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Relaxing, well equipped three bedroom holiday home on a quiet no-exit street. Upstairs is the master bedroom, complete with TV, en-suite and your own balcony - relax in the morning with your coffee, overlooking the water - the perfect start to your day! Downstairs is another queen bedroom opening onto the deck, a twin bedroom and bathroom complete with bath. All linen provided. Open plan kitchen, dining and lounge area with a large flat screen TV. Living areas open onto the deck and the view. Large front and back lawns with lots of room for parking and playing. There are also two sit-on kayaks available for guest use - perfect for exploring the estuary!
Local cafes, takeaways (world famous on the coast), well stocked superette and hairdresser are an easy stroll away. Boat ramp, golf course, tennis courts, petanque and children's playground are within an easy walking distance also.
The Tutukaka coast is well known for it's stunning beaches - Matapouri, Whale Bay, Sandy Bay (renown for great waves, and regular surf comps) and Whangaumu Bay are all within a 10-20 minute drive .Tutukaka Marina with it's world famous fishing and diving charters, cafes, hotel and gift shops are only a short drive over the hill. And of course there's swimming just off your front lawn!
There are plenty of fishing spots both on the estuary and at surrounding beaches - schnapper, kahawai, trevally, John Dory and more. And a gas BBQ at home to cook your catch!
Come here to relax, unwind, swim, fish or whatever you choose - the perfect spot for your kiwi beach holiday, any time of the year!
"Amazing location with stunning views. Even better, caught fish off the backyard and pipis fresh out of the water yummo!"
"Awesome place, we got a good sized snapper within half an hour of getting here! Then a kingfish!"
Minimum stay requirements over Xmas/New Year period on application.
3 night minimum stay for holiday weekends.
$250 refundable bond applies to all stays.
Please note there isn't a fence between the lawn and the water so it may not be suitable for toddlers.
We had the best time swimming,fishing and watching all of the majestic stingrays!
The bach had everything we could have needed and more....very well set up.
This was perfect for our group of 5 adults and 1 child. The location was awesome - fishing, swimming & kayaking off the front lawn was pretty special. Thanks for having us!
Wow, amazing location and boathouse with dingy and kayaks a bonus. House is much more spacious than the photos show. Very well equipped property and we will certainly be back.
Fantastic location right on the water. You can spend hours on a sunny day dipping your toes in the water just watching the fish swim by or launch the boat/kayaks from the backyard to paddle along the estuary. The one negative: the house creaks at night as it cools down and it's really loud. Light sleepers beware!
Unfortunately due to a family bereavement we were not able to join our family on this trip.
Unfortunately due to a family bereavement we were not able to join our family on this trip. It is, therefore difficult for us to comment on the property. However, having spoken to them, they enjoyed there stay.


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Jarrett Allen personifies the rare breed of a humble hero.
The freshman forward rarely displays much emotion, even after rim-destroying dunks. He simply puts his head down and gets back on defense.
After a good game Allen will shrug off reporters’ questions regarding his play, caring more about his team’s success than his individual stat line.
Yes, Allen has lived up to his billing as Texas’ prized recruit in its 2016 class, but you’ll never hear Allen comment on his success.
“I’m just not very good at crediting myself for stuff,” Allen said.
The forward has plenty of “stuff” to credit himself for. Allen leads all Big 12 freshmen in rebounding and ranks second in the league in freshman scoring.
In the month of January, Allen has been on an absolute tear. He’s averaging over 15 points and 10 rebounds a game and has recorded three straight double-doubles. For his efforts, Allen has earned back-to-back Phillips 66 Big 12 Newcomer of the Week awards.
But Allen’s success at the collegiate level didn’t manifest overnight. Early in the year, he was timid with his shot selection, attempting less than seven shots per game while averaging less than 10 points per contest.
Allen has since embraced his role as a key cog in the Texas offense. The forward has scored in double-figures in 10 out of his last 11 games, and he scored a career-high 22 points a week ago against No. 2 Kansas.
While Allen shies away from addressing his rapid development, head coach Shaka Smart doesn’t hold back on his praises for the freshman and how he’s progressed this season.
But Smart may be more impressed with Allen’s humility. In Texas’ win over Oklahoma on Monday night, the coach highlighted a moment that exemplified his big man.
Allen was heavily recruited by Smart during his senior year of high school and played under the coach during last summer’s FIBA Americas Championship with Team USA’s under 18-team. Through all their time spent together, the two have forged a close relationship.
Smart says that he has enjoyed building a bond with Allen and thinks this close relationship has helped breed the forward’s success.
This weekend Allen and Smart will look to put together consecutive wins for the first time since mid-November when Texas takes on Georgia.

industry_corpus2: Sports


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Learn more about TV and internet service providers in South Lyon, MI then call Allconnect to sign up today!
Looking for internet service? In South Lyon, MI you can choose from DSL, fiber-optic, cable or satellite internet services offered by providers such as AT&T, Spectrum and HughesNet. Coverage varies by provider with HughesNet offering the greatest coverage with 100% coverage.

industry_corpus2: Computing & Telecommunications


text:
Culture is imagination! Innovative cities represent a stroke of imagination, artistic experimentation and creative solutions. Help Sofia and the Southwestern region reach the world-renowned examples of innovative cities! And why not even surpass them?
The Fund will collect financial resources (and non-financial support) from businesses, and the accumulated sum will be matched from the budget of Sofia Municipality. Contributors of over 25 000 leva have the opportunity to become members of the Board of Trustees of the Fund and to participate in the Fund’s management. In order to achieve sustainability, the Fund will put aside a certain percentage of the accumulated funds for capitalization every year. The remaining part of the capital will be spent on project funding through calls for proposals for thematic programs or as per the benefactor’s desire.
The main focus for project applications in 2014 is related to artistic and innovative interpretation of the theme Sharing Sofia, the main theme of Sofia and the Southwestern region in its candidacy for European Capital of Culture. The suggested projects can refer to the entire theme or to one or more sub-themes of Sofia 2019’s artistic conception: Sharing Heritage, Sharing Memories, Sharing Routes, Sharing Spaces, Sharing Secrets, Sharing Values, Sharing Possibilities, Sharing Art, Sharing Dreams.
The certainty that you are contributing to the development of Sofia and the Southwest region as an innovative, dynamic and artistic region, worthy of its own place on the European cultural scene.
The possibility to participate in the management of the Fund’s assets and to determine its annual priorities.
The placement of your corporate logo on all advertising materials of the Fund, Internet pages, public events, press-conferences, banners and billboards, respective to the amount of support provided.
Opportunities to participate in TV and radio broadcasts on topics related to the Fund’s activities; participation in press-conferences and official events of the Fund, such as the presentation of annual reports, contract award ceremonies for approved projects, etc.
Publication of the name of every benefactor who provides support for the Fund on the list of donors, published every year electronically and on paper.
How to support the Cultural Innovations Fund?
Your support for the Fund may be financial or non-financial. The latter type may be in the form of making available personal property or real estate, human resources for supporting the administrative work of the Fund, expert evaluators of project proposals, publicizing the activities of the Fund, and attracting new sponsors.
Financial support may be directed towards a specific topic/activity of the donor’s desire or deposited in the mutual fund for financing artistic projects on a competitive basis.
For each type of support provided, a contract will be signed (prepared by lawyers of the Sofia Development Association and approved by the Donor). This contract contains requisites regarding the specific donation as well as the commitments of Sofia Development Association in terms of managing the donation and providing publicity for the Donor.
Contact person: Svetlana Lomeva, Director, Sofia Development Association.

industry_corpus2: Subject Education


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Copyrights 1977-2076 PROPAGANDA Zürich AG.
All rights reserved. The content of the domain “filmpromotion.ch” is subject to Swiss and international copyright law. The use of pictures, text, tables, forms and information of this domain, even in extracts, requires the consent of the author. The entire content of all pages and subpages is subject to copyright protection. Copying the content for publication of any kind is a violation of the law and will be prosecuted. This copyright protection also applies to the content of our other domains: Propaganda.ch, Hochschulwerbung.ch, Ethnowerbung.ch, Gastrowerbung.ch, Flyerverteil.ch, Flyerservice.ch, Plakataushang.ch and all subpages of the same.

industry_corpus2: Film & Entertainment


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It is a time of good news for the Kurds, a people more accustomed to tragedy than to triumph.
Just last week in Turkey, a political party rooted in the struggle for Kurdish rights vaulted over the 10% threshold for parliamentary representation, giving the Kurds their biggest say ever in Turkish politics. Days later, allied Kurdish fighters in Syria seized a crucial border crossing from Islamic State, thus uniting Kurdish areas that now stretch from Iraq halfway to the Mediterranean Sea.
In Iraq, the Kurds repelled an assault by Islamic State last year, and their budding autonomous government in northern Iraq has taken advantage of the collapse of the Iraqi army to seize full control of the disputed northern city of Kirkuk—often dubbed the “Kurdish Jerusalem” because of its historic significance—and the all-important oil fields nearby.
Amid an imploding Middle East ravaged by religious hatreds, the Kurds are providing a rare bright spot—and their success story is finding fresh support and sympathy in the West. By contrast with the rest of the region, all the main Kurdish movements today are broadly pro-Western and secular (though their politicians often don’t practice what they preach, and many Kurds are very traditional).
Numbering some 30 million people, the Kurds are one of the world’s largest ethnic groups without a state of their own, scattered since antiquity in the mountainous lands straddling today’s Turkey, Syria, Iran and Iraq. Their language, Kurdish, is part of the Indo-European family of languages—close to Persian (Farsi) but unrelated to Arabic or Turkish. Unlike Iranians, who are mostly Shiite Muslims, most Kurds are Sunnis.
After World War I, the Kurds sought self-rule at the 1920 peace negotiations between the defeated Ottoman government and the victorious allies. The resulting Treaty of Sèvres called for the establishment within a year of an independent Kurdistan in what is now southeastern Turkey, with the prospect of quick “voluntary adhesion” to the new country by the Kurdish areas of northern Iraq.
But the Sèvres accord was dead on arrival. Mustafa Kemal Atatürk, the founder of modern Turkey, denounced it as treasonous and launched a war that led to the abolition of the Ottoman state. The brief glimmer of hope for Kurdish self-rule was extinguished for generations.
In the following decades, Atatürk’s fiercely nationalist Turkey denied the very existence of the Kurds, banning their language and officially referring to them as “mountain Turks.” By the mid-1980s, a far-left guerrilla movement, the Kurdistan Workers’ Party, or PKK, was fighting a bloody war against the Turkish state (and against fellow Kurds whom it viewed as collaborators). The fighting ended only after the PKK’s leader Abdullah Ocalan, who had been jailed by Turkey since 1999, proclaimed a cease fire in March 2013.
Across the border in Iraq, Kurdish autonomy was sometimes recognized, but Kurdish uprisings were ruthlessly suppressed by successive governments. Repression reached its bloody peak in 1988, when Saddam Hussein’s forces used chemical weapons against Kurdish civilians during the so-called Anfal campaign. As for Syria, though it backed the PKK against Turkey, it stripped many of its own Kurds of Syrian citizenship. And in Iran, both the shah and the Islamic Republic that overthrew his monarchy in 1979 have suppressed Kurdish aspirations.
The quarreling Kurds, with their alphabet soup of rival political groups, have also repeatedly undermined their own cause. In 1982, Saddam Hussein remarked that he didn’t have to worry about the Kurds because they were “hopelessly divided against each other.” Indeed, the two main Kurdish factions in Iraq—the Kurdistan Democratic Party and the Patriotic Union of Kurdistan—fought a devastating civil war the following decade, though they had reconciled by the time the U.S. invaded Iraq in 2003, ousting Saddam’s regime and giving the Kurds an unprecedented opportunity.
The new Iraqi constitution adopted after the U.S. invasion enshrined broad powers for an autonomous Kurdistan Regional Government, or KRG, that is home to six million people. Control over their own affairs has allowed the Kurds to achieve what many in the region have called a “Kurdish miracle” in northern Iraq. A boom in investment and construction has produced new highways, hotels and shopping malls that feel worlds away from strife-torn Iraqi cities such as Baghdad and Mosul. “While the rest of Iraq was nose-diving into civil war, everyone was talking about the success story of Kurdistan,” said Cale Salih, an Iraqi Kurdish analyst and a fellow at the European Council on Foreign Relations.
The Kurdistan government in northern Iraq maintains its own armed forces, known as the Peshmerga (literally, “those who confront death”). No Iraqi troops are allowed in the Kurdish region, which controls its own borders, and Westerners can fly into the region’s capital, Erbil, without a visa. Kurdish is used everywhere as the official language, and few young Iraqi Kurds can speak fluent Arabic. A giant green, white and red Kurdish banner flies from Erbil’s ancient hilltop citadel, while Iraqi flags are hard to spot.
In 2011, the Arab Spring opened still other possibilities for the Kurds. The PKK, once an ally of the Assad regime in Damascus (and still classified as a terrorist group by the U.S. and Turkey), had long been present among Kurdish communities in northern Syria. When the revolutionary tide reached Syria, the group’s Syrian affiliate quickly seized control of three Kurdish-majority regions along the Turkish frontier. PKK fighters and weapons streamed there from other parts of Kurdistan.
Last fall, international attention focused on one of these areas, the town of Kobani, when it came under attack by the newly powerful Islamic State. Tens of thousands of Kurdish refugees fled into Turkey, and outgunned Kurdish defenders waged street battles against Islamic State’s onslaught. But Turkey refused to help, arguing that the Kurdish fighters were no better than Islamic State’s militants.
As the city of Kobani seemed poised to fall, the U.S. entered the fray, launching waves of airstrikes that eventually tilted the balance. After fully liberating Kobani in January, Syrian Kurds were able to take the offensive, culminating with the expulsion this week of Islamic State from the strategic border town of Tal Abyad.
Turkey’s authoritarian President Recep Tayyip Erdogan paid a heavy political price for his decisions during the Kobani crisis. Traditionally, his party had won a large proportion of votes among Turkey’s conservative Kurds, many of whom had rewarded Mr. Erdogan for his initiatives to negotiate peace with the PKK and to relax restrictions on Kurdish language and culture—as well as for years of economic growth in long-neglected Kurdish areas of the country. But in elections held on June 7, many Kurds deserted Mr. Erdogan’s party and voted instead for the People’s Democratic Party, or HDP, which was backed by the banned PKK.
“In the past, I voted for Erdogan because he was talking about the peace process, but after Kobani, I realized that he was cheating us,” said Bedri Ateş, a farmer from near Diyarbakir, the largest city in the predominantly Kurdish parts of Turkey.
The HDP campaigned on a broader agenda and won 13% of the national vote, including ballots from non-Kurds who liked the party’s support for the rights of women, gays and religious minorities. But the main message of the HDP’s triumph—which deprived Mr. Erdogan of a parliamentary majority for the first time in 12 years—was that Turkey’s Kurds can no longer be ignored.
That power was on display in northern Syria this week, as the surprisingly rapid offensive into Tal Abyad led by the PKK’s local affiliate severed the main lines of communication between Turkey and Islamic State’s de facto capital city of Raqqa. Much to Turkey’s fury, the U.S. has provided air support in that offensive, arguing that while the PKK is formally listed as a terrorist organization, that designation does not cover the outlawed group’s Syrian affiliate.
In the battle for Western public opinion, the female military commanders and secularism of the PKK have provided a refreshing contrast to the medieval prohibitions of Islamic State. In Syria, the PKK’s affiliate has even attracted a trickle of American and European volunteer fighters from non-Kurdish backgrounds. Still, factionalism has intruded. In areas of Syria that it controls, the PKK has restricted the activities of rival Kurdish groups, including those allied with the Kurdistan Democratic Party, which dominates the Kurdistan government in northern Iraq.
Those tensions aren’t likely to lead to violence this time around, most Kurdish politicians and outside analysts agree. The price of such internecine conflict, after all, would be too high at a time when the Kurds face an existential menace from Islamic State. “The Kurds don’t want this strife anymore. Everyone now knows that such a conflict among Kurds will make everyone a loser and ISIS the only winner,” said Vahap Coşkun, a professor at Dicle University in Diyarbakir who is involved in peace talks between the Turkish government and the PKK.
Still, political divisions do hamper the Kurds’ struggle against Islamic State and their prospects for self-rule. According to Mustafa Sayid Qadir, the minister of Peshmerga affairs in Iraq’s Kurdistan Regional Government, only a minority of Peshmerga brigades on the front lines are under unified command, and the rest still report directly to one of the two rival political parties.
The collapse of the Iraqi army in the face of Islamic State’s advance and continued bickering with the central government in Baghdad over the country’s dwindling oil revenues may end up pushing Iraqi Kurdistan toward such independence anyway. While the Shiite-led government in Baghdad continues to pay the salaries of public employees—roughly half the country’s workforce—in lands controlled by Islamic State, Kurdish public servants and the Peshmerga haven’t been paid for months. Many Kurds also complain that Baghdad is sabotaging their efforts to get better weapons.
The prospect of an independent Kurdistan in Iraq or northern Syria isn’t something that regional powers such as Turkey and Iran are likely to welcome. The U.S., too, still clings to the idea that a unified Iraq could be brought together again somehow.
American support for the efforts of Iraqi Kurds against Islamic State should not be seen as an endorsement of the Kurds’ wider aspirations, warned Anthony Cordesman, a defense expert at the Center for Strategic and International Studies, a think tank in Washington, D.C.

industry_corpus2: Politics & Administration


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The CEO of Global Health Resources, Dr. Wale Alabi, has made a case for Public-Private Partnership in the delivery of quality health service to Nigerians.
Alabi made the statement at the fifth edition of the Nigerian Healthcare Excellence Award held last Friday at the Eko Hotel and Suites, Victoria Island, Lagos.
He said, “The way forward is for the private sector to drive healthcare in Nigeria. The government must actually step back and give the private sector the opportunity to run the health delivery.
“We can actually have the Public-Private Partnership where government regulates the price of healthcare so that the poor will not be exploited,” he noted.
On the Nigerian Healthcare Excellence Award, Alabi said the award was created to promote excellence in the healthcare industry where providers can be excited and improve on their system.
“It has been exciting, growing, and the health sector has accepted this award as a benchmark for excellence in Nigeria,” he said.
In his welcome address, the Project Director, Nigeria Healthcare Award, Dr. Sola Alabi, said the award was initiated to restore the glory of the health sector in the country as well as to celebrate hard work and perseverance in the sector.
The 2018 Lifetime Achievement Award was received by the Pro-Chancellor of Caleb University, Imota, Lagos, Prof. Fola Tayo, for his roles as members of several private and government organisation’s committees on health and education.
On the criteria for awarding the Lifetime Achievement to a recipient, Alabi said, “The recipient has to be 70 years old and above, and must have contributed to both public and private healthcare in Nigeria.

industry_corpus2: Health & Medicine


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Nokia 8 is a price worthy android smartphone which comes with 5.3 inches IPS LCD capacitive touchscreen display powered by 2.5 GHz Octa-core processor along with 6 GB RAM and the device runs on Android V 8.1 (Oreo) operating system. If you own this smartphone and looking for a way to root it, then you are in the right place. I have given a tutorial to root Nokia 8 smartphone here.
You can be able to root Nokia 8 smartphone by using the following rooting tutorial given here and get the ability to install custom ROM firmware’s, custom recoveries, remove pre-installed system applications and do a lot more things.
WARNING: Rooting your Nokia 8 smartphone will void your device warranty, and you won’t be able to claim it until you unroot your device. So, think well about it before getting started with the rooting procedure.
Step 4: Now, download Nokia 8 USB driver and install it on your computer. By doing this, you will be able to connect your smartphone to the computer.
Step 3: After the installation of USB driver, you will get the following message: Nokia 8 Normal Mode. Root Status: No. Now, click on the “Root” button to begin the rooting process.
That’s it. Now you have successfully finished rooting Nokia 8 smartphone. For confirmation, install Root Checker for Android in your device and confirm your device’s root privileges.


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Proceedings 6th International Conference on Military and Aerospace Programmable Logic Devices, Washington, DC, USA, September 2003.
This paper describes an FPGA-based system for IPsec security of high-speed data across commodity IP networks. To demonstrate the system, we have transmitted 890 Mbps raw HDTV video across a commodity network, secured on the fly with the IPsec protocol and AES encryption. Such performance is impossible with software-only implementations, for full line-rate data overwhelms typical CPUs. This is particularly true when cryptographic transforms are required, such as those required by the IP Security (IPsec) protocol. This protocol processing overhead competes directly for CPU cycles against the applications trying to process the high-speed data. We have developed an "intelligent network interface" card based on Xilinx Virtex FPGAs for the purpose of offloading arbitrary protocol processing bottlenecks from the network stack. The network accelerator, named "GRIP" (Gigabit-Rate IPsec), integrates seamlessly into a standard Linux network stack to provide gigabit-rate acceleration of network processing from any of the layers in the stack.


text: LAKEFRONT HOME: Live the good life in this main channel lakefront home at Holiday Shores. Enjoy the fabulous water views from inside or step out on deck or patio to enjoy the outdoors and the lovely landscaping. A short walk down to your over-sized dock with boat lift gives you easy access to lake. This is what lake life is all about - swim, boat, ski, kayak, fish. This home boasts a master suite with bath that will be the envy of all your friends. Downstairs you'l find both a generous family room, a full bar/rec room and a 2nd master suite - perfect for guests. Every lake facing room either has a picture window or sliding glass door - never letting you forget you are living on a beautiful lake. Ask your favorite agent for a list of this home's many updates & special features. Check out www.holidayshores.us for more information on this unique lake community. One time initiation fee of $660.00 may apply. Buyers to verify all measurements & information.

industry_corpus2: Real Estate & Construction


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Businesses today are overwhelmed trying to manage the incredible amount of data passing through their organisations. With a mix of methods to collect, process, store, and retrieve data, it can become inefficient. A solution many businesses turn to is a document management system (DMS). A DMS offers a digitised way to streamline record keeping systems, and those making the investment find that it drastically improves their workflows and saves money in the long run.
Ability to document input via scans, mobile, email, and more.
Indexing of documents through a digital tagging system.
Conversion of documents (i.e. typed, handwritten, or digital) to be readable by all.
Additionally, with a document management system, redundant tasks are eliminated, helping businesses to stay better organized while giving them more time to devote to core competencies and company growth.
View an active timeline over the life of any document.
Integrate all systems to work within one software solution.
Take advantage of cloud storage for safe and convenient access for all.
Although a document management system makes files accessible to your organisation, security standards aren’t undermined. These systems also come with features that heighten security. With the ability to track digital footprints, offer encryption, incorporate audit control, and assign role-based access, managers can ensure vital documents remain secure.
Recent findings indicate small business growth in Australia is on the rise. Companies trying to stay ahead of the competition will want to invest their resources wisely. Document management solutions keep businesses up to date with current technologies while providing an opportunity to grow and adapt to changes in the industry.
When it comes to efficiency, convenience, and cost-effectiveness, you can’t go wrong with workflow automation. If you’re considering investing in a document management solution, contact Orion Print Management today for more information.


text: Property Overview 1 Kanal Plot DHA Phase 9 Plot 118 Direct Deal Hot Location Central Location Paper available. Golden opportunity for Investors and Buyers. Easy Approach. Direct from Owner. It’s really lucrative. Plot available in reasonable price. My lots of clients as well as investors have got fruitful Results. They have earned smart profit. Therefore, do not miss such a great opportunity. Come forward for activation of your dreams into reality. Please Contact Us for More Details and guidance.Please Quote AARZ.Pk While Calling Us.


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s_name	The official name of the service.
s_aliases	A zero terminated list of alternate names for the service.
are returned in	network	byte order.
s_proto	The name of the	protocol to use	when contacting	the service.
The endservent() function closes the file.
searches must also	match the protocol.
Null pointer returned on EOF or error.
endservent() functions appeared in	4.2BSD.


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There are cases where two users are editing the same files and when the second to commit to the repository tries to commit their changes, the repository won't allow the commit to succeed because of the conflict. Let's simulate this by making Fred and Jane change the same files.
Fred committed his changes to the repository.
Both file1.txt and file2.txt show with a red icon indicating that they have conflicting changes. You can't commit the files until the conflicts are resolved. Click on file1.txt and notice that Fred and Jane made changes to two different parts of the file. In this case, Jane can simply update the file and the lines added by Fred will be merged into Jane's local file. Select file1.txt and from the context menu select Update.
Next, double on file2.txt to see the conflict. In this case you can see that both Jane and Fred changed the same line. For this type of conflicting change a regular update can't resolve the conflict. Here you have three options (with the command to use in brackets): accept the changes from Fred (Override and Update), ignore Fred's changes (Mark as Merged), or manually merge the files within the compare editor.
For this example, let's say Jane updated file1.txt and selected override and update for file2.txt. After the operations are run the conflicts turn into outgoing changes. Jane can review the changes and commit them.


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Erin Walker is a midwife in Nazareth, Pennsylvania.
Instant Warm Absorbent Pad by Medline Perineal Warm Pack Latex-Free Instant warmth and highly absorbent. Hourglass shape with adhesive strip and tape tabs at front and back for secure placement.
3% Hydrogen Peroxide antiseptic, cleaning agent 16 fl. oz.


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A student that has lost or damaged their student course completion card must contact their OSHA Authorized Outreach Trainer to request a replacement Outreach Card. Only one replacement card may be issued per student, per class.
The OSHA Authorized Outreach Trainer must request a replacement Outreach Card for any student they have taught. Outreach Trainers should refer to the Outreach Training Program Requirements regarding “Replacing Lost or Damaged Student Course Completion Cards” for more information.
Replacement cards will only be issued if the end date of the course is within the past 5 years.
Authorized Outreach Trainers needing more information on requesting replacement Outreach cards, please enter the Trainer Access Only page, click here.
An OSHA Authorized Outreach Trainer may request a new Trainer Card and certificate within the 4 year period. Please allow up to two weeks for processing and shipment.


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What To Do After You Get Engaged:Research Wedding Planners and Officiants for your Ceremony!
To a lot of brides, hiring a wedding planner feels pretentious and unnecessary. But, girl, let me tell you something. A good wedding planner is like a good haircut. TOTALLY WORTH IT!
When researching wedding planners, one thing you should know right away is that there are a wide variety of different options and services available. Many wedding planners offer a number of packages so that every bride, no matter her budget, can afford to hire expert help for her wedding day. All-inclusive services, month-of services, day-of services, and detail services are all options I have seen brides use and enjoy.
Because there are about as many different types of officiants as there are pizza, you are going to need to know what you want when you are going into the search. In my mind, officiants fall into two camps, religious or non-religious. So, either you want someone to conduct your wedding ceremony that holds the same religious beliefs (no matter what they are) as you, or you don’t. Once you have decided which camp you reside in, you can begin your search!
If you choose to go the route of finding a religious wedding officiant, your search should be rather easy. If you belong to a local church (or your parents do) often times one of the pastors at the church will be able and willing to perform your ceremony. It is important, however, to ask in advance (like way in advance) so the officiant is able to save the date!
For those of you who are not going the religious route, you should know that almost anyone you want, yes anyone, can perform a wedding ceremony for you. Today there are numerous sites online where your friends or family members can obtain the licensure they need to make your marriage official.
If you aren’t religious or don’t have a friend or family member who you would like to perform the ceremony I have met a couple of absolutely AMAZING officiants during my time as a photographer that I would highly recommend. Chris Gray and Serindipity Nuptuals are some of the best I've met!
With a wedding planner by your side and an officant in place, there’s not much left to do besides buy the dress and walk down the aisle - the hardest parts of planning are over! Congratulations!

industry_corpus2: Others


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Total Repairs are your specialist smart phone, tablet and laptop repair service in southern Tasmania.
PLUS we also sell parts and accessories for electronic devices!
We have repaired literally thousands of items since 2011, so you can be rest assured that your electronic device will make it back to you in excellent condition and we back up our work with a comprehensive six month warranty (except on liquid damaged repairs).
Total Repairs is a small, family owned business, and we pride ourselves on the quality of our work. We will always do our best to get your devices repaired and back to you in the best condition possible, as quickly as possible.
We strive to provide competitive pricing on all of our parts, accessories, repairs and services. If you aren't keen on doing the repair yourself, we handle all jobs from as simple as a battery replacements and cracked screens, right through to liquid damage. Total Repairs will repair your damaged item in the shortest possible time with a 6 month warranty on parts and labour.
Do you need your smartphone, tablet or laptop repaired urgently? We know you do! In some cases we are pleased to offer 'while you wait' repairs, most cases it will be repaired same day, and in others it may be a 24 hour turn around.
In most cases we can have your damaged device back to you the same day, and as a general rule within 24 hours. Simply drop off or post your device to our office, located conveniently on Hobart’s eastern shore, and we’ll have it fixed and ready for you ASAP. In some cases same day repairs may not be possible, as this will depend upon the exact make and model of your device - we may need to order parts specifically, in which case we will still aim for a next-day completion for you.
Total Repairs is Hobart’s first choice in urgent smart phone and electronics repairs.


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This page provides information on the process of buying and selling property (known as “conveyancing”); and on planning and property problems.
GOV.UK provides extensive information on Owning and renting a property, including a step by step guide to the necessary procedures for Buying or selling your home.
HM Land Registry safeguards land and property in England & Wales. Anyone buying or selling land or property, or taking out a mortgage, must apply to HM Land Registry. Once land or property is entered in the register, any ownership changes, mortgages or leases that affect it are recorded. Anyone who suffers loss because of an error or omission in the register, or because the register needs to be corrected, will normally be compensated. On the site you can search house prices, search property ownership information, find out about boundary questions, obtain copies of title deeds and more.
The National Land Information Service (NLIS) is a government approved and regulated, electronic land and property searches portal, the only one of its kind in the property searches market. NLIS provides its services by way of a ‘hub’ and ‘channel’ model, operating as a convenient single point of electronic access to a variety of offical sources of land and property information. It connects users directly to land and property information held by local authorities, central government and other organisations that provide official sources of land and property data. NLIS Licensed Channels include Searchflow, Thames Water Property Searches. There are however other suppliers of property searches who are not part of the NLIS system.
The firms below offer information on conveyancing. However, most of them provide legal services in many areas of law and you may have to search through the services they offer to find conveyancing. Several of these offer online conveyancing quotes.
Access Law – Southampton, offer general information on conveyancing as well as descriptions of the main types of searches which could be involved and different types of fees likely to be charged.
Barcan Woodward – Bristol City Centre, North Bristol, South Bristol.
Brethertons – Rugby and Banbury, under the conveyancing section, provide useful information on buying and selling houses.
Clutton Cox of Bristol offer useful information about conveyancing on their site.
Elliot Mather – Chesterfield, Mansfield & Matlock, Derbyshire, provide information on the conveyancing process with a series of fact sheets.
Express Conveyancing provides extensive information on conveyancing, lease extensions, freeholds, property auctions and commercial conveyancing, and offers free initial advice on these topics.
Fidler & Pepper – Nottinghamshire, offers a “Beginners Guide” as well as conveyancing quotes on line.
Thomas Flavell & Sons – Hinckley, Earl Shilton and Market Bosworth, Leicestershire, offers information on buying and selling a house, first time buyers and remortgaging.
Fridays Property Lawyers provide a great deal of information on their site about conveyancing and also provide a service to locate a firm of solicitors near you.
MacNamara King – Warwick, provide information on buying brand new properties from builders, buying other properties and selling properties.
SAM Conveyancing – London & Home Counties; News section offers conveyancing know-how, tips and diagrams for everyone from first time buyers to seasoned property investors. Subsections include conveyancing, house surveys, mortgages and probate. Articles frequently provide links to official HM Government source material.
Terry & Co. – Essex.
Which? Mortgage Advisors provide impartial advice on mortgages and will help you find the best mortgage for your requirements. There is a free information telephone number as well.
GOV.UK has full information on Stamp Duty Land Tax. You must pay SDLT if you buy a property or land over a certain price in England and Northern Ireland. The tax is different if the property or land is in Scotland (pay Land and Buildings Transaction Tax) or Wales (pay Land Transaction Tax if the sale was completed on or after 1 April 2018).
guidance purposes. A wide range of topics are covered such as multiple dwellings relief, 3% surcharge, first time buyer’s relief and only or main residence queries.
abode conveyancing is a company helping people buying and selling their house to find a specialist conveyancing solicitor at a very good rate. They have negotiated prices for solicitors which are far better than the client can receive by contacting the firm direct; solicitors pay a fee of 50 for each referral. The firms involved use email at every opportunity instead of traditional mail and use the abode online case tracking system which emails or sends SMS updates when a change takes place on their file. Clients can also login to check their case progress.
Conveyancing Marketing Services is an agency which puts members of the public looking for conveyancing services in touch with a solicitor or licensed conveyancer. The company, established in 1995, has around 60 firms on its panel. Potential clients fill out a questionnaire online and receive, by email , immediate quotations from CMS on behalf of certain firms on the panel. They are then contacted by telephone (by CMS) to explain the quote. The site apparently generates around 500 genuine enquiries a month. CMS monitor the service through to completion, and can remove firms from the panel if they are not satisfied.
Homebuyer Conveyancing is made up of a panel of licensed conveyancers and solicitors that cover the counties in England and Wales. They provide a comparison service to manage the customer experience when buying, selling or remortgaging with fixed fee Conveyancing Solicitors quotes.
Landlord-Law is a membership service for residential landlords and tenants from solicitor Tessa Shepperson. She provides “packaged” advice to landlords and also to tenants. For example, there are documents and forms which can be filled in online, an extensive set of FAQ’s (based on real questions sent in to Tessa), a number of interactive “trails” allowing users to find the answer to problems by question and answer, and a Q and A page where readers questions are answered. Part of the site is free but access to documents and more detailed information requires a modest subscription payment.
Nationwide Conveyancing provides competitive fixed prices for the legal costs of buying, selling or remortgaging a flat or house in the UK. They monitor prices and regularly undertake surveys to keep their price comparisons up to date. They search from a panel of over 100 specialist solicitors and conveyancers using a well established comparison tool called Econveyancer from ULS group. You can choose by price, service or distance.
onlineconveyancingquote provide a panel of high street conveyancing legal firms believing in personable old school values, while still embracing online case tracking and email if desired. They provide the public with a conveyancing solution at a competitive price using a handpicked national panel of established specialist solicitors.
Allingham & Co. – Edinburgh (Marchmont, Buckstone, Colinton), offer a detailed guide to house purchase and to house sale.
Georgesons – Thurso and Wick, offer good information on home buying in Scotland.
The Edinburgh Solicitors’ Property Centre.
The Glasgow Solicitors’ Property Centre, including free legal advice on property matters.
Duncan Grehan of Dublin, provide information on property purchase (buying and selling) in Ireland and Irish property trends.
O’Donnell McKenna – Donegal, offer a checklist of things to consider when buying a house.
The Planning Portal was established in 2002 by UK Government to provide an entry point to online planning information and allow planning applications in England and Wales to be submitted onine. More than 80% of planning applications are now submitted online via the Planning Portal. Topics covered on the site include Do you need planning permission? Descriptions of different types of extension; how to submite a planning application; building control applications; various interactive guides; how to find your local authority.
The site is a bit hard to navigate. The easiest way to find what you want is via the list of topics in the bottom section of the home page.
The Boundary Problems Website has been set up by Jon Maynard, FRICS, on boundaries, rights of way, neighbour problems and related topics, including how to find an expert to assist in solving the problem and lnks to other planning-oriented websites.
Garden Law is a site set up by solicitor Richard Smithies of Bearders Solicitors, Brighouse, West Yorkshire, with lots of free information relating to walls, trees, hedges, fences, boundaries and even whether you can bury a loved one in your garden. There is also a discussion forum were visitors can post questions and receive answers from Richard Smithies or other viewers.
Gary Webber was a practising barrister for 22 years specialising in property law. Since 2003 he has practised as a mediator (accredited by the ADR Group) dealing with property, commercial and family cases. He is the author of two widely used books on possession actions. His property site propertylawuk.net includes substantial papers on property claims and the Civil Procedure Rules, an on-line book dealing with boundary disputes and other material of use to property litigators.


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The Church of the Most Precious Blood is a Roman Catholic parish located in New York City. The parish is under the authority of the Archdiocese ofÂ New York, and is the National Shrine Church of San Gennaro. Located on 109 Mulberry Street in New York,Â the Church of the Most PreciousÂ Blood is part of New York’s Little Italy neighborhood. Father Fabian currently presides over the church.
During the Feast of San Gennaro, which is held yearly in September, a celebratory Mass is held at theÂ church on the last Saturday of September.Â Following this, the statue of San Gennaro is taken from its home within the church on a procession through the streets of Little Italy.


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Posted on December 27, 2015 by Norwich Radical	in Borderlines, Inter|national and tagged Belgian, bicultural, biculturalism, Borderlines, discrimination, domestication, Dutch, emotion, expat, foreign, foreigners, foreignisation, french, immigration, language, love, migrant, migration, polyglot, series, translation, translator, Turkish.
Borderlines aims to show the reality of migration, and how we are all, in our own way, migrants.
I have always been a translator, even before I learned to read and write. I was born into the Turkish language and only a year later, I was transported into a country where French and Dutch live next to one another. During my first year in nursery school, I had learned French by the time of Saint-Nicolas, a children’s celebration taking place on 6 December; in primary school, Dutch entered my tiny 6-year-old head. At home, my mother – who knew English – would watch Flemish and Dutch TV where films weren’t dubbed but subtitled, and my father, who grew up in Germany, would watch the news and sports in German. English first entered my life through popular culture, then thanks to my parents’ good old American friend Mr Jones who would travel a lot between the US and Belgium and regularly stayed in the hotel where my father was working as a receptionist.
They became friends, he would come home often and would bring us Peter Pan peanut butter and Levi’s jeans from the US. And I would try to speak with him with my broken English. When we started to learn English in secondary school, I could already speak, read and even write. Years later, for the first time, I have started learning a new language: Spanish, this time by choice as I wanted to dive deeply into Spanish speaking literatures. But no matter what I studied, read, watched or heard, with a higher education focused on English, French and Spanish, a professional life including Dutch, I have always been going back to Turkish. This language I don’t want to call my mother tongue, but rather my emotional tongue. The one I never received formal training for.
You can see from this short snapshot of my linguistic life – which is far more ordinary than exceptional – that my immigrant background has been highly influential in shaping the translator I am today. Throughout this journey acquiring different languages and feeding myself with a wide range of stories from a variety of places, I had never realised how big of an emotional impact Turkish had on me. Every other language that followed, that I learned to master and love, are always in some way reaching back to Turkish.
My father has always been called Maras, even by his Belgian mother-in-law. It always seemed to me like a disregard towards his Turkish identity. I have always resisted against the tendency to domesticate my name, even though I’m sure it would make my life easier on many occasions. I got used to being the kid with the weird name in class, each time the teacher would do the counting and stumble upon my name, I would automatically stand up and say “yeah, it’s me”, and we would move on. I never felt bad about it. I only knew I had a different name and I learned to be happy about this diversity I was bringing to the classroom.
At one of my former jobs at a prestigious Belgian cultural institution, my then manager told me totally horrified as we were setting up a new e-mail address for me that: “WITH YOUR NAME IT IS IMPOSSIBLE!”. I was very young and this wasn’t a student job any more. I let her decide I would be “CONTACTPRESS” to the outside world, until she left the institution, and at her goodbye drink she proudly said she wasn’t worried about the future of the department she’s leaving because “despite her being Turkish, Canan is a hard worker”.
This story about my name and the rejection of my “Turkishness” has inadvertently shaped the translator I am today. Instead of ever having to change my name into one or another language – because let’s face it, in today’s globalised world, who should I change it for? even between the French and English I should think of two different spelling – I explain to the people I encounter, and who are curious enough to listen and want to know, that the C in the Turkish alphabet is pronounced J. So Jaanan, not Canine. It isn’t rare now to meet people who do know immediately that my name is Turkish, because they encounter more and more people or stories carrying those letters that are pronounced differently. And the more we share those stories, the more people will be open to welcome non domesticated words, expressions and names.
As translators, we often face a dilemma between remaining faithful to the source text or to the target audience. I believe this to be especially true when you grew up with several so-called native languages and among several cultures. Your understanding of the source text is very close to you emotionally and so is the target language. I very often face this when translating Turkish into French. While on the one hand I do not wish to alienate French speaking audiences, I do tend to remain closer to Turkish, putting into practice the experience of my name. This is known as foreignization in translation studies. Strategies called domestication and foreignization in translation are related to the degree to which translators make a text conform to the target culture.
I don’t particularly like the term “foreignization”, because to me, Turkish isn’t foreign at all. I am very closely linked – at an emotional as well as a knowledge level – to the Turkish language, and this has made some people question my ability to translate into the target language – especially when I work into French. For some, one can only translate to her so called native language. I would identify this stance as a very conservative one. According to this approach to translation, the French language is simply not mine to play with. Looking from this perspective, it might be difficult to accept the fact that I intentionally choose to “foreignize”. It is a deliberate choice on my part and not simply a deficiency in my French. It is a logical continuity of my perspective on the narratives we build across our societies.
My migration story brought me to this privileged position.
In my translation work I focus on authors I am passionate about, most of them struggle daily in Turkey, fighting against an oppressive regime, while I work in the very comfort and safety of my home, looking at a canal from my living room window in Amsterdam. My migration story brought me to this privileged position. Some hurtful moments happened, sure, but they remain so trivial I chose never to dwell in them. I chose to move forward with these experiences that have shaped me as an individual and as a translator. I keep moving.
If you have a migration story from your experience that you would like to share, please get in touch at thenorwichradical@gmail.com, with BORDERLINES in the subject line.


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In this Tutorial you will learn to build an Android app with a connection to Facebook .
2. If you haven‘t created an app yet, you will be asked to give your first app a name and to give a short description. In our example the app is called “Facebook”. For your app, however, you should use a unique name.
3. Now you see the Apiomat Dashbaord. You start on the Module Market with all the available modules you can add to your app. Scroll down and select the Facebook Module and click "+" to add the module.
4.After clicking the plus, ApiOmat will ask you to configure your Facebook Module. Here you can enter your Facebook App ID and secret password, but you can leave those blank for now. In the field "Facebook Scope", add “publish_actions”, this will, among other things, allow you to post on your wall. Once you done that, click on “Save”.
5. Now we have to deploy our backend, to do this, click on the slider next to "INACTIVE".
7. Download the Android SDK and you will download a .ZIP file that contains all classes and resources you need. Unpack the .ZIP file, saving it somewhere on your hard disk.
8. Open your IDE (e.g. Android Studio) and set up a new Android project.
9. Open the folder where you unpacked the Android SDK .ZIP file.
10. Copy both folders into the “src” folder (source) of your app. Now we can get started on the frontend!
First, let's set up a basic layout.
1. Open the layout file of your Main Activity. You can find it in the folder “layout” within the folder “res” (resources). The XML file has the same name that you gave your Main Activity.
2. The Android SDK sets up a RelativeLayout by default, which is somewhat cumbersome. So delete the code and create our own LinearLayout.
3. Add a button called “log in” that contains a listener for the method “login”.
Make sure that buttons, text strings, etc. are children elements of the LinearLayout. Usually all strings in Android are stored in an extra file (strings.xml in the folder “values”), but leave them here for simplicity's sake.
4. Below the button, add an input field- or as Android calls it- EditText, and give it an ID. You will use the ID later.
5. Let's create a second button, labeled "Post text!" and trigger the method "post".
6. Finally, insert a WebView. This allows you to view websites in the app. You will use this to log in to Facebook.
The packagename which the Activity belongs to.
The class that‘s named after the Activity and the methods “onCreate” and “onCreateOptionsMenu”.
2. Delete the “onCreateOptionsMenu” method. This method causes a menu button to be displayed in the upper right corner of your app. As we don‘t want to set up a menu, it‘s a so called “menu button of shame” without any functionality.
Change the username and password to what you would like it to be. When you're finished with this step, the connection to the backend is initiated.
5. With the next code block the user is being forwarded to the server. It will check to see if the user with this given user name already exists. If that's not the case, it will create a new user.
You have the option to choose between MemberID and UserUserName.
4. The last action of our Login method is to open the Authentication URL with the WebView.
Note: you will have to replace NAMEOFYOURAPP with your app's backend name.
1. Now that you can log in, move on to create a new post for your wall. Let's generate the method “post”, which posts the text entered into the text field.
2. First, generate an object of FBUser. FBUser represents your Facebook account.
3. Now you need to save the User, so that a valid href attribute can be received. To prevent potential mistakes, surround the Codeblock with a try-catch statement.
4. To create a post, you have to first create an object of the FBPost class that will represent your post. One could also say you‘re generating a new post.
6. Now set the string “posttext” as the content of your post.
7. To publish the post you just save the newPost.
An Android app is not allowed to do anything by default. So to access the internet, you need to ask for permission. You can do this in the Android Manifest.
1. Open the AndroidManifest.xml in your app's root folder.
Now your frontend is installed!
1. Start the app on your Android smartphone or in an Android emulator.
2. Tap the "Log In" button. The browser should open and you will be asked to enter your Facebook data, as the ApiOmat-Facebook-App requests authorization.
3. Log in with your Facebook data and press install. Now you're connected to Facebook.
4. Press your smartphone‘s back button until you’re back on the screen of the Android app.
5. Enter what you would like to post to Facebook into the text field below, for example “ApiOmat is awesome!” and then press the button “Post text!”. If you check out your Facebook page now, you will find the text you entered posted onto your Facebook wall!


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It's also important, especially for first-time homebuyers, to learn all the terminology and the buying process ahead of the property purchase, and to be prepared for any legal fees that accompany this buying process.
When you're in the market for a new home, building a budget is the first thing you have to do. You can't start house hunting until you’ve saved a deposit and come up with a working budget based on your current income and monthly debt. You need to know what you can afford before you start shopping for a loan.
Performing your own mortgage affordability calculations is necessary in order to set realistic expectations. While lenders will analyze your income levels, monthly debt payments, and credit information with a fine tooth comb, they're unable to break down your expenses or set workable budget limits.
It's important not to let lenders tell you how much you can afford. You need to do some groundwork and build your own budget one step at a time.
Along with your savings, income and expenses, it's also important to take interest rates and credit history into account. Interest rates change all the time, with the rates available at the time you get a mortgage greatly affecting what you can afford. The more you need to borrow, the bigger effect that interest rates will have on your monthly payments.
How much lenders are willing to offer you will also depend on your credit history, with a good credit score associated with a low default risk. In Canada, credit scores range anywhere from 300 to 900. A score of 650 and above is considered good, with 750 or higher deemed excellent, and a minimum score of 680 often required for mortgage approval.
Not all mortgages are created equal, with different products tailored to different housing market segments. Understanding your mortgage options is crucial if you want to get a loan that meets your individual needs and expectations. Before getting a mortgage, it's important to get pre-approved for a certain loan amount. While organizations such as the Canada Mortgage and Housing Corporation (CMHC) are there to help, there really is no substitute for doing your own homework.
In Canada, a conventional mortgage describes any mortgage loan up to a maximum of 80 percent of the lending value of the property. If your down payment is less than 20 percent, it's considered a high ratio mortgage and may have to be insured by CMHC or another organization against payment default.
Making a choice between a fixed and variable interest rate is one of the most important decisions that all homeowners have to face. Fixed rates are locked down for the term of the loan, with variable rates fluctuating according to housing market conditions. Adjustable loans are the third option, with both interest rates and repayment schedules changing according to the market.
An open mortgage is a flexible payment solution that allows for early and lump sum repayments. While these types of loans normally carry a higher interest rate, they give you the opportunity of paying down your loan sooner. In contrast, a closed mortgage loan always comes with a fixed payment schedule.
Along with your deposit, interest rate, and degree of flexibility, it's also important to look at your loan term and repayment schedule. This can be defined under the term 'amortization', which is the period of time over which your entire mortgage will be repaid. It's important to note that accelerated payments are only allowed in certain mortgage contracts. The mortgages can come in five-year term to up to 30-year term options.
Getting a mortgage doesn’t have to be difficult if you know what you’re doing. While many of the financial and risk factors analyzed by banks and other lenders are beyond your control, once you understand your mortgage options and how the mortgage process works, you can put yourself in the best possible position.
Before applying for a mortgage, it’s important to understand the difference between mortgage pre-qualification and pre-approval. While pre-qualification is an informal process that relies on information you provide the lender about your income and liabilities, pre-approval is based on a detailed risk assessment by lenders themselves in relation to a particular property.
Generally speaking, lenders will analyze your income, liabilities, assets, employment, and credit history. While unsustainable debt levels and a bad credit score will have a negative impact on your chances, high income and a good credit history will improve your risk assessment and enhance your chances of approval. Also look into getting a pre-approved mortgage. Pre-approval is a different process than pre-qualification, and it occurs after pre-qualification, and generally takes more paperwork. While generating more income and paying down debt is the best way to increase your options, shopping around between providers can also prove successful.
When shopping around for a mortgage, people can choose between direct lenders such as banks and mortgage brokers. While mortgage brokers don't actually make loans themselves, they have access to a greater pool of mortgage products by acting as agents for multiple lenders.
While a broker arrangement is not ideal for everyone, mortgage brokers may be able to access loans from multiple banks and wholesale lenders, who often discount their rates for brokers. While a mortgage broker can be a great way to compare products and access the most competitive mortgage rates and terms available, they may charge processing or origination fees.
Once you've analyzed your budget and researched loan options, it's time to choose a realtor. There's no shortage of realtors in Canada's bustling real estate market, which can make it difficult finding someone who is perfect for you. Finding a realtor you can trust is part art and part science, with a lot of hard work in-between. By following these tips, you can find someone who is on your side.
If you're in the market for a new property, there is no replacement for hard work. It's important to spend time researching realtors in your area, with real estate companies and real estate agents often specializing in certain locations or property types. It doesn't matter where you are in Canada, market and location knowledge is extremely important.
Once you have a short list, take some time to interview agents and ask them specific questions. Along with their level of expertise, it's important to find someone who you're comfortable communicating with. Since you're the buyer, this person will be your "buyer's agent".
When it comes to property, the numbers never lie. Realtors can be compared based on the number of houses they've sold, their commission, and even how many properties they own themselves. You should also analyze relevant figures relating to sales prices, sales volumes, and time on the market in your location of choice to see how well realtors can interpret market information.
All of this information is accessible to realtors, who should be more than willing to open up and discuss the cold hard facts with you. You should also ask agents about specific sales they were responsible for, including bid and offer amounts.
You need to find a realtor with a plan for the future, someone who is willing to help you meet your property goals. Marketing plays a crucial role in many heated Canadian markets, so choose a realtor with a solid marketing plan.
Whether it's postcard mailings, online marketing campaigns, or virtual tours, specific selling strategies are needed for certain locations or types of property. While some agents offer low commission fees in order to stand out from the competition, it's better to choose someone based on their industry knowledge and marketing talent.
Having a good lawyer by your side is just as important as a good realtor, with a legal professional needed to review paperwork, conduct a title search, register the deeds, handle the transfer of funds, and help you avoid litigation. While many Canadians wait until the last minute to bring in a lawyer, having someone on hand during the early stages of a property purchase can save you time and money and reduce the risks associated with your deal.
Buying property is one of the largest financial transactions that Canadian will ever make, so it's important to make sure your legal rights and obligations are adhered to. Among other things, lawyers help to prepare and review mortgage and transfer documents, handle closings, and provide legal guidance relating to the purchase or sale of a property. A property lawyer is particularly important if you're buying a pre-construction condo or any type of property that has not yet been built.
Before choosing a lawyer, it's important to check with your provincial law society to ensure their standing. It's also important to select a lawyer who specializes in property cases, along with someone who is able to give you a written quote including disbursements. A good property lawyer can be found through friends and family, realtor recommendations, or online reviews and testimonials.
Searching for a house is one of the most exciting parts of any property purchase. House hunting in Canada depends greatly on your location, with the heated markets of Toronto and Vancouver offering different challenges to other parts of the country. Demand for residential real estate is high in Canada's major cities, with the National Association of Realtors predicting a 3.2 percent rise in home prices over 2018 on the back of 2017's 5.5 percent increase.
According to Dana Senagama from the CMHC, houses will continue to be a hot commodity in Canada throughout 2018, especially in Toronto, Vancouver and Calgary, where the demand outpaces the supply of affordable homes. When hunting for a home, whether it's for principal residence or rental purposes, it's important to compare locations based on asking prices, selling prices, price growth, sales volume, and time on the market. This will give you a basic understanding of the market depth and make it easier for you to compare individual properties in different locations.
You should always make a house-hunting checklist to keep on top of things, otherwise, you might fall into the trap of comparing properties on purchase price alone. Properties can also be compared by lot size, home type, age, parking, bedrooms, bathrooms, property tax, transfer tax and land transfer tax, utilities, interior and exterior condition, and location just to name a few.
You have to know what kind of a residential property you're looking for, if it's a single-family home, condo, apartment, etc. Single-family homes are likely to be more expensive than other types of homes. It's important to look into location carefully, including traffic, noise, pollution, and access to amenities such as schools, shops, entertainment venues, and transportation hubs.
Real estate negotiations can be complex and daunting if you don't know what you're doing. While sellers want to get the highest price and buyers want to get a bargain, especially the first-time home buyers, there's a lot of room in the middle to negotiate a good deal. Other than the purchase price itself, some of the other factors that may influence negotiations include closing costs, closing date, contingencies, warranties, leaseback, home repairs, appraisal contingency, appliances, furniture, inspection, and condo assessment if applicable.
Before making an offer, it's important to do some research. While you may need to act quickly to secure certain properties, it's crucial to understand wider market conditions such as price ranges, price growth, comparable properties, sales volume, and time on the market.
When you're ready to make an offer, it's important to specify all of the terms and conditions that you want to negotiate along with the price. It's very difficult to make changes that haven't been addressed during the initial stages of a negotiation. Real estate deals in Canada require a written contract, which may differ between provinces.
Once you've been presented with a response, you have three options. You can accept the offer in full, you can reject the offer outright, or you can make a counter-offer that stipulates specific changes. This offer and counter-offer process can repeat itself until both parties are happy and a final sale is made.
Making an offer for a new home is an intimidating process that can seem scary if you don't know what you're doing. Once you've found the perfect home, you need to make an offer and lock it down while still ensuring a fair market price. If accepted, an Offer to Purchase needs to be signed by the seller and buyer, with this legally binding agreement one of the most important documents you'll sign along with the mortgage itself. And if you're a first-time buyer, you may not be completely familiar with the process.
A professional home inspection is always a good idea if you're thinking about buying a new property. While some problems are easy to see with the naked eye, others require years of experience. From building foundations and roofing through to drainage, clearance issues and plumbing, a house inspection can help to identify significant problems before they lead to significant expenses.
You should always hire a home inspector yourself instead of relying on a recommendation from your realtor. While most real estate agents, agencies, and inspectors are above board, home inspectors may feel pressure to keep the realtor happy in order to get future referrals and stay in business. It's always better to isolate the home inspection from the real estate transaction.
It's also important to pay attention to the home inspector's background, reputation, and certification. This can be difficult in some parts of Canada, with home inspectors unregulated in Ontario but regulated in Alberta and British Columbia. You need to find someone with experience, someone you can communicate with easily, and someone who is aware of problems that may arise in your location due to building standards and weather conditions.
Moving can be exciting and stressful, often at the same time. Like many things in life, a successful move is all about preparation, from the early days of making lists and organizing insurance through to the final stages of packing and cleaning. Making and following a moving house checklist is the best way to ensure that everything is in place when the movers come around.
After months of house-hunting and weeks of waiting, closing day has finally arrived. This is a milestone moment in any property deal, and it's important to get it right if you want to avoid future complications. From organizing inspections and insurance through to arranging utilities and getting hold of the keys, closing day is the final hurdle to overcome before you start enjoying your new home.
Purchasing property in Canada as a foreigner or non-resident brings up a number of questions. While Canada welcomes foreign buyers from across the world, and there are no restrictions on the amount or type of property they can buy, there are some challenges regarding taxation and financing. It's important to note that each province in Canada is in charge of its own real estate transactions, with non-residents needing to do specific research for each location when hunting for a home.
International buyers sometimes need a bigger deposit compared to Canadian residents, with some lenders also restricting the number of properties they will finance to five per person. There are also tax challenges to overcome, with foreign buyers often faced with a withholding tax on capital gains when the property is sold. Additionally, a 15 percent Non-Resident Speculation Tax was introduced in 2017, with this tax needing to be paid by both non-citizens and non-permanent residents.
Foreign residents who spend less than six months in Canada can buy a home without needing to apply for residency. While owning property is not likely to improve your chances at immigration, it will be considered as part of your overall net worth. Anyone who is planning on living in the country for longer than six months needs to apply for permanent residency. Canadian banks will usually ask for a larger down payment for non-permanent residents, typically 35 percent compared to the 5 percent or 10 percent that is available to Canadian residents.
Q. What should I check before I sign an Offer to Purchase?
A. An Offer to Purchase is an important legal contract that should only be signed after looking into financing, tax arrears, title restrictions, and building inspections.
Q. Can I include conditions in an Offer to Purchase?
A. Conditions are possible and common when drawing up an Offer to Purchase, with typical conditions based on financing, the building inspection, the terms of the offer, and the sale of your present home.
Q. Is a lawyer needed to purchase a home?
A. While a lawyer is not required to buy a home in Canada, it's always a good idea to receive legal advice before signing important contracts.
Q. Who pays the real estate agent's commission?
A. The property seller is responsible for the realtor's commission unless it has been stated otherwise in the listing agreement.
Q. What is cheaper, fixed or variable interest rates?
A. While variable interest rates are cheaper than fixed rates, they also come with greater risk. If interest rates are relatively low, it often makes sense to lock in your loan at that fixed rate.
Q. What is the benefit of a fixed rate mortgage?
A. While they can be more expensive, a fixed rate mortgage provides additional security and makes long-term budgeting easier.
Q. How do banks measure risk when choosing to assign mortgage loans?
A. Banks and other lenders analyze the price of the property and the deposit amount in relation to your income, assets, debt levels, and credit score.
A. It is possible to improve your credit score by paying down your debt as quickly as possible, meeting your current financial obligations, and improving your credit history rating.
A. While a 20 percent deposit is needed for a conventional home loan in Canada, high ratio mortgages are available from some lenders with as little as 5 percent deposit.


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What an exciting first week of the Bountiful Blog Tour! I told you I had a talented bunch of Makers lined up for this tour--was I right??!! Bountiful is my newest fabric collection for Art Gallery Fabrics that celebrates the beauty and natural resources of the vast countryside in America's Midwest. You can find a full resource list of shops carrying my fabrics on the Shop Fabrics page on this blog.
My good friend and the sweetest person on this planet, Heidi Staples of Fabric Mutt started our tour with her Four-Patch quilt. She made this quilt with 20 fat eighths--one of every print in the Bountiful collection. This would be a fabulous beginner project and I love how the simple design shows off my prints and how it looks right at home in a Texas landscape. Heidi's oldest daughter has claimed this quilt for her bed--smart girl! Read more about this fun quilt on Heidi's blog.
The fabulous and funny Emily Dennis of Quilty Love showed us how amazing my Bountiful fabrics look in her modern Triangle Pop quilt. Emily used prints mostly from the Plant colorway from the collection with a Kona cotton silver background. I love how graphic this quilt is! Read more about this quilt and the pattern on Emily's blog.
Wednesday was the adorable Minki Kim's day of Minki Kim and she wowed us with four works of art. Her detailed pot holders are mini masterpieces with how she's mixed and matched the different Bountiful fabric prints. These are too pretty to use when cooking and should be hung on the wall and admired! See more delightful photos and read about Minki's makes on her blog.
On Thursday, the talented Heather Andrus of Quilt Story wrote about her amazing totes. I'm so impressed with how Heather upcycled a bargain purse into a fresh new look with my Arborescent Seasons canvas from the Bountiful collection. She also was able to make an adorable tote bag that her daughter is using for her books. Get all the details on these makes on Heather's blog.
I couldn't have a blog tour with out my good friend Sharon McConnell of Color Girl Quilts. Sharon is known for her riot of prints and colors in a quilt and stunning quilt designs. For the Bountiful Blog Tour she chose to make the center star and first border of her Pixie Medallion quilt pattern for the gorgeous Bountiful Star wall or baby-size quilt. Isn't this amazing? Learn more about this pattern on Sharon's blog.
As many of you already know I've been busy behind the scenes preparing quilts and projects for the Art Gallery Fabrics Bountiful Lookbook. The AGF Lookbooks are virtual magazines packed with the story behind the collection, quilts, garments, and projects all made from the collection. It's an amazing resource of sewing ideas and direct links to patterns and where to get the fabrics.
Every fabric line from AGF has a free quilt that can be downloaded from the AGF site. Bountiful will have a fun pattern available once the Lookbook has been released. You can see just a peek of it in the above photo.
I have two new quilt patterns available for purchase through Craftsy. View all my patterns for purchase on my Shop Patterns page.
My first new pattern is called Platform and is a fast make with a graphic pop. This quilt is 50" square and the perfect lap-size quilt or one to take on a outing for an impromptu spring picnic. It uses only 4 fat quarters for the prints and I love how this collection pairs with the AGF denims. I used two different smooth denims (chambray like) for some rustic-fun utility quilt vibe.
My second new pattern is called Knob and Wire inspired by old electric wiring found in many barns and buildings. This is a 78-1/2'' x 84-1/2'' bed-size quilt that has amazing graphic quality in any room. I love the fine, Empire Yellow Pure Element solid strips that run through the blocks. This is made with 7 different fabrics in the knobs and Haymow Stack print for the background. Strip sets make this a fast project to make and I machine quilted it with simple horizontal straight-lines for a fast finish.
I hope you will join me Monday, April 10th at 4 pm Eastern as I am interviewed by the beloved Pat Sloan. Catch the live interview here or here. I'm so honored to be on Pat's show and talk about quilting and being a designer.

industry_corpus2: Manufacturing


text: If you’d like to contact China Wok regarding our restaurant services, please fill out the form below. To place an order for pick-up or delivery, give us a call at 905-723-3388! The professional, courteous staff at China Wok restaurant looks forward to serving you!

industry_corpus2: Hospitality & Catering


text: Smurzynski, Jacek. 2004. Performance of Otoacoustic Emission Tests when Used to Predict Auditory Status. 12th Annual Convention of the Tennessee Academy of Audiology, Chattanooga, TN.