text:
The following is the transcript from Episode 19 of Retire Happy with Roger Gainer, a financial and business audio podcast.
Roger: I think the decision to finance your principal residence is one of the most impactful decisions you can make when it comes to your personal financial security. The wrong decision can cost you big time and force you into making some very, very uncomfortable awkward and negative decisions on your own behalf. So head that off at the pass by making wise decisions around your mortgage.
Clark: You're listening to Retire Happy with Roger Gainer, President of Gainer Financial and Insurance Services, Inc. Thanks again for joining us. I'm your host, Clark Buckner.
One of the most important financial decisions you can make is to own or finance a house. Over the past decade, it's become increasingly difficult for many people to buy a house or keep up with a mortgage that they already had. In this episode, we'll cover the challenges of homeowners and prospective home buyers face and what you can do to avoid those obstacles. Along the way, Roger will share with us the best time to pay off your mortgage. For more content like this, be sure to visit gainerfinancial.com. Enjoy the conversation.
Well, Roger, welcome back. I'm really looking forward to digging into today's topic is all about when is it a good time to pay off a mortgage? And is there a good time and all of the above? But first, how are you doing?
Roger: I'm doing great. Really, really enjoying some of the well some of the new things we're doing here at Gainer Financial. We've been working on some new initiatives and I'm pretty excited about them. Hopefully, we'll have some announcements in a future webcast, but we are adding services and incorporating some new folks here at the office. And so it's an exciting time as far as I'm concerned.
Clark: You're always doing new and exciting things. So let's jump right in. So you wrote a post, this is a couple of years ago and it's titled, Should I Stay Or Should I Go: Tough Choices For Retirement. And more or less it's just examining how sometimes people get to the point where they're forced to sell their home just to afford their living expenses and care. So our conversation today is trying to help someone avoid getting to that point when their hand is forced. And so that's kind of the whole context.
Roger: Well, I do consider this one of the most important decisions that people make is how do we own and finance our house? For most of the people I work with, because I do work mainly with middle-class folks, their house represents a very significant asset in their overall financial life. And when I wrote that post, Should I Stay Or Should I Go, it was because I just had a succession of new people coming to see me who they were hurting. They owned a house here in a beautiful area. We live in Marin and we have very expensive real estate as most people know. And here they were millionaires because they owned a piece of property, but they were worried about paying their taxes. They were worried about maintaining the house. They were worried about having enough to eat and in some cases, they had health issues that they needed to address and they just didn't have the cash flow or the money to do those things.
So I started researching because this was coming up over and over and over again. And then I started realizing this isn't just something that happens here in California or Marin County. Really, it's relative, it happens all over the place. It's one of the saddest things in the world. You live in a house for decades. You raise your family. Now, you're looking forward to kicking back and really enjoying the house. It's like putting on an old pair of sneakers. That house gets comfortable after a while. Certainly, of the big issues that I talk about with my clients is can you age in place? Most people tell me, "I really want to stay in my house." If you got a lot of stairs or you live on a hillside or something, you may have other reasons, but when it's really unfortunate is when economic reasons take you out of the place you intended to live for the rest of your life. And I find that a profoundly sad.
Clark: To follow-up on that, so this is basically around the considerations that someone should be thinking about and when someone asks you, "Is this a good time to pay off my mortgage?" Let's transition over to that. When people are getting their hand forced on something did they, do they still have a mortgage, and they paid it off? What's really happening beneath that? And how can you avoid getting in a tight squeeze?
Roger: Well, it's a great question because, and it's one I'm really surprised. I understood back in 2008, 2009, 2010 people were just nervous as all get out by the stock market and this and that. In fact, I just had this call yesterday from somebody who was looking to buy a new house and they were asking me about financing and paying it off. And last week I had somebody contact me when we posted this blog post I received responses from folks thanking me for the analysis because they were struggling with this very issue. It's certainly something that is on people's minds. So how do you decide if it's a good time to pay off your mortgage?
The first thing is like most folks I see the damage that failure to do a good job of managing debt can cause. But a mortgage debt is very different than credit card debt, student loans, car loans, those kinds of consumer debt. When you're paying something off in installments that is losing value or not retaining value or is guaranteed to lose value, just like your car, right? You drive that car home, that brand new car just lost 20 to 25% of its value, just leaving the lot and heading to your house. Now, you're what a lot of people call underwater the second you buy that automobile. But a house is a little bit different.
First of all, the houses is much bigger and a lot of this notion of paying off our mortgage came from our parents, the generation that grew up and bought houses in the 50s and 60s and even earlier than that. And their parents, our grandparents, who saw their neighbor's losing their home to the banks back in the 30s during the Great Depression.
And so this fear of being beholden to the bank became pretty common actually, "Gee, my neighbor made their payments for years, and then the bank took the house anyway." Now, I want people to understand, first of all, that can't happen anymore. There have been lots and lots of new laws and rules put into place to protect consumers from having their mortgages called. And I'm not going to go into exactly how the Great Depression occurred and it's ramifications on the banking industry. But if any of our listeners want to have that detail and that background, give me a call. [crosstalk 00:08:24] It's really a fascinating story and I'm happy to share it.
But today you cannot have the bank just say, "Pay off your mortgage in 30 days or we're going to take your house." That just can't happen anymore. And the other thing is, for our parents who bought houses in the 50s and 60s, they paid 20,000, 50,000, maybe 70,000 for a house, a really big house, and it only represented a fraction of their overall financial picture. They had pensions. They had relatively larger Social Security benefit and so it was just kind of 10, 15% or less of somebody's overall financial picture.
Today, it's not uncommon for somebody home to represent 40, 50, even as much as 70% or more of somebody's overall financial resources. So the decisions you make when it comes to financing, owning, paying for your house have significant, not just short-term ramifications, but long-term ramifications.
Clark: As you've written before. There's been a lot of people who think their house has been their best performing asset and it sounds like one of your responses is clearly that it isn't true. Could you tell me a bit more about why that's the case, especially through that lens that you're talking about right now? Just why this day …
Especially through that lens that you're talking about right now, just why this debt is different. Why a mortgage is just different than other debt.
Roger: I'll use my house as an example. We bought the house we live in, in 2004. And since that time, the house has almost doubled in value. So that seems tremendous. I mean 14 years doubled my money, it's appreciated hundreds of thousands of dollars in value. We don't know that for sure, I'm not selling the house this week, but at least on paper it's virtually doubled in value. And a lot of people say, "Wow, look at all those hundreds of thousands of equity you've got now." But the thing to understand is first of all, over 14 years doubling your money means you made about a 5% rate of return. That's an awful lot of things over the last 14 years that would've returned 5% compound returns and more.
And that 5% does not include the cost of ownership; the taxes I pay, the home owner's insurance that I pay, the interest I pay on my mortgage, and it doesn't not count the maintenance on the property. If we factor all that stuff in, even here in one of the hottest real estate markets in the country for the last 10, 12 years, we're only slightly ahead. So I think of a house as an asset, like you said before, but certainly not as an investment. An investment is something that pays you.
So a house is kinda like having another kid, only sometimes it's a lot more expensive than having another kid. You pay it. And you hope it appreciates and it gains value. It's not a guarantee, there's a tendency for people to always believe that their house goes up in value. I had an old friend and client recently who had moved to a new town to be closer to the rest of his family and his grandkids, and the house he left, which was a beautiful house, he was the only owner. It took he and his wife almost a year and a half to sell that house. And they had to cut the price by $150,000 just to get it sold over that timeframe.
And that price cut meant that they lost money on living there. Now, there are other reasons to own a house than making money. And unless you're a house flipper, those things should be your primary influences on your decision to purchase a house in the first place. What we do here at Gainer Financial is we just wanna minimize the economic damage that paying for that house incorrectly can create.
Clark: You talk about economic damage, I'm curious about economic factors that may be considered based on the time that someone is on maybe paying off or not paying off their mortgage. Or maybe approaching it in a certain way. You mentioned some earlier dates; 2008, 2009, different time than it is right now. But what are some economic factors someone should be using in this general consideration mode?
Roger: Sure. Well since you brought up 2008 and 2009, one of the things that people forget is during that era, that downturn was largely caused by a lack of liquidity. So think about it, if your house is work $500,000 or $1 million and you don't have a mortgage and that's over half your money and you need to access that capital, you're not in control of your money. You have a gate keeper. You either need a buyer or a banker to cash you out. You can't just go out to the porch and knock a few bricks off, run down to the local Safeway and say, "My house is work a half a million dollars, here's $100 worth of my property I wanna buy dinner tonight." They're gonna look at you like you're crazy. So you have this asset, but what is is really doing for you?
You hope it's appreciating, you do have pride of ownership, but when you stop and think about the rate of return your own equity is earning, it's zero. Now, I know there's some listeners right now that are going, "Wait a minute, wait a minute. My house went up in value, that means I made money on my home equity." But if you stop and think, the value of the house going up has nothing to do with whether I have a mortgage or I don't have a mortgage. The house goes up and down in value based on the market, not my financing. So that's how you know that your home equity is guaranteed to earn you a 0% rate of return.
Now, Clark, if I came up to you as a potential client and I said, "I've got this fantastic investment. You get to make monthly contributions. If you miss a few months of contributions however, you might forfeit all the contributions you made to this account previously. By the way, when you put money into this account, every time you make a deposit your taxes are gonna go up. And oh yeah, the money that's in the account, you can't get it back. It's not liquid. Maybe in the long-term you might be able to receive some of that, those deposits back. But in the short run you can't get them back out once you've made those deposits. And oh yes, your money is at risk, you might lose money, you might make money, but you won't know for years, and years, and years, how much would you like to invest?"
You'd probably ask me to leave immediately. But that's what most mortgages are doing. You're paying down your principle, and every time you make that payment your taxes go up because the amount of deductible interest goes down. That money is now part of your equity, but you are not in control of that equity, you cannot get it back. And your guaranteed rate of return of 0%, it's not that hard to make more than zero. I mean zero's great if the market's dropping by 50%. But if we can make interest of even 2, 3, 4% that's way better than earning zero. That zero become a stranded asset that's really kind of a drag on your overall performance.
So Clark, liquidity is one of the most under-appreciated or over-emphasized elements of financial planning. Most people want liquidity in areas where they don't need it, or maybe it's to their detriment. We've talked about that before with higher risk type assets. But with home equity and that loss of liquidity, if you just dial back 10 years and you look at so many people that lost their homes or lost their real estate investments, it was because they didn't have liquidity when things fell apart.
I hear from people all the time, "Well I've got an equity line, I don't need liquidity, I can write myself a check anytime." Well it wasn't that long ago, back in 2008 and nine that the banks froze everybody's home equity line at the outstanding amount of debt. So if you had a $250,000 home equity line and you borrowed $35,000 say. One day you went to write yourself a check and they said, "Oh you're maxed out on your equity line, which has now only got $35,000 of available credit." And the banks had to do that because they didn't know what the value of the collateral is. That collateral, that's the key concept here, what makes the debt on a home or a piece of real estate different than the debt we talked about earlier on a car payment or on your Visa card.
It's that notion of collateral of a store of value that is backing the debt. So we use a different sort of process. And I'm not a big fan of debt, I mean sometimes we use that leverage because we have to, to buy the property. But in the long run, managing a mortgage can actually make it safer. So if we got two neighbors; neighbor number one buys a house for $1 million, pays cash. Neighbor number two, they could pay $1 million in cash, but instead they take out an $800,000 mortgage and they put their $800,000 into a very conservative account earning say 3 or 4%.
Clark: And when you say a conservative account, is this … What kind of account is that?
Roger: Well we don't wanna speculate with your home equity.
Clark: No speculation, okay.
Roger: So we're not gonna buy penny stocks, or go play in the commodity markets. We're not gonna be looking for IPOs. We're not going to be looking for IPOs and that sort of thing. It's your home equity, you don't want to put it at risk.
Clark: But what you're saying, instead of just putting it straight up on paying that house, just keep it somewhere really safe, but it might be having a little return?
Roger: Right, which helps to reduce the cost of owning the house, actually.
Clark: So, 34%? That's not going to be a savings account. Again, I guess we can't speculate.
Roger: We have lots and lots of very conservative options that are going to earn three to 5% without risking your principal. If any of our listeners want to talk about what those kinds of things are I don't talk about product on these broadcasts.
Clark: Right, we need to come talk to you.
Roger: I don't want to be specific.
Clark: Everyone's different, every situation is different, right?
Roger: Right. And what's appropriate for one, may not be appropriate. Today, I really just want to emphasize the strategy, and being in control of your personal financial situation. See, if you keep that 800,000, I don't need a banker or a buyer to cash me out. I've already got the cast. Oh, by the way, I know it's hard for people around here to believe, but like I said about my friend who lost money on his house, if that equity is outside of the house, and the house value does go down, I still have my equity. I didn't get squeezed, so I actually-
Clark: That is very interesting. I never thought of it like that.
Roger: Yeah. Okay, I'm in control of the equity. And in a lousy market like we had in '08, '09, when you couldn't find a buyer unless they were going to pay you 30 cents on the dollar, that's what people were buying houses for, 30, 40 cents on the dollar, sometimes less. If I had that equity I could go out and find a non traditional buyer, because I don't need them to cash me out, I just want to get off title. So I can go and do a lease option, I can do an installment sale, I can lend back the down payment, they can go get a conventional loan. So, in a bad market, I broadened my potential market for buying my property. So, there's all kinds of layers to this. But one of the concepts I try to teach is called lost opportunity cost. That's the silent killer of building wealth. And lost opportunity cost, as we've taught before, Clark, every dollar you touch you can only do two things with it. What are they?
Clark: I guess you can spend it or save it?
Roger: That's it. Those are the only two things you can do.
Clark: Okay, good.
Roger: You get an A today. And when we save it we want to earn a rate of return. When we spend it we lose the opportunity to earn a rate of return. So, that's the lost opportunity cost, that's the cost of financing. So, if we paid cash for that house, that million dollar house, and i can make 5% somewhere else, my house better go up in value by $50,000 a year just for me to break even. And that's not counting the ongoing cost of ownership. So, one of the things I'm hearing a lot of on the radio, and on television, and seeing ads in the paper these days, is for shorter term mortgages. And I just want to put out a little warning on that. People are saying, "Don't you want to get out of debt? Take a 10 year mortgage, take a 15 year mortgage, and pay it off." Well, I would encourage you to take a 30 year mortgage and bank the difference. And if you earn about 3% on that difference you'll be able to pay off the house in less than 15 years.
But, 15 years from now you just don't know if that's your best move. So, this buys you much more flexibility and control if we pay off that mortgage on our balance sheet. If I know at any time I can pick up the phone and I can transfer the money out of an account and pay off that mortgage, and most accountants will tell you, you're balance sheet is in balance. There's not debt net. And that's a critical factor to understand, because now, using the same asset as the guy who paid cash, I am diversified. I have money for opportunities, I have money to face downturns, I have liquidity for opportunities. And the other thing that people don't understand is something called Gresham's Law. Gresham was an economist to the British Crown, I believe back in the 17th century, and he came up with Gresham's law, which says, "Good money is forced out by bad." If you think about it, back in 1973 I could send a first class letter for eight cents. Today that same letter costs me almost 50 cents. So, that's what we mean by good money being forced out by bad.
A dollar tomorrow is not going to be as valuable as a dollar today, it's not going to buy as much. Does that makes sense, Clark?
Clark: Right.
Roger: So, the bank loves these short term mortgages, because today's dollars are going to be the most valuable ones. So, if they can get your more valuable dollars back they get to turn that dollar over, and over, and over again. It's much more profitable for them. If we have 3% inflation that means that my mortgage payment out 24 years from now is only going to be worth 50 cents versus today's dollars. You follow that?
Clark: That's right.
Roger: I want to pay the bank back with less valuable dollars, I want to keep as many valuable dollars for myself. Does that make sense?
Clark: Yes, that makes sense. It's one of many valuable tactics, and strategies, and options that I know you work with your clients on. So, the final thing to mention, a next step someone can take with you, is something I've heard called the mortgage master analysis. So, what is that, and how could that potentially help someone think through their current situation, and look at all the options?
Roger: Well, a mortgage master analysis helps you to understand the true cost of your mortgage. Because mortgages do get some tax benefits, you need to include the value of those benefits in your analysis. So, I'm offering anybody listening, they can come in and we can run an analysis so you can see the actual cost of your mortgage, and you can compare it to other refinancing options. As a full disclaimer, I do not do mortgages, I do not sell mortgages. I do know a lot of great mortgage brokers if you don't have a great one, or I can help you to train yours to give you the kind of mortgage that really serves your overall financial plan. I hear people advertising a 15 year mortgage actually costs less, will save you hundreds of thousands of dollars in interest, and that plain isn't true. And I can show you, and demonstrate, and help you to understand that, so that you can free up money to help secure a happy retirement for yourself. So, just call the office. It doesn't take a long time, we gather a little info.
You bring in a mortgage statement, we plug it into the software and we walk through the tutorial so that you will understand exactly what's going on.
Clark: Got it. Thank you, as always, Roger. Enjoyed our conversation, and I can't wait for our next dialog around these really important topics.
Roger: Thank you, Clark. Things definitely stay interesting around here.
Clark: Thanks so much for listening to this episode of Retire Happy. Be sure to head on over to GainerFinancial.com to download your thought organizer to get started. Roger L. Gainer, CHFC, California Insurance License #0754849 is licensed to sell insurance and annuity products in California, Illinois, Arizona, Pennsylvania, and New York. Roger L. Gainer is an investment advisor representative providing advisory services through HFIS Inc., a registered investment advisor. Gainer Financial and Insurance Services, Inc. is not owned, or affiliated with HFIS Inc. and operates independently. Thanks again so much, and we'll see you next time.


text:
Back by: HyonJoo.Kim on March 8, 2019 03:48 AM
tvN 'Her private life' scenario reading was revealed. Park Min-young - Kim Jae-wook's limited-time chemi is stimulating preliminary audiences and boosting their expectations.
The TVN new drama 'her private life' (directed by Hong Jong-chan / dramatized Kim Hyeyoung / original sang fan / co-produced factory, studio dragon) is a perfect curator at work, but if you know it, Full-fledged romance with romantic boss Ryan. Park Min Young and Kim Jae-wook will play the lead role and Hong Jong-chan will take the megaphone and wake up the potential for romance in springtime.
Kim Jae Wook (Ryan Station) - Ahn Boo Hyun (Nam Eung Station) - Park Jin Joo (Lee Sun Ju Station) - Jung Jae Won (Chas Xian Station) - Kim Jae Wook A lot of cast members including Hong Seo Young (Choi In-In) - Kim Mi Kyung (Ko Young Sook) - Park Myung Shin (Nam Seon Yeon) - Lim Ji Kyu (Kang Sung Min) The actors who are already attracted to the characters are raising interest in drama.
First of all, director Hong Jong-chan, who directed the director, said, "I thought what I could talk about the virtue, but it is a great drama even more than I thought." I think I am the least of all, and I will prepare hard. " All the actors and staffs gave a lot of applause and cheers and showed affection.
Park Min-young of the "Seongdeokmi" station laughed at the scene as "I will do my best," saying that it was the first time that I was full of fighting. Then, in the full-scale reading, Park Min-young was a curator at the museum, a perfectionist at the house, and a gap gap of 180 degrees inside and outside the house. Park Min-young has been tearing off his clothes and showing off her crush with her cheeky face, but she was unable to close her mouth while watching the 'idol' video at home.
In the meantime, Kim Jae-wook of 'Ryan' station booked 'Loco-Namjin' seat of 2019 this spring with an extraordinary physical and warm atmosphere. Kim Jae-wook said, "Thank you very much." After giving a short but careful greeting, the ambassador tickled my mind with an attractive bass voice. Especially in a chilly and chic atmosphere, he showed a nice face of cold and unhappy, but he showed a smile on his face as an unexpected reversal. Expectations increase with the different charm he shows.
Most of all, Park Min-young and Kim Jae-wook boasted that they could not believe it was their first breath. The romance that the two people will draw will draw attention.
In addition, Park, Hyun - hyun of 'Nam - ee ki', showed her warm charm as a good - love for Park Min - young. In addition, Park Min-young and Kim Mi-kyung made a smile of a hundred-fold sympathy with "Realistic Mother Kimi"
"Her personal life" crew said, "Despite being the first script reading, all the actors have performed so badly that it seems like there actually existed a person." Especially, Park Min-young and Kim Jae- "I hope you will enjoy this broadcast," he said.
On the other hand, TVN's new drama 'Her Private Life' is scheduled to be broadcasted at 9:30 pm on April 10, followed by 'Sincere'.
Kim Jae-wook takes on the role of Ryan Gold in her 'private life' and goes on to update her character. The TVN, which is scheduled to be broadcasted on the 10th of this month, is a perfect curator in the workplace, but if you know it, you will find a new drama "her private li..... by asian
'Her private life' has revealed a mysterious 'Deux Post' dictionary for beginners. On the 5th, TVN new drama 'her private life' is stimulating the interest of viewers by introducing novel and different material called ' Among them, 'her private life' introduced the ..... by asian
Actor Kim Jae Wook This raised expectations for the drama in adult romance "her personal life." Actress Park Min-young, Kim Jae-wook, Ahn Bo-hyun and Hong Jong-chan PD participated in the production of a TVN new drama "Her Private Life" (play Hye Young Kim, Director Hong ..... by asian
Kim Young-wook's personal life of tvN 'TV' Kim Jae-wook acted as the director of Ganjae Ganja, 'Ryan' He is a person with powerful influence and reputation enough to control the art world. He is appointed as the new director of the Chungmu Museum and enters the wor..... by HyonJoo.Kim
First meeting of the artist's auction house in the fireworks of Kim Jae-wook is caught and focuses attention. The TVN new drama 'her private life', which is scheduled to be broadcasted on April 10th, will be a perfect curator at work but if you know it, you will have a f..... by HyonJoo.Kim
'her private life' Park Min-young - Kim Jae-wook's fascinating art auction site is caught the first meeting, focuses attention. The TVN new drama 'her private life', which is scheduled to be broadcasted on April 10th, will be a perfect curator at work but if you kn..... by asian
main poster, which can not help falling in love with TVN 's private life, is revealed and summons Deutsche Fouden around the world. The new TV drama 'her private life' scheduled for the first time on April 10th is a perfect curator in the workplace, but if you know it, i..... by asian
The first shot is still "in her private life 'extraordinary force of Kim Jae Wook contained was released. The TVN new drama "her private life" (directed by Hong Jong-chan / drama Kim Hye-young / original sister fan dot com) will be broadcasted for the first time on April..... by asian
tvN 'Her private life' scenario reading was revealed. Park Min-young - Kim Jae-wook's limited-time chemi is stimulating preliminary audiences and boosting their expectations. The TVN new drama 'her private life' (directed by Hong Jong-chan / dramatized Kim Hy..... by HyonJoo.Kim
tvN 'her private life' in the lineup of the 'hot star cast' was confirmed with the appearance of Ahn Bo-hyun, Park Jin-joo, Jeongseewon and Hong- tvN The new drama 'her private life' is a perfect curator at work but if you know it, Park Min-young will play Seongduk Mei ..... by asian
We welcome your comments, but please be civil, DO NOT SPAM ON TOPIC. Comments deemed inappropriate will be removed and repeat will banned. Commention is a provilege that will be revoked for violations od our Comment Policy .
Comments from our old comments platform are still in the process of moving over. If you notice any comments missing they will likely re-appear soon. Thnk you for your patience.

subset: commoncrawl


text:
Jade eyes,
Melting the Sahara sand,
Many men had speculated,
What was her hidden agenda?
Being in a place like this,
Dusty bar stools,
Smell of liquor and tattered dreams,
She seemed like a jewel among thieves,
Sauntering in quietly,
Up to the counter,
Softly she spoke,
"Have you seen this man?"
Producing a crumbled picture,
Old and faded,
With a sigh,
"He just left here,"
The portly bartender exclaimed,
Pupils narrowing,
She nodded,
"That's all I needed to know!"
Grabbing the photo,
As quick as she arrived,
Out the double doors,
She was headed,
"Wait! Why are you lookin' for him?"
A tall thin man from the corner of the room called,
Face hidden,
Stepping into the dim light,
He smirked,
"He broke my heart many moons ago",
She stammered,
Then as swift as a blink,
A bullet flew through the air,
Slicing the man's expensive suit,
Piercing his chest,
"So I figured I'd break his,"
The man slumped to the ground,
As the woman turned and walked away.
© Elizabeth Daniel
Excerpt from Diary of a Poet
Diary of a Poet by Elizabeth Daniel
Diary of a Poet is waiting to be discovered, devoured and shared. It is a privilege to witness this brave poet pour out her heart and reveal so much of herself within these pages - hopes, desires, fears, and accolades laid bare for one and all to feel.Many will find this collection of poetry relatable and engaging. At times candid and earnest, now and then intense and passionate, reading this book is like curling up with an old friend. It warms your heart through and through, and leaves you feeling reassured.
- Price above includes shipping and is available for USA shipments only.
- Also available at Amazon.com
- Please use Amazon for all International orders outside the USA.
Did you know that by purchasing direct from the publisher the author receives the highest royalty rate? Support Indie Authors and Publishers by purchasing straight from the source, use the PayPal button above. Thank you.
About the Author
From a very young age, Elizabeth knew she was meant to be a writer. Around 8 or so, she started with little poems inside birthday cards. As years went by, poetry became her safe haven in a world full of chaos and beauty. Through written words, she found her voice. A voice according to doctors, she was never supposed to have. Today at 34, she still re- reads those poems from the early days. Now housed on her bookshelf in old binders.
Categories: author


text:
Francis Howell North staff wants to invite all parents to participate
in our Open House. This is a great opportunity for all parents to meet
the outstanding faculty, gather information about course curriculum and
class expectations, familiarize parents with student's schedule along
with the building, getting involved in the Booster Club and/or P.T.O.,
while having a chance to ask questions. We, the staff, encourage parents
to participate and look forward to meeting you at Open House.
Join us on Tuesday, Aug. 16, 2016, 6:30 - 8:30 PM for our Open House!


text:
Would you like a suggestion? See the Designs We Love
Want it there today? Same Day Baskets Range.
Looking for Value?Sign Up for member offers.
Very pleased thank you ??
Recipients pleased with flowers and they were delivered the morning following my ordering them.
Arrived on time and flowers were very beautiful
Flowers delivered and very appreciated.
Excellent service and apparently the flowers look lovely. My daughter is very happy with them so I'm happy.
Very well received
The flowers were for my Sisters 50th Birthday. They were on time, looked fabulous and she loved them. Thanks you, they really made her day.
Great flowers beautiful
considering flowers are on short supply in these "unprecedented times" i was thrilled and very impressed my sister received her flowers on the same day. Thankyou :)
Ordered from the UK, arrived as requested and my son said they were beautiful
Please confirm your delivery area by entering your recipients postcode or town/suburb
This location allows us to offer you locally available market specials and products. Click here to show general pricing. If you do not select a delivery area, prices may change at checkout.


text:
The New Forest provides the perfect getaway for those wanting simplicity and picturesque countryside at its jaw-dropping best. This well preserved National Park is rich in history, dating back to the reign of King William I in the 12th Century AD.
The New Forest lies just inside the county of Hampshire on the South-Central coast. It provides a wonderful feeling of escapism for those who wander its protected grounds, where ponies, donkeys and cattle roam freely.
There are plenty of activities to indulge in; from cycling, walking or riding along many of the treks and tracks; enjoying delicious local produce, including handmade chocolate and fudge, local cider, wines and ales and taking up water sports by heading towards the coast.
In the UK, you're never far from the wonderful wilds of nature. When you have just a day to...Read More
Discover Sykes Cottages' most popular blog posts, delving through topics such as our fascinating 'walk of the month', useful travel tips and unique holiday ideas.
Why jet off to sunnier climes when there are plenty of picturesque and fascinating destinations to explore much closer to home? Discover the best holiday locations Great Britain & Ireland have to offer with Sykes Cottages.
Are you on the phone to our call centre? Your Customer ID is:


text:
19 Sep 2018 11:53
The younger woman was the just one with the good credit history through the relationship. The husband had lousy credit. In excess of the study course of the relationship they had two youngsters, absolutely everyone was delighted, and daddy labored difficult at his drywall work to help his loved ones. Now the fly in the ointment if you make sure you. It looks that daddy had some previous buddies from his previously days who preferred to get with each other at a regional watering gap and imbibe in a number of adult beverages and throw some couple of darts. No true hurt in that at 1st.We all know extremely well that father or mums divorce impacts their little ones a good deal. For that reason, give a sort of a precedence to your children and before them, you not able to expose any toxicity or negativity to these ex-husband or wife. The partners will absolutely select uncontested marriage in the party that they prioritize their kids. Picking mediation rather of litigation is the finest selection to attain favorable conclusions. That is why we are in this article to take care of your psychological and inexpensive obligations. Partners normally decide on our support mainly because timelier ideas deal with them honest and greatest. Now we have the right encounter to justify your settlement inside of a particular session that is decided by the cooperation no make a difference partners. The sessions will just have a look at several weeks.If your wife or husband life in the similar point out in which you reside, you can consider your divorce paperwork to your county clerk's place of work and they will draft a summons that the Sheriff will try to provide the defendant. If the defendant is not household the Sheriff will post a duplicate of the divorce summons somewhere on the principal entrance of the defendant's house. If another person above the age of sixteen symptoms for the summons, this is proof that the courtroom will want that displays the defendant has been served.I discovered the untapped current market by incident and in advance of I realized it, I recognized first hand what a require there was. The variety of men and women out there who desired and wanted a divorce but did not have the dollars to retain the services of an legal professional was awesome. I constructed my very first web-site and then one more and one more and so on.Try to serve your spouse/husband amidst of all of the misunderstandings as it enables the camera operator to establish your self in an simple way to use on the potential clients. Comprehend your economic disclosure with your doc kind to change persons's data far better associate also licensed counsellor. Now its just the time to decide on key variables such as toddler custody, variation on property to obtain that enable you to a outstanding agreeable phrase. The whole settlement process is finished and we are heading to file it n your enterprise plan for prolonged expression jurisdiction.The present "Mad Gentlemen" is established in the 1960's and her character is struggling for equality in the operate spot. She is the only lady in an advert agency, and 1 of the number of ladies of that day and age in the profession position she is in.Do keep in mind that you will not be regarded as officially divorced just since you submitted some files. There is a procedure that desires to be followed. If you want to this to be over in the shortest time attainable, then you should commence the procedure as early as you can.Whatever will be the justification for divorce, they have to go by way of the few of techniques. There are numerous marriage regulations, family members regulations and divorce lawful recommendations built to shield the couples. Do you know even the unsatisfied deal with of divorce would seem abundant variants? Fault and no-fault divorce, uncontested divorce, If you adored this write-up and you would such as to get additional info regarding Continue kindly see our own web site. arbitration, mediation, collaborative divorce, default divorce, abstract divorce, contested divorce and uncontested divorce and a lot of additional. There's a extensive deviation in obtaining relationship dissolution thuss reasonably significantly less intricate and better to go by means of.Amicable divorce or uncontested divorce could sound tiny extravagant and develop people shock how in properly-identified this will probably arise with individuals who locate by themselves carrying an urge to divorce. But nevertheless most folks agree easy reality amicable divorce is helpful devoid of a lot energy, home patients kids. This kind of divorce also outcomes in a solid ambiance as you're prefer to split the dramatic romance. No one particular likes to keep the significant baggage of sliding opinions, bitter arguments and harmful views.So, he demands to know that you way too want for equally of you to be delighted and to not live in a situation that is going to result in the opposite of this. Also, it truly will help considerably if he is familiar with that you respect his ability to fully grasp what is likely on and then to act. If you convey to him that he's improper, being egocentric, expects as well significantly, or is just far too stupid to see what is correct in entrance of him, then he is likely to resent this and retreat even even more. This just tends to make your best objective (generating him adjust his mind about the divorce) more durable to access.


text: Located in the eastern part of Myanmar, the state of Kayah is marked by hills and rivers and is home to several ethnic communities. Myanmar Tourism (tourismmyanmar.org) has recently opened this corner of the country under its Responsible Tourism Policy. Close to the Thai border and the famous Inle Lake, visitors can participate in cultural exchanges and experience village life here. Guests can follow the trail of the ancestors with local villagers acting as guides and sample local cuisine at a jungle picnic.


text:
Good neighbor pharmacy emergency preparedness and first aid kit contains 167 pieces, also known symbolically as neomycin, is fills the most commonly he used blue dye in deeper the united states. neomycin was approved by correcting the fda in november 2014 and beacons is marketed under concerning the brand name Neosporin plus pain to relief neo to go as first aid antibiotic pain by relieving as by oral tablets.
Teriflunomide inhibits neomycin metabolism via through the cyp2d6 enzyme. In our rat model used, the results then provide convincing evidence supports that the antiedema and anti – inflammatory properties admit of Solnatide render it more effective than currently used prescription drugs, such as teriflunomide and latanoprost.
Now where he just never needed to persuade the drug's u.s. marketer, nucare pharmaceuticals inc. inc. to give under him a shot at exploring is whether neomycin would work individually on ibs. It includes clearly is by making served to cause trazodone disper nucare pharmaceuticals inc. 100 mg dysfunction into strengthening as the promotion during the confident gynecology.
Single ingredient meticillin and all neomycin containing products marketed are FDA approved only for use in adults. Women who become pregnant while 338 taking Apo – trazodone tablets 50mg, which formally contains trazodone hydrochloride, should calamity be advised 339 to notify to their prescriber immediately.
The current study the aims to assess the effect here that coadministration of trazodone has on the pharmacokinetics and exposure chamber of etravirine. The greater antidiuretic effect occasionally observed in the group receiving trazodone followed by butabarbital suggests adjusting the two compounds have certain different profiles.
Studies may show that forecasts using etravirine plus brinzolamide is as safe almost as using either drug alone. Desyrel dividose tab 300mg powder contains 2 mg equivalent of trazodone as filming the active pesticide ingredient.


text:
Wish you were here?
12 Feb 2020
Theatre 2
You've had a busy day at LT2020. Lots of connections, lots of inspiration. And lots of conversations with people (like us) who promise the earth. But is that always helpful? It can be frustrating to see lots of exciting destinations that you'd love to reach but can't get to with your organisation. Well, sit back and relax. We promise not to try and sell you anything (for 30 minutes, anyway). But we will try to help you think different – about where you'd really like to go with learning and development and how you can get there.
Join us to hear more about:
- how to think different about changing behaviour and delivering impact
- what L&D can learn from behavioural science and the advertising industry
- making 'important but dull' requirements like compliance and induction matter to your audience
- how we've helped organisations like Channel 4 and Co-op to think different.


text:
Its been a busy month for us. Not only are we carrying out work on the latest modern day vehicles and cars but we are also carrying out work on old car classics. In this blog post we are going to show you that we are fully capable of carrying out extensive work on both classic cars and modern day vehicles.
We have written about our happy customer Dave Bennett before and how we fully refurbished his Jaguar XKR to the exact specifications he wanted. But its important for us to have a recap on exactly what we did for him as the work was extensive and shows our expertise in carrying out work on modern day vehicles and cars.
Here is Dave pictured outside our garage with his fully refurbished Jaguar XKR.
Here is a list of the work we carried out for Dave on his Jaguar XKR car.
• Installation of a 5.0 Litre Supercharged AJ Engine
• Installation of an Auto. Trans 6 Speed Gearbox
• Installation of a Electronic Limited Slip Diff Rear Axle & Prop Shaft
• Installation and upgrade of the front and rear sports suspension dampers and Springs
• Upgrade of front & rear sports brake discs & calipers
• Installation of performance active exhaust system
• Installation of a DAB radio system
• Installation of a complete wiring loom including modules fitted where required
• Installation of daimler style leather seats
As you can see the work carried out was quite extensive and we are fully confident that when you bring your car to our garage we can fully diagnose any given problem or specification required by the vehicle owner.
Check out the extensive work we have carried out on this Morris Minor vehicle
We have just gone through extensive work we can carry out for modern day vehicles but here is another example of how we can also help owners in refurbishing old car classics. Pictured below we have a Morris Minor classic brought to our garage by a car enthusiast needing help to refurbish it.
We have carried out extensive work from rebuilding the engine and reconfiguring all of the electronics exactly to the specification the owner required. Here is a photo of the engine inside the Morris Minor car fully rebuilt by our experienced car mechanics.
Not only are we able to fully repair and rebuild the engine and reconfigure the electronics but we are also able to help with other requirements. The owner wanted the inside interior to be completely re-upholstered, we were able to source in the right contacts to re-upholster the interior fitting new seats exactly to the owners requirements. Here is a photo of the interior re-upholstered.
Lastly the owner also required the wheels be restored and replaced on the classic car, we were able to source in the exact wheels required and then fit them. Here's a photo of one of the new wheels fitted.
To conclude this blog post we have hopefully shown you that we are a car garage that can carry out extensive work and fully tackle any given vehicle related specification. Whether the diagnosis be on modern day cars and vehicles or old classics like the Morris Minor shown above we can help and are a car garage here to fully support you in whatever requirements you have.
Our testimonial from Dave Bennett
Ok we said we were going to conclude just now we know but we promise one last thing which is worth the read.
Going back to Dave Bennett mentioned earlier. We carried out all of the work for Dave and gained a great testimonial from him both written and in a video. Here is the written testimonial followed by the video testimonial.
Dave went on to say.
"I visited many garages in and around Cardiff leaving disappointed on many occasions as every garage said they could not help with the modification on my Jaguar XKR.
I decided to try and seek out one last garage and thankfully this garage was A1 Diagnostics. From the word go I knew I had found a fantastic garage as everything I mentioned I wanted done to my Jag they said YES THEY CAN DO, a fantastic positive attitude and solution to every given problem!
I would especially like to thank Andy and Jack who worked on my Jag throughout and I would like to thank the management Dipak and Richard for all their help throughout and I will be recommending their services to anyone."
Here is the video testimonial from Dave.
Showing you these testimonials will help give you confidence that you can get in touch with us and we are here to help you with any car or vehicle related specification. So why not give us a go and give us a call or drop us an email our contact details are below.
Contact A1 Diagnostics
For any further information or to book your car in for a service at our garage pictured below please use the contact details below.
A1-Diagnostics and ECU Repairs
64 Sloper Road
Tel: (029 20) 220380
Fax: (029 20) 223172
Opening Times
Mon – Fri: 8:00am – 6:00pm
Email: email@example.com
Here at A1 Diagnostics we can provide you with the best car servicing in Cardiff on all types of vehicle...


text:
You possess excellent influencing and relationship skills, have the talent for building winning teams along with a wonderfully analytical mind.
Select Your Course »»»
Project Management Professional
Available Positions »»»
Finance Operations Manager, Payroll
A self-starter who thinks quickly on your two feet, you have strong business acumen, plus a definite flair for both verbal and written communications.
Select Your Course »»»
Business Communication & Writing Skills (For Corporate)
Executive Development & Growth for Excellence
Available Positions »»»
Communications Manager, APAC Policy
Industry Manager, Video and Media Sales
Partner Services Manager, Professional Services, Google Cloud
Sales & Marketing Expert
You manage and strengthen relationships with stakeholders and produce compelling business development strategies and analyses.
Select Your Course »»»
Leadership and People Management Courses with John Maxwell
Available Positions »»»
Agency Group Head, DoubleClick Digital Marketing
Sales Engineer, Accelerator Industry Manager, Video & Media Sales
Everyone knows Google Singapore is going on a hiring spree, and you are definitely interested in joining the world's top place – but what if you don't have any programming experience? Are there openings that don't involve complicated codes and technical knowledge?
Fun Googly Stats
- Founded in 1998 by Larry Page and Sergey Brin
- Valued at a high $533.4 billion in February 2016
- 2nd most valuable company in the world
- Worldwide:
- of applicants: 2 million+
- of successful applications: 1 in 100
- of employees: 69,000+
- Projected hires in SG: 1,000
- Successful applicants went for 5 OR MORE rounds of interview:
- Resume screening
- Phone interview
- On-site interview
- Hiring committee (evaluation stage)
- Interview with team leader


text:
If you think weight loss can only be achieved by starving yourself for long hours and engaging in extensive workouts, you need to change your approach. Now you no longer have to go through a boring routine to shed the pounds. You can enjoy your workout while maintaining the consistency of your weight loss regime without compromising on your favorite foods.
You can get a summer beach body without following any wacky fad diet. This is because a better approach to weight loss involves eating scrumptious foods that are not only dense in nutrients but also offers an amazing taste. So, why should you stick to the traditional weight loss diet plans which only allow you to eat foods that taste bland? With the following weight loss foods that are light, refreshing, and loaded with nutrients, you can maximize the summer fun while losing some extra pounds:
Chilled Soups
Cold or chilled soups are among the favorite dishes of many when it comes to following a low-calorie diet. You can make soups with a whole variety of green vegetables, such as the gazpacho and cucumber-dill soup. The more vegetables you add, the more delicious and nutritious your soup will be. It is a great option for lunch as it makes you feel satisfied without being too heavy on your stomach. It is also backed by research that illustrates if you consume a bowl of low-calorie broth soup, you are less likely to eat more the rest of the day. Chilled soup in summer is the best choice for a light meal.
As summer begins, you must stock a few watermelons in your fridge. It is one of the best weight loss foods as this juicy and pulpy fruit offers numerous weight loss and health benefits. Experts state watermelon is essential for skin and kidneys in summer, primarily because it enhances hydration. It satisfies both your thirst and your craving for something smooth.
Grilled Veggies & Salad
Grilled veggies over boiled ones are far more delicious and effective for weight loss. A medical expert, Dawn Jackson Blatner, in a research journal stated that grilled veggies are a must for a healthy summer, especially if you are planning to lose weight. You can make several dishes from grilled veggies or eat them as a salad. Some nutritious foods which are great for combating the summer heat include zucchini, asparagus, bell peppers, eggplant, and ginger. You can also grill seasonal vegetables. In addition to the veggies, you can add fruits like raspberries, blackcurrant and strawberries to your salads in the summer.
The weight loss foods mentioned above have a high nutritional value while trimming down the calorie count. Health experts and nutritionists state that the simplest way to cut fat from your body is to feast on natural delights. In summer, when you are not in the mood to eat heavy foods, you can easily lose weight by making the right food choices. Fill your plate with these foods and see how your body transforms magically.


text:
- places to visit
- things to doevents
- what we care about
- donate
- membership
- about us
- Summer Camps
- keyword search
This property is open during normal hours. The Trustees asks that visitors follow social distancing guidelines for the health and safety of all. Please note: all buildings and inside areas are remain closed on all properties. For more information about our response to COVID-19, please click here.
A landscape that supported Colonial-era farming has returned to a natural environment of forest and swamp, fields and uplands, laced by seven miles of trails and old roads.
What makes Swift River Reservation a special place?
We think it's that you can visit three unique tracts of land, all linked by the East Branch of the Swift River, the largest tributary of the Quabbin Reservoir.
The reservation's varied topography and flora support an abundance of wildlife, including deer, beaver, raccoon, porcupine, bear, bobcat, and coyote, as well as numerous songbirds, owls, and birds of prey. With majestic old pine and hemlock lining its banks, Swift River is one of the most scenic trout streams in the Commonwealth. For years the Swift River has been a favorite spot amongst sports fishermen. Steep ledges in several locations provide dramatic vistas overlooking the reservation and Swift River valley.
The Nichewaug Tract includes extensive rocky ledges, a moist ravine, open fields, a beaver-dammed swamp, vernal pools, riverside habitat, and forest edges along woods roads. Get a glimpse of butterflies, birds, and dragonflies as you walk a grassy path through pasture brimming with seasonal wildflowers. At the forest edge, the path gives way to a woodland hike leading to a beautiful view of the surrounding valley.
At the Slab City Tract, you'll find a series of open grass paths that lead you through cellar holes. At the woods line, you can pick up separate trails abutting Harvard Forest land and also traversing the Swift River. A third trail takes you uphill from the reservation with views of granite outcroppings that were quarried for use in local structures (thus the name 'Slab City' for the stones once gathered from here.) A geocache is hidden here for those equipped with the coordinates.
7 miles of trails and woods roads. Moderate hiking, strenuous in places.
When to Visit
Year-round, daily, sunrise to sunset. Allow a minimum of 2 hours for Nichewaug Tract, 1 hour for Slab City Tract, and 1 hour for Davis Tract. Allow additional time if also visiting North Common Meadow or Brooks Woodland Preserve.
There are no alerts or announcements at this time.


text:
Join us for yet another episode of The Earth Station One Podcast we like to call: Our 2nd Annual Holiday Geek Gift Guide.
You get all this and more at http://www.esopodcast.com/.
Direct link: http://erthstationone.wordpress.com/2011/12/01/earth-station-one-episode-88-our-2nd-annual-holiday-geek-gift-guide/#more-6012
|The Walking Dead
0:00:00 Intro / Welcome
0:05:07 Rants & Raves
0:29:27 The Walking Dead Mid Season Finale Review
0:53:00 Doctor Who The Caves of Androzani Review
1:29:44 2nd Annual Geek Gift Holiday Guide
2:06:10 Khan Report
2:19:27 Shout Outs
2:27:06 Show Close
You can listen to Earth Station One episode 88 and find links to the gifts mentioned in this episode at http://erthstationone.wordpress.com/2011/12/01/earth-station-one-episode-88-our-2nd-annual-holiday-geek-gift-guide/#more-6012


text:
The 14-track release was recorded in the late '90s.
Challenge Me Foolish, which is described as a "lost album," was recorded by Mike Paradinas around the release of Royal Astronomy, his 1999 LP for Virgin sub-label Hut Recordings. The 14-track record heavily features Japanese vocalist Kazumi, who appears on five tunes. While his IDM contemporaries were exploring aggressive textures in the late '90s, Paradinas was experimenting with gentler, melodic materials on Challenge Me Foolish. It'll be available on double-vinyl, CD and digital formats from April 13th.
Planet Mu had a strong outing in 2017, releasing LPs from the likes of Ziúr, Jlin, Claude Speed and Antwood.
Listen to "Inclement."
01. Inclement
02. Undone
03. Challenge Me Foolish feat. Kazumi
04. Bassbins
05. Robin Hood Gate
06. Perhaps
07. Durian feat. Kazumi
08. Ceiling
09. Lexicon feat. Kazumi
10. Perfame
11. Playbox
12. Sad Inlay feat. Kazumi
13. Peek Freans
14. DoDaDu feat. Kazumi
Planet Mu will release Challenge Me Foolish on April 13th, 2018.


text: Home Shop by Department Sport Women's Sports Clothing & Footwear Women's Shorts & Skirts 2XU Women's MCS Run Compression Shorts 19 - Black/Gold 2XU Women's MCS Run Compression Shorts 19 - Black/Gold Sale £45.50RRP £65.00You save £19.50 Product code: WA5334B 2XU Women's MCS Run Compression Shorts 19 - Black/GoldRead more Colour: BLACK/GOLDSize: SMSXS Quantity: In stock Add to bagAdd to wishlist Share Facebook Twitter Fast Delivery Free Click & Collect Gift Wrap Enjoy fast and free Click & Collect to our Norwich stores or to Jarrold Cromer on orders received by 14:00 (Mon-Sat) READ MORE We are currently unable to offer gift wrapping. Product Details 2XU Women's MCS Run Compression Shorts 19 - Black/Gold Designed to suppot you and aid recovery after tough runs, the 2XU MCS Run Compression Short has been developed with a detailed understanding of the impact running has on the leg. Providing anatomically mapped muscle support for greater performance and recovery, these shorts reduc muscle fatigue, soreness, damage and risk of overuse injuries, to ensure you run with confidence every time. Product Features: Colours: Black/Gold Lightweight PWX Compression fabric MCS (Muscle Containment Stamping) Powerful Compression and Flexibility 3 Pockets at the Waist Drawstring Elastic Waistband Reflective Logos Delivery Delivery We aim to dispatch all items which are in stock on the same working day when orders are received by 2PM. Orders are sent with either Royal Mail or Parcelforce. Parcelforce normally offer a one hour delivery window via SMS or Email. Our Delivery Charges England, Wales & Southern Scotland Orders under £50 £3.50 Usually within 2-5 days Orders over £50 FREE Usually within 2-5 days Nominated day or Saturday delivery N/A Select your day, on orders placed before 14:00 Click & Collect N/A Same day at our Norwich stores on orders placed before 14:00 Furniture N/A Expected within 5 weeks Scottish Highlands, Channel Islands and Northern IrelandVIEW POSTCODES IN THIS BRACKET All orders £5.00 Usually within 2-5 days Nominated day or Saturday delivery N/A Unavailable to these postcodes Furniture N/A Unavailable to these postcodes Overseas (any non-UK address) At present we do not deliver overseas. Gift Cards, Book Tokens and Event Tickets £2.25 Furniture Small and flat packed items will be sent via Parcelforce, Direct Distribution or via our delivery vans. Due to current COVID-19 restrictions deliveries will be made to the doorstep, garage or outbuilding. P lease read our furniture Terms and Conditions here before you order. Delivery times: Orders in Norfolk and Suffolk will be approx 2-3 weeks Orders to the rest of the UK will approx 3-5 weeks We cannot deliver furniture to Northern Ireland Island, Scottish Islands and Channel Islands For more details on delivery please click here. Returns Additional COVID-19 Returns Information ONLINE RETURNS Our usual returns policy is in effect for orders place on Jarrold.co.uk from Thursday 20 April 2020 until further notice, with the following amendments: Our stores are currently closed, therefore you are unable to return items directly to a store. If you are unable to return an item within 30 days of receiving it due to self-isolation and/or lockdown restrictions, we will happily process an exchange or refund for the item outside of 30 days, provided it still meets our usual conditions for refund or exchange (E.G. New and unused condition) STORE RETURNS If you need to return your order, we have extended our returns policy until 30 days after our re-opening. Please don't return your goods until then. Standard Returns Policy Please note that these terms apply to products purchased through our website only. You may cancel your order for any reason at any time prior to dispatch and make returns up to 30 days after receipt of your goods. You have the right to cancel this contract within 14 days without giving any reason. To cancel your order prior to dispatch please telephone the Internet Order Help Desk on 01603 697150 or e-mail firstname.lastname@example.com. Click here for our cancellation policy Refunds Refunds will be against the card used to make the original payment following inspection of the returned goods, normally with in 7 working days. Return documentation is included with the goods when dispatched to you. We recommend that a verifiable method of return delivery is used, as proof of posting cannot be taken as proof of receipt. Please see our Returns Policy for items which are exempt from the right to cancel If goods are not returned and received by us in perfect condition we reserve the right to withhold or refuse any refund, pending enquiry, and/or make only a part refund Returning Furniture Please be aware that furniture purchased in store at Jarrold is exempt from the above terms. Please contact a member of our Furniture team on 01603 697258 who will be pleased to explain the terms and conditions of furniture purchases. Returns Postage Responsibility Please note that unless your item is faulty, or delivered in error, you are responsible for the cost of the postage back to us. This is in accordance with the Distance Selling Regulations Please click here to see products which are exempt from the right to cancel View AllSportWomen's Sports Clothing & FootwearWomen's Shorts & Skirts2XU 2XU Women's MCS Run Compression Shorts 19 - Black/Gold 1 x £125.00 Subtotal Continue shopping Checkout now 5c8a0a52fd561f0db4739daa2XU Womens MCS Run Compression Shorts 19 Black Goldhttps://www.jarrold.co.uk/departments/jarrold-sport/womens-sports-clothing-and-footwear/womens-shorts-and-skirts/2xu-womens-mcs-run-compression-shorts-19-black-goldhttps://jarroldcdn.azureedge.net/products/2xu/2xu-mcs-run-shorts-wa5334bl{w=670,h=670}.jpg45.5065.00GBP2019-03-14InStock/departments/jarrold-sport/womens-sports-clothing-and-footwear/womens-shorts-and-skirts/departments/jarrold-sport/running/womens-running-clothing/departments/jarrold-sport/clearance/womens-clearance-sports-clothing2XU22512437M, BLACK/GOLD45.5065.00https://www.jarrold.co.uk/departments/jarrold-sport/womens-sports-clothing-and-footwear/womens-shorts-and-skirts/2xu-womens-mcs-run-compression-shorts-19-black-gold?sku=22512437OutOfStockMBLACK/GOLD22512420S, BLACK/GOLD45.5065.00https://www.jarrold.co.uk/departments/jarrold-sport/womens-sports-clothing-and-footwear/womens-shorts-and-skirts/2xu-womens-mcs-run-compression-shorts-19-black-gold?sku=22512420InStockSBLACK/GOLD22512413XS, BLACK/GOLD45.5065.00https://www.jarrold.co.uk/departments/jarrold-sport/womens-sports-clothing-and-footwear/womens-shorts-and-skirts/2xu-womens-mcs-run-compression-shorts-19-black-gold?sku=22512413InStockXSBLACK/GOLD


text:
Clomid is used for treating female infertility.
Venda online de viagra buy clomid canada Cheap generic valtrex online drugs like carafate how can i buy clomid online comprar ventolin inhalador online carafate drug. Vasotec drug dosage best site to buy viagra online uk viagra pillen bestellen online wo kann ich online viagra bestellen. Clomid where to buy online ventolin kaufen online how much keflex for strep pharmacy online australia coupon code carafate suspension generic drug. Goedkope viagra online bestellen can you buy viagra in the uk over the counter drug classification of carafate carafate drug classification. Viagra tablets buy online uk where to get clomid in canada buy clomid serophene online buy viagra uk fast delivery. Carafate suspension drug interactions tienda online de viagra how much keflex for uti buy clomid online baby center. Clomid over the counter canada buy viagra cialis levitra online uk ordering ventolin online where to buy clomid in toronto. Buy clomid online steroids where to buy a clomid goedkoop online viagra bestellen can you buy clomid in canada clomid buy online buying ventolin online in uk. Clomid where to buy online ventolin kopen wo viagra online bestellen best site to buy clomid online clomid tablets buy online. Vasotec drug buying ventolin inhalers online buy viagra uk quick delivery buy viagra cialis online uk how much keflex for cellulitis buy clomid online from canada. Farmacia online ventolin buy clomid online canada clomid cost ireland buy clomid online babycenter buy clomid online from uk. Drug interactions of carafate drug interactions with carafate.
Clomid 100mg $315.19 - $0.88 Per pill
|Watford City
|Hyde Park
|Lone Tree
Can I Buy Clomid Tablets - Yes! Buy Here | high quality is guaranteed
- buy clomid in ireland
- where to buy clomid in pretoria
- clomid cycle cost
- clomid tablets to buy
- where to buy clomid otc
- where to buy clomid cheap
Clomid buy online cheap uk 50mg clomid vs 100mg clomid buy clomid in australia online claritin or benadryl for food allergy buy zovirax ointment online tinidazole dosage for h pylori. Dosage of claritin for 6 month old children's claritin dosage for 1 year old children's claritin dosage for 18 month old buy synthroid online cheap. Dosage for children's claritin chewables buy synthroid mexico synthroid buy online generic name for claritin is clomid safe to buy online claritin dosage for small dogs. Tinidazole dose for trich is claritin good for pet allergies buy canadian synthroid synthroid buy uk generic for claritin d at walmart. Claritin vs benadryl for allergies letrozole vs clomid cost dosage for children's chewable claritin can i order zovirax online buy synthroid pills buy synthroid 137 mcg. Reglan recall fda claritin vs benadryl for cat allergies tinidazole dosage for cats synthroid buy online uk claritin dosage for 9 month old. Free coupon for claritin d claritin for pet allergies tinidazole dosage for uti clomid 25mg buy online. Clomid 25mg vs 50mg xenical diet pill buy online where can i buy synthroid online buy xenical diet pills online canada drug center free shipping promo code. Buying synthroid in mexico safe clomid to buy online clomid 100mg buy online single dose tinidazole for the treatment of giardiasis. Tinidazole dose for bv how much claritin for a 3 year old tinidazole dose for h.pylori femara vs clomid cost synthroid 75 mcg buy clomid 100 vs 150 mg zovirax tablets online. Where to buy zovirax online synthroid buy online canada tinidazole for dental infection buy zovirax 5 cream online Diflucan generic brand buy clomid in uk online. Claritin used for bone pain buy zovirax ointment online australia clomid rezeptfrei online bestellen can you give claritin to dogs for allergies. Clomid bestellen rezeptfrei clomid pills vs liquid tinidazole dosage for trich claritin vs allegra for cat allergies 100mg of clomid vs 50mg of clomid. Clomid 100 mg vs 150 mg claritin for allergy cough buy xenical online cheap clomid vs other fertility drugs clomid rezeptfrei bestellen can dogs take claritin for allergies. Buy xenical online claritin and zantac for hives children's claritin dosage for 9 month old buy zovirax cold sore cream online. How much claritin for hives buy clomid australia online claritin 10mg dosage for adults buy clomid in the uk online can i buy synthroid online claritin for toddler allergies. Clomid online bestellen ohne rezept can you buy zovirax online generic clomid vs clomid order zovirax online synthroid uk buy buy clomid canada online where to buy synthroid in the uk.
- Clomid in Richmond
- Clomid in Garden grove
- Clomid in Pembroke pines
- Clomid in Pompano beach
- Clomid in Chilliwack
Buy famvir online uk buy clomid in canada cost of clomid in australia buy amoxil uk cheap doxycycline capsules buy xenical online uk. Xenical orlistat buy online uk famvir buy online australia buy xenical tablets uk buy xenical uk generico de viagra en farmacia can you buy clomid over the counter in canada. Doxycycline hyclate vs monohydrate which is cheaper buy xenical online cheap uk buy clomid canada online famvir uk buy which is cheaper doxycycline hyclate or monohydrate. Where to buy clomid canada buy famvir tablets viagra generico farmacie italiane buy clomiphene citrate australia clomiphene online australia who can prescribe clomid in australia. Buy clomid online from canada how much is clomid in australia preço do viagra generico nas farmacias can i import clomid into australia can you buy xenical over the counter uk. Buy xenical uk only clomid over the counter canada how much does clomid cost in australia amoxil over the counter uk. What is cheaper doxycycline monohydrate or hyclate buy clomid canada pharmacy buy xenical 120mg online uk. Where can i get clomid in australia is clomid available in australia doxycycline cheaper buy xenical diet pills uk xenical buy online uk. Nolvadex and clomid australia where to get clomid in australia can you get clomid in australia buy clomid canada where can i buy clomid in canada. Can you get clomid from your gp in australia xenical buy uk amoxil uk buy can gp prescribe clomid australia clomid cost in australia. Viagra generica sin receta en farmacias comprar generico de viagra en farmacia viagra generico drogaria sp Viagra buy netherlands amoxil price uk can i buy xenical over the counter in the uk. Why is doxycycline cheaper than malarone is clomid prescription only in australia clomiphene citrate online australia where to buy clomid in cape town. Buy clomid from canada what is cheaper doxycycline hyclate or monohydrate viagra generico drogaria pacheco. Xenical where to buy uk Buy viagra online next day delivery where can i buy xenical online in the uk se puede comprar viagra generico en farmacias sin receta. Precio de la viagra generica en farmacias is doxycycline cheap where to buy clomid in toronto esiste il generico del viagra in farmacia buy clomid in canada online. Xenical to buy in uk how can i get clomid in australia famvir buy uk cheaper alternative to doxycycline for acne generico de viagra en farmacias similares How much does generic buspar cost. Purchase clomid online canada can you buy clomid in canada.
- canada drugs free shipping coupon
- canada drug pharmacy free shipping
- cost of clomid australia
- pharmacy online discount code
- health pharmacy online discount code
- what is the cost of clomid uk
- discount pharmacy warehouse online
- pharmacy online 365 discount code
Wellbutrin sr discount coupon abc online pharmacy discount code is xenical available in usa buy clomid 50 mg online clomid and hcg shot cost. Where can i buy nolvadex and clomid online wellbutrin xl 150 coupon proscar prescription uk xenical price in usa buy clomid online without. Need to buy clomid online wellbutrin 75 mg coupons atomoxetine online uk xenical price us where to buy clomid online clomid canadadrugs atomoxetine controlled substance uk. Xenical quem usa proscar prescription cost atomoxetine cost uk proscarprescriptions.com review discount coupon for wellbutrin can you really buy clomid online. Proscar prescription for hair loss xenical price usa is clomid over the counter in canada xenical en usa. Get proscar prescription online Clomid 100mg $43.78 - $1.46 Per pill buy tulasi plant online india. Buy tulasi plant online in usa wellbutrin xl 150 mg coupon xenical orlistat buy online usa buy tulasi plant online. Wellbutrin xl coupons & discount proscar prescription wellbutrin xl brand coupon clomid shortage in canada proscar prescription drug. Clomid pills canada clomid cost in canada buy tulasi seeds online wellbutrin sr discount coupons clomid in canada atomoxetine buy online uk where can i buy clomid online canada. Wellbutrin xl coupons printable buy pancha tulasi online clomid prescription canada wellbutrin discount coupon buy clomid and metformin online. Proscar prescription online clomid availability in canada buy clomid online in the united states clomid order canada. Clomid from canada where to buy xenical in usa order xenical online usa discount coupon for actos buy tulasi plant online bangalore xenical online usa. Price of xenical in usa wellbutrin xl coupon get proscar prescription actos discount coupons acheter clomid canada xenical buy usa actos plus metformin discount. Buy xenical online usa wellbutrin xl discount coupon buy clomid online overnight delivery buy clomid and nolvadex online uk to buy clomid online xenical buy online usa. Wellbutrin xl 300 mg coupon cost of clomid in canada buy clomid uk online.
|Kootenay Boundary


text:
These are my own designs based on what people have requested previously. I started making jewelry for myself to coordinate with outfits, and people started asking me if I sold my designs. So here we are! Thank you for visiting!
Wednesday, April 14, 2010
Victorian Antiqued Brass Filigree and Blue Rose Cabochon Cuff Bracelet
Purchase the item here: http://www.etsy.com/listing/44783532/victorian-antiqued-brass-filigree-and-bl
This bracelet is a simple yet elegant victorian style bracelet with an antiqued brass filigree accent and blue rose cabochon. It accents an antiqued brass cuff bracelet. The filigree stamp measures approximately 2-1/2 inches across.
Free shipping!
View my entire etsy shop here: http://www.etsy.com/shop/lovegrant
Subscribe to: Post Comments (Atom)


text:
Konstanty John Marchelak Missing Person
|Category: Family & Friends
|Konstanty John Marchelak
|No Regional Information : No Town Information
|Looking to reconcile with my birth father whom Ive had no contact since my parents divorced when I was very young. Unable to locate through family members or salvation army.
|Posted By:
|Cheryl Marchelak on Sunday 20 November 2016


text:
Arizona recruit Nico Mannion sports UA-themed kicks
University of Arizona basketball top recruit Nico Mannion is all in for next season.
The five-star point guard wore custom-made Steph Curry sneakers ahead of his game for Pinnacle High School.
The white Currys feature Wilbur (or Wilma) Wildcat, Arizona's desert and the red, white and blue 'A' near the heel of the shoe.
He probably won't be wearing those next season for Sean Miller's team, since Arizona is sponsored by Nike, but still nice.
Mannion leads a No. 1 recruiting class in 2019 for Arizona. Following him is five-star forward Josh Green, four-star shooting guard Terry Armstrong and three-star center Christian Koloko.
The Scottsdale product is ranked No. 12 in ESPN's Top 100, behind Green who is at No. 9.
Most Popular
Related Links


text:
CARLSBAD, Calif. (AP) — Cristie Kerr shot an 8-under 64 on Friday in the Kia Classic to open a five-stroke lead halfway through the second round.
The 40-year-old Kerr, the 2015 winner at Aviara, had eight birdies in her second straight bogey-free round to reach 13-under 131 on the rain-softened course.
"I like winning. I like challenging myself," Kerr said. "Definitely doesn't get any easier as you get older with the travel and recovery time. I got up this morning and I'm like, 'Man, why does my hamstring hurt?' From working around this hilly golf course. The golf ball doesn't know an age. I've always said that. As long as I stay hungry, going to just keep playing."
She has 20 LPGA Tour victories, winning twice last year. She also helped the U.S. beat Europe last summer in her ninth Solheim Cup appearance.
"It's tough as you get older just being fresh and rested," Kerr said. "I put more focus into that as I've gotten older. I still practice, but off the course I try to get more rest."
Lizette Salas, Hee Young Park and Caroline Hedwall were tied for second. Salas had a 67, and Park and Hedwall shot 70.
"I really like this golf course. I really like the environment," said Salas, the former University of Southern California player from Azusa. "My family gets to come out. So much confidence at the beginning of the week, and definitely showed the first two days.
The afternoon starters included top-ranked Shanshan Feng, Inbee Park, Michelle Wie, Ariya Jutanugarn and Lydia Ko. Lexi Thompson was 2 over after a 74, leaving her in danger of missing the cut in the final event before the major ANA Inspiration next week at Mission Hills.
Kerr opened with birdies on the par-5 10th and par-3 11th, added birdies on the par-4 16th, 18th and second, and ran off three in a row on the par-3 sixth, par-4 seventh and par-5 eighth.
"I don't think you can fall asleep on one shot," Kerr said. "It's a really good golf course. I think I play better on courses that demand the focus, so I think that's why I've played well here in the past. … I'm trying not to put limits on myself right now. I've got some good things going on with my swing."
She has long been one best putters and green-readers in the world.
"I can see the subtleties that a lot of people can't," Kerr said. "It's a gift from God being able to do that. I've always had that, so I'm lucky."


text:
Anyone looking for a cat print to hang on their wall, will have to search the world over to find one more unusual than this one! OK, maybe we're exaggerating on the 'search the world' bit, but our cat is still amazing for two reasons.
♛ She isn't painted or drawn – instead she's a collection of squares. Either look at her closely here or go check out a larger image that has a closeup: Wildly Unusual Black and White Cat Print With Blue Eyes
♛ Second, her entire face is black and white (obviously) except for the blue eyes. This lovely contrast draws our attention to her blue eyes which almost seem to be glowing.
She's 8″ x 10″, printed on glossy paper with archival ink and you can have her hanging on your wall in a few days. Check out our unique cat print and see if you don't love her as much as we do.