Answers to questions from A sedevacantist (4:02)

PART 3: CONTENTS www.youtube.com: Question 11: Where are all the problems are outside, if not due to the vacancy of the Apostolic See or the domain of an anti-pope? (0:04) Question 12: Who has the legitimate power to solve this doctrine, liturgy and discipline problems? Why do not you? (0:47) Question 13: is the Holy Spirit use Protestant churches as a means of salvation? (1:48) Question 14: The salvation of the Jews in a receive location without conversion? (2:37)Question 15: the Old Covenant is still valid? (3:32) Question 16: Eastern schismatics are sacred? (6:31) Question 17: Eastern schismatics "real legitimate pastors and shepherds of the Church of Christ? (7:11) Question 18: they are appreciated? (7:54) Question 19: Do you have a mission of Christ to teach, govern and sanctify the souls? (8:05) Question 20: Muslims in the way of salvation without conversion prior to the Catholic faith? Are (8:18) Sources: 1 "Many baptized heretichave been in their false beliefs. Your case is very different from those who have voluntarily surrendered to the faith. They accept what they believe to be divine revelation. As such belong to the Church in desire, because they strive to fulfill God's will and heart to them. By virtue of their baptism and good will may be in a state of grace. They belong to the mind of the Church, even if they are not united to the visible body. As such they areMembers …

http://www.youtube.com/watch?v=7CYugqTg2-U&hl=en

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Filed under Teaching Vacancy Videos : Comments (0) : Jun 11th, 2010

reach cover letter formats – Tips and advice on how to create an Awesome Cover letter format and work!

There are different formats that cover letter. However, there are general themes that are taken into account when writing a letter. Do not forget why he / she writes what he has and how he / she will follow.

The reason for writing is always clear. Often it is seeking employment by a company or a job application. The contents of this paragraph in relation to its environment as a response to a vacancy. The writer tells us where it came fromthe vacancy, the position he is applying as an expression of interest in the work to get to. The aim is also mentioned in this part.

The second is that the writer can offer the reader refers to. For example, a response to an advertisement, the authors of their qualifications and experience that adapts to the work, he / she is doing for the application. Illustration of their capabilities and skills and the potential to meet the expressedThe responsibility is given attention and emphasis of this part.

The last part deals with more information on the procedures for initial or follow-up. After the writer had an interest in the work request or comment, of course, should he / she does not remember how the reader or the company should be able to reach him forget / her. Often the phone number and / or email address listed here. But for those who are eager and aggressive enough to get the job, someBid directly for interview or call for a follow-up to set and appointment.

Remember that the letter sizes are important when creating a letter. As such, each letter must be preserved and that information is organized in a material form and expressed in a way that will not make the reader bored or tired. Instead, the reader should be able to keep the reader's interest from beginning to end of the letter.

Besides those already mentioned, the writer must alsoable to follow the general pattern of a cover letter. Of course, contains the date, the recipient that includes the title / position or office, the greeting that usually begins with love, then the body and, finally, the final formula.

Letter sizes are important. But the standard should be even more important. Even a professional from a job application, the writer to his letter to look professional and polite. Punctuation and grammar shouldreviewed.

We must not forget that there are companies that have their own format for the cover letter and is a part of the requirements for applicants. And 'because they are easy to identify the letter of content you want to have this format, which specifies That should be a writer.

The letters are not only to give the reason for writing the letter. In fact, it serves as the facade of having everything. Basically there are documents that should be includedindicated in the letter, or at least in points after the final formula, the word "all." that is residential property, followed by the names and types of documents.

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Filed under Teaching Vacancy Articles : Comments (0) : Jun 10th, 2010

best canicule of your activity (booth;brennan;rebecca) AU

watch in HD! (READ PLEASE!) ____________________________________ ALL DETAILS AT END OF VIDEO!! ADD/SUBCRIBE TO BACKUP! www.youtube.com OMG i uploaded this video like 3 times! i really hope you guys love it xD _______________________ the storyline is pretty simple; booth and brennan were dating, and but one day brennan called booth, and rebeccca accidentally picked up the phone, and she found out he was cheating on her… haaaa sorry guys! not the storyline you WANT to happen, but this song is just to good to do :) and if you don’t want to watch this..THEN DON’T!! don’t watch it and be like “omg wtf? are you serious this is NEVER going to happen!” because you’ll be the idiot who watched it in the first place, with the title RIGHT in front of YOU! duuuuuuuuuuh! xD its a pretty fast video, with alot of fast beats, but without beats i’ll just DIE! haha well i’ll stop being mean now ;) enjoy B/B fans!!! ______________________ “Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.”

http://www.youtube.com/watch?v=H4yCZR-9Bls&hl=en

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Filed under Teaching Vacancy Videos : Comments (0) : Jun 9th, 2010

[silentc0re Guide Competition 2010] – [iDevilDriver] – Cockroach Soldiers P2P Guide w/ Commentary

I’m entering this guide into Silentc0re’s video competition which you can find here: www.youtube.com Wish me luck :p Here it is, my first ever commentary. Please don’t be too harsh.. I was very tired when I recorded the commentary and my allergies are killing me so my voice may sound a little wierd lol. This is just a guide that will walk you through everything you need to know about Cockroach Soldiers and how to kill them. Cockroach Soldiers F2P Guide coming soon.. probably next week because I am going away this weekend and will not have time to record everything for it and put it together. :: Table of Contents :: 0:00 – Introduction 1:11 – Cockroach Soldier Background Information 2:05 – Possible Drops/Loot 2:46 – Recommended Equipment 3:03 – Alternative Equipment 3:26 – Other Recommendations 4:00 – How To Get To Cockroach Soldiers 4:40 – First Location 5:00 – Second Location 5:35 – Third Location 5:58 – Fourth Location 6:12 – Alternative Way To Get To Cockroach Soldiers 6:34 – Strategy/Approach 7:16 – Benefits 7:40 – Experience Per Hour 8:22 – Example of Loot From One Trip 8:50 – Summary/Conclusion I’m going to continue to do commentaries now considering it’s the most popular way that guides are made now, and I think it’ll put a little spin on my guides. Watch in HD & Full Screen! Any questions/comments/etc., feel free to PM me on RS (iDevilDriver), join my CC, or leave a comment on my page. Please comment, rate, and subscribe if you liked this! I have many more vids to …

http://www.youtube.com/watch?v=HRjM-ULe-3U&hl=en

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Filed under Teaching Vacancy Videos : Comments (0) : Jun 8th, 2010

Davos Annual Meeting 2010 – The US Legislative Agenda: A Global Perspective

www.weforum.org 30.01.2010 The Obama Administration is relying on the US Congress to deliver an ambitious agenda focusing on financial regulation, healthcare, energy and employment. What are the global implications of implementing the 2010 legislative agenda? Discussion Leaders Brian Baird, Congressman from Washington (Democrat), 3rd District, USA Susan M. Collins, Senator from Maine (Republican), USA Barney Frank, Congressman from Massachusetts (Democrat), 4th District; Chairman, Financial Services Committee, USA Lindsey O. Graham, Senator from South Carolina (Republican), USA Edward J. Markey, Congressman from Massachusetts (Democrat), 7th District, Chairman, Select Committee on Energy Independence and Global Warming, USA Moderated by Michael Oreskes, Senior Managing Editor, Associated Press (AP), USA

http://www.youtube.com/watch?v=sXf17y1hSws&hl=en

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Filed under Teaching Vacancy Videos : Comments (0) : Jun 6th, 2010

Note Brokering of Defaulted Mortgages and "Turnkey Investment Programs" – NOT?

Warning – this is a memo on the Art of Note Brokering. It was prompted by a note broker friend of mine who recently sent me a one-line update on what he had available for me: “Turnkey investment – Newly rehabbed middleclass homes (former REOs) with large equity positions, leased, and positive cash flow in a market beginning to rebound.” I think you achieve Jadedness levels of ‘10′ when those kinds of deals make me go “hmmm, wonder what’s under the covers on this one.”

What was coincidental was that earlier the same day that I received this email, I’d just read a notice from someone else advertising an “amazing turnkey investment program”.

So, being the perennial tester, I decided to run some numbers to try to figure out what kinds of “deals” these could be. I cobbled together some logical assumptions in order to see if I could understand it.

Back-of-the-Envelope Calculations

$100,000 purchase

20% Down Payment

2% Closing Costs

22% or $22,000 – Down Payment plus Closing Costs

10% or $10,000 of Down Payment rebated at close (one common way to rebate this would be to have the purchase price “inflated” by $10,000, so now you have a $100,000 transaction, in which the seller accepts $90,000 and the remaining $10,000 is funneled to the buyer outside of escrow – often doesn’t show up on the HUD, which is questionable practice – there are other ways but this is a common one)

$12,000 Cash out-of-pocket

Reason for the FICO requirement is that obviously the “investor” is qualifying for a loan, most likely brokered by the “seller” or a company related to the seller (wonder how many points they charge out of curiosity).

Assume a 6.50% rate on an 80% 1st mortgage – it’s an $80,000 loan. Now, here’s the tricky part – what KIND of loan are these guys putting the buyer into – hopefully it’s full doc fixed rate financing (cautious and reasonable – look at default rates on fixed v variable rate financing and there’s more than a slight skew towards ARMs). Chances are it’s an ARM with an IO payment to minimize the financing cash flows. But let’s give everyone the benefit of the doubt and say that it’s fixed at 6.50%.

So now, what you’re looking at is a monthly of $514 (assuming 30-year amortization – though these guys probably push for 40), not including taxes and insurance (do they include T&I payments, and do they escrow for those when they’re setting you up as the buyer?). Taxes, let’s assume for simplicity, would be 1% of acquisition, so that’s $83/month, and insurance could be another $20 or so, so that’s about $617/month.

But wait. Since I’m not really managing my rent, there must be someone who’s being paid a property management fee, right? Well those fees can typically be 10% of the collected rents.

Now then, let’s define “positive cash flow”. The fact that this investment strategy is marketing “positive cash flow” rather than yield, the way an enlightened investor would think (I’m showing my bias here, and why understanding returns is crucial to your success as an investor in my opinion), means that this investment is most likely throwing off a few dollars, rather than a juicy spread.

So to be positively cash-flowing on this property, you need to be bringing in something north of $650 or so/month. So net of a property management fee of 10%, that would mean rents of $722.

But wait! Just to play it safe, since that’s the type of investment strategy being proposed here (a “safe” alternative to your market chaos), then we should probably build in a vacancy rate of maybe 1 month every 2 years. So that’s a 4.2% vacancy rate.

OK, so I discount my rent down by 4.2% – call it 4%, so that means I have to get rents of $752 / month. In certain markets I’m sure 1-bedrooms or 2-bedrooms can fetch that kind of money, easily. And in some others, I’m sure that that’s pretty tough to do. But this should be, by my very simplified calculations, what the rent should be in order to support a “positive cash flow” claim.

A Note on Rental Predictions

The challenges with these REO plays is that you’re not quite sure what the rental market is doing where Foreclosure volume’s pretty high. We’re seeing tenancy rates drop, leading to rental drops, in certain markets (completely counter-intuitive here), because some people move in with family, and because continued Foreclosure volumes lead to an increase in REO inventory whose only buyers are investors seeking what … rentals. Therefore, rents are staying soft in certain markets.

So the “guarantees” of cash flow in these investment strategies are iffy – the only way to make them “solid” is to actually have lease agreements already signed. Could well be, I’m just pointing out one risk to the cash-flow model.

And then, what really intrigued me in the email I received from this company selling the “Turnkey Investment Strategy” was something they termed a “guaranteed buy out” where you can get 1/2 the appreciation. Interesting. So the seller’s really selling a put option on the property. So it would be really interesting to read the language of that “guarantee” and what you’re being “guaranteed”. If I were to hazard a guess I’d say that there’s no strike price being locked in with that put, but rather a time frame (e.g. we’ll but it back in 24 months), and a notional cost to the option (and we’ll give you 1/2 the appreciation). So if there’s no appreciation (the forecast for price growth over the next three years according to Zandi over at Economy.com is flat over the next 3 years), then are they saying they’ll buy it back at cost? And if there is appreciation, then you’re essentially signing something now that costs the Seller nothing, and gives them 1/2 of some future “upside”. Wow. What a deal. For them. It’s only a deal for you if the future buyback price is actually defined now. More than likely, it’s some funky equation to the Seller’s benefit.

Me, skeptical?

What it sounds like to me is a deal to take market value of an REO ($90,000), inflate it by 10% and get a lender to finance that incremental price to facilitate a cash-back (potentially illegal) to buyer situation, with a claim that “rent will cover the mortgage payments” but perhaps on a loan that’s an Interest Only loan, and on a loan that doesn’t escrow for taxes and insurance.

That alone worries me.

The further claim of guaranteed buyback strikes me a great little scheme altogether. No one in their right minds guarantees anything – not in this market, not in any market. So what’s happening there is that you’re being invited to “part” with 1/2 of your future gain in some fashion, and potentially still be on the loan (or there’d be some other Credit Buyer Sucker lined up to take you out).

So my question to all Brokers out there: do you know exactly what you’re pitching? Have you seen the numbers?

Because if you don’t know the structure or the numbers inside and out, then you’re part of the problem rather than the solution.

THE BEST BROKERS HAVE ALL WALKED THEIR TALK. If it’s such a good deal, why wouldn’t you do up to 4 of these yourself?

You may know all of this, and I’m just preaching to my keyboard. And that’s fine.

But if you don’t, do yourself a favor and learn the intimate details of what you’re brokering so that you can inform and educate your buyers.

For a lesson on excellent note brokering:

We had Steve Cohen at Nautilus revealing his skills and his trade: We had a Question and Answer session with him as part of our Private Access Club Webinars.

Here is one of the main take-always from Steve, a top Note Broker:

A Good Note Broker sees Things that are Unrealistic in a Trade.

A good broker is like a good waiter or waitress. Imagine walking into a fine restaurant (you’re an investor looking for deals), and you are seated and given the menu. Your waiter comes up (”brokering” food to you – helping you to choose if you need help) and you ask him “What can you tell me about the duck?”

And your waiter looks at you dumbly and says: “Ummm, well I don’t know, sir, I’ve never tried it.”

Dumbwaiters are a relic from the past.

Help ensure that dumb note brokers become a thing of the past too.

So let me leave you with a parting note: even if you broker only a single note, you owe it to yourself to know what to look for in what you’re brokering.

If you haven’t invested in yourself and your own knowledge, how will you ever come across to your buyers as a trusted and knowledgeable Note Broker Source?

If people don’t take the time to educate themselves about notes, they’re bound to fail as a note broker.

I’ve seen many brokers fail.

The only ones that survive are those that really understand the business.

There are very few products out there teaching anyone what bank paper, let alone non-performing bank paper, actually is, and what to do with it.

And if you don’t take advantage of drawing on my knowledge of the business, organized into an easy-to-digest and comprehensive 16-hour Note Buying training course where I take you from Start to Finish on note deal after note deal, using “live” deals from my own portfolio, then you’re missing the point about the brokerage business altogether, and you’ll be one of the “Ugly” brokers out there.

You don’t want to be chasing buyers and sellers your whole life.

If you are a Note Broker, you want to close a trade.

For that, you want ’sticky’ relationships, where sticky isn’t just defined as how many deals you do with someone, but rather, how much VALUE you bring to your Buyers and your Sellers.

The more you bring, the more you get paid.

It’s as simple as that.

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Filed under Teaching Vacancy Articles : Comments (0) : Jun 5th, 2010

Highlights from the 179th Annual General Conference – April 2009

British Latter-day Saints Channel – UK LDS TV – www.youtube.com

http://www.youtube.com/watch?v=FDzldpZJi4A&hl=en

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Filed under Teaching Vacancy Videos : Comments (0) : Jun 4th, 2010

Writing A Teacher Cover Letter That’s In A Class Of Its Own

When a teaching vacancy is advertised, it may elicit hundreds of responses from well qualified candidates with a keen interest in the position. That’s why it’s so important to write a cover letter that instantly commands attention and persuades the recipient to give your resume the attention it deserves.

Cover letters in the teaching profession usually follow the same fundamental principles that apply to most other career fields:

convey a professional image in the style and appearance of your letter
make sure to put your name, address and contact telephone number in the letter as well as on the resume
address the recipient by name in the opening
identify the position for which you are applying
offer compelling but succinct content that highlights your most significant skills, experience and training
request an interview in a strong closing paragraph that emphasizes your interest in the position

It’s very important to address the superintendent, principal or other hiring representative by name in your salutation. Everyone will be aware that you’re probably making several applications for different jobs — but personalizing each letter is further indication of your specific enthusiasm for a vacancy.

You can take this targeted approach further by matching relevant features of your teaching history to the requirements of a position. You’ll have ample scope to focus on key skills in your resume, of course — and as part of your job application you may be asked to complete a form which includes space for a personal statement. You’ll also probably have time to expand on your educational philosophy in an interview. But a short, one page cover letter will give you the opportunity to focus on points that make you a persuasive candidate to interview.

These questions may help you to decide what aspects of your application are most likely to impress:

do you have qualifications that make you particularly well-suited?
have you undertaken relevant courses or training as part of your on-going professional development?
do you have experience working with children in grades or age ranges that relate to the post?
are you experienced in teaching students of different abilities?
what general curriculum skills can you offer alongside your expertise in your specialist subject?
do you have experience in curriculum planning or development?
do you have extra-curricular interests or experience that might be valuable?

You can communicate detail to a busy reader quickly by laying out key information in bullet points. Try drafting your letter in different formats to help you assess its legibility.

As a final check, don’t forget to proofread hard copy of your letter (and resume) for mistakes of spelling or grammar — you’re a teacher, after all!

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Filed under Teaching Vacancy Articles : Comments (0) : Jun 3rd, 2010

Abub 11 Shatterplay TR Shadowpriest PvP allotment 1

Authors comments: “Shatterplay vs top teams on tr. Every one is always asking for good footage and every clip in this video is against a known player(except for the mirror match). People think rls is the best comp on tr but im here to show you that shatterplay can compete when played the right way. I tried to make this enjoyable for every one by using vent for most clips and then taking vent out and pumping up the music for some. I know the music is really low when the clips with vent are playing simply because my voice along with the shamans was really low and the mages was very high, so i did the best i could with it. I will also be uploading a version of this video with no vent and just music if that is what you prefer and you will be able to download it. Priest- Abubadub Mage- Searz Shaman- Staz Track list in order As I lay dying- Vacancy Mt eden- When will the storm begin As I lay dying- Parallels Parkway drive- Gimme AD Parkway drive- Horizons Plz vote for spotlight and skill point as well :D ” “Copyright Disclaimer Under Section 107 of the Copyright Act 1976, allowance is made for “fair use” for purposes such as criticism, comment, news reporting, teaching, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favor of fair use.”

http://www.youtube.com/watch?v=NYSjmTQSEHE&hl=en

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Filed under Teaching Vacancy Videos : Comments (0) : Jun 2nd, 2010

MacDowell – First Modern Suite; Praeludium

First Modern Suite Op. 10 (1883) James Barbagallo, piano Quoted from John F. Porte’s “Edward MacDowell: A Great American Tone Poet, His Life and Music”: “The first public performance of this suite was secured by Liszt, whom MacDowell had interviewed and who was entrusted with the making up of the programmes of the General Society of German Musicians at the time. It was on Liszt’s recommendation, too, that this suite and its successor, the Second Modern Suite, were published by Breitkopf and Härtel at Leipzig.” Edward MacDowell (1861-1908) was born in America, but his musical education was formed abroad. He studied piano at the Paris Conservatory where he was a classmate of Debussy. MacDowell later moved to Germany to study piano and composition and met some of the star European composers of the day, including Liszt. Through Liszt, MacDowell met Joachim Raff and became his pupil. In 1888, MacDowell returned to America and concertized as a pianist, which led to his being recognized as one of the great emerging American musicians. His status as an American composer also rose dramatically after he published numerous orchestral and piano works. When a teaching vacancy opened at the new music department of Columbia University in 1896, MacDowell was offered the post, which he promptly accepted. He became the first professor of music at Columbia and taught there for a number of years. In the last four years of his life, MacDowell suffered from a brain disease and his …

http://www.youtube.com/watch?v=fFhier0reJk&hl=en

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Filed under Teaching Vacancy Videos : Comments (0) : Jun 1st, 2010

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