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Timing / Cam Belt Kit – MK1 & MK2 *New*

£30.00 ex VAT £36.00 inc. VAT

A brand new timing cam belt kit for the MK1 and MK2 1.6 and 1.8 models 1989 to 2005

OEM Specification

Comprises of 1 x timing belt, 1 x idler pulley, 1 x tensioner pulley and 1 x tensioner spring

This is a four piece set which includes the tensioner spring which is not sold with most kits on the market

It is highly recommended as a matter of course to change the water pump at the same time as the cambelt is being changed – check out our product listings to include the water pump and cam cover gaskets

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Pekerjaan Tidak Dijumpai

Maaf kami tidak dapat mencari pekerjaan yang anda cari.

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I need someone who can add my filter from my website into my mobile design

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Transform a scan in Excel doc 6 hari left

I need to transform a PDF (scan) in an excel document. I only need pages 2 to 22. Warning: pages 15 to 22 are not in the right position. Datas need to be absolutely clean. Thanks for your reply.

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configure current wesbite 6 hari left

Hi all, We are an engineering business that would like code written to manage different engineers in the field. (1) Admin and user area to show current jobs etc. (2) Vehicle check page (page in place however needs code to be written to allow operative only to submit/view every 24 hour) to be shown to operatives who drive for the company every 24 hours. Ongoing development of the website to sui...

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Os vendedores externos usarão um aplicativo contendo produtos, preços e clientes , emitirão pedidos de vendas e enviarão para um ftp que possa ser importado automaticamente por meu ERP principal

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Convert PSD into HTML 6 hari left

Convert PSD into HTML5 (Responsive) for Sandwich shop

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I need to design a website for my new company, roughtly about 5 to 6 pages.

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I need someone to look through the code and tell me line by line what the code is doing for each class. Print screen the classes on a document. And go through the code and provide two or three lines on what the code is doing. After that you have to something similar with the database side and put it onto a document. After all that, I will need someone add to the designs based on the data. I wil...

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Create scientific article. 6 hari left

I want to make scientific article such an attached article based on the attached report as well as the name of the author should same such as the names in the report as well as the name of the supervisor. For the design of the scientific article should be like the attached article in terms of design font font size and look exactly similar to it.

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Hello I want to fix two addons in my phpbb3 script. This two erros are only in mobile version of android. They works nice on pc. I have two short movies which described these errors very well. So You will be able to reproduce them easily. You have to be good javascript and php specialist. You also should be owner of android phone to reproduce these errors. My script is phpbb3 so it will be nice I...

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I need the background for images removed on an ongoing basis.

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Blog Setup on Divi with Magazine Layout

Looking to in short order get our new blog setup. Our old Wordpress data/posts will be transferred again. We will have people help to re-categorize all the posts into the proper new categories.

Add logo

Order of content on default page

(See PDF attached for some of the changes we want to implement) design to provide additional hex colors.

If this goes well we have another project that involves customizing a theme we will purchase for a different URL.

Starting immediately

Kemahiran: Reka Bentuk Grafik, HTML, PHP, Reka Bentuk Laman Web, Wordpress

Lihat lagi: divi single blog post layout, divi blog post layout examples, customize divi blog module, divi layouts, divi blog style mode, divi blog layout pack, divi blog grid layout, divi magazine layout, magazine layout estimates, free magazine layout photoshop, coupon magazine layout design, magazine layout creator, powerpoint magazine layout, double truck magazine layout, magazine layout mockup, word blog setup service, newspaper magazine layout design, print blog rss feed magazine layout, setup magazine layout joomla, ill in a Spreadsheet with Data. See PDF attached and example Excel Sheet

Tentang Majikan:
( 3 ulasan ) Berlin, Germany

ID Projek: #18999333

Dianugerahkan kepada:

HI, I have seen PDF file. I can do these all easily. I am an expert full stack developer. I have already built may themes and plugin for wordpress. Kindly ping me for perfect and fast work. Kindly show me your curre Lagi

€250 EUR dalam 3 hari
(142 Ulasan)

45 pekerja bebas membida secara purata €407 untuk pekerjaan ini

Hello! I am an expert WordPress developer, having 12+ years of experience and designed and developed 2000+ websites. I have checked your requirement for re-categorizing all the posts into the proper new categories. Lagi

€250 EUR dalam 10 hari
(328 Ulasan)

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We have done 100+ Divi based websites like [login to view URL] [login to view URL] [login to view URL] [login to view URL] [login to view URL] [login to view URL]

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Hi, i am interested in implementing the changes from pdf .

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Hey, I can get started on this BLOG asap. I have extensive experience when it comes to wordpress websites, please message me i have a few questions. Regards, C

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text:
build me a pop up with instagram link and discount code for whoocommerce

I want a pop up feature coded for whoocommerce and mailchimp.

i want it to be exactly like the attached picture. Meaning that the pop-up has two step to get the discount code. The first step "follow us on instagram" is just a click-to-open a new window feature (that leds to the IG page), then in the step 2 the customer enters the e mail adress and receives the discount code.

i.e the system does NOT need to undertand/feel if the customer follows the UG page or not. But just open the IG page in a new tab, and then have that field in the pop up as "checked".

Visit [login to view URL] to see the pop up.

design, font and colors etc kan be changed later.

Kemahiran: CSS, Reka Bentuk Grafik, HTML, PHP, Reka Bentuk Laman Web

Lihat lagi: orderitoncom discount code, link checker code, discount code tristatemeds, smart coupons woocommerce nulled, woocommerce advanced coupons, woocommerce shipping coupons & discounts, woocommerce coupon tracking, woocommerce gift cards, woocommerce smart coupons review, wordpress discount plugin, woocommerce coupon popup, volusion discount code, discount code, improvements discount code, text link ads code php integration, computersupermarketcom promo discount code, apparelbuildercom discount code forum, improvementscom discount code, blurb discount code, blurbcom discount code

Tentang Majikan:
( 3 ulasan ) stockholm, Sweden

ID Projek: #18959805

6 pekerja bebas membida secara purata $40 untuk pekerjaan ini

Dear Recruiter, We are a CA-based in-house Web/App Designing and Development Agency. We are a full stack team of website designers and developers having expertise in Designing, Developing Creating Database and Mainta Lagi

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I would like to assure that I am expertise over here that can definitely fulfill your requirement at the expert level. Regards W3ondemand

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decorative kitchen mural
decorative kitchen mural
decorative kitchen backsplash mural tiles

Tile Mural "Typical Courtyard"

Hand crafted tile mural for a kitchen backsplash, wall and table top. Use it as a focal point with decorative flavor. It is made of twelve ceramic tiles from Mexico. Mural main colors are yellow, green and brown. Order painting "Typical Courtyard" in standard size or custom made. Delivery estimated for four weeks.

  • Length 12" (30cm)
  • Width 16" (40cm)
  • 12 4x4 (10cm) tiles
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text:
Tour Kourtney Kardashian's Insane Walk-In Pantry

Updated 07/17/18

Khloé Kardashian usually steals the limelight for her next-level organization skills, but new images of Kourtney's walk-in pantry reveal that the older sister has a knack for storage, too.

In an article for her eponymous website, Kourtney explains her interest in organization started when she had her first son, Mason. "The way I organize my pantry is partly because I like how it looks, but also because food storage is important to your health," the reality star says. "When I had Mason, I got really into researching the safest way to store food (and serve food, which is why I only use stainless steel plates and cups for the kids)." The result? An impeccable, well-organized space that looks straight out of Whole Foods.

Take a look inside Kourtney's insanely organized pantry, and try her top three storage hacks to style your own.

kourtney kardashian pantry
John Sciulli/Stringer

1. Keep Healthy Food Within Reach

Each item has a specific storage spot in the pantry. "I lined the pantry with industrial stainless steel baker racks and shelves. I always keep the healthy snacks on the bottom rack so the kids can reach them," she says.

Kourtney Kardashian's Pantry
Burke Doeren and Tayler Dubé
Overstock Seville Classics 4-shelf UltraZinc Steel Wire Shelving $68

2. Label the Underside of Jars

"I try to avoid having plastic in the house, so when we get new cereal, rice, grains, sugar or flour, I transfer everything into these glass jars," Kourtney says. "Since food can absorb harmful toxins from being stored in plastic containers, I keep a large stock of glass and stainless steel vessels in the house."

Before she tosses plastic packaging, Kourtney makes note of the expiration date so she knows when to replace food. "I put stickers on the bottom of each canister labeled with the expiration date so I can make sure the pantry is always stocked with fresh food," she says. "I also use a P-Touch label maker to clearly label each glass jar."

Kourtney Kardashian's Pantry
Burke Doeren and Tayler Dubé
Copper Classic 17oz Storage Jar
Bodum Copper Classic 17oz Storage Jar $15

3. Invest in Matching Baskets

"Woven fiber baskets are a great way to keep chips, small bags, bottles and baking supplies organized," Kourtney says. She uses West Elm baskets to "make the space look uniform and give the overall pantry a really clean vibe."

"We keep back stock in these bins and they are all labeled into sections: salty snacks, sweet snacks, breakfast, spices, seasonings & oils, condiments, baking supplies (with sugar, flour, etc.) and tea. I also keep one filled with foil, wax paper, plastic wrap and different sizes of resealable bags."

Kourtney Kardashian's Pantry
Burke Doeren and Tayler Dubé
Metallic Woven Storage Basket
West Elm Metallic Woven Storage Basket $44

Think Kourtney Kardashian's pantry is organized? See how sister Khloé's compares.

Related Stories


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Fitbit Tracker

  • Api_clients_30_3_10_0_17450
  • Api_clients_30_3_10_0_65832
  • Api_clients_30_3_10_0_94804
Track your steps, distance, calories burned, active minutes, stairs climbed, and sleep with Fitbit devices. Your stats upload wirelessly via computer or select mobile devices, so you can see progress toward your goals. Stay motivated by earning badges or connecting with friends for support or friendly competitions. Log food, workouts and more.

By connecting your Fitbit Tracker to your MyFitnessPal account, all of the data tracked by your Fitbit will be synchronized with your MyFitnessPal account. Your daily calorie goal will automatically be adjusted to take into account your activity level as measured by your Fitbit.

**Works with all Fitbit Trackers**
iPhone is a registered trademark of Apple Inc. App Store is a service mark of Apple Inc.


text:
About My Health Guide

People with learning disabilities often have difficulty managing complex information that comes their way, including information about their health and health care.

marketing-app-screen2 - Copy

We wanted to find a way in which people could hold on to and make sense of the information they are given about their health and wellbeing.

We also wanted to find a way in which health professionals could both get across and receive important information to and from someone they support, to help professionals personalise care and improve outcomes.

Whatever we came up with had to enable and empower people to communicate about themselves and their needs.

My Health Guide enables users to

  • Capture what matters to them in a single, user-friendly place in a format that best suits them: text, images, video and audio
  • Share information with carers and health professionals
  • Establish better quality relationships with support staff and health professionals

Watch how My Health Guide is helping service users and staff at Miller’s Day Centre in East Yorkshire.

My Health Guide Benefits

  • Better outcomes
  • Less confusion
  • Greater control & choice
  • Greater confidence
  • Better co-ordinated care

Family Carers

  • Better informed and involved
  • Manage support across different services
  • Better knowledge sharing

  • More effective front-line service
  • Improved outcomes
  • Real-time progress reporting
  • Better patient/user communication
  • Integrated working

  • Improved service efficiencies and patient outcomes
  • Reduced out-of-area placements
  • Quality reports direct from service users
  • Tackling health inequalities

It’s a bespoke record of the patient. A complete picture of the person, available to them, to their carers, to their family and to health care professionals. It provides a much richer picture of that individual.

David Hill, CEO, Humber NHS Foundation Trust

Find out more about Maldaba’s work in creating My Health Guide in our new video.

Funding Partners

My Health Guide development was commissioned and funded by NHS England. The views expressed on this website are those of the authors and not necessarily that of the funding partners.


text:
Push Awards 2017 Winners - The Complete List

Here you can find the winners in the 3rd Push Awards 2017, as announced earlier via the ASAP Chillout livestream online.

Multiple winners, or those with at least 2 and more wins this year, include Liza Soberano, Daniel Padilla, MayWard and Karla Estrada.

LIZA SOBERANO (photo by @perrytabora) - Push Female Celebrity, Push Female TV Performance of the Year (for 'Dolce Amore'), Push Female Movie Performance of the Year (for 'My Ex and Whys')

KATHNIEL KATHRYN BERNARDO and DANIEL PADILLA (photo by @abscbnonline) - Vivo Personality of the Year
DANIEL PADILLA - Push Male Celebrity, Push Male Movie Performance of the Year (for 'Barcelona: A Love Untold')

MAYWARD MAYMAY ENTRATA and EDWARD BARBER (photo by ryanveloria25) - Push Group/Tandem, Push Ultimate Fan Club
EDWARD BARBER - Push Newcomer

KARLA ESTRADA - Celebrity Host of the Year, Celebrity Family of the Year, Celebrity Foodie of the Year

COCO MARTIN - Push Male TV Performance of the Year (for 'FPJ's Ang Probinsyano')

SARAH GERONIMO - Push Music Personality

KIM CHIU - Celebrity Fitspiration of the Year

ANNE CURTIS - Celebrity Traveler of the Year

ELISSE JOSON - Celebrity Fashionista of the Year

YASSI and ISSA PRESSMAN - Push Dance Cover (for their "Shape of You" cover)

MORISSETTE AMON - Push Song Cover of the Year (for her "Stone Cold" cover)

KRISTEL FULGAR - Push Adober Personality

ALYSSA VALDEZ - Push Sports Personality

DJ JHAIHO - Push Radio Personality

BABY SEVE SORIANO - Celebrity Baby of the Year

Congrats to all the Push Awards 2017 winners! - Mykiru.ph

About Unknown

Mykiru is an entertainment blogger, having been named as one of the Top 10 Pinoy Showbiz Resources in the Philippines. For a decade now, Mykiru.ph has been delivering the latest, the hottest and most trending issues in the country.

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New EP out now!

Buy it here

Dec ’19

’t Blok Nieuwekerk

14/02/2019 We’ve got some great reviews of our EP!

This time by White Room Reviews.

“My Own Army belooft met de EP A Medicine Show weer veel moois voor de toekomst.”

Check it out here

“Dat het Rotterdamse viertal met deze EP een puike set nummers aflevert staat echter als een paal boven water. “

Check it out here.

14/10/2018 My Own Army supports Donnerwetter

This Friday October 18th My Own Army will support Donnerwetter at Bibelot in Dordrecht. The band plays at 21:00. We hope to see you there!

24/09/2018 -200- by the Sea festival

Yes! My Own Army will be playing the 200 by the Sea festival in The Hague together with acts like Ronnie Flex & Deuxperience, Splendid and Hallo Venray!

My Own Army plays on September 27th at 20:45 in Seelab (Duinstraat 55). The evening’s promoter is Vestrock.

Be there!

18/08/2018 Muzikale Helden Festival

Another summer festival for the Army! The band has been booked for Muzikale Helden Festival in Hellevoetsluis. My Own Army starts at 13:30 hours so be on time!

14/07/2018 A medicine Show

With a great EP release party behind us and a rockin’ performance at the Tinte Summer Festival, My Own Army is ready for a well deserved summer break.

Make sure to check out our music on iTunes and Spotify or buy one of our CDs at the RVP Records store

23/05/2018 EP coming soon

Yes! Our brand new EP is ready and we’re preparing to launch it with an EP release party on June 29th at WPC Nederland 3 in Wateringen. So, mark the date in your calendar. There’s no support act, just us on stage kicking off our set at around 21:45. Tickets can be purchased via

    EUR 3: entrance

    EUR 7: entrance + EP (provided at the door)

Of course, if you can’t make it you can also purchase the CD for EUR 4 from our record label, RVP Records.

Support alternative music and hopefully see you on June 29th!

20/05/2018 EP coming soon

Almost ready! Our brand new EP entitled A Medicine Show, is almost ready for release. The artwork and master production have gone to the presses. The EP will be released on June 29th with a release party at NL3 in Wateringen. It’s going to be a blast so make sure you’re there! More information soon to come on tickets. Rock on!

01/01/2018 Back in the studio!

November has marked the first recording sessions of our new EP. The bass and drum tracks are now being edited and mixed by Hans Pieters of The People’s Noise. Work on the artwork is underway as well as preparation for the recording of the guitar parts, which will take place in January. The vocal tracks will be recorded in February. We anticipate the EP release will take place in April after we complete mixing and mastering. Of course the release will be complemented by a small promotional tour. The venue for the EP presentation has been booked, but we’re not disclosing it yet 😉.

Have a happy New Year and rock on in January!

19/06/2017 My Own Army at the playground

Mark June 30th in your calendar cause My Own Army will be playing a brand new set live in Cafe De  Speeltuin in Breda at 10 pm. Entrance is free for all ages. Be there!

My Own Army is an Alternative-Indie rock band from Rotterdam, The Netherlands.

With over a decade of making music together, one could call My Own Army veterans of the Dutch rock scene. They have toured around the country in their years and seen bands come and go, in a music genre that unfortunately does not have the popularity it once had in the 90s and early 00s. So, what is it that motivates these guys to continue experimenting musically? What keeps these guys so driven? What inspires them?

Naturally, it’s their love of music. But, there is more to it than just that. With two EPs and a full-length CD behind them, all demonstrating musical growth and experimentation, it seems the band wants to place its own stamp on the music genre that they are a part of and that they love. Where most other bands stop or switch genres when their musical and creative contribution has been exhausted, My Own Army perseveres, relentlessly testing their musical boundaries when bringing their unique sound and musical writing style to the table.

In 2010 the band released its debut EP entitled Throw Away the Silence, recorded under the indie label DGR Music. In 2014, the band continued their musical development and recorded Too Many Faces, a full-length CD released under RVPrecords. As 2016 rolled around, the band began to struggle with their musical identity, ushering in a year of sabbatical from performing live. This gave the band time to concentrate on their sound, the structure of their songs and, all in all, their musical identity. As a result, the band has written ten new songs in the last year, five of which they have recorded in 2017 and 2018 and have released on the 29th of June 2018 as a new EP.

Inspired by bands like Oceansize, Soundgarden, Elbow and Tool, My Own Army is continually looking to surpass their boundaries both musically and lyrically. The band gives a strong and energetic live performance of approximately one hour, mixing a bombastic bass-and-drums-driven rock sound, with melodic and atmospheric vocals, backing vocals, and wailing lead guitars.

Released 2018 - RVP Records

Released 2014 - RVP Records

Released 2010 - DGR Music

For bookings and general information

+31 (0)6 24 77 37 72

For information regarding CD distribution and promotion

RVP Records

Download our stage plan

Download our press photo

Website built by My Own Army, artwork by Kudo Design


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Are you interested in Defibrillator For Sale? Even though we don’t sell such products, we offer you the best monitoring services for your cardiac devices.

Our team can help you with your Cardiac Device Monitoring needs

To get your questions answered, you can reach out to us by phone or email.

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To advance the patient’s quality of life is the complete environment all over the nation

Rhythm Management Group is a national provider of the help that the physicians need to carefully watch the high quality heart apparatus of their patients in the United States of America. If the patients want answers for improving the quality of life advantages that they can get from their implanted devices, our responsibility is to cater it. Many implantable machines for the heart like single, dual and multi-lead Pacemakers, defibrillators, Heart Failure monitors and the latest implantable Loop Recorders are the devices suitable with our services.

Real-Time Cardiac Monitoring For Defibrillator

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Rhythm Management Group is composed of exceptionally competent individuals who have the passion for patient care. Our executive team has more than 30 years of background experience operating in the cardiac machine business, supervising main machine clinics and leading the science of machine implantation. All of the personnel we have are IBHRE Certified device technicians and/or Registered Nurses.

Rhythm Management Group provides you monitoring and assistance for Defibrillator For Sale.


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IRVING, Texas (AP) — Nexstar is selling 19 television stations for $1.32 billion as part of its buyout deal with Tribune Media.

Nexstar agreed in December to buy Chicago's Tribune Media for about $4 billion. Part of that agreement requires Nexstar to sell certain television stations in order to comply with the FCC local and national television ownership rules and to get FCC and Justice Department approval of the Tribune Media transaction.

READ ALSO: Current and former San Antonio TV news anchors come clean: No makeup!

Nexstar Media Group Inc. is selling 11 stations to Tegna Inc. for $740 million and eight stations to E.W. Scripps Co. for $580 million.

Tegna Inc. owns San Antonio's KENS TV.

Nexstar said Wednesday that it's still in active talks to sell two stations in Indianapolis. The company said it'll use proceeds from the sale of the television stations to fund its Tribune deal and to lower debt.


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4 unproductive revision methods to dodge

Even though exam season might seem like ages away, sadly, it’s not. And you know what that means? Revision, a.k.a everyone’s favourite way to spend their life. Here at UNiDAYS we want to make studying as easy and pain-free as possible for you, so we’ve gathered together our top tips and tricks for avoiding unproductive revision. Holla at me, A*!

1. Just rereading your notes

Even though it might feel like you’re being super productive by skimming over all of your notes, it’s unlikely that anything is actually going in. Rereading is not an active enough process and unfortunately, in order to nail your studying, you need to be as active as you can. There’s nothing wrong with rereading your notes and then doing a follow-on activity like writing down as much as you can remember or practising an exam question, but steer well clear of the ‘I’ll just read my notes again the morning of the exam’ technique. Life would be so much simpler if that actually worked. Typical, huh?

2. Trying to cram it all in

So, it’s the night before an exam and you still have three meaty chapters of your textbook to recap. We’ve all been there, right? Absolute nightmare. Even though it might seem like a great idea to pull an all-nighter and cram, it’s actually one of the worst things you could do. Just think of how much extra strain you’re putting on your brain! Studies have suggested that students who have timetabled their workload sensibly will have a much greater chance of success, so why not make it easier for yourself and do little and often?

3. Winging it

‘Fail to prepare, prepare to fail.’ You’ve probably heard it a million times before - it’s harsh, but it’s true. If you’re going to sit down and do some revision, make sure you plan what you’re going to do. There’s absolutely no point trying to revise if you have no idea what you need to look at or how long you’re going to be studying for - give yourself an end goal. There are tonnes of online revision timetables you can download or print out, so there’s no excuse. Structured revision is the key!

4. Avoiding exam practice

So, revision is all about getting fully familiar with the exam material, right? Well, in a way, no. Spending too much of your time going over something can actually detract from the skill you’re going to be tested on - writing answers in exam conditions. Put it this way, footballers aren’t going to practise for a football match by never playing football, so you need to make sure you’re continually testing and marking yourself using materials from the exam board. Nail the practise, nail the exam! Simple.

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  • Join now or log in to start saving on everything from food comas and fashion to (finally) getting fitter.
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Monday, 23 January 2017

Iyabo Ojo biography,her daughter and the Maka Ray affair stories.

Iyabo Ojo and Muka Ray for a long time were subjects of interest for Yoruba movie lovers.Talk was that even though Muka was married,they were having an affair.The fact that they appeared in films together constantly,didn't help in defusing the rumour.Now some are saying the fact that 39 year old actress had dated him while he was clearly married,is one of the reasons why she is advocating men cheating are not necessarily bad men.This was the opinion she expressed on Nigerian social media.Some agreed with her while some said she had low self esteem and that women like her are the reason why so many men cheat.

Iyabo Ojo husband.As you might well know was married once but got divorced.She went on to claim that the marriage was not based on love and that he only married her because she was pregnant.She has two grown up kids from the relationship.A boy and a girl.Her daughter in particular is well known on social media due to many pictures they take and post together.There is clearly a lovely bond between mother and daughter.

Image result for iyabo ojo children

Now back to that advise she gave to women that not all men who cheat are bad,here are some of the interesting points she made:'Ladies, Not every man who cheats on you is bad! it's in their nature to cheat as every man has a bit of it deposited in them. He may love you but still cheat on you, as long as he respects, care and keeps it far away from you. it's a twisted world my dear but that's just the fact'.
'If you find one who doesn't cheat on you then you are extremely blessed but A man who makes you feel less of your self, a man who enjoys seeing you beg and wail, a man who doesn't care if you fall into depression a million times until you run mad, a man who makes you feel like nothing, a man who throws your love back to your face at every given opportunity, a man who feels you are so unattractive that he doesn't want to take you out anymore giving you that low self esteem, a man who never appreciate anything you do for him, a man who feels your opinion doesn't count, a man who feels you should be seen and not heard, a man who feels without him you are nothing, a man who will only have you when he wants you, a man who doesn't fight for you, a man who condemns you to his friends and side chicks, a man who looks at you with so much irritation, a man who flaunts his side chick in front of you, a man who is physically & mentally abusive towards you and sometimes your kids, a Man you have to always beg to perform his manly duty before he agrees to touch you! That man is so bad and so wrong for you.

'Stop asking me what should I do? Oh the society and my friends will mock me, oh my kids! Hello woman, wake up he doesn't love you, stop looking for excuses for him, his love was never real in d first place, Mrs is not a do or die matter, your happiness should always come first, you should always come first, it's only when you are in the right frame of mind that you can take good care of your kids. For the record, mothers who vent their anger on their kids for failed husband issues should stop it! No be them send you message'.
'You made d choice and it turned out wrong, you can always make it right without him! You either die trying or take a reality check and walk out! it's never too late! If you stay in it well - all the best! Its a lost battle and you are on your own. Your happiness must always come first if you truly want to live for your kids and yourself.

Interestingly,when asked about the relationship between the two,Muka denied there was anything.He further said his wife knows the relationship between them is purely business.He was also asked if he would have married her had he not been married already.This journalists sef,they do ask you stupid questions at times,anyway,he did not fall for that trick.
He replied that he could not marry or propose to her even if he was single because celebrity marriages do not work.

Let's discover more by checking out Iyabo Ojo biography.The actress was born on 21 December 1977 in Lagos(making her 39 years of age at the time of this article),her father is from Abeokuta. She has two other siblings and she is the youngest,having two older brothers. She went to school in Lagos at National College, Gbagbada,then studied Estate Management at Lagos State Polytechnic.

Her acting career began in 1998. Speaking on how she started,she said: "So after I had come of age, I went to Bimbo Akintola, after watching one of her movies ... and told her that I wanted to be an actress and she did help me. Through her guidance, I registered with the Actors Guild of Nigeria (AGN) and afterwards she took me around, introducing me to a lot of the people she knew in the industry."
Although she is mostly known for her Yoruba film roles,her first role was in 1998's Satanic, an English-language film.It was not until 2002,that she made her Yoruba-language debut with Baba Darijinwon.
In 2004,Iyabo started producing her own films, her first production being Bolutife, after which she made Bofeboko, Ololufe, Esan and Okunkun Biribiri.
On May 2011,she launched her NGO, Pinkies Foundation, which caters to the children with special needs and the less privileged.

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Scream! Cheese Swirl Brownies

Scream Cheese Swirl Brownies Recipe

I've told y'all how I'm a Hamburger Helper/Stouffer's Lasagna kind of cook. Well this Betty Crocker Recipe is seriously right up my alley. Yes it uses a box mix (the HORROR!) but it gives it a new twist. PLUS, it is great for the Holiday, you could change the colors for any other Holiday (pastel colors for Easter, Red/ Pink for Valentine's, Red/ Green for Christmas) but also it isn't scary. And I have a munchkin who is a little sensitive so finding recipes that went with Halloween, were easy to make, AND weren't scary was a hard task. And cream cheese makes everything yummier.

What You Need:
4oz each cream cheese, softened (from 8 oz package)
1 egg
3 tablespoons sugar
4 drops red food color
4 drops yellow food color
1/4 teaspoon vanilla
1 box (1 lb 2.4 oz) Betty Crocker® Original Supreme Premium brownie mix
Water, vegetable oil and egg called for on brownie mix box

What You Do:
1 - Heat oven to 350°F (325°F for dark or nonstick pan). Grease bottom only of 9-inch square pan with shortening or cooking spray. In small bowl, beat filling ingredients with electric mixer on low speed until smooth. Set aside.

2 - Make brownie batter as directed on box. Spread 3/4 of brownie batter in pan. Spoon filling by tablespoonfuls evenly onto brownie batter. Spoon remaining brownie batter over filling. For marbled design, pull knife through batter and filling in wide curves; turn pan and repeat, if desired.

3 - Bake 40 to 44 minutes or until toothpick inserted 1 inch from side of pan comes out almost clean. Cool completely at room temperature, about 1 1/2 hours. Refrigerate at least 1 hour until chilled. For brownies, cut with plastic knife into 4 rows by 4 rows. Store covered in refrigerator.

This recipe can be found HERE along with many other good ones plus other money saving coupons (and you all know how much I love coupons). :)

  1. Just followed your blog. Would love to have you follow back at

  2. Thanks for the recipe! I love this. I will definitely try it. My family def will love this. Your baby girl is so cute btw. Followed you from the blog hop. Pls kindly follow back if you don't mind. thank you :)

  3. These would be great to take to a Christmas party. Thanks for sharing!

  4. Those look so good, and would be a great addition to any party. Thanks for sharing.

  5. Anything with cream cheese has me in loooove!! Totally trying these asap!

Thank you for dropping by! I would love to hear what you thought. :)


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Chrome & Stainless

Chrome & Stainless

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Suitable surfaces:
Chrome finishes, stainless steel, kitchen appliances, hoods, commercial kitchens, elevators, stairs

Product specific effects:
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Product no.: 620.603.15

nanoproofed® protection Chrom & Edelstahl is a semi permanent system based on the nano technology for the maintenance of metal and plastics surfaces.

13.46 / 100 ml *

In stock
can be shipped within 2 days

nanoproofed® protection Anti-Finger-Print is a solvent based system on the basis of the chemical nanotechnology containing abrasive components. It is designed for an effective cleaning of chrome- and stainless steel surfaces. nanoproofed® protection Anti-Finger-Print provides an additional protection against dirt and fingerprints on stainless steel  surfaces.

Suitable substrates: Stainless steel and chromium

10.88 / 100 ml *

Not in stock

* Prices incl. VAT, plus delivery


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Napa Earth Day Cleanup

Presented by Napa County Resource Conservation District at Oxbow Commons, Napa CA

Apr 28
Napa Earth Day Cleanup

Join this community effort by cleaning up streets and creeks around Napa for Earth Day!

Keep Napa clean by preventing trash from getting to our River, then celebrate our river at Napa’s annual Earth Day Festival!

Choose the site that works best for you. Each one will have a site captain that will check you in. Grab some gloves, a bucket, sign a waiver and pick up some trash!

  • Downtown Napa: behind Firefighter’s Museum at the corner of Main and Pearl Streets
  • South Wetlands: southern end of Jefferson St.
  • Salvador Creek/ Vintage High: meet at quad by gym
  • Oxbow District:
View more

  • Apr 28, 2019 at 09:00 am - 11:00 am (Sun)
* Event durations (if noted) are approximate. Please check with the presenting organization or venue to confirm start times and duration.

Oxbow Commons

1268 McKinstry St, Napa, CA 94559

Google Map of 1268 McKinstry St, Napa, CA 94559

See what's near this venue

CONNECT WITH Napa County Resource Conservation District

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Don Hamilton, 75, sought a volunteer opportunity that offered some excitement while tapping into his military experience and boating knowledge. He found the Collier County Sheriff's Office Marine Unit. Shelby Reynolds/Naples Daily News

"How may I help you?"

It's a question Mary Lou Connone stands ready to ask when any outsider steps into the Greater Naples Chamber of Commerce's visitor center.

She's asked that question more times than anybody can count as a volunteer at the center for more than 25 years. For her, the question never gets old — and it shows in her enthusiasm for the job.

Connone, 88, works at the visitor center tucked inside the chamber's offices from 9 a.m. to 1 p.m. on Wednesdays.

"She's our superstar of 25 years. I must guess there aren't many volunteers that have given their time so graciously as Mary Lou has, and it has been our pleasure to have her volunteer for us," said Lori Lou Waddell, the chamber's visitor information specialist.

Connone is one in a small army of about 60 volunteers at the visitor center. She's logged more than 6,000 hours there.

More: Volunteer elves bring Christmas joy to moms, kids who fled violence

More: Family marks 25 years of holiday toy donations

More: Bonita Springs man fixes broken bikes, gives them away to those in need

She recruited one of her best friends from childhood, Ethel Ferraro, to work alongside her. Ferraro, who comes in on the same day weekly, has given her time at the center for about 17 years.

"They're enthusiastic ladies and happy. I love my volunteers. I'm amazed by all these people. I'm so lucky to have them as team players," Waddell said.

On the job, Connone is always eager to help. She asks how long tourists will stay before offering up any options or handing them any brochures. She wants to share the information that best fits with visitors' interests.

"If their main interest is hiking, I'm not going to send them to Waterside Shops," Connone said.

She often suggests a visit to The Revs Institute, offering a treasure trove of cars owned by Miles Collier, a descendant of the county's namesake, Barron Collier.

Some of her other recommendations include a dolphin watch in Marco Island and shows at the local playhouses.

More: 10 places to see dolphins in Southwest Florida

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More: Mass dolphin stranding near Everglades Park still a mystery

Connone doesn't just help tourists.

"There are many locals who come in because they're not always up on everything," she said. "There's just so many things going on that people would not know about if they didn't come into the chamber."

Connone's curiosity helps keep her on top of all the new restaurants, shops and attractions in town.

She religiously reads the newspaper to stay up on local happenings. She also gets regular updates and training through the chamber, which includes visits and tours of new offerings for tourists.

Connone loves to try new restaurants so she can give more informed dining recommendations.

"I've tried to eat my way through this town for more than 30 years," she said. "I love telling people about the restaurants."

She's seen countless eateries come and go including St. George and the Dragon near Fifth Avenue South, which had a bathroom "like the Arabian Knights," she recalled.

More: Lawsuit again targets Naples development, alleging council violated Naples charter

She remembers when the first Outback Steakhouse opened in Collier County.

"It was something to have that here," she said. "It was something new and different."

She's seen so many other changes in Naples over the years as it's grown, some of which make her a bit sad, including the closing of the Witch's Brew nightclub and Mother Shuckers, a little seafood shack at the Naples Pier.

"Grand Central Station was this wonderful shopping center," she said. "They had everything, and they tore it down. That's where Naples Square is now."

Within a few seconds of meeting Connone, it's clear she loves Naples. A former Realtor, she convinced many of her friends from Ohio to buy homes here.

Her first introduction to Southwest Florida was a stay on Fort Myers Beach decades ago, a trip she earned as a top sales agent in Lorain, Ohio. She considered buying a home in the town but didn't like the traffic.

"I thought, 'Enough of that. Let's try Naples,'" she said.

Connone bought a waterfront hotel/condominium at the Cove Inn on Naples Bay as an investment in 1982, paying $55,000, considered expensive at the time. She purchased a second one, then talked about a dozen friends into buying units there, and before long, it became "like a sorority house for seniors," she said. Sadly, most of those friends have fallen ill or died, but the memories live on.

"We had a ball," Connone said. "We were young, and we even marched in the St. Patrick's Day parade. We all wore shirts that said Cove Inn."

In 2001, Connone sold her units at Cove Inn to move into a larger condo, officially becoming a full-time resident. Before that she had spent about seven months of the year here, reporting to the visitor center weekly for work when she was in town.

The center isn't as busy as it was when Connone first walked through the doors in 1992 to sign up as a volunteer. Then hardly anyone owned a cellphone, most people didn't have a computer, and the Internet hadn't become popular.

In the early years, Connone recalls handing out a cellphone to tourists so they could call chamber members to get more information about places to stay and things to do, then taking the phone back for the next visitors who walked through the door.

"We used to get 900 to 1,000 a day through the door," she said. "Unbelievable."

The tools for sharing information have gotten more sophisticated, including the official Visitors Guide magazine, which is regularly updated. The visitor center is filled with glossy brochures, chock-full of information.

Since Connone started volunteering at the center, it has moved five times, and it will soon relocate again — this time to an old baggage car at the historic Naples Depot downtown.

More: Naples visitor center to move into rail car at depot

Connone has watched the county's year-round population swell to about 330,000 and tourism "turn Naples, Florida, into a bright star on the map," Waddell said.

"Through it all, Mary Lou has had an unwavering curiosity, joy and pride in the people, the places, the events and the changes in Naples and Collier County," she said.

Connone has arrived early and stayed late. She's updated and organized files and helped new volunteers become knowledgeable ambassadors for the destination.

In November, Connone received a one-of-a-kind service award and a personalized name badge. The city declared it Mary Lou Connone month.

Connone is no stranger to volunteerism. In Lorain, Ohio, she was involved in many civic and community groups. She helped restore the community theater and get a community hospital built. She was the first to receive a "Woman of the Year" award from the Lorain Jaycees.

"Once a volunteer, always a volunteer," she said. "It's just such fun."

What Connone loves most about her work at the visitor center is "just making people happy."

"They are all so different and always nice," she said. "The first thing we hear from visitors is 'This town is so clean.' This town is so beautiful. It's paradise."

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So you've been in a crash, here's what you should do. Michael Braun/The News-Press

A crash that shut down Interstate 75 in North Naples Tuesday afternoon sent one man to the hospital for treatment of serious injuries.

Pedro Roberto Ruiz, 62, of Cape Coral, was driving a 2003 Ford Explorer on the inside northbound lane of I-75 just south of the Immokalee Road exit at mile marker 111, according to a Florida Highway Patrol release.

Ruiz crossed the west paved shoulder and went into the grassy median, FHP reports. He crossed the shoulder again and continued driving on the inside northbound lane, according to the report.

Ruiz then crossed the west shoulder again, and his vehicle overturned in the median, according to FHP.

More: All northbound lanes of I-75 in Collier open after crash with injuries

The Explorer stopped upright facing south in the median of I-75, the report states.

Ruiz suffered serious injuries and was taken to Lee Memorial Hospital, FHP reports.

He was wearing his seatbelt, and alcohol was not a factor in the crash, the report states.

Charges are pending further investigation, according to FHP.

The crash was reported at 3:05 p.m. and shut down all northbound lanes of I-75 while FHP investigated.

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Used 2016 Kia Sportage LX for Sale in Elmhurst, IL

Comments & Reviews

  • Comments: CARFAX One-Owner. Clean CARFAX. Black Cherry 2016 Kia Sportage LX FWD 6-Speed Automatic 2.4L I4 DGI DOHC 16V

    For your peace of mind we have included over 20+ photos, for you to judge the condition yourself. As you do your comparison shopping, you will see Napleton Acura Kia of Elmhurst, IL, offers some of the best values in the market. We will provide you a Carfax, Comprehensive Vehicle Inspection., And a Market Report on how we arrived at the price. We may not be the lowest, but if you want to know who is, we will show you that too. Call 630-941-4300 or Stop by Napleton Acura Kia on 745 West Lake St. Elmhurst, Il 60126. To schedule a test drive today. Serving the Greater Chicago Area. Out of town buyer's free pick-up at the airport. We can help arrange delivery right to your front door too! Recent Arrival! Odometer is 3563 miles below market average! 21/28 City/Highway MPG

    * JD Power Initial Quality Study (IQS)

    * Powerful turbocharged engine in SX trim; quick steering response and composed handling when going around turns; lots of features for the money; generous warranty coverage. Source: Edmunds

Packages & Options

Included Packages

Included Options

3.064 Axle Ratio

4-Wheel Disc Brakes

6 Speakers

ABS brakes

AM/FM radio: SiriusXM

Air Conditioning

Alloy wheels

Brake assist

Bumpers: body-color

CD player

Carpet Floor Mats

Cloth Seat Trim

Delay-off headlights

Display: analog

Driver door bin

Driver vanity mirror

Dual front impact airbags

Dual front side impact airbags

Electronic Stability Control

Four wheel independent suspension

Front Bucket Seats

Front Center Armrest

Front anti-roll bar

Front reading lights

Illuminated entry

Low tire pressure warning

MP3 decoder

Occupant sensing airbag

Outside temperature display

Overhead airbag

Overhead console

Panic alarm

Passenger door bin

Passenger vanity mirror

Power door mirrors

Power steering

Power windows

Radio: AM/FM/CD/MP3/SiriusXM

Rear anti-roll bar

Rear window defroster

Rear window wiper

Remote keyless entry

Security system

Speed control

Speed-sensing steering

Split folding rear seat

Steering wheel mounted audio controls

Telescoping steering wheel

Tilt steering wheel

Traction control

Variably intermittent wipers

Detailed Pricing

  • $14,947 True Market Price
  • Personalize Payments
  • All vehicle specifications, prices and equipment are subject to change without notice. See above for information on purchase financing and lease program expiration dates. Prices and payments (including the amount down payment) do not include tax, titles, tags, documentation charges, emissions testing charges, or other fees required by law or lending organizations. The estimated payments may not include upfront finance charges that must be paid to be eligible for the purchase financing program used to estimate the APR and payments. Listed Annual Percentage Rates are provided for the selected purchase financing or lease programs available on the current date. Program expiration dates reflect currently announced program end dates, but these programs are subject to change at any time.

    Lessees will be financially responsible for mileage beyond the elected quantity and for vehicle maintenance and repairs and excessive vehicle wear. Option to purchase at lease end for an amount may be determined at lease signing. Payments may be higher in some states. You may not be able to combine other incentives with the purchase financing or leasing programs presented above. Residency restrictions may apply. See dealer for details.

    Listed APR, down payment, payments, incentives and other terms are estimates for example purposes only. Information provided is based on very well-qualified buyers or lessees. The payment information provided here is not a commitment by any organization to provide credit, leases or other programs. Some customers may not qualify for listed programs. Your terms may vary. Lessor must approve lease. Credit approval required.

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  • Fuel Efficiency : 21 MPG City 28 MPG Hwy
  • Exterior Color : Black Cherry Interior Color : BLACK
  • Mileage : 30,724 miles
  • Stock # : PPP8962
  • VIN : KNDPB3AC7G7837347
Kia Sportage
  • Carfax One Owner

Detailed Specifications

Convenience Features

  • 1-touch down
  • Driver vanity mirror
  • Tilt steering wheel
  • Air conditioning
  • Front beverage holders
  • Speed control
  • Illuminated entry
  • Telescoping steering wheel
  • Rear beverage holders
  • Power windows
  • Passenger door bin
  • Remote keyless entry
  • Overhead console
  • Passenger vanity mirror
  • Driver door bin

Off-Road Capability

  • Ground clearance (min): 173mm (6.8")
  • Approach angle: 28 deg
  • Departure angle: 28 deg
  • Ramp breakover angle: 18 deg

Entertainment Features

  • Wireless phone connectivity: Bluetooth
  • MP3 decoder
  • AM/FM radio: SiriusXM
  • Speakers: 6
  • Steering wheel mounted audio controls
  • CD player

Seats and Trim

  • Max seating capacity: 5
  • Rear seats: split-bench
  • Front seats: bucket
  • Front center armrest
  • Split folding rear seat

Specs and Dimensions

  • Compression ratio: 11.30 to 1
  • Engine horsepower: 182hp @ 6,000RPM
  • Front headroom: 993mm (39.1")
  • Rear legroom: 963mm (37.9")
  • Turning radius: 5.3m (17.3')
  • Passenger volume: 2,832L (100.0 cu.ft.)
  • Exterior height: 1,636mm (64.4")
  • Curb weight: 1,488kg (3,280lbs)
  • Front shoulder room: 1,440mm (56.7")
  • Wheelbase: 2,639mm (103.9")
  • Exterior body width: 1,854mm (73.0")
  • Towing capacity: 907kg (2,000lbs)
  • Engine bore x stroke: 88.0mm x 97.0mm (3.46" x 3.82")
  • Rear hiproom: 1,247mm (49.1")
  • Rear headroom: 978mm (38.5")
  • Interior maximum cargo volume: 1,546 L (55 cu.ft.)
  • Front legroom: 1,052mm (41.4")
  • Exterior length: 4,440mm (174.8")
  • Engine displacement: 2.4 L
  • Engine torque: 177 lb.-ft. @ 4,000RPM
  • Rear shoulder room: 1,400mm (55.1")
  • Interior cargo volume: 739 L (26 cu.ft.)
  • GVWR: 2,090kg (4,608lbs)
  • Front hiproom: 1,364mm (53.7")

Body Exterior

  • Door mirrors: body-color
  • Rear cargo: liftgate
  • Power door mirrors
  • Bumpers: body-color

  • Fuel economy city: 21mpg
  • Horsepower: 182hp @ 6,000RPM
  • Fuel economy highway: 28mpg
  • Transmission: 6 speed automatic
  • Variable valve control
  • Engine liters: 2.4
  • Manual-shift auto: Sportmatic
  • Fuel tank capacity: 15.3gal.
  • Fuel economy combined: 24mpg
  • Cylinder configuration: I-4
  • Engine location: front
  • Recommended fuel: Regular Unleaded
  • Torque: 177 lb.-ft. @ 4,000RPM
  • Drive type: front-wheel
  • Number of valves: 16

Safety and Security

  • Traction control
  • Brake assist
  • Electronic stability
  • Occupant sensing airbag
  • Dual front impact airbags
  • ABS brakes
  • Security system
  • Perimeter/approach lights
  • Dual front side impact airbags
  • 4 wheel disc brakes
  • Panic alarm
  • Overhead airbag
  • Ignition disable

  • Front tires: 225/60HR17.0
  • Rear tires: 225/60HR17.0
  • Wheel size: 17"
  • Speed-sensing steering
  • Four wheel independent suspension
  • Rear anti-roll bar
  • Front anti-roll bar
  • Power steering
  • Alloy wheels

Lighting, Visibility and Instrumentation

  • Outside temperature display
  • Tachometer
  • Front reading lights
  • Delay-off headlights
  • Rear window wiper
  • Display: analog
  • Variably intermittent wipers
  • Rear window defroster
  • Low tire pressure warning

New Arrivals

  • 2017 Kia Optima LX Sedan

    2017 Kia Optima LX

    • $15,995
    View Details
  • 2015 Kia Sedona SXL Van

    2015 Kia Sedona SXL

    • $21,797
    View Details
  • 2018 Kia Sedona LX Van Passenger Van

    2018 Kia Sedona LX

    • $22,997
    View Details
  • 2018 Kia Sedona LX Van Passenger Van

    2018 Kia Sedona LX

    • $21,998
    View Details
Napleton's Kia of Elmhurst has a great selection of Used Cars for Sale in Elmhurst, IL. Most of our customers are actually from Chicago, IL and other nearby communities like Lombard, Villa Park, Addison, Schaumburg, Glen Ellyn, Glendale Heights, and Carol Stream, Illinois.


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Lead Worker Initial (English)

Lead Worker Initial (English)
Location: 8390 Capwell Drive, Oakland, CA 94621
Class Time: 8:00 AM - 5:00 PM
Price: $475.00

Available Options

* Class Dates:

* Student Name(s):
* Qty:
* Student Name(s):

This Northern California Lead Worker Initial 24 Hour course meets CDPH requirements for Lead-Worker training. In this 3-day course, students will learn how lead abatement is performed in a variety of settings. You will also learn how to safely handle lead materials during construction projects which impact surfaces coated with lead paint.

Certificate of Completion: A CDPH Course Completion Form documenting Lead-Related Construction Worker training is awarded to each student who attends the course. Full attendance is mandatory.

Hours: 24 hours

Home | Courses | Schedule | Instructors | Contact

NATEC International, Inc.
1100 Technology Circle, Suite A | Anaheim, CA 92805 | Phone:(800) 969-3228 | Fax: (714) 678-2757


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Everything You Need to Know About Certificates of Deposit

Are you nervous about the risks of investing but want to grow your money? A certificate of deposit is an easy, low risk way you can save for a down payment on a house, a new car, or another big financial goal.

Don’t be content to leave your money in a savings account with low interest – with certificates of deposit, or CDs, you can take advantage of higher interest rates and save more money. A number of online banks offer great rates for CDs. All it takes is a little research to find these money-making options.

How Does a Certificate of Deposit Work?

Certificates of deposit are a great option for people new to managing their money or who prefer low-risk investments. When investing in a certificate of deposit, you give the bank a certain amount of money for a set period of time, and throughout the year the bank pays interest into that account at a set rate.

When the term of the CD ends, you receive your original deposit back plus the interest you’ve earned. If you’re saving for a specific goal and don’t need to touch your savings money for a set amount of time, a certificate of deposit is often a better option than keeping your money in a savings account. Certificates of deposit typically offer much higher interest rates than savings accounts, giving you a bigger return on your money.

Certificates of deposit are a smart investment, but it’s important to know that if you withdraw the money early, you’ll pay a penalty. The money you put into a CD can’t be accessed without fees or penalties – and penalties typically cost a few months interest. However, if you do need the money in an emergency, you’ll only lose the interest earned, not any part of your investment.

Understanding Certificates of Deposit

Like all investments, certificates of deposit sound complicated. But don’t let the name convince you CDs aren’t worth their risk – there’s essentially no risk involved! Once you know how CDs work, you’ll see how much of a difference they can make when it comes to your financial goals.

Here’s how CDs earn you more money than a traditional savings account:

1. Compound Interest: The compound interest is how you’ll make money from a certificate of deposit. When you earn interest on your investment, the interest is put into your CD account. Once that’s added, you continue earning interest on both your original investment and that additional cash you’ve earned since making that deposit.

Here’s an example: you invest $10,000 into a two-year certificate of deposit. That CD offers a 3% interest rate that compounds twice a year. After just six months, you’ll earn $150 in interest, bringing your account total to $10,150. At the one year mark, you’ll earn another $152.25 in interest, which brings your total to $10,302.25. Six months later, you’ll earn $154.53 in interest, giving you a total of $10,456.78. At the end of your CD term, you’ll receive one last interest payment, leaving you with $10,613.63.

That’s over $600 made in just two years – and there was nothing you had to do to make that money! In a savings account with the average interest rate of 0.01%, you’d earn just $200 in two years.

2. Annual Percentage Rate (APR): The APR is the interest rate offered by your bank. This rate doesn’t include the money you’ll make from compounding interest. You’ll want to compare APR when choosing between CDs or banks in order to get the highest APR possible.

3. Annual Percentage Yield (APY): The APY is the rate of return you’ll receive on your investment each year. This number does take compounding interest into account.

The more you invest in a CD, the more you’ll earn from interest. However, if you only have a couple hundred dollars to put aside, the interest you’ll earn from a certificate of deposit can still add up fast. Most certificate of deposit terms are typically between 3 months and 5 years in length, and the longer the term, the higher the interest rate typically is. Opt for a higher interest rate and longer term, and you could see your initial investment grow significantly.

How to Choose a Certificate of Deposit

When choosing a certificate of deposit, it’s important to do your research. You want to maximize your earnings, so you’ll want to compare interest rates, term lengths, and even different banks and their requirements. Some CDs have minimum deposits; others require you to invest your money for years.

Be sure to consider your financial goals too. When will you need your money back, and what you need it for? Is the return on your investment most important? Answering these questions will help you determine which CD is right for you. It’s also important to research interest rates so you can be sure you’re getting the highest rate possible.

You don’t have to be experienced in investing to get a certificate of deposit and start growing your money. With an initial deposit and a hassle-free, hands-off investment option like a CD, you can earn hundreds of dollars without worry.

If you’re interested in opening a certificate of deposit, start a search today.

Featured Tip

Want to save more money? Cut out your cable bill. 22 million people have already ditched their cable companies according to Variety.


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The Best Credit Monitoring Services of 2018

Regularly monitoring your credit might seem like a tedious task, but it’s incredibly important. In 2017, a study conducted by Javelin Strategy and Research¹ found that identity theft affected 16.7 million people in the United States. And you could become one of those millions of people in just a few seconds.

When identity theft happens, it can hurt your credit score and ruin you financially. However, beyond identity theft, keeping a close eye on your credit score is important when you want to make a major financial decision like buying a car or a house.

Whether you’re trying to increase your score or protect your identity, a credit monitoring service can make your job easy – and they’ll even monitor your credit for free. A credit monitoring service is an important tool to keep your score safe and thriving, and we’ve rounded up the top choices for 2018.

1. Credit Karma: the Best Free Service

Credit Karma is the best of the best when it comes to credit monitoring services for one big reason: it’s entirely free. You won’t have to enter credit card information or sign up for any limited-time trials; Credit Karma is always free, no exceptions. And Credit Karma is the only truly free credit monitoring service available.

Sign up for Credit Karma and you’ll be able to monitor both your TransUnion and Equifax credit reports any time you’d like. Every time you log in, the site updates your credit score to reflect the most up-to-date information and transactions. Credit Karma monitors your credit, too, alerting you to any changes in your score and any suspicious activity or potential information breaches.

The Benefits:

  • 100 percent free
  • Real-time credit alerts
  • Continuous credit monitoring
  • Includes both TransUnion and Equifax reports

The Drawbacks:

  • Credit Karma’s score may not reflect your actual FICO score
  • No Experian credit score monitoring

2. Experian: the Best Choice for Families

Experian is one of the three major credit bureaus, so it makes sense that one of the biggest credit score players offers one of the best monitoring services. Sign up for Experian’s IdentityWorks credit monitoring service, and you’ll have all three of your credit reports covered. IdentityWorks will provide you with updated credit scores and credit changes while also notifying you of any changes that look like they could be the result of identity theft.

But IdentityWorks doesn’t stop there. The monitoring service also performs Dark Web scans, notifying you if your information is found. The service will also notify you if a sex offender moves into your neighborhood, scans criminal records to see if someone’s using your name to commit crimes, monitors the U.S. Postal Service to see if someone’s opened a new address or account in your name, and alerts you every time your social security number is used. IdentityWorks isn’t free, but Experian does offer a free 30-day trial subscription. You can try the service out and assess its value without paying anything.

The Benefits:

  • Free 30-day trial
  • All 3 credit reports are monitored
  • Real-time monitoring and alerts
  • Dark Web scans and social security number monitoring
  • Can add up to 10 family members to your plan

The Drawbacks:

  • Credit monitoring plans start at $9.99 after the free trial ends
  • Plans can get as expensive as $20 per month, plus extra fees for additional services

3. myFICO: the Most Reliable Choice

The most important number for your credit score is your FICO score – that’s the number major lenders, from home loan providers to banks to car dealerships, use to determine your creditworthiness. Fortunately, you can monitor and protect your FICO score with the myFICO Ultimate 3B credit monitoring service. With instant access to all three of your credit reports, different versions of your credit score for different lenders like mortgage, auto, and credit cards, and quarterly updates, you’ll have all the information you could ever want about your credit.

Sign up for myFICO and you’ll also receive regular alerts any time your credit information changes. If a new account is opened or there’s a new inquiry into your credit, you’ll be the first to know. You can also set up alerts to be notified when collections agencies are involved, your address changes, or account balances change. MyFICO does come with a cost, though: $29.95 per month or $329 if you pay for a full year up front.

The Benefits:

  • Provides your FICO score along with multiple lender-specific scores
  • Alerts any time credit information changes
  • Alerts when impactful credit actions happen, like inquiries or collection agency changes

The Drawbacks:

  • No free trial available
  • Costs over $300 per year
  • Credit scores are updated once once per quarter

Start Monitoring Your Credit Today

Identity fraud is a real threat, and it’s only becoming more common as millions of people are affected every year. A credit monitoring service can keep you and your information safe, catching fraudulent activity by providing credit reports, consumer alerts, and continuous account tracking. If criminals attack your online accounts, it could lower your credit score and make it difficult for you to get a loan approved for a home, a vehicle, and other purchases. Fortunately, when you sign up with a reliable credit monitoring service, you won’t have to worry about these potential crises.

Before you sign up for credit monitoring, research these services and others available thoroughly. You don’t have to pay much – or at all – to keep your information and your credit score safe. It may seem unnecessary today, but safety is always a smart idea. With no-risk free trials, free monitoring services, and easy-to-use options, there’s no better time to start monitoring your credit.

Interested in credit monitoring services? Start a search today.

Featured Tip

Want to save more money? Cut out your cable bill. 22 million people have already ditched their cable companies according to Variety.


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Psychiatric illnesses and some chronic physical illnesses are associated with an increased risk of self-harm and suicide

Last month, the Department of Health published the ‘Closing the Gap’ report, which highlighted the importance of better integration of physical and mental health care at every level.

The report specifically flagged up the need for frontline services to respond better to people who self-harm, and cited statistics that emphasise the cyclical nature of the illness:

Self-harming can be one of the first outward signs of mental illness. It can be, though is not always, the sign of a mental health crisis – particularly when it is severe enough that the person ends up in an Emergency Department. And it is a habit that, once started, is hard to break: it is estimated that 1 in 6 people who require treatment in Emergency Departments due to self-harm will be back again within a year.

New research published last week in the Journal of the Royal Society of Medicine has brought this issue into sharp focus once again, as it concludes that psychiatric illnesses and chronic physical illnesses both carry an increased risk of self-harm and suicide.

The research team from Oxford, led by Professor Michael Goldacre, conducted a number of retrospective cohort studies using a linked dataset of Hospital Episode Statistics (HES) and mortality data from the Office for National Statistics for 1999-2011, in what they claim is the largest study examining chronic illness and self-harm ever published.

The researchers studied a number of different psychiatric or physical conditions and for each they put together a cohort of people who had been seen as a day case or admitted as an inpatient with a diagnosis of that condition. Reference cohorts were constructed (with other people with a range of other medical conditions and injuries) and both cohorts were then followed over time to see how they compared in terms of subsequent day care, inpatient admissions and death from self-harm.

ICD codes were used to identify the ‘risk factor’ conditions and self-harm itself. Patients were excluded if they had a hospital episode for self-harm before, or at the same time as, the admission for depression.

Self-harm rates were expressed as rate ratios (RR), which were worked out by comparing the rate of self-harm (person-time) in the condition cohort with the reference cohort. All RRs were presented with 95% confidence intervals.

  • The mental health conditions all had very high risk of self-harm:
    • ￼Depression 14.1 (14.0 to 14.3) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Bipolar disorder 11.6 (11.3 to 11.9)
    • ￼￼￼￼￼￼￼￼￼￼￼￼Alcohol abuse 8.0 (7.9 to 8.1)
    • ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼Anxiety and neurotic disorders 7.8 (7.7 to 8.0) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Eating disorders 7.5 (7.2 to 7.9) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Schizophrenia 7.2 (7.1 to 7.4) ￼￼￼￼￼￼￼￼
  • Some physical conditions had a high risk of self harm:
    • ￼Epilepsy 2.9 (2.8 to 2.9) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Asthma 1.8 (1.8 to 1.9) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Migraine 1.8 (1.7 to 1.8) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Psoriasis 1.6 (1.5 to 1.7) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Diabetes mellitus 1.6 (1.5 to 1.6) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Eczema 1.4 (1.3 to 1.5) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Inflammatory polyarthropathies 4318 1.4 (1.3 to 1.4) ￼￼
  • ￼Some physical conditions had neither a high nor low high risk of self harm: ￼￼￼￼￼￼￼￼￼
    • Cystic fibrosis 1.0 (0.9 to 1.2) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Coeliac disease 1.0 (1.0 to 1.1) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Crohn’s disease 1.0 (1.0 to 1.1)
    • ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼Spina bifida 1.1 (0.9 to 1.2) ￼￼￼￼￼￼￼￼￼
  • Some physical conditions had a low high risk of self harm:
    • ￼￼￼￼￼￼￼￼￼Cancers 1.0 (0.9 to 1.0) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Congenital heart disease 0.9 (0.8 to 0.9) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Ulcerative colitis 0.8 (0.7 to 0.8) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Sickle cell anaemia 0.7 (0.6 to 0.8) ￼￼￼￼￼￼￼￼￼￼￼￼￼￼￼
    • Down’s syndrome 0.1 (0.1 to 0.2)
  • The total number of observed cases of self-harm for each illness varied quite considerably, from 39,878 for alcohol abuse to just 26 for Down’s syndrome
  • The RRs for self-harm were highest for most illnesses in the 45–64 age group, with some exceptions, e.g.
    • Eating disorders saw a high risk of self-harm in the 25-44 age group
  • Some differences were seen when men and women were analysed separately:
    • There were significantly more female admissions with eating disorders
    • There were significantly more male admissions with substance abuse

The risks of self-harm and suicide, associated with physical illnesses are far lower than those related to psychiatric disorders

The risks of self-harm and suicide, associated with physical illnesses are far lower than those related to psychiatric disorders

The research team concluded:

Psychiatric illnesses carry a greatly increased risk of self-harm as well as of suicide. Many chronic physical illnesses are also associated with an increased risk of both self-harm and suicide. Identifying those at risk will allow provision of appropriate monitoring and support.

In an interview with the Science Media Centre, coauthor of the study Prof Keith Hawton said:

For psychiatric disorders the increase in risk in relative terms, compared with the general population of the same age, is between five and fifteen times higher (depending on the condition) than that in the general population. In absolute terms, considering the years covered by the study, this means an episode of self-harm, at some time, in around 5-10% of all people with one of the psychiatric disorders studied.

For the physical diseases, like asthma or diabetes, the increase in risk compared with the general population is two-fold or less. In absolute terms this means an episode of self-harm in about 1% of the population of these patients.

  • Using population data from English hospitals means that this study will only have found cases of self-harm that resulted in hospital admission or death, and that were identified as intentional self-harm. It is therefore quite likely that cases of suicide and self-harm are under-reported in this study, although this will of course be the same across the reference cohort as well as the condition cohort, so this limitation may not affect the rate ratio comparisons used to report the results.
  • The data relating to physical illnesses was based on patients admitted to hospital for that disease, so it excludes outpatients and people who are well managed and require no admission. This means that the findings of this research may only apply to individuals with physical illnesses severe enough to warrant hospitalisation.
  • This research did not tackle the more complicated questions of comorbid illnesses, e.g. people with diabetes and depression versus people with diabetes without depression. Clearly this is a further level of detail that warrants further study.

This well conducted and reported research provides vital new information to healthcare professionals caring for people with psychiatric and physical illnesses. At-risk patients can now be identified and monitored for the mental distress associated with self-harm and suicide. Clearly, greater integration of physical and mental health care is a prerequisite for this kind of joined up care.

This new research presents extremely useful data to clinicians who care for patients at risk of self-harm and suicide

This new research presents extremely useful data to clinicians who care for patients at risk of self-harm and suicide

If you need help

If you need help and support now and you live in the UK or the Republic of Ireland, please call the Samaritans on 116 123.

If you live elsewhere, we recommend finding a local Crisis Centre on the IASP website.

We also highly recommend that you visit the Connecting with People: Staying Safe resource.

Singhal A, Ross J, Seminog O, Hawton K, and Goldacre MJ. Risk of self-harm and suicide in people with specific psychiatric and physical disorders: comparisons between disorders using English national record linkage. J R Soc Med 0141076814522033, first published on February 13, 2014 as doi:10.1177/0141076814522033 [Abstract]

Closing the gap: priorities for essential change in mental health (PDF). Department of Health, January 2014.

Expert reaction to diabetes, epilepsy, asthma and self-harm. Science Media Centre website, last accessed 13 Feb 2014.

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Directions and Maps

Stora Hästö Island is located near Korppoström, about five kilometres to southwest.
  • Coordinates Euref-Fin (~ WGS84) lat: 60° 03.9455' lon: 21° 32.6402'  ETRS-TM35FIN: N: 6671271 E: 196512
  • Nautical chart series: D
  • Nautical chart: 717, 728, 25

Green color indicates that the land area belongs to the National Park.

The Excursion Harbour

The harbour is approached by heading east from the route crossing Brunskärsfjärd, to the southern shore of the bay on the northwestern side of the island.

  • Harbour number: 846
  • Depth: 1,5 - 3,0 m
  • Anchor
  • Open: west - northwest
  • Notice: It is not allowed to anchor nearby underwater nature trail!

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Photo: Essi Keskinen