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VANCOUVER, DECEMBER 3/2000 -- "Winter is just around the corner. And with the expected arrival of biting winds, cold temperatures, snow and sleet will put pets at risk" warns Al Hickey, Western Regional Director of The Humane Society of Canada (HSC).
Two conditions caused by the cold are frostbite and hypothermia. Old and very young pets are most susceptible to these conditions. Pets kept outdoors or who are allowed outdoors for extended periods are most at risk of developing frostbite or hypothermia.
"Allowing pets outside for only short, supervised periods during cold weather will help protect them from frostbite and hypothermia" advises Michael O'Sullivan, HSC Executive Director.
Since pets are social animals, O'Sullivan would prefer to see them kept as "indoor pets" as opposed to chained to a doghouse or allowed to run-at-large for their entire lives. "Urban life can be tough on animals, and they are much safer inside or with their owners outdoors," he said.
Other seasonal hazards for pets are ice balls and salt that can cause discomfort to the animal's paws. Ice and salt can be removed by gently and carefully placing the paws in warm (never hot) water and then drying them off with a towel. Boots made for companion animals can be used to protect a pet's paws during walks.
"Brutal accidents involving cats being killed or seriously injured by vehicle fans and fan belts is more common than most people think" says O'Sullivan. Cats seeking shelter and warmth climb up under the hoods of vehicles. When the engine is turned on these unsuspecting felines are struck by the fan or fan belt. "People can virtually assure that this tragic accident does not happen to them by banging on the vehicle's hood or honking the horn, waiting a few moments for any sleeping felines to escape, before starting the engine" explains O'Sullivan.
Another seasonal hazard is ethylene glycol, found in many products including antifreeze. Even a small amount of this toxic substance can kill an animal. Products containing ethylene glycol must be kept away from pets (and children.) Consideration should be given to using a less toxic brand of antifreeze which are now available.
"One of the best ways to help animals is to take the time to educate people as to how they can protect their pets" says O'Sullivan. Anyone who sees an animal being neglected or abused should call their local authorities or the Humane Society of Canada toll free at 1-800-641-KIND (5463).
CONTACT: Michael O'Sullivan by toll free 1-800-641-KIND or Michael on his cell phone (416) 876-9685 or at www.humanesociety.com via twitter at www.twitter.com/HSCanada and on Facebook at: http://www.facebook.com/pages/The-Humane-Society-of-Canada/211468055538280
[For more than 17 years, Al Hickey was the Chief Executive of the BC SPCA and before that headed up the Alberta and BC Chambers of Commerce, and was the Executive Director of the Boys and Girls Club of Greater Vancouver. He has been The HSC Western Regional Director for over 12 years. He has 4 children and 6 grandchildren. For his lifetime of achievement dedicated to helping people, animals and the environment, we have bestowed upon him our prestigious Heroes for Animals Award, shared by only a handful of people and organizations.
A father with two children, and a houseful of dogs and cats, Michael O'Sullivan has worked across Canada and in over 110 countries during the last 40 years helping people, animals and nature.]
The Humane Society of Canada (HSC) works to protect dogs, cats, horses, birds, rabbits and small animals, livestock, lab animals, wildlife and the environment. We carry out hands on programs to help animals and nature, mount rescue operations, expose cruelty through hard hitting undercover investigations, work to pass laws to protect animals, use a multidisciplinary approach, support animal shelters and wildlife rehabilitation centres, and spread the word about how to help animals and nature through humane education.
The only organization of its kind, seven days a week, The Humane Society of Canada (HSC) works across the street, across Canada and around the world helping people, animals and the environment.
The Humane Society of Canada (HSC) depends entirely on donations to support our programs to help animals and the environment. All donations are gratefully acknowledged with a receipt for income tax purposes. If you would like to support our educational campaigns that protect animals and the environment please make a donation here. Because when it comes to fighting cruelty and violence, we don't give up. Ever.


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Increase your ROI through localization
At GlobalizeMe we've been localizing a wide range of software suites into numerous languages and cultures for many years and our expertise in the area of multilingual software localization is the reason why major international companies turn to us for their foreign language projects. They know that first impressions and sustainable quality are crucial for success and they rely on us to meet their objectives.
As GlobalizeMe uniquely combines software development and localization skills under one roof, we know what it takes to produce usable software. We process localization projects both from the developer's and the user's perspective, which allows us to translate, localize, test and even adapt software in such a way that the final result contains no embarrassments.
Does your company have its own localization department? Discover how the expertise of a certified SAP PartnerEdge Language Partner can help you to stop worrying about yet another locale and instead start thinking about ROI.
Is your company (relatively) new to localization? We can set up a localization team that runs your projects either from your premises or ours and that collaborates closely with your developers. This custom-made solution is very affordable and scalable and the easy track towards international expansion.
Experience the difference. Contact us for more information about software localization and language testing solutions.

subset: commoncrawl


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Home > Special Offers
Model: FB5610
An essential Inflation Kit comprising 2 needle adaptors and a small bottle of Glycerine. To ensure minimum risk of puncturing a ball bladder, it is recommended that Glycerine is used on the pump needle. Using this method will ensure that the ball will not get punctured when inflating.
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Welcome to Episode 4 of the Get Hooked with Ashley Podcast, today we are going to talk about crochet health.
So, about a month ago, I injured my shoulder after many long days of crocheting and once I was healed I knew that I needed to add crochet health to the podcast schedule.
So, let me take this back to the beginning when I first started crocheting, well crocheting all the time because I had mastered the basics and was making a variety of projects. So, this was about 6 years ago, I would crochet throughout the day whenever I had a free moment, when the kiddos were napping or playing. Back then I crocheted only with aluminum hooks and if you have seen a lot of my patterns you know I like my K hook. I don't know if I was driven to that hook because it was a little larger than working with the H hook and it was more comfortable to crochet with, but it stuck with me. But on those days, that I crocheted a lot, when I would go to bed at night, my right hand would be achy that I would have to lay it flat and completely relax it. But when I woke up the next morning I felt fine.
After that went on for a short while I started looking into other hooks, I switched to bamboo hooks and it worked wonders, I wasn't having my hand cramps anymore and I used my bamboo hooks for at least 5 years. Then I gave handmade clay handle hooks a try and I liked that a little better than the bamboo because it was a little smoother in the handle (sometimes wood chips) and it was cool, not just cool looking but had a cool feeling and your hands wouldn't get clammy. Then about 4 months ago, I wanted to give the Furls Odyssey Hooks a try, because it had a larger handle, was smooth and beautiful. The first project I crocheted with my new hook was a hat and it took me a little getting used to, to hold my crochet hook comfortably, but once I was about half way through the hat, I was crocheting comfortably and haven't turned back. Of course, when I ordered my first hook, it was the K Hook but once I decided I loved it, I had to order a H and N Hook to add to my collection. So, my crochet hand health tip is to make sure you find a crochet hook that is comfortable for you!
So, another ache I have discovered over the years is if I don't have good support to rest my arms on when crocheting, they will start to ache. For about 4 years we had a large sectional in our living room and that is where I crocheted but I would sit in the middle of the sectional because I could stick my crochet project in the corner of couch and always had it on hand. By sitting in the center of the sectional I didn't have arm rests to rest my arms on, so I would always have a pillow to rest them on and I could then crochet comfortably. But when I taught crochet classes a couple years ago I would be sitting at a table or standing to teach, and my arms would be sore later because I didn't have my proper arm support. When we got rid of our sectional about 8 months ago, we replaced it with a sofa and recliner. I now have a crochet arm rest again but still have a blanket or pillow under my other arm from crochet support. So, another crochet health tip I have is to always find a comfortable place to crochet.
So mid-year of 2016 I went on maternity leave for about a year and during that time I only crocheted sporadically and crocheted different things for Elizabeth to wear for photoshoots or for her 1st birthday party. I also crocheted bear beanies for the Lizzie Bear Project. So, I worked at my own pace and didn't have quick deadlines. But, about 4-5 months ago I ended my maternity leave and started crocheting full time again designing new designs. Well I was working nonstop right around Christmas time to finish up these two designs. But the crocheting non-stop caught up with me, I started having a lot of pain in my shoulder. If I put the crochet hook down, put some ice on my shoulder and kept it as still as I could I felt better. I thought it would only be a 24-hour break, but I ended up keeping my hook in the pouch for 48 hours and it made a world of difference. It also reminded me that I need to take crochet health seriously! Since then, I always make sure to take those crochet breaks, stretch, make sure that I am sitting up super straight on the couch (no slouching), have good arm support and a good crochet hook!
What are things that you have learned to help make those crochet days fun and pain free?
Alright guys, we have reached the end of episode 4 and it is time to get back to crocheting the healthy way, so until next time, grab your yarn, your hooks and Get Hooked!


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MGM Resorts International announced last month that Gensler will design their proposed Rolling Hills Resort Casino project in Brimfield, MA. The leading international architecture firm was chosen largely because of their recently completed MGM City Center project in Las Vegas, which they claim to be the largest private sustainable development in the world.
[Read more…] about MGM and Gensler Set Sights on Western Massachusetts


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The realization came in January that my wedding was only 9 months away and I could no longer put off the wedding dress diet which I had been avoiding since getting engaged! The main thing is to find contentment and happiness with in your yourself not matter what shape or size. But I knew the time was getting closer to me finally ordering my wedding dress!! How exciting! I am getting my dress from the UK as I feel there is more choice , you have to remember as Fabulous as this Island is, its very little too.
Since trying it on after Christmas and the underskirt not going over my hips, I knew changes had to be made with my body, like us all or maybe not (but makes me feel better saying that 🙂 ). Feeling content in my relationship and also living between two countries I got into a bad habit with food. Not preparing my meals and eating convenient food most of the time. Now I do prefer healthy food as it stands but it's just the time and the preparation you need to make time in your life to do..
So my journey began by joining the gym, the owner of the Wedding boutique where I am purchasing my dress from, gave me untill April to lose weight in order to order the dress size in the shop which would not even zip up at the time!! So here goes I went the gym and each time i was there working away at the cross trainer all I could imagine was me in my dress and feeling amazing!!! Often messaging my mum for encouragement!
I worked out my own little routine in the gym and was steadily losing a pound a week which I was happy with! So when returning for my dress fitting in April, I felt good, putting the dress on and feeling the under skirt drop down, and the zip going up (just not the top 3 inches) but ha its didn't go up at all at Christmas! I was over the moon, as all you brides to be know when trying on all the bridal dresses you feel like a amazing but when you find THE ONE your feel like a Princess!! So the dress was ordered!
Since returning back to Ibiza I have been very lucky to be offered some personal training sessions with a new company here on the island called Pure Training Ibiza a guy called Tom! I have only done a few sessions , wow I thought I worked hard in the gym this guy is making me ache with pain even struggling to walk! I look drunk when I walk as my legs keep going like jelly!. But I do smile with the pain, as we all know ' no pain no gain'……
The only problem is I have to follow Tom's rules, he said I can have one, yes one treat meal a week not a day!! How strict is he! His mains tips also are too cut of wheat from my diet, cut down on dairy and eat very much like a vegetarian..Plus a lot more of course . His details are below!
The reason behind all this is like us all, I want to feel like I am walking on air on my wedding day….
I write this with the sun beaming through my balcony ,so for any of you brides getting married in Ibiza this year the island is looking mesmerizing.
Wedding countdown 4 Months 14 Days!
Kellie xxxx
Find Tom On Email. firstname.lastname@example.com Web. www.puretrainingibiza.com
Contact number 0034653358058


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Jumbo Glacier Municipality a Game Changer for BC Tourism
Victoria, November 20, 2012 – The BC Chamber of Commerce is very supportive of the BC Government for its decision today to approve the incorporation of Jumbo Glacier as a mountain resort municipality.
"This resort will be a game changer for BC tourism," said John Winter, President and CEO of the BC Chamber of Commerce. "Now that the environmental assessment has been completed, and municipality incorporated, the project proponents finally have the green light to go ahead and put the funding in place."
A municipal council has been appointed to sit through November 30, 2014, with an interim corporate officer also named to serve until the first council meeting of the new municipality. Jumbo's first mayor and councillors are Greg Deck, Nancy Hugunin and Steve Ostrander.
The proposed year round ski resort is located at the foot of Jumbo Mountain and Jumbo Glacier, 55 kilometers west of Invermere. It will further strengthen British Columbia as world class destination and substantially expand tourism revenue in the Columbia Valley.
"It is good to see BC sending a clear signal that economically critical projects can ultimately be dealt with through an expeditious and balanced process, and I very much hope that this becomes the start of a trend," continued Winter.
The BC Chamber is the largest and most broadly based business organization in the province. Representing over 120 Chambers of Commerce and 32,000 businesses of every size, sector and region of the province the BC Chamber of Commerce is "The Voice of Business in BC."
BC Government News Release, Council Bios and Jumbo Timeline
For more information on this issue please contact;
John Winter
President & CEO
BC Chamber of Commerce
E firstname.lastname@example.com


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TeamFYP is building Pakistan's first online platform to showcase and manage Final Year Projects (FYP). By aggregating FYP, students will have be able to get recognition for their research, employers will be able to source talent, and industry will be able to post research projects.
Follow them on Facebook and Twitter.


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Gas quality tracking
Natural gases of different origin may vary significantly in terms of their composition and hence their calorific value. The calorific value of bio natural gas, which is increasingly upgraded to meet natural gas quality specifications and fed into grids, is usually 5-10% lower than that of the natural gas supplied in a service area. The calorific value of hydrogen is even lower by a factor of 3 (per cubic meter). The equipment installed on the gas customer's premises normally only measures the gas volume, so how then can the energy content of the gas be determined correctly?
The billing of gas and the actual energy supplied is governed by various codes and standards. In Germany it is DVGW Code of Practise G685 which states that where several gases are fed into a pipeline system, the difference between their superior calorific values must not exceed 2%. If this limit cannot be met, then previously the network operator had no option but to measure the superior calorific value at each exit point, or to condition the gas supplied; in the case of bio natural gas, this was usually done by adding liquefied petroleum gas (propane). Both options come with significant costs for the network operator.
SmartSim offers a simple and efficient way of determining the superior calorific values needed for gas billing at exit points using gas quality tracking.
Please note that "www.smartsim.energy" redirects to an external website not operated by E.ON. E.ON is not responsible for the legality or content of the external site.
How does gas quality tracking work?
SmartSim relies on a number of input variables. Apart from network topology details, the tool requires measured values for the superior calorific value at all entry points and for the gas volumes at all entry and exit points. For gas distribution grids, which often have no volumetric flow meters at the exit points, the gas quantity taken can be determined using standard load profiles.
On the basis of this input data, which is generally available as hourly values, the flow condition of the entire network is determined by way of simulation. Using a special algorithm, gas packages are tracked backwards through the pipeline system from an exit point to the entry points. This algorithm – also referred to as the "back-propagation algorithm" – allows the operator to show at each exit point the percentages of the gases fed into the system as well as the transit times. One of the advantages of this method is that all relevant gas parameters (superior calorific value, normal density, gas components, Wobbe index, CO2 emission factor etc.) can be determined for each exit point on the basis of just one simulation run.
In practice, calorific value tracking takes place on a monthly basis, with the superior calorific value used for billing being shown as a volume-weighted monthly average for each exit point.
The validation of SmartSim is based on a statistical method – the Monte-Carlo simulation. This method, which is performed in accordance with the ISO Guide to the Expression of Uncertainty in Measurement (GUM), is a metrologically accepted way of determining measurement uncertainty for complex systems. It involves a random variation of the input variables in accordance with their measurement uncertainty and calculation of the impact on the output variable, e.g. the superior calorific value. Using a large number of simulation runs it is then possible to determine the uncertainty of measurement. The validation also involves technical measurement of the system with a mobile process gas chromatograph (PGC). Approval of the method by the responsible Office of Weights and Measures for fiscal gas metering has already been obtained by a large number of network operators in Germany.
Designed for transmission and distribution networks
Thanks to its very precise and efficient calculation model SmartSim can be used both for high-pressure systems and distribution grids without any issues. The calculation model was programmed in a discrete module - the SmartSim Kernel - which can be operated with a graphical user interface. The short calculation times allow even highly complex grids to be calculated within an acceptable time frame.
An interface for data import and export can be configured for different data and file formats (incl. XML, MSCONS, CSV), making connections to upstream or downstream IT systems really straightforward. The user interface can be operated intuitively.
Grid operators save costs where biogas is fed into their system
Grids that have to accommodate different gas qualities can be operated very flexibly by using tools such as SmartSim to track the superior calorific value of the gas throughout the grid. Where biogas plants feed into a natural gas pipeline, the calorific value of the biogas no longer needs to be brought in line with that of natural gas by adding propane. Apart from creating considerable cost savings, this also avoids additional CO2 emissions because propane is known for its adverse effect on the carbon footprint, which is the very thing the use of biogas is supposed to improve.
Please note that www.smartsim.energy is an external website not operated by E.ON. E.ON is not responsible for the legality or content of the external site.


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Yo-yo-yo, after almost a 3 months blog break, im finally back. Why im missing from here for so long? This question have to ask my Mummy, thanks to Baby Jr that growing inside Mummy's stomach and making her feeling unwell. Thus makes her no mood to update my blog.
Now, Mummy feeling better and she said she should not hold back any longer about my updates here. But the 1st update here was not a good news at all. Im almost choke to death today at my kindy. How its happened?
Puts the blame on the sweet that im eating. I was playing on the slide while chewing on the sweet. As usual, i will keep on jumping and running while waiting for my turn. Then suddenly my teacher realised im not moving and having difficulty in breathing. She quickly come to my aid with 2 other teachers. Thanks to her swift action, i managed to spit out the sweet. I didnt cry at that moment.
When Yi-poh comes to fetch me, the moment i step into the car, i start crying. My whole face got this red dot dot. Yi-poh got a shock, she thought i fell down or hurt myself. But then my teacher told her what happened just now. Once reached home, Yi-poh relate the whole incident to Mummy. Mummy got a shock, and quickly call my teacher again. She told the whole thing and keep on apologized to Mummy and sorry for what happened.
Mummy didnt blame my teachers, but have to thanks them indeed. Mummy knows how naughty am i, even she and Daddy also cant manage me well. But i do learn the hard side of this incident, i was banned from having sweets and chocs from now on till further notice. Sigh.... that my favourites..`
This is how i look like after being 'rescued', and according to Paed, it will takes more than 2 weeks time for the red spot to dissapearred.`


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(Excerpted from Chapter 3: The House of Saud & JP Morgan: Big Oil & Their Bankers in the Persian Gulf…)
With 261 billion barrels of crude oil lying beneath its soil, Saudi Arabia remains the lynchpin in the international oil grab presided over by the Four Horsemen. As Joseph Story, Middle East analyst and former ARAMCO executive once said, "Only one factor is involved in where the price of oil is going to go, and that is Saudi Arabia". Continue reading


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T2 1968-79 Bay Window Tooth Style Beam Adjuster (Each)
Aircooled VW Front Axle Lowering Products
Allows easy adjustment of ride height on any T2 Bay Window beam.
Only attempt installation of these adjusters if you are a confident welder / fabricator.
- Converts your Front Axle Beam from fixed to adjustable
- Adjusters are installed in upper & lower front end cross tubes
- Designed for up to 3.5" adjustment up or down for total 7" adjustment
- Allows you to set height of front end to suit your driving requirements
- Requires cutting and welding of axle tubes
- May be used with stock or modified front ends
Product Code: 30020023
OE Code: AC401340
Any Questions, Please Contact Us Here
Amazing Customer Service
Everyone on our customer care team is an experienced VW owner and works in our office. Rest easy knowing real people are ready to help you.Nothing is ever outsourced.View All Products
Latest How To Guide
Scott's 51 Swamp Bug
Picture this, in a forest somewhere deep in the heart of the Swedish marshland, during the late 60's this one of a kind '51 Crotch Cooler was left abandoned. During this period in Sweden the owner of…Read More


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It's no secret that I love trying skincare, and recently I was introduced to pur~lisse, which stands for pure and smooth in French. pur~lisse is a line founded by Jennifer Yen that fuses asian wisdom and modern philosophy. I had heard good things about the pur~lisse line, so I was curious to try it.
Although pur~lisse skincare isn't limited to a specific skin type, the products are formulated in such a way that sensitive skins will love it. I've been consciously trying to incorporate more "clean" beauty products and was pleased to learn that pur~lisse products are free of parabens, mineral oil, synthetic color/fragrance and are cruelty-free.
This time of year, as we transition our skincare towards colder weather, the gentle pur~lisse line is perfect. I tried a variety of pur~lisse products, and although I honestly liked every product I tried, my favorite pur~lisse products include:
The Blue Lotus 4-in-1 Cleansing Milk is a light, nourishing cleanser formulated with antioxidants and amino acids, including White Tea, Soy Milk, Whole Oat and Blue Lotus. This is a nice, everyday cleanser that doesn't strip your skin, yet thoroughly cleanses. It works well with my Clarisonic, too.
The Blue Lotus 4-in-1 Eye Adore Serum is probably my favorite product of all I tried. It's helped with my dark circles, firms, brightens and is great at hydrating the eye area. The consistency is more like a thick lotion, as opposed to a serum. I am impressed with the formula, too. The Blue Lotus 4-in-1 Eye Adore Serum has Blue Lotus extract (an antioxidant) and anti-inflammatory, Matrixyl 3000 peptide complex for firming, Haloxyl for dark circles and puffiness. Highly recommend!
I'm a huge sheet mask fan, and both the Blue Lotus + White Tea Treatment (renewing, nourishing and moisturizing) and the Blue Lotus + Seaweed Treatment (soothing & calming, balancing & restoring) Sheet Masks are like an infusion of moisture and hydration. I've taken both of the masks with me when I've traveled. I love relaxing with a sheet mask and then enjoying the glow afterwards. If you like, you can buy the sheet masks individually ($8) or in packs of 6 ($36).
Overall, I really like the pur~lisse line and wouldn't hesitate to recommend the products. It's a good line for those with sensitive skins or anyone looking to change up their skin care routine. You can find pur~lisse skincare at Skinstore.com and at purlisse.com. Have you tried this line yet? I'd love to know your thoughts and favorites!


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Bet Statistics
Over 90% of the ticket to play is based on certain statistical data. If your prediction results based only on the statistical parameters, then you don't have much success in betting. Statistics is a very important step in the analysis of teams, but not the decisive factor. Of course, can't afford not to omit this information, but the figures should be our guideline toward the introduction of a specific team or league. Based on the last few games we can conclude what kind of team morale. There is a tradition that in some leagues plays a major role. The relationship of given/conceded goals tells us about the quality of the team, a series of results tell us about the tactics of the team, and more statistical parameters that can give us insight into the profile of team.


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It's my birthday today! My "real" birthday!
My Ate invited PD and I at Tapenade, Discovery Primea.
We had the Salad Buffet.
Different kinds of bread
Ohhh I'm so off the wheat diet!
Cheese! Lots of Cheese! I especially liked the goat's cheese with mango and pineapple.
Prosciutto di Parma
Nuts, dried fruits and cold cuts
Pappadum and dips/spreads
All kinds of greens
Fresh oysters, salmon, etc
I got the Salami Milano, cheeses, prosciutto, nuts and dried fruits.
Bread!!! Pate
Pappadum with hummus
I did not eat salad though.
It was such an experience! I know my friends would love it at Tapenade!
Ohhh PD is so sweet!!! Loved her card.
Happy Birthday, Lia!


text: Share: Comments Print April 22, 2014 at 6:04 AM Minimum wage: What would happen to those currently making $15 an hour? Posted by Letters Coordinator Regarding Amy Martinez's article "$15 wage — and tips, too?" (Page One, April 21), the elephant in the room needs to be addressed: What is to happen to those of us who have worked for years to finally earn $15 to $16 an hour? I started in my trade at the minimum wage of $3.23, back in 1987. This idea of just giving people $15 an hour is infuriating. I paid my dues to get to this wage. Are we going to get a 61 percent "auto-raise," too? It seems only fair. — Kim Seigel, Bainbridge Island Comments | More in minimum wage | Topics: $15, Kim Seigel, Minimum Wage


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Crane service, demolition, portable welding, machine shop, metal fabrication services, trucking, and heavy equipment services are some of the services we can offer.
Our demolition service has years of experience and is the best of the business. We strive to make sure demolition is in line with codes and regulations.
We carry numerous cranes for varying projects and staff certified crane operators to help your construction project.
We currently have cranes available from 8.5 tons to 350 tons with a maximum reach of 380 feet. Our operators are NCCA certified. Many of them have been with us for over 20 years. We can provide prompt, reliable crane services.
We specialize in structure demolitions, foundation removal, dismantlement, and selective demolition. We have the experience, heavy equipment, and trucks to handle most projects. We work with some of the area's best asbestos abatement companies to provide turn-key service when required.
Eric Hastey- (806) 292-1735
Ken Hastey- (806) 292-7884
Steve Hastey- (806)774-5323
Main Shop- (806)296-7444
101 E 24th St, Plainview, Texas 79072, United States
Normal Hours
Monday - Friday: 8am - 5pm
24/7 Service


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Life on the road doesn't give me much time to respond to the questions people ask me online. Fortunately, things slow down a little bit during the summer. It seemed like the perfect time to stop, take a breath, and answer some of the most common questions I get asked.
Q: Does my spouse need a R:IQ too?
A: The R:IQ (Retire Inspired Quotient) figures what the household will need per month in retirement, so when I tell you to invest 15% of your income, that's your salary and your spouse's salary together. If you take the R:IQ assessment and it estimates that you'll need $4,500 a month in retirement, that amount is for both of you. That's why it's so critical to talk about your retirement dreams together. If the two of you know the goal and you're both committed to reaching it, you'll be working together instead of against each other.
Q: What are your thoughts on adding a whole life insurance policy to our retirement portfolio to give us an alternative distribution strategy?
My husband and I are investing 15% toward retirement, and we are also debt-free. We currently have term life insurance, so the whole life insurance would be used to give us flexibility to not receive mutual fund distributions during negative market returns.
A: No! Whole life insurance is trying to do too many things. It's trying to be insurance; it's trying to be a savings account; and it's trying to be an investment. The fees associated with this kind of insurance are astronomical. And that's just one of the problems with whole life.
If you're looking for a revenue stream that is not associated with your workplace retirement plan, I would look at two options. First, you could invest in mutual funds outside of work, which won't have any age restrictions or required minimum distributions. The only drawback there is that you'll pay taxes on the money you earn.
The second option is to use cash to purchase real estate, which would serve as another income stream, and that stream won't be affected by a downward turn in the market. There are taxes associated with real estate, too, so talk to a financial advisor and crunch the numbers to see which option is more financially advantageous.
Q: With mortgage interest rates being so low right now, why should I try to pay off my mortgage early?
Why shouldn't I invest that money instead since my return rates would be higher than the interest I'd be paying on my mortgage?
A: Great question! I understand how tempting it can be to throw everything at investing while the mortgage rate is low. But there are a few reasons why I want you to stick with investing 15% of your household income until you pay off the house.
- Control. Interest rates are determined by a small group of people in Washington, D.C., and I don't want to leave my financial future in their hands. I want to control the things that are controllable, and I can control how I budget and spend my money. I want you to remain in control, too, so that means making decisions that keep you in the driver's seat. Invest 15% first, then put money away in a college fund if you need to, and then throw anything extra toward paying off the house early. That way you're not at the mercy of someone else's decisions about interest rates.
- The unknown. In a perfect world, you could invest a boatload of money instead of paying off your house early. You could make the house payment every month and have nothing go wrong. But we don't live in a perfect world. You could lose your job. Or you could get sick. Or, heaven forbid, what if you got hurt and couldn't work anymore? Then you'd be stuck with a mortgage payment you can't pay because you put your money somewhere else. On the other hand, let's say you pay off the mortgage early. You own the house free and clear, which is a huge chunk of money you don't have to worry about if something should happen to you or your income. No matter what happens, you have your home.
- Peace of mind versus risk. I want you to have peace of mind, and I want you to eliminate as much risk as possible. Let's think about it this way: Say you have a 4% interest rate on your home and you think you'll get an 8% return on your investments. All things being equal, you'd be up by 4%. Again, all things are rarely equal. That's the nature of life.
The question you need to ask is whether that 4% you'd theoretically earn is worth your peace of mind—and your spouse's peace of mind. You can't just calculate the math; you also have to acknowledge the risks you're taking and the peace of mind you're giving up in order to invest more.
Personally, a paid-for house gives me peace of mind and lets me invest the money I used to give to the mortgage company. Win-win.
You'll notice that I didn't offer answers to detailed, individual investment and finance questions. That's because I don't know all the nuances of your financial picture. I don't think I could give you the best options based on my very limited knowledge of your unique financial situation. If you're not sure how much to invest, where to invest, or how to stay on track, talk to a financial advisor. If you don't know where to start, talk to a SmartVestor Pro. They're the folks I trust for my own investment portfolio. They can answer your specific questions now and in the future.


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Glossary provides definitions for uncommon wargaming or military history terms.
Back to the Glossary
697,368 hits since 29 Dec 2010
©1994-2019 Bill Armintrout
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A phrase used to tell members to take their political arguments somewhere else.
Original definition 30 December 2010 1:58 PM by The Gray Ghost.


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Before we go any further, I should tell you that I think Thor could have been a pretty good movie. The only thing that's truly wrong with it? It's about Thor.
I know he's a headliner, one of the Avengers and overall a rather popular part of the Marvel universe but I just don't find anything about him compelling or interesting. The best part of about most superheroes is they started out like any of us. Some might be obscenely rich like Iron Man or really smart like Beast but still, the origin story usually begins with a relatively normal person. On the other hand, we are fully aware of Thor's god origins from the start. Sure, his powers are taken away in an attempt to give us a quasi-origin story but c'mon, we see him swinging that hammer around for at least half of the preview.
Comic book writers have long figured out ways to give their superheroes weaknesses because unstoppable, unkillable beings are just not all that entertaining to watch since it removes tension or sense of danger from the plot. I scoured the nerdiest of websites on Marvel lore and couldn't find much evidence of Thor's weaknesses apart from the fact that he isn't particularly bright. There's also a bit of chatter about him needing to wear his belt to use his hammer time powers but I don't understand how his need to accessorize has anything to do with his fighting ability.
Thor begins with a little backstory, mostly regarding how the big bad frost giants were going around making people into popsicles until Anthony Hopkins and his funny hat come to take the bully's toys away. Naturally the frost giants aren't too happy about this and try to get their massive ice cube back, which triggers a poorly thought out attack by Thor (Chris Hemsworth). As a result, he ends up on earth, getting run over by Jane (Natalie Portman), some sort of scientist.
The character is based on Norse mythology so you'd expect everyone to look like some sort of viking. Marvel takes this one step further with Thor and makes it "vikings in space". Yes, that sounds silly but it could work given the right script and dialogue. Unfortunately, Thor is full of over-the-top lines stuffed with faux heroism like early '90s wrestling. I half expected Thor to tell the frost giants he'd see them at Wrestlemania next Sunday, Sunday, SUNDAY! Some of it works. The lines that were probably intended to be funny were actually quite funny. I laughed out loud when I saw the legions of rednecks pulling up their trucks and barbecues to the site where Thor's hammer landed, which includes a chuckle worthy cameo with Stan Lee. Thor's fish-out-of-water scenes are genuinely funny and endearing but between the unintentional comedy and a mostly uninteresting story line, there's not enough to keep anyone's attention.
That sort of wastes some rather good performances from the cast across the board. Hemsworth does his bit, as does Natalie Portman, even if their roles don't require much more than just being charming. It isn't Portman's fault that her character isn't believable. That isn't because of her performance but simply…there's no way scientists look like her.
That's really the bulk of the problems with this movie. The action is above average and despite some shoddy CG here and there, the film looks top quality. Even the fight scenes are done rather well. I thought there was only a couple ways a guy could fight with a big hammer but apparently there's quite a few more.
However, I simply didn't care about anything happening. There's never anything really at stake. Sure, it would probably be in Earth's best interest if Asgarde is there to have our back but none of what goes on in Thor really matters. Not much is at stake for the viewer. I just don't care about any of anything that's going on on screen. There isn't even a big bad guy for Thor to fight…not one that most viewers will care to watch anyways. There are a couple of interesting Marvel Universe cameos that show up in the film, including one of Jeremy Renner as Hawkeye but overall, I felt like I could've just skipped Thor and not be any worse off.
It's a decent action flick if you want to see vikings in space beat up on strange blue dudes and I'm sure all the Marvel fans will be all over this but for the casual viewer, this is probably one of the least interesting comic book movies and surely the worst to come from Marvel.
…oh wait, forgot about Spider-man 3.
Verdict: 5.0 out of 10


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Crock-Pot Express 8-in-1 Crock Multicooker – 6QT - SCCPPC600V1-033
Crock-Pot Express 8-in-1 Crock Multicooker – 6QT - SCCPPC600V1-033
Item # L9786575
As Advertised
Reg. $99.99
Deal of the Week:
Add a Kamill Hand Cream for only $3.00
Click BONUS in the checkout to access and add to cart.
Discovery deliciously convenient cooking with the Crock-Pot Express 8-in-1 Multicooker. <_o3a_p>
Find Your Foodie Flexibility with Multiple Cooking Options <_o3a_p>
With eight possible settings and one-touch digital controls, it's easier than ever to serve up flavourful feasts ranging from tender roasts to luxurious soups. Steam vegetables for a healthy side dish, tenderize tough proteins in record time using the pressure cook function, or take advantage Crock-Pot's signature slow cook setting and let breakfast simmer while you sleep.<_o3a_p>
Recapture Your Culinary Creativity <_o3a_p>
Program your way to restaurant-worthy risotto, make your own yogurt, or delight guests with cobbler or unforgettably rich chocolate lava cake without ever turning on the oven. Set up supper before you leave for work or keep a fully cooked meal warm while everyone washes up. With a range of expert settings and a delay start timer at your disposal, the options are practically endless.<_o3a_p>
Cook for a Crowd – Without the Cleanup <_o3a_p>
The roomy, 6-quart insert provides plenty
of space to sear and sauté, and it's dishwasher safe for quick, fuss-free
cleanup. Get dinner on the table in record time when you let your Crock-Pot
Multicooker do double duty thanks to a versatile roasting and steaming rack.
Other accessories include a measuring cup, lid holder and recipe book, so
you're fully equipped for culinary experimentation.
- Multi functions allow you to cook a variety of ways, depending on time and preference (slow cook, fast cook (pressure cook), brown/sauté; and steam)
- One touch digital controls make this unit easy to use and incredibly versatile
- Removable 6qt non-stick inner pot is dishwasher safe for easy clean up
- Stainless steel design
- Roasting/steaming rack & measuring cup
- Lid holder, for mess-free counters
- Recipe book
Brand Description


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The Lexus RC F is taking the fight to the mighty BMW M4. How does it fare on the track? The folks over at AutoExpress headed to the track to see which one is a better car.
The Lexus RC F is powered by a naturally-aspirated 5.0 liter V8 engine producing 467 horsepower and 389 lb-ft of torque sent to the rear wheels via an eight-speed automatic transmission. 0 to 62 mph is achieved in 4.5 seconds. It weighs 1,840 kg (4,057 lbs).
In contrast, the new BMW M3 and M4 have dropped the V8 naturally-aspirated engine and are now using a 3.0 liter, six-cylinder inline turbocharged unit.
READ ALSO: BMW M4 vs Lexus RC F – Choose Your Favorite
Lexus RC F Tech Tidbits
The all-new, 3.0-liter BMW M4 engine is approximately 10 kilograms lighter than its V8 predecessor and packs an even stronger punch. With 425 horsepower from 5,500 – 7,300 rpm, 406 lb-ft of torque from 1,850 – 5,500 rpm, and capable of 0-60mph in 3.9 seconds when equipped with the M-DCT transmission (4.1 seconds with standard 6-speed manual). It has a DIN-balanced weight of 1497 kg (3,300 lbs – without driver and luggage).
Let's have a look.


text: Talbots is known for its trendy and charming directly leg denims using their varied styles and colors. These come in three main colours; white, blue as well as black. They're primarily of a unique, history or modern match. Nearly all women do prefer to wear straight lower-leg jeans because they really feel more classic and comfy. They could be worn more than flat shoes, and they're embedded having a squat and a metal switch that is mostly of the decorative style. They're inserted with 5 small pockets. Furthermore, straight leg denim jeans are considerably better end up being worn by slim or middle size women because they are the somehow tight and therefore so that they show themselves shape. Meanwhile, there's a space for the waistline belt. They are travel fronted and comfy to be put on for an extended time. They are mainly made of cotton as well as spandex. Among those straight lower-leg jeans take root having a stretch material, and may be washed effortlessly.


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Updates on Workday (Why an HCM? Why Workday? Who is Workday? Etc.), the TAMU Data Center (Why a new data center? Why this strategy? Etc.), and the Security Operations Center (Why a Security Operations Center? What will it do? Etc.) were made to the CEO/Presidents and the Board of Regents last week. The updates were well received.
The Service Now Steering Committee meets this week.
The Digital Center of Excellence Steering Committee meets this week.
Registration is now open for the 2015 Chancellor's Summit on Academic Technology, which will be held in College Station, TX on Thursday, June 25th at the Annenberg Presidential Conference Center. Register here: http://tx.ag/CSAT2015Registration.
The event is free of charge and open to all A&M System faculty and staff. The deadline for registration is Monday, June 22nd, 5pm. Building upon the success of last year's summit, this event is designed to bring technology professionals and academic leadership across the A&M System to share information and ideas on important academic technology issues that impact the member institutions.
Summit keynote speaker is Dr. Ellen Wagner, Chief Research and Strategy Officer, Predictive Analytics Reporting (PAR) Network. Her talk will be about the new directions in higher education and student success. Sessions topics, presented by individuals representing various A&M institutions, include (subject to modification):
- Intellectual Property
- Next Generation Learning Spaces
- Identity, Collaboration, and Impact: Enhancing Research With Open, Integrated Digital Systems
- Demystifying Virtualization: Perspectives and Lessons Learned
- Change Management for Technology Professionals
- Creating and Growing Online Programs
- Competency-based Learning and Alternative Credentials
- Accessibility and Universal Design
- Task force updates on accessibility, identity management and authentication, quality assurance in online and blended education, and state authorization
Following the Summit sessions, there will be a reception for the summit participants, hosted by Chancellor John Sharp. The plenary sessions will be broadcast live and recorded. By registering for the event, you consent to having your image and/or audio possibly included as part of the broadcast and recording. For questions related to the Summit or if you require an accommodation under the Americans with Disabilities Act (ADA), please contact:
Ms. Sheri Pappas, Coordinator of Academic Initiatives, The Texas A&M University System
System-Wide Contracting News
Open Records Management System Demos – AINS and WebQA demos will be held on Monday, May 4, 2015, in room 122 of the Moore/Connally Building. GovQA will present from 1:00pm to 2:30pm. AINS will present from 3:00pm to 4:30pm. You are invited to attend the demonstration in person or by webinar to enable you to see each system's capabilities and ask questions. Your input will help us make the best choice for the A&M System and we hope you and/or your key staff can participate. Please contact me for information about the two Webinars.
Adobe reached out to TAMUS about offering a revised System-wide ELA agreement. The System Office will make their revised proposal(s) available as soon as they are received.
In Process
The RFPs for Member Governance, Maestro RFI, and Digital Mobile RFP are being reviewed by OGC.
TAMUS is finalizing the amendment to engage SolutionsPlus to provide RFP evaluation assistance for the Banner Services RFP.
Eight companies responded to an RFP for an Electronic Board Book Portal. That list has been cut down to four finalists. Dates and times for the demonstrations will be worked out this week.
Siteimprove checks web pages, every five days, for spelling, grammar, broken links, and accessibility. The cost is 54 cents per web page per year. Any Members interested in adding this service need to contact me directly.
The System-wide agreement with Cisco WebEx allows Members to purchase licenses for their entire faculty/administrators at the low cost of $1.44/month/license.
Syncplicity licensing is available for all Members.
In Process
The third round of negotiations with Workday take place this week. Work is focused on the cost, the timing of the first payment, and a handful of services being requested.
TAMU began negotiations with the component #1 vendor (data center build out) last week. The evaluation of the second component (compute and storage) and third components (IT services) will commence in Mid-May.
Utilities & Energy Services is working with Agrilife to serve as the pilot of Cisco EnergyWise.
SCIO Trips/Visits
- No trips scheduled for this week
- North Dakota (May 11-12)


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This months Birchbox is supporting CoppaFeel, a charity that was set up by Kris, a 23 year old who found a lump in her booby and was not referred on by the doctor due to her age. 8 months after she found the lump she was diagnosed with breast cancer, that had also spread to her spine.
CoppaFeel was created by Kris to remind younger women that breast cancer is not an old woman's disease and to check their breasts.
You should check out the website as not only is there so much information, you can also sign up be sent monthly texts to remind you to CoppaFeel!
Birchbox are also donating a pound to the charity for every new subscriber throughout October and another pound if you do this and share the image online!
(Image from the Birchbox Blog)
I have received other KMS products in my Birchbox in previous months but this is my overall favourite!
The write up states 'Use to add volume and style' which it does, I have quite fine hair so without a ton of hairspray or dry shampoo it is really difficult to gain any volume. I have found with this Playable Texture I do not need too much to create some awesome volume and set my hair style.
I am not normally a lover of red nail polish but there is something about this colour that has made me wear it everyday since I received my box.
The durability seems excellent, 5 days so far and no chips or a need to touch up and I can just tell this is going to be one of my go to colours for the next couple of months.
How cute is this lipstick pen, right? Although, I was slightly embarrassed when the boys in the office saw this and mistook it for something completely different!
I haven't got around to trying this yet but from the reviews I have seen online it does seem like a lot of people are obsessed with this product as soon as they start using it.
I will keep you updated on my thoughts once I try this!
This has got to be my favourite product from this months box, not only is the packaging gorgeous but it also smells like Kinder Shocko-Bons which I absolutely love!
This is the first time I have used this lip balm but I will be buying this again for the upcoming winter months to protect my lips from chapping from the cold and the wind.


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Front Bumper Lip
Front Bumper Lip (select which side you need).
Fits the following models:
This piece is on the bottom of the front bumper, mounted in front of each wheel. Please select the left side or right side.
Fits the following models:
- All Boxster models 1997-2004
- All Carrera models 1999-2001
- All GT3 models 1999-2005
Customer Ratings & Reviews
Be the first to rate this item!


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Celebrate the Spirit of Ramadan at Al Raha Beach Hotel
Bask in illuminating Ramadan traditions at Al Raha Beach Hotel as the luxury beachfront hotel in the heart of Abu Dhabi presents delectable Iftar and Suhoor offers for the celebration of the Holy Month of Ramadan.
End the day's fast with a sumptuous Iftar buffet at Sevilla Restaurant and experience an excellent Arabic hospitality savoring classic Arabian cuisines mixed with Oriental, European, Mediterranean and Asian influences. The buffet offers a selection of fresh dates, salads, Ramadan juices and refreshing beverages complete with mouthwatering deserts.
Savor the taste of a delectable Sohoor buffet at the Wanasah Cafe Lounge featuring Ramadan delicacies which includes Arabic coffee and dates with various tobacco and sisha selections. Soak in tunes of a live Oud player while enjoying a choice of interior or al fresco dining.
Experience Ramadan traditions by booking your Iftar buffet with family and loved ones before 10th of May and enjoy exclusive offers discounts during the entire month.
Iftar buffet at Sevilla Restaurant will be up to 10:30pm and priced at AED180+ per person while Suhoor buffet at Wanasah Café Lounge priced at AED95+ will be served from 11:00pm – 1:00am. The hotel also offers Iftar banquet packages from AED160+ for a minimum booking of 30 people.
Discover a different taste of Ramadan with your family and friends at Al Raha Beach Hotel. For reservations and further information, call Al Raha Beach Hotel at +971 2 508 0555 or email email@example.com or visit www.danathotels.com


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Cheap Homes in Medina
For results, try to expand your search area or browse all real estate listings in King County.
Real Estate Experts in Medina, WA
Looking for Medina, WA cheap apartment for rent? Point2 Homes has affordable apartments for rent in Medina, WA area. Save precious time and effort, find nearby homes for rent, houses or apartments for rent near your current location and choose the ones that best fit your needs.


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Day 2 – to the Sach Pass (Udaipur to Kilar)
For sure this must be one of the most beautiful routes that I have ever cycled. It took us almost 8hrs to ride the 80km to Kilar for a number of reasons: really tough terrain of unmetaled, stony roads and scenery that we simply had to stop for, every couple of kilometres. The road slithered and climbed along the ever narrowing and harrowing Chandrabhagga river valley.
Bridget Ringdahl
I live in Howick, KwaZulu-Natal which is great cycling country, within 10 minutes I can be bouncing along some of the finest single tracks in the province.
Latest posts by Bridget Ringdahl (see all)
- El Pancito at the Races - 12th Nov 2015
- The Adventures of El Pancito: First Chariot Micro-Adventure - 3rd Jan 2015
- Chamser Kangri, all of 6622m – Changthang Ladakh - 24th Apr 2014
- Nuncles (2)
at an exciting journey and what scenery. The 21st century is far from this unspoilt (?) place.
- Susanne
Beautiful scenery!
Hey Bridget First, congrats on many a adventurous ride. Do you remember what time of year you went through Sachs pass in Srinigar? Gonna try again this year but and looking at early July. Should be OK, but you never know. Just gotta see that road. On our way to Leh, again
- Bridget Ringdahl
Hi fred, lucky you!! We went over in late september... you never know with the weather. A few days earlier/later we would have been caught in rain and that was Sept!! All the best for your July ride... let me know how you get on..


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Barnes & Noble Offer a Limited Edition Version of 'Dead Ever After' by Charlaine Harris
May 2, 2013 by Rachel Tsoumbakos
The Author Will Also Sign the Book:
What's a better way to end the long-running Southern Vampire Mysteries series than with an exclusive linen bound, signed by the author, copy of Dead Ever after?
Barnes and Noble announced on April 15th that the loyal Sookie Stackhouse fan can own this very special piece of history for only $125!
That piece just out of your price range? Then why not pre-order it and get it at the special price of $81.25 – that's 35% off the recommended retail price. But you'll need to hurry as, with all good things, it must come to an end – when all 2,500 copies are sold.
To get in early, you can pre-order here.
After May 7th, you can purchase the book directly from Barnes and Noble.
Source: Barnes & Noble – Dead Ever After (Limited Signed Linen-Bound Edition)
(Photo Credit: Ace Hardcover Publishers)


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When you decide on your asset mix and investment strategy, your primary focus should be your tolerance for volatility, expectation for returns, and ease of implementation. These important factors do not change by account type; they do change by your income, the size of your monthly contributions, your investment timeline, your experience investing, and how far away you are from retirement.
Generally speaking, all of your accounts should be treated as one big portfolio. Then, based on the desired asset mix, allocate a particular asset type to each account as most appropriate giving consideration to taxes and risk. Tax optimization is easier to manage and more straightforward for buy-and-hold strategies than for more active investment strategies.
Always remember: good investing first, tax optimization second. Don't let the tax tail wag the investing dog.
What Assets Go Where
Investment Account Rules of Thumb
- Use for high growth products only.
- Use for Stocks/ETFs such as US Index, Canadian Index, International Index, Emerging Markets Index.
- Use for Canadian REITs in more complex portfolios, especially when far away from retirement.
- Good place to buy/sell and move products and allocation around as you don't pay taxes ever.
- Avoid bonds as they are low growth.
- Avoid foreign high-yield dividend stocks.
- Avoid highly volatile products as you cannot take advantage of losses, or contribute to the account in excess of contribution limits.
- Use for high growth investments, especially when starting out.
- Use for lower growth investments if RRSP accounts get too large.
- Use for U.S. stocks/ETFs which pay dividends as U.S. taxes are not withheld on dividends from U.S. stocks when held in an RRSP. If you have more than $100,000, consider converting to a U.S. dollar RRSP buy on the U.S. exchanges. To benefit from this, U.S. stocks/ETFs must be purchased on U.S. stock exchanges with USD accounts!!
- Use for high-yield corporate bonds.
- Good place to buy/sell and move products and allocation around as taxes are not paid until you actually withdraw from the account.
- Avoid tax-advantaged products such as Canadian dividend payers and Return of Capital products when retired.
- Avoid highly volatile products as you cannot take advantage of losses, or contribute to the account in excess of contribution limits.
Non-registered (Cash/Margin) Accounts:
- Use for all investments after optimizing TFSA and RRSP accounts.
- Use for Canadian stocks/ETFs with dividends if lower income.
- Use for swap-based ETF products which convert all distribution returns to deferred capital gains, especially when high income.
- Use for foreign stocks/ETFs which have high capital growth and low dividend yields.
- Use for volatile products to realize capital losses which can be carried forward indefinitely. Be careful to make sure you don't trigger superficial loss rules.
- Use for Return of Capital products when retired, or close to retirement. Canadian REITs and other Income Trusts.
- Use for Canadian preferred shares when retired.
- Avoid foreign high-yield dividend stocks, especially in your accumulation years.
- Avoid high-yield bond products as all your interest gains will be fully taxed.
- Avoid buying/selling or moving products as realized gains will be taxed each time. Except when locking in capital losses.
Balanced Portfolio Example
I will use the asset mix of the Growth Portfolio with individual ETF components as an illustration. It's important to note the Growth Portfolio is intentionally designed to be easy to implement and maintain, while providing decent long-term returns. More complex portfolios can have advantages such as cost savings, less volatility, and somewhat higher returns through better capture of re-balancing gains. However, these advantages generally only come into play when you have a large portfolio (over $500,000).
The Growth Portfolio has just 4 components: an All-World Index ETF, a Canadian Index ETF, a Canadian Bond Index ETF, and a Global Gold Index ETF.
What ETF should you hold in each account if your combined investments are $250,000? You have $70,000 in your TFSA, $100,000 in your RRSP, $80,000 in your Cash/Margin account.
We know that XAW.TO holds foreign stock which pays a small dividend (1.55% currently). These are foreign dividends so they are fully taxed as regular income. HXT.TO doesn't pay dividends, but XIC.TO does. Choosing the right one depends on your income level more than anything else: high income use HXT.TO, lower income use XIC.TO. HBB.TO doesn't pay distributions. XGD.TO pays virtually no dividends, but when it does they are partially Canadian dividends and partially foreign dividends.
To meet our desired asset mix, we need to invest the following amounts in each ETF across the entire portfolio:
TFSA: $70,000 in XAW.TO
We want our highest growth assets here because the gains are never taxed again. Our highest growth ETFs are XAW.TO and HXT.TO. Considering we don't want to pay full income tax on foreign dividends shrinking our returns, it's best to fill your TFSA with XAW.TO in our example.
RRSP: $80,000 in XAW.TO and $20,000 in HXT.TO/XIC.TO
We are currently still growing our RRSP account and it's certainly not too big. For these reasons, we are going to put the remainder of our XAW.TO and some of our HXT.TO/XIC.TO in here.
Cash/Margin: $30,000 in HXT.TO/XIC.TO and $25,000 in HBB.TO and $25,000 in XGD.TO
The Cash/Margin account is a great place for Canadian dividends (if you're in lower tax brackets), swap-based products, and volatile commodity based products. We'll put the remainder of our Canadian stocks here. HXT.TO for high earners, XIC.TO for lower earners.
XGD.TO is typically quite volatile. If it happens to drop substantially (more than 10%), you can always sell it to realize your capital loss and purchase ZGD.TO—a slightly different ETF. When in a Cash/Margin account, realized capital losses can be used to offset capital gains now, or in the future.
HBB.TO is a great bond product for Cash/Margin accounts because bonds are lower growth products and and this ETF converts high-tax interest income into low-tax deferred capital gains income.
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WORCESTER BUSINESS JOURNAL – State officials agreed this week to fund $1.6 million of infrastructure upgrades as part of the redevelopment of the former Hewlett Packard complex in Marlborough, according to the Marlborough Economic Development Corporation.
The state money will be used to improve the roadways and make the Forest Park area more bike and pedestrian-friendly.
"We're here to celebrate a wonderful public-private partnership," Gov. Deval Patrick said while at the Simarano Drive site. "It's helping to really establish a whole new neighborhood here in Marlborough, and I'm proud to be a part of it."
Quest Diagnostics will be moving into a 200,000-square-foot lab on the property in mid-2014, consolidating operations from two other Central Massachusetts sites.
That will be complemented by 350 apartments spread across 23.5 acres of the site. AvalonBay Communities paid $14.88 million Oct. 21 to purchase the land, and expects to start construction in December.
Other elements in the first place of the Forest Park development including a three-story, 125-room hotel and an additional 530,000 square feet of office, research and design space.
This story originally appeared here.


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Technical Paper
Cabin Air Humidity Model and its Application
In addition to the thermal comfort of the vehicle occupants, their safety by ensuring adequate visibility is an objective of the automotive climate control system. An integrated dew point and glass temperature sensor is widely used among several other technologies to detect risk of fog formation on the cabin side (or inner) surface of the windshield. The erroneous information from a sensor such as the measurement lag can cause imperfect visibility due to the delayed response of the climate control system. Also the high value, low cost vehicles may not have this sensor due to its high cost. A differential equation based model of the cabin air humidity is proposed to calculate in real-time specific humidity of the passenger compartment air. The specific humidity is used along with the windshield surface temperature to determine relative humidity of air and therefore, the risk of fog formation on the interior surface of a windshield.


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The best live music venue in our area will be closing at the end of the year. A more complete story is here: http://news.cincinnati.com/article/20111128/ENT03/111128015/Southgate-House-closing
Unfortunately the article doesn't say why it's closing, nor is there information about what will happen to the building. The owner is hoping to relocate the business.
The Cincy Blues Society's Winter Blues Fest has been held at the Southgate House for several years and was planned for being there again, so stay tuned for changes to that event and location.
UPDATE: WLWT Channel 5 news reports that the venue will reopen in another location in Newport in the first quarter of 2012 using the same employees.
UPDATE: Metromix and other sources report that the building was lost in a legal battle with the owner Ross Raleigh's sister, Armina Lee. https://chicago.metromix.com/
Lee, who also owns the Brass Ass adult club in Newport, plans to renovate the building, then sell it or lease it as a music venue.


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Dr. Jill Stein, a Green Party Candidate for President in 2012, makes her first campaign swing to the Mid-Atlantic region this week with visits to Occupy Wall Street protests in three cities, and fundraisers in three states plus the District of Columbia.
A full listing of events is located here: http://www.jillstein.org/events
A summary of Dr. Stein's published schedule is as follows:
WEDNESDAY: Arlington, VA Reception for Jill Stein
Wednesday, January 18, 2012 at 07:30 PM
1812 N. Huntington Street, Arlington, VA 22205 in Arlington, VA
THURSDAY: Occupy Delaware – Dover
Thursday, January 19, 2012 at 01:30 PM
Legislative Mall in Dover, DE
THURSDAY: Occupy Delaware – Wilmington
Thursday, January 19, 2012 at 03:00 PM
Spencer Plaza in Wilmington, DE
THURSDAY: Baltimore, MD Reception for Jill Stein
Thursday, January 19, 2012 at 07:00 PM
2813 Maisel Street, Baltimore, MD 21230 in Baltimore, MD
FRIDAY: Occupy the Courts
Friday, January 20, 2012 at 12:00 PM
U.S. Supreme Court (meet at Area 9) in Washington, DC
Occupy the Courts will be a one day occupation of Federal courthouses across the country, including the U.S. Supreme Court in Washington, D.C., on Friday January 20, 2012. Please join Dr. Jill Stein, and her campaign manager, Ben Manski, as well as 2004 Green Party presidential nominee David Cobb and former Green Party Senate candidate Media Benjamin at the Occupy the Courts rally in our nation's capital.
FRIDAY: D.C. Reception for Jill Stein
Friday, January 20, 2012 at 07:00 PM
La Orilla ~ The Home of Dave and Olivia Bosserman in Washington, DC
Meet and greet Jill Stein, Green Party presidential candidate, in her first campaign visit to the nation's capital. This "Green Soup Party," a La Orilla tradition, will be a great opportunity to connect with this year's most exciting and important election campaign.


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Wednesday, April 14, 2010
it is time to shop for clothes
The little man needs new shorts. He only has three (I think) because I did not buy him any last year. In fact, the shorts he has now were bought over a year ago when I chanced on store sales. Clearly I have not thought well enough in advance about what my boy will need. He has several jeans but I know if it gets too hot it will not be comfortable for him to wear those. I have to run to the mall to get him shorts and maybe a few shirts as well. I have to check if there are any sales going on on stores I frequent though so I don't have to pay a lot of money. And maybe get the clothes a size or two bigger so it will still be useful a few months later. What we have right now are assortment of shoes which his father bought for him a few months back. The shoes are of different sizes so we do not have to buy when we need it. All shoes and no clothes, lol. It is time to embark on a shopping trip. Yay! I like.
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Mansell "Smitty" and Virginia Smith, of Ponder, Texas, celebrated their 50 wedding anniversary on April 5, 2014, with a surprise anniversary party hosted by their children at Lil' Einsteins Academy in Ponder.
The couple married on April 4, 1964, in Lake Dallas, Texas. Smitty founded Smitty's Floor Covering in 1958, and both Smitty and Virginia are retired from the family-owned company. Smitty is a member of the Denton Racing Pigeon Invitational Club.
The couple has seven children: Shirley Neece of North Richland Hills, TX; Ricky Smith of Sanger, TX; Darlene Rogers of Krum, TX; Teresa Smith of Ponder, TX; Sil Smith of Ponder, TX; Dodie Spencer of Plano, TX; and Cynthia Sallee of Ponder, TX. They also have 15 grandchildren and 17 great-grandchildren.


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(CNN) - VoteBoth, the organization that is aggressively seeking to land Hillary Clinton on Barack Obama's presidential ticket, says it has upwards of 25,000 signatures on its petition calling for the New York senator to serve as No. 2.
According to the group's co-founder, Sam Arora, the vast majority of those signatures came entirely after Obama clinched the party's nomination Thursday and were generated largely on media buzz and interest in the potential for a unity ticket.
"The online activity we've seen is a sneak peak at the millions of Democrats who are hoping for an Obama-Clinton dream ticket," Arora told CNN.
"The choice is Sen. Obama's alone, and we hope to continue making the case to him that choosing Sen. Clinton would unite the Party and lead us to victory in November," he also said.
Those who have signed the petition include several prominent Democrats, most of whom were backers of Clinton, including Govs. Ed Rendell and Tom Vilsack and Sens. Chuck Schumer and Dianne Feinstein.
Since Obama officially clinched the nomination Tuesday night, several high-profile backers of Clinton have publicly urged she serve as the Illinois senator's running mate.
Clinton even reportedly said she was open to the possibility in a conference call with supporters earlier this week, though her campaign issued a statement saying she is not actively seeking the job.
Arora said the organization will continue to step up its efforts for a unity ticket, and explore several different avenues for getting its message out. On Thursday, ardent Clinton support Lanny Davis, whose fierce support of the former presidential candidate has become a fixture on cable news shows, signed on to the group as a senior adviser.
Sorry, bad poll.
And I don't believe it for a second.
Obama should pick who he can trust, depend on and who will be the right choice for HIS administration.
Petition all you want! Hillary WILL NOT BE ON THE TICKET. Why?
Because she cannot get past the vetting process Obama will demand of all VP choices. She knows that will mean opening the books to the Clinton library and foundation, making known all donors for each. Bill will not be willing to do this and it will seal her chances to accept. She will have no choice but to refuse.
These guys are only concerned about Hillary, not the United States. This is just like Hillary's campain, all about her becomming President.
The only reason she's willing to consider VP position is because she sees an opportunity to become President herself, BY ANY MEANS, she will do it!!!
Stop kidding, Barak doesn't need any negative energy around his compaign right now, and whoever threatens to vote for McCain isn't worth listening to anyway... GO AHEAD; Republicans will vote for Barak.
As an AQrizonan, if McCain wins in Nov. i will move to any other country, and renounce my citizenship. That is how strongly I feel about this.
25,000 is nothing. Stephen Colbert gets absolutely huge responses to petitions and puts this one to shame. He should put a new one out asking people to say whether or not he should be VP. The Democratic party wouldnt allow him on the ballot on South Carolina but that doesnt preclude him from being chosen in Denver. Laugh if you want. But if responses to petitions is the criteria Clinton then doesnt have a chance.
Stephen Colbert for VP!!
Po-tay-toe, po-tah-toe. One calls it 'blackmail' the other one calls it 'will of the people.' If one half of your party says they want one thing otherwise you'll lose their vote is that really 'blackmail' or is it a request to represent the entire party, not just one half?
Obama won the nomination. But face reality people, he won it by less than 0.1% of the popular+caucus vote! Does that give Obama and his supporters the license to ignore nearly half of their party and do whatever they want? No. It gives them a warning that they do indeed need to make concessions. You can be naive and idealist and say 'the choice is Obama's alone' but real politics have shown over and over again that that's just fluff. Sure the decision is his to make. And voting for whomever they choose as a result is the people's decision to make.
I say no to that!
Why is it that Mcain has won the RNC vote for several weeks now and no one has been putting pressue on him to chose his running mate but the following day after Barack won,that all the medi has to talk about.Let him take his time.We all know that he makes good decisions so lets just set back and wait
Is Hillary really THAT Desperate that she support this kind of pushy behavior? The decision is Sen Obama's and I believe he will not be bullyed, pressured or blackmailed to Take Hillary to appease her voters. Get Over it Already!!!!
I do not know why CNN is giving so much importance to VP post. Don't you ahve any better news to report here. First of all Barack Obama is a clown so why do you want Hillary to join his bandwagon. It is better if he appoints jeremiah Wright or Louis Farakkan to nominate as VP.
25,000?! LOL!!! And how many of those are Rove-ing Republicans? That's such a small number, it could probably actually be zero with a statistical margin of error.
No Hilary, no vote from me. I will not vote Dem unless Clinton is on the ticket.
no way I would sign this...........but I would not sign one for anybody. Everyone needs to slow down, take a deep breath, break bread and chill out for a few weeks, and take some time to figure it out. If Hillary is the best choice, thats who they will pick.
Can you all leave him alone, so he can go thru the process and pick who he wants.
Only 17,975,000 to go.
Barack Obama, the Democratic Presumptive Nominee said just yesterday very clearly that he plans to run the process to pick a running mate, and that he will make the next statement if there's any new development re: the ticket.
That's leadership. He took the bulls by the horn to stop silly rumors, idle speculations, tabloid journalism, and the pot-stirers. What part of wait until we hear from him is unclear?
PLEASE !!! leave the guy alone! let him choose what's best for him and the country, whoever votes for McCain anyway they are voting for more Iraq war and more death for our own soldiers and death of Iraqies, plus they have and afford health insurance.
Let me know when it hits 18 million
Come on Hillary supporters........give it a rest !!!
You can not force anything and expect it to come out right.
RESPECT Hillary and do not try to force her down Obama's throat. That would only result in an uncomfortable working situation between them.
RESPECT our nominee and give him the right to pick whoever he feels will best work " with him" and for our country. He will do the right thing.
The DNC has started to pull the strings.... Sen. Obama can't win without Hillary but Hillary can without him. His closet is too full of questions and the skeletons of the past will rain on the DNC for not supporting the stronger, wiser ad more experienced choice in the first place. Strong arm tactics will not win the GE and 18 million disenfranchised democratic voices are not that easily shut up. The argument that now Sen. Obama is the nominee, all should support him is pure rubbish. The serious decision of who must lead this great land must be made by the people and not the DNC. I found Sen. Obama lacking and still do. I do not choose him for President no matter who his running mate!
This is so unfair because these same people would not wants the Obama supporter to hijack her nominee for Veep!
These people needs to get over it and stop being stuck on STUPID!!
it's not your choice, it's not my choice, it's not Hillarie's choice... It's OBAMA'S choice... and if someone doesn't vote because Hillarie isn't on the ticket, I think you have to ask yoursefl what you're Really voting for... a part of the cause or the WHOLE cause!
Unless you're filthy rich and the current state of the economy is not affecting you, WHY in the world would you vote for someone who has said he wants to keep things "status quo?" (McCain) Are you kidding me?? We NEED change. I believe a joint ticket would be a great thing for this country. I respect McCain and his service to our country, but we need something different. Obama and Clinton would bring about that much needed change.
Hillary, just wait for the Michelle Obama tape to be released by the GOP and the DNC will come crawling back to you.
Hillary or McCain 08.
There is more news worthy items to write about. The Democratic primary is over and Senator Obama won. Both candidates could not win. The choice of a running mate is the job of the winning candidate.
CNN, why can't you just leave it alone and cover some of the other newsworthy items. Obama reminded Candi Crowly just yesterday a process is in place for choosing a VP candidate.


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I got this sleeve to completely shield my arm from the sun, while some scars on my arm are healing. The sleeve works great and is comfortable. The sleeves arrived in two weeks.
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|Product Information
|Model Number
|Product Color
|Customized / Optional
|1 set
|Restaurant Furniture
|Modern, Northern, Antique
|Place of Origin
|Guangdong, China (Mainland)
|Guarantee time
|2 years
|Exportation Standard
|OEM/ODM can be accepted
|Price terms
|Simple Installation before use
|Payment terms
TT, 30% Deposit,
70% Balance before delivery
|Supply Ability
|5000 sets per month
|Delivery Time
|21-30 days after received deposit
|Product Size
Booths Size:Double booths:120*65*105cm
Table Size:Long table:120*60*75cm
Chair Size:53*46*80cm
Size could be customized
Booths Material: solid wood frame, leather or fabrics, high density sponge
Table Material: plywood with veneer desktop, iron leg
Chair Material: solid wood frame, leather or fabrics, high density sponge
Ash wood, Rubber wood, Oak wood, Beech wood, Pine wood, are our usual wood
Plywood, Particle Board, MDF, Melamine board, Fire-proof plate, can be order
Import from North America and Russia hardwood, non-defrmation, no crack, delicate, thickness
Iron, Cast iron, Chrome steel, Aluminum alloy, Stainless steel, can be order
Resisting, anti-abrasive, anti-aging
|Fabric / Leather
Real leather, Faux leather, PU, Bonded leather, Linen fabric, Cotton Fabric, can be order
Various of fabric/leather for your choice, and it also can be made fireproof
Environmental high density sponge, durable, comfortable
Environmental protection paint, waterproof, wearproof, unscented
|More Information
1. Canteen, Restaurant, Dining hall, Dining room, Refectory, Victualing house
2. Hotel, The Mirage, Lodge, Tavern, Public house, Tavern, Dispensary, Grogshop, Lobby
3. Bar, Pub, Saloon, Wine bar, Club, Bistro, Wineshop
4. Coffee shop, Coffee house, Cafe, Dessert shop, Dessert house, Bakery, Bakeshop
5. Hot pot, Snack bar, Fast food restaurant, Themed restaurant, Eatery, Catering
6. Leisure area, Lounge, Banquet, KTV
7. Cafeteria, Resto, Motel, Mess Room, Inn
8. Furniture, Furnishing, Fitment, Table, Chair, Sofa, Booths, Banquette, Bench, Bar Stool
|Product Style
1. Concise/Simple, Modern/Contemporary, Nordic Style/Scandinavian Design, Style
2. Industrial, Retro, Rustic, Nostalgic, Archaize, Antique, Accent, Classical, Style
3. American, French, Italian, European, Japanese, Korean, Russian, Canadian, Zelanian
4. Chinese, Southeast Asia, Middle Eastern, Australian, African, Brazilian, South American
5. Custom Furniture, Contract Furniture, Bespoke Furniture, Commercial Furniture
1. Five layers of corrugated carton for finished dining chair.
2. Three layers of paperboard used be upholder to avoid load press.
3. PE foam for components protection to avoid damaged by crash during in the transit.
1. Popular design, Various style, Green environmental
2. Samples and Free Color Charts available
3. Dimension, style and color can be customized
4. Competitive price with 2 years quality guarantee
5. Widely used in restaurant, cafe, bar, hotel, public
6. Environmental protection material
7. Durable, healthy, colorful, comfortable, enjoyable
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As a professional in the health care community it requires a great electronic management system that will help you handle everything that comes along with being a health care provider. As a health care provider it is important that you have the chiropractic software in your centre because it will help use most of your time taking care of the patients and less time documenting, recording and chanting. A research that was currently done shows that most of the offices or businesses close down five years after they have been opened. Most of the businesses close because they use most of their time on things that could be simplified and expedited through automated solutions. By installing the chiropractic software, you will be creating a less stressful working environment in your office where you will be able to make profit.
You will enjoy so many benefits once you have installed the chiropractic software in your business and this will be a major investment. You will be making a major investment in both time and money. This is one of the best choices that you can make for your business because it always pays. Some of the benefits you will enjoy by installing a chiropractic software in your healthcare center are; you will be able to check the patients who sign and out quickly and easily. With the software you will be able to make appointments, walkings cancellations, rescheduling and you will also be able to manage them all. Also, you are able to create the patients care plans quickly and effectively.
Once you have installed the chiropractic management software in your healthcare facility you will be able to reduce the transaction errors. You will also enjoy the benefit of creating comprehensive insurance reports in a timely manner once you have installed the management software. The software enables you to decrease the collection time and this helps you increase more profit in your healthcare facility. The software also enables you to stay in compliance with the regulatory requirements of the healthcare. Your staff will always be busy because they will utilize your time easily and wisely because they will always be busy
Once you have installed the chiropractic software it will not only cover your business matters but also covers the following. It can be used to cover specific templates which are used to cover the office workflow. It also covers interactive diagrams that give you a chance to click when you see your client's note need to be updated during diagnosis or treatment. The last thing it can handle is integration with X-rays, MRI, and CT scans machines that allow images and other health results automatically update in the patients records. If You install the software you will enjoy this and many other benefits.
The 5 Laws of Experts And How Learn More


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Trotter electric scooter is a new hightech product for outdoor exercises, using the space attitude control principle, fuzzy algorithm and gyroscope system and realizing the selfbalancing of forward and backward directions.The user can complete the forward, acceleration, deceleration, braking and other running operations by the left and right slight tilt of the body.
Changzhou Trotter Electricity Machinery Co., Ltd is located in changzhou,We are a professional manufacturer of electric bikes and electric scooters in china for more than 10 years .Trotter keeps close pace with the international market and continously manufactures fashionable electric scooters and electric bikes which are well-received all over the world.Trotter sincerely welcomes your participation and is willing to try the best to cooperate with you to create a new world .
1. OEM Manufacturing welcome: Product, Package... 2. Sample order 3. We will reply you for your inquiry in 24 hours.4. after sending, we will track the products for you once every two days, until you get the products. When you got the goods, test them, and give me a feedback.If you have any questions about the problem, contact with us, we will offer the solve way for you.
Q1. What is your terms of packing?A: Generally, we pack our goods in our color boxes and brown cartons.If you want to custom your own color box ,we also can do it for you .Q2. What is your terms of payment?A: T/T 30% as deposit, and 70% before delivery. We'll show you the photos of the products and packages before you pay the balance.Q3. What is your terms of delivery?A: EXW, FOB, CFR, CIF, DDU according to your request .Q4. How about your delivery time?A: Generally, it will take 10-30 days after receiving your advance payment. The specific delivery time depends on the iteams and the quantity of your order.Q5. Can you Supply OEM or ODM project ?A: Yes, we can accept custom order ,produce the products according to your request .Q6. What is your sample policy?A: We can supply the sample for test , but the customers have to pay the sample cost and the courier cost.Q7. Do you test all your goods before delivery?A: Yes, we have 100% test before deliveryQ8: How do you make our business long-term and good relationship?A:1. We keep good quality and competitive price to ensure our customers benefit ;2. We respect every customer as our friend and we sincerely do business and make friends with them, no matter where they come from.


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Mal from Descendants Costume
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Maddie as Mal from Descendants
|Costume type:
|Costumes for Girls
This homemade costume for girls entered our 2015 Halloween Costume Contest.
A word from Patti, the 'Mal from Descendants' costume creator:
My daughter, Maddie wanted to be Mal from Disney's Descendants. She was standing in front of our haunted tunnel.


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Vernon Woods Dental and Implant Center is a certified provider of Lumineers® in Sandy Springs, Georgia, and surrounding areas. Unlike traditional veneers, Lumineers can help you achieve a long-lasting, flawless smile without grinding down your tooth structure! We invite you to contact our office at 404-692-7913 for more information about Lumineers and to schedule a consultation with one of our talented dentists, Dr. Tantuco or Dr. Chong.
Lumineers® are ultra-thin dental veneers, designed to mimic the natural appearance of your tooth enamel and provide you with a unique, naturally-beautiful smile. Unlike traditional dental veneers, Lumineers can be bonded to your teeth without grinding down any of your original tooth structure, making the bonding procedure much more comfortable. In addition to their unique, ultra-thin design, Lumineers are also highly durable, and have been known to last for more than 20 years.
When you receive your Lumineers, you will need to schedule two visits with our dentists, typically over a two-week period. During the first visit, we will create a mold of your teeth, and help you determine the correct shade of white for your new veneers. This mold will then be send to the DenMat Lab, where all Lumineers are created. During your second visit, our dentists will carefully bond your Lumineers to your teeth to create your personal perfect smile. The bonding process is painless, and takes about an hour. You should not experience any sensitivity following the bonding procedure, as your Lumineers are specifically designed to feel natural and comfortable from the moment they are placed on your teeth.
Please call our office today to make your appointment with our dental professionals, and to learn more about Lumineers.


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The Amber Wave is an on-line book store of gently read books of general interest. The store has some signed books and first editions.
Terms of sale for The Amber Wave Prospective customers must read book descriptions carefully. Returns will be made only if the book purchased was not accurately described.


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Marleta Childs
P. O. Box 6825
Award-winning author Martha W. McCartney has compiled another publication that is bound to bring her even more acclaim: JAMESTOWN PEOPLE TO 1800: LANDOWNERS, PUBLIC OFFICIALS, MINORITIES, AND NATIVE LEADERS. As the subtitle implies, her data concerns not only the town's inhabitants of European descent but also more than one hundred Native Americans who visited the Virginia capital and approximately one hundred Africans and African Americans, many of whom were slaves. In addition, she furnishes information pertaining to more than a thousand people who did not own land on Jamestown Island but whose activities brought them for an extended time to America's first permanent English settlement. Among this group of individuals are governors, members of the Council of State, burgesses, merchants, and mariners.
Since her resources include a variety of county records, she explains in the introduction the various geographical regions and the history of Virginia's original counties and their division into other counties. Maps showing the boundaries at different times during the seventeenth century accompany the narrative. In a separate section, McCartney tells the history of Jamestown from its creation and eventual establishment as Virginia's first capital to its economy and the introduction of slavery to the impact of Bacon's Rebellion in 1676, the American Revolution, and the War of 1812 upon the area.
Naturally, the major part of the publication consists of biographical sketches arranged in alphabetical order. In the preface, McCartney states that she condensed data on some of the earliest people because she supplies fairly complete biographies in her previous book, VIRGINIA IMMIGRANTS AND ADVENTURERS, 1607-1635: A BIOGRAPHICAL DICTIONARY. However, her extensive use of additional resources led to her augmenting some of the sketches. Although the length of the entry for each man, woman, and child ranges from nearly a page to only one sentence, McCartney provides the source of the material. A glance through the hundreds of entries shows how multicultural Jamestown society really was.
Like McCartney's other publications, JAMESTOWN PEOPLE TO 1800: LANDOWNERS, PUBLIC OFFICIALS, MINORITIES, AND NATIVE LEADERS is a comprehensive, authoritative, fully documented work based on a multitude of primary and secondary sources. Deserving much praise, the book will be a valuable addition to all genealogical library collections, where it is guaranteed to receive much use.
The 514-page work has attractive soft covers, a preface, an introduction, maps, a 12-page list of sources and their abbreviations used in the text, a glossary, a 25-page history of Virginia and the colony, and a full name index. To the book's price of $39.95, buyers should add the cost for postage and handling charges. For U. S. postal mail, the cost is $5.50 for one item and $2.50 for each additional copy; for FedEx ground service, the cost is $7.50 for one copy and $2.50 for each additional item. The volume (item order 3506) may be purchased by check, money order, MasterCard, or Visa from Genealogical Publishing Company, 3600 Clipper Mill Rd., Suite 260, Baltimore, MD 21211-1953. For phone orders, call toll free 1-800-296-6687; fax 1-410-752-8492; website www.genealogical.com.
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