应用反相高效液相色谱 (RP HPLC)方法分析测定了冬季厦门鼓浪屿水文观测站两周内不同潮位海水中的光合色素的组成与含量 ,包括多甲藻素、1 9 己酰基氧化岩藻黄素、硅甲藻黄素、硅藻黄素、玉米黄素、叶绿素a、脱镁叶绿素a、β 胡萝卜素等 .同时还实测了小球藻、金藻、盐藻、甲藻、角毛藻、螺旋藻等多个实验室培养藻种的色素组成 .数据表明 ,不同种类的藻类具有不同的色素组成特征 ,从海水中光合色素的分析数据可推测其浮游植物主要种类组成情况 .潮汐的水动力情况在色素组成变化上有所反映 ,表明港内外的浮游植物组成分布有梯度存在 ,且在特征上有所不同 .
Photosynthetic pigments in seawater samples of Xiamen Harbor in winter have been measured by HPLC, and pigments of some cultured species of phytoplankton have also been measured, such as Chaetoceros sp., Prorocentrum cassubicum,Isochrysis galbana, Dunaliella salina, Spirulina platensis, Synechococcus sp. The data of about 15 kinds of pigments are obtained, including chloropyllide a, chlorophyll c, peridinin, 19'-butanoyloxyfucoxanthin, fucoxanthin, 19'-hexanoyloxyfucoxanthin,violaxanthin, diadinoxanthin, diatoxanthin, lutein, zeaxanthin, chlorophyll b, chlorophyll a, phaeophytin a, beta-carotene. The abilities of pigments indicating phytoplankton in seawater of Xiamen Harbor are discussed and results shows that tidal current is a most important controller to abundance and specific composition of phytoplankton and pigments indicate that diatom and chrysophyceae are the main phytoplankton.


Take a tour of this legendary Kentucky town with the native Bluegrass Band.
Kentucky is home to bourbon, BBQ, and bluegrass, and for The Wooks who call Owensboro home, they are right in their element. "The community of Owensboro continues to come together to jam out to good old bluegrass, so we're in fine company here," the band says. For those just getting acquainted with the Kentucky city, The Wooks is here to lend some pointers.
"Start your day at the Creme Coffee House on 2nd Street for customized coffee and tea, tasty breakfast sandwiches and pastry." With Ohio River views, this indie coffee shop is a great place to unwind in a quirky, but friendly setting.
The Western Kentucky Botanical Gardens offers expansive outdoor gardens (there are 7, each with its own nature theme!) with plenty of zen appeal to clear the mind and recharge the soul. If the Daylily Garden isn't enough for a recharge, perhaps the Butterfly, or the Fruit & Berry Gardens will do.
Hit up Famous Bistro for Mediterranean-influenced American fare, or Gary's Drive In for greasy goodness followed by a dreamcicle shake. Both places are super casual and locally owned. Be prepared to wait for a table on any given day at Gary's.
No Owensboro visit is complete without a pit stop at the Bluegrass Hall of Fame and Museum, where the past comes to life in a town steeped in bluegrass culture. Follow this by seeking out some live music. The Theatre Workshop of Owensboro and the Owensboro Symphony are equally top notch spots to do just that.
The annual BBQ Festival kicks off in May if you're looking for quintessential Kentuckian events to plan around. Since 1979, local culinary teams compete for the festival's Governor's Cup, an Owensboro honor for "best secret bbq recipe".
As for dinner, make a reservation at The Miller House, which is located in a gorgeous landmark mansion downtown, that's full of old southern grandeur charm. The restaurant offers nightly live music along with upscale southern-style American fare, and a bourbon-focused bar with 600 whiskeys to choose from.


text:
Field Guides/
Warblers in Your Pocket: A Guide to the Wood-Warblers of the Upper Midwest
by Gardner, Dana
Format: Other
Field Guide=A guide with illustrations or photographs for identification
This newest addition to Iowa's popular series of laminated folding guides-the twenty-eighth in the series-illustrates the thirty-eight species of warblers that occur in the Upper Midwest states of Minnesota, Illinois, Nebraska, Kansas, North Dakota, South Dakota, Iowa, Indiana, Michigan, Ohio, and Wisconsin. For each species, artist Dana Gardner provides length, range, and habitat; he illustrates male, female, and immature birds where plumage varies; and he includes birds similar to warblers such as kinglets and vireos. Color paintings.
Publisher: University of Iowa Press
Raptors in Your Pocket: A Guide to Great Plains Birds of Prey
Cerulean Warbler: Birds of North America species account
The Warbler Guide

redpajama_set_name: RedPajamaCommonCrawl


text:
Accueil»trad»'The Witcher' Reveals Another Look At The Wild Hunt From Season Two
'The Witcher' Reveals Another Look At The Wild Hunt From Season Two
Images via Netflix
While Netflix's The Witcher stuck on something with the second season, Wild Hunt failed to live up to expectations due to their limitations.
Of course, to call what is essentially a lavish guest appearance "limited screentime" would be an overstatement. The Wraith of Mörhogg only appears for a brief moment in the final act of the final episode. In fact, one could go as far as to think of this appearance as more of an intro to an unresolved story than a proper introduction to one of the most feared foes. that Geralt and Ciri face on their journey.
Executive Producer Lauren S. Hissrich promised that next season would fix this particular problem, but it's still a long way off and we don't even have a proper look at the Eredin drivers yet. Close your eyes as much as you can, because it's really hard to find any important details about tantrums.
Fortunately, Netflix's official Twitter account The Witcher decided to give us a proper look at the design for Wild Hunt by sharing a lot of concept art. As you can see for yourself below, each rider has a different and bone-chilling look.
Not to be explicit here, but if you think you've seen these sketches, it's because the design for the real-life Wild Hunt resembles CD Projekt Red's work. The Witcher 3: Wild Hunt, though I think it's safe to say that the similarity is a deliberate effort on the part of Netflix.


Indiana's Indiana is dedicated to exploring and celebrating Robert Indiana's childhood years in the state of Indiana and his artworks that celebrate the Hoosier homeland. Before he left the state for good in 1946, he lived in 21 different homes over his first 17 years. We will tell the story of Indiana through the places he lived, worked, played, and went to school.
If you have stories that you'd like to share about Indiana, please contact us and help build this project.
Also note that while the site is now live, it's really a work in progress and will evolve along with the content. It was created by three dedicated fans of Indiana: Hadley (Tad) Fruits, Matt Gipson, and Richard McCoy. Tad's the photographer, Matt's the web designer, and Richard's the writer.
The design of this project was inspired by Indiana's painting The American Dream, I, which was his first painting sold at a gallery in New York. Alfred Barr purchased the painting for the Museum of Modern Art in 1961.
His friends call him Bob, but for the sake of consistency, we will call him Robert Indiana. He has a newly-launched personal webpage, RobertIndiana.com, where you can find out all sorts of information about him.
Do you have a Hoosier story to share about Robert Indiana? We'd love to hear about it! Contact us.


text: Q: How to have a executable file to run from Python In the Visual Studio we can easily write some codes, run and then compile the codes and finally have a unique executable file to run in Windows. I'm a beginner in Python and it seems we can easily write some codes and run as well. But I need to have a unique executable file that I can click on it and it performs the code in Windows. Is it possible to do such thing? I mean users don't need to see codes and by performing some steps run the program. They just click and run the application.

redpajama_set_name: RedPajamaStackExchange


text:
Domy obdarowania (ang. endowment houses) – w Kościele Jezusa Chrystusa Świętych w Dniach Ostatnich budynki bądź miejsca przeznaczone do odprawiania obrzędów zazwyczaj zarezerwowanych dla świątyni. Wiązane przede wszystkim z początkowym okresem mormońskiej historii, odegrały istotną rolę w rozwoju kultu świątynnego. W teologii świętych w dniach ostatnich porównywane do Świętego Przybytku, przenośnej świątyni starożytnych Izraelitów. Najistotniejszy obiekt tego typu, Dom Obdarowania w Salt Lake City, poświęcono w 1855. Zburzony został w 1889, pośród kontrowersji wokół małżeństw poligamicznych.

Pierwsze domy obdarowania

Wiązane są przede wszystkim z początkowym okresem mormońskiej historii, w tym z początkami oraz samym rozwojem kultu świątynnego. Już pierwsza świątynia wybudowana przez świętych w dniach ostatnich, wzniesiona w Kirtland w stanie Ohio, miała pomieszczenia wykorzystywane do odprawiania wczesnych form obrzędów świątynnych. Znajdowały się one przeważnie na poddaszu świątyni. Miały charakter doraźny, służyły również jako miejsca spotkań rozmaitych rad oraz kworów kapłańskich.

Późniejsze domy obdarowania, o bardziej już rozwiniętej funkcji, teologicznie umocowane były zasadniczo w objawieniu z 1841. Objawienie to obecnie stanowi 124. rozdział Nauk i Przymierzy. Pierwsze miejsce, które można określić mianem domu obdarowania, znacznych rozmiarów pokój w górnych partiach sklepu należącego do Josepha Smitha, znajdowało się w Nauvoo w Illinois. 4 maja 1842 swe obdarowania otrzymała w nim garstka najbliższych współpracowników pierwszego mormońskiego przywódcy, wkrótce potem zaś ich małżonki. Obrzęd ten, wciąż wówczas w początkowej fazie swojego rozwoju, obejmował niemniej, tak jak i obecnie, szereg pouczeń wraz z rytuałami obejmującymi modlitwy, obmycia, namaszczenia oraz przystąpienie do przymierzy z Jezusem Chrystusem. Inny obrzęd, mianowicie chrzest za zmarłych, krótko odprawiany był również w rzekach nieopodal Nauvoo. Smith wspominał jednocześnie, że ubożsi wierni mogą otrzymywać swe obdarowania na szczytach górskich.

W najwcześniejszym okresie mormońskiej historii obrzędy świątynne regularnie powielały ten przechodni schemat, z domami obdarowania w różnych miejscach i o ograniczonej palecie odprawianych w nich ceremonii. W zasiedlonym przez świętych w dniach ostatnich Winter Quarters w dzisiejszej Nebrasce odprawiano, zgodnie z zaleceniem Brighama Younga, jedynie pieczętowania, pieczętowania związane z małżeństwami oraz adopcje. Jedynym wyjątkiem zdają się być tutaj chrzty za zmarłych przeprowadzone w tym miejscu przez Wilforda Woodruffa w kwietniu 1848.

Miejscem odprawienia większości obrzędów świątynnych podczas pobytu świętych w dniach ostatnich w Winter Quarters była naprędce skonstruowana budowla, której nadano nazwę Council House. Do niej też nawiązywał wspomniany niżej budynek wzniesiony już w Salt Lake City.

Chrzest za zmarłych praktykowano również poza najbliższymi okolicami Nauvoo, przede wszystkim między 15 sierpnia 1840 a 3 października 1841. Istnieją dowody na jego obecność w społecznościach świętych w Kirtland, Quincy i Limie. Można domniemywać, że pojawiał się również w praktyce religijnej wiernych zamieszkujących Montrose, Nashville, Ramus, LaHarpe czy Plymouth.

Domy obdarowania we wczesnym Utah
Domy obdarowania, jako niezbędna część praktyki religijnej świętych w dniach ostatnich obecne były również już w początkach mormońskiej kolonizacji dzisiejszego stanu Utah. Termin ten miał w tym okresie dosyć szeroki zakres znaczeniowy, zależny od kontekstu. Przez historyków architektury mormońskiej wymieniane pośród typów wyspecjalizowanych budowli kościelnych, które pojawiły się w XIX wieku, wraz z salą kapłańską, salą Stowarzyszenia Pomocy i biurem do spraw dziesięciny. Jednocześnie zalicza się je do budynków z zastosowaniem praktycznym ograniczonym zasadniczo do tego tylko stulecia. Poniżej omówiono poszczególne miejsca pełniące funkcję domu obdarowania już po mormońskiej migracji na zachód.

Ensign Peak, wzniesienie położone na północ od Salt Lake City, zostało uznane za naturalną świątynię i jako takie zostało poświęcone. Wykorzystano je jako dom obdarowania przynajmniej raz, podczas ceremonii z 21 lipca 1849. Swoje obdarowanie otrzymał wówczas Addison Pratt. Jakkolwiek kolejne wydarzenia przynależne do kultu świątynnego mogły mieć miejsce na Ensign Peak, nie ma na to bezpośrednich dowodów.

Czasem jako dom obdarowania służyło drugie piętro biura Brighama Younga, ówczesnego prezydenta Kościoła. Znacznie częściej jednakże obrzędy świątynne odprawiano w Council House, pierwszym większym budynku użyteczności publicznej wzniesionym w Salt Lake City. Między 21 lutego 1851 a 5 maja 1855 swe obdarowania otrzymało w nim 2222 członków Kościoła.

Dom Obdarowania w Salt Lake City

Z czasem wzniesiono budynek przeznaczony wyłącznie do kultu świątynnego, nad którym prace rozpoczęto w 1854. Tak powstały Dom Obdarowania mieścił się w północno-zachodnim rogu Placu Świątynnego w Salt Lake City. Poświęcony został 5 maja 1855 przez Hebera C. Kimballa. Był dwupiętrowym budynkiem z dodatkowymi mniejszymi przedłużeniami po obu stronach. Mieścił pomieszczenie do obmyć oraz namaszczeń jak również pokoje ogrodowy, światowy i terestialny (pierwsze piętro). Drugie piętro gościło natomiast pokój celestialny wraz z przylegającym doń pokojem pieczętowania. W czasie przeszło trzech dekad swego istnienia posłużył do odprawienia 54 170 obdarowań oraz  przeszło 134 000 chrztów i konfirmacji za zmarłych. Rocznie zawierano w nim średnio również około 2500 małżeństw. Podobnie jak świątynie obecnie był też miejscem dla kręgów modlitewnych. Ustanawiano w nim takoż świeżo powoływanych misjonarzy. Nie dokonywano w nim niemniej obdarowań za zmarłych oraz niektórych innych obrzędów świątynnych.

Zaprojektowany przez kościelnego architekta Trumana O. Angella, został wzniesiony z myślą o wyłącznie swej funkcji obrzędowej. Odróżniał się w ten sposób od wcześniejszych świątyń, mających pomieścić jednocześnie znaczne grupy ludzi. Niepozorny, przez odwiedzających wczesne Salt Lake City był krytykowany jako obiekt niezwracający szczególnej uwagi. Jego wnętrze było wszakże bogato zdobione, również dzięki wykorzystaniu wyrafinowanej symboliki religijnej. Poza wspomnianymi wyżej pomieszczeniami o przeznaczeniu ściśle obrzędowym wyposażony był również w jadalnie oraz nowoczesne łazienki.

Dom Obdarowania został zamknięty 8 października 1876, na polecenie Brighama Younga. Mormoński przywódca podkreślił przy tej okazji konieczność skoncentrowania się na stworzeniu stałych struktur świątynnych w Utah. Wkrótce po śmierci Younga w 1877 Dom Obdarowania otwarto jednak ponownie, początkowo z myślą o zawieraniu w nim małżeństw. Od października 1879 odprawiano wszystkie uprzednio w nim obecne obrzędy świątynne. Omawiany obiekt zburzono ostatecznie w listopadzie 1889, w związku ze zbliżającym się ukończeniem świątyni Salt Lake oraz z kontrowersjami wokół małżeństw poligamicznych. Sama świątynia Salt Lake natomiast, kluczowy dla mormonizmu obiekt, została ostatecznie poświęcona 6 kwietnia 1893. Sam koncept domu obdarowania bywa przez świętych w dniach ostatnich porównywany do Świętego Przybytku, przenośnej świątyni starożytnych Izraelitów.

W Domu Obdarowania w Salt Lake City posługiwali liczni mormońscy przywódcy. Wymienić tutaj można choćby Daniela H. Wellsa, Josepha F. Smitha, Lorenzo Snowa czy Wilforda Woodruffa. Do służby w nim powoływane były również rozmaite kobiety kierujące afiliowanym przy Kościele Stowarzyszeniem Pomocy. Znalazły się wśród nich Eliza R. Snow, Elizabeth Ann Smith Whitney, Bathsheba W. Smith, Julina Lambson Smith i Edna L. Smith. Był pierwszą poświęconą budowlą w historii mormonizmu niedostępną dla osób spoza religii bądź nie mających prawa do uczestniczenia w kulcie świątynnym.

Mimo jego istotnej roli we wczesnej mormońskiej historii pozostaje strukturą w większości zapomnianą. Zauważa się jednak, że znaczna część współczesnych mieszkańców Utah może wywieść swoje pochodzenie od ludzi, którzy swe obrzędy świątynne otrzymali właśnie w Domu Obdarowania.

Domy obdarowania w okresie późniejszym

Praktyka odprawiania obrzędów świątynnych poza świątyniami dobiegła końca wraz z ukończeniem pierwszych stałych obiektów tego typu. Niemniej sporadycznie przewija się ona w późniejszych dziejach mormonizmu, wraz z samymi domami obdarowania. Pod koniec lat 70. XX wieku podejmowano próby wybudowania domu obdarowania w Karl-Marx-Stadt (Chemnitz) w ówczesnej Niemieckiej Republice Demokratycznej. Zostały one zarzucone na skutek napotkanych przez Kościół trudności biurokratycznych. Ostatecznie zarzucono też propozycję skonstruowania domu obdarowania w saksońskim Freibergu. To ostatnie miasto od 1985 gości świątynię mormońską, jedną z dwóch wzniesionych na terytorium Niemiec.

Apostolic United Brethren (AUB), niezwiązana z Kościołem Jezusa Chrystusa Świętych w Dniach Ostatnich fundamentalistyczna grupa mormońska wzniosła swój własny dom obdarowania w Bluffdale w latach 80. XX stulecia. Przynajmniej jedno źródło podaje, że, poza tym już wspomnianym, AUB posiada kilka innych domów obdarowania.

Przypisy

Bibliografia

Historia ruchu Świętych w Dniach Ostatnich
Salt Lake City

redpajama_set_name: RedPajamaWikipedia


text:
NEW STORE FOR WINDOWS SHOPPING IN S.F.
By Beth Piskora
Microsoft is venturing into the retailing business.
The computer software giant is opening its own store in technology-friendly San Francisco, where it will allow customers to test and buy its various software packages.
Software from competitors will not be carried, though Microsoft will carry some titles from other companies whose software complements Microsoft's own offerings.
The move has traditional software retailers on edge, as they try to determine whether they should view Microsoft not as a supplier of goods but as a competitive threat.
"I think Microsoft has seen the writing on the wall with Compaq," said Jesse Berst, editorial director of AnchorDesk.com, an online news service specializing in Silicon Valley.
"You must sell your products anywhere and everywhere your customers may want to find them, lest you risk becoming 'Delled,' as Compaq did," added Berst. "This is an experiment and if the pushback is too angry and vocal, Microsoft may back away for a while, but this is the trend of the future for Microsoft."
The Microsoft business manager assigned to the new store, which will be called microsoftSF, said the software giant has no plans to open any more of its own stores.
"We are viewing it as a showcase for Microsoft technology," said Lily Kanter. "Conceptually, the whole store is about Microsoft. If we were to open 50, there would be just concern [from other retailers]. But we are not planning to undercut on price; we will be selling at the manufacturer's suggested price."
The store, which opens next week, is right next door to San Francisco's Moscone Center, where many technology industry conferences are held. Microsoft expects foot traffic of technology-adept people who will be interested in trying out the interactive kiosks that will be set up in the store.
Microsoft is planning different theme kiosks, including one for planning your wedding online, planning a vacation, cooking, landscaping, gaming, setting up a home office, mobile computing, and an interactive music rotunda.
Thematically, the new store will be similar to New York's NikeTown or one of the many showcases Sony Corp. has set up for its products.
"I wonder how many Nike retailers got upset when Nike opened its store," said David Coursey, a Silicon Valley industry analyst. "I don't think there were many. I don't think Microsoft should encounter any objection unless they aggressively discount prices. I think the goal is to get people to try out the stuff, even if they buy it elsewhere."
METS ANSWER SHAKE-UP CALL: END 8-GAME SKID, SNAP ROCKET ST...


text:
Roswitha von Bergmann (* 21. September 1926 in Königsberg; † 1. April 2004 in Düsseldorf) war eine deutsche Politikerin (FDP). Sie war von 1962 bis 1970 Mitglied des Landtags von Nordrhein-Westfalen.

Leben und beruflicher Werdegang
Roswitha von Bergmann hatte 1944 die Schule mit dem Abitur abgeschlossen und studierte dann von 1946 bis 1948 Geschichte, Kunstgeschichte und Zeitungswissenschaft in Heidelberg. Danach war sie bis 1961 als Sekretärin und Journalistin tätig.

Von Bergmann war seit 1949 Mitglied der FDP. In den Jahren 1952 bis 1954 war sie Mitglied im bayerischen Landesvorstand der Jungdemokraten. Sie war von März 1961 bis 1965 Bürgermitglied im Düsseldorfer Stadtrat. Von Bergmann wurde bei den Landtagswahlen in den Jahren 1962 und 1966 jeweils über die FDP-Landesliste in den Landtag gewählt. Sie war Landtagsabgeordnete vom 23. Juli 1962 bis zum 25. Juli 1970.

1974 wurde sie Mitglied der deutschen UNESCO-Kommission.

Von Bergmann gehörte von 1972 bis 1982 dem Kuratorium der Friedrich-Naumann-Stiftung an.

Trivia
Roswitha von Bergmann war begeisterte Ferrari-Fahrerin und wurde als solche 1986 mit ihrem damaligen Ferrari 400 in der ARD-Dokumentation I Ferraristi aus der Sendereihe "Deutschlandbilder" porträtiert.

Weblinks

Einzelnachweise

Landtagsabgeordneter (Nordrhein-Westfalen)
FDP-Mitglied
Mitglied der Jungdemokraten
Mitglied im Beirat der Friedrich-Naumann-Stiftung
Politiker (20. Jahrhundert)
Deutscher
Geboren 1926
Gestorben 2004
Frau


text:
JLS Say Adele "Smashed It" At Grammy Awards 2012
The 'She Makes Me Wanna' singers says Adele's six trophy win over the weekend was "well deserved".
JLS have congratulated Adele following her huge success at the Grammy Awards last night (12th February), saying the 23 year-old singer "smashed it".
The 'Someone Like You' singer swept the board at yesterday's awards ceremony in Los Angeles, winning all six awards she was nominated for, and JLS say her victory was "well deserved".
"Adele won 6 out of 6! Absolutely SMASHED it!" Marvin Humes tweeted this morning (13th February). "That is on another level… so well deserved…congrates @officialadele Marv x.
"Adele looks like she's cradling a baby she's got THAT many grammy's!! ha! Absolutely SMASHED it, well done @officialadele 100% deserved!!" JB Gill also posted.
Adele made her live return at the Grammys last night, her first performance since undergoing throat surgery in November last year, and sang her Big Top 40 number one 'Rolling In The Deep'.
The Grammy Awards 2012 saw Adele take home gongs for Pop Vocal Album, Short Form Music Video, Pop Solo Performance, Song of the Year, Record of the Year and Album of the Year.


Five minutes on my blog or my Instagram feed and you know I love antiques. The older the better and if it is chippy and missing pieces ... it may be absolutely the best thing I have ever seen. I read a post about top antiquing towns on Invaluable's blog and knew I had to share my favorite places to shop in Atlanta. I have been antiquing basically my whole life. My grandparents used to take me to auctions and I watched them purchase and refinish more pieces than I can count. The hunt is in my blood and there is no better day than a good hunting day that produces amazing results.
I get a lot of questions asking where I shop and what I look for when I am out and about. I definitely have my favorites and most of which I am open to share. A girl has to keep some secrets and my tiny hole in the wall joints are the best kind of secrets. I am drawn to a number of things but I find I buy the same thing over and over again. Blue and white porcelain, Staffordshire pups, Rose Medallion, silver, amazing lamps, vintage floral oil paintings, antique silhouettes, bar ware and linens. I find a lot of things I love but I only buy what I know I can either re sell or use in our home. I might be at capacity at the house and in the basement ... just saying.
Hands down the best shopping in the Atlanta area is at Scott Antique Market which is the second weekend of every month. I have been shopping at Scotts for more than fifteen years and though I don't go every single month I have my favorite vendors and I know who has the best pieces for each category. I also know which months to skip and which ones to never miss. If you are visiting in the area you definitely want to hit the market in July and December. The best months by far with the best dealers.
If I am shopping around town I definitely have my favorites. In Buckhead I love to shop at Peachtree Battle Antiques & Interiors, Antiques & Beyond, 14th Street Antiques & Modern Home and Early Street Antique Market. All of these have amazing pieces and although deals aren't always the goal with these amazing places you will always find the best of the best. If you are in the suburbs of Marietta I highly recommend Dupre's Antique Market on the Marietta Square. So many pieces from our home were purchased at Dupre's and Roswell Antiques before it closed a few years ago. Queen of Hearts has a few locations in the area and all of them are fabulous. The larger location in Alpharetta is the best and has the largest selection of antique dishes in the area. Well worth the trip!
If I am home and need some online shopping I definitely have my go to spots. Etsy for smalls and silver, Chairish for amazing blue and white and Rose Medallion and a few smaller shops that I absolutely love. I highly recommend both The Enchanted Home and Matters of Style Marketplace. Tina at The Enchanted Home has the best lamps and is fabulous and you will absolutely love Sarah from Matter of Style is seriously the bomb. She helped me find just the right thing for my bar cart for the last One Room Challenge. She sent me photo after photo until we chose just the right piece. That is just the customer service that keeps me coming back again and again.
I also love an estate sale. While visiting a friend in Memphis in October last year I had the pleasure of hitting up the best estate sale. Twenty minutes later I walked away with an incredible mirror (now hanging in our dining room) along with silver pieces I immediately sold and some amazing linens I since have had monogrammed and we use quite often. Each item reminds me of the trip and our adventures together. To locate estate sales near you I highly recommend EstateSales.Net. The app is great and you are able to peruse the photos before heading out to make sure the sale is truly worth your time.
For our home we have so many antiques that have been handed down from both our families. I find they fit in the best when I mix antiques with vintage and new. It is the style that works best for us and is a theme you will see in each room of our home. I love our old pieces and the history they hold and mixing them with vintage finds and new pieces keeps them fresh and current. Sort of timeless with a good edge.
If you are in my area drop me an email and I can map out more of the little spots I truly love the most ... the tiny hole in the wall spots that have the best deals. If you are looking for me on a random Saturday most likely you will find me with my favorite Tretons on scouting out a fabulous estate sale or an out of the way thrift shop looking for the best next find!


For pictures of our facility and various storage options we offer, please browse through the images on our photo gallery page. Please contact us today or call us directly at 541-474-5003. Thank you for visiting.


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It's Time to Call American Police What They Are:
Minnesota resident Philando Castile was two days away from his 33rd birthday when he became the 601th person killed by police this year.
All because he tried to hand the cop his drivers license after he was pulled over for a broken tail light.
It was a senseless killing but it was routine killing. Another cop fearing for his life over something trivial and legal.
But it was unique in that seconds after the St. Anthony police officer shot him four time, his girlfriend began live streaming and narrating the scene in a superb demonstration of citizen journalism in the cyber era.
Diamond Reynold's video immediately went viral on Facebook, capturing her surprisingly calm composure as her boyfriend lay dying next to her and the cop threatened to kill her too if she did anything to cause him fear.
Most people would have gone into a hysteric panic judging by the countless killings by cops we've seen on video over the years, including the viral killing of Alton Sterling only a day earlier out of Louisiana.
But Reynolds knew the drill. Keep calm and keep recording.
And she maintained that composure even after police ordered her out of the car at gunpoint, forcing her to walk backwards toward them where they yanked the phone out of her hand and tossed it aside.
Keep calm and keep recording. It is all we can do considering we are up against a highly organized killing machine of paramilitary death squads that routinely get away with murder.
Our American Paramilitary Death Squads are averaging three kills a day, almost all of them ruled justified, many of them completely unavoidable and unnecessary.
In fact, in the time I wrote this piece, there have been three more killings by the death squads. And by the time you read this, there will be many more.
And it's been that way since 2013, which was when Killed by Police started tracking the killings.
Before that, not even the FBI felt the need to track these killings because they are, after all, government-sanctioned, which is why the cops are almost never charged.
And the excuses are always the same. He reached. He lunged. He tensed. He breathed.
Whatever excuse they use, it is obvious they have their lines down pat. And it is obvious they are being trained to kill more than they are being trained to serve and protect.
Anybody who believes otherwise is either naive, blind, stupid or aligned with the death squads that kill with such ease and glee while claiming to fear for their lives yet high-fiving each other after each killing as if celebrating another notch on their belt.
After all, killing is their business and business is good.
And what are our politicians doing about it? Nothing because they are beholden to the police unions.
If elected, Donald Trump said he will give them even more power because he doesn't feel as if they have enough. And although Hillary Clinton has been too busy trying to dodge her own imprisonment to worry about addressing any police abuse issue in this country, she has been accepting donations from private prison lobbyists, which means she will also want to give police more power.
State legislators, meanwhile, are busy drafting laws to provide even more protections for police officers.
In May, Louisiana Governor John Bel Edwards signed into effect the nation's first Blue Lives Matter law, giving cops hate crime victim protective status.
Also in May, Minnesota Governor Mark Dayton signed a law that would make police body cam footage exempt from public records requests.
Now Dayton is saying he is "appalled" by the shooting death of Castile. And Edwards expressed "very serious concern" over the shooting death of Alton Sterling Tuesday morning.
But their actions speak louder than their words because they passed bills that only strengthened their state's paramilitary death squads rather than reduce their power.
And that is happening all throughout the country where cities are approving contracts with police unions that give them even more protection from investigations, allowing the paramilitary death squads to continue killing with impunity.
Some of you will no doubt make excuses for these murdering cops, saying they just want to go home to their families (where they abuse their wives at a rate of more than double the general population).
But shouldn't Castile have had that same right?
According to his girlfriend, he had been pulled over for a broken tail light. And when the officer asked for his drivers license and registration, he informed the officer that he had a concealed weapons permit and was legally carrying a concealed weapon in an attempt to keep the officer from fearing for his life.
But that, of course, made him fear for his life anyway, which is why he pulled out his gun and fired four times.
And that was when his Reynolds began live steaming, providing viewers with the relevant details, knowing she could be shot next. Knowing her four-year-old daughter sitting in the back seat could be shot next.
Both Reynolds and her daughter remained stoic while the officer seemed to be on the verge of a breakdown.
Here is an excerpt from their tense exchange.
Reynolds: Stay with me. We got pulled over for a busted tail light in the back and he's covered … they killed my boyfriend. He's licensed to carry. He was trying to get out his ID and his wallet out his pocket and he let the officer know that he had a firearm and he was reaching for his wallet and the officer just shot him in his arm.
Officer: Ma'am, keep your hands where they are.
Reynolds: I am sir, no worries.
Officer: Fuck!
Reynolds: He just got his arm shot off. We got pulled over on Larpenteur.
Officer: I told him not to reach for it! I told him to get his head up!
Reynolds: He had, you told him to get his ID, sir, his driver's license. Please don't tell me he's dead.
Officer: Fuck.
Reynolds: Please don't tell me my boyfriend just went like that.
Officer: Keep your hands where they are.
Reynolds: Yes I will, sir. I will keep my hands where they are. Please don't tell me that he's gone. Please don't tell me that he's gone. Please officer, don't tell me that you just did this to him. You shot four bullets into him, sir. He was just getting his license and registration, sir.
Then other officers ordered her out of the car at gunpoint, forcing her to walk backwards, telling her they were only detaining her until they "get this all sorted out."
"They threw my phone, Facebook," Reynolds said, informing her viewers why they were suddenly being treated to a view of the clear blue sky on such a dark day.
It was then when the graveness of the situation began to set in and she began to wail about the shooting.
"Please, Jesus, don't let him be gone. Please!"
Meanwhile, a male continually yells "fuck" in the background, presumably the officer who shot and killed her boyfriend.
It was during that time that officers consoled the killer cop, not bothering to try and save Castile, not even bothering to check for his pulse, she said in a press conference today.
Reynolds was given her phone back and was placed handcuffed in the back seat of a patrol car with her daughter, still narrating, asking for somebody to pick her up, providing the location, informing readers that it was a "Chinese police officer who shot him," a heavyset officer who stands no taller than five feet, six-and-a-half inches.
And once again, the graveness of the situation set in and she begins to yell and weep, only for her four-year-old daughter to console her.
"It's ok, I'm right here with you," the girl says shortly before her mother's phone died.
St. Anthony police then took Reynolds to jail, separating her from her child, keeping her there until 5 a.m. this morning, even though she had not broken any law.
"They took me to jail. They didn't feed us. They didn't give us water," she said after her release in a video you can see below. "They put me in a room and separated me from my child. They treated me like a prisoner."
As of today, St. Anthony police have yet to say anything about the shooting other than to say "shots were fired" and "one adult male … is deceased" – in that passive manner of speaking where they never place the blame on themselves.
It is the language of the American Paramilitary Death Squads where their actions always speak louder than their words.
That is why we need to keep calm and keep recording. Anything else may get us killed.
VIDEO: Utah Cop Bashes Mom's Face in Front of 9-year-old Daughter
BREAKING: Minnesota Cop Kills Driver


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Home » CabellVildibill18 » Reviews18 » Christopher Robin is OK - Cabell's Review
CabellVildibill18 Reviews18
Christopher Robin is OK - Cabell's Review
Read Cabell's review of Christopher Robin. In the heartwarming live action adventure Disney's "Christopher Robin," the young boy who embarked on countless adventures in the Hundred Acre Wood with his band of spirited and lovable stuffed animals, has grown up and lost his way. Now it is up to his childhood friends to venture into our world and help Christopher Robin remember the loving and playful boy who is still inside.
Now grown up, Christopher Robin is stuck in a job where he is overworked, underpaid and facing an uncertain future. He has a family of his own, but his work has become his life, leaving little time for his wife and daughter. Christopher has all but forgotten his idyllic childhood spent with a simple-minded, honey-loving stuffed bear and his friends. But when he is reunited with Winnie-the-Pooh, now tattered and soiled from years of hugs and play, their friendship is rekindled, reminding Christopher of the endless days of childlike wonder and make believe that defined his youth, when doing nothing was considered the very best something. Following an unfortunate mishap with Christopher Robin's briefcase, Pooh and the rest of the gang including Piglet, Eeyore and Tigger, step out of the forest and venture into London to return the crucial possessions…because best friends will always be there for you.
#ChristopherRobin
Christopher Robin is in theaters August 3rd, 2018.
In the heartwarming live action adventure "Disney's Christopher Robin," the young boy who loved embarking on adventures in the Hundred Acre Wood with a band of spirited and loveable stuffed animals, has grown up and lost his way. Now it is up to his childhood friends to venture into our world and help Christopher Robin (played by Ewan McGregor) remember the loving and playful boy who is still inside.
Christopher Robin is strangly directed by Marc Forster (who previously directed "Quantum of Solace" and "World War Z") and I am not exactly sure what Disney saw in him for this film. But honestly, I think he is a large reason why I was disappointed by one of my most hyped films of the year. To start, this film has many great elements, Ewan McGregor (previously seen in "Star Wars: The Phantom Menace" and "Trainspotting") did a good job as Christopher Robin, all the animals personalities and looks were just like the original animations, some shots were really well done and...well that's about it. Scattered throughout all the heartwarming moments are hundreds of stupid, unfunny jokes. And while it does get annoying having Pooh just be an idiot and showing the adult version of Christopher just perplexed as to why Pooh would do such things. What's even worse is when there's a serious moment and then something ridiculous just ruins it for little kids laughs. Speaking of ridiculous parts in the film, all of the supporting cast are either incredibly underdeveloped, or literally a joke for the kids.
Story wise, there really is not much here. Things are also very convent for this film. Such as when the talking animals are first introduced to the real world, people are shocked for a few seconds...but then they are totally casual about what's going on. It just felt rushed. It's also very simple and dumbed down for little kids. And this had me confused, because it's shot like a more adult film, but the content is mostly for six year olds. There are also moments of war in this film, which had me think that maybe this film would dive into ptsd…but nope, just got disappointed once again.
Now while this film was disappointing, it's not bad. There are good moments as I mentioned earlier, but the bad overweights the good. I really don't think anyone needs to see this in theaters (besides one beautiful shot of pooh putting his hand through some grass), so unless you have MoviePass or something just wait until the VOD release.
Cabell (Senior Contributor) is a filmmaker from Tampa, Florida. He will watch just about any film but when he's not reviewing the latest hits he spends time directing films of his own.
Click Here to check out Cabell's Articles.
Labels: CabellVildibill18, Reviews18


Loading... Developed By Microsoft Corporation | (Version 8.18.0.6) | 28th of March, 2018 | (100% Clean – Tested).
Skype 2018, version 8.18.0.6 (Offline Setup for Windows PC) introduces some quality enhancements like bettered screen sharing with audio, improved media transference, interesting chat characters and broad support for Windows 10, 8, 8.1 and 7 users.
Editor's Note: Skype is a highly venerable communication program, and the new version is brimming with all-new audio enabled screen sharing facility, lively chat, steady voice, and videos calls along with tons of other enthralling features. It is a complete package with all those riveting features in a single pack. The program is pretty easy to use and customizable. Above all, it is free either for personal or business use. However, it can not replace the phones as it runs over the internet and the data charges are applied while calling landline or mobile number. To put in a nutshell, Skype is all that you need for your social life.
. Setup Size: 57.66 MB.
Skype is an exceptional communication tool with slightly beyond the necessary utilities, that are in use to get in touch with the friends, family, employees, and colleagues, etc. It is a commendable social platform with the abundance of features adding up to afford the extraordinary social life over the internet. Microsoft account can be used to enjoy Skype services. It allows free calls to Skype connections all over the world, absolutely free for Skype to Skype voice and video calls or even group calls (conferences) but, only over the internet. In the absence of internet skype may cost the data charges. With skype it is feasible to make calls to phone numbers; however, it charges the local/international calling rates. The package saves you from the hassle of roaming services, buy a Skype number and your friends and family can reach you via Skype while you are away or on an international trip. With skype number, you can answer the calls from all the personal devices like tablets, iPads, etc. The new version of Skype is taking it a step ahead of the conventional telecommunication tools; it has a new improved and well-designed interface. Skype empowers its user to customize the visible layout by adopting the tone of their choice. With Skype, text messaging is not a big deal while expressing the sentiments, using GIFs, stickers or emojis to articulate the feelings. Skype quickly enables you to share photos, videos, and other files. It also allows the video calls, let it be face-to-face or group video call; the choice is yours. It is possible to add up to 25 people to the groups and share files or talk to them concurrently.
Free Video & Voice Calls.
Paste Screenshot to IM Window.
Requires a Strong Internet Connection.
The fresher version of Skype is not your typical messenger; it is equipped with advanced technologies and dynamic features. It goes along with sharing very well, with this software you can even share the screen of your device with the other person while hearing all the audios, even group screen sharing can be enabled quite conveniently. Access Skype from anywhere and let others reach you through the platform too. Another complimentary feature is, it enables you to add a Skype button on the website or blog, which may be a practical step towards collaborating with your customers. Anyone can reach you by using skype button from your website or blog page. Taking social life beyond the limits, the UI has a translator which provides the mean of communication worldwide no matter what is the medium of communication; translate calls or messages from any language. Wel! Windows 10 anniversary update or higher is now already armed with Skype software, ready-to-use saving the user time of downloading it. The astonishing fact about this messenger is, it can now be added to the browser for quicker sharing, merely add skype extension to the browser and share the links in real-time. However, Skype offers a professional account as well adding the cherry on the top, to provide the facilities required by the corporate environment for communications with progressive features.
With skype professional account it is possible to manage the business meetings via Skype.
Share photos, Videos, and links also share the screen with the other users. Directly share links by adding skype extension to your browser.
Use the new highlight feature to add snaps and share them with friends and family, and they stay on top for seven days.
Share critical information to your conversation and even buy concert tickets over skype.
Enjoy free skype to skype video calls and voice calls or add up to 25 people to group calls and share files with them conveniently. Call mobile or landline through skype, but it is not free of cost, the network charges apply to avail this facility.
Buy skype number and use it as contact number while being out of the country, available in 23 different countries.
Use GIFs, emojis, and stickers to bring life to the conversations.
Customize the layout of your communication tool by using the color of your own choice and never get bored.
Add skype button to the blog or website you own and let people connect directly with you via Skype.
Download the offline installer setup for Skype 2018 version 8.18.0.6 (suitable for both 32-Bit and 64-Bit system architectures), here.


I have to say that in my 15 years of teaching, this was one of the best field trips ever! You were extremely informative and certainly knowledgeable about the subject matter. One can see the passion you have for history. Everything was perfect from beginning to end, despite our late arrival. We appreciate your willingness to be flexible and understanding of our group's needs. Your props and different ways of getting the students engaged demonstrated a real talent of interpersonal communication skills. We plan to use your services again next year for sure!
You have inspired us so much, in fact, that we're really taking this experience a step further. Here's what we plan to do. We are reviewing all of the pictures with the students. They are recalling the interesting facts that you presented to us. We are printing out the photos of the sites, and each child will get a different subject to research. They will each write an essay about their picture, (The historical significance really….) and we'll compile the writing and pictures into a 4th grade book. Wait…. there's more…. we'll use "Keynote" software to make a digital presentation of the photos and their work. We will certainly share the final product with you when we are finished.
We have done nothing but rave about your services to our colleagues upon our return. We have the green light to keep this field trip in our budget for next year. I'd be happy to share your business card with other teachers.
Once again, Ben was awesome! Each year we bring our 5th graders on Ben's tour and once again he did not disappoint. Ben's ability to keep a group of 50+ engaged and excited is unparalleled. His knowledge of Boston is mesmerizing and part of his charm is knowing his audience. For example, he kept giving clues to a larger riddle that had the kids racking their brains trying to figure out. It was just hard enough to hook them but not to hard that they were turned off. I would recommend Ben without reservation for either a large group like the one we took last month or for a small group tour which I have done in the past with my family. Simply put: Ben's the BEST!
I wanted to personally tell you that my expectations for today's trip were far exceeded. You not only gave the students a great foundation of history, but you also spiced it with enough interest and third grade humor, that they LOVED the trip. I keep hearing, "That was AWESOME!" They did not say the same for Plimoth Plantation. So that's a testament to you as a guide.
If you ever need a recommendation or anything, I'd be happy to help promote your tour. I hope the third grade makes this a regular event in the Spring. We're very much looking forward to listening to your book.
Also, Alee Rogers was impressed with your unique ability to educate, entertain, and engage while effectively managing such a large group.
Once again my fifth grade class was enthralled by the magic of our American history that Ben Edwards relates. I travel from Cape Cod with my class each year so they can have an outdoor classroom with Ben. He makes the book reading and rigorous research of the classroom come alive and have true meaning. Ben takes care to know what I have been teaching, then puts the lessons in a fast-paced tour that encompasses answering all the students' questions, seeing everything and playing a learning game. Ben's knowledge is boundless, his tours never bore me although it has probably been yearly tours for eight years. Ben stays aware of new events, historical finds, and special things to see and know about.
On behalf of the students and chaperones of Salem Christian School, we want to extend a warm "thank you". Every chaperone commented on your ability to speak to the children and keep their attention. This is not an easy task to adjust your information to meet the needs of students of all ages and interests. Each student felt that this was our best field trip of the year, and we have taken five already! Several students have already listened to your book and enjoyed the story from start to finish. I was impressed by your depth of information about the historical sites. You truly made history "come alive".
Thanks for personalizing our tour by talking with individual children and giving them souvenirs (postcards) and special gifts! The two students, who missed the trip, heard all the rave reviews from the others…they were sincerely sorry that the trip was missed! We wish you success in your tour business and will heartily recommend your services to any of our friends or family who are looking for a great way to see Boston.
Thanks for a very successful tour for our entire 5th grade class of over 140 students. Many of the teachers and chaperones who went have told me this was the best field trip they have ever been on – and that's going a long way considering they were moms who've been going on field trips with their kids for years and teachers who've been on a number of successful field trips during their careers! I would like to know, when can I reserve you for next year?
Recently, I had the great pleasure of touring Boston for my third time. This trip, as the group leader for more than 30 high school social studies teachers, I acquired Ben Edwards as our guide. Ben worked with me via email for a few months tweaking what I wanted and what he could suggest for our group. Together we came up with a stellar tour (mostly Ben's ideas, only one was really mine). Ben arranged a reasonable, full day schedule for us and off we went. Ben's ability to tell the Story of History made the tour a treasure trove of tidbits, intrigue and rich content. Ben was a "historian"! Each stop had us anxiously waiting for him to start the next part of the story and show us his next primary source. If you intend to visit Boston, be sure Ben Edwards is with you. For every future trip I plan to Boston, Ben Edwards will be our guide.
The tour for our 29 English language learners from Haiti, Brazil and Vietnam was wonderful. The kids in grades 5-11 were talking about it all day today. We are going to keep up the focus on family history and setting goals throughout the rest of our program. For the goalsetting piece, we'll be using "the spyglass" element from your book to help us out. I was able to download the poem "Paul Revere's Ride" from your website and use it as a teaching tool. Thanks again for a great afternoon.
Recently our 52 fifth graders left Keene, New Hampshire for a field trip to Boston's Freedom Trail. We were fortunate to have Ben Edwards as our Tour Guide. He is a passionate about colonial times and the Revolutionary War. Ben's ancestors arrived in Boston over 300 years ago, and Ben has been studying his genealogy and facts about this period of time since he was a child. Ben has a wonderful personality and related to the children extremely well. He asked them many questions so they were able to participate and share their knowledge from our fifth grade colonial unit. We all enjoyed standing at the spots where history happened, and most children agreed their favorite spot was the Old North Church. Our lunch break at Faneuil Hall/Quincy Market was entertaining for all. I highly recommend Ben Edwards as a Tour Guide if you are thinking of a trip to Boston. You won't be disappointed.
Our 130 fifth graders toured Boston with Ben this past April over the course of 3 days. His love of history is infectious and his heritage is amazing. Look no further! This is the tour to take! Ben has "tricks" up his sleeve to hold the attention of the preteen generation and the kids loved him! We keep going back every year!
You were the most amazing tour guide ever! You were really kind and really layed back which I really liked about you. One thing that I learned from you was that in the last graveyard we went to, Copp's Hill Burying Ground, people shot musketballs on that grave because it said 'Sons of Liberty'. I thought that was so interesting. I also learned in the Paul Revere House what the lifestyles were like in (about) the 1700's – 1800's. I loved how you had connections to the Revolutionary War. I also really liked how you included us during the tour… LOVED the bonnets. I hope you keep doing what you're doing. You're absolutely GREAT at it. GO BEN!!


This guide gives you information and advice if you are behind with the payments on your mortgage. It explains your options to deal with this type of debt and the processes your lender must follow.
We would like to thank the National Homelessness Advice Service (NHAS) and Citizens Advice for their help with the writing of this fact sheet.
This guide includes some useful contacts and links for you to get further help.
interest only mortgages that have already ended.
Your options will be different in these circumstances. Contact us for advice.
You may have a first and second mortgage.
The first mortgage is the loan you took out to buy your home.
The second mortgage (also known as a 'secured loan', 'further advice', 'second charge', or sometimes a 'consolidation loan') is a separate loan secured on your home.
Check all your loan agreements to see if they are 'unsecured' or 'secured' on your home. If they are secured, you must treat them as priority debts because lenders can ask the court for possession of your home if you do not pay.
Most lenders are regulated by the Financial Conduct Authority (FCA). Before 1 April 2013, the FCA was known as the Financial Services Authority (FSA). FCA rules say that a lender must 'deal fairly with any customer who is in arrears'. The FCA rules are contained in the Mortgages and Home Finance: Conduct of Business sourcebook (MCOB). We list these rules later in this guide.
If you are struggling to pay your mortgage or secured loan, and you haven't already done so, get some advice as soon as possible. It is important to look at your whole situation, as you may have other debts that need dealing with as well as your mortgage. Contact us for advice.
It is never too early or too late to contact your lender. You may be worried about talking to them, but if you tell them you are getting advice, this should help. Write to them, phone them or make an appointment to see someone. If the first person you speak to isn't helpful, ask to speak to someone else, perhaps in head office.
Pay as much as you can. Even if you have not paid for a while, or cannot afford the full amount each month, you should start paying as much as you can afford.
If you have experienced a relationship breakdown, you may need extra advice. Dealing with your lender, and applying for benefits can sometimes be more complicated following a relationship breakdown. For example, if your partner is named on the mortgage, then the lender may also want information from them before they agree to a new payment plan. Contact Shelter or contact us for advice. See Useful contacts at the end of this guide.
Before 6th April 2018, Support for Mortgage Interest (SMI) was a benefit. SMI helped people who qualify with payments towards the interest payments on their mortgage.
What is a loan for mortgage interest?
From 6th April 2018 Support for Mortgage Interest (SMI) benefit has been replaced with a loan. This is called a Loan for Mortgage Interest. This new loan attracts interest. Usually this loan will be secured to your property. This is a complicated area. Contact us for advice.
If you need help with your mortgage and you are claiming certain benefits, you may be able to apply for a loan to help with the mortgage payment. These loans are provided by the Department for Work and Pensions (DWP).
Which benefits do I need to claim to get a loan for mortgage interest?
If you claim Income Support, Pension Credit, income-related Employment and Support Allowance or income-based Jobseeker's Allowance, you should be able to apply to the DWP for a loan to pay some, or all, of the interest on your mortgage. If you claim Universal Credit (UC) the rules are more complicated. You may be able to claim for a loan for mortgage interest as long as you have not done any paid work at all during the time you claimed UC.
These are called qualifying benefits.
When can I claim the loan for mortgage interest?
If you claim Pension Credit (PC) you can qualify for help from the loan payments as soon as you claim PC. In other words, there is no waiting period.
If you claim Income Support, income-related Employment and Support Allowance or income-based Jobseeker's Allowance, you cannot receive loan payments until you have been claiming these qualifying benefits for 39 weeks.
If you claim UC you cannot receive loan payments for 39 weeks. During this 39 week period you are not allowed to do any paid work. If you do any paid work, the waiting period starts again from the beginning.
How much of my mortgage will be covered by the loan?
£100,000 if you receive Pension Credit.
The Loan for Mortgage Interest is to be paid towards the mortgage on the house you normally live in. If you claim Income Support, Pension Credit, income-related Employment Support Allowance or income-based Jobseeker's Allowance, the loan may also pay towards a secured loan for home improvements or repairs that you did prior to claiming benefits.
If you claim UC, the housing costs element is paid towards the interest payments due on any debt which is secured on your home, or an alternative finance payment (for example, an Islamic mortgage).
How long can I claim the loan for?
You can claim the loan for as long as you are entitled to the qualifying benefit. There is no time limit for how long you can have the loan. This is different to the old SMI benefit.
you die. If you live at home with a partner who also claims benefits, then the loan will not need to be repaid until both of you do not need the house any longer.
In any of these situations, if there is not enough equity to repay the loan, any money still outstanding will be written off. In other words, if there is not enough money left from your house sale to pay off your mortgage and the loan for mortgage interest, the DWP will not ask for more money.
You can choose to start to repay the loan for mortgage interest. You must pay at least £100 at one time, unless you owe less than £100 in total.
Do I have to claim the loan?
No, you do not have to claim the loan. It is optional. If you do not agree to accept the loan, you will need to find another way of paying your mortgage payments. The Money Advice Service website has some useful information about this. You may need to take some independent financial advice to help you decide what to do. You can find an independent financial adviser on the Money Advice Service website.
It is very important to make sure that you are getting all of the benefits and extra help you might be entitled to.
If you have mortgage payment protection insurance, check to see if you can make a claim. If you are turned down, contact us for advice.
To check you are getting everything you should, use an online benefits checker. For example, search for benefits calculator at www.turn2us.org.uk. Or you could contact a local advice centre. Contact the Money Advice Service to find local advice. See Useful contacts at the end of this guide.
There may be several options for dealing with your mortgage arrears. It is important to check whether your lender will add extra charges for any option you are considering.
Each lender will have their own procedures for dealing with someone who is having difficulty paying their mortgage. In this section, we explain the most common types of arrangements lenders will consider.
If you can afford your monthly mortgage payment, but have arrears, it is important to start paying your normal monthly instalment and come to an arrangement to clear the arrears.
Use your household budget to work out if you can afford your normal payment, and what you can afford towards the arrears.
Lenders will sometimes ask you to pay off the arrears over 12 to 24 months. Ask for longer if you cannot afford to do this. Start paying what you can afford anyway, and explain your reasons for not being able to pay more.
Don't be tempted to take out an extra loan to repay your mortgage arrears. Often these are very expensive, and could put your home at greater risk. Contact us for advice.
what is a reasonable repayment period?
If your home is worth more than your total mortgage, tell your lender. An important court of appeal case, Cheltenham & Gloucester v Norgan, says that in this situation, a reasonable time to pay back the arrears could be the whole lifetime of the mortgage. Contact us for advice.
whether changing to a repayment mortgage will reduce your monthly payments.
If you are thinking of cashing in your endowment policy, or changing to a repayment mortgage, you should always get independent financial advice. There may be a charge for this service. Contact the Money Advice Service for a guide on getting financial advice. See Useful contacts at the end of this guide.
There are also other companies in the market who will buy insurance policies at higher rates than the cash-in value insurers will pay you. If you decide to sell and the policy is 'assigned' to your mortgage company, you must ask them to release it before you can cash it in.
If you cancel your endowment policy, ask your lender about mortgage protection insurance. This would pay the mortgage if you died.
If you do change to a repayment mortgage, you could also ask your lender to extend the mortgage term. See the next section Increasing the mortgage term.
If you have an endowment mortgage, increasing the mortgage term may be more difficult. Ask your lender whether this could be an option for you.
Most mortgages are spread over a number of years. This is called the mortgage term. If you have already lived in your home for several years, you could ask your lender to extend the term back to the original term, or even longer. This could cut your monthly payments.
This might be helpful if your income has dropped, you don't think it will improve, and you need longer to pay back your mortgage. If you have arrears, increasing the term may mean you can afford to pay your new mortgage payment plus something towards the arrears.
If you have a repayment mortgage, you could ask your lender to accept a monthly payment which covers only the interest part of your normal monthly payment. This will probably have to be a temporary arrangement.
If you already have arrears, it is likely your lender will also expect you to pay something towards them each month.
This is called 'capitalising' the arrears. Normally you can only do this on first mortgage arrears, and usually only if the value of your home is a lot more than the mortgage. The amount you owe in arrears is added to your total mortgage. As a result, your monthly payments will go up. Repayment of the arrears is therefore spread over the rest of your mortgage.
Your lender may be more likely to agree to capitalise the arrears if you have already kept to a repayment agreement for some months. Lenders will usually view capitalising the arrears as a last resort option.
The FCA rules are contained in the Mortgages and Home Finance: Conduct of Business sourcebook (MCOB). You can find this on the FCA's website, www.fca.org.uk.
Earlier we mentioned the FCA's MCOB rules. If your lender is regulated by the FCA, they will have to follow these rules. The rules can be useful to mention when trying to come to an arrangement with your lender.
not put pressure on you through too many calls or letters.
You lender should have a complaints policy which you can use if you feel that at any stage you have been treated unfairly. The first thing you should do is complain to the lender. There are special rules that cover how they must deal with your complaint. If you are not happy with the outcome, you can complain to the Financial Ombudsman Service, but you must have gone through your lender's complaint procedure first. You can get more information about making a complaint from the Financial Ombudsman Service. See Useful contacts at the end of this guide.
Many people find that because their mortgage is high, or their income has fallen, they can't pay the monthly instalments. If this becomes permanent and you think that you can no longer afford to stay in your home, you might still have some options. It is important to make sure that you are making the right choices. Contact us for advice.
If you think that your mortgage arrears situation is hopeless, you might be tempted to hand the keys back to your lender. For most people this is not a good idea.
If you give your home back to your lender, you will still be charged the monthly instalments on the mortgage. If you do not pay, your lender will add the instalments to the debt you owe when the house is sold. They can also add extra interest. The monthly instalments will only stop being added when your lender sells your home. This could take a long time. Your lender will probably also add solicitor's and estate agent's fees, plus any court costs.
Your lender will probably get a lower price for the house than if you sell it yourself. It is harder to get a buyer for an empty house. Empty houses are more likely to be vandalised or damaged.
If you give up your home and ask your council to rehouse you, they will probably say that you have made yourself 'intentionally (deliberately) homeless' and refuse to offer you anywhere to live. The rules are different depending on whether you live in England or Wales. Contact Shelter or contact us for advice. See Useful contacts at the end of this guide.
There may be other options for you. See the earlier section Help with mortgage payments and the next section Selling and assisted voluntary sale.
You may still be liable to pay council tax. In some cases, if the mortgage lender is treated as being in possession of the property, it may be exempt from council tax. This can be difficult to prove if you have simply handed back the keys and there is no court order. Some councils offer a discount on council tax if the property is empty. If the property is not exempt, your council doesn't offer a discount, or it's just a temporary discount, then you will be liable to pay the council tax charges.
If you can't afford to pay off your arrears in any other way, selling your home may be the best thing to do. Some lenders are now offering an assisted voluntary sale scheme. Under these schemes, you stay in your home until it is sold. Some lenders may suspend arrears charges until the sale takes place. If your home sells for less than the mortgage, they may write off (not force you to pay) some of the shortfall.
If you are thinking of selling your home or entering into an assisted voluntary sale, you need to think about where you will live.
Can you trade down by selling your home and buying a smaller property?
If you sell your home and ask your local council to rehouse you, they may say you have made yourself intentionally homeless, and refuse to offer you anywhere to live. If you can show that you had no choice but to pay for essentials for your family, such as food and heating, rather than pay your mortgage, the council may agree to rehouse you. Contact Shelter or contact us for advice. See Useful contacts at the end of this guide.
Consider renting from a housing association.
The National Homelessness Advice Service has produced a useful guide on How to exit homeownership through a voluntary or assisted voluntary sale (AVS).
Private renting may be an option, but you need to be careful about the type of tenancy you are offered, and how high the rent is. Sometimes, if you claim Housing Benefit, your council can decide that your rent is too high and limit the amount of benefit they will pay you.
You may have family or friends that you can live with, at least temporarily.
Before agreeing to anything with a sale and rent back company, contact us for advice.
You may have seen adverts by private companies that say they will buy your home and rent it back to you. This is usually called 'sale and rent back'.
Companies that offer sale and rent back schemes must be regulated by the Financial Conduct Authority (FCA). You can contact the FCA to check that a company is registered. See Useful contacts at the end of this guide.
Because of reports of poor behaviour by some of these companies, the FCA recently investigated the situation. They looked into things like people being evicted, even though the company had told them they could stay in their home. The amounts paid to buy homes were also often less than their market value.
There are companies that specialise in buying homes from owners in financial difficulty, or who otherwise need a quick sale. The catch with these schemes is that the price the company pays for your home will be less than its market value. There have also been reports of very high fees and companies making misleading claims about the true value of your home. Be careful.
Before agreeing to anything with a company offering you a quick sale, contact us for advice.
What if my home is worth less than my mortgage?
If your home is not worth enough to repay the mortgage in full, this is known as having 'negative equity'. If you have negative equity, your options can be limited. Under the Financial Conduct Authority's Mortgages and Home Finance: Conduct of Business sourcebook (MCOB), your lender should consider allowing you to sell your home yourself.
Some lenders may offer to help sell your home under a voluntary assisted sale scheme. Selling your home while you are still living there is likely to mean you will get a better price. See the earlier section Selling and assisted voluntary sale for more information.
Handing back the keys, or repossession by your lender could mean there is not enough money from the sale of the property to pay what you owe. Your lender can ask you to pay the difference. This is known as a 'mortgage shortfall'.
If your insurance company makes a payment to your mortgage lender because your home was sold for less than the mortgage, they may ask you to pay them back the money. Contact us for advice.
When you bought your home you may have made a one-off payment to your lender for insurance. This is known as a mortgage indemnity guarantee (MIG). From 31 October 2004 these became known as 'higher lending charges'. This means that if your lender repossesses and sells your home for less than you owe, they can claim the loss from the insurance company.
Make sure you check if you have any insurance, and that your mortgage company makes a claim if you do.
The Limitation Act 1980 sets out the rules on how long your lender has to take certain action against you, such as court action or bankruptcy, to recover a mortgage shortfall. The limitation period is twelve years for any capital owed, and six years for the interest part of the shortfall. If your lender has run out of time you may not have to pay the debt back. This is a complex area, contact us for advice.
ask the lender to accept a small lump sum, and write off the rest. This is sometimes called a 'full and final settlement'.
apply to make you bankrupt. This is only likely if you own another house.
If you are in a rented home, have no valuable goods or savings, and are on a low income, explain this to your lender or insurance company and they may agree not to take any further action.
must tell you within six years of the date of sale, if they plan to recover the mortgage shortfall.
If your lender first contacts you over six years from the date your house was sold contact us for advice.
Beware of adverts in newspapers and on television offering loans to clear all your debts, often called consolidation loans. They can be very expensive and put your home at risk.
You may have a second mortgage or secured loan. Even if you are paying your first mortgage in full, if you don't keep up with payments on the second mortgage, you could lose your home.
Second mortgages tend to have higher interest rates than first mortgages, and run for shorter periods, for example, 5 or 10 years.
If you receive Universal Credit you may be entitled to help with the interest on a loan which is secured on the property that you live in. The rules about Universal Credit can be complicated. Contact us for advice.
If your home is worth more than your mortgage, you could ask your first lender if they can offer you a remortgage. This means giving you one new mortgage instead of the two you already have. This may be helpful as the new monthly mortgage payment should be cheaper than the two previous payments added together. Before signing any agreement, contact us for advice.
You may be able to claim a loan for mortgage interest (LMI) to cover the interest on a second mortgage, but only if it was for certain home improvements. See the section Help with mortgage payments or Contact us for advice.
Some lenders charge very high interest rates, or have contracts that change to a higher interest rate if you miss payments. You may be able to argue this is an unfair contract term. Contact your local trading standards department. See Useful contacts at the end of this guide.
If your second mortgage or secured loan company takes you to court, see Court action for mortgage arrears later in this guide.
With some mortgages and secured loans you can apply to the court for a 'time order'. A time order is useful if you have a secured debt at a high rate of interest, and large monthly instalments that you cannot afford. The court can reduce the monthly payments, extend the term of the loan, and even change the interest rate.
Time order - mortgage and secured loan.
You cannot usually apply for a time order unless your lender takes court action to repossess your property.
You should get detailed advice from a local advice centre, or contact us for advice before applying for a time order.
You may have a bank overdraft secured on your home, for example, because you have a small business. This may have high interest charges and no fixed monthly instalment to pay.
If a bank is asking you to agree to secure an overdraft on your home, contact us for advice.
If your bank takes you to court because you have missed payments on your secured overdraft, you need to get specialist advice. This is because stopping ('defending') possession action for this type of debt can be very complicated. Contact us for advice.
You cannot be evicted from your home without a court order. If you have left your home voluntarily, your lender might be able to take over the house and sell it without going to court first.
The pre-action protocol makes it clear that lenders and borrowers should act fairly and reasonably with each other and, if possible, reach an agreement so that court action for mortgage arrears is not necessary. If there is a possession hearing, the court should take account of the protocol, and how lenders and borrowers have behaved, before deciding what action to take.
The pre-action protocol applies to residential first and second mortgages.
If your lender takes you to court, they must complete a checklist to confirm that they have followed the protocol. If they haven't, they must provide the court with clear reasons why not. At the court hearing, your lender must give a copy of the checklist to the District Judge, and a copy to you.
You can see a copy of the mortgage pre-action protocol at www.justice.gov.uk. If your lender takes court action, make sure they are following the mortgage pre-action protocol.
These are the usual stages leading to action in the County Court.
The lender will write asking you to pay your arrears. If you have not already contacted your lender, do so now and try to reach an agreement. See How to deal with mortgage arrears earlier in this guide.
If you don't contact your lender to make an agreement, they will write again. They may pass the matter to their solicitor, who will write to you. They will sometimes send a 'default notice'. This is a formal request for you to pay what you owe.
You should respond, and try to negotiate a way to pay the arrears. If your offer is rejected by the solicitor, you can insist they tell your lender about your offer. You could try to contact the lender's head office directly to reach an agreement. Even if your offer is refused, start paying what you have offered.
Even if the court decides you cannot afford to stay in your home, you will not be evicted from your home on the date of the hearing.
If you do not reach an agreement, the lender will apply to your local County Court to issue a 'possession claim'. You will get some papers, normally through the post, giving you a date and a time for your possession hearing. You should have at least four weeks' notice of the hearing.
You will also receive a document called 'particulars of claim'. This sets out your lender's case for taking possession of your home. You will also get a N11M defence form, which you should fill in and send back to the court within 14 days of getting it.
www.possessionclaim.gov.uk/pcol/. Contact us for advice.
It is important to fill in the defence form. You can give the court a full picture of your finances and what you can afford to pay. It is also your chance to tell the court if you disagree with the amount your lender says you owe.
Check the details of your lender's claim to see if you agree with them. Say if you think the information is wrong.
You will be asked how much you can afford to pay towards the arrears. Use your household budget to work this out. It is important that the offer you make is realistic. If you want to discuss your household budget contact us for advice.
Make sure you get advice about whether you can apply for a time order. You can ask for a time order on your defence form. The advice in this section, Filling in the defence form (N11M) may not apply if you do decide to apply for a time orders. Contact us for advice.
Put down an amount on the form which you can afford, even if your lender has already refused this offer.
You have a chance to explain to the court why you have got into arrears. Tell the court if you think your circumstances will improve, or if you want time to sell your home yourself.
If you feel your lender has not followed the mortgage pre-action protocol, tell the court why.
It is still worth sending back your completed defence form, even if more than 14 days has passed since you got it. Remember to take a copy with you to the hearing.
Start paying the amount you have offered as soon as possible. You can also still try to reach an agreement with your lender or their solicitor. This may mean the hearing is put off ('adjourned') to give the agreement time to work.
If the hearing has not been adjourned, you must go, even if you have made an agreement with your lender. If you can't go because of illness or disability, write to the court to explain your circumstances. Ask if a friend or family member can go instead of you. Include the case number in the letter.
The hearing is to decide what is fair to both sides, not to find anyone guilty or innocent.
This kind of hearing should be dealt with in private, with only you, the lender or their representative, and the District Judge in the room. The District Judge is the person who will decide your case. Call them 'Sir' or 'Madam'.
Court desk schemes provide free legal advice and representation in possession cases at court. If a duty-desk scheme is available at your court, and you have not already had detailed advice, you should use it.
Below is some guidance for what to do before, and at, your court hearing. If you are worried about going to court, or have any questions, contact us for advice.
Make short notes about what you want to say at the hearing. Take these with you, and don't be afraid to use them when talking to the District Judge.
If your circumstances have changed since you filled in the defence form N11M, do a new budget sheet.
Take three copies of your budget sheet with you. One for you, one for the District Judge and one for your lender.
Don't be pressured into offering more than you can afford. The District Judge may agree to an amount that is less than the lender or their representative is asking for.
Your lender will probably send a representative to court. They may approach you in the waiting room. Don't be afraid to speak to them before the hearing to see if you can come to an agreement. You should still attend the hearing.
Make sure you are given a copy of your lender's pre-action protocol checklist. Check it, and tell the District Judge if you do not agree with any of the information. See Court action for mortgage arrears earlier in this guide.
Answer questions clearly, calmly and as fully as you can. You have as much right to explain your case as the lender has.
Watch out for extra costs being added on for each hearing. You may be able to ask the District Judge to order that the lender pays their own costs. You can ask for this if their figures are wrong, or if they have not followed correct procedures and your hearing has to be adjourned, or if they have not followed the pre-action protocol. Contact us for advice.
If you can pay off all the arrears in a short time, for example through a remortgage, ask for an adjournment.
If you don't agree with the arrears figure, ask for an adjournment so that the lender can provide a detailed statement of your account.
If you agree with the arrears figure, make an offer of repayment that you can afford. The District Judge will usually expect you to be able to pay the arrears off in a 'reasonable period'. Depending on your situation, it ;may be reasonable to pay off the arrears over the time you have left on your mortgage.
You can ask the court for an adjournment based on an offer of repayment, even if this will take a long time to pay off the arrears.
If the District Judge thinks your offer is reasonable, they may agree to an adjournment on terms of payment,&# or instead make a 'possession order', which is suspended on terms of payment. The terms are usually where agree to pay your normal monthly mortgage payment, and an amount to clear the arrears. If you keep to these payments, the lender can take no further action.
If your arrears will take a long time to pay off, explain why to the District Judge. Use your budget sheet as evidence. Don't be afraid to point out the court of appeal case Cheltenham & Gloucester v Norgan, which said that the whole lifetime of the mortgage may be a reasonable period to pay the arrears. You must normally have equity in your home.
What if the court does not accept my offer?
Before putting your house up for sale, you should get some advice about being rehoused. Your local council may not have a duty to provide housing for you, if they think you made yourself 'intentionally homeless' by selling your home. The council will also consider other factors such as whether you are in priority need. Contact Shelter or contact us for advice. See Useful contacts at the end of this guide.
If the court does not accept your offer, you could ask for an adjournment to give you time to sell your home yourself. You will need to show evidence that you have put the house up for sale, such as a letter from an estate agent. This may be better than the lender repossessing and selling the house, as repossessed houses can often sell for less than their market value.
If the District Judge won't make an adjournment to give you time to sell, you can still ask for them to postpone the possession order for a longer period, for example, three months. This may give you time to sell the house yourself and find somewhere else to live.
If the court will not postpone the possession order, this usually means you will have a set period of four weeks before your lender can apply to the court to evict you from your home. If this happens, you can ask the court for longer to give you time to find somewhere else to live.
What if I can't pay the order made by the court?
You can find most court forms on the HM Courts and Tribunal Service form finder. See http://tinyurl.com/hmctsforms.
If at any time, you find you cannot pay the amount which the court has ordered, you should go back to the court and ask for the order to be changed. Use the 'general application' form N244.
There will be a fee to pay to make this application. If you are on benefits or a low income, you may not have to pay the fee, or you may get a discount. Contact us for advice.
The court will not take action to evict you, unless asked to by your lender.
If the courts granted you an adjournment, your creditor will have to apply for a possession order before they can ask the courts for eviction. If the creditor applies for a possession order, there wil be a hearing.
If your lender has asked for your case to be transferred to the High Court, contact us for advice straightaway.
the time period given on your possession order has run out.
Try to make an arrangement with your lender. If you cannot reach an agreement, your lender can apply to the court for a 'warrant of possession'. You should be given a 'notice of eviction' by the court bailiffs, giving you a date and time that they will come to evict (remove) you from your home. You may be able to stop this happening, but you must act quickly.
If you need more time to sell, to find somewhere else to live, or you want to make another offer to pay the arrears, you should apply for the warrant to be suspended. This is done on court form N244.
You need to get your completed form to court as soon as possible, to allow time for the court to arrange a hearing.
The following points will help you fill in the form.
Include the claim number of the case, and details of your lender.
Question 1 Fill in your name here.
Question 2 You will normally tick the box that says 'defendant'.
If you are making a new offer to pay your arrears, make sure you don't offer more than you can afford. Work out a new budget sheet and send a copy with the N244.
Question 3 You need to explain here what order you are asking the court to make, and your reasons for requesting it. You should also explain why you have not been able to pay, and any new offer of payment.
Question 4 This asks if you have attached a draft of the order you are applying for. We would suggest that you only tick 'yes' if you have had help from a solicitor or advice agency with drafting it.
Question 5 This asks if you want to have the application dealt with at a hearing. Most applications will be dealt with at a hearing, so tick 'yes'.
There will be a fee to pay to make this application. If you are on benefits or on a low income, you may not have to pay the fee, or you may get a discount. Contact us for advice.
Questions 6, 7 and 8 It is safer to leave these blank, rather than guess how long a hearing will last, or what level of judge you need.
Question 9 Only fill this question in if there is someone you want the court to send a copy of the application to, such as a solicitor.
Question 10 You should tick the box to explain what evidence you will be relying on to support your case. If you are going to court on your own, tick the box saying you are relying on 'the evidence set out in the box below'. Include any evidence you have to support your case and any information you have about your possible defence. Give reasons if your application has been delayed.
to make a new offer of payment on your arrears.
You should make your application as far ahead of your eviction date as possible, ideally at least three days in advance. If your application is refused, contact Shelter or contact us for advice. See Useful contacts at the end of this fact sheet.
send the form back to the court.
Try to move out before the eviction date, because the bailiffs can force their way in if they have to and change the locks. If your furniture and possessions have not been removed by the time of the eviction, you should make arrangements for their removal with your lender. This should usually be within two weeks of the eviction.
If you are finding it difficult to access the property after eviction has taken place, contact Shelter for advice. See Useful contacts at the end of this guide.
The court will set a date for a hearing, usually before the eviction date. You must go to this hearing or the court is unlikely to suspend the warrant.
If any further warrants are issued, you may still be able to ask the court to suspend them, for example to give you time to find somewhere else to live.
If the court refuses your application to suspend the warrant, your eviction will go ahead. If this happens to you, contact Shelter or contact us for advice. See Useful contacts at the end of this guide.
After you have been evicted, your lender will still add interest to your mortgage account until the property is sold.
They must follow Financial Conduct Authority (FCA) rules and sell your home for the best price that might reasonably be paid, taking into account things like house market conditions. However, sale prices by lenders are often less than if you sell it yourself.
Mortgages are paid off in the order you took them out. If selling your home does not raise enough money to repay the first mortgage, and any other mortgages, plus all the costs, you may still owe some money to the lender. See What if my home is worth less than the mortgage? earlier in this guide. Your lender could take court action against you to collect the rest of the debt. Contact us for advice.
Your lender must use the money from the sale to pay off the court costs, estate agent's and solicitor's bills, the mortgage and any second or third mortgages.
The lender must tell you in writing how the money has been spent.
They must send you any money which is left over, so remember to give them your new address.
If you think you have been treated unfairly by your lender, you may be able to complain. You should follow your lender's complaints procedure first. If you are still not happy, you could take your case to the Financial Ombudsman Service (FOS). You can get more information about making a complaint from the FOS website. See Useful contacts.
Search for your local office on their website.


text:
Saudi Arabia's International Maritime Industries Inks VLCC Order With Bahri, HHI
Home Page» SHIPBUILDING
audi Arabia's International Maritime Industries (IMI) has signed a vessel purchase agreement (VPA) with the National Shipping Company of Saudi Arabia (Bahri) and a subsequent sub-contract agreement with South Korean shipbuilder Hyundai Heavy Industries
(HHI) to build one very large crude carrier (VLCC).
As informed, the 319,000 dwt tanker is to be constructed at HHI's Ulsan shipyard and delivered in October 2021.
Other agreements related to licensing, technical services and training were also signed with HHI to ensure capability building and knowledge transfer.
Established in late 2017 and headquartered in Ras Al-Khair, IMI is a joint venture between Bahri, Lamprell, Saudi Aramco and HHI. When fully operational in 2022, this nearly 12-million-square-meter integrated maritime yard will be one of the largest full-service maritime facilities.
This project award is said to further strengthen the business relationship between IMI and its shareholders, as well as contribute to the development of a localized maritime industry supply chain infrastructure, technical expertise for Saudi nationals, and a track record in shipbuilding.
"This sub-contract award provides many benefits for IMI, including transfer of knowledge from HHI to IMI, a mechanism to grant use of Intellectual Property (IP) to IMI, development plans for IMI employees to acquire new skills in shipbuilding and planning, as well as technical assistance," Fathi K. Al-Saleem, IMI Chief Executive Officer, said.
"This project award will also contribute to the long-term growth of this new industry in Saudi Arabia and will enable IMI to independently build VLCCs in Saudi Arabia to the highest international shipbuilding standards," he pointed out.
Commenting on the award, Abdullah Aldubaikhi, CEO of Bahri, said: "Bahri is committed to playing a pivotal role in transforming the Kingdom into an important regional and global logistics and transportation hub…This project award … signifies a major development in this direction; we are confident it will provide a boost to our ongoing efforts aimed at enhancing our offerings and bolstering our capabilities."
Located in The King Salman Complex for International Maritime Industries & Services, IMI will have an annual capacity of four newbuild offshore rigs and over 43 newbuild vessels including VLCCs, in addition to servicing more than 260 maritime products.
The first phase of production operations is expected to commence toward the end of 2020 with the facility reaching its full production capacity by 2022.
This news is a total 55425 time has been read
Tags: Bahri, Hyundai Heavy Industries, International Maritime Industries, VLCC.
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VARIENG
VARIENG /
Early English Text and Corpus Studies (EETACS)
The EETACS (Early English Text and Corpus Studies) project was established in 1995 with the purpose of furthering Finnish –Russian scholarly cooperation in two main areas. One is to chart and study the medieval and early modern manuscripts and printed books of English provenance in the libraries and archives of St Petersburg. Valuable results have been obtained in this area and part of them have already reached publication. The second main aim is to encourage corpus-based historical study of English in St Petersburg by giving courses in the use of electronic corpora, by organizing seminars and by giving individual supervision to Russian postgraduate students.
Leena Kahlas-Tarkka (University of Helsinki)
Matti Kilpiö (University of Helsinki)
Nature of the cooperation
It would probably be misleading to call EETACS a project; it is rather an umbrella term listing some objectives shared by the signatory institutions. Unlike a project, it has no funding in the sense ordinary research projects have, nor does it have a defined end date after which the results would be critically assessed. Funding has mostly consisted of travel money received from a number of sources available at the University of Helsinki.
Participant institutions
The Department of English and Translation of St Petersburg State University
The Department of English of the University of Helsinki (Department of Modern Languages, English Philology 2010-)
The St Petersburg Department of Foreign Languages of the Russian Academy of Sciences
The Library of the Russian Academy of Sciences
Recent and ongoing work
One important aspect of the EETACS collaboration is editing manuscripts held by St Petersburg libraries. Leena Kahlas-Tarkka and Matti Kilpiö are presently working on an edition of three manuscripts of Ann Bathurst's religious meditations. The edition will cover the whole of the fragmentary autograph kept in the Bodleian Library and the corresponding passage in the fair copies housed in the library of the Russian Academy of Sciences and the Bodleian Library.
Guillaume Coatalen (University of Cergy-Pontoise, Paris) is in the process of editing autograph letters of Queen Elizabeth I in the National Library of Russia for the VARIENG eSeries.
The most recent result of EETACS collaboration with Russian scholars is volume 9 of the eSeries of VARIENG, Western European Manuscripts and Early Printed Books in Russia: Delving into the Collections of the Libraries in St Petersburg, published in May 2012.