about your particular circumstance, we will explain to you what our procedure would be to effectuate an appropriate cleanup for your particular scenario. With our in-depth knowledge and wealth of experience, we make sure the area is free of biohazards and safe to use offering you a clean slate and comfort.
Providing Forensic Cleaning up service across all has a team of professional forensic cleansing specialists readily available 24/7 to help in the removal and restoration of your house. Our specialists are passionate about improving the biohazard remediation industry requirements and offering a rapid and inclusive service to all regions in full. Our specialists are the industry leaders in forensic cleaning, offering blood and injury clean ups, death and suicide cleansing, sewage leakage restoration, meth laboratory decontamination and biohazard remediation. Making use of innovative biohazard cleaning processes combined with advanced equipment, we offer our clients with an exceptional service by the application of tried and tested, job-specific removal procedures for a prompt, dependable and effective biohazard removal and forensic cleaning company. When it comes to biohazard restoration services, we are dedicated to using our specialists with ongoing training, affording our clients with a service where security and professionalism is second to none.
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Weekend Things to Do in the Hocking Hills - August 17-18
Looking for fun things to do in the Hocking Hills? Check out what there is to do this weekend.
It's another weekend full of fun things to do in the Hocking Hills!
Whether you want to get outside to explore or check all of the fun things you can do indoors here, there is a lot going on. Here's what you should plan on doing this weekend:
Go Back in Time
Did you know the Hocking County Historical Society & Hocking County Genealogical Society have six buildings that you can explore for free? From trying your hand at Morse Code to sitting in a 1900s school desk, there many ways to enjoy the past here.
Hop on Board the Wine Express
Are you ready to ride the Stuart's Summer Wine Express? This fundraiser for the Stuart's Opera House is a fun night out with friends. Raise a glass as you take a ride on the Hocking Valley Scenic Railway.
Have Festival Fun
Lancaster BrewFest Brew Week wraps up this weekend! Enjoy lots of beer-themed fun as BrewFest takes over Lancaster. Or go to Nelsonville for Parade of the Hills, an annual celebration of community pride and Appalachian spirit. Or check out the cars at Hot Rods in the Hills.
See the Butterflies
It's a great weekend if you love butterflies. You can go on a guided butterfly hike to see them in nature. Or go to the Butterfly Ridge Conservation Center as they bring out special lights to attract moths during Saturday Night Lights.
Go for a Hike
It's a great weekend for a hike! Explore the Finck's Nature Preserve with Finck's Nature & History Hike. Or go on the Medicinal Plant Walk at AOA's Mercer Grove to learn how to identify medicinal plants in the area.
Float Along
Bring a little romance into your life as you get on the river for the Romantic Moonlight Canoe Trip on the Hocking. Or relax and celebrate the end of summer during the 3rd Annual MEGA TUBE FLOAT on the Hocking River.
Feed Hummingbirds
Did you know you can actually get up close to feed hummingbirds? Go to Hungry Hummers at Lake Hope State Park for your chance. All you have to do is be very still and very quiet, and you just might make a friend with a hummingbird.
See Outdoor Theater
There is nothing quite like seeing the epic story of Tecumseh live. Sit under the stars as the story unfolds in front of you, complete with horses and stunning live battle sequences. It makes for a night that you will never forget.
Raise a Beer
Food trucks, beers and live music?! Does it get any better than that? It does when you can bring your favorite gear to show off to people that will appreciate it. Make sure to stop at Beers, Gears & Cheers!
Learn from a Naturalist
Do you know the difference between a ridgetop and a holler? Or have you investigated life in the fields of Boch Hollow Nature Preserve? Meet a naturalist this weekend and get to know more about the critters that call the Hocking Hills home.
Make a Stop at the Farmers' Market
Get started eating local with a stop at the Athens Farmers' Market or the Lancaster Farmers' Market. And even better, you'll get the chance to shake the hand of the person that made your food.
See the Work of Artists
Want to see some local art? You can see the work of quilters at The Dairy Barn Arts Center. These were deemed the 84 best contemporary quilts in the world, so it's something not to be missed. And be sure to check out Casey's Rock n Roll Dustbin Exhibit. Or get to the Bowen House for Summer Art in the Hills.
Hear Live Music
Enjoy the music of the Hocking Hills. Make a stop at Brewery 33, Hocking Hills Winery or RockSide Winery & Vineyards to hear great local music while also drinking local. Or cheer on the kids from Arista Rock School as they present Woodstock 50th Anniversary.
See the Stars
There's nothing quite like a beautiful starry night. And that starry night looks even better at the John Glenn Astronomy Park. Bring your whole family to marvel at the beauty of the night sky.
Still looking for something to do? Be sure to check out some of our favorite things to do in the Hocking Hills, as well as our events calendar.


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Elsa would like to have a good time hanging out with her sister Anna and some friends and she needed to have a perfect look. However, at present the face of her very worst, acne are many and the eyebrows grows very messy. You are one of the best make-up artists of the city and Elsa came to you. Please help her face with some sort of skin peels, acne, topical cream cure intensive dark circles eyes and eyebrows with tweezers format. The next step, please give her a makeup becomes ever more beautiful. Elsa will be happy and confident to go out with friends. Enjoy!
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Join the American Junior Golf Association for the much-anticipated youth golf tournament! The three-day adventure hosts nearly 80 players, ages 12-19 years old, for 36 holes of stroke play. Teens from seven states throughout the U.S. and four foreign countries come together and participate with players from Lompoc and other cities in California. Spectators from near and far are invited to attend the tournament at no cost.
- This event has passed.


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THE Lecale and Downe Historical Society launched its 36th annual journal at the Down County Museum last week.
Lecale Review No 17, has proved to be another excellent mix of compelling articles of local interest, published just in time for Christmas.
The latest annual charters the history of one of the oldest racecourses in the world outside Downpatrick.
The story penned by Joan Magee, 'Horse Racing At the Flying Horse' tells how a handful of gentry held a horse race around 1650 but little else is known of the occasion.
Within 30 years, the Earl of Ardglass and other noblemen petitioned King James II to set up a Royal Corporation of Horse Breeders within the county.
All its members were to be known as Freemen and it had the power to meet in Downpatrick or some other Co Down town every Tuesday of Easter week.
As well as having permission to race, the corporation was also permitted to hold a horse fair too.
Joan explains that a race transpired at the Flying Horse, Downpatrick, on March 16, 1690 and is especially significant as this race marked the beginning of what is one of the earliest flat racing courses in the world.
The winner was Colonel Byerley, who fought at the Battle of the Boyne four months later against the plate's donor – King James II.
Another interesting article written by Colm Rooney charts the history of cinema within Downpatrick.
Colm reveals that while Belfast had over two dozen cinemas, Downpatrick finally welcomed its first, the Pavilion Picture Theatre in St Patrick's Avenue, at a glitzy opening ceremony on Wednesday June 21, 1916.
It was a huge event for local entrepreneur, Downpatrick man, William Tweedie who watched as locals queued up to pay over one shilling to see the Prisoner of Zenda, the first movie ever shown in the cinema.
The cinema later moved to Market Street in the early 1920s with the Breen family taking over the running of the business around 1926, which ran until the 1990s.
Another article, Downpatrick by Gaslight, written by Andy Gilmore, reflects on the journey of natural gas over the centuries in Downpatrick.
Andy points out that the use of town gas in Ireland dates back to 1764 when gas for lighting streets and homes began to be produced from coal.
However, it wasn't until 1845, and a concerted effort by the townsfolk that led to the foundation of a gas company that brought the energy source to Downpatrick.
A site on Market Street was agreed for the gasworks in 1846 and it opened later that year. The gasworks closed in 1953.
There are many other fascinating stories contained in the latest edition of the Lecale Review. It costs £8 and is available from a number of local outlets.


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We're expecting a little Trubulance!!
Posted: Mon Apr 24, 2006 7:47 pm
The old 727/200 had been getting a real workout on a trip dodging thunderstorms and turbulant approaches to minimums on every segment. We were feeling the strain. We were on our last flight of the day ,a flight from New York(LaGuardia) to Detroit(Metro). The flight time less than an hour long. Take off was a bit bumby bit uneventful. The captain advised the no 1 cabin atendent that he will be leaving the seatbelt sign switched on. This was read out by the number 1 while the inflight food was being served. " Ladies and Gentelmen the captin has advised me he will be leaving the seatbelt sign on for the remainder of the flight due to turbulance please hold your drink in one hand and your nuts in the other" The whole plane laughed and only then the number 1 only realised wat she said!![/u]


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The Pros and Cons of Homeownership
Are you certain that you want to be a "homeowner"? Are you aware of the responsibilities that come along with homeownership?
Here are some Advantages of Homeownership:
- Homeownership Builds Wealth over Time
- Every month when you make a mortgage payment, a portion of it goes toward paying down the loan thereby increasing your equity (as opposed to renting where it fully benefits the owner of the property instead of you).
- Over the long term, housing has an undeniable record of solid appreciation.
- In the past 15 years, the net worth of the typical homeowner has ranged between 31 and 46 times that of the net worth of the typical renter.
- Housing is a hedge against inflation.
- If you own a home, it will go up with, or at least influenced by, the rate of inflation.
- Real Estate is one of the only investment vehicles in which you can leverage your money for gains. Think about it- you are partnering with a lender and the lender is typically investing the majority of the money needed to purchase your future home. You may be coming up with a down payment of 3, 5,10, 20 or 25% and the lender comes up with the rest.
- Housing appreciation of 5% creates a greater return on your actual money invested than stocks going up 5%. This is because housing appreciation is on the value of the house, not on the down payment of the house.
For example, if you invest $40,000 as a down payment on a $400,000 house and its market value appreciates 5%, you would gain $20,000 in equity. If you invest the same $40,000 in stocks and they go up in value by 5%, you would gain $2,000 in value.
- Stable monthly mortgage payment.
- Having a consistent monthly mortgage payment is unlike renting, where a landlord can choose to raise the rent on you when it comes time to renew your lease, or worse, tell you to move out at the end of the lease.
- Pride of Ownership.
- There are psychological benefits to owning your own home.
- Home-owners can personalize their home to their heart's content (there may be some restrictions of course if you are within an HOA community).
- Tax benefits. Some mortgage-related expenses are tax-deductible (talk to your tax advisor for more details and qualifications)
- Write off the cost of the interest that you pay on the loan each year
- Write off the cost of the PMI (PMI is the mortgage insurance that you'll likely need to pay if your down-payment is less than 20%) that you pay each year, if applicable.
- Avoid paying capital gains taxes when you sell (currently this applies if you've lived in the home for 2 of the past 5 years prior to the sale).
- Deduct points paid at closing
- Deduct property taxes
- Deduct moving expenses if you move because of a new job or job transfer
- Home offices can be another source of tax deductions
- The potential for positive cash-flow.
- Over time, you may decide to move. You may be interested in renting your home rather than selling it. If your mortgage payment is $1800 and you can rent your home out for $2,600, you may want to rent it out and keep that extra money in your pocket every month and also get the added benefit of long term appreciation. This option is certainly not for everyone but is an option nonetheless.
- The opportunity for pulling cash out of the equity you have in the home.
- In the long term, you will likely have quite a bit of equity in your home. It may be possible to do what we call a "cash-out refinance" or HELOC (Home Equity Line Of Credit). This would essentially free up a sum of cash by borrowing more money from the equity in your home. Often times, this would result in a higher monthly mortgage payment in exchange for getting a lump of cash. An added benefit is that this cash would be tax-free.
Here are some Disadvantages of Homeownership:
- You Could Lose Money.
- If you only plan to live in a house a few years before selling, you could lose money. Unless you either buy a house at a discount (compared to other recent sales in the area) OR the housing market is going through a strong appreciation cycle, you may want to consider renting instead.
- Potential to cost more monthly.
-Your monthly mortgage payment together with the cost of utilities may be more than what you would spend when renting.
- Repairs and Maintenance
- Homeownership is a long term commitment. It is your responsibility to keep up with maintenance and repairs on a house over the course of time. This could mean things such as painting the exterior, trimming trees, replacement of the roof, furnace, water heater, garbage disposal, etc. If you buy a condo or townhome, the exterior responsibilities may be reduced or eliminated as a result of an HOA fee that you and other owners of the neighborhood pay which theoretically creates a pool of money that goes toward the exterior repairs and maintenance. If the pool of money isn't large enough to cover the exterior expenses (such as replacement of roofing, siding, painting, etc.), the HOA will have the ability to charge you a special assessment to increase the pool of money so that the critical expenses can be paid. The special assessment could be a few hundred dollars or tens of thousands of dollars and the HOA may tell you that you have one year (or less) to pay it. Therefore, it's critical to assess the financial stability of the HOA in relation to the deferred maintenance of the complex when buying a condo or townhome.
- Decreased mobility
- You may not be ready to settle down in one place.
We're Here to Serve You
If you are a first time home buyer and want to understand the entire process of buying a home before writing an offer, we can certainly help. We are very much into details and are happy to share our knowledge and experience with you so that you can make informed decisions throughout one of the most important purchases of your life. For a free, no-obligation consultation, please contact us.
Here's what a few of our past clients took the time to write:
We worked with Kirk Wittig of Boulder County Realty. He was AMAZING! He made the selling and buying process as stress-free as it could possibly be! He is incredibly knowledgeable, never annoying and we always felt like he was putting us first and working hard for us! I hope we don't need to use him again in the very near future (because I hate moving!), but I give my highest recommendation to anyone looking to buy or sell. I know you will be as impressed as we were!! Thanks, Kirk!Andrina S.
I recently relocated to Boulder and worked with Kirk to buy my condo. Kirk was recommended to me by a colleague. He was every bit the expert and skilled negotiator throughout the entire process. I found my condo in record time thanks to the fact that Kirk listened to my gotta-haves and never evers . He was truly my advocate during the offer and inspection phases. One thing is for sure, he won't let you go hungry while house searching! He introduced me to an adorable local restaurant over lunch and the best ice cream on the planet! Hmmm..Glacier Homemade.Caty M.
Kirk was great to work with. He had asked us several questions in the beginning of our search for a home in Louisville and clearly listened to what we had been seeking. He had suggested a few homes in addition to the ones we wanted to see. Somewhat shockingly, we fell in love with one that he had picked out. He even got us a great deal on financing a brand new kitchen and two new bathrooms wrapped into our mortgage. We have a great interest rate and he also got us a moving truck when we moved (we just lived 20 minutes away). What more could we have asked for!? It's as if he anticipated everything we would need before we even knew we needed it.Deb K
The best part of all? He didn't cost us one penny! The sellers paid him a commission. This was our first home purchase so we weren't initially aware of who pays what.
We asked lots of questions and he answered all of them. Some of them he didn't know right away but he quickly reached out to one of his seemingly numerous contacts and had our questions answered. Super happy that we found him! Thanks again, Kirk!
The best part of all? He didn't cost us one penny! The sellers paid him a commission. This was our first home purchase so we weren't initially aware of who pays what.
We asked lots of questions and he answered all of them. Some of them he didn't know right away but he quickly reached out to one of his seemingly numerous contacts and had our questions answered. Super happy that we found him! Thanks again, Kirk!
Kirk was professional and a pleasure to work with. He clearly understood our particular needs and only showed us properties that fit our criteria. He was well prepared when he took us to look at properties and is quite in touch with the local market conditions. The entire process went quickly and smoothly, thanks to his knowledge, forethought and experience. If/when we need a realtor in the future, we absolutely will call Kirk.Gary J.
Kirk is a fantastic realtor who always keeps the best interest of his client's in mind. He is readily available to answer questions and attends to the needs of his clients. Kirk's approach is very professional but also personable, which makes the process of house hunting enjoyable!Jeanne C.
I was out of town on a work assignment the entire month of my home purchase. Kirk was my buyer's agent and did an amazing job of making me feel like I wasn't 1800 miles away from a huge investment. He is extremely responsive and knowledgable, but most importantly he has great integrity. He was honest and straightforward with me at all times and went out of his way on many occasions to correct other peoples shortcomings. One example of this was when the home inspector did not complete an attic inspection and refused to go back without additional payment. Kirk took it upon himself to make sure that the inspection was completed satisfactorily.Jim D.
As long as we're living in CO, Kirk will be our go-to Realtor. He helped us sell our home in Boulder and from our first meeting all the way through until we sold, Kirk was proactive, straight forward and responsive to our needs. We're still working with him as I write this. While it took us a while to find a house in Louisville with the amenities we were searching for, he patiently hung in there with us and we're now about a week away from buying our dream home. Something else that has stood out about Kirk is his ability to negotiate. He mentioned that he had been through some negotiations classes back when we had first met him and my wife and I hadn't thought much of it at the time. Kirk is a bit of a chess player when it comes to negotiations. He's pointed out things that we would have never thought of when buying or selling and has proven to us just how valuable he is! Hands down, Kirk Wittig is the best Realtor we've ever worked with.Ken S.
We had a wonderful experience working with Kirk Wittig in selling our home in Fort Collins. Our neighborhood was actually going down in value and new homes were about to be built near our house adding even more urgency to sell before it dipped more. We had our place on the market for 9 months and had to fire our real estate agent since she was getting zero results. This is when we met Kirk who was referred by another friend of ours as a great agent. Kirk came out, took his time explaining why our house didn't sell and how some minor improvements, professional photo's and exceptional marketing (which he really did well) would get our home sold quickly. After making the improvements that he recommended, our house was back on the market in two weeks and we sold our place in just over a month! Not only that, but we got a fair price even though the buyer was trying to play hard ball (because we had another buyer who also wanted it). Thank you Kirk! I highly recommend him, not all agents are the same, there is no doubt about that.Nick K.
I've got to say that I have never cared for Realtors! I've had so many horrible experiences with incompetent Realtors over the years. That and several friends have had less than competent agents too!Paul H.
I got Kirk's info from a colleague of mine that said just try him . I had him over and of course, everything sounded great but I was resistant to sign up (not because of him, but with any real estate agent). He got me to do so when he showed me a service guarantee which would allow me to FIRE him at any point if he wasn't doing what he said he would. OK- game on! I wish I had been handed those in the past!!
You can probably tell where this is headed- that's right, I never did fire him and honestly, had a great time working with him. He helped me sell my house just as he said he would and helped me buy another. I'm now exactly where I had envisioned being and he even got me one heck of a great deal. Take it from me, this guy is great at his job. He's not all slick and polished like the others I've dealt with and I like that. He's a straight shooter, and that goes a long way in my book. All Realtors aren't the same after all.
I got Kirk's info from a colleague of mine that said just try him . I had him over and of course, everything sounded great but I was resistant to sign up (not because of him, but with any real estate agent). He got me to do so when he showed me a service guarantee which would allow me to FIRE him at any point if he wasn't doing what he said he would. OK- game on! I wish I had been handed those in the past!!
You can probably tell where this is headed- that's right, I never did fire him and honestly, had a great time working with him. He helped me sell my house just as he said he would and helped me buy another. I'm now exactly where I had envisioned being and he even got me one heck of a great deal. Take it from me, this guy is great at his job. He's not all slick and polished like the others I've dealt with and I like that. He's a straight shooter, and that goes a long way in my book. All Realtors aren't the same after all.
Kirk Wittig is a great Realtor. He really knows what he is doing and is an excellent negotiator, you can be sure you are getting the best deal possible. He is also incredibly professional and well organized. I have worked with many Realtors and Kirk is one of the best. He will take care of everything to make your transaction as seamless as possible. I had a very difficult financing situation and Kirk was there to help me jump through the many hoops associated with the transaction. Everyone said it would be a miracle if we got the deal done, but Kirk found a way to get it done. Hire Kirk as your Realtor and you can trust you will have a someone who will really work for you.Russell L.


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Looking for some great people to work in a textile company!!
ALL SHIFTS 8 hour shifts!!
Entry level, skilled positions, weavers, creel hands, spinners, utility, size mixing, warp prep. and so much more!!
Must have valid transportation, Identification, and be able to work a 40 hour work week
We don't see our business as transactional, but building long-lasting relationships that help our clients locate the right employee for the job, and help job-seekers locate the perfect career.


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Tubipora musica, Organ-pipe coral, above and below is found in shallow, sheltered waters of the Indo-Pacific. The hard skeleton of calcium carbonate has many pipe-like tubes giving it its common name. In life each tube contains an 8-tentacles polyp, which are active during the day. The skeleton is red, but is obscured by the green or grey polyps. Colonies can be up to 1 metre across. Unfortunately this coral is widely collected for the jewellery trade.
Above is the Elephant skin coral, Pachyseris speciosa. It is found in the Indo-Pacific, and is widespread and common throughout its range. It tends to be located on the lowers parts of the reef, from 4 - 46 m deep. Its plate-like form allows for better light capture enabling it to survive at these depths.
It is fished for the aquarium trade, and when alive it is pale brown to grey, paler around the edges making it a very attractive specimen. A colony usually measures 10-20.
Above and below is Mushroom coral, Fungia sp. It is found in the Indo-Pacific. Unusually for a coral it is free living, so does not attach to reefs, and it has the biggest polyps of any coral. It can grow as large as 30 cm in diameter, and when alive is often brightly coloured, pink, red, purple and blue which makes it popular with the aquarium trade.
Related pages, main Cnidaria page - main Anthozoa page - corals 2, 1.


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At one time, this Leonardo was similar to his dimensional counterpart. However, the mysterious disappearance of his brother Donatello and the death of Splinter led to the deterioration of their family. A rift formed between Raphael and Leonardo, who disagreed about whether they could have saved their father. Unable to tolerate each other's presence, the two parted, leaving Michelangelo alone.
In the thirty years that followed, Leonardo remained alone, fighting against the Shredder and the Foot Clan along with April's resistance. He became heavily scarred and stopped wearing his mask, perhaps because he began wearing sunglasses.
This changed when a younger Donatello from another dimension was sent into the dystopian world by Ultimate Drako. Upon discovering that Shredder ruled the planet and his brothers had gone their separate ways, Donatello brought them back together. Leonardo and Raphael nearly launched into another fight upon seeing one another, but were interrupted by Donatello. Delighted to see his brother again, Leo eventually agreed to help Donatello destroy Shredder once and for all.
During the final conflict with Shredder and his forces, Leo fought Karai. He managed to defeat her, but as he was about to finish her, he was distracted by a Karai Bot. Karai took the opportunity to strike him down from behind, killing him.
His death served as a motivation for two of his brothers. Raphael, enraged at his brother's death, unsuccessfully attacked Karai and was himself mortally wounded. He died crawling towards Leonardo's body, calling out for him. Donatello was further spurred on to kill Ch'rell, avenging all three of his fallen brothers.
- Due to constantly wearing sunglasses, it was assumed by many that dystopian Leonardo was blind. However, TMNT4Kids (the 4Kids Entertainment-to-fans liaison) said that the script never mentioned him with any kind of vision impairment, only "scarred".


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Step into a New Orleans-inspired home featured on the 2018 House and Garden Tour
The Aqualane Shores home was built 18 years ago to recreate the original owner's childhood home in New Orleans, Louisiana. A new owner has made some changes, but kept the same Parisian charm.
Shelby Reynolds/Naples Daily News


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There is a new bi-monthly Nintendo magazine starting up soon, it is called Pure Nintendo Magazine.[1][2]
It sounds like it will be a new Nintendo Power. To old fans it may never replace Nintendo Power, but it sounds like it will keep Nintendo Power subscribers happy and help supply information to Nintendo fans.
Also it appears that it will be online as well as in print.[2]
Edit: It looks like a yearly subscription will cost $20 in print and $10 for a digital version of the magazine (online & on tablets), and $25 for both.
Hopefully this will end Nintendo's recent embargo on info about new games.
Community content is available under CC-BY-SA unless otherwise noted.


text: This Web site curates numerous community area movies and serves them to you personally. As MoviesFoundOnline doesn?�t host or upload any media on its own, it really works actively to delete the movies if there?�s some copyright infringement. "For P2P to continue to evolve sustainably, it is vital that investors http://webhard-lank38371.collectblogs.com/18472655/the-ultimate-guide-to-p2p


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With these encouraging data in hand, the next step was to get some consumer feedback on kill step-validated, hot water-conditioned pecans. To that end, Dr. Adhikari and his team evaluated consumer acceptance and purchase intent of dehulled and roasted pecans that had been preconditioned in hot water according to the aforementioned protocol. Results were published in January 2019.
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"We presented 112 consumers with roasted raw pecans as a control and roasted pecans pre-treated with hot water at three respective time-temperature combinations," Dr. Adhikari says. "The volunteer panel included LSU faculty, staff, and students, roughly equal numbers of males and females. Consumer acceptance was higher for hot water-treated pecans, with higher ratings on color/appearance and aroma. No effect of hot water pretreatment was observed by consumers on other sensory properties, such as texture and flavor."
Based on all of these results, Dr. Adhikari believes hot water conditioning holds greater promise than ever before for the commercial pecan industry. "Hot water conditioning has the potential to be regarded as a kill step to ensure the safety of pecans," he emphasizes. "The treatment will also enhance the color and aroma of the pecan without affecting its texture and flavor. Since hot water conditioning is already in practice by most U.S. pecan shellers, no additional cost is required for setting up the system."
During the Louisiana Pecan Growers fall field day in September 2018, Dr. Adhikari surveyed the producers and processors in attendance after he presented the results of his hot water conditioning research. "Some 80 percent of the respondents agreed that they will evaluate the microbial food safety risks associated with their pecan production and processing practices," he reports. "About 75 percent of the growers said they would be willing to adopt this technology within the next two to three years."
Dr. Adhikari says the hot water treatment process may hold promise for application to other nut species. "Hot water treatment has already been extensively used for tree nuts, especially almonds," he relates. "Recent research indicates that pine nuts, black walnuts, and chestnuts could benefit from hot water treatment by reducing food safety risks and increasing shelf life. However, thermal processes validated for one nut type cannot be generalized to all tree nuts. The efficacy of hot water treatment may be affected by the shape, size, surface area, or other characteristics associated with each specific nut species. Therefore, validation of hot water treatment for each type of nut must be performed before commercial use."


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Not sure how I feel about this. It is funny - I laughed. But, it's also on the "riske´" side...to this old Baby Boomer gal. Maybe for today's young woman, it's appropriate humor. I could see those of us from the old Laugh-In days getting a kick out it. (check... Read more →
Laughing In The Face Of Frustration
April 10, 2009
By Guest Blogger, Mary Schmidt, Marketing Troubleshooter Laughter and tears are both responses to frustration and exhaustion. I myself prefer to laugh, since there is less cleaning up to do afterward. - Kurt Vonnegut It's been one of those weeks. If I could drop it, break it, misplace it -... Read more →
For those who were not lucky enough to listen to yesterday's podcast with Rhonda Shasteen, Chief Marketing Officer of Mary Kay cosmetics, about her new blog, Reflections, please hop over to Part I and have a listen. Rhonda is a unique individual - she's a down-home gal, from Texas, who... Read more →
I can't help it - I'm having one of the best days of my blogging career. Regular readers know that I like to conduct interviews. I especially like to interview women in business who offer insight into how to create success. BUT...like many of you, I also aspire to speaking... Read more →
This evening I'm speaking at an event and the theme is: "Marketing Your Business in Tough Times Through Social Networks" (the event is free and there's still time to register if you want to attend!). Which started me thinking... Read more →
It's a sad world we live in when comment spammers are smarter than the system they spam. Perhaps it's always been so and will continue to be so. Spam is a virulent disease we all must deal with, from time to time, and my usual reaction is to merely hit... Read more →
By Guest Blogger, Mary Schmidt, Marketing Troubleshooter In his post today, Seth Godin notes that, "Selfish short-sighted marketers ruined it for all of us. The only way out, I think, is for a few marketers to so overwhelm the market with long-term, generous marketing that we have no choice but... Read more →
April, contrary to the popular poem about it, is NOT the cruelest month. April is the real advent of spring, with the re-emergence of green grass and budding bushes. I always like to watch the leaves slowly unfold on all the trees in our neighborhood. One day they're just buds... Read more →
By Guest Blogger, Donna DeClemente, Donna's Promo Talk Last week I attended SES NY (Search Engine Strategies) which was a three-day conference that comes to New York every March and is visits cities around the world. I attended last year and thought it was great, so I went back for... Read more →


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