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Mitigating risk in M&A and private equity transactions
October 2012 | 10QUESTIONS | PRIVATE EQUITY
FW speaks with Michael J. Schoenbach, CPA, a managing director at Aon Financial Solutions, about mitigating risk in M&A and private equity transactions.
FW: Could you outline the growth of M&A insurance (or 'transaction liability' (TL)) products over recent years? How much capacity is currently available for M&A insurance programs? Who are the insurers?
Schoenbach: The use of TL or M&A insurance has expanded exponentially over the past 10 years. We estimate that the global market will place in excess of $5bn of policy limits for 2012 based upon historical placement rates. Product acceptance has grown, consistent with the desire to minimise risk and quality of coverage provided; the knowledge that the products exist and have performed as advertised; the decrease in cost combined with the increase in the speed of execution; and the reliability and ease of the underwriting process, which is not invasive or time consuming. The largest buyers of these products have been private equity firms who utilise them to transfer risk at a fixed price and solve a variety of problems including tax, litigation, representation and warranty (R&W) / indemnification, contingencies, and fraudulent conveyance. Capacity will vary by product but generally up to $300m in limits are available for all products. Insurers include well-known and stable carriers including Lloyd's of London, Hartford, Chartis (formerly AIG), Zurich and a variety of supporting companies and new entrants.
FW: What is the claims process? Do insurers pay claims under these policies? What exclusions exist?
Schoenbach: Exclusions are generally straightforward and minimal. Unlike traditional insurance products, the TL solution addresses a specific issue – for instance, whether a tax position can be insured or not. Thus the policy is customised for each situation and all wording is signed off prior to binding by the client's team of advisers including counsel and brokers who specialise in these products. The intent of coverage is clear, which results in less ambiguity when a claim is presented. If the policy covers existing litigation, or tax, the primary exclusion will be for fraud. For an R&W policy, the principal exclusion will be actual knowledge of a breach upon inception of the policy, with knowledge limited to key deal team members. Since this business revolves around reputations and the universe of participants is relatively small, failure to pay an otherwise covered claim by an insurer will cause the carrier extreme difficulty in attracting new business in the future.
FW: Very briefly, can you provide an insight into the details of these policies, such as who is typically covered under an M&A policy; the duration of the policy; the standard pricing; and how long it takes to place these policies?
Schoenbach: M&A insurance allows buyers or sellers to transfer specific risk inherent in an M&A transaction to insurers. Examples include strengthening the seller's indemnity to the buyer for breach of R&W, or replacing a specific indemnity to the buyer for a known tax issue or pending litigation. Coverage is designed to replicate or enhance the general term of an indemnity. R&W policies can match or exceed the survival period in a given transaction whereas tax and contingent liability policies will generally track the relevant statute of limitations. Pricing is generally expressed as a percentage of the policy limit desired, is paid as a one-time premium at the close of a transaction, and will vary based upon product, risk profile and geography – insurance is generally more expensive for US risks than European risks. For example, an R&W policy may cost 3 percent of the policy limit in the US but could be as low as 1 percent in Australia or the UK. Tax is more expensive due to the statute of limitations, and potential for a large loss as well as the likelihood of settlement, while litigation policies are the most challenging to underwrite and are therefore the most expensive, and can range from 8-10 percent with exceptions higher and lower on a deal by deal basis. R&W policies are designed to cover unknown breaches while tax and litigation policies generally cover known events. The retention will influence price, as the insurer will seek to align interests with the insured. On timing, it is generally advisable to reserve a minimum of two to four weeks for underwriting and policy drafting to achieve best results, and longer for litigation, but the individuals working on these are M&A professionals and work on deal time, and much shorter deadlines have been met.
FW: How can M&A insurance be used strategically to improve a bid, allow sellers to achieve a clean exit, or simply remove a roadblock?
Schoenbach: Strategically, shifting risk to the insurance markets creates opportunity to alter leverage in a negotiation. R&W insurance is the perfect example in a bid or auction scenario. By utilising R&W insurance, buyers can offer sellers a below-market indemnity cap while maintaining significant indemnity protection, through their R&W policy, for a minimal incremental cost that can be shifted to seller through the purchase price negotiation. Similar tactics can be used around tax issues and other specific indemnities. Alternatively, in order to seal a great deal, the seller may agree to an onerous indemnity provision if it can obtain an insurance backstop. Or, the seller can dictate a below-market indemnity cap to the buyer if it can simultaneously present the buyer with a comprehensive insurance solution. The policy closes the gap between the indemnity that the seller can abide and that the buyer needs. Roadblocks arising out of tax issues, pending litigation or other specific indemnities can be similarly overcome by shifting risk to the insurance markets.
FW: What considerations should parties take into account when determining whether an M&A insurance policy is right for their particular situation?
Schoenbach: The deal dynamics that lend themselves to the successful utilisation of M&A insurance include a disconnect between the buyer and seller over the scope of the indemnity and what may be 'market' or 'customary' for the deal in question; practical limitations in securing or offering sufficient levels of indemnity; competitive auctions in which buyers seek to distinguish bids while avoiding competing on price alone; or sellers seeking a clean exit from its investment with little or no lingering post-closing liabilities. The spectre of known issues, whether a tax matter, lawsuit or other contingent liability, may also create an impediment possibly surmounted by M&A insurance. Generally, the cost of such insurance is quite small in comparison with the value proposition of closing a deal and transferring risk. We recently helped a new client close a $750m transaction utilising R&W insurance to supplement an escrow and indemnity, which also had the favourable impact of reducing the purchase price.
FW: What are the functions and benefits of representations & warranties insurance?
Schoenbach: R&W insurance offers parties the ability to transfer the risk of loss resulting from breaches of the seller's representation & warranties to a third party insurer. There are many benefits to this arrangement, including protection where seller indemnification is limited or not available. R&W insurance can supplement such reduced cap or stand in as sole recourse where indemnification is not provided. R&W insurance also affords sellers 'sleep at night' insurance, serving as a backstop to the seller's indemnity, and provides a creditworthy counterparty to satisfy claims. This is particularly useful if the buyer has concerns with the seller's financial wherewithal and ability to collect on indemnity claims in the future, particularly when survival periods last several months or years after the closing date. Further, the ability to utilise R&W insurance as a means to accommodate a seller's desire to reduce or eliminate an escrow/indemnity cap, while meeting a buyer's goal of robust protection should issues arise, affords the parties a great deal of leverage and may free up negotiating capital to focus on other key aspects of the deal. Additional benefits to incorporating R&W insurance into a deal include the ability to assign the policy to a future buyer of stock or assets of the target company as well as the ability to secure significant limits for a greater level of protection – up to $300M in the marketplace for any one deal.
FW: What role can tax insurance play in an M&A deal – and do you need a tax opinion?
Schoenbach: Tax insurance is an economically efficient vehicle that will indemnify the insured party for taxes, interest, penalties, and contest costs if the relevant tax authorities – whether federal, state or local or foreign – do not respect the insured tax positions, especially when the amounts at risk are large and the price to transfer risk is low. For example, tax insurance has been used in the context of tax-free reorganisations, net operating losses, transfer pricing, FIN48, and tax credit investments. It also is not uncommon for tax insurance to be written to protect a seller against liability under a tax indemnity provided by a seller to a buyer. It is not necessary to have a tax opinion, although a memorandum or 'road map' will help underwriters get up to speed quicker. A rough 'indication' of cost and whether or not coverage is likely to be granted can usually be provided within 48 hours. Several sellers have successfully utilised tax insurance in difficult situations to bridge a purchase price adjustment by purchasing coverage subject to the anticipated closing.
FW: What are contingent liability policies or litigation buyout policies, and what value can they bring to a transaction? Are there other unique policies available to insure 'special situations'?
Schoenbach: Nothing can get in the way of concluding a transaction like pending litigation or an expected claim. Litigation buyout policies are unique insurance policies that introduce insurance capital to transfer or ringfence these issues. The litigation buyout policy offers a means to bring certainty to the buyer over its financial exposure should the result of the litigation be worse than expected. This will allow the buyer to ask less of the seller or enable the seller to 'box' the exposure for a fixed cost without incurring indemnity or an escrow. Potential subject matters are broad, ranging from traditionally insured risks, such as securities claims, employment practices claims and construction disputes, to other subjects, such as intellectual property, tax controversies, and so on. The insurers that will underwrite litigation buyouts policies and the other transactional risks can also be very adept at offering capital to protect against other one-off risks, such as policies covering successor liabilities.
FW: Are there insurance solutions designed to address the unique issues and problems associated with distressed M&A? What about cross-border deals, including those into emerging markets?
Schoenbach: An insurance policy from a strongly-rated insurance carrier offers more reliable protection than a promise from a 'going concern' seller. In other situations, sellers in 'wind down' mode structured insurance policies into their proposed purchase and sale agreement that would stand in place of traditional indemnities and were issued to the buyer at close with the seller absorbing the cost of the insurance. While more time-consuming, programs can bring certainty to distressed transactions where insolvency is a concern. One example is fraudulent conveyance coverage which insures that a particular transaction will not be challenged as a fraudulent or preferential transfer should there be an insolvency following the transaction. With respect to cross-border transactions, M&A products have been very well received, particularly with foreign buyers – in fact, in some areas, such as Australia, the use of R&W policies in lieu of a seller's indemnity is now the norm. Competition in these areas has driven down the price of these programs, especially R&W.
FW: What are the benefits of using a broker with a specialty M&A practice that is experienced with transaction liability products?
Schoenbach: The TL business is highly specialised and requires a level of expertise and creativity to accomplish most client objectives. Brokers must be familiar with the complexities of the M&A process, appreciate the nuances of the transaction structure and have dedicated staff working within aggressive time constraints. This assures a smooth process and confidence that the insurance part of the transaction will be at the closing table. Absent that skill set, an insured runs the risk that the entire process can go sideways and delay or kill a deal. Many brokers who are not familiar with TL products will rely on the insurance markets to explain and dictate the process to their clients, which may lead to gaps in coverage or fail to achieve anticipated results. On the back end, should a claim arise, experience, knowledge and leverage are equally important to ensure the best outcome possible. Ultimately, the more extensive the relationship between a knowledgeable broker and the insurance markets, the better the result for the client.
Michael J. Schoenbach, CPA, is a managing director at Aon Financial Solutions based in New York City. He has 33 years of accounting, finance and insurance experience. Prior to joining Aon, he consulted to a major underwriter and helped them retool their underwriting guidelines. He has successfully managed an underwriting facility for Lloyd's and has been with Aon for 21 years, where he has developed TL products and led a team working with clients to provide ongoing transaction solutions. He is supported by teams of lawyers and insurance professionals in NY, Philadelphia, Denver, London, Bermuda, Sydney, Tokyo & Singapore. Mr Schoenbach can be reached on +1 (212) 441 2337 or by email: email@example.com.
© Financier Worldwide
Michael J. Schoenbach
Aon Financial Solutions


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Ant-Man (2015)
- Rating
- Release Date
- July 17, 2015
- Director
- Peyton Reed
- Written by
- Edgar Wright, Adam McKay, Joe Cornish
- Cast
- Paul Rudd, Michael Douglas, Evangeline Lilly, Corey Stoll
- Latest News
- Synopsis
Biochemist Dr. Hank Pym uses his latest discovery, a group of subatomic particles, to create a size-altering formula. Though his first self-test goes awry, he develops an instrument that helps him communicate with and control insects, something he must pass down to his unlikely apprentice, Scott Lang.
Former S.H.I.E.L.D. scientist Hank Pym (Michael Douglas) is alarmed when his protégé Darren Cross (Corey Stoll) announces his near success in replicating his shrinking technology. Representatives from HYDRA are looking to buy the suit that could cause massive destruction and Hank must find a man who can successfully infiltrate a tightly guarded facility.
Ex-convict Scott Lang (Paul Rudd), who happens to be a brilliant systems engineer, was lured into a test designed by Hank and his daughter Hope van Dyne (Evangeline Lilly), which he passed. After rigorous training which included the manipulation of a technologically advanced suit, control of ants and physical fighting skills, Scott becomes the new Ant-Man.
Together with Hank, Hope, and his friends Luis (Michael Pena) and Dave (Tip Harris), Scott must fight with Darren who has perfected his version of the suit called the Yellowjacket. Also included in the cast are child actress Abby Ryder Fortson who plays Scott's daughter Cassie, actess Judy Greer as the estranged wife Maggie and actor Bobby Canavale as her new husband Paxton.
Just like other Marvel Cinematic Universe franchises, Ant-Man is based on a comic character created by Stan Lee. Rudd also was also part of the writing team together with Edgar Wright, Joe Cornish, and Adam McKay. The film was directed by Peyton Reed and produced by Kevin Feige.
The movie also features actor Anthony Mackie's Falcon who Ant-Man got into a fight with while trying to infiltrate the Avenger's headquarters. Ant-Man would soon join him on Steve Roger's (Chris Evans) team in the movie Captain America: Civil War.
Filming for the sequel Ant-Man And The Wasp is currently underway and as the title suggests he will be joined by Hope as the Wasp. The upcoming movie is scheduled to hit theaters on July 6, 2018.

subset: commoncrawl


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Big Bend Conservancy
2019 BigBendChat Calendar on sale now!
I finally made my way there, and as advertised it was almost surreally silent. I could definitely hear the ringing in my ears caused by naval gunfire in my Navy days. I don't hear it in normal city background noise.
One thing I cherish about the Bend is that silence. I once heard a mosquito at 6 feet away, just before he landed on my ankle and bit me.
All photographs and content posted by members are to be considered copyrighted by their respective owners and may not be used for any purposes, commercial or otherwise, without permission.


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Evaluation of two fibrous wound dressings for the management of leg ulcers: Results of a European randomised controlled trial (EARTH RCT).
This RCT was designed to evaluate the performance (efficacy, safety and acceptability) of a new micro-adherent absorbent dressing (UrgoClean®) compared with a hydrofiber dressing (Aquacel®) in the local management of venous leg ulcers, in the debridement stage.
Improving clinical outcomes and patient experience through the use of desloughingl.
This article focuses on and aims to clarify the role of desloughing as a priority in modern-day wound care. Ambiguity around identification and slough removal has long been a clinical challenge..
Wound-bed preparation: the importance of rapid and effective desloughing to promote healing.
This article describes effective ways of diagnosing and removing slough from a wound bed. It highlights how slough is a key contributor to wound chronicity, and gives practical clinical information on how to address this.
Slough and biofilm: removal of barriers to wound healing by desloughing
The presence of non-viable tissue in a chronic wound presents a barrier against effective wound healing, hence removal facilitates healing and reduces areas where microorganisms can attach and form biofilms, effectively reducing the risk of infection. Wound debridement is a necessary process in those wounds that have evidence of cellular debris and non-viable tissue...
Three goals: deslough, manage exudate and promote healing
Clinical benefits of UrgoClean


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Bohemian style interior design is a way of designing that makes your home a perfect place to sit back and relax; it's classy without being too formal. It also showcases your rebellious nature. This means that you can outright reject conventional and boring interior design from Singapore. However, the best part of having such a design for your home is that your home will not look like other mundane and uninspiring homes. Usually, people with artistic sensibilities choose the bohemian option. If you are someone who likes to have lively rooms, replete with interesting things and innovative styling of furniture, you should read on to know how you do it.
Do not organize in the usual way
Organization and meticulousness is for ordinary homes. Moreover, it signifies discipline and lack of passion. Bohemian interior design is all about being and looking busy, not settled – even it means in your living rooms or your kitchen! Place that flower vase in a random corner of that table top. Use unconventional accessories for different places. If you have paintings or photographs waiting to be hung, it is better to let them remain un-hung – decked up near a wall. This symbolizes deliberate carelessness and the spirit of a traveler. This is a perfect way to showcase your bohemian style.
Accessorize empty spots
The bohemian style needs empty spots to be utilized. This is not to mean that every wall in your house has to be completely covered, but you can use spare accessories and hangings to embellish evidently blank and banal spaces. For instance, you can use jewelry, wall hangings, and minimalistic shelves, clocks of different types, lanterns and even mirrors to fill up blank spots. You can even ask your interior designer to include deliberate blank spaces that you can fill up yourself later.
Ethnic is chic
Bohemian interior design is for people who live a bohemian lifestyle. It should reflect a spirit of multi-ethnicity and wanderlust. Ethnic boxes, bottles from decades ago, cutlery of different kinds, old maps and faux skulls and seashells are all good examples of ethnic items. Another idea is to extensively use tapestry and rugs instead of ordinary paintings and hangings. Neon effect signs are a recent addition to the list. To cut the story short, bohemian interior design should show transcendence of culture and space.
Have interesting furniture
If you want to have a bohemian home, you will have to collect vintage furniture and unorthodox accessories. Some examples can be teakwood bowls, cart tables, engraved tables and corner shelves. Make sure that every piece of furniture catches your guests' attention and tells a story. Popular choices in bohemian furniture are fainting couches and chaises in dark colors and with ornate patterns.
Don't choose everyday colors
Even though bohemian style of decorating doesn't follow any rules as such, but earthy hues and metallic shades are always good bohemian interior choices. These include brown, terra cotta, golden, dark purple, electric blue and intense shades of orange. White is a complete no-no. Warm colors are bohemian. But be sure to mix and create outrageous combinations.


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Management Companies not Value for money
Not sure if this is the correct forum but I have an issue with the service level.
The general maintenance and landscape maintenance in particular is very very poor. Despite a number of complaint from myself and other landlords the level of work is almost non existent.
They have changed contractor for at least the outside areas but it is still an un-kept shambles with long grass patches/areas, brambles weeds and small self seeded bushes growing in the paving (I had to pressure them to remove what was becoming a small tree from within the open waste store! This also only has two small wheelie bins for 8 studios.
The "secure" entrance doors do fit very well with no closing on one off them, the intercom system continuously makes a noise and the internal lighting is not very good in that it only comes on for set time and it can be very dark in the communal areas.
The option maybe to go the Right to Manage route which I think we will need 51% of owners.
Any advice or experiences on either would be much appreciated.
Want to read more?
This is a members only forum, if you want to read more you need to login to your membership, if you are not a member, click here to join.


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The global Dental Loupe market is valued at USD XX million in 2017 and is expected to reach USD XX million by the end of 2025, growing at a CAGR of XX% between 2018 and 2025
- Advertising -
Geographically, this report is segmented into several key Regions, with production, consumption, revenue (million USD), market share and growth rate of Dental Loupe in these regions, from 2013 to 2025 (forecast), covering
- North America
- Europe
- China
- Japan
- Southeast Asia
- India
Complete Report Available at www.themarketreports.com/report/…eport-2018
Global Dental Loupe market competition by top manufacturers, with production, price, revenue (value) and market share for each manufacturer; the top players including
- Carl Zeiss Meditec
- Orascoptic (Kavo Kerr)
- Halma
- Heine
- Designs For Vision
- Surgitel (Gsc)
- Sheer Vision
- Seiler Instrument
- Perioptix (Denmat)
- Kawe
- Rose Micro Solutions
- Admetec
- Nse
- Xenosys
Access Report Details at: www.themarketreports.com/report/1077296
On the basis of product, this report displays the production, revenue, price, market share and growth rate of each type, primarily split into
- TTL Loupes
- Flip-up Loupe
On the basis on the end users/applications, this report focuses on the status and outlook for major applications/end users, consumption (sales), market share and growth rate of Dental Loupe for each application, including
- Hospitals
- Dental Clinics
- Ambulatory Surgical Centers
Inquire about this Report at: www.themarketreports.com/report/…ry/1077296
News From
Category: Market Research Publishers and RetailersCompany about: The Market Reports aims to provide the best industry and market reports to a seeker. We are looking forward to a place where we are the one stop destination for all the report seekers irrespective of any country, category, domain, etc. We are always open on call and email (24*7) to your queries and very clean with the business methodology. Since we are dealing with so many Publishers, we can actually give you what suits best in accordance to your requirements.


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Self-Storage – Auto & Boat Storage in Seneca Falls, NY
Canoga Self-Storage in Seneca Falls, New York, is your key to convenience. We offer multiple self-storage unit sizes for your household or commercial storage needs. At Canoga Self-Storage, you rent your storage space month to month, no long-term contracts required.
Auto Storage
Self-Storage Sizes Both Large and Small to Meet Your Specific Needs
For Commercial and Residential Self-Storage Needs
Boat Storage
Safe, Secure, Dry Storage Units
Canoga Self-Storage has two locations in Seneca Falls. We are located behind J.B. Collision & Auto Sales, Inc. at 3891 Route 89 and our other location is at the corner of Stevenson St. and Garden St.
Click here to view our website dedicated to Self-Storage!
We Provide the Best in Self-Storage and Much More
- Collision Repair
- Auto Glass Replacement
- RGC Dock Systems
- RGC Boat Hoists
- Used Vehicle Sales
For more information about any of our services – auto body repair, auto glass replacement, auto storage, dock systems, hoists, and used vehicle sales, call (315) 549-8257. We look forward to serving you!
Areas Served
J.B. Glass serves Cayuga & Seneca Counties and these New York cities:
Auburn, Cato, Cayuga, Fair Haven, Fayette, Geneva, Groton, Interlaken, Ithaca, Jordan, King Ferry, Lansing, Lodi, Lysander, Martville, Moravia, Ovid, Owasco, Phelps, Poplar Ridge, Port Byron, Red Creek, Romulus, Scipio Center, Seneca Falls, Skaneateles, Sterling, Trumansburg, Union Springs, Waterloo, Weedsport.


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Wednesday, October 19, 2011
The Man Who Wrote The Story Songs
It's a long time since I'd listened to Harry Chapin. Last week I spotted a newly released package of five of Harry's albums and I snapped it up, eager and curious to revisit the past myself, if only for a short while.
Harry was known as one of the main proponents of the "storysong," or 'folk/rock ballad," which had become popular in the late 60's, early 70's. Harry's songs, some of them more than five minutes in duration, were like mini-movies, telling tales of life with a hauntingly reflective, emotive pull.
Harry's songs were the kind to which people from all walks of life could relate. What surprised me, all these years down the line, was that those songs were even more topical and relevant now than they were back then. One of the hallmarks of a great storyteller is the timelessness of his tales, regardless of the medium in which they are told. So hats (and beanies etc.) raised now to Harry Chapin.
Many will know Harry's song, "Cat's In The Cradle," the story of a father and son, a No 1 hit for Harry in 1974, and a top 10 hit again in the 90's for rockers Ugly Kid Joe. Another of Harry's hits, "W-O-L-D," takes us on a road trip with an ageing DJ, "feeling all of 45, going on 15," trying to relive past glories. It was one of several inspirations for the producers of 70's tv series, "WKRP in Cincinnati."
Another song, "Sniper," is a riveting, multi-layered lyric and melody, told from several points of view, of a tragic mass shooting. If there is a song more revealing and insightful now than even back in the 70's, then it is this one.
One of my favourites, "Mr. Tanner," has insights to which every writer, singer, actor, musician, or creative artist can identify. It's the story of a small town tailor, loved by the townspeople not just for his tailoring, but for his beautiful baritone voice. Mr. Tanner always sings in his shop and his friends and customers encourage him to sing professionally.
The story of his debut, and of the harsh comments by critical snobs will bring a lump to your throat and a tear to even the most hardened eye. Check out this link to a performance of the song and I don't like to make guarantees, but you'd have to be a robot not to be moved by "Mr. Tanner."
Harry recorded and performed widely throughout the 1970's. He was also an active humanitarian, co-founding the World Hunger Year Organization, and in 1987 he was posthumously awarded the U.S Congressional Gold Medal. He was taken from us too soon, the result of a heart attack and car accident at just age 38, in 1981.
Perhaps the most fitting way to close this post about the man who wrote the storysongs, is from his epitah (taken from his song,"I Wonder What Would Happen To This World");
"If a man tried to take his time on Earth
And prove before he died
What one man's life could be worth
I wonder what would happen to this world."
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In and beyond the classroom
In the classroom, students have specialist Music and Drama teaching across the whole School. Through weekly lessons students learn the language, theory and concepts via a range of practical and academic tasks. Once students reach Key Stage 4 and beyond, they have access to GCSE and A Level courses that will prepare them for further, advanced study of their chosen subject.
Beyond the classroom, the possibilities are endless. For those who wish to pursue the learning of an instrument, or improve their speech, dance, theatre and drama skills, we offer individual weekly lessons across a wide range of instruments, individual LAMDA lessons and private dance lessons. Students can work towards graded exams in LAMDA (speech and drama), ABRSM and Trinity College London (instrumental, singing and musical theatre) and ISTD (ballet and modern).
Students are offered an extensive programme of activities that run over lunchtimes. In Music and Drama alone there are currently 24 weekly activities on offer, that range from all kinds of performing opportunities, to music studio production techniques, to school productions. This year our senior production is a modern language reworking of Shakespeare's A Midsummer Night's Dream, written and directed by our Head of Drama, Ken Lawrence. Called Dream, Dream, Dream, it will feature a live rock 'n' roll band and a glee club. The performance is scheduled to take place at the Devonshire Park Theatre in late February or early March. We also plan regular trips to see concerts and productions, both locally and further afield, and throughout the year, for all students.
The Faculty runs a wide range of musical, dance and drama activities including the chance to take part in various musical productions throughout the year. The activities are run during the activities slot from 1.10-2pm (Pre-/Lower Prep) and 2-3pm (Upper Prep/Seniors). In addition some classes run as part of the School of Music and Performing Arts evening programme.
The main activities on offer for 2017-18 are as follows:
Elite A Cappella Vocal Group (by audition)
En Chantant (by audition)
Chamber Choir
Lower Prep Choir
Pre Prep (reception, years 1-2)
KS1 Music Club
Musical Theatre
Lower Prep (years 3 – 5)
Musical Theatre
Lower Prep Players
Recorders & Ukulele club
Tap Dancing
Upper Prep – (years 6 – 8)
Theory & Composition
Orchestra (by invitation)
Brass Ensemble (by invitation)
Upper Prep Players
Ukulele Club
Elite Dance
Musical Theatre
Tap Dancing
Senior (Years 9 – 13)
Theory & Composition
Orchestra (by invitation)
Brass Ensemble (by invitation)
Ukulele Club
Elite Dance
Cubase & Composition
Rock Band
Introduction to Studio Production Techniques
Musical Theatre
Tap Dancing


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July 2019
Lapua Practical Rimfire Challenge Series Match 4 – 7/27/19
The Lapua Practical Rimfire Challenge Series (PRC) is now in its 3rd year, with Lapua as the Title Sponsor. Gold Level sponsors are Zeiss, Magnum Research and CMP Steel Targets. The 2019 Lapua PRC Series is a FIVE match series with a prize table, shot over the course of the 2019 shooting season at the Peacemaker National Training Center. There will be an exciting finale with special stages to end the series. The Practical Rimfire Challenge (PRC) is designed to provide…Find out more »


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Kudos to Jamie Oliver for Leading the American Food Revolution
"For all the debate lately, one basic fact about America's health care crisis is rarely mentioned. Namely, the one thing that could really reform health care is you, collectively speaking: People living healthier lives."
- Steve Lohr, New York Times
As I've listened to the health care debate over the last year, my main concern has been the limited focus on preventative medicine. Did you know that studies show that 50 to 70 percent of the nation's health care costs are preventable? And do you know one of the best ways to prevent disease?Eating a healthy diet!Here's something important to know: This is the first generation of children who aren't expected to live as long as their parents.It's an open secret that kids today are growing up in a soda-filled, carbo-centric, junk food culture. According to the Centers for Disease Control, childhood obesity has more than tripled in the last 30 years (and the numbers keep growing). This increase in obesity has both immediate and long-term health effects for our kids, and our country. For example:
- Obese kids are more likely to have risk factors for cardiovascular disease, such as high cholesterol or high blood pressure.
- Obese kids are at a greater risk for bone and joint problems, sleep apnea, social and psychological problems such as stigmatization and poor self-esteem.
- Obese kids are more likely to become overweight or obese adults, and therefore are more at risk for heart disease, type 2 diabetes, stroke, osteoarthritis, and several types of cancer.
- Obesity can cut off 10, 12, 15 years or more of one's life.
Lots of people may be aware of this information, but why hasn't there been change?The fact is that even if parents are trying to feed their children healthy foods at home, the school lunch programs around the country are feeding them JUNK. French fries and chicken nuggets are school lunch staples. Add to this, the soda and candy vending machines around school serving your children sugar bombs are destined to set them up for diabetes, mood swings, and in my opinion, attention deficit issues.Jamie Oliver, chef, foodie author and television personality, is now on a mission to change the way America eats. After airing a four-hour television series in the UK aimed at improving school lunches, he got the British government to allocate one billion dollars to revitalize the British school lunch system. The revamped program includes more fresh foods, more local foods, better food standards, and no more junk in the vending machines. Nice work! Now Jamie is on an even bigger mission in the US doing what he calls, "Jamie Oliver's Food Revolution." Through a TV series, recently published book, and his website, he is inviting Americans to take a stand and change the way we eat in our home kitchens, schools and workplaces.Can he do it?Luckily he's got First Lady Michelle Obama on the same team. Last month Michelle launched her Let's Move initiative aimed at solving the childhood obesity epidemic (within one generation!). Let's Move was designed to get healthier foods in schools, give parents support to make healthier choices for their children, and get families up off the couch and active together. Furthermore, and I think probably the most important aspect of the program, it is focused on getting healthy, affordable food available in every part of the country. Whether we want to talk about it or not, money is a core element of the health equation, and cannot be ignored."The culture of supermarkets - buy one get one free, and the bargain deals - is so weighted on the highly processed cheap foods, junk foods, snack foods, and drinks. But also give us some deals on something seasonal and local in America," said Jamie in an interview with Oprah that aired last Friday, the same day that Food Revolution premiered on primetime ABC.In my opinion, if our country wants to get itself back on its feet fiscally, health should be our number one priority. Without our health, what we do have? Now is the time to heal the huge disconnect between wanting to be the best country in the world and at the same time abusing our health, which is the very core of who we are. It is time to heal the rift between what we vision in our minds for our future, and what we are actually feeding our bodies in the present."Enough is enough," says Jamie. "The standards in this country are not protecting your kids, and I want mothers and fathers to get angry about this."Anger can be a good first step, as long as it fuels the fire for positive action.As with many things in life, just a little effort can make a massive difference. If you want to make a positive difference in the health of your children and in effect, the health of our country, here are some simple things you can do.• Shop for your family at your local farmer's market.• If you don't have a local farmer's market, buy local foods at your grocery store.• Buy organic as much as possible.• Take your kids with you to shop for foods and teach them where the foods come from.• If you have outdoor space, start a vegetable garden with your kids.• If you already have a garden, involve your kids in it.• If you have limited outdoor space, consider planting herbs, small lettuces, and cherry tomatoes in window boxes.• Talk to other parents about the changes you'd like to see in the lunch program at your child's school.• Attend PTA meetings and give voice to changes you know need to happen.• Talk to the school principal to open up dialogue about food at the school.• Sign Jamie's petition for fresh foods in school. Jamie will take this petition to the White House to show President Obama and First Lady Michelle Obama how many people across the country really care, and ask for their support.You can get healthy recipes to be used in your child's school or in your home on Jamie's website. The LunchBox: Healthy Tools to Help All Schools is also a great resource for healthy menus and recipes.Jamie Oliver's Food Revolution can be viewed on Fridays at 9pm/8c on ABC.*****************************************************************Tabby Biddle, M.S.Ed., is a writer and editor living in Santa Monica, CA. She specializes in women's issues, personal growth, health and wellness. Her writing has been featured by The Huffington Post, Los Angeles Times, USA Today, and other national media.


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The start of a new year often brings resolutions to stress less, work out more and to eat healthier foods. However, even if you aren't engaging in a major life overhaul, it is definitely a good time to clean out your fridge and dispose of all evidence of holiday excess. We just undertook this endeavor ourselves and have a few tips for you to make organizing it and maintaining it a little easier.
- After cleaning out your fridge and washing out the bins and shelves, consider lining your produce drawers with reusable cloth liners and your refrigerator shelves with clear plastic wrap to make future cleanings easy. The cloth liners can be tossed into the washing machine between uses and the plastic wrap can ripped up and replaced once something has spilled.
- Gather all like products together - such as produce, spreads or snacks - and put them in clear bins or baskets with labels. This makes finding and retrieving the items easier for you and the family as they can easily be pulled in and out. We even use a variation of the clear bin for the produce we use most often so that we can easily grab the tray and have everything we need in one place.
- If space is at a premium or you don't love everything in bins, try a Lazy Susan to maximize shelf space and keep everything within reach.
- For smaller fridges, check out these magnets that will keep your metal capped bottles on the ceiling of the fridge freeing up space below for more food items.
- Clearing out expired food would be easy if you could easily read the date. Our trick for staying on top of it at home is to write the date on the product in Sharpie so that it is easily seen. We also do this with items that have a shorter shelf life once opened such as chicken broth, tomato paste, etc.
- Avoid spoiled dairy and meat products by storing them on the lower shelves of the fridge where it is coolest, not the door where temperatures can vary through daily use. Also, consider putting all raw meat products in a clear bin so that any drips are contained and don't contaminate the whole shelf.
How do you organize your refrigerator?


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This article elaborates the recommended methods to fix a connectivity issue with the Galaxy S5 smartphone, particularly on the GPS. So, if you have landed into this page in an effort to find solution or workarounds available to fix the same issue on your Galaxy S5 device, then read on to find out.
Problem Overview
All of a sudden, my phone is unable to find my location. When I attempt to use the GPS, I am getting a message saying, "searching for signal."
Connectivity issues associated with GPS on the phone could be due to several reasons including the following:
- Location setting is disabled
- Maps software requires update
- Device software requires update
- GPS signal is blocked by a third-party accessory like a cover or case
- Visibility to GPS satellites is temporarily unavailable
- Physical or liquid damage on the device
- Temporary network outage
Primary Workarounds
After determining what has likely caused the problem to occur on the phone's GPS, you may now start with performing the following workarounds as your first resolution methods.
Be sure to test your phone's GPS after completing each of the following methods to see whether or not it has fixed the problem. If not, then that's when you proceed to the next method.
1. Perform a Soft reset.
Considering the fact that the problem has just occurred on your device, a simple soft reset will most likely get it fixed.
A soft reset is done by removing the battery for 30 seconds with the phone still on. After 30 seconds, re-insert the battery and turn the phone back on.
2. Try to step outside into an open area where there are no possible signal barriers from the GPS satellite. Please note that any obstructions to the sky view such as mountains, tall buildings, thick walls, dense canopy, and the like can cause your phone's GPS not to get a signal.
3. Check for any physical or liquid damage on the device, especially if you happen to drop or got it wet before. If a physical or liquid damage exists, then you will need to take the phone out for repair first.
4. In case your phone software is out of date, then check for any available software update available for your device model. An update may be required to get the GPS back up and running again.
5. To ensure the problem is not due to an outdate Maps software, then check for any available updates for Maos in the Google Play Store.
Recommended Resolution Procedures
If the problem is not fixed with the primary workarounds, then please proceed with verification of some network settings on your Galaxy S5, particulary the Location services.
To make the GPS feature work as it should, Location services must be turned on or enabled on the phone.
Here are the steps to verify Location services on the S5 handset:
1. Go to the Home screen to get started.
2. Touch Menu to continue.
3. Select Settings.
4. Touch More.
5. Select Location Services.
If necessary, touch the slider next to grant Access to my location to enable or turn the feature ON.
6. Put a check mark next to GPS satellites, to enable the feature.
7. Put a check next to Use Wireless networks. Turning this feature on will help in determining your location, with the use of mobile data and/or wireless networks information.
8. Go back to the Home screen.
9. Touch Apps.
10. Select Google settings.
11. Touch Location.
12. Put a check mark next to Access location.
13. Now, try to use your phone's GPS to locate your position again.
Follow these steps:
a. Touch Apps from the Home screen, then select Maps. Doing so will find your location using Maps on your phone.
b. Touch the GPS icon located in the upper-right corner of the map screen.
c. Look for the Blue Arrow. The blue arrow indicates your current location.
If problem continues to exist after performing the aforesaid resolution methods, then either you will proceed with a factory data reset or contact your network carrier to escalate this issue and to verify for any network outages that may be affecting the GPS function on your device.
If you opt for a factory data reset, then be sure to backup all your important data stored on your phone before you start the hard reset. Remember, a hard reset will set your phone back to its factory default settings, which means all your personal information will be removed. A backup can help you speed up file recovery after the hard reset on your device.


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The book is a practical guide to Australian class action law and practice. It examines in detail federal and state class action statutory provisions and case law along with the representative action procedures available under the rules of the various Australian courts. There is also detailed coverage of statutory provisions which facilitate class action or group proceedings in the areas of discrimination, migration, trade practices, corporations law, industrial relations and privacy.
In addition to a review of relevant statutory provisions, case law and procedural rules the book examines laws relating to fee arrangements, the funding of class action litigation and costs.
Numerous legal and practical issues relating to the commencement, conduct and conclusion of class action and representative proceedings are reviewed. The use of class actions in particular areas of law is examined with particular reference to toxic torts, product liability, investor litigation, price fixing, immigration and human rights.
The book also provides comparative information on class action litigation in other jurisdictions including England and Wales, Canada and the United States. This includes an examination of the potential for Australian claimants to bring proceedings in foreign jurisdictions.
The author has had considerable practical experience in the conduct of group and class action proceedings before Australian, English and United States courts and has taught litigation and a post graduate course on class actions and complex litigation at the University of Sydney Law School. The book will be of particular interest to litigation lawyers, academics, law students and members of the community with an interest in class action law and practice.
...Dr Cashman is in a unique position to survey not only the history but the current state of the law in several jurisdictions; developments that are happening overseas; and the way such actions can be organised, funded and brought to a successful conclusion. For the opponents of class actions, this book is a devil's catechism. For supporters, it will be an indispensable "how to do it"...
Dr Cashman will be one of the leading Australian experts in the field. He is to be praised for his uniquely devoted work on this subject and for his willingness to share his knowledge and experience in this useful text.... - From the Foreword by The Honourable Justice Michael Kirby, High Court of Australia
Table of Contents
Overview of Class Action and Representative Action Laws and Procedure Rules
Representative Action Rules in Australia
Fees and the Funding of Class Action Proceedings
Commencing a Class Action
Conducting a Class Action
Concluding a Class Action
Costs in Class Actions
Class Actions in Particular Areas of Law
Representative and Class Actions under Other Statutory Provisions
Class Action Litigation in Other Jurisdictions


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Table of Contents
Two Contra Costa locations: one in Lafayette and one in Concord/Pleasant Hill (note that this is based on a site visit to the Lafayette location).
Stat Med Urgent Care is an urgent care clinic with two Contra Costa locations that is expensive, but has a huge variety of urgent care services with drop in/almost no wait times. Walk-in urgent care 7 days/week staffed by ER physicians. This is a great referral for people with money who need something done FAST.
Phone: (925) 297-6396
-very thorough with lots of information
Locations and Directions
Two Contra Costa locations: one in Lafayette and one in Concord/Pleasant Hill (note that this is based on a site visit to the Lafayette location).
Lafayette: 970 Dewing Ave, Suite 100B, Lafayette, CA 94549
-roughly 5 minute walk from Lafayette BART
-ADA accessible
-has a parking lot
How to/who Get Services (Appt/Walk-In)
Walk in, no wait when I was there. Total in/out time might be around an hour.
-see anyone, including travelers, kids and uninsured (though might be very expensive)
Hours of Operation
M-F: 8am-8pm
Sat/Sun, Holidays: 9am-5pm
-take last patient roughly 30 minutes before closing
Languages Available
Most urgent care needs, can be an alternative to ER but not for life threatening emergencies.
-common illnesses (allergies, strep throat, ear infections, headaches, etc.)
-routine care (TB tests, physicals, medication refills)
-respiratory problems
-injuries or accidents (stitches, fractures, locations, sprains, minor burns, etc.)
-UTI, OB/GYN care
-bites, rashes, skin conditions
-blood tests (cholesterol, blood glucose)
-on site labs and x-ray
Definitely not a cheap place, but does take most insurance. Accept many private insurance plans and MediCare, but not MediCal. They claim to offer "significant discounts to cash paying patients" who are uninsured, and they can work out payment plans. Claim to be 80% cheaper than the ER in some cases. However, their baseline prices are extremely high.
Observations of space from site visit
-very clean and nice space, quiet, well maintained
-children's books and brochures available in the lobby
-clients were asked for ID when I was there


text: Researchers at North Carolina State University have developed lightweight wearable tech that can harness your body heat and turn it into electricity. The system comprises a layer of thermally conductive material that feeds body heat through a centrally located thermoelectric generator; a separate polymer layer helps retain body heat. The system is only two millimeters thick and could be integrated into everyday clothes, like t-shirts.


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Everybody needs to talk sometimes.
Welcome to college. Not the picture-perfect version of college in some slick brochure. But the real version where students can become stressed or depressed — stomach in knots — finding it difficult to function, or experiencing their first real anxiety attack. These issues do not define you or control you. But when you feel them, listen to your body and come talk to us. We're the Counseling Center at the UofM, where free counseling, wellness, and psychiatric services can make a huge difference in your semester. We will do everything possible to take away that feeling of being overwhelmed and help you get a firm handle on emotional, psychological, and/or interpersonal problems.
It's okay to get help. All of our services are confidential and most are available free of charge for currently enrolled students. We value and accept differences among people, including those of national origin, race, gender, gender expression, sexual orientation, ethnicity, functional ability, socio-economic status, age, and religious affiliation. We believe that valuing cultural diversity maximizes human growth and development and enhances the quality of life in our community and throughout the world.
Please feel free to contact us for assistance!


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sounds cool
stupid complete u2 and itunes....
treefingers505on November 04, 2007 Link
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Happiness is a Warm TV
What to Watch on Thursday: A '50 Shades'-type plot on 'Scandal'
Scandal (9 p.m., ABC) – In an episode with a "50 Shades"-type plot, Lena Dunham ("Girls") plays a woman who wants to expose sex secrets that could be damaging to Washington aristocracy, so Olivia works to stop the threat. Meanwhile, Elizabeth fears that Mellie's sister could be detrimental to their political aspirations.
Also on tonight . . . .
NCAA Tournament – Games begin today and air on CBS, TBS, TNT and truTV. UNC plays Harvard at 7:20 on TNT, and N.C. State plays LSU at 9:20 on TBS. For a full schedule of games, tip-off times and networks, check out CBSSports.com.
The Vampire Diaries (8 p.m., CW) – Damon and Elena embark on a plan to rescue Damon's mother, who is trapped in a 1903 prison world.
American Crime (10 p.m., ABC) – Carter's sister shows up to support him after his arrest, but can't hide her disapproval of his lifestyle or his involvement with Aubrey. Meanwhile, Barb works with an activist group to get police to consider her son's murder a hate crime.
Dig (10 p.m., USA) – Peter's pursuit of Khalid dead ends, so he and Cohen follow clues found in Emma's journal.


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In Arctic waters we primarily charter our own ship with renowned professional wildlife photographer, Andy Rouse, for an expedition cruise that is one of the best Arctic cruises for wildlife. Our cruises have been of the highest quality in the field for over 10 years and we will be chartering the ship again, with 2 departures in 2019 and 1 in 2020. If you want to be on board for the ultimate in explorations of Svalbard Arctic wildlife including magnificent polar bears then do contact us. If you are looking for other cruises around Spitsbergen then get in touch as we can help find the best cruise for you. We are unrivalled in knowledge of this region yet our cruises remain lots of fun.
Our holidays in Greenland are again on board Quest sailing on a scheduled departure from Iceland and a very special wilderness cruise on board a comfortable sailing yacht discovering wildlife, wilderness and the small populations of Inuit who live in the beautiful but remote area of east Greenland.
15 Days
Cruise through the fjords
Mountains, glaciers, icebergs
Small communities of Inuit
5 Days
Silence of the Polar Night
Dog sledding
Snowshoe on glaciers
Historical past
Northern lights by day and night
Below we have selected 3 of the best boats in Arctic waters. Arctic cruises are a once in a lifetime experience for many and shunning the large ships we can guarantee exceptional experiences on these vessels. Stockholm is a fabulous ship brimming with heritage atmosphere and gets into incredible locations in the Svalbard Archipelao that no other ship can follow. Quest is a mid-size Arcti cruise ship of Scandinavian design, of a lower budget than Stockholm but using the same great guides. For those that like wilderness adventures then the sailing yacht Aurora is just perfect. Sailed by Siggi, the owner, she explores the fjords of south eastern Greenland each summer.
Just to say I did have a fantastic trip.I would recommend the M/S Stockholm to anyone - the crew were so friendly, the food (and wine!) excellent and the whole experience was so much more intimate being on a small boat. We were very lucky with our polar bear and walrus sightings, with one bear coming right up to the ship, and standing up putting his paws on the boat for a better look and smell. We saw several females with a cub each, taking it in turns to feed on a dead whale in the fjord, and also saw one female with two cubs on a large iceberg. A fantastic place, and I can see why people go back.Ms. H. - Essex
The high Arctic is a frontier of our Earth, it challenges our emotions and perceptions whilst providing overwhelming beauty and exceptional experiences for those few travellers that visit. Having experienced first-hand the Arctic we naturally had to offer you this amazing wildlife and wilderness experience. Raw nature abounds: remote mountains and huge glaciers and pack ice define Svalbard and Greenland alike. Wildlife here is truly memorable; watching polar bear, walrus, Arctic fox, whales and the summer birds that return to nest in the brief Arctic summer. Then there are the fragile tiny flowers of summer in the Arctic tundra, characterised by the saxifrages. On our holidays in Greenland you can also discover the small populations of Inuit hunters that inhabit the remote, yet stunning east coast of Greenland.
Given that it is reasonably well connected with flights via Oslo, Svalbard offers the chance of accessible polar bears on a wildlife cruise that is unique. Many ships now ply the waters of Svalbard intent on snapshots of polar bears and other iconic species. We have deliberately avoided larger vessels with 100 or more passengers and have chosen some of the smallest and most intimate cruise ships that provide the highest class of service and best guiding to give you incredible encounters and a definitive understanding of this amazing region.
Similarly for our holidays in Greenland we are offering a comfortable yacht. The Aurora, sails primarily in the quiet waters of isolated fjords to discover ice-filled bays, spectacular mountains and the remote outposts of Inuit peoples. You are likely to see whales and other wildlife but this holiday is less a wildlife cruise but more a discovery of a region that very few visit. You are unlikely to see other tourists here and these holidays will give you an insight into a beautiful wilderness and the culture of Greenland.
CAPITAL Oslo, Norway; Nuuk, Greenland
TIME ZONE Norway GMT +1 hour, GMT - 3 hours for Greenland
To: Longyearbyen, Svalbard
Airlines: SAS, Norwegian
Flight time: approx. 5.5 hours
To: Kulusuk, Greenland
Airlines: Icelandair & Air Iceland
Flight time: approx. 5 hours but overnight in Iceland required
Consult your G.P. but there are no major health issues in this region.
The harsh polar climate and pack ice means that is only possible to cruise in the waters of Svalbard between June and September each year. At this time there is constant 24h daylight and of course the midnight sun is high for most of this period. The weather pattern is often stable with long sunny periods. There may be an occassional snowfall or rain but it is quite unusual, the region is classified as a semi-desert with most precipitation falling as snow. Temperature encountered are likely to be between -5 and +5 °C although with wind chill it can feel colder.
Similarly sailing in Greenland takes place between July and August when the weather pattern and sea-ice conditions are favourable although temperatures can become warmer than in Svalbard further north.


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Accurate piano valuations
Are you buying or selling a piano? Are you looking for an expert to assess the value of your piano? With careful consideration of all aspects and components of your piano, I can offer you an honest valuation of the instrument you intend to buy or sell. I offer piano valuations for customers in Greater Manchester.
There are several reasons that you might want to have a piano valued, and your reason will affect the valuation. To make that clearer, if for example you want to sell a piano, you should ask for a valuation for resale; if you want to insure a piano, you should ask for a valuation for insurance purposes. Both requests could concern the same piano, and the valuations would be quite different. This is because the price achievable in the current market conditions is probably much lower than the cost of an equivalent new piano. As most insurance companies offer a 'new for old' type of cover, the insurance valuation of, for example, your Yamaha piano will be the price that a new Yamaha of similar quality commands. Whilst you can do that kind of simple valuation yourself, there will be times when it is not so straightforward, such as when your piano was made by a manufacturer who is no longer around, and the relative quality of your piano has to be assessed against that which is available. Or, when you need something in writing for other reasons. EMS Piano can help with these situations, and all the necessary factors will be carefully considered before arriving at a value for your piano.
Among the relevant factors will be, when, where and how it was made. For example, is it of British, German, Russian, American, Japanese, Chinese or Indonesian manufacture? Can a date of manufacture be established with any certainty? Does it have a well-proven design, and how much attention was paid to detail during its manufacture? What timber has been used, and is it in good condition or damaged? Can any provenance be provided? This is especially important if the piano concerned is, or appears to be, from a world class manufacturer (E.g. Steinway, Bechstein, Bluthner, Grotrian Steinweg, Bosendorfer and a few others).
Condition is of course vitally important. It is often in the nature of life that a piano is not used for quite a time before it is offered for sale. During this time (it can be many years!) was the piano ever tuned or otherwise maintained? On the other hand, is this piano being offered for sale because it is worn out from over-use by an aspiring pianist who is now a professional? Or has it been abused? Is there any woodworm? It can be fiendishly difficult to uncover the truth in some cases, especially if the vendor has employed another tuner/technician to prepare this piano for sale. You cannot be too careful, so if in doubt, ask EMS Piano for an expert opinion as soon as possible, preferably BEFORE you have agreed a price with the vendor. In most cases you will save much more than the fee, if only by avoiding a loss-making situation. As explained under the sub-titles, 'Restringing' and 'Complete Overhaul or Restoration' above, some instruments can cost £1000's to repair. EMS Piano offer piano valuation in Manchester and beyond.


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Whether you've always had curly hair, have recently had a perm, or even if you're trying to learn to work with curly hair for your child's sake, you are facing a bit of a challenge, but one that is doable. From large, loose waves to kinky ringlets, locks with curl can require more work to look good than straighter styles. In order for this type of hair to look good, it must be kept healthy and free from damage and split ends. The curlier the hair, the more you'll need a good de-tangling conditioner. Fortunately, there are techniques and products designed just for you.
Shampoo & Conditioner
In order to tame that wild mane, you'll need to choose a good shampoo that is made for your type of hair. Consult your hairdresser for recommendations of shampoos that will enhance your curl without leaving residue behind. Select a conditioner that will add moisture to your tresses without weighing them down.
After shampooing and rinsing your hair, apply conditioner throughout and untangle gently with your fingers or a wide-toothed comb. Start at the tips of your hair and gradually work your way up to the roots, working all the tangles out. Rinse your hair with cool water to promote shine and reduce frizz.
Styling it Up
There are many different types of styling products that work well with curly hair. Make sure to ask your hairdresser for a recommendation next time you visit the salon. Some popular styling products for curly hair include:
Setting lotion
Styling cream
Frizz Serum
You may want to experiment with various types of product to see what works best with your hair.
After washing and conditioning your hair, comb through it with a pick or wide-toothed comb to remove any leftover tangles. Next, apply a small amount of your chosen styling product to your hair from roots to ends. If you want a curlier head of hair, you can scrunch it and tie it up in a messy ponytail until it air dries. For a looser curl with body, blow dry your hair using a diffuser attachment.
Deep Conditioning Treatments
Once or twice a month (depending on the condition of your hair) you should apply a deep conditioning treatment to your hair. After a regular washing and conditioning, squeeze all water out from your hair and towel dry. Apply a thick, deep conditioning cream or mask, and then put your hair in a disposable plastic shower cap. Next, use a heating unit such as a blow dryer cap, hot water bottle or heating pad to apply heat to your head for approximately twenty minutes.
After 20 minutes, remove the cap and allow your hair to cool for 5 minutes. Rinse most of the deep conditioner out with warm water, then turn the water to the coldest temperature you can stand and rinse out the rest. Make sure not to wash your hair the next day in order to give your hair a break.
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Living & Working in Great Places
Thanks for being here! The six of us at CoolWorks welcome you and wish you success in finding your Jobs in Great Places®!
I'm thinking about closing my business and seeking a National Park job with a concessionaire during the 2019 spring to fall season. First, I need to do some financial planning. If anyone can give me a rough estimate of an hourly or weekly wage for an entry level position, I'd appreciate it. I'm thinking I might like working as a clerk in a store, front desk in a hotel, or a tour guide. I've tried to find salary information on job descriptions, but that information does not seem to be included. Thanks in advance.
Views: 274
A couple of basic guidelines. Most park concessionaires pay around the minimum wage for entry level. Small parks sometimes pay a little more than big parks. Non-park seasonal tends to pay a little more than in park concessionaires...with the exception of ski resorts. Tipped positions can pay somewhere to a little better to extremely better than non-tipped positions depending on the place.
Concessionaires rarely have their own tour guides. While there are many guides in the parks...most are coming in from the outside. I have worked at non-park seasonal places where they do have guides that include parks on their tour if that is an option. Some parks have concierge positions, but that's not really a guide.
The expenses side of the equation is something that needs to be considered. There are usually big housing and food savings. There can also be opportunities to spend a lot of extra money. Two people can be earning the same amount working similar hours, and one can leave with a nice chunk of cash, another can lose money on the season.
Thanks for your help, Keith
Thanks Keith. That's super helpful!
The AVERAGE worker in the Parks isn't paid too much but has a deal on housing/meals - if you're kind of up for a college-like setting.
In every Park there are jobs that pay more and they're typically a little harder to get.
Apply early - December 1 - but do your research.
Glacier Park has drivers for old buses who make quite a bit more than, say, a gift shop clerk.
The hotel night auditors are typically paid more than the average.
Really good waiters make the most typically.
For instance, 3 years ago, I was the night auditor for Glacier Park, Inc.
I was paid $12 and had a free board and a free room.
Others, like the night desk clerk upstairs, might be making $10 and paying something
like $11 a day for the room and board package.
Don't be afraid to call the H.R. offices in Glacier and Grand Teton, Yellowstone etc and chat with them about what you can make.
If you can run a business, you probably can be a supervisor in a gift shop for more than the starting wage. You'd have the responsibility of closing up and doing the cashout but it'd be well worth it I think you'd find out.
If they get to know you and your abilities up front and early, they can more carefully tailor a position offer you'll both like.
Ask about housing always.
The middle of nowhere motel in Glacier had amazingly loud housing - amazingly.
The same company's East Glacier digs were a separate chalet at the pool where separate rooms - bath down the hall - were the order of the day and noise was very, very much less as it was all supervisors and guys past student age.
If you were just picking a plain vanilla, you'll be a clerk at the hotel desk or a gift shop maybe.
You'll get about $10 per hour for 40 hours and pay about $11 seven days a week for a room and 3 cafeteria meals.
Niche jobs exist in all Parks.
You'd be surprised what a responsible person can get compared to average when applying early with good skills.


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Two-time Funny Car champ Pedregon ready to make a move at Texas Motorplex
ENNIS, Texas — When Cruz Pedregon thinks about racing at the Texas Motorplex, one particular Funny Car shootout comes to mind.
"Without question one win stands out and I'm smiling now, it really was my first win there in Dallas which was against John Force in the (1992) final," Pedregon said. "The championship was on the line and you talk about pressure, man."
That win was the last of a strong run of five consecutive victories for the young rookie driver that sealed his first world championship title, and in the process, stole it away at the last instant from Force, whose points lead was so large by mid-season his team went into test mode.
"I was under so much pressure there that I actually went on to relax," Pedregon said. "I said, you know what, I'm going to go the other way. Then at the line we both smoked the tires and we ended up winning the round and it was a crazy race. They still play it on highlights; fans still talk about it 20 years later so that one stands out without question. But they are all important and they all mean a lot, but that one there sticks out."
Pedregon, the defending winner of the AAA Texas NHRA Fall Nationals, will be seeking more dramatic finishes this year as he comes into the event fifth in the points standings. Bob Vandergriff Jr. (Top Fuel), Jason Line (Pro Stock) and Michael Phillips (Pro Stock Motorcycle) join Pedregon as defending event winners. The Sept. 20-23 race, which also will showcase the weather-delayed Traxxas Nitro Shootout for Funny Car, will be televised on ESPN2HD.
Pedregon is a three-time winner at the Texas Motorplex, the sport's first super track featuring an all-concrete racing surface, built by former Funny Car driver Billy Meyer. Last season Pedregon dominated the event from qualifying on through eliminations and his Snap-on Tools Toyota Camry was incredibly quick despite the intense heat wave that hovered over the track the entire weekend.
"It means a lot, especially since we won there last year in really difficult conditions, extremely hot," Pedregon said. "I love the Dallas fans, it feels like it is a second home for us and we really like running there. It is a challenging track when it is hot, any track is. Hot, cold, in between, we are going to be ready for it."
Pedregon hasn't added to his 29 career victories this season and is one of only two drivers in the Countdown Funny Car top 10 to not have won a race. However, he has showed flashes of brilliance with four No. 1 qualifying efforts, one runner-up finish and three semifinals. He hopes to get on a roll like he did in his 2008 title run.
"It depends on the weather, but I have always said this, the Snap-on Toyota runs very fast when it is hot, so me personally I'm hoping that it is on the warm side because the setup we used last year for it worked well, but again we can't control that," Pedregon said. "One of the challenges we've had this year is to really perfect all of the setups to run any kind of track, so I think we are close."
Pedregon will be challenged by points leader Ron Capps, who won the playoff opener at Charlotte and Mike Neff, who moved to second in the standings with a Charlotte runner-up finish. Seven-time Motorplex winner and his '92 nemesis Force will be in the hunt, as will Force's 24-year-old daughter Courtney, who won her first race in only her 15th start in Seattle. Others to watch include Auto Club Ford driver Robert Hight, Jack Beckman, Tim Wilkerson, Johnny Gray and Jeff Arend.
In Top Fuel, five-time Motorplex winner Tony Schumacher holds the series lead in his U.S. Army dragster, but Charlotte winner Shawn Langdon has the momentum in his Al-Anabi Racing dragster. Texas natives and local fan favorites Spencer Massey, Steve Torrence and Brandon Bernstein are all in the Countdown and will be looking to score a hometown victory. Playoff top seed Antron Brown, Morgan Lucas, Doug Kalitta and defending winner Vandergriff are also among the pre-race favorites.
In the 200-mph Pro Stock class, Tennessee Mopar driver Allen Johnson continues to be at the top of the standings, but his lead is only three points over defending event winner Line. Charlotte top qualifier Vincent Nobile has emerged as a title threat, along with three-time season winner Erica Enders, from Houston. You can never count out past champs Greg Anderson, Mike Edwards and Jeg Coughlin.
Andrew Hines has the Countdown momentum in Pro Stock Motorcycle after winning the Mac Tools U.S. Nationals and the playoff opener in Charlotte. His Screamin' Eagle Vance & Hines Harley-Davidson teammate Eddie Krawiec continues to lead the points standings after posting a runner-up finish at Charlotte. Together they have won all 11 bike races this season, with Krawiec taking six and Hines five. Other challengers in the two-wheel category are the Lucas Oil Buell team of Hector Arana Jr. and Hector Arana Sr., GEICO Suzuki rider Karen Stoffer and past world champs LE Tonglet and Matt Smith.
Source: NHRA
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|Antron Brown , Jeg Coughlin , Ron Capps , John Force , Tony Schumacher , Doug Kalitta , Greg Anderson , Cruz Pedregon , Tim Wilkerson , Jack Beckman , Karen Stoffer , Brandon Bernstein , Allen Johnson , Johnny Gray , Morgan Lucas , Jason Line , Andrew Hines , Matthew Smith , Michael Phillips , Jeff Arend , Bob Vandergriff , Robert Hight , Steve Torrence , Hector Arana Jr. , Eddie Krawiec , Mike Edwards , LE Tonglet , Shawn Langdon , Vincent Nobile , Mike Neff , Spencer Massey , Hector Arana Sr.
Two-time Funny Car champ Pedregon ready to make a move at Texas Motorplex
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Yoga coming to you every Wednesday!/
A new weekly yoga session is starting this month at St Bride's, run by Natasha Wilksberg, an experienced but young and enthusiastic leader. She writes:
"I'm very excited to share this beautiful space with you. The first three weeks will be a practice centred around gratitude"
A month of Gratitude Training
We usually associate 'gratitude' with all the positive things in our lives. But what about feeling grateful for the challenges that help us to grow?
Yoga can help us learn how to stay in the moments that transform us on and off the mat. February's theme is an invitation to practice Gratitude, focused on unclogging the hips, balancing and heart opening. These classes will leave you feeling grateful for being alive!
Being flexible is not a pre-requisite for yoga. These yoga sessions are for practitioners of all levels and capabilities. Over time they will help you loosen up to a level you are comfortable with.


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Beth Baumann
Jan 14, 2019 9:20 PM
For years, gun right advocates have said universal background checks are a failure. We've made it very clear that the National Instant Criminal Background Check System (NICS) has failed time and time again because states fail to report 100 percent of their criminal convictions to the FBI. Expanding a failed system isn't going to suddenly make it work better. If anything, it's just going to expand its failure.
In a rather shocking turn of events, the super leftist news outlet Vox admitted universal background checks are a failure...and Democrats need to move on.
From Vox (emphasis mine):
But a growing body of research suggests that comprehensive background checks alone wont do much, if anything, to combat gun violence in America.
For years, the proposal for universal or comprehensive background checks has been the top item on gun control advocates wishlist. It polls extremely well among gun owners, people who dont own guns, Democrats, Republicans basically everyone. And it certainly makes sense: If theres a loophole that potentially lets criminals get guns, why not close it?
But several studies released in the past year now suggest that enacting comprehensive background checks alone would have a very limited effect on US gun deaths, whether homicides or suicides.
Vox even cited a study conducted by the Violence Prevention Research Program (VPRP) at UC Davis and the Johns Hopkins Bloomberg School of Public Health to determine the impact California's gun control laws have had on homicide and suicide rates over the last 10 years .The result? The Golden State's gun control laws had absolutely no impact. Nothing changed.
The ironic part is the outlet tried spinning the study to say it's the implementation not the background check system itself that's the problem.
Requiring a license to buy a gun is moronic. You know why? Because all they're going to do is create a piece of paper for you to carry that's issued based on NICS. It's basically what a CCW does. And guess where the information comes from? You guessed it...NICS.
But, it's interesting to hear them say what gun owners have been screaming about for years.
Gun rights advocates have talked about this for so long. That's why the National Rifle Association and the National Shooting Sports Foundation came out in favor of the Fix NIS bill during the last Congress, which would have required semi-annual submissions of convictions. If the bill would have passed, we would have seen a more complete system.
Doesn't matter. The "gun control" crowd has never been about safety or crime prevention. One of the latest examples:
Virginia's Democratic Governor's Anti-Gun Package Is Straight-Up Confiscation


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LifeCore Fitness R100 Review For 2016
Those looking for the perfect home fitness equipment that will be able to combine both aerobic and strength training will be interested in the benefits that rowing is able to provide. Rowing is a low-impact exercise that is able to provide a full body workout, and definitely recommended for all age groups and for users from all levels of expertise due to its simple nature. With this in mind, the LifeCore Fitness R100 is able to provide many users with the asset needed to not only build but also chisel their muscle tone.
The LifeCore Fitness R100 is a tad more expensive than other home fitness equipment due to the fact that it can be both a commercial or residential equipment; however, it has more customizations available than other rowing machines, and is also able to handle a user weight capacity of over 600 pounds making it one of the most ideal and sturdy machines on the market. The machine is able to provide users with a simulation of actual rowing while in a seated position with customizations that help keep users in an ideal posture and position that will minimize all injuries and strains placed on muscles.
What We Like:
Multi-function Monitor: The multi-function monitor is perfect for those who are looking to be able to track and log their progress. With an optional chest strap that will be able to monitor heart rate, the LifeCore Fitness R100 is also able to track stroke count, stroke per minute, calories burned, time spent on machine and more. The multi-function LCD monitor is a great asset for those looking to be able to determine, track and log their performance level and progress.
Adjustments: The LifeCore Fitness R100 has numerous pre-set customizations that are perfect for different levels and intensities of workout sessions. There are 16 levels of magnetic resistance as well as 15 pre-set programs available on the machine. Users are able to enjoy different types of workout sessions based on their expertise or based on the desired amount of training.
Safety and Comfort: When using rowing machines, it is important to maintain a good posture in order to minimize any chance of injury or strain. The LifeCore Fitness R100 is the perfect machine for those who are looking for comfort and safety. The cushions on the seats are extremely comfortable, and the padding on the handles prevent blisters from forming. In addition, the pivoting footplate allows for users to customize the type of posture that they will maintain while on the machine. The machine has been known to be able to glide quite silently and comfortably as well.
Durability: The LifeCore Fitness R100 is able to withstand over 600 pounds of user pressure. With that in mind, it is an extremely sturdy and durable piece of equipment that has an aluminum frame with solid steel support. It can withstand quite a lot of pressure and strain before breaking.
Adjustable Fan: Most users love the adjustable fan that comes with the LifeCore Fitness R100. Not only is the fan rather quiet in regards to other machines, but users can also adjust the level of the fan in order to be able to attain the best breeze possible.
Foldability: As most home gyms are quite small, this rowing machine can be easily assembled and disassembled at home with instructions and illustrations that are easy to figure out. The machine can be folded up and stored in a secure location until needed.
Warranty: LifeCore is able to stand by their products, and with that being said, they are able to provide a lifetime warranty on the frame of the product. Depending on whether the product is being used for commercial or residential purposes, different lengths of warranties are offered. If the product is to fail or break within the time frame of the warranty, LifeCore will happily replace or repair all parts at their cost. LifeCore also has an excellent customer support service team that is able to provide users with the type of consultation and advice needed.
What We Don't Like:
Cost: While the LifeCore Fitness R100 is considered as one of the more elite home fitness equipment on the market, the additional customizations are clearly reflected on the price of the machine. The LifeCore Fitness R100 is a tad more expensive than other machines on the market, and may not be as affordable in comparison to other products.
Weight: With all of the customizations that it has, the LifeCore Fitness R100 is a bit heavier than other machines on the market and can be quite hard to move from one place to another without disassembling the product which can be considered as troublesome.
Heart-Rate Monitor: Some consumers have complained about some faultiness in regards to the heart-rate monitor which can be quite troublesome due to the price of the machine. Some consumers suspect that the heart rate monitor interferes with the magnetic resistance of the machine, but this problem has only been detected by a minority of the users.
Our Verdict:
Depending on the amount of time that will be spent on the machine, the LifeCore Fitness R100 may be a great investment for residential use. While it has numerous customizations and is an extremely comfortable rowing machine that has been able to generate huge customer satisfaction, it is a little bit on the pricey side of home fitness equipment, and may not be as affordable. Those who are looking for an extremely long-lasting and durable home fitness rowing machine will want to consider taking a look at the LifeCore Fitness R100; however, not everyone may be able to shell out the money for it.
Most users who have purchased the machine have enjoyed its silent nature, and numerous customizations. It is a great machine for those who are looking to build muscle tone, and is a great stepping stone for those looking to start some advanced free weight training. The LifeCore Fitness R100 can either be a commercial or residential product, and while it is quite pricey, it is definitely considered as one of the most top-notch brands on the market.


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(This post was updated September 2019 to reflect changes to the legal availability of vape products containing nicotine and to reflect some other changes to how e-cigarettes are regulated. There is also a new post from September 2019 here.)
Leslie Gibson, occupational therapist and member of Sunnybrook's Smoking Cessation Committee, answers some common questions about e-cigarettes.
What is an e-cigarette?
An e-cigarette is an electronic device that has a fluid-filled cartridge and a battery. When you puff on the e-cigarette, a sensor goes off and the fluid is heated, which produces a vapour that is inhaled like a cigarette and then exhaled.
There are lots of types and so they can look different.
Are e-cigarettes legal?
In 2009, a Health Canada Advisory discouraged the use of e-cigarettes as they may pose health risks and haven't been fully evaluated for safety and quality. In addition, Health Canada said e-cigarettes cannot be marketed as having any health benefits.
In May 2016, Bill 45 was passed in Ontario, which outlines where you cannot use e-cigarettes. E-cigarettes are now viewed like regular cigarettes — you can't use them anywhere you can't smoke cigarettes. So, you cannot use e-cigarettes in buildings, on patios, at baseball diamonds, parks, or anywhere on hospital property.
In May 2018, legislation was passed to allow the sale of vape products containing nicotine in Canada.
Vaping is covered by the Smoke Free Ontario Act. People over age 19 can buy these products in Canada and the Smoke-Free Ontario Act has rules about where you can use them.
What are your concerns about e-cigarettes?
My concerns are the common concerns among health-professionals.
E-cigarettes have been sort of glamorized as smoking's cool cousin. And the flavours seem to appeal to teens. This goes against all the gains made with the tobacco industry in not marketing to teens and the province's move toward having a "smoke free" environment.
E-cigarettes have not been around long enough for researchers to study the long-term effects. Do we know exactly what is in the pods? What are you breathing in? Who made it? Who made the battery device and how – is that safe?
So what's the bottom line?
While e-cigarettes may be less harmful than regular cigarettes, more research needs to be done to even properly compare the use of e-cigarettes to regular cigarettes. The bottom line is: Don't reach to either.
What about using e-cigarettes as a way to quit smoking regular cigarettes?
More research needs to be done to see if e-cigarettes are an effective way to help people quit smoking. If you are trying to quit, there are things you can do that have been proven through research as helpful. Use nicotine replacement therapies. These have been studied. (Things like nicotine gum, lozenges or the patch, vaporizers or inhalers)
If you want to quit smoking, speak to your health-care team, or check out some online resources at Sunnybrook.ca/quitsmoking


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Enquirer Herald
Unbeaten CHS atop region
CLOVER -- Coach Shea Hall's Lady Blue Eagles defeated Nation Ford 5-3 in a showdown for Region 3-AAAA supremacy last week.
The CHS girls moved to 8-0 for the season and 7-0 in the region entering this week's appearance in the Azalea Tournament at Summerville.
Ace hurler Shay Jackson was equal to the task, holding Nation Ford scoreless in every inning but the third when miscues aided the visitors.
"Shay pitched well," Hall said. "Their runs were unearned."
Jackson, a starter since seventh-grade, said it was good to see the bats came alive against Nation Ford.
"We had a lot of key hits when we needed them," the junior right-hander said. "We made a few errors but came through with the win."
Hall was glad to see the players swinging the bat in a game of such magnitude.
"Everybody in the lineup hit the ball," the CHS coach noted. "It was a tough game, back and forth."
Jackson's batterymate, hard-hitting Brittany Jo Bowman, led the offensive onslaught with a double and triple.
Lindsey Provine also had two hits. Casey Killian continued swinging at bat with a double.
The CHS girls defeated Northwestern 7-1, with Jackson picking up the win.
Jaclin Poole led the team with three hits. Carolina Shill and Sarah Thomas each had two hits.
Hall lauded the team for sitting atop the region standings at this stage of the season but said there's work to be done.
"Our kids are playing well," she said. "They've met the challenge so far. Nation Ford was a test."
Hall said competing in this week's tournament will keep the Lady Blue Eagles battle-tested when they return to region play.
Jackson shares her coach's assessment.
"Competing against strong opponents in the Summerville tournament will benefit the team," she said.
The hard-throwing junior said defense has been a key to the team's success this season.
"When I've been wild, the defense picked me up," she said.
Jackson said the Lady Blue Eagles' lofty position in the region is a source of pride for the team.
"It feels good to be unbeaten in the region," she said. "We need to continue working on our game, striving to improve each week.
"We can always do better. We need to step it up."
The Lady Blue Eagles step back into region play on Tuesday when they host Fort Mill on the CHS softball diamond. The game has a 5:30 p.m. start.


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I belong to a pre-sales group with the charter to convert a prospect into a customer within 4 weeks or less by making sure everything they need from a technical standpoint is in place. Now, this required cross functional liasing skills to make sure I delivered what my sales folks needed. Before I knew I was on the rolls of engineering, operations and sales while I properly belonged to marketing. Looking back, I am fortunate to be placed in such a role as I never have been bored with my job (yeah! there are always occasional dips but thats normal in any job?). Other than high sea piracy and hedge fund management there are very few opportunities to my knowledge that offered this kind of variety. Every week had some share of talking to the customers and making them subscribe to my religion (which is my companie's service) , administer a bunch of systems, write scripts both to measure and validate stuff, write code to build tools that make it easier,recommend product changes by passing on what I see in the field and ultimately evangelize the good stuff with both customers and other partners. Yes! I liked every one of these functions thought my core function is to analyse and report on HTTP related stuff.
Not many firms I know would give such a free rein to people just because they like doing. Just because I was doing something right enough to inspire confidence so that I can be let loose on the rest of the roles isnt actually good enough reason that many folks would say okay. As organizations grow, they dont like these kind of cowboy actions of a different team in their turf as it gets kinda feudal. As we all know, good growth of feudalism ultimately leads to some despotism which isnt uncommon in today's business. I chose my current organization over a much bigger well known one for precisely avoiding that problem. I thank my employer for allowing me to do what I believed would help us in the long run.
And today is a piece of history for us and I am proud to be a part of this revolution. We have our best quarter yet where closed this quarter with our best ever numbers. The number of customers have tripled since I joined and churn rate was practically zero. Our P & L statement looks fabulous and we might be on our way to an initial public offering sometime next year.Yes, these kind of things happen in the valley a lot but I am excited about this just like Z in Antz
And, y'know, I finally feel like I've found my place. And you know what?
It's right back where I started. But the difference is, this time I chose it.


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The images in this project are made from a basic photographic lens combined with large format paper negatives. The lens consists of a single element borrowed from a pair of reading glasses. The camera is made from wood and cardboard and is large enough to accommodate the 16"x20" paper negative. The camera is 90cm long and has a fixed focus of 260cm. This limits the distance of the subject to the camera and therefore how the subject fills the frame. Denotatively, the poor optics involved mimic human foveal vision as well as early photographs. They are sharp in the middle and soften towards the edge as well as having a shallow depth of field.
These are pictures that can only exist because of a lack of technology. Speed and ease are not options in this process. The camera takes five minutes to load one negative. The pictures have to be taken close to a darkroom. Most importantly though, the subjects have to be still for up to two minutes. They can't rely on their snap-shot Facebook face. They have to go somewhere else.
Mr Mike Gray
Please leave a comment about your rating so we can better understand how we might improve the page.


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2019 Community Business Supporters
Special Offer
YOUR DEAD BATTERY CAN SUPPORT THE WLCL: Steven Cemer and Darlene Mauer (firstname.lastname@example.com) are members of WLCL and owners of the Discount Battery locations at 1230 S. Milford Road, Highland (248-714-6333), 2977 Dixie Highway, Waterford (248-674-2565), and at 2505 Union Lake Road, Commerce (248-363-0330). They will donate $10.00 to the WLCL for each auto, truck, or boat battery core turned in at their stores (mention the WLCL when doing so). No purchase is necessary. What a great way to help the WLCL and the environment at the same time.
Businesses donating $50 or more to the WLCL are listed here and in the Current Newsletter published every spring. To add your business, use the Business Contribution Form.
(Lists updated as of July, 2019)


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Absolutely, Positively
Heather Webber
St. Martin's, Feb 1 2011, $7.99
Lucy Valentine knows she is the odd duck in her family as everyone else has the ability to play Cupid matching people up. Her talent is to find lost things. Lucy's current task is to locate a man who may be near death if he even still lives and to find a former criminal for a client of her family's firm Lost Loves.
Lucy and her private investigator boyfriend Sean Donahue work on both cases. However, their efforts are turned complicated by the masked Lone Ranger who at the Commons throws money into the air before vanishing. As Lucy and Sean conduct inquiries, she has an attraction to the masked hombre until she suffers a horrifying vision of her boyfriend lying lifeless on the street.
No one will care that the third Valentine tale is similar in tone to Truly, Madly and Deeply but, Kemo Sabe brings freshness to the mix. Though over the Green Monster yet filled with quirky family humor and a touch of the paranormal readers will Absolutely, Positively find Lucy's latest bodacious Boston brouhaha desperately zany yet truly scrumptious.
Harriet Klausner
Thursday, December 30, 2010
Absolutely, Positively-Heather Webber
Posted by Harriet Klausner at 10:35 AM
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Don, Lisa's husband, makes an awesome salsa. We always depend on it being at any event at their house and we love it so! We would be disappointed if not there. This is the dish we hit long before getting plates and hitting the rest.
And sweet Lisa, who is the mother in law to be, who hosted the event at her house. Lisa inspires me so much. Her ideas, her creativity, but most of all, she is a good friend to all. And so good to Amber, who is joining the family. We are so excited. The wedding is in a month. And my task is to make a Pasta Salad for the Rehearsal event and we get to go and eat with them and then we have promised to be available the day of the wedding as well for whatever needed. I have asked off for that Friday as that will give me time to prep the pasta salad and can get it out there before hand and can help where needed. They are catering much of it. So there won't be a lot to do I don't think as far as food prep and serving. But we are offering ourselves where needed. I'll never forget Lisa helping us at our house at the "after party" of Katy's wedding. Lisa bagged food for the freezer that we had left over from the wedding - insisting I go be with friends and family. That's who she is. And I want to return the favor.
Fun Day had by all!
We stayed after and hung out with the crew. Lisa fixed a pot of coffee and we watched the Hollywood types come down the red carpet and gave our opinion on the dresses. lol
The guys had gone out for a brewski while the girls showered for the bride and they had come back to join us.
We left about 7:30 or so and took Katy home and said hi to Cody who also had just gotten home from spending a day with his parents.
We got home after 8 and the doggies were crossing their legs and hungry.
I played the game and headed to bed. Although it was 10:30 for me. I didn't go til I got sleepy. We've slept in the last two days. I think if I were to be home all the time, I'd probably sleep from 10 or 10:30 til about 7:00 or 7:30, lol. That would be my natural rythem, but...no up and at 'em at 4:10 when the alarm goes off - maybe a snooze or two but by 4:30 for sure I need to be up ad going if I'm doing a blog entry, packing lunch, and making the hour long drive in.
Yee ha, another start to the week.
George is off his diet Tuesday and our plan is to have pizza that night, as we've both missed it.
Ya'll have a great day!