Frequently Asked Questions - The Marks Law Firm, P.A.
In addition to ending your marriage, a divorce (or "dissolution of marriage") addresses all issues within the marriage, including property, finances, and child-related issues. This is the most common way to deal with marital issues, as Florida does not recognize "legal separation." However, if you prefer a less permanent route, there are options available to obtain financial support or address concerns related to minor child(ren) without filing for divorce. For example, Florida law allows a married party to pursue an action for support and maintenance without dissolution of marriage. That allows for a time of separation and the chance to consider the circumstance without the prospect of a full divorce hanging over you. If you would like to discuss these options in more detail, contact one of the family law attorneys at The Marks Law Firm to schedule a consultation at your convenience.
Why should I have a lawyer representing me during my divorce?
While many individuals proceed through the divorce process, having the help of an attorney with family law experience can go a long way toward protecting your interests. Florida's family laws have developed over many decades and are often nuanced and complicated. An experienced attorney will understand these laws and be able to help you avoid the mistakes or unfavorable results that can arise from not knowing all of your rights. For example, pro se litigants (those who represent themselves) often do recognize or include important considerations such as ensuring adequate financial protections in the event a spouse passes away, the tax implications of paying spousal or child support, practical ways to avoid future conflict, and significant children's issues that pro se parties don't often consider. The family law attorneys at The Marks Law Firm have the experience to support you with these difficult issues.
How can I find out which decision-making option would be best for my situation?
The presumption in Florida is what is called "Shared Parental Responsibility," which starts from the position that each parent is considered an equal in parenting the child(ren). When the Florida Legislature changed the "custody" verbiage in 2008, the intent was to ensure that neither parent was considered superior to the other and that each parent should have as much time with the child(ren) possible, unless very particular circumstances (i.e. child abuse, substance abuse etc.) indicate otherwise. There are accommodations that can be made for "shared parental responsibility with ultimate decision making" and "sole parental responsibility" when appropriate, although these are exceptions and must be justified by the significant evidence. The family law attorneys at The Marks Law Firm can educate and guide you as part of your team to make informed and well thought through decisions that can positively impact you and your children for years.
My spouse refuses to give a divorce. What are my options?
Florida is a "no-fault" divorce state, which means that either party may pursue a divorce without the consent of the other. That means that even if your spouse refuses to cooperate, you can file and pursue a divorce proceeding on your own. The Marks Law Firm is focused on family law and knows how to effectively assist spouses who face this frustrating situation.
What is the difference between an uncontested and contested dissolution of marriage?
An uncontested dissolution of marriage occurs when the spouses agree on all issues, including time sharing and child support, property distribution, and spousal support. The benefit of an uncontested proceeding is that it minimizes conflict and allows the parties to maintain control over the outcome. However, if the spouses cannot agree on any of these issues, the matter becomes contested and requires the Court to make the decisions for the parties. The Attorneys at The Marks Law Firm have over 75 years of combined experience helping families in both contested and uncontested family law litigation.
Can I get my marriage dissolved without a lawyer?
What do I need to file to start the divorce process?
Where do I file the necessary documents?
Do I know and understand all of the applicable statutes and time limits?
What am I allowed to legally ask for during my divorce (i.e. alimony, child support etc…)?
Do I know all of my legal rights and how to avoid waiving them?
What are my obligations to my spouse and child(ren) during the case and how might those obligations change when we are finished?
How are child support and alimony determined?
How does the Court determine property division in a family law case?
These are only some of the issues that may come up during your divorce case, and the outcome of these issues will affect you for years to come. At The Marks Law Firm, our family law attorneys know the answers to these questions and have the training and experience to ensure your rights are protected.
It's true that sometimes attorneys can add to the dissension and make matters harder, but normally the opposite happens. The emotions and personal feelings associated with a dissolution of marriage can be overwhelming. It's often difficult for spouses to be objective during the divorce and work together to reach a reasonable and proper result. While the goal of your lawyer is to fight for you and to protect you and your child(ren), an experienced family lawyer will also help you understand the legal and practical issues involved in your case and avoid unnecessary costs and headaches. Involving an attorney early on also gives you a better chance for an early resolution, which allows you to move on with your life more quickly.
How long do I have to live in Florida before I can file a divorce action?
A person seeking a divorce in Florida must have resided in the state for at least 6 months prior to filing the divorce. This means you must have lived in Florida with the intent to remain here for at least the 6 months leading up to the beginning of your divorce case. If you are unsure about which state has jurisdiction over your divorce case, you can contact the family law attorneys at The Marks Law Firm to discuss your concerns.
In Florida is there a waiting period before my divorce becomes final?
There is no waiting period or cooling off period in Florida. If you and your spouse agree on all issues that need to be resolved, and your paperwork is in order and properly completed, your divorce can be finished as quickly as the Court's schedule allows for you to attend a final hearing.
The date of separation can be important because it is one of the dates a Court can use to determine the value of property to be distributed during a divorce, and can set the date for determining back child support or spousal support. The Court also often uses the date the Petition is filed, as it can be difficult to nail down a specific date of separation, especially when the parties have been growing distant over a period of months or even years. Determining the proper date, and applying that date to the calculations involved, can be tricky, and if you have questions about this issue it is a good idea to contact one of the attorneys at The Marks Law Firm for a consultation. We are Orlando divorce lawyers.
As mentioned above, it can be difficult to determine the separation date. If you know the exact date on which one of the parties left the marital home, that is likely the best way to calculate the date of separation. If you don't recall that date, or if you are still living together, it is hard to pinpoint a date of separation and the Court may use the date of the Petition instead. If you have questions about determining your date of separation, or regarding the best date to use for valuing your property for legal purposes, you can call The Marks Law Firm and discuss your questions with one of our experienced family lawyers.
How can I get the most out of my Initial Consultation?
You should come to your Initial Consult as prepared and organized as possible. That means it will help save time if you have at least some basic financial documents like your most recent paystub, savings, checking and brokerage statements. It will also be very helpful to fill out our Initial Consult forms as completely as possible prior to coming in for your consult to give to the Attorney when you meet. You should also think of any questions you may want to ask and write those down or even E-mail them to the Firm prior to the day of the Initial Consult. The Orlando Attorneys at The Marks Law Firm work hard to combine excellent counsel with cost effective representation, and anything you can do to save the Attorney time will ultimately save you money.
If I request a consultation, does that mean I have to hire you?
No, you are under no obligation to hire the Attorney or the Firm because you have set an Initial Consult. You should take the time to make sure the firm is a good fit for you before you retain the Attorney.
Do you give consultations over the telephone?
Yes, this can be an effective way to get started especially with time constraints and perhaps geographical distances. Ultimately is usually is a good idea for the Client and the Attorney to meet in person, but as long as the Client completes the Initial Consult forms and emails them back with some basic financial documents, (see below) a telephonic Initial Consult can be very effective.
I don't even know if I need an attorney. Is there just a packet of forms I can use?
If you have no minor children, and you and your spouse can agree on everything and feel comfortable enough that you know what you are doing, there are forms for a "Simplified Dissolution of Marriage" available. You can also get forms if you have minor children, but we do not recommend it because of the added complexities. In fact if you have any significant assets or minor children, you should take the completed forms in to meet with an Attorney to look at them before you sign them. That way you may only have to pay an Attorney for one hour of time and then the rest yourself. Our Orlando Divorce Law Firm, Marks Law Firm regularly does this type of consultation and would be glad to answer any questions you have about the process before you file your paperwork.
Will I be involved in my own case?
Absolutely! At The Marks Law Firm in Orlando, FL our approach is that the Client and the Firm are a "Team." The Client knows the facts of the case better than the Attorney ever will, because the Client has lived through it, so the only way the Team can succeed is if we work together toward a common goal. When the Attorney/Paralegal and Client working collaboratively and with great communication, we can reach the best possible resolution for you and your family.


text:
Fangyuan () – gmina wiejska () powiatu Zhanghua, wchodzącego w skład prowincji Tajwan, na zachodzie Republiki Chińskiej.

Populacja gminy Fangyuan w 2016 roku liczyła 34 039 mieszkańców – 16 041 kobiet i 17 998 mężczyzn. Liczba gospodarstw domowych wynosiła 10 136, co oznacza, że w jednym gospodarstwie zamieszkiwało średnio 3,36 osób.

Demografia (1996–2016)

Uwagi

Przypisy

Zhanghua

redpajama_set_name: RedPajamaWikipedia


Brass hinges, brass nails, typewriter film carbon, resin. 12 oak panels: 12 x 18" each. 366 acrylic plates: 3 x 2" each. Collection of Museo de Bellas Artes, Caracas.
The twelve oak panels form four groups of three panels each, hinged onto half-frames which are attached to the wall. The panels can be completely closed to face the wall or opened, thereby displaying 30 – 32 small acrylic plates each which are fastened by hinges to the oak panels. The 366 plates contain text in form of resincoated typewriter film car-bon. The panels must be opened and the plates flipped over to become legible.
Each small plate represents one calendar day. The first plate on the first panel is March 21. The arrangement of plates and panels is in order of the calendardays in a year. Each plate lists two disasters that happened on the same calendar day (not necessarily same year). Specified are: a date, a place, the type of disaster, and a number — the number of deaths.


text:
Empowering Malaysia's Education Community with Remote Learning
Empowering Malaysia's Education Community with…
Fedelis Sdn Bhd featuring in Microsoft Malaysia News on the April 3rd, 2020.
Since the announcement of the Movement Control Order (MCO) by the Malaysian Government to help curb the spread of COVID-19 virus, education institutions across the nation have taken great measures to ensure that their students can continue learning through digital means.
Much like the business continuity plans (BCP) put in place by organizations to sustain business momentum by leveraging technology, the education community in Malaysia is also hard at work to ensure the future leaders of our nation continue receiving a quality education in these challenging times. With the right set of tools in place, remote learning provides a solution that empowers educators to continue their classes virtually, as if they were conducted in a normal setting.
We have been pursuing and enabling the shift towards remote learning and virtual classrooms with the Ministry of Higher Education (MOHE) and various higher education institutions long before the MCO came into effect. Our aim has been to provide them with the technology and best practices necessary to sustain education, irrespective of the circumstances.
That said, most universities today have the technology and strategy in place for successful remote learning exercises. Though in the current scenario, conducting classes, meetings and seminars for an entire university, consecutively, for several weeks, is certainly unprecedented.
K. Raman, Managing Director, Microsoft Malaysia
Seeing the Malaysian education community come together to find a way to keep the flow of education going fills me with great pride. This is the essence of my great nation – we do not crumble when times are hard, instead we unite, both in spirit and in mind, to find a way forward.
Collaboration and knowledge sharing as an imperative
In recognition of the urgent need to help the education community make this shift, Professor Madya Dr. Wan Zuhainis Saad, Director of Academic Excellence Division, MOHE who also watches over MEIPTA-MAGNETIC-MAPITA, called for an urgent and apt discussion to review policies and recommendations to support remote learning among public universities in Malaysia. MEIPTA-MAGNETIC-MAPITA is a coalition of three higher education bodies, namely:
MEIPTA: Malaysian eLearning Council for Public Universities (Majlis e-Pembelajaran IPTA Malaysia)
MAGNETIC: Malaysian Higher Education Teaching & Learning Council (Majlis Kerjasama Ketua-Ketua Pusat Pengajaran dan Pembelajaran IPTA Malaysia)
MAPITA: Malaysian Public Universities Council (Majlis Pengarah-Pengarah ICT IPTA)
Together with our partners, Alfa Connections Sdn Bhd and Fedelis Sdn Bhd, we shared our knowledge and best practices to ease and fast-track the transition to remote learning using solutions such as Teams, that can be adopted by all public universities, community college and polytechnics nationwide. The transition to remote learning was also made easier since most universities already have access to Microsoft 365 A3, which provides access to Teams for education institutions to leverage upon already.
One of the key challenges highlighted was of connectivity and internet bandwidth among students. I am glad to say that this is now no longer a hurdle, as the recently announced economic stimulus package will see Malaysians get free internet data of up to 1GB per day, a move that will surely aid all Malaysians who are learning (or working) from home.
In addition to our collaboration with MOHE, we also conducted several open webinars and online tutorials led by Microsoft Partners and school teachers for IT Teams and educators, to share knowledge on setting up remote meetings and virtual classrooms. The open webinars were attended by educators from public schools, MRSM schools and private institutions of higher learning. We were inspired by the passion and dedication of the hundreds of educators who had joined these sessions in the spirit of community and peer sharing. Their commitment drives us here at Microsoft, to keep doing what we can to help support the nation's education system through these challenging times.
Microsoft's commitment to the education community
We have long been advocates for technology to enable and enhance education around the world. We believe in the power of technology to make education more accessible, inclusive and enjoyable, allowing more people to benefit from a quality education, regardless of their surrounding or circumstances.
This is just as true today as it was before the MCO. Our present circumstances may make it challenging for education to continue without the help of technology, and we believe it is our responsibility to provide solutions to these challenges.
In the past few months, my colleagues at Microsoft have developed numerous articles and blog posts to help guide educators on how to make the switch to remote learning, best practices for using Microsoft Teams for education, how to integrate Teams into your learning management systems as well as the various Microsoft Education resources available for you to leverage.
I would encourage educators to read these guides and to be aware of all the tools available to them to make their remote learning experience smoother and more productive.
But to simplify things, I have summarized 3 brilliant tips that had been previously shared by my colleague Jared Spataro, on what you can do to enhance remote learning in your institution:
1. Make the shift to a virtual classroom
Teams is a great tool that enables face-to-face connections, classroom management and the allocation of assignments among students, all on one single platform. Its ability to do all this simultaneously effectively emulates the classroom environment and can make remote learning a seamless experience. Microsoft has developed a best practices guide for School Leaders and IT professionals to refer to, in order to make the process of integrating technology into their curriculum smoother and faster.
Once Teams or any other communication tool is up and running, educators should consider:
Conducting interactive video classroom sessions, sharing screen and encouraging the use of the chat feature for a collaborative learning experience.
With large classrooms (and taking into account the background noise of students joining from home), teachers can moderate the class discussion by muting students, making them presenters, or if needed, removing them from the meeting.
Consistently make and keep recordings of the lessons, so students can review it in their own time. This would also benefit students who were unable to join the live sessions.
Using Microsoft Forms, teachers can easily create assessments and grade quizzes, all whilst still being on Teams.
Empower learners with all abilities with the accessibility features built into Teams.
It is also important that a casual or fun channel is created, to encourage extra-curricular activities such as poetry, reading or even a virtual science fair, which can go a long way in boosting the happiness level of students.
2. Have support in place to train educators and staff
As it is the responsibility of educators to ensure our children and youths get the education that they deserve, we at Microsoft believe that it is our responsibility to provide educators with the skills and tools required for them to achieve their goals. We endeavor to continuously support Educators with practical guides, resources for professional development and information to empower them, and their students, to stay motivated and engaged, regardless of the circumstances.
As such, we would urge educators to review our series of webinars, to also help them get up and running with remote learning. We have also created a Remote Learning Community where educators launching distance learning programs from around the globe are sharing best practices, and where our Microsoft Education team is answering questions in real time.
3. Keep your students engaged
Continuity is key, especially when it comes to education. Indeed, keeping students engaged can be a challenge when conducting classes via remote learning, but there are tips and tricks to help make this work. Support must also come from parents for remote learning to truly succeed, and or them we have created a Remote Learning Guide, which provides tips on how they can make full use of the tools available to them to set up an conducive (and safe) remote learning environment for their children.
For guardians that would like to lead the learning experience themselves for the whole family unit, there is a great resource that parents can leverage on for learners of all age groups at the Microsoft Family Learning Centre.
For educators, tools like Flipgrid, Skype in the Classroom and Minecraft: Education Edition can also help inject some creativity into their lessons, giving an opportunity for students to have fun while learning.
Seeing the Malaysian education community come together to find a way to keep the flow of education going fills me with great pride. This is the essence of my great nation – we do not crumble when times are hard, instead we unite, both in spirit and in mind, to find a way forward. Our nation's youths are our pride and our future, and we at Microsoft will continue to work closely with the education community here in Malaysia to ensure that no one is left behind in their education.
We will stand by our fellow Malaysians, always.
Stay strong Malaysia!
Fedelis Team 🙂
Article Source: https://news.microsoft.com/en-my/2020/04/03/empowering-malaysias-education-community-with-remote-learning/
Category: Announcements 2020-04-09
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redpajama_set_name: RedPajamaCommonCrawl


text:
In Year With Record Rains, California Still Lost 27 Million Trees
Ari Phillips
Image: https://www.flickr.com/photos/daveynin/26739714880
For more than six years, drought and bark beetles have ravaged California's forests. Last year, the dead tree count broke 100 million. According to a new analysis from the U.S. Forest Service, it's now up to 129 million.
On Monday, the Forest Service announced that 27 million trees had died throughout the state since November of last year. The dead trees, which are mostly conifers—including pine, fir, cypress, and spruce—present a serious hazard to people and infrastructure, according to the release, especially in times of rampant wildfires like now. This year was already California's worst fire season on record before another spate of deadly fires broke out in the southern part of the state last week, including the Thomas Fire, now the fifth largest in the state's history.
Randy Moore, with the Forest Service, said in a statement that as the number of dead and dying trees continues to rise, so do risks to communities and firefighters if a fire breaks out in one of the riddled areas. The state's 129 million dead trees cover some nine million acres—an area bigger than Maryland—mostly in the central and southern Sierra Nevada region.
Moore also said the Forest Service will continue to focus on removing hazardous trees and thinning overly dense forests so they are "healthier and better able to survive stressors like this in the future."
Finding the funds to accomplish this is a challenge, though. As wildfire seasons grow longer and more severe due to climate change, human activity and poor forest maintenance, the bulk of the Forest Service's budget is increasingly taken up by front-lines firefighting. That means "funding is shrinking for non-fire programs that protect watersheds and restore forests, making them more resilient to wildfire and drought," according to Moore.
Last year fire management alone consumed 56 percent of the Forest Service's budget. That number that is anticipated to rise to 67 percent by 2025 if nothing changes.
Politicians have been wrangling over how to alleviate this growing burden for years. Back in 2014, former President Obama called for shifting the costs of fighting the biggest wildfires to the same emergency fund that handles other natural disasters, such as hurricanes and earthquakes. This would allow the Forest Service to avoid using their mitigation and prevention budget to pay for the costs of massive western fires.
Currently, two different bills to address the crisis are slowly winding their way through Congress. The Wildfire Disaster Funding Act, supported by many western senators, would end "fire borrowing" by funding the largest wildfires from disaster accounts similar to accounts used to fund other natural disasters. Meanwhile, conservative lawmakers are pushing a different bill, The Resilient Federal Forests Act, that focuses more on removing regulatory roadblocks and streamlining "the permitting process for management activities such as removing dead and owned timber."
When The Resilient Federal Forests Act passed the House in November, The Nature Conservancy came out with a statement against it, saying "it leaves the wildfire funding solution incomplete, and undermines the laws designed to ensure meaningful public input and conserve public resources."
Something clearly needs to be done. In September, U.S. Secretary of Agriculture Sonny Perdue announced that wildland fire suppression costs for the fiscal year exceeded $2 billion—making 2017 the most expensive year on record. He went on to lament the current financial structure.
"We end up having to hoard all of the money that is intended for fire prevention, because we're afraid we're going to need it to actually fight fires," he said. "It means we can't do the prescribed burning, harvesting, or insect control to prevent leaving a fuel load in the forest for future fires to feed on."
When trees become water-stressed, they have trouble producing the thick resin that helps stave off bark beetles, which have reached epidemic proportions across the West as warmer winters allow their numbers to grow. Since 2000, bark beetles have impacted some 85,000 square miles of forest in the western United States, an area the size of Utah.
The continued devastation of California's forests this year made it clear that it will take more than a few big rains to reverse the trend. Last winter, California experienced record rains, and the three-year drought state of emergency was declared over in the spring.
Unfortunately, as temperatures continue to rise, trees may a hard time surviving even less extreme droughts than the recent one in California. That's according to a new study published in Environmental Research Letters, which found that "future temperature increases expected with global change should reduce the duration of drought needed to cause widespread mortality."
Henry Adams, a plant biologist at Oklahoma State University and lead author of the paper, told the New York Times that their study found that "if the climate warms a little more, things don't get a little different, they get very different."
"You get an acceleration in the rate of mortality," he said.
Even Los Angeles' iconic palm trees are feeling the heat of this new normal.
News editor at Earther.com.
Dense non aqueous phase liquid
The Weyerhaeuser REIT, other timberland REITs and Koch Brothers' Georgia Pacific will manage it only like the private sector can. Erik Prince can provide security to keep environmentalists and birders out.
While we still have a US Forest Service, here's a nice report as a long fact sheet on the conditions of our forested lands. The bottom line is we've done pretty good since the 1950s, when conservation became a thing. In the age of shrinking government, sale of US federal forest land is up to the private sector to determine if a REIT is better off having government provide free forest management work or is the real estate of value for alternative development. Like a Bundy family freedom theme park.
The figure from the USFS fact sheet presents the area at risk by insects and blight as discussed above by Ari. A lot of forested land seems at risk.


text:
Q: Create new column for each unique item (word) with frequency count I am quite new to R and programming in general and have been struggling with the following.
I have a dataframe like below:
id     animals
 1     cat dog
 2     cat pig dog fish fish
 3     horse horse

I want to create a new column for each animal containing the frequency count for each id :
id    cat  dog  fish  horse  pig
 1     1    1     0     0     0
 2     1    1     2     0     1
 3     0    0     0     2     0

How do I achieve this?
example dput:
structure(list(id = 1:3, animals = structure(1:3, .Label = c("cat dog",
    "cat pig dog fish fish", "horse horse"), class = "factor")), .Names = c("id",
    "animals"), class = "data.frame", row.names = c(NA, -3L))

A: We can do the following:
df %>%
    separate_rows(animals) %>%
    count(id, animals) %>%
    spread(animals, n, fill = 0)
## A tibble: 3 x 6
#     id   cat   dog  fish horse   pig
#  <dbl> <dbl> <dbl> <dbl> <dbl> <dbl>
#1    1.    1.    1.    0.    0.    0.
#2    2.    1.    1.    2.    0.    1.
#3    3.    0.    0.    0.    2.    0.

Sample data
df <- read.table(text =
    "id     animals
 1     'cat dog'
 2     'cat pig dog fish fish'
 3     'horse horse'", header = T)

A: A one-liner with data.table might be:
library(data.table)
dcast(setDT(df)[, unlist(strsplit(as.character(animals), " ")), by = id], id ~  V1)

#  id cat dog fish horse pig
#1  1   1   1    0     0   0
#2  2   1   1    2     0   1
#3  3   0   0    0     2   0

Or as another option you could use dcast in reshape2:
library(reshape2)
spl <- strsplit(as.character(df$animals), " ")
df_m <- data.frame(id = rep(df$id, times = lengths(spl)), animals = unlist(spl))
dcast(df_m, id ~ animals)

A: You may choose unnest_tokens from tidytext:
library(tidyverse)
library(tidytext)

x %>%  unnest_tokens(word,animals) %>%  table()

Data:
x <- structure(list(id = 1:3, animals = c("cat dog", "cat pig dog fish fish",
"horse horse")), .Names = c("id", "animals"), row.names = c(NA,
-3L), class = "data.frame")

OUtput:
   word
id  cat dog fish horse pig
  1   1   1    0     0   0
  2   1   1    2     0   1
  3   0   0    0     2   0

Just on the side note: I love this book , in case you are interested in tidytext analysis, its a must read: https://www.tidytextmining.com/tidytext.html

redpajama_set_name: RedPajamaStackExchange


text:
Living Our Beliefs
How Can I Believe?
Emmanuel Staff
In Worship
In Membership
In Connection Groups
In Fellowship Groups
In Giving
Lutheran Links
Mark Carlson, Senior Pastor
The Reverend Mark Carlson has served as Sr. Pastor of Emmanuel Lutheran Church since his installation in November, 2011. His previous pastorates were at Zion Lutheran Church, Bogalusa, Louisiana, from June, 1983 until January, 1987; and St. James Lutheran Church, Marion, Indiana, from February, 1987 until October, 2011. Pastor Carlson has been married to his wife, Carole since April 28, 1979. They are blessed with four children; Ryan, Timothy, Kristin, and Lauren. Pastor Carlson is guided in his life and ministry by the personal mission statement, "A Passion for God and His heart for people".
Steve Holtman, Director of Education, Missions, and Worship
Steve was installed as a Vicar at Emmanuel Lutheran Church on Oct 7, 2018. He began the Specific Ministry Pastor (SMP) program in September, 2016 at Prince of Peace – Springfield, VA. Prior to that, Steve served almost 25 years in the United States Army and over 10 years with Caterpillar, Inc. In 2012, Steve was Re-Directed when he and his wife Kathy began doing a variety of Domestic and International Missions. They are blessed to have two sons, James and Curtis who is married to Lacey and one granddaughter, Amelia. Their family motto is: Always an Adventure.
John Cross, Director of Operations
John was born and raised here in the Dayton area. A graduate of Oakwood HS, as well as Wright State and Xavier Universities, John was raised Catholic and joined Emmanuel shortly after he and his wife Jillyn were married. Formerly a financial advisor with JP Morgan, John joined the staff of Emmanuel as our Manager of Operations in 2016. When not busy serving on our Campus ministry team, as well as the Endowment, Stewardship, and Worship Committees, John is also an active part of our Worship team for Sunday morning worship services. In addition, John and Jillyn are busy raising their one son, Charlie, who is in the midst of his toddler years.
Seth Illich, Manager of Youth and Young Adult Discipleship
Seth Illich is a Director of Christian Education (DCE) serving in the role of Manager of Youth and Young Adult Discipleship. He graduated from Concordia University Chicago in December of 2012 with a DCE Degree and a minor in Theology. After graduation he took the call to serve at Our Redeemer Lutheran Church in Iowa City, IA. In 2015, he and his wife Emily moved to the Dayton area. Seth is passionate about helping Youth and Young Adults grow in their faith, leadership, and life skills and he is excited to work with the Youth and Young Adults of Emmanuel.
Tony Latessa, Web Administrator/Communications Ministry Team Leader
Originally from Tipp City, OH, Tony grew up Catholic and was very involved as a teen in the Ohio Youth Commission's youth ministry program for the Archdiocese of Cincinnati. After high school, Tony attended the University of Dayton, where he received his Bachelor's degree in Psychology and his Law Degree. It was at this time that he met and later married his wife Laura in 1993. Tony and Laura have three children, Nick, Bethaney, and Daniel. Tony enjoys following all of his kids various activities, and he and Laura continue to be actively involved in their kids youth groups at Emmanuel. Tony serves as our Web Administrator and the Leader of our Communications Ministry Team.
Randy Holdeman, Manager of Connection Groups and Lay Ministry
Randy was born and raised in northern Indiana. He attended Trinity Lutheran Church where he was baptized and confirmed. Shortly after graduating from Manchester University he relocated to Dayton, Ohio where he has lived since. He married his wife Karen on Jan. 1, 1983. They enjoy doing ministry and mission together, and have been blessed with faith-filled children… Kristin & Charlie, Laura & Dan, Ranae & Zach, Elise, and 10 grandchildren.
Randy has always had a passion for sharing the Gospel and his life mission statement is based on Psalm 71:18 "Even when I am old and gray, do not forsake me, my God, till I declare Your power to the next generation, Your mighty acts to all who are to come."
In addition to camping and family activities, Randy enjoys life coaching, teaching, and using multimedia technologies to enhance the delivery of the Gospel message. He is excited to be a part of God's Kingdom work through Connection Groups and Lay Ministry at Emmanuel.
Wilson Cohoon, Manger of Missions
Wilson was born and raised in Kansas. He jokes that he did twenty years in Leavenworth, but on the outside. His childhood religious experience was with a cult and during a Sunday school opening he received a clear picture that what he had been taught just wasn't right. A high school friend and he began to discuss their faiths and as a junior he accepted Jesus as his Saviour and joined the Presbyterian Church.
Wilson and his wife Val have a son, Scott; daughter, Kelly; and grandson Corey. They once served as youth directors at Emmanuel. In 1987 after returning from a cruise, he was asked about going to Haiti for a visit to a beginning orphanage. In 1988 he and Val visited the Crow Indian reservation and then he visited the orphanage in Haiti. The Lord had called him into mission. Val also has a heart for missions and besides accompanying Wilson to Haiti has a heart for an Alaskan mission. His passion for mission has not waned. He has served on the Mission Board for many years and now serves as the Mission Team Director as well as a Lay Minister.
Magdalena Greenewald, Director ELC Worship Choir
Earning her Bachelor's Degree in Vocal Performance at Wright State University in Dayton, Ohio, with a GPA of 3.963, Magdalena Greenewald wishes to inspire all through her performing and teaching to love and appreciate music and its power. For the past three seasons, she has been a full-time member of the May Festival Chorus of Cincinnati. In addition to performing with the May Festival Chorus, she has performed with Wright State University Opera in their full production of Roger's and Hammerstein's Pirates of Penzance, and in their Opera Scenes production in excerpts from Sondheim's Sweeney Todd and Poulenc's Dialogue of the Carmelites. While at Sinclair Community College, her solo appearances in their Opera Scenes production consisted of playing Laurey Williams in scenes from Oklahoma and singing Gartin's art song The Lilac Tree. Greenewald has also performed with the Wright State University Chorus (Fall 2014-Spring 2016), with the Sinclair Community College Chorus (Fall 2012-Spring 2014), and with the Sinclair Community College Women's Chorale (Spring 2013).
Marcie Bailey, Admin Assistant, Church Statistics
Marcie has lived in the Dayton area for at least 25 years. She was raised in Cleveland, OH and attended the Immanuel Lutheran Church. She joined Emmanuel Lutheran Church in Kettering 9 years ago, and serves as Administrative Assistant – Church Statistics on Monday and Wednesdays. She is divorced and settled in a Townhouse. Marcie attends several Bible studies during the week and enjoys the fellowship we have in the church.
Laura Latessa, Admin Assistant, Worship
Born in Colorado Springs, Laura grew up across the country as the daughter of an Air Force officer, eventually settling in Dayton. A life-long Lutheran, she met and later married Tony Latessa. She worked as an office manager at both Captial University and the University of Dayton before leaving to work as a stay-at-home mother to her three children (Nick, Bethaney, and Daniel). As the kids grew, Laura worked for several years as a Preschool Teacher, and was active in the PTO at her children's schools, serving as PTO secretary and for several years as the chairperson of the school book fair. She is very involved at Emmanuel, serving in the nursery, as a mentor to the Youth, and working on VBS. In 2013, Laura began working at Emmanuel as an Admin, initially focusing on Office Communications, and now working with our Worship teams.
Emily Illich, Admin Assistant, Office
Devon Sadowski, Maintenance Technician
James Miller, Campus Caretaker ,
Kettering, Ohio 45440
office@emmanuellc.org
Classic Grace Worship Service
Sunday School & Adult Bible Study
Living Praise Worship Service
Copyrights ©2015 EMMANUEL LUTHERAN CHURCH All rights reserved.


Keratoconus (or KC for short) is a progressive disease that affects the surface of the eye and causes blurry vision and other uncomfortable symptoms. In a previous "Keratoconus Minute," Dr. Barry Leonard—one of the nation's leading Keratoconus doctors—talked about the cutting-edge diagnostic equipment he uses to diagnose and treat his Keratoconus patients.
In this next part of the series Dr. Leonard reveals the different types of custom Keratoconus contact lenses he creates with his advanced equipment—from hybrid lenses to scleral contact lenses that vault over the entire cornea. These custom lenses allow patients to finally see clearly.
Dr. Leonard knows exactly what it's like to live with KC, because he has it, too! This drives his passion and commitment to help people with Keratoconus see clearly—and live better.
Dr. Leonard has helped countless Keratoconus patients in California and across the country see finally clearly and comfortably. If you or someone you love has Keratoconus, he can help you, too.


text:
The Healdsburg Transfer Station is a solid waste recycling and reuse facility in Sonoma County, California, located at 166 Alexander Valley Road, north of the City of Healdsburg.  It is privately owned by Republic Services along with all other former Sonoma County transfer stations as of April 1, 2015. Its coordinates are .

Sonoma County along with some European nations and certain other non-federal U.S. public agencies has been a leader in recycling and adopting an extended producer responsibility plan to promote waste stream recycling and reuse.  The Healdsburg Transfer Facility receives and processes a wide array of residential and commercial wastes in order to reduce the waste stream volume destined for landfills.

Environmental issues
The facility has oversight from the Sonoma County Environmental Health Department, which assures adequate protection of water quality and prevention of soil contamination due to the facility's operations.  The county has also retained Lumina Technologies to conduct an independent assessment of sound levels emitted from the facility and access vehicles. Results of the sound level testing indicated that the Healdsburg Transfer Facility operates in a manner consistent with state and county noise regulations.

See also
Recyclable waste

References

Healdsburg, California
Buildings and structures in Sonoma County, California
Environment of the San Francisco Bay Area
Waste processing sites


text:
Валентин Васильевич Трофимов — советский рабочий и государственный деятель.

В. В. Трофимов был эвакуирован из Москвы в Барнаул 12 ноября 1941 года вместе с заводом «Арматура», который в связи с эвакуацией получил новое название Барнаульский аппаратурно-механический завод (БАМЗ), с которым просуществовал вплоть до 2012 года, когда стал частью Алтайского заводом агрегатов. В 1946 году Трофимов сменил В. М. Никитина на посту директора завода.

Трофимов в разное время работал в крайкоме, крайисполкоме и горисполкоме. С 1953 по 1958 год он возглавлял горисполком Барнаула. Его заместителями в этом качестве были Анатолий Иванович Мельников (тоже будущий глава горисполкома) и Пётр Иванович Лихачёв.

Источники

Председатели Барнаульского горисполкома


He had died at the Milton Cato Memorial Hospital on Thursday, April 11, following a period of illness.
His funeral service took place at the Kingstown Evangelical Church, at Victoria Park and was attended by scores of well-wishers, comrades and friends. Among them was London's closest friend and comrade, Hugh Ragguette, co-founder with London of the Young Socialist Group, who delivered the eulogy to this remarkable man.
Ragguette, in a brilliant delivery, put Caspar's life in its historical and social context, beginning with his birth just as the Second World War was about to end in 1945, and the subsequent emergence of the world socialist system and the Cold War. This was to have a fundamental influence on Caspar's life and times, Ragguette pointed out. He extolled Caspar's avid search for reading, his emergence as a self-taught Marxist, who never lost his grounding in local conditions and his complete devotion towards the betterment of the working class.
Tributes were also paid by one of Caspar's comrades, Renwick Rose, and by local cultural icon, Cecil "Blazer" Williams, in poetry, while Gamal "Skinny Fabulous" Doyle read a moving poem on "Dad", written by Caspar's son, Atiba Providence.
Prime Minister Ralph Gonsalves, another long-standing comrade of Caspar, also paid tribute to the outstanding trade unionist. He concluded his remarks by not only vowing to keep the memory of Caspar London alive, but also to establish a scholarship fund for local trade unionists in his name.


I wonder, will you be able to ever sell the items you get in the game? Because you will get equipment with stats that you may not need.
This can either work in Steam Market where you get euro's that you can then use to buy runestones, or ingame for actual runestones, gold or other rare items.


text:
René Konrad Marti (Sankt Margrethen, 24 maart 1939 − Sankt Gallen, 22 mei 2018) was een Zwitsers orthopedie en hoogleraar aan de Universiteit van Amsterdam.

Biografie
Marti promoveerde in 1970 in de geneeskunde aan de Universiteit van Zürich op Untersuchungen uber Pankreasschadigung bei Aethylabusus. Per 1 september 1974 trad hij aan als docent aan de Universiteit van Amsterdam met leeropdracht orthopedie. Vanaf 1 september 1976 werd hij gewoon hoogleraar met dezelfde leeropdracht; hij was verbonden aan het Academisch Medisch Centrum. Hij was meermaals congresvoorzitter waarbij van de congressen verslagen werden gepubliceerd. Tevens redigeerde hij verscheidene congresbundels en werken op zijn vakgebied. In 1985 en 1988 was hij in de publiciteit vanwege het aan de orde stellen van de lange wachtlijsten voor zijn patiënten en de niet-vergoeding van operaties door een ziekenfonds. Hij was bovendien bekend van de operaties die hij uitvoerde voor voetballer Marco van Basten en andere sporters. In 2002 ging hij met emeritaat en hield zijn afscheidscollege, getiteld Orthopaed en patient, een symbiose! op 2 april 2004. Ook na zijn emeritaat werkte hij nog mee aan publicaties inzake de orthopedie. Hij was initiatiefnemer van de Stichting Wetenschappelijk Onderzoek Orthopedische Chirurgie (nu genoemd: Marti-Keuning-Eckart (MKE)) en erelid van de Nederlandse Orthopaedische Vereniging.

Prof. dr. R.K. Marti, Ridder in de Orde van de Nederlandse Leeuw, overleed in zijn geboorteland Zwitserland in 2018 op 79-jarige leeftijd.

Bibliografie
Orthopaed en patient, een symbiose!. Amsterdam, 2004 (afscheidscollege).
[co-auteur] Osteotomies for posttraumatic deformities. Stuttgart [etc.], 2008.
[co-auteur] Concepts and cases in nonunion treatment.  Stuttgart [etc.], 2011.

Zwitsers hoogleraar
Hoogleraar aan de Universiteit van Amsterdam


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Welcome to the Uber Taxi - Boston Taxi Fare Finder. This page will calculate your cab fare using Uber Taxi - Boston, MA taxi rates. To begin, enter your travel information in the fields below the map.
How much does Uber Taxi cost in Boston?
Minimum fare is $2.60.Cancellation fee is $5.00. Tolls are additional.


text:
using System;
using System.Collections.Generic;
using System.Linq;
using System.Text;
using System.Threading.Tasks;

namespace EmployeeData
{
    class Program
    {
        static void Main()
        {
            string firstName = "Georgi";
            string lastName = "Vasilev";
            byte age = 19;
            char gender = 'M';
            long personalIdNumber = 8832525215;
            int uniqueEmpNumber = 78914563;
            Console.WriteLine("First name: " + firstName);
            Console.WriteLine("Last name: " + lastName);
            Console.WriteLine("Gender : " + gender);
            Console.WriteLine("Personal Id Numer : " + personalIdNumber);
            Console.WriteLine("Unique employee number  : " + uniqueEmpNumber);

        }

    }
}

redpajama_set_name: RedPajamaGithub


text:
Q: Is there a future replacement for thunderbird Yet? I have been thunderbird user even before was included in default apps. I have never loved Evolution and all alternative at that time were either not mature enough or single accounts.
Recentely I saw that Mozilla Thunderbird is lagging behind firefox (FF21 TB17) which is not a good sign to me and I thought its time to look for any alterative to start getting used to. I have five accounts and am not willing to use Web interface.
What is alternative that can handle multi account yet with bright future?

A: Version numbers are just numbers
One can't say that Google Chrome 27 is ahead of Firefox 21 just by judging from the numbers. Likewise isn't Thunderbird 17 dead if there's a Firefox 21.
Note that Thunderbird is still maintained and the latest release (17.0.6) was just a few weeks ago (May 14, 2013).
I do see what you mean though, as up to version 17 (from 5 on) has been in sync with Firefox and Gecko version numbers. Wikipedia on Thunderbird for example:

Thunderbird development releases occur in three stages, called Beta, Earlybird and Daily, which correspond to Firefox's Beta, Aurora and Nightly stages. The release dates and Gecko versions are exactly the same as Firefox; for example, Firefox 7 and Thunderbird 7 were both released on September 27, 2011, and were both based on Gecko 7.0.

To me this is just a convention and version numbers don't necessarily mean anything just from the number.
After 17 will be 24
According to the current state of the Mozilla.org Releases page, the next Thunderbird stable release will be numbered 24 and is planned for release in the week of September 17, 2013.
Thunderbird 23 will be available in the beta channel in the week of June 24, 2013, but won't be released as stable as far as I can see.


text:
Деклара́ція про́ держа́вний сувереніте́т Украї́ни — документ про проголошення державного суверенітету України. Прийнята Верховною Радою Української PCP 16 липня 1990 року.

Історичний контекст
Декларація приймалася в роки розпаду СРСР. Міжнаціональна напруга в азійських і кавказьких республіках подекуди виплеснулася у криваві міжетнічні сутички. 11 березня 1990 року Литва проголосила свою незалежність від СРСР, Латвія й Естонія активно готували відновлення незалежності. На вулицях українських міст Українська міжпартійна асамблея вже вела реєстрацію громадян Української Народної Республіки.

12 червня 1990 було прийнято Декларацію про державний суверенітет РРФСР, основною метою якої був перерозподіл владних повноважень і власності від союзного центру до республіки.

Перебуваючи під тиском суспільних настроїв, XXVIII з'їзд КПУ прийняв резолюцію «Про державний суверенітет Української РСР» (червень 1990 р.). Оскільки більшість у Верховній Раді УРСР складали комуністи, депутати  Верховної Ради УРСР прийняли Декларацію на виконання резолюції з'їзду. 16 липня 1990 року Верховною Радою Української PCP прийнята Деклара́ція про́ держа́вний сувереніте́т Украї́ни — документ про проголошення державного суверенітету України. Одночасно того ж 16 липня 1990 року Верховна Рада Української РСР ухвалила постанову «Про День проголошення незалежності України». У ній зазначено:

Декларація про державний суверенітет України, відредагована депутатами від РУХу, випередила декларації Росії та прийняту на з'їзді КПУ.

Декларація фактично стала програмою побудови незалежної держави та надала поштовх і напрямок процесу утворення незалежної держави.

За місяць Верховна рада Білоруської РСР прийняла декларацію про суверенітет республіки, яка повторювала тези української декларації про побудову самостійної держави.

Практично всі положення Декларації суперечили чинній на той час Конституції УРСР.

Це не означало революційної зміни поглядів комуністів. Кінцевим у Декларації стало положення про те, що принципи Декларації про суверенітет України будуть використані для укладення нового союзного договору.

День прийняття Декларації був оголошений святковим і вихідним на території України. За відсутності інших ритуалів у першу річницю прийняття Декларації комуністичні керівники урочисто несли квіти до пам'ятників Леніну, які обов'язково були у центрі кожного міста.

Всесоюзний референдум (1991)

Під час проведення єдиного в історії СРСР референдуму (Всесоюзний референдум про збереження СРСР), що відбувся 17 березня 1991 року за сприяння Уряду Української РСР, в Україні за наполяганням Народного руху України за перебудову провели республіканське консультативне опитування: «чи згодні ви, щоб Україна була у складі Союзу Суверенних Республік на підставі Декларації про суверенітет України».

Позитивно на нього відповіло понад 80 % опитаних.

За змістом питання не тільки не збігалося з питанням союзного референдуму, а й навіть заперечувало його.

З тексту українського питання «випало» критично важливе для КПРС слово «соціалізм».

По-друге, в питанні звучала зовсім інша союзна держава — не Союз Радянських Соціалістичних, а Союз Суверенних Республік.

По-третє, Декларація про суверенітет України визначалась як акт, що мав перевагу перед законодавством нової союзної держави.

Таким чином, наслідком ідеологічної боротьби Народного Руху України за перебудову стало те, що референдумом і опитуванням в Україні було легітимізовано мінімум дві (а з бажанням М. Горбачова — три) зовсім різні форми союзної держави і зроблено крок до незалежності — зобов'язання республіканській владі розробити і прийняти Декларацію про суверенітет України.

Зміст

У преамбулі Декларації підкреслювалося, що Верховна Рада УРСР проголошує суверенітет України як «верховенство, самостійність, повноту і неподільність влади республіки в межах її території, незалежність і рівноправність у зовнішніх зносинах».

Одним з головних положень Декларації було положення про громадянство. Проголошувалося, що Україна має своє громадянство, де «всі громадяни рівні перед законом, незалежно від походження, соціального і майнового стану, расової та національної належності, статі, освіти, політичних поглядів, релігійних переконань, роду і характеру занять». Громадяни всіх національностей становлять народ України.

Декларація проголошувала економічну самостійність України. У документі підкреслювалося намір створити банківську, цінову, фінансову, митну та податкову системи, сформувати державний бюджет, а при необхідності ввести власну грошову одиницю.

Декларація визнавала самостійність республіки у розв'язанні питань науки, освіти, культурного і духовного розвитку української нації.

Україна проголошувала свій намір стати в майбутньому постійно нейтральною державою, яка не буде брати участі у військових блоках і зобов'язується дотримуватися трьох неядерних принципів: не застосовувати, не виробляти і не набувати ядерної зброї.

Декларація проголошувала право України безпосередньо реалізувати відносини з іншими державами, укладати з ними договори, обмінюватися дипломатичними, консульськими, торговельними представництвами.

Реакція

Реакція Польщі
27 липня 1990 р. Сенат Республіки Польща прийняв ухвалу з приводу проголошення Україною власного державного суверенітету. В цьому документі, зокрема, відзначається:Поляки, які свободу і незалежність Вітчизни вважають своїми основними цінностями, цілком розуміють той переломний момент в історії України, — сусіда, з яким бажають жити як рівні та близькі собі народи, а також розвивати співпрацю у всьому….

Див. також
 Політичні події 1990 року в Україні:
 Страйки шахтарів Донбасу (1989—1990-ті роки)
 XXVIII з'їзд КПУ
 500-ліття Запорозького козацтва
 Революція на граніті

Примітки

Джерела та література
 О. Бойко. Декларація про державний суверенітет України // Політична енциклопедія. Редкол.: Ю. Левенець (голова), Ю. Шаповал (заст. голови) та ін. — К.: Парламентське видавництво, 2011. — с.186 ISBN 978-966-611-818-2
 . М. Мельникова. Декларація про державний суверенітет України 1990  // І
 В. П. Капелюшний. Декларація про державний суверенітет України  //
 Офіційний текст на сайті Верховної Ради

Посилання
 Декларація про державний суверенітет України 1990  //
 Міжнародні гарантії незалежності України  //
 Стенограма пленарного засідання 16 липня 1990 року . Верховна Рада України

Декларації
Суверенітет
Розпад СРСР
Нормативні документи Верховної Ради України
Акт проголошення незалежності України
Конституційне право
Історичні документи України
Історія УРСР
Історія України після 1991
Надпопулярні статті
1990 в Україні
Липень 1990


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Epping Forest je historický les, který se nachází na severovýchodním okraji Londýna, v blízkosti města Epping. Je protáhlého tvaru, táhne se severo-jižním směrem. Jeho rozloha činí 2400 ha.

Epping Forest je původní královský les a spravuje jej společnost City of London Corporation. Je evidován jako místo zvláštního vědeckého zájmu (Site of Special Scientific Interest). Les je dlouhý ve směru sever-jih 19 km, široký však ve svém nejširším místě maximálně 4 kilometry, většinou však méně. Táhne se po vyvýšené ploše mezi říčkami Lea a Roding. Po staletí se zachoval především proto, že půda, na které roste, nebyla nikdy vhodná k obdělávání. V lese se nachází lovecké sídlo královny Alžběty II., které je historického původu.

V 19. století byl předmětem sporů, zdali má být obehnán zdí jako obora či nikoliv. Vzhledem k špatným zkušenostem místních obyvatel s budováním honiteb byl nakonec přijat zákon (Epping Forest Act), který les otevřel veřejnosti. Slavnostně se tak uskutečnilo v roce 1882 při návštěvě královny Viktorie.

Les zmiňuje také v jedné ze svých písní skupina Genesis; v jejich albu s názvem Selling England by the Pound má jedna z písní název "The Battle of Epping Forest", která pojednává o bojích místních gangů.

Reference

Externí odkazy

Lesy ve Spojeném království
Londýn


CARCO completes acquisition financing with Pricoa Capital Group.
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The West of England Laser Centre is extremely proud to operate under the watch of Mr Kim Hakin MB BS, DO, FRCS, FRCOphth, an experienced, capable and respected Consultant Ophthalmologist and cosmetic eyelid surgery specialist.
Mr Hakin personally sees and treats everyone that attends the clinic, to ensure the most appropriate and effective treatment that is likely to benefit the patient. He qualified from St. Bartholomew's Hospital Medical College, London, in 1983, after which he moved on to focus on ophthalmology as a postgraduate in Barts and Southampton, followed by training at Moorfields Eye Hospital – one of the most famous and highly-respected eye hospitals in the world. This gave him the opportunity to work alongside many of the UK's very best ophthalmologists, learning to perform all types of eye surgery and participating in a number of of research projects and studies.
Whilst working at Moorfields Eye Hospital that he was involved in the treatment of patients with Botulinum toxin – the substance which would eventually go on to be launched commercially as 'Botox' and change the face of cosmetic surgery on a global basis.
At Moorfields, he became interested in oculoplastic disorders – disorders of the eyelid – that motivated an extensive period of intensive training and education in in a fellowship lasting one year at oculoplastic Surgery in Melbourne, Australia. In 1994, he returned to the UK to take up the post of at Consultant Ophthalmic and Oculoplastic Surgeon at Taunton & Somerset NHS Trust, in which he continues to date.
Mr Hakin undertakes oculoplastic and lacrimal surgery and general ophthalmic surgery (such as small-incision cataract surgery), receiving referrals from across Somerset and part of Devon. He is involved in the training of junior doctors, and also undertakes regular voluntary goodwill trips to underdeveloped countries overseas to treat patients and educate and train local doctors.


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John Ceepak Books In Order
Publication Order of John Ceepak Mystery Books
Tilt-a-Whirl (2005) Hardcover Paperback Kindle
Mad Mouse (2006) Hardcover Paperback Kindle
Whack A Mole (2007) Hardcover Paperback Kindle
Hell Hole (2008) Hardcover Paperback Kindle
Mind Scrambler (2009) Hardcover Paperback Kindle
Rolling Thunder (2010) Hardcover Paperback Kindle
Ring Toss (2011) Hardcover Paperback Kindle
Fun House (2012) Hardcover Paperback Kindle
Free Fall (2013) Hardcover Paperback Kindle
Written by the American author Chris Grabenstein, who's a native to the city of New York, this set of mystery novels set within the area of Jersey Shore have been warmly received over the course of the series run. Totalling over eight books so far and counting, they show an in-depth knowledge of the area, as well as the genre that they've been set within. The franchise has been widely praised for its strong sense of character and its skill in handling the many situations with both pathos and humor, whilst not overlooking the gravity of situation at any one time.
With the series itself it focuses on the character of John Ceepak, a police-officer now operating in the area of Jersey Shore after a period spent in the military police where he was stationed in Baghdad. Following a bad tour there he just wants to get his head down and get on with his work as an officer doing what he does best; helping people in need. Living in a fictional seaside town called Sea Haven, he is regularly presented with mysteries, which he must work to get to the bottom of providing justice to all who reside there.
The first book in the series to be published, this was initially brought out in 2005 on the 20th of September, as it introduced its readers to the character of John Ceepak. Giving him his first mystery, it managed to convey who he was and what he is about, whilst allowing the style and the tone of the series to shine through. It also brought his partner into the limelight allowing the working relationship between them both to flourish for the many novels that were to follow.
Having served in the military police in Iraq, John Ceepak has seen a bit more than he'd like to have seen, something which he must make ammends with over the course of the series. Haunted by his own demons, he is a resourceful and intelligent individual who works as an upright individual with his own key set of strengths. In anyone else's hands his character would possibly come off as somewhat prudish and self-righteous, but under the helm of Chris Grabenstein he's an intricate and ultimately decent character who readers have warmed to over the course of the series. The character of Danny Boyle is also a key figure during the proceedings as well, as he works to offset Ceepak throughout as his slightly bumbling, but ultimately good-natured partner. Working side-by-side with Ceepak, he starts as a summer cop only operating part-time, as he initially hopes to simply make enough money to have fun with his beach friends in the evening. A growing bond and sense of respect then builds between them as the twenty-four year old comes to learn more about the practice and nature of investigation through John Ceepak, as they both solve more and more cases together.
Beginning with a murdered real-estate billionaire tycoon, his body is found left on the tilt-a-whirl in a rundown and seedy amusement park in the tourist town of Sea Haven. Heading up the murder investigation instead of taking time-out to convalesce after witnessing the horrors of war, which was what he was initially supposed to be doing, he fast begins to get on with the case in hand. With the help of Danny Boyle, a young part-time cop looking for some extra money to fund his fun beach party lifestyle, he aims to bring the killer to justice and quickly. Will they be able to find the killer before it's too late? Why was the tycoon killed? Who could be behind the murder at the tilt-a-whirl?
Mad Mouse
Originally published on the 14th of May, 2006, this book continued the story of police-officer John Ceepak as he carries on with his next investigation to solve. Partnered once more with Danny Boyle, they both work together to solve the latest mystery presented to them both, as it manages to futher establish their working relationship together. Creating a new perspective to work within, it manages to build upon the style and the tone of what came previously, setting up an almost alternative outlook overall, as the surrounding characters and backstory of Ceepak are even further elaborated upon giving a greater insight into who they are.
With John Ceepak and his partner, the summer cop Danny Boyle, solving mysteries once again they're this time presented with a new case to solve. Further establishing their characters, it manages to work with what was most effective last time, whilst bringing some newer elements into the mix as well. With a villain as well, it manages to build upon themes that Grabenstein has visited before, bringing them to the surface conveying them in an extremely effective manner, thus presenting them to the audience in a clear and effective style whilst simultaneously not preaching to his readers either.
As Labor Day slowly comes to an end, it also means that the summer is beginning to draw to a close as well and someone's life could be in danger. Looking for revenge, the beach partying friends of Danny Boyle are targeted by somebody hoping to wreak havoc upon them and their lives. With John Ceepak to help out though, he'll stay beside Boyle to see that none of them come to any harm in this suspense filled sequel to the first. Will they be able to find their tormentor? Why are they being targeted? What will become of the tormentors targets as they seek a most twisted revenge upon the mad mouse?
The John Ceepak Series
Largely known for his literature for children and young adult's, author Chris Grabenstein is also well regarded for his contemporary mystery novels as well. With his work within the media too, having written scripts for television in the past, he has a keen visual style, along with his keen sense of both formula and genre. This is reflected within the narrative arc of his many colorful characters that populate his novels, with John Ceepak being no exception to this. Building upon this, there is still an enormous amount of room and potential to expand the series and the character of John Ceepak from now on into the many years to come.
Book Series In Order » Characters » John Ceepak


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Since it was created in 2003 the Cairngorms National Park has provided the ultimate destination for visitors in the UK wanting to experience a unique mixture of wilderness and cultural heritage. At the heart of the Park are the magnificent Cairngorm Mountains, with five of the UK's highest mountains and some of the most impressive corries, it truly is a walker's paradise.This double sided map and guide is the perfect companion to take when exploring the Cairngorms National Park. It's packed with information on how to get there, what to see and do - and where to go, once you're there.
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Renovated hotel in the heart of Lille, near the Place de la République with free Wi-Fi and breakfast buffet included.
Holiday Inn Express Lille Centre places you in Leon Gambetta street. A two minute walk from the Metro station République – Beaux arts , where the Metro will run in 3 minutes to the place centrale Rihour, where the Tourist Office is located and in less than 15 minutes to the Lille Flandres train station and to the Eurostar terminal at Lille-Europe train station.
The picturesque streets from the Vieux Lille, are a 20 minute walk away and the Grand Place and the marché Wazemmes is only 10 minutes away. Our front desk team will be delighted to advise you about the best places to visit.
The hotel has on-site underground parking and Lille Lesquin Airport is just a 20-minute drive away.
Business guests are only few Metro steps away from the Grand Palais exhibition centre. At the hotel, you can host events for up to 25 people in the hotel's flexible meeting space. State of the art AV equipment is available and catering can be arranged to suit your needs. There's free Wi-Fi throughout the hotel.
Soft neutral tones and bold blue fabrics decorate your Guest room at Holiday Inn Express Lille Centre. Check email with wireless Internet and help yourself to complimentary tea and coffee. You can browse the satellite channels on your flat-screen TV.
Wake up to a hearty complimentary buffet breakfast in our light-filled Great Room. At the stylish Les Beaux Arts bar, you can relax on the sofas with Belgian beers .


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The dedicated staff members of Auxiliary Services at VMI provide high quality services and supplies to support the Corps of Cadets in their four years at the Institute. The team's highest commitment is to provide excellent, timely customer service to the entire VMI community.
Comprised of approximately 175 staff members and contractors, this dedicated team works to ensure that the corps has everything it needs for day-to-day operations and life at the Institute. Each department in Auxiliary Services strives to enhance the experience of cadets on Post by providing goods and services that meet the needs not only of the average college student, but also the expanded needs of VMI's elite cadets as they learn, train, and develop into leaders at the oldest state-supported military college in the nation. Faculty and staff also benefit from the dedication and attention to detail of the team as it endeavors to provide the highest level of quality and service in each facet of life at VMI.
Questions or comments on any of our services?
Find out what's available in Crozet:
Menu for the Week
Services on Post
Tailor Shop
Military Store
The barbershop employs nine trained and state-licensed barbers and cosmetologists. The barbershop cuts average of 32,000 haircuts per year or approximately 1,000 per week. Demand for haircuts is highest in the fall semester where the barbershop averages 180 haircuts per day. Rats are required one haircut every 7 days, with each company assigned a specific day.
Standard Hours of Operation:
M-F 8:30am - 4pm
The Institute's twelve tailors provide alterations, repairs and sewing to the Corps of Cadets. On average, the team handles 300 garments per week. The tailor shop operates year-round due to substantial uniform repair, maintenance and sewing requirements. VMI's talented team repairs or alters over 20,000 cadet garments per year; this includes adding class stripes and patches, nametapes, varsity letters and club sport letters, and adding or removing rank and academic stars. The tailor shop also makes all the saber slings for the Corps of Cadets. This department is instrumental in the process of issuing uniforms to the Rat mass during Matriculation, altering garments as necessary, and completing general repairs throughout a cadet's four years of training at VMI.
M-F 7:30am – 12pm, 12:30pm-4pm
MILITARY STORE & QMD
The Military Store and Quartermaster Department have 14 employees, responsible for providing all uniform items to the Corps of Cadets, with an average of $4,500 in uniform items issued to each cadet. During Matriculation in mid-August, the team equips approximately 520 new cadets with 60,000 uniform items. All uniform items currently issued to the 1,700-cadet Corps of Cadets includes over 198,000 uniforms items, which are altered, exchanged, or replaced throughout the year as needed due to wear and tear, loss, or changes in fit due to cadet physical changes. VMI's on-hand quantities and sizes are sufficient to outfit the largest and the smallest cadets with little or no wait time.
Military Store: M-F 7:30am – 11am, 12pm-3:30pm
QMD: M-F 7:30am – 3:30pm
The armory at VMI is supported by two trained, small arms repair technicians. These dedicated professionals maintain 1,485 US Army M14 rifles, 500 US Army M4 rifles, 40 US Army M249 Squad Automatic Weapons, plus over 300 cadet marksmanship-training weapons. They provide weapon maintenance support to NCAA rifle and pistol teams, club skeet and trap, and the 3-gun competitive shooting club team. Along with these arms, the team handles swords, sashes, plumes, and officer & sword-bearing NCO belts for the Corps.
The laundry department has twenty-nine employees who process over 800 laundry bags every week with over 8,000 uniforms items. The cadets turn in laundry bags, white shirts and ducks on Monday mornings. The laundry department then sorts, tags, washes, dries, folds, repacks, and returns cadet laundry by Friday afternoon. The laundry department also offers a full-service dry-cleaning shop. A cadet can turn in dry cleaning by 10:00 and the items are ready for pick up by 2:00 the same day. In addition to laundering uniform items, the laundry department assists the Military Store and QMD during Matriculation by labeling all issued uniform items.
Laundry and Dry Cleaning, M-F 6am – 2:30pm
Uniform and Pickup Rooms, M-F 7am – 3:30pm
The mailroom provides comprehensive mail services to 1,700 cadets and 800 faculty & staff in 80 departments at the Institute. Over the course of a year, the mailroom processes over 177,000 pieces of outgoing mail and 36,000 pieces of incoming cadet mail and packages. The mailroom personnel make two Post-wide mail runs (pick-up & delivery) each day as well as three trips to the Lexington Post Office daily. The mailroom is also in daily coordination with FEDEX, UPS, and DHL to provide mail service to the Institute. The mailroom's accountability system sends automatic e-mail notifications to cadets upon receipt of mail and packages. The team processes an average of 1,500 pieces of incoming mail and 700 pieces of outgoing mail per week, keeping cadets connected to family and friends, and supporting the Institute in its daily operations and collaboration with external partners.
M-F 10am – 4pm
Located in the PX, Follett manages bookstore operations for VMI. They carry new and used textbooks, as well as offer textbook rentals at a great savings to cadets. In addition to books, they carry a wide variety of school supplies, sundry items, and also VMI-branded apparel and merchandise. In addition to shopping on Post, cadets, families, and VMI fans can find apparel and gear to support the Institute and VMI Athletics at the online bookstore. The bookstore processes and ships multiple orders for customers daily, and is the place to go to get VMI gear and course materials.
M-F 8am – 4:00pm
CROZET HALL
Parkhurst has provided food service at VMI since December 2017 and serves between 18,000 and 20,000 meals per week in Crozet Hall. Dining service operations run daily from 0700 to 2000 hours seven days a week, anytime cadets are on post. We know how important nutrition is in supporting the extremely active lifestyle of VMI cadets, so we provide larger portions than your average institution of higher education, which follows USDA-recommended portion sizes. It's not just quantity that is important, but quality as well. Parkhurst prides itself on using fresh ingredients to create meals that are both healthy and delicious. In addition, they strive to offer variety, giving cadets a choice in meals, particularly at lunch. Nutrition information can be found at https://netnutrition.cbord.com/nn-prod/7000.
Menus and more information from Parkhurst are available at: https://vmidining.catertrax.com/
M-F 7am – 9:30am, 11am – 1:30pm, 5:30pm – 8pm*
Sat. 7am – 9:30am, 11am – 1:30pm, 5:30pm – 8pm*
Sun. 8:30am – 10:30am, 10:30am – 1pm, 5:30pm – 8pm*
*Crozet is open to the Old Corps for grazing from opening until closing
Cadets, faculty, staff, and visitors alike have the opportunity to visit the PX for a delicious, quick, and convenient variety of food to satisfy any craving – whether it's something quick between classes or settling at a table to enjoy a meal. The café features Starbuck's specialty drinks, espresso, and drip coffee. Visitors can also select from handcrafted grill items. The most recent addition to the PX - Freshens - offers smoothies, grilled flatbread sandwiches, wraps, internationally inspired rice bowls, and made-to-order salads in a crispy crepe. Finally, the PX offers a variety of On the Go! Sandwiches, made-fresh-daily, Sushi Matsumoto sushi, salads, and healthy snacks.
M-Sat 8:30am - 11pm
Sun. 11am - 11pm
Freshens
Daily 11am – 10:30pm
PX Grille, PX Oven and Subs
Daily 11am – 2pm, 6pm – 9pm
CONTACT OUR TEAM: ☏ 540-464-7096 | ✉ auxservices@vmi.edu


Winter can be challenging for all of us, from snow packed sidewalks to ice covered parking lots. Here are some tips to prevent a fall this season!
We all get a little blue during the winter months, but for seniors, seasonal depression can be even more challenging.
Having a pet around can provide companionship and comfort but may even provide some health benefits for seniors. At Proctor Place, even your furry friends are welcome to move-in with you.
Shrinking social networks can be a normal part of the aging process. And unfortunately, loneliness is a risk factor for both functional decline (mental and physical) as well as an early death. In this article, there are several tips on how to expand your social circle, late in life.
Our sleep needs do not change during adulthood, they tend to remain constant. What may change over time is our sleep patterns and even our sleep habits.
Independence plays a key role in the quality of life as a person ages. A large part of independence is being able to get around safely while driving. Unfortunately, a person's ability to drive a car can change as they age.
Did you know that Proctor Place has it's own miniature golf course?
It's a new year which means many people resolve to get healthy! Maintaining a healthy diet can be challenging and can get more difficult as we age. Here are some nutritional guidelines for seniors.
Want to talk to us directly or visit Proctor Place?


The Islamic Corporation for the Development of the Private Sector (ICD) is a multilateral organization, part of the Islamic Development Bank (IDB) Group. ICD was established in November 1999 with an authorized capital of USD 2 billion and a membership of 52 countries to promote economic development of its member countries in accordance with the principles of the Shariah through private sector development. ICD encourages the establishment, expansion and modernization of private enterprises through financing private sector enterprises or projects. Projects are selected on the basis of their contribution to economic development considering factors such as creation of employment opportunities and contribution to exports. ICD also provides advice to governments and private sector groups on policies to encourage the establishment, expansion and modernization of private enterprises, development of capital markets, best management practices and enhance the role of market economy. ICD operations complement the activities of the IDB.
Kazakhstan Ijara Company (KIC) is the first Sharia compliant leasing company in Kazakhstan has been founded in April 2013 as a partnership of ICD and by diverse group of international and local investors. Registered Charter capital is $40 mln. and the initial paid up capital of the Ijara Company is $28 mln.. The company operates in the field of Islamic leasing and provides Ijara financing facilities to all sectors of the economy, especially to support the development of small and medium enterprises (SMEs) by providing alternative sources of Sharia compliant financing for their projects.
Eurasia Group AG is the National Distributor of John Deere in Kazakhstan and Kyrgyzstan. John Deere is one of the largest manufacturers of agricultural machinery in the world. Eurasia Group AG provides its customers with equipment also from other well-known and worldwide recognized manufacturers as Kuhn, Degelman. Agricultural products, sold by Eurasia Group, include tractors, combine harvesters, cotton harvesters, balers, planters/seeders, tillage equipment, sprayers, irrigation and turf equipment.
Headquarters of the company is registered and located in Switzerland.
In Kyrgyzstan the business is run by its daughter company Eurasia Group Kyrgyzstan LLC.
Tredstone LLC was established in 2009 as a spin-off from the Holland private equity fund specializing in small and medium enterprises in Russia. To the moment of spin-off Tredstone team has acquired in-depth experience in M&A advisory, due diligence, project finance and principal investment in Russian and Central Asian companies. In 2012 headquarter of Tredstone LLC was moved to Kyrgyzstan with presence in Moscow, Almaty and Istanbul.


Generally your home provides the best opportunity to secure the most cost effective debt available in any given market. As your home is used as security against the loan, it provides the lender with additional confidence to lend money to you and at a lower interest rate than a credit card or personal loan.
Credit cards and other store loans are provided without security and therefore lenders charge much higher rates of interest as in the event of default they are unable to immediately gain access to your assets to seek repayment of their loan.
In the majority of instances you will be financially better off utilising your home loan given the potential interest savings.
It is important to remember that rather than continually spending borrowed money, good budgeting, spending within your means and controlling your discretionary spending are the keys to getting ahead financially. A good savings and investment plan combined with a planned debt reduction strategy are important tools in securing your financial independence. That's a key component of our service offerings to you.
It is also worth noting that consolidating debts that are overdue, over limit or in arrears may not be approved by mainstream lenders. You will also need to have sufficient equity in your property to add the additional debt to the loan. We will explore your individual circumstances to determine if debt consolidation may be suitable.
To ensure that you are minimising your interest payable on a soon to expire interest free loan or credit card that is unlikely to be paid off in the foreseeable future you may like to consider debt consolidation as part of your debt reduction strategy. This involves taking multiple debts and consolidating them into one loan with a much lower average interest rate. A home loan usually has the lowest interest rate.
In this example, consolidating all debt will reduce the monthy repayments from $2337.43pm to $1580.16pm (a whopping saving of $757.27 PER MONTH) and helping you to regain control of your finances. This should only be undertaken for a short period of time as you will pay additional interest (over and above your regular home loan) as a result of a number of the loans being repaid over a longer term. Sometimes when you refinance it gives you a false sense of security with the additional cashflow available to spend each month. Don't be fooled or you may end up in the same financial place you have just came from.
The average Australian household has a debt of around 185% of their annual disposable income.
Australian households have the fifth highest debt levels in the world with household debt increasing fourfold since 1988 .
Average debt levels are $12,643 for personal loans, $3,114 for credit card balances and $16,320 for car loans.
So what does this mean for the 'average' Australian?
Is your debt growing faster than your assets?
Are you concerned about your debt situation?
Are you struggling to make your monthly repayments?
Does it always seem like your bills amount to more than your wages?
If you answered yes to one or more of these questions, then perhaps it's time to look at a solution for your debt condition NOW – before it's too late.
Why do so many of us have debt problems?
Some people fail to recognise that using credit to purchase items for use TODAY means they are spending their future earnings before they have even received them.
With debt levels increasing the government is currently assessing credit card rules – there is a push for lenders to assess suitability based on a consumer's ability to repay within a reasonable period. However in the past lenders have offered credit cards, with preapproved limits, without thoroughly checking credit histories or capacity to repay.
In the past we saved up or used the lay-by method, ie we used money we already HAD for items we wanted. Now, as an 'instant gratification' society with an abundance of creditat our finger tips we are tempted to use it without considering future consequences. Little wonder many people experience high levels of debt. What are the first signs of trouble?
You think it is unlikely you will be able to repay your existing debt with your foreseeable future income.
You have multiple credit cards.
You are no longer paying the balance of your debt each month – you just pay the minimum amount.
You arranged for more credit cards (or a personal loan) to help pay off the other cards.
You added a store card(s) because there was no room left on the credit cards…. Eventually your repayments start to approach – or even exceed – your income.
We all know that good budgeting and discretionary spending discipline is the real answer, but sometimes it doesn't matter how well you budget there's just not enough money to make ends meet.
One solution (and this is NOT for everyone) may be debt consolidation.
For some of us it may be too late for budgeting because the debt level is already greater than your income and there is nothing that can be done. In this instance, debt consolidation may be the option for you.
This is when you take multiple debts (where the majority of the debt has a much higher interest rate) and consolidate the debt into one loan with a lower average interest rate. Generally most people opt for refinancing against their home (using existing equity) as it has the lowest interest rate. For example, your home loan rate may be 5.5% as opposed to a personal loan that might be 10.95% or higher (definitely lower than most credit cards). How can we help?
If your debt levels are a concern and you think you may be experiencing the first signs of trouble CALL US NOW before it is too late. We don't judge. We are here to help.
Ask us for our debt consolidation spreadsheet to see how much we can potentially save you each month to go towards the payment of your debt. You may be surprised.
Even if you are managing your current debt, it never hurts to review your finances to see how your cash flow can be impacted favourably.
If you have friends or family who you think could benefit from reading this article, please forward it to them.
http://www.indigofinance.com.au/wp-content/uploads/2017/04/album_photos_medium_29.jpg 153 299 wsadmin http://www.indigofinance.com.au/wp-content/uploads/2017/01/indigo-finance-logo.png wsadmin2017-04-19 15:43:422017-04-19 15:43:42Debt got you down?
Once upon a time when the cash rate moved (up or down), most lenders would typically move their interest rate in alignment with the cash rate change.
Have you noticed that when the cash rate moves up the lenders are quick to pounce on an increase and pass these increases on to us – the consumer – immediately?
AND have you noticed that when the cash rate goes down it can take at least a month for them to respond and for them to pass on the savings?
If you have been paying attention over the last few weeks, the major banks have increased their rates independently of the Reserve Bank's monthly decision to keep the cash rate unchanged.
Not only are they penalising investors (those who provide public housing), but now owner occupiers are taking a hit as well. Even small business variable loans are being increased. We hear all the time that the banks are hiking up their rates in response to increased funding costs (which is true – but that's another story), however it is still a hard pill to swallow when they announce their multi-million dollar profits each year.
So what can YOU do as a consumer of lending products?
According to a major study reported only 12 months ago, 90% of home owners DO NOT KNOW THEIR CURRENT INTEREST RATE1. And even more concerning is that the average Aussie pays up to 1.75% more interest on their home loan than the lowest rate available. That's just over $5,000 PER YEAR for an average home loan of about $435,000 (in NSW).
If it hasn't been in the last 18 months, then it is pretty easy to suggest that there may be additional savings we could be finding for you. The CASH RATE has dropped 100 basis points (1%) in the last 2 years. How confident are you that your lender passed all of these savings on to you?
Sometimes we don't even have to change your lender to get you a better rate. Just ask us and we will negotiate this for you.
We know (from all the years we have been in the finance industry) that your current lender IS NOT going to call you and tell you they are offering better deals to new clients (rather than looking after their existing, longer term and loyal clients) AND they will certainly not tell you that there is a better deal with another lender.
The BIG four are not the only lenders in the market place. There are many other lenders in the market place who can provide similar offerings and sometimes even better facilities for your personal situation.
That's why we are here for you.
To do all the ground work and find a financial offering that not only suits your needs and circumstances, but to guide you through your financial journey as life and the world around us changes.
Jump on the phone or email us today to secure a conversation on how we may be able to improve your financial position.
http://www.indigofinance.com.au/wp-content/uploads/2017/03/default-v2.jpg 198 300 wsadmin http://www.indigofinance.com.au/wp-content/uploads/2017/01/indigo-finance-logo.png wsadmin2017-04-19 15:42:382017-04-19 15:42:38What's that all about?
If you have a 'no frills' home loan or is it packaged with other finance products?
If you have an offset account?
The purpose of an offset account?
If you have a redraw facility? If so, do you use it?
If your loan attracts a break fee?
How many times did you answer 'yes'?
Research conducted last year found that many Australian consumers don't know or understand the basic features of their own home loan. That's a bit of a worry when some common home loanfeatures could potentially save you money!
If you are not using your home loan features effectively you could be missing out on the many benefits that were set up for you when we established your finance.
As your finance specialist this is one area where we really come to the fore. WE can impartially answer all of those home loan questions you might have that apply to YOU and your individual circumstances.
With so much media hype about having to get the lowest interest rate it is easy to overlook other facilities that could deliver benefits and savings over the life of your home loan.
Research tells us that we all want to pay off our home loans quicker!
Another recent survey found Australians are trying to reduce their mortgages as quickly as possible – in fact the survey found 60% of homeowners make extra loan repayments. 40% of respondents made more frequent payments, eg fortnightly or weekly instead of monthly, and 34% used a linked offset account to fast track their home loan repayments.
In Australia close to 50% of home loans these days have a linked offset account. We find the biggest mistake most people make is not utilising their offset account wisely – they forget that we are here to help with the ongoing use and understanding of your finance education.
If you don't know or have forgotten what features your home loan includes and are not confident you are using them effectively then you need to reach out to us!
If you haven't revisited your loan features for a while – or if your circumstances have changed since you last reviewed your loan package – then it's time to give us a call to help you start using it properly. It may even be that we can assist you with a new structure or package.
We'd be happy to book a time for a finance review if you would like to check your current loan features! Book now to receive 10 free enteries to our amazing Santorini competition!
http://www.indigofinance.com.au/wp-content/uploads/2017/03/default-v2.jpg 198 300 wsadmin http://www.indigofinance.com.au/wp-content/uploads/2017/01/indigo-finance-logo.png wsadmin2017-04-19 15:42:122017-04-19 15:42:12How much do you know about your home loan?
Do you have what it takes to be a good Property Investor?
Income earners of five figure salaries are often the ones who knuckles down and save. Careful budgeting and discipline, coupled with motivation, are very important attributes of successful property investors. If you have had good practice stretching your dollar further and living within yur means, you might already have what it takes.
They know they need to do something to get a better financial future. Many people are scared to invest in property because they just don't like having debt. That's a fair call…..but you can reduce your risk.
Will you be part of the 20% of Australians who invest to secure their financial future OR will you be in the 80% who will need to rely on some form of goverment support at retirement?
Property is considered on the upside.
Spring is approaching – traditionally a period when there are more properties advertised for sale. It is also sometimes easier to obtain an investment loan than your first home loan.
http://www.indigofinance.com.au/wp-content/uploads/2017/04/album_photos_medium_25.jpg 162 299 wsadmin http://www.indigofinance.com.au/wp-content/uploads/2017/01/indigo-finance-logo.png wsadmin2017-04-19 15:40:472017-04-19 15:40:47Do you have what it takes to be a good Property Investor?