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Gross Debt Service Ratio (GDS): 28% 29% 30% 31% 32% 33% 34% 35% 36% 37% 38% 39% 40% 41% 42% 43% 44% 45% 46% 47% 48% 49% 50% 51% 52% 53% 54% 55% 56% 57% 58% 59% 60% 61% 62% 63% 64% 65% 66% 67% 68% 69% 70%
Total Debt Service Ratio (TDS): 36% 37% 38% 39% 40% 41% 42% 43% 44% 45% 46% 47% 48% 49% 50% 51% 52% 53% 54% 55% 56% 57% 58% 59% 60% 61% 62% 63% 64% 65% 66% 67% 68% 69% 70%
A short clip recorded by BT during Bali Prewedding.. get too excited with Stephen’s d3 with 70-200 f2.8 GOD lens. lol
Yes, this is a dream to me, I daydream a lot and let me share with you a few of my dreams here. I always dream of creating a website to record every moments of my life and share with my kiddo when their grow up one day and also dream about carrying my cameras and travel around the world, see the world thru my eye,yes, I love travel, it is my ultimate dream to travel around the world, learning thru travel is the best dream I ever have. Dream is an initial point to me. It help me to look at what I really want in my life. As Malaysia Wedding Photographer with international wedding photography membership (WPJA, AGWPJA, WPPI & PPA), I started my photography passion at the end of year 2007. Like most of the beginners, I was purely having fun with my DSLR capturing my family members portraits and events. After attend the talk by one of the master wedding photographer, it change my whole world. I was so touched by the slideshow shown on the projector for the showcase of prewedding and church wedding, the touching moments, the dramatic angles, all these impact was so strong that it hit direct into my heart and awake my passion towards wedding photography. From there onwards, I have focus all my passion on wedding photography and never feel more satisfied when I capture the moments for couple which last for a life time. Whenever I imagine the couple looking back those photos captured by me in ten, fifteen years from now and think, "yeah, that was the moments" "look, how silly you was!" "oh, I cried when I first saw you walks down the aisle i", "yes, I remember what your dad told me that day when he placed your hand in my right hand from his arm after walks down the aisle".. all these keep my heart warm and keep me going on & on for this long path without a single regret or tiredness ...
It's important to take care of your teeth consistently. This will allow you to enjoy the best dental health possible and is the key to having a higher quality of life. This means you should take the time to visit your dental provider at least twice a year for optimal results. It's critical to find the ideal dentist and knowing tips to help you do so is certain to be helpful.
Taking time to meet with the dentist is one of the best ways to know if this is the right provider for you. Doing this will allow you to ask questions and get an accurate response.
It can be hard to find a new dentist that you feel comfortable with and taking time to ensure you do is one of the top ways to ease your anxiety during this process. Once begin to have a conversation with this with this professional it will be much easier to know if you can communicate well.
The last thing you'll want to do is have to drive all over town to get to the dental office. This is especially true if you need to have a lot of work done.
Taking time to find a dental provider that isn't too far from your home can be ideal. Doing so can help reduce the amount of traffic you have to deal with, and this can be extremely helpful when you're already stressed out about your appointment. The less you have to worry about the day of your appointment the better!
It's not too challenging to find the right dental provider but doing so will require the right amount of effort and time on your part. Simply be proactive and know what to do before enlisting the help of a dental professional in your area. Once you find the ideal dentist, it's ideal to schedule your appointment to get the necessary amount of work done!
Since childhood, I’ve been an avid teeth brusher. I’ve always tried to brush my pearly whites at least twice each day. However, my flossing routine was nonexistent until a few years ago. Winding a string of floss around my fingers in order to clean between my teeth was not a skill that I possessed. Unfortunately, my lack of flossing led to a treatable form of periodontal disease. When I was diagnosed with this problem, my trusted dentist provided me with a handy stick with attachable floss. Since that day, I have utilized this ingenious piece of equipment almost every night. For my small mouth, this stick works much better than traditional string floss. On this blog you will discover the different ways to floss. Start protecting your teeth today!