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The Location
ARDNAMURCHAN is the most western point of mainland Scotland. It is a peninsula (meaning "almost an island") between Mull and Skye, enjoying magical views, hidden bays, sunsets over the sea and the relaxing air of the Hebrides ... remote but never cut off.
At Ockle, on the north coast of Ardnamurchan, we have three self catering cottages.
All are modernised croft houses with Scottish Tourist Board grading.
Burnside has two bedrooms upstairs and comfortably sleeps four people; a kitchen/dining room, bathroom and lounge are on the ground floor.
Sruthan Ruadh has a twin-bedded ground floor bedroom, with two further bedrooms (one en-suite) upstairs; this cottage can accommodate six.
Tigh Dochie is a small secluded bungalow surrounded by a pretty garden; kitchen & utility room, bathroom, lounge/dining room and two bedrooms makes this a very practical unit for four.
To check availability, to make a booking,
or request more information:
email : firstname.lastname@example.com
tel./fax: 01972 510321


text: Share: Comments Print October 28, 2014 at 7:33 PM Marysville cops: Research before donating to funds for victims Posted by Paige Cornwell Officials are urging those hoping to contribute to funds set up for Marysville-Pilchuck High School shooting victims to exercise caution and do basic research before donating money. There have been a number of special funds set up in the names of the victims of Friday's shooting, and the growing number means there may be the potential for scams, according to the Marysville Police Department. Opportunistic individuals may "prey on the sympathies of those who want to contribute financially to funds set up for victims and their families," the police department said. The department has not identified any suspicious funds, but is reminding the public to be cautious. Pages set up on online crowdfunding sites are not verified, so there is no way to know whether the donated money will go toward a fund's intended source. "We are not making a judgment on the validity of any of the funds that have been established in the names of victims," police spokesman Cmdr. Robb Lamoureux said. "We're simply reminding donors to be very cautious and to do some basic research, before contributing to them. We want to be very certain the generosity of our community members is not taken advantage of, and just as importantly, we want their donations to make it to the victims and their families." The Marysville Rotary Club and Heritage Bank have set up a fund to aid the shooting victims, the police department said. A committee of representatives from the Marysville School District, city of Marysville and Marysville Rotary Foundation will be established to disperse funds. Heritage Bank is located at 1031 State Ave., in Marysville. Donations may be sent in care of the Marysville Rotary Education Foundation at P.O. Box 1875, Marysville, WA., 98270. More information is available by calling 360-657-3100. Comments | More in | Topics: Marysville Police Department, Marysville shooting

subset: commoncrawl


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From April 2012, the maximum grant limit for Your Heritage applications is increasing form £50,000 to £100,000.
The maximum grant limit for Young Roots applications is also increasing from £25,000 to £50,000. Young Roots projects can last up to two years (up from 18 months) and the age range widened to include young people from 11 - 25 years old (previously started at 13 years old).
Also from April 2012, HLF will make decisions on Your Heritage and Young Roots applications at bi-monthly meetings. A full list on submission deadlines and decision meetings can be found on the following web page: http://www.hlf.org.uk/
inyourarea/Wales/Pages/ SmallGrantsSubmissiondeadlines anddecisiondates.aspx
As always, if you have an idea for a heritage project HLF encourages seeking pre-application advice using the on-line portal.


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Mark 2:1-12 Healing of the Paralytic
Homily Notes for 7th Sunday Ordinary Time - February 22nd, 2009
From reading Cornelius a Lapide
-- note the great faith, hope and devotion in Christ expressed by those who carry the paralytic to him: the text is explicit about Jesus noticing their faith and are responding to it
-- it is not explicit whether the paralytic himself is included as one of the possessors of the faith... but it is very possible that he himself desired to be carried to Jesus... St. John Chrysostom and others have said that he would not have heard the words ofĀ pardon had not he himself had faith
-- the faith is a belief in miracles, and particularly in the possibility of this miracle
-- Psalm 81:10Ā "Open your mouth wide, and I will fill it."; opening the mouth is parallel to all the work done to bring the paralytic to Jesus
-- note how he calls him a child/son who has been forgiven by God's grace
-- note the triple miracle: reading the minds of those who were murmuring against him; healing the paralytic; proving and demonstrating by this physical healing that he had the power for the spiritual healing of forgiveness of sins
Ā-- the perpetual and obstinate error of the religious leaders was to think Jesus to be only a man... and so they called his forgiveness of sins blasphemy, because he appropriated in their mind what belonged to God alone
-- Jesus is the knower of hearts, proven by the fact that he knew what they were saying in their hearts... and this knowledge of hearts also belongs to God alone
Ā-- St. Jerome: Et quodammodo tacens, loquitur: Eadem potentia et majestate, qua cogitationes vestras intueor, possum et hominibus peccata dimittere...Ā "One speaks in a certain way while being silent: With the very same power and majesty with which I intuit your thoughts, I can also absolve men of sins."
-- of itself forgiving sins is more difficult than healing the paralytic, even more difficult than creating heaven and earth... nothing is more contrary to God than sin... the remission of sins is of a higher order than the natural order, since it is of the order supernatural of grace
-- note the title "Son of Man", showing that he remits sin, not only as God by his omnipotence, but also as a man authoritatively and meritoriously
-- the title "Son of Man" reflects the Divine being mentioned in the book Daniel, yet also emphasizes the human side of Jesus... one might say the divinity and humanity are combined in this title
-- the excellent power of Christ consists in four aspects: the merit and power of his passion operates in the sacraments; in his name the sacraments are sanctified; he who gave power to the sacraments can institute them; the effect of the sacraments (here the remission of sins and grace given) he can confer without sacrament (unlike any other man, who must go through the sacraments, since God made them necessary by command)
-- the paralytic picks up his mat at once, because what he is commanded by Christ is empowered by Christ
-- picking up his mat helps to show how complete the healing was
-- in a similar manner St. Bernard cured with the sign of the cross a paralytic for whom the King of France was interceding
-- tropological/moral application: the paralysis is any vice of the soul, but especially pleasure of the flesh, out of which is born acedia, which lays the soul down and makes it unable to raise itself to virtue, to God, to Heaven... those who carry the soul which is paralyzed are pastors, preachers, confessors, etc.... praying that Jesus will restore the soul to the capacity of spiritual things
-- the confessional helps one realize where he has been paralyzed and prostrate
-- anagogical/heavenly meaning: there is an echo of Psalm 122:1Ā "I was glad when they said to me, "Let us go to the house of the LORD!"" It refers to taking up your glorified body and walking into the heavenly mansion
Catechism of the Catholic Church
1421ĀThe Lord Jesus Christ, physician of our souls and bodies, who forgave the sins of the paralytic and restored him to bodily health,3 has willed that his Church continue, in the power of the Holy Spirit, his work of healing and salvation, even among her own members. This is the purpose of the two sacraments of healing: the sacrament of Penance and the sacrament of Anointing of the Sick.
3 Mk 2:1-12.
1428ĀChrist's call to conversion continues to resound in the lives of Christians. This second conversion is an uninterrupted task for the whole Church who, "clasping sinners to her bosom, [is] at once holy and always in need of purification, [and] follows constantly the path of penance and renewal."18 This endeavor of conversion is not just aĀhuman work. It is the movement of a "contrite heart," drawn and moved by grace to respond to the merciful love of God who loved usĀfirst.19
18Ā Lumen Gentium 8.3.
19Ā Ps 51:17; cf. Jn 6:44; 12:32; 1Jn 4:10.
1452ĀWhen it arises from a love by which God is loved above allĀelse, contrition is called "perfect" (contrition of charity). Such contrition remits venial sins; it also obtains forgiveness of mortal sins if it includes the firm resolution to have recourse to sacramental confession as soon as possible.51
51 Cf. Council of Trent (1551): DS 1676.
1453ĀThe contrition called "imperfect" (or "attrition") is also a gift of God, a prompting of the Holy Spirit. It is born of the consideration of sin's ugliness or the fear of eternal damnation and the other penalties threatening the sinner (contrition of fear). Such a stirring of conscience can initiate an interior process which, under the prompting of grace, will be brought to completion by sacramental
absolution. By itself however, imperfect contrition cannot obtain the forgiveness of grave sins, but it disposes one to obtain forgiveness in the sacrament of Penance.52
52Ā Cf. Council of Trent (1551): DS 1678; 1705.
Points to Ponder
-- Do I want to help others get to Jesus for healing, spiritual and physical?
-- Do I appreciate enough those who try to bring me (more closely) to Jesus, especially those who are willing to correct me and point out my sin?
-- Is there in me due wonder in response to the fact that God -- in creating in me a new heart -- is actually doing something harder than creating or healing the material world?
-- Have I thought fully enough about the meaning of, "Who but God can forgive sins?"
-- Do I realize the need for God's grace even in order to have true contrition?
-- Have I considered the dynamic of Divine Love that both forgives my sin, but also makes up for what is lacking in my contrition, confirms and completes my sorrow? Love heals the breach I have caused with Love.
Ā-- Do I understand, then, how the Sacrament of Penance is necessary by both command and by nature?


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On day one, Nasscom's flagship summit, the India Leadership Forum, reverberated with chatter about the future of technology services. Executives from the Indian information technology industry's lobby fancifully called it "Imagineering the future". That future is about six major disruptive technologies and the convergence of these. The six technologies are embedded systems, augmented reality, mobility, social media, cloud computing and big data.
Nasscom released a report by advisory company KPMG on new technology trends that could provide incremental dollar revenue opportunities for India's $75 billion IT services industry by 2020. The report said that the global market for Cloud Computing will grow from $109 billion in 2012 to $206.6 billion in 2016. Big data would grow from $5.4 billion to $48 billion over the same period. Indian IT would require a workforce trained in these areas. There is a shortage of data scientists - people who can crunch and analyse big data - in the country.
While Indian IT services companies have made the right moves in the identified technology areas, revenue momentum can take time, said TCS CEO N. Chandrasekaran, speaking to scribes on the sidelines of the summit. "The combination of mobility, cloud and analytics are creating new business models. The consumer front-end and the enterprise-front end are merging," he said. Chandrasekaran is also the current Nasscom Chairman.
Employees of global corporations increasingly want to access official data through mobile devices such as tablets. And enterprises will have to create app-like services for their customers. All these will translate into more opportunities for India's IT industry. What do these disruptions mean for Indian IT's traditional business: application development maintenance services? "The core will remain for a long time," said Chandrasekaran. "However, things like expense management can be an app in the cloud. It need not be custom-built."
Today's conference also delved into whether Indian IT was adding value beyond costs. If the industry can make an impact in the six new technology areas over the next few years, it can confidently say there is a play beyond the old cost arbitrage game.


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Aug. 20, 2001
Click here to listen to head coach Jerry Smith talk about seven former players taking part in the WUSA title game.
Seven former Santa Clara University women's soccer standouts will take part in the inaugural Women's United Soccer Association Championship match this Saturday, August 25, making the Broncos the most represented collegiate program in the title contest.
The event will take place at Foxboro Stadium in Foxboro, Mass., and will be televised live nationally on TNT at 11 a.m. pacific time.
The league's first Championship will feature the Bay Area CyberRays and a Bronco foursome of Brandi Chastain '91, Megan Horvath '01, Jacqui Little '00, and Lisa Na�ez '99, taking on the Atlanta Beat, featuring former SCU players Kylie Bivens '99, Nikki Serlenga '99 and Dayna Smith '96.
North Carolina State is second with five players, while Clemson, Nebraska, North Carolina, Notre Dame, Southern Methodist and Texas A&M will have two players each
"I'm very proud that we have seven players representing the two teams in the inaugural championship," Santa Clara head coach Jerry Smith said. "I think it speaks well for our program that we are developing our players in the right way. They're moving on from their college experience well prepared to help their team at the next level. Win or lose, I think our players will help their team have a successful game. They represent themselves and Santa Clara very well and we wish them the best of luck in the final."
Smith, who coached all 14 of the Broncos that participated in the WUSA this season, led Bivens, Horvath, Little, Na�ez and Serlenga on the 1999 SCU squad that went undefeated during the regular season and reached the NCAA College Cup.
Santa Clara University the second-most represented Division I program in the league during the regular season, behind North Carolina's 19, but had a league leading nine former players participating in last weekend's semifinals, including Philadelphia's Mandy Clemens '91 who posted a goal and an assist in the playoffs and New York's Jennifer Lalor '97, who also added a goal in her team's losing effort.
To round out the Santa Clara contingent is the San Diego Spirit duo of Erin Martinez '97 and Kim Pickup '00, while last year's West Coast Conference Player of the Year Heather Aldama '01 was a starter with the Boston Breakers. Emmy Barr '96 of the Washington Freedom and the Carolina Courage's Mikka Hansen '97 were also key contributors this season.
Athletes Playing in this weekend's WUSA Title Game, by School
|Santa Clara
|North Carolina State
|North Carolina
|Notre Dame
|Southern Methodist
|Texas A&M


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Keeping Food Down during the First Trimester
Some women are unable to gain the amount of weight they need because they vomit or feel nauseated whenever they eat. And if you're not gaining weight as you're supposed to, your healthcare provider may ask you to stop exercising until you begin to gain weight normally.
Although nausea and vomiting are usually limited to the first trimester and tend to occur only in the morning, note the two following not-so-usual characteristics of so-called morning sickness:
- Nausea and vomiting can occur at any time of the day. In fact, some women feel best in the morning and can't tolerate foods at other times of the day.
- For some women, this period of sickness extends beyond the first trimester.
If you're experiencing sickness in the morning or any time of day, try the following tips:
- Eat several small meals throughout the day and have a snack just before bed. If you get too hungry (for example, after going 12 hours between dinner and breakfast), your nausea will likely become unbearable.
- Keep crackers or another nonperishable, nonspicy snack on your nightstand and eat it before you get out of bed in the morning, especially if you tend to feel nauseated as soon as you get out of bed.
- Keep your meals small. Overeating exacerbates the nausea and can also create or worsen heartburn.
- Focus on eating low-fat, high-carb foods and low-fat dairy products. These foods are much easier to digest than fried foods and high-fat, low-carb foods.
- Limit or completely avoid sweet foods, which tend to increase nausea.
- Try eating ginger, which is an ancient remedy for nausea. You can buy it whole in the produce section of your grocery store; you simply peel it, cut it into cubes, and bake or boil it. You can also find it ground in the spice aisle; sprinkle it on pudding, yogurt, or ice cream or add it to a smoothie or milkshake. If you can find ginger ale (such as Vernor's or Canada Dry) in your area, try that or try ginger tea.
- Avoid overdoing fluids with meals. Drinking fluids with your meals can make you feel overly full.
- Take your vitamin on a full stomach, during or just after a meal.
- If you're unable to get much of anything down, experiment with different types of foods at different times of the day, forgetting everything you know about what healthy foods to eat and when to eat them. If you crave a certain type of food, try it — your body may be telling you what it wants. Even if the food you crave doesn't qualify as a "healthy" food, don't worry too much about the quality of your food choices until your nausea and vomiting disappear — getting some calories in you is your most important priority at this point.
- Avoid tight-fitting clothing, especially during exercise.
Keep drinking water, even if you can't keep anything else down. Vomiting quickly dehydrates you, but keeping up your water intake helps keep you from becoming dangerously dehydrated. Also try keeping a cup of ice chips handy and dissolving a few in your mouth every few minutes; this is a good way to hydrate when you're feeling nauseous. The same goes for frozen juice: You just chop it up into pieces and eat it.


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The Planning Commission has seven members who are appointed by the Board of Supervisors. The Planning Commission advises the Board of Supervisors on matters related to planning and development. This includes making recommendations to the Board of Supervisors regarding the approval of subdivision and land development plans within the Township, and amendments to the Township Zoning Ordinance and the Subdivision and Land Development Ordinance.
Submission deadlines are 25 days prior to Planning Commission Meetings. Submission by the deadline date renders an application eligible for review by the Planning Commission at its next meeting. However, it does not guarantee placement on the agenda.
2018 Planning Commission Meeting Dates and Submission Deadlines
2019 Planning Commission Meeting Dates and Submission Deadlines
Next Meeting
Planning Commission Meeting
December 3, 2019 - 6:30pm
Term Expires: 12/31/2022
Vice Chairman
Term Expires: 12/31/2020
Term Expires: 12/31/2020
Term Expires: 12/31/2021
Term Expires: 12/31/2020
Term Expires: 12/31/2020
Term Expires: 12/31/2022
Minutes and Agendas
View the complete list of Minutes and Agendas


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Located in Montreal (Quebec,Canada), I am a luthier making baroque and modern instruments.
All my instruments are handmade in Montréal with methods and techniques in usage since the renaissance period.
I am only using the best available materials, selected for their acoustic, structural and visual quality. I am using wood imported from europe or sometime local wood (from Quebec) depending on the instrument and customer preference. Each composant is hand crafted in order to give the best sound and playability to the instrument.
On this website, you will be able to read my bio, see a gallery of some of my work, read a blog of my work in progress, and contact me to get more information or to take an appointment.


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Sinusitis Treatment with Salt Therapy
How Salt Therapy can help Sinusitis
Salt Therapy is a natural gentle, non invasive, drug free therapy that offers support to the relief of sinus symptoms. By sitting in our specially designed salt room, your respiratory system will be exposed to microscopic dry aerosol particles of salt that are inhaled into the nasal and sinus area. Salt has natural anti-histamine and anti-inflammatory properties that reduce symptoms and relieve inflammation and congestion in the sinus area. As the dry salt is breathed in, it passes through the nasal airways breaking up or loosening congestion, helping the body to expel any excess mucus or dry up the sniffle and post nasal drip that can be present with some sinus issues.
Salt Therapy works well as a preventative treatment as we are constantly breathing in pollutants and allergens which can irritate the sinus. Breathing in salt as part of your ongoing maintenance can help the body to heal faster and remove irritants fast. Salt Therapy is not a cure; it is a support for your lungs to help open and relieve inflammation and congestion throughout your airways.
Recommended Treatment
Acute Sinusitis – usually follows a cold or viral infection and is shorter in length
Intensity is the key to your Salt Therapy success with acute sinusitis.
The best results from Salt Therapy for acute sinusitis are achieved with an intensive treatment. The earlier you come in, the better, even when you first feel a cold coming on. However, if the infection has gone to your sinus and become sinusitis, we can still help and speed up recovery. We highly recommend Salt Therapy 3 times within a week. This will help expel the congestion and mucus sitting on your sinuses. The following week we recommend twice, because usually the infection would have cleared and the sinuses will be clearer. A final treatment in the third week will make sure you have cleared any lingering congestion and will help reduce any lingering runny nose. Our salt therapist works with you one on one to devise a program that will suit you best and check in with you regularly to ensure we are providing the best supportive care.
Our 6 treatments package is the best value for acute sinusitis.
Ongoing Sinusitis – ongoing inflammation and congestion
Frequency is the key to your Salt Therapy success with ongoing sinusitis.
The best results from Salt Therapy for more ongoing sinus congestion are achieved with an intensive treatment to start to loosen up the congestion. This may be twice or more times per week depending on your severity. We then start reducing the visits in the salt room as your body responds to the treatment; this then will drop down to an ongoing maintenance program. Our salt therapist works with you one on one to devise a program that will suit you best and check in with you regularly to ensure we are providing the best supportive care.
Salt Therapy works well as a preventative treatment as we are constantly breathing in pollutants and allergens which can irritate the sinuses. Breathing in salt as part of your ongoing maintenance can help the body to heal faster and remove irritants fast. Salt Therapy is not a cure; it is a support for your lungs to help open and relieve inflammation and congestion throughout your airways.
The best value is our unlimited monthly pass when attending twice or more times per week. As your treatment intensity reduces, we recommend our session packages.
Check out our prices. If you're new to Salt Therapy and just want to try it out, our introductory offer is a great way to experience the wonderful world of Salt Therapy.
Salt Therapy is a non medical, complementary treatment which has no side effects when used with your medication. Salt Therapy is not a cure; it is a complementary treatment that can relieve symptoms of sinusitis.
Salt Therapy at home
Get more from your Salt Therapy success with our Salt Therapy at home products. Just like a workout at the gym once a week won't make you fit, the success of Salt Therapy is coupled with our affordable at home products. Our salt therapist can show you how to include them as part of your Salt Therapy treatment and for ongoing maintenance.
Short on time? Live out of Sydney?
We've got you covered with our Salt Therapy at home products and salt lamps that bring Salt Therapy to you. Check out our products and packages online.
A Flue-free Winter
By nature I am a sceptic and am very careful what I do, I have found the Salt Spot, energising and uplifting and without hesitation if I was unwell with the flu or a virus I would do another 12 weeks course at the Salt Spot. I have for the first time I can remember had a flu free winter, and I attribute this to the Salt Spot. I would without hesitation recommend the Salt Spot to improve health and well being.
Goodbye Ventolin
I would like to say that since I have been going to Salt Therapy (about 7 months) my health issues have done a 180 degree turn-around. My asthma has improved to the extent that I have not needed to use Ventolin. My breathing has improved enormously. It is true, it is like having your lungs scrubbed clean. I feel lighter in myself as I can breathe properly after all these years. Thank you Penny for bringing this into my life and for being such a warm knowledgeable lady.
Treatment for Asthma
My son is 4 and was on ventolin 2- 3 times daily for asthma. After our 3rd visit, we stopped using the ventolin as his breathing improved dramatically (very noticeable at night when he is sleeping). Now he hardly needs ventolin, only when he has a cold which has been rare. We now visit the salt spot once a week for maintenance.
It's been 4 months now and I am so happy that my son rarely uses ventolin. I would highly recommend The Salt Spot Neutral Bay.
My Kids Love the Salt Room
My two-year old has a history of chronic ear and sinus infections. Last year his symptoms were terrible and resulted in numerous courses of antibiotics. This year we have been able to treat the symptoms more effectively through salt therapy at The Salt Spot. Both my boys love it and it's now a regular part of our weekly routine. Penny has set up the 'cave' so it's family friendly with an area for the kids to play.
I often come in alone as well for a dose of relaxat…
Cleared my Sinusitis
I was suffering with chronic sinusitis I went to the Salt Spot and within a couple of days could feel the improvement in my breathing and clearing of my head. I was having sleepless nights, breathing difficulties and generally a feeling of unwell I had been feeling like this for about 8 weeks. Within a couple of visits to the Salt Spot my head and sinuses had cleared and I now have a feeling of well being and calmness. Penny is a pleasant friendly person who makes me fee…
The Spot to Destress
When I visit I use the time to meditate I find it a perfect environment. I look forward to my visits, as I always feel like I have been on a holiday or to the beach. The Salt room is calm and peaceful. I was under a lot of stress in my life and my time at the salt spot has reduced my anxiety greatly.


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The Veteran Services Department of the Gulf Coast Center MHA is a grant funded program covered under House Bill 2392; An Act relating to the Mental Health Program for Veterans. The Veterans Services department is a member and representation of the Military Veteran Peer Network (MVPN); a non-profit organization. Our program conducts volunteer out-reach in the surrounding communities of both Galveston and Brazoria Counties, Trainings for Veterans, family members of Veterans, and all surrounding communities, facilitates and manages veteran peer groups, recruits, and retains volunteers, and hosts events for veterans and their families. Our Mission: The Gulf Coast Centers Veteran Peer Network is dedicated to supporting and empowering Galveston and Brazoria County veterans and families through fellowship, peer support, training and the sharing of community resources.
Veteran peer support every Thursday in League City! Camaraderie helping yourself, helping others.


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News & reviews for the fiction lover in us all!
It's a Branding Thing
When we hear the term "branding," we usually think of a logo, maybe a tagline. Those are the most readily obvious external aspects, but branding is really about all the ways you present yourself to the world—your "total package". Some elements are more internal to you as an author (though they do affect those you interact with), while others are external-facing to your audiences. If you don't shape that image, your readers will form one for you. The key with branding is consistency. Pick something (a color, a voice, etc.) and stick with it, otherwise you will confuse your readers and risk fragmenting your image. Each element of branding should work together to provide a cohesive view of who you are as an author, much like facets in a gem.
Read the entire article in the November 2017 issue of InD'Tale magazine.
Subscriptions are free!
You can just click on the magazine image on the left hand side of our home page to open and enjoy!
If you would like to receive the magazine every month (for FREE!) , just sign up on our home page. Once you do, an e-mail validation notice will be sent directly to you. Just open and click the link and you're in - forever! Each month the magazine will be delivered directly to your inbox to downlad and read!


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Watch Brockett Rockit
Practicing for the big game.
One year ago the world saw something a bit different on the Superbowl Halftime stage...
Exotic circular, curved and custom keyboards.
Fitting in is overrated... Read more about PianoArc.
Practicing for the big game.
Next step to get your custom PianoArc...
More about the team who builds these babies.
We asked @brockettparsons to play one of our fav songs and HE DELIVERED! Do you know what song it is? Feat @drdre and @snoopdogg. Follow @ARTMEMEKING A post shared by StreetArtGlobe ™ (@streetartglobe) on Jun 22, 2018 at 11:51pm PDT
Looks like Brockett is getting some of the love he deserves on Instgram… This is the same keyboard that I am using on the current Lady Gaga tour.#PianoArc #Brock360 #thebrockettship #trapmusic #trapmusicbeats #hiphop #keyboard #circularkeyboard #joanneworldtour #ladygaga @lilbamsbr #damizza #herman1990 @roselanestudio A post shared by Brockettparsons (@brockettparsons) on Jan 14, 2018 at 6:51pm PST
Own or Feature a piece of Musical History The world's first PianoArc, we call it Serial #1 or SN1 for short, is going to be available very soon for relocation from its current spot in Southern California. We are accepting proposals for its use or sale. We will entertain all serious offers along the lines […]
Brockett is back on tour with Lady Gaga and the PianoArc for the big Joanne World tour with dates set through December 2017. See the Tour Dates here. This is the first tour our new Generation 3 design and the new Super G electronics/lights features of the Brock360.
Great piece on Sir Foster's role as keyboardist for the Atlanta Hawks and some techniques used with PianoArc during games:


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Wednesday, August 08, 2007
Song of the day.
6 comments:
- Lincoln said...
great song. really great.
- 8/08/2007
- upto12 said...
Probably one of my three most favorite songs in the world. And it puts both of the Wilson brothers right to sleep...
- 8/09/2007
- Hey, It's Ansley said...
If you like Ryan Adams, and Nick Hornby, and McSweeney's (and really, who doesn't, they're like the trifecta of goodness), you should read this.
- 8/09/2007
- upto12 said...
Uh. Wow. Nick Hornby writing about Ryan Adams on McSweeney's. I don't even know what to say...
- 8/09/2007
- Carmen said...
This is my favorite as well, Dear Chicago a close second. I played it as I drove away crying in my Uhaul when I moved from Charleston SC.
Sweet recording, thanks for posting it Dainon.
- 8/09/2007
- The McGuffin said...
This CNN article I read last week shines some light on why his recent tour is lacking the energy of his past tours. He's no dummy, I think he knows exactly what he's doing with this latest tour.
- 8/10/2007


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"Thanks everyone for your thoughts and information. I know, the whole thing does really sound bizarre. I also realize that a life living on hormones is nothing compared to what others go through, but to be honest, after reading so many ..."
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Frequently Asked Questions
What data do we hold about you and how can you find out more?
We welcome all enquiries about our data procedures. We only hold the data that you provide to us via the contact form on our website, a partner company's website, or via telephone. You can read our full data policy here. You can request a copy of the data we hold on you by sending a written request to firstname.lastname@example.com or by completing the online SAR Form here.
What do we do with your data once it has been entered collected?
We retain a copy of your data electronically, for our records. Hard copies are retained if you decide to go into contract with us. We may transfer your data to a third party depending on the progression of your initial enquiry. We are open and transparent about this though, so please feel free to ask!
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Business & Real Estate
Mumm's the word: Giants' World Series celebration includes Napa wine
Appropriately for a California team, the San Francisco Giants celebrated their World Series-clinching victory Wednesday night with a Napa Valley sparkling wine.
Mumm Napa, which operates its winery along the Silverado Trail in Rutherford, made sure to get the word out Thursday, releasing a flurry of statistics on the wine-soaked celebration in the Giants' clubhouse following their 3-2 win over the Kansas City Royals in the seventh and deciding game of the 2014 World Series.
Mumm Napa said it provided enough Giants Brut Prestige to fill a hot tub – roughly 312 gallons, or 130 cases, of the specially labeled sparkling wine.
The winemaker also noted that the Giants celebrated with Mumm Napa following their 2010 and 2012 World Series championships. Last year, Mumm Napa said its Giants Brut Prestige – going for $27 a bottle – became the team's official sparkling wine. The bottle's label features the Giants logo.
But good luck trying to find a bottle: On the Mumm Napa website Thursday, Giants Brut Prestige was listed as sold out.
Call The Bee's Mark Glover, (916) 321-1184.


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Adrienne told me about All Hallow's Read and I have to give her credit and thanks for discovering this on the 'interwebs.' She's an absolute horror nut and I owe a lot of my experience with the genre to her knowledge and passion.
All Hallow's Read is a very simple idea. You give someone a scary book to read on Halloween. That's it. Neil Gaiman describes it as the beginning of a tradition. I like that.
You can learn more at http://www.allhallowsread.com/.


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Varsity.com is the authority for everything connected to cheerleading and dance. So whether you are looking for cheer uniforms, cheer competitions and results, cheer and dance videos, or summer cheer camps, you can count on Varsity Spirit and Varsity.com to be your guide.
Varsity.com architecture includes a drag and drop functionality where the team can build pages and change their content with little to no coding experience. The website contains personalization, contact wizard, post tagging and filtering. It also integrates with Varsity TV for events and articles. Since the website has so many options, we have also build a wiki to centralize all the documentation.


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Instaweek // Celebrate/
1 // We sung at a wedding last weekend, it was fun
2 // Waiting
3 // Amazingly tall tulips at a beautiful garden we went to for tea and scones on Sunday afternoon
4 // In the rose garden
5 // It was Dan's birthday week, there was so much helicopter flying. Let's just say there are aproximately 7 owned by the men in this house, i can't explain how obsessed these boys are.
6 // Birthday hats
7 // My mom is the BEST!
8 // Set up some Kalos goodies yesterday at the cafe Dan's working at in the city.


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Hill Country Sampler
Breweries, distilleries and wineries, oh my!
We leave Austin and take a leisurely half-day visit to quaint Dripping Springs, the "Gateway to the Hill Country". The city proudly boasts that it offers the perfect blend of natural beauty, heritage and good old-fashioned hospitality. We'll sample some great examples of locally produced beers, spirits and wines, and learn about the craftsmanship, ingredients, passion and patience that go into making these drinks so special.


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The Travelex International Payments Service is provided by NZForex Limited (CN: 2514293) ("NZForex"). Any reference on this page to "we", "us", or "our" is a reference to NZForex.
The NZForex Product Information sets out:
NOTE: If any words are capitalised, please refer to the definition section at the end of this document.
1.1 Service Provider
The Travelex International Payments service is provided by NZForex Limited (CN: 2514293) ("NZForex"). NZForex is part of the global OzForex Group of Companies. NZForex is a wholly owned subsidiary of OzForex Limited (ABN: 65 092 375 703), an Australian company.
NZForex is registered as a financial service provider on the Financial Service Providers Register (established by the Financial Service Providers (Registration and Dispute Resolution) Act 2008). NZForex's parent company OzForex holds an Australian Financial Services Licence (No: 226 484) allowing it to deal and advise in relation to foreign exchange Transactions. As an AFSL holder, OZForex is regulated by the Australian Securities and Investment Commission ("ASIC"). It is audited by PricewaterhouseCoopers and is subject to the reporting and disclosure obligations that apply to financial advisers under the Corporations Act 2001 in Australia.
1.2 No Personal or Independent Advice
The information contained in this document is general in nature and is provided purely for information purposes. You will also find on our website some useful historical data and some charting and research tools. Additionally, we may also provide you with general oral advice about how foreign exchange transfers work during the course of our dealings with you. We recommend that you carefully consider all the potential outcomes of specific foreign exchange trades and strategies before entering into any of the foreign exchange transaction. Before acting on any information, you should consider the appropriateness of it and the relevant foreign exchange product having regard to your objectives, financial situation and needs. In particular, you should obtain independent financial advice as to the amount, type and timing of any particular Transaction you enter into with us.
1.3 Client Agreement
You will need to enter into a Client Agreement with us before we provide you with our service. This agreement sets out the rights and obligations applicable to you. The Travelex International Payments service is offered only to individuals who are transferring funds privately. If you are a sole proprietor of a business or representing a trust, partnership, company or commercial organisation, we are unable to service you under the terms and conditions of the Travelex International Payments service. Please ensure that you identify yourself as a sole proprietor of a business, as a trustee of a trust or as a partner of a partnership or as a representative of a company or commercial organisation when registering for this service. You must ensure that you fully understand the terms set out in the relevant Client Agreement before you transact with us.
The following is an overview of the key contractual provisions in our Client Agreement:
• No Obligation to Accept Instructions or Process Transactions - While we will always endeavour to comply with your Instructions as quickly as possible, there may be circumstances in which we are unable to do so. Therefore, we always reserve the right to refuse to accept your Instructions and to do so without giving you any reasons and without incurring any liability to you.
• Transaction Binding - If you wish to enter into a transaction, you may do so by giving us Instructions online, by telephone or by email. The transaction will be legally binding on you when we receive your Instructions.
• Cancellation - Once a transaction has become legally binding, you may not cancel the transaction in any circumstances.
• Funds Held by Us - You acknowledge and agree that we do not hold your funds on trust and will not put your funds into a separate bank account.
• Payment of Full Amount on Settlement - You must always pay to us the full amount of the funds you are transmitting on the due date (less any Advance Payments already made). We do not facilitate any form of margin or speculative foreign exchange trading, so we do allow you to pay or receive only the amount of any loss or profit occasioned by exchange rate fluctuations. If you want to speculate on exchange rates, our service is not for you.
• Closing Out Transactions - If you fail to make any payment when it is due, you will be breaching your contract with us and we will Close Out the transaction you have booked. This could result in a loss to us which we will ask you to pay.
1.4 Contact Us
If you do not understand any part of this document or anything on our website, or require further information, please contact NZForex by telephone on 0800 161 088 or email our Compliance Officer at firstname.lastname@example.com .
2.1 Our Service
We provide a 24 hour international online money transfer service. You can instruct us to send your funds overseas either immediately (ie: within the next 2 days) or at any time within the next 12 months and you can enter into an arrangement that is legally binding immediately or legally binding only in certain circumstances.
2.2 Accessing and Using the Service
You can access our service directly online, by telephone or by email. We do not accept communications by fax. The simplest way to access our service is to register on our website at https://internationalpayments.travelex.co.nz. Registration is quick, costs nothing and is obligation free. When you register with us, you will be asked to agree to the terms of our Client Agreement. If you are an individual, you may do so by clicking on the "I Agree" button on our website. Once we have verified your identity, your registration will be complete and you can begin to transact with us. Once registered, if you want to transact:
• By phone, you will need to call us and speak to one of our dealers to book your deal. We provide the same rates by phone on 0800 161 088 as we do online.
• Online, you will need to log in using your username and password. You can then book a transaction online using either (a) the auto-confirm transaction option or (b) the online booking confirmation option.
• By Email, once you have included all the details in your online Beneficiary (payee) library, you can send us the transaction details by email and we can have them entered into our system for you. It you book a transaction by email, the transaction will be binding on you when we process your email. You acknowledge that, if you choose to book a transaction by email, it may not be processed immediately. When we process your Instructions, we will then send you an email headed "Deal Confirmation".
After you are fully registered, you can book exchange rates with us 24-hours a day Monday to Friday. When you book your first deal, we will call you to confirm the transaction and discuss payment options. Subsequent payments can be managed completely online (or by phone if you prefer). Once a Transaction is booked, we ask you to pay the money you are transmitting into one of our accounts, either immediately or on the Maturity Date, then we convert it into the foreign currency and credit the Beneficiary Account you have nominated in the agreed amount of the foreign currency. Our service is very quick, but the actual time between booking a Transaction and receiving the money in the Beneficiary Account will vary according to the currencies involved.
2.3 Deliverable Only Service
We are a money transmission business only. In all cases, you must deliver to us the full amount of the funds you are exchanging. We simply transmit money. We do not facilitate any type of margin or leveraged foreign exchange transaction (ie: where you are able to speculate on future exchange rate movements by putting down a deposit and trading a multiple of that deposit). We do not allow you to pay us only the amount of any loss occasioned by exchange movement and in no circumstances will we pay you any profit realised as the result of an exchange rate movement.
2.4 No Cancellation
Once you have booked a Transaction, you cannot cancel it. As soon as a Transaction is booked, we enter into a matching Transaction with our own foreign exchange provider which we have to settle whether or not you settle your Transaction. If you fail to deliver to us the full amount of the money you are transferring on the due date, or you fail to deliver any advance payment we have requested, we will close out the Transaction. Closing out a Transaction involves reversing the Transaction we have entered into with our own provider. Sometimes, we will realise a loss on the reversed Transaction as a result of exchange rate fluctuations. If there is a loss, we will ask you to pay any loss immediately. In no circumstances will we pay you any profit realised by us if we close out a Transaction that you have failed to settle.
2.5 Information
We provide general information in relation to foreign currency transactions. You will find on our website some useful historical data and some charting and research tools. We can also provide you with general oral advice about how foreign exchange transactions work. Please note however that none of the information we provide to you, either on our website or over the phone, will take into account your personal financial circumstances and needs. You will always need to exercise your own judgement and should obtain independent financial advice as to the amount, type and timing of any particular transaction you enter into with us.
3.1 What is Foreign Exchange?
The term foreign exchange refers to the simultaneous purchase of one currency and sale of another currency at an agreed exchange rate. The exchange rate is the price at which one currency can be bought or sold in exchange for another currency. When you are comparing exchange rates offered by different providers, you need to consider both the exchange rate that is quoted and any transaction fees that may be applicable. For example, a good exchange rate may be accompanied by high transaction fees, so you need to take both into account.
3.2 Exchange Rates
The "exchange rate" is the price at which one currency can be bought or sold in exchange for another currency. An exchange rate is the price of one currency expressed in terms of another currency. For example, if the current exchange rate for the New Zealand dollar against the Australian dollar is 0.7894, this means that a New Zealand dollar is equal to, or can be exchanged for, approximately 79 Australian cents.
3.3 Quotation of Exchange Rates
The foreign currency market is an over-the-counter ("OTC") market, which means that there is no official or benchmark exchange rate for foreign currencies. Different service providers will quote different exchange rates at different times of the day. We cannot guarantee to offer the best rate available on the day, but we endeavour to be very competitive and will try to match any better rates.
3.4 Exchange Rate Fluctuation
Exchange rates fluctuate constantly and thereby give rise to risk and uncertainty.
3.5 Margin
We make our profit primarily from our Margin. The Margin refers to the difference between the rate we obtain from our own providers on the wholesale foreign exchange market (which we refer to as the Interbank Spot Rate) and the rate we quote you. The Margin will vary from currency to currency and from time to time. While we do not disclose our Margin on every Transaction, you are always free to compare the exchange rate we quote you with other providers to ensure that we are offering you a good rate.
3.6 Transaction Fees
Travelex International Payments charges a small fixed Transaction fee, but only on Transactions under NZD$10,000 (or foreign currency equivalent). This is a separate fee, the amount of which is unrelated to the exchange rate. You must factor this fee into the cost of the Transaction as well. If you are comparing rates, you should bear in mind that an attractive exchange rate may be offset by a high Transaction Fee (or vice versa).
3.7 Counterparty Risk
When you enter into a Transaction with NZForex, moneys you place with us are not held in a separate account or on trust for you. You are therefore assuming a risk in relation to NZForex solvency. While we try to maintain surplus liquid funds at all times, our liabilities are not guaranteed in any way by any other entity in the OzForex Group. However, we do not assume any risk in relation to exchange rate movements ourselves. To reduce your exposure to us, we enter into a hedging transaction with one of our counterparties as soon as you enter into a transaction with us. The risk for you therefore is essentially that one of our counterparties defaults. We use a number of different counterparties at any time. However, they are all large international banks. For example, Barclays Bank PLC in the UK is our primary provider - their details can be located at www.barclays.co.uk. In order for you to assess for yourself our financial ability to meet our counterparty risk, you can obtain a copy of our financial statements, free of charge, by going to the "Our Financial Statements" tab on our website.
4.1 Exchange Rates
As a technical matter, exchange rates are generally quoted in 4 different ways depending on the time for settlement:
(i) Value Today (ie: today or "T");
(ii) Value Tomorrow (ie: 24 hours or "T+1");
(iii) Spot (ie: 48 hours or "T+2"); and
(iv) Forward (ie: any time between 48 hours and 12 months).
We offer only Spot Contract ("T+2") and Forward Contracts, not Value Today or Value Tomorrow Transactions. When comparing rates, you should make sure that you compare only T+2 rates, not T or T+1 rates, as they could be appreciably different.
4.2 Spot and Forward Contracts Only
We offer only Spot and Forward transactions. When you are comparing exchange rates, you need to ensure that you are comparing a Spot Rate with another Spot Rate and not with a Value Today or Value Tomorrow rate, as Value Today or Value Tomorrow rates are calculated on different days and so are not valid comparisons.
4.3 Orders
We also offer an arrangement whereby you can enter into a Spot Contract or a Forward Contract only when a target exchange rate is reached. For a more detailed explanation of how our limit orders work, please go to paragraph 7.
4.5 Regular Money Transfer
You may ask us to make regular payments on a weekly, monthly or quarterly basis for up to 12 months in advance. You can do so either by allowing us to apply the Spot Rate applicable at the time of each transfer or by setting the exchange rate for each payment in advance. If you choose the first option, you will be effectively entering into a series of Spot Contracts (see Part 5) and may cancel the series of contracts without incurring any liability to pay a loss providing that you give us at least 7 days notice. If you choose the second option, you will effectively be entering into a series of Forward Contracts (see Part 6) and will therefore be bound to settle the transactions in the same way as you would an ordinary Forward Contract and to pay any loss if you cancel one or more contracts in that series.
In either case, you will be asked to pay an Advance Payment (see paragraph 6.6) in the amount of each instalment which will be applied in settlement of the last payment in the series of payments.
5.1 What is a Spot Contract?
Whenever you exchange currencies, you are effectively entering into a foreign exchange contract of some kind (ie: this happens when you pay for a purchase overseas by credit card, even though you may not realise it).
If you want us to transmit your money immediately, then you will need to enter into a Spot Contract with us. A Spot Contract is an agreement to exchange one currency for another at an agreed exchange rate within 2 days of the transaction being booked. For example, when you make a purchase overseas in a foreign currency, you may have to pay the purchase price straight away. In those circumstances, your only consideration will be the exchange rate at the time and we will quote you a Spot Rate (you should feel free to obtain quotes from other providers to ensure that our Spot Rate is competitive). When you have agreed to the Spot Rate and entered into the Spot Contract with us, you will have 48 hours to pay the funds into our account and we will then remit the funds immediately to your nominated Beneficiary Account.
If, on the other hand, you do not have to make the payment immediately (ie: the purchase price payable under a contract is not payable for 4 months), you will need to consider whether to lock in the Spot Rate available now or wait for 4 months and hope that the exchange rate is equally, or more, favourable then. If you do not want to take the risk that the exchange rate is less favourable in 4 months time, you can lock in the Spot Rate either by entering into a Spot Contract immediately (and sending the money to an account in the foreign currency, if you have one) or you can do so by way of a Forward Contract, which will allow you to send the money in 4 months time at the Forward Rate.
5.2 Variables
In a Spot Contract, there are a number of variables that need to be agreed upon, including:
(a) The denomination and amount of the currency being bought.
(b) The denomination and amount of the currency being sold.
(c) The exchange rate.
5.3 Settlement
A Spot Contract must be settled within 2 days of the Transaction being booked. This means that you must pay us the money you are exchanging within 2 days. Actual receipt of the funds transferred by us into your nominated Beneficiary Account will take longer than 2 days and the actual timing of the payment to the Beneficiary Account will depend on the destination of the funds and the intermediary banks involved.
5.4 Spot Contract Exchange Rate
The Spot Rate quoted by us will be calculated by taking into account the Interbank Spot Rate and the Margin.
5.5 Fees
The following Fees/costs may apply to a Spot Transaction.
(a) Margin
The Margin will vary from time to time and from currency to currency. It is not a separate amount that you have to pay, ratherit is built in to the exchange rate. It effectively represents our gross profit margin on each transaction. You can satisfy yourself that our Margin is reasonable by comparing the exchange rate we quote with the rates quoted by other providers. You will need to bear in mind that some providers might quote a good exchange rate, but supplement a narrow margin with high transaction fees.
(b) Transaction Fees
We charge a Transaction Fee which is presently NZD$12.00 (or foreign currency equivalent) for transfers up to NZD$10,000. We do not charge Transaction fees for Transactions over NZD$10,000 (or foreign currency equivalent). If a transaction fee is payable, it will be added to the total amount you are required to settle.
(c) Third Party Transaction Fees
We do not charge you an additional amount for third party transaction fees. They are built into our margin. However, in some cases, the intermediary banks we use to process payments may deduct transaction fees that we have not anticipated. For example, in some jurisdictions, the receiving bank charges a receiving bank fee. We will try and notify you of these additional fees if we are aware of them, but we cannot always do so in advance. In our experience, receiving bank fees tend to be less than AUD$50.00 (or foreign currency equivalent), but this will depend on the relevant jurisdiction. You may therefore find, in some cases, that the total amount you expect to receive in your Beneficiary Account is slightly less because such fees have been deducted. You should bear this in mind if you are paying the precise amount of an invoice, for example. If you have any questions regarding the likelihood of third party transaction fees being levied by intermediary banks for your transaction, you should ask one of our dealers.
5.6 Significant Benefits
The significant benefits of entering into a Spot Contracts with us are:
(i) speed and ease of transferring money.
(ii) certainty in relation to the exchange rate we offer you; and
(iii) access to real time pricing.
5.7 Significant Risks
The significant specific risks involved in entering into a Spot Contract are:
(i) as exchange rates fluctuate quite rapidly, you may find that the rate improves very soon after you lock in a rate or that another provider is offering a slightly better rate at any particular point in time; and
(ii) delays are rare but they do happen; they can be caused by technical or administrative problems experienced by NZForex, Travelex, or by intermediaries for reasons entirely outside NZForex's control.
6.1 What is a Forward Contract?
A Forward Contract is a Transaction that allows you to transfer money at some time (up to 12 months) in the future at an exchange rate that you agree now, so that you know what the exchange rate will be at the time the exchange of currencies becomes necessary. This allows you to avoid the risks and uncertainties associated with adverse exchange rate movements.
6.2 Purpose of a Forward Contract
The purpose of a Forward Contract is primarily to achieve certainty and to avoid possible losses attributable to adverse exchange rate movements. A Forward Contract enables future exchange risk to be avoided (although you may still face a loss if you do not settle the Forward Contract on or before the Maturity Date). A Forward Contract may be useful in the following circumstances:
(a) importing and exporting goods where the invoice is in a foreign currency;
(b) borrowing in foreign currencies;
(c) investing in foreign currencies;
(d) buying or selling property overseas;
(e) receiving pension payments from an overseas jurisdiction; or
(f) repatriating salary or interest payments received overseas.
Forward Contracts can be used by individuals migrating or buying property overseas who want to lock in a good exchange and not take the risk the exchange rate will be worse when they actually need the money.
6.3 Variables
The variables in a Forward Contract are:
(a) The denomination and amount of the currency being received.
(b) The denomination and amount of the currency being sent.
(c) The exchange rate.
(d) The Maturity Date.
6.4 Forward Rate
In determining the rate of exchange for a Forward Contract, there are two components:
(i) the current Spot Rate; and
(ii) the forward rate adjustment ("Forward Points").
The Forward Rate quoted by NZForex will not be the same as the Spot Rate, because it will take into account the interest costs in holding the money until the Maturity Date. It may be better or worse than the prevailing Spot Rate on the day depending on the difference in interest rates between the country from which the funds are sent and the country to which the funds are being sent.
The calculation of Forward Points is a complicated one. It will be influenced not just by interest rates in the two relevant countries, but also by the duration of the Forward Contract and less tangible factors such as the expected direction of interest rates in the two relevant countries prior to the Maturity Date. You may find that the Forward Points change quite significantly over a short period of time as a result of developments impacting on expectations of future interest rate changes.
6.5 Variation to the Maturity Date
The Maturity Date is the date your Forward Contract expires; in other words, the date on which you are required to send to us the funds you are transmitting. When you enter into a Forward Contract, the Maturity Date will be agreed and cannot be changed without our consent.
We may, upon request but entirely at our discretion, agree to allow you to vary the Maturity Date you have booked. We may allow you to pay some or all of the amount you are transferring early at some time before the Maturity Date ("Pre-Delivery") or we may allow you to extend the Maturity Date ("Rollover"), but not for longer than 12 months from the date you entered into the transaction. If we do agree to such a variation, the Forward Points will change.
6.6 Advance Payment
All Forward Contracts must be settled by delivery of the full amount being transferred on the Maturity Date (also referred to as the Settlement Date). This means that we must be able to sight the cleared funds in our bank account on or before the Maturity Date. When you enter into a transaction with us, we enter into a matching transaction with our own providers. If you do not settle your transaction, we still have to settle ours. In order to cover the risk that you do not settle your transaction, we ask you to pay some of the settlement payment in advance ("Advance Payment"). The amount of any initial Advance Payment requested will be a fixed percentage of the value of the Transaction and will normally be between 5% and 10% of the value of the Transaction, but could be more depending on the duration of the Forward Transaction. While the amount of any Advance Payment is at NZForex's complete discretion, as a general guide, short term Advance Payments (with a Maturity Date occurring within 0-3 months) will attract a 5% initial Advance Payment and long dated Forward Transactions(with a Maturity Date occurring within 3-12 months) will incur a 10% Advance Payment.
We will usually ask for an Advance Payment when you enter into a transaction, but the fact that we have not done so does not mean that we will not ask for one later if the exchange rate trends unfavourably. Equally, the fact that you have already made an Advance Payment does not mean that we will not ask for one or more additional Advance Payments if the exchange rate continues to move unfavourably. If we have requested payment of an Advance Payment at any stage of the transaction, you must pay it promptly. We expect to receive the Advance Payment within 48 hours of the request, failing which we reserve the right to Close Out the transaction without notice and ask you to pay the full amount of any loss occasioned by us immediately. We do not pay interest on Advance Payments.
IMPORTANT: You should not enter into a Forward Contract if you are unable or unwilling to pay an initial Advance Payment of between 5% and 10% of the value of the Transaction with the possibility of one or more further Advance Payments being requested at any time prior to the Maturity Date. If we ask you to pay an Advance Payment at any time and fail to do so, we may Close Out your Forward Contract without prior notice.
6.7 Closing Out Transactions
The liability for an adverse exchange rate movement is crystallised at the commencement of the Forward Contract and not on settlement. If you want to calculate your liability to pay a Advance Payment at any point in time prior to the Maturity Date or your liability to pay a loss in the event that the transfer is Closed Out, you need to consider the exchange rate at the time of Closing Out, because Closing Out involves entering into the same Transaction in reverse and selling bought currency back into the market. In the event that a Forward Contract is Closed Out, we will calculate, as at the closing out date, the value of the Transaction using prevailing market rates chosen by us in good faith.
IMPORTANT: If there is a loss on a Transaction that is Closed Out, you will be liable to compensate NZForex immediately upon demand for the full amount of that loss which could exceed the amount of any Advance Payment already held. In no circumstances shall NZForex be liable to pay to you any profit arising from the closing out of a Transaction.
In the case of a Regular Money Transfer, you should not fix the exchange rate in advance for each instalment (see paragraph 4.4) unless you are confident that you will need to make every payment. If, for example, you cancel your instructions after the third of twelve monthly payments, the other nine transactions will be closed out and you will be required to pay any loss which will be deducted from the Advance Payment.
6.8 Fees
Set out below are the payments that you will need to take into account when deciding whether to enter into a Forward Contract:
(a) Advance Payment – see section 6.6 above;
(b) Margin - see section 5.5(a) above;
(c) Transaction Fees – see section 5.5(b) above. Please note that Transaction Fees may be incurred if you are transferring funds to multiple Beneficiary Accounts; and
(d) Third Party Transaction Fees – see section 5.5(c) above.
6.9 Significant Benefits
The significant benefits of entering into a Forward Contract are:
(i) cash flow certainty; and
(ii) protection from adverse exchange rate movements.
6.10 Significant Risks
The significant specific risks involved in entering into a Forward Contract are:
(i) The opportunity to make financial gains as the result of favourable exchange rate movements is precluded; if you enter into a Forward Contract, you must always settle it on the agreed terms whatever the exchange rate is on the Maturity Date.
(ii) If the reason for entering into the Forward Contract ceases to exist (eg: the relevant supply transfer is cancelled) prior to the Maturity Date, the Forward Contract may need to be Closed Out early and that may result in a loss if the exchange rate has moved unfavourably, as you are not able to cancel the Transaction or transfer your obligations to anybody else.
(iii) An Advance Payment may be requested of at least 5% to 10% of the value of the Transaction either at the beginning of the Transaction or at any time prior to the Maturity Date, so you must ensure that you have the funds available to meet any such request. If for any reason you are unable to pay the Advance Payment, we may Close Out your Transaction without notice.
(iv) Interest will be foregone on the amount of any Advance Payment/s held by us as we do not pay any interest on Advance Payments.
7.1 What is an Order?
You may enter into an agreement with NZForex whereby your Spot Contract or Forward Contract becomes binding only when a certain exchange rate ("Target Rate") is reached. You are able to amend or cancel your Instructions by telephone at any time before the Target Rate is reached. However, once the Target Rate is reached and the Order is filled by us, you are bound to settle the Transaction in accordance with its terms (please see Parts 5 and 6 for a discussion of Spot Contracts and Forward Contracts).
7.2 Terms of Orders
The key terms of an Order may be summarised as follows:
• Legally Binding - An Order will become binding as and from the time that yourInstructions are received by us. You may cancel an Order at any time before the Target Rate is reached by giving us notice by telephone. You may not cancel an Order after the Target Rate has been reached, whether or not we have notified you that the Target Rate has been reached. When the Target Rate is triggered, we will notify your and upon such notification, you will be legally bound by the transaction.
• Target Rate - The Target Rate will be deemed to have been reached only when the exchange rate nominated in your Order has been filled with our provider. This will occur when the rate you have nominated has been exceeded by an amount that includes our Margin. You may find that, in some cases, the exchange rate spikes with the result that the exchange rate you have nominated in your Order has been reached but has changed before we are able to fill the Order with our provider; for the avoidance of doubt, we will not fill your Order in those circumstances.
• Payment - As soon as you receive our notification that the Target Rate has been reached, you must take action to ensure that the funds reach our account by the Maturity Date. If we do not receive the funds in time, we reserve our right to Close Out the transaction.
All of the other considerations in terms of fees and risks should also be considered.
General Benefits
Our trading platform offers:
(i) real-time pricing (just login and request a live, and dealable, rate);
(ii) immediate access to a trading platform 24-hours a day Monday to Friday;
(iii) competitive exchange rates;
(iv) accurate Transaction records with your personal Transaction history accessible at anytime by using your personal login on our website;(v) access to market research; and
(vi) visibility to wholesale pricing and a completely transparent service where you can compare our rates against wholesale rates and against your bank's rates.
Regardless of whether you purchase a Spot Contract orForward Contract , there are risks you must consider before you enter into any transaction with NZForex.
10.1 Credit Risk
Credit risk is the risk that we will become insolvent and become unable to perform our contractual obligations to you (ie: remit the agreed amount of foreign currency to your Beneficiary Account at the agreed time). When you enter into a Transaction with us, you are reliant on our ability to meet our obligations to you on the terms of each Transaction, so you are taking a risk in relation to our solvency.
10.2 Operational Risk
Operational risk is the risk of loss resulting from inadequate or failed technological systems, internal processes or external events.
We employ the latest and most sophisticated technological security measures, including SSL 128 bit encryption for all data transfers over the internet. We also have in place physical risk reduction processes and procedures, such as locked filing cabinets and restricted access to offices and strategic risk reduction processes such as security clearances and limiting access to a "need-to-know" basis. However, there are significant risks associated with using and relying on a web-based, electronic trading platform. Such risks include, but are not limited to, risks related to the use of software and/or telecommunications systems such as software errors and bugs, delays in telecommunications systems, interrupted service, data supply errors, faults or inaccuracies and security breaches.
While we will use all reasonable efforts to ensure uninterrupted access to the website at all times, we cannot guarantee that such access will never be interrupted as a result of technical or other unforeseen problems as these are matters largely outside our control. We therefore reserve the right to suspend or terminate access to the website at any time and without prior notice and we can't accept any liability for any loss caused by lack of access to our system or for any errors in the software and/or related information systems.
There are important provisions relating to the use of the trading platforms on our website in our Website Use Agreement and in our Client Agreement. You must ensure that you fully understand these provisions and the risks involved in relying on an on-line, electronic trading system and the limitations in the service that NZForex can provide in relation to the trading platforms.
10.3 Discretionary Powers of NZForex
We have a number of discretionary powers which may affect your trading activities, including the right to Close Out your Transction(s) without prior notice to you. We refer you to the Client Agreement which sets out these powers and suggest that you should fully understand them before entering into a Transaction. You should understand that we may refuse to enter into a Transaction, or Close Out any open Transcations, without notice, in circumstances such as the following:
• if you fail to make any payment when it is due, including the payment of any Advance Payment that has been requested by us;
• if you fail to provide any material information we have requested or any information you have given us is or becomes, in our opinion, materially inaccurate or misleading;
• in the event of your death or loss of mental capacity;
• if bankruptcy or winding up proceedings are commenced against you;
• if the performance of our obligations as per this document becomes illegal;
• if a serious dispute has arisen between us; or
• if you breach an important term of our Client Agreement or of any Transaction.
You should be aware that we may be obliged to freeze or block your account if information comes to our attention that leads us to believe that it is being used in connection with money laundering or terrorist financing activities or if we are directed to do so by a regulatory authority. If this occurs, we will not be liable to you for any consequential losses whatsoever and you agree to indemnify us if we suffer loss as a result of action taken by a third party beneficiary arising from any such action we have taken in relation to your account.
10.4 Foreign Exchange Risk
Once you have entered into a Spot Contract or a Forward Contract with us, you will have locked in an exchange rate, so your Transactionwill not be affected by subsequent exchange rate movements; you will be protected from adverse exchange rate movements and, equally, you will be precluded from benefitting from favourable exchange rate movements. However, in deciding whether or not to enter into a Spot Contract or a Forward Contract, you need to appreciate the risk of not doing so.
Foreign exchange currency markets are subject to many influences which may result in rapid currency fluctuations. Those influences are unpredictable and often entirely unforeseen. They include such things as changes in a country's political condition, changes in the global economic climate and natural disasters, all of which may substantially affect the price or availability of a given currency.
11.1 Privacy
We are subject to privacy laws. By entering into a Client Agreement, you consent to us disclosing any of your Personal Information (as defined in the Privacy Act 1993) in accordance with our Privacy Policy which is available on our website at http://internationalpayments.travelex.co.nz Please see the Privacy Policy on our website.
11.2 Money Laundering Regulations
By entering into the Client Agreement, you undertake that you will not knowingly do anything to put NZForex in breach of the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and other subordinate rules (AML/CFT Laws). You undertake to notify NZForex if you are aware of anything that would put NZForex in breach of the AML/CFT Laws. NZForex is required to comply with these laws, including the need to establish your identity (and, if relevant, the identity of other persons associated with your account). Instructions for completion of the identification process are included in the Client Agreement that you will need to complete. Additionally, from time to time, we may require further information to assist with this process.
As a result of our obligations under money laundering regulations, we reserve the right to refuse at any time and entirely at our discretion, to accept you as a client and to refuse to provide you with our service without explaining our reasons for doing so and without incurring any liability to you as a result of such a decision. This would usually happen before we transact with you if you failed to satisfy our internal identification requirements, but there may also be circumstances in which we are obliged to refuse to continue to provide our service to you after we have accepted you as a client and even though we have transacted with you in the past. This could happen if, for example, it came to our attention that information you provided to us when you registered subsequently appeared to be misleading or incorrect. In certain circumstances, we may not be able to transact with you or other persons associated with your account and may be obliged to delay processing a transaction, block or freeze an account where used in connection with Illegal Activities or suspected Illegal Activities. If this occurs, we are not liable to you for any consequences or losses whatsoever and you agree to indemnify us if we are found liable to a third party in connection with the freezing or blocking of your account.
12.1 Independent Tax Advice
There may be tax implications associated with any transaction you enter into with us and the relevant tax rules or their interpretation may change from time to time. If there are any tax considerations, they are likely to arise from the nature or purpose of the relevant transfer of funds, rather from the fact of the transfer itself, and will therefore be different for everybody. You are therefore encouraged to seek independent professional tax advice prior to entering into any Transaction with us.
13.1 Internal Complaints Procedure
We have an internal dispute resolution process in place to resolve any complaints you may have quickly and fairly. Please see the Complaints Handling Policy on our website.
13.2 Approved Dispute Resolution Scheme
If the dispute cannot be resolved under our internal disputes policy, you may formally submit the dispute to the approved dispute resolution scheme of which we are a member for the purposes of the Financial Service Providers (Registration and Dispute Resolution) Act 2008 for determination in accordance with the rules of that scheme. For more information, please refer to the Complaints Handling Policy on our website.
13.3 Recovery of Sums Payable by You in Court
If we Close Out a Transaction and you become liable to pay us an amount by way of loss on the Transaction, we will pursue any such unpaid amount immediately through legal action in court. Any such recovery action shall not be subject to our internal complaints procedure or to arbitration.
Advance Payment means a part payment of the amount being exchanged in such amount as we shall deem necessary to cover our Settlement Risk.
AUD means Australian Dollar.
Beneficiary Account means the bank account nominated by you to which we send your funds that could be an account in your name or an account of a third party (ie: a party whom you are paying for goods or services).
Client Agreement means the umbrella agreement that we will ask you to enter into before we begin transacting with you, and shall include any addendum to such agreements.
Close Out means cancelling the transaction and selling back the currency we have bought for you when you entered into the transaction.
Currency Pair means the two currencies that are the subject of the Transaction.
Delivery means payment to us of the full amount of the currency you are exchanging (less any Advance Payment already made).
Fees means all fees, costs and charges associated with your transaction.
Forward Contract means an agreement where one currency is sold or bought against another currency at an agreed exchange rate for settlement on a specified date in the future.
Forward Points means the amount by which a Forward Rate varies from the Spot Rate as a result of the differential in interest rates between the countries of the Currency Pair.
Forward Rate means the Spot Rate adjusted to a future date having regard primarily to the interest rates prevailing in the two countries in the Currency Pair.
Instructions means a request made by you to enter into a transaction.
Interbank Spot Rate means the wholesale Spot Rate that we receive from the foreign exchange interbank market, being a preferential transfer rate given to organisations conducting large and frequent transactions.
Margin means the difference between the exchange rate we pay our provider, which we access through the wholesale foreign exchange market, and the rate that we quote to you.
Maturity Date means the agreed Settlement Date which may be brought forward or extended by NZForex at its discretion.
NZD means New Zealand dollar.
OzForex means OzForex Limited (ACN: 092 375 703), an Australian company.
OzForex Group means OzForex Limited and its related bodies corporate including NZForex Limited, CanadianForex Limited, UKForex Limited, OzForex (HK) Limited and USForex Inc.
Privacy Policy means the privacy policy on our website at: Privacy Policy
Regular Money Transfer means an instruction to make payments on a weekly, monthly or quarterly basis up to 12 months in advance either by way of a series of Spot Contracts or by way of a series of Forward Contracts.
Settlement Date means the date on which the funds that are being exchanged must be received by us.
Settlement Risk means the risk we assume that you will fail to settle a Transaction in accordance with its terms and that a loss will be realised by us as a consequence of exchange rate fluctuations.
Spot refers to a foreign exchange transfer that must be settled within 2 days (48 hours) and is sometimes referred to as T+2.
Spot Contract means an agreement to exchange one currency for another at an agreed exchange rate within 2 days of the transaction being booked.
Spot Rate means the exchange rate for settlement within 2 business days from the date the Transaction was booked.
Transaction Fee means a fixed fee charged on smaller Transactions to cover administrative costs.
Travelex means Travelex Financial Services NZ Limited (Company No: 115663) and having its registered office at Level 14, Brookfield House, 19 Victoria Street, Auckland, registered in New Zealand ("Travelex").
Value Today refers to a foreign exchange transfer that must be settled on the day it is entered into.
Value Tomorrow refers to a foreign exchange transfer that must be settled within 1 day (24 hours) and is sometimes referred to as T+1.
We or Us means NZForex Limited (CN: 2514293).
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Dead animals, elephant dung, unmade beds and rice all seem like everyday objects but should we be calling them art?
When we were growing up we were taught that art was a beautiful painting - like Van Gogh's Sunflowers, or a perfect sculpture of a human - like Michelangelo's David, but we were never really taught that conceptual and contemporary art were 'proper' forms of art, even though it was established in the sixties. It made us think and challenge our own assumptions of what art should really look like.
People didn't understand the idea of cows cut in half (Damien Hirst), wire mesh lockers (Mona Hatoum), rubble (Richard Long) or rubbish (Tomoko Takahashi) being called art unless you could frame it nicely on your living room wall. The fact that this type of art didn't fit neatly into people's ideas of what art should be was the reason it was called 'conceptual'.
Conceptual and contemporary art got a huge reaction out of people because they felt conned and marginally embarrassed when, for example, they looked at Martin Creed's light going on and off and 'didn't get it'. They didn't like the fact that they couldn't work out the true meaning of what the artist was trying to get across.
It also got a reaction for another reason which was the simplicity of some of the 'art'. I'm sure that when all the people who were working long hours every week looked at the well-paid artist Tracey Emin's unmade bed they were desperately screaming to themselves, "BUT I COULD DO THAT!" and thinking whether conceptual art is even worth looking at.
Maybe some of us are completely missing the point they are trying to get across. Maybe instead of drowning in the depression of how easy, and perhaps...


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Welcome to Not Me! Monday! This blog carnival was created by MckMama. You can head over to her blog to read what she and everyone else have not been doing this week.
It's been a few weeks since I have participated in this blog carnival, but now is as good a time as ever to jump back in!
This week, I certainly did not eat more than my fair share of baked goods, while we had a storm that lasted days, a rare occurrence here in Sunny So Cal. I did not finish off half a loaf of beer bread on my own, as well as polish off lots of cookie dough batter and freshly baked cookies. Not me!
I was not right twice this week, about two of my daughters needing antibiotics. The doctors I saw did not seem a bit incredulous that a parent knew when to bring their sick children in.
In the midst of a chaotic week of sick children, I did not find myself at the fine establishment of 7-11, purchasing bananas and macaroni and cheese. I would never buy fruit at a convenience store. Not me.
I am not considering myself a Z-list Celebrity (not even good enough to make the D-list) because I tweeted about Carrie Underwood & Jillian Michaels, and then got this reply.
Adding to my Z-list, or maybe pushing it to X-list Celebrity status, MckMama's new friend from the cruise, was not on my floor as a freshman when I was a Resident Assistant. I did not connect with her on Facebook recently, and then just a few weeks later see her in a photo MckMama tweeted from the MckCruise, and then see reference to her and her husband (who she was dating while in college) on MckMama's blog. And I'm not shameless enough to blog about my tiny thread of a connection to her. (And if we're not being shameless, she was in the room next to me, and just as sweet as can be.)
And in closing today, while bathing my toddler and baby, I did not find myself telling my almost 3-year old to "please don't put that spoon in the baby's crack." And at lunch with friends this weekend I did not tell same toddler , "please stop yelling nipples" and "please stop yelling that your nipples are bigger." Nope, not me. My children are well behaved and would never speak with such inappropriate language. And of course I do not find myself stifling laughter whenever I have to say things of this nature.
Not me!


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7 Sunscreen Myths to Get Straight Before Summer
We shed some (protected) light
Sunblock: It's a summer staple--along with strappy sandals and bottles of rosé. But for something that's so commonly found in your cabinets and beach bags, it sure is misused. Here, we clear up any confusion so you can bask--not burn--in the light.
Myth: The higher the number, the better
Truth: The number merely indicates how long you can stay in the sun without burning--not how much protection it provides. (So tell your sun-phobic friend who only buys SPF 85 to relax.) Most dermatologists agree that an SPF of 30 (or 50 if you're going to be in direct sun) is adequate. More importantly, make sure that it says "broad-spectrum" on the label, which means it protects against both UVA and UVB rays.
Myth: It doesn't matter when you apply it
Truth: Your skin needs at least a half hour to soak up the sunscreen in order to provide proper protection. Keep a bottle by the sink and make it one of the first things that you do each day (say, right after washing your face) so you don't end up slapping it on haphazardly while rushing out the door.
Myth: It doesn't matter what type you use
Truth: Sticks, lotions, oils, sprays…the best type of sunscreen is the one you'll enjoy using the most (so you won't mind reapplying it). Lotions are great because they can be applied easily from head to toe, but sprays are gaining popularity because they're so darn convenient. To make the most of your mist, hold the can a few inches away and spray until your skin is noticeably glistening. Then rub it in well so it doesn't wipe off when you get dressed.
Myth: A thin layer is enough to cover you up
Truth: You probably don't give much thought to exactly how much sunscreen you're applying, but chances are it's not enough. If you're spending the day outdoors, derms recommend that you use an ounce (approximately a shot glass full) of the stuff on the exposed parts of your face and body. If you're headed to the office, then, OK, just a quarter-sized amount for your face and neck will suffice.
Myth: You don't need to reapply waterproof formulas
Truth: Technically, it's not waterproof--just water-resistant, which means it wears off eventually. Like when you sweat, or swim, or towel off. If you're coming out of the water, reapply as soon as you get out and are dried off. If you're just lounging (and sweating) outside, reapply every two to three hours.
Myth: You don't need it on cloudy days
Truth: Though it certainly looks (and feels) like the clouds are covering up the sun, they're not blocking its rays. UV rays are present all year round, in all parts of the world, no matter the forecast. And clouds can actually reflect the rays, causing even more damage to your skin. Lather up.
Myth: Last year's bottle should do
Truth: An expired bottle of sunscreen is just about as good as an expired bottle of milk. The active ingredients (you know, the ones that protect your skin) break down over time, making them ineffective. At the start of each season, give your beach bag a good purging--and restocking.


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Herringbone Cashmere V-neck Sweater
Herringbone Cashmere V-neck Sweater
Cashmere goats are so ornery that centuries ago, Mongolian villagers gathered the wild animals' soft underfur from the scraggly bushes that surrounded their high hillside villages rather than risk physical harm. The best cashmere still comes from the region, where only slightly more domesticated goats roam the high valleys. Men's cashmere sweaters in camel. Pure cashmere. Hand wash. Imported.
Add To Cart


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Welcome to our website! As we have the ability to list over one million items on our website (our selection changes all of the time), it is not feasible for a company our size to record and playback the descriptions on every item on our website. However, if you have a disability we are here to help you. Please call our disability services phone line at 508.875.7600 during regular business hours and one of our kind and friendly personal shoppers will help you navigate through our website, help conduct advanced searches, help you choose the item you are looking for with the specifications you are seeking, read you the specifications of any item and consult with you about the products themselves. There is no charge for the help of this personal shopper for anyone with a disability. Finally, your personal shopper will explain our Privacy Policy and Terms of Service, and help you place an order if you so desire.
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Related Pages
British Values
The DfE have recently reinforced the need "to create and enforce a clear and rigorous expectation on all schools to promote the fundamental British values of democracy, the rule of law, individual liberty and mutual respect and tolerance of those with different faiths and beliefs."
The Government set out its definition of British values in the 2011 Prevent Strategy, and these values have been reiterated this year (2014).
Please click on the link below to look at a PDF from the DFE explaining how schools can promote British Values through SMSC (Spiritual, Moral, Social and Cultural) education.
Department for Education document - British Values


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He's Reinventing The Dog Collar, And It Might Just Save The Life Of Your Puppy.
Dogs in some ways are a lot like kids. They require their humans' watchful eye to ensure they stay out of trouble as well as keep safe. When jogging at night with your pup, it's very easy for cars to not see the animals. The company Squeaker has created a LED light collar that allows drivers and cyclists to see dogs. And if your enthusiastic canine runs off or is stolen, the collars come with GPS tracking. Furthermore, the band even monitors the pet's daily activities like sleep, steps taken, and calories burned.
Watch this cool video that just made taking care of our furry friends a lot easier.
Next, 18 awesome life hacks for dog owners.
Source: Squeaker


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I am the part-time director of a charity, and also have a business. Is it legal for my business to sell materials to the charity, if the Board approves the sale? Is it legal for the charity's administration to demand that I donate the proceeds of the sale back to the charity?
Posted 07-13-2011
Ann Kiernan replies:
As long as you have fully disclosed your ownership interest in the supplier, and you are giving the charity a fair price for the goods you are supplying, the business arrangement sounds OK to me. The mandatory kickback-disguised as a donation-does not! Please run this idea by the charity's legal counsel.
Information here is correct at the time it is posted. Case decisions cited here may be reversed. Please do not rely on this information without consulting an attorney first.


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