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Terms & Conditions
1. These terms
1.1. What these terms cover.
These are the terms and conditions on which we supply products to your order via our website or by telephone or when you purchase goods from our stores.
1.2. Why you should read them.
Please read these terms carefully before you submit your order to us. These terms tell you who we are, how we will provide products to you, how you and we may change or end the contract, what to do if there is a problem and other important information. If you think that there is a mistake in these terms or require any changes, please contact us to discuss.
2. Information about us and how to contact us
2.1. Who we are.
We are 50 Cycles Distribution Limited, a company registered in England and Wales. Our company registration number is 05140671 and our registered office is at 1 Charnwood Business Park, North Road, Loughborough, LE11 1LE. Our registered VAT number is 851 3809 24. Our website is www.50cycles.com ("Website").
2.2. How to contact us.
You can contact us by telephoning our customer service team at 0333 900 50 50 or by writing to us at firstname.lastname@example.com or 50 Cycles Distribution Limited, Unit 1, Charnwood Business Park, North Road, Loughborough, LE11 1LE.
2.3. How we may contact you.
If we have to contact you we will do so by telephone or by writing to you at the email address or postal address you provided to us in your order.
2.4. "Writing" includes emails.
When we use the words "writing" or "written" in these terms, this includes emails.
3. Our contract with you
3.1. How we will accept your order – Website or telephone or in store.
We will refer to all such orders as Orders in these terms and there are some terms which do not apply if you purchase the products in store. These are identified in these terms.
3.2. If you place an order via the Website or by telephone or in store this constitutes an offer to purchase the products in accordance with these terms and you are responsible for ensuring that the terms of the Order and any specification submitted by you are complete and accurate.
3.3. The Order shall only be deemed accepted by us when you have paid for the products in full, the monies have been received by us and the products have been dispatched. Any email, order confirmation or other electronic acknowledgement by us of receipt of an Order does not constitute legal acceptance by us of your order. We will confirm our acceptance to you by sending you and email confirming that the products have been dispatched ("Dispatch Confirmation"). The contract between us is formed when we send you the Dispatch Confirmation.
3.4. If you order products in store, our acceptance of your order will take place when we tell you that we are able to provide you with the product, at which point a contract will come into existence between you and us.
3.5. If we cannot accept your order.
If we are unable to accept your order, we will inform you of this and will not charge you for the product. This might be because the product is out of stock, because of unexpected limits on our resources which we could not reasonably plan for, because a credit reference we have obtained for you does not meet our minimum requirements; because we have identified an error in the price or description of the product or because we are unable to meet a delivery deadline you have specified.
3.6. Your order number.
We will assign an order number to your order and tell you what it is when we accept your order. It will help us if you can tell us the order number whenever you contact us about your order.
4. Our products
4.1. Products may vary slightly from their pictures.
The images of the products in our brochure or on our website are for illustrative purposes only. Although we have made every effort to display the colours accurately, we cannot guarantee that a device's display of the colours or the printed pictures in our brochure accurately reflects the colour of the products. Your product may vary slightly from those images.
4.2. Product packaging may vary.
The packaging of the product may vary from that shown in our brochure or on our website.
5. After sales service and guarantees
5.1. Where applicable, details of manufacturers' guarantees or service arrangements will be provided with the product and you are reminded that you should complete all guarantee and/or cards/and/or documents immediately upon receipt of the products.
5.2. This warranty does not apply to any defect in the goods arising from fair wear and tear, wilful damage, accident, negligence by you or any third party, use otherwise than as recommended by the supplier, failure to follow the suppliers' instructions, or any alteration or repair carried out without the supplier's approval.
5.3. All warranties are non-transferable and only apply for you the original customer.
6. Safe shopping guarantee – online orders
6.1. We have used every effort to ensure that shopping on the internet with us is as safe as purchasing by card in our 50cycles stores. Our secure server software encrypts all of your personal information sent over the Internet. The Website has been issued with a GeoTrust SSL Certificate for your protection.
6.2. Although we endeavour to take all reasonable steps to protect your personal information, we cannot guarantee the complete security of any data you disclose online.
7. Your rights to make changes
If you wish to make a change to the product you have ordered please contact us. We will let you know if the change is possible. If it is possible we will let you know about any changes to the price of the product, the timing of supply or anything else which would be necessary as a result of your requested change and ask you to confirm whether you wish to go ahead with the change. Please contact our Customer Services Team if you wish to exercise this right.
8. Our rights to make changes
8.1. Minor changes to the products.
We may change the product: (a) to reflect changes in relevant laws and regulatory requirements; and (b) to implement minor technical adjustments and improvements, for example to address a safety or performance issue. These changes should not affect your use of the product.
8.2. More significant changes to the products and these terms.
In addition, as we informed you in the description of the product on our website or in our catalogue or brochure, we may make the following changes to these terms or the product, but if we do so we will notify you and you may then contact us to end the contract and receive a full refund before the changes take effect: Size, colour, specification changes such as gears, brakes and components due to supplier variation during production.
9. Providing the products
9.1. Delivery costs.
The costs of delivery will be as displayed on our website or discussed with you during the order process on the phone or in store. For UK deliveries these costs are clearly stated in our current price list and also shown in the drop down menu forming part of the checkout procedure for on line orders. All UK mainland first deliveries for purchased items over £50 will be free of charge.
9.2. When we will provide the products.
During the order process we will let you know when we will provide the products to you. We will deliver the products to you as soon as reasonably possible and in any event within 30 days after the day on which we accept your order provided the purchase price and delivery costs (if applicable) have been paid for in full.
9.3. We are not responsible for delays outside our control.
If our supply of the products is delayed by an event outside our control then we will contact you as soon as possible to let you know and we will take steps to minimise the effect of the delay. Provided we do this we will not be liable for delays caused by the event, but if there is a risk of substantial delay you may contact us to end the contract and receive a refund for any products you have paid for but not received.
9.4. Collection by you.
If you have asked to collect the products from our premises, you can collect them from us by making an appointment in advance at any time during our working hours of 9.30 am – 5.30 pm on weekdays (excluding public holidays). Please note that in order for you us to release the products to you, you must provide photo ID together with a recent utility bill or bank statement (dated within 30 days of collection) in the name of the person who has submitted the order online, over the telephone or in store.
9.5. If you are not at home when the product is delivered.
If no one is available at your address to take delivery, we will leave you a note informing you of how to rearrange delivery or collect the products from a local depot.
9.6. If you do not re-arrange delivery.
If you do not collect the products from us as arranged or if, after a failed delivery to you, you do not re-arrange delivery or collect them from a delivery depot we will contact you for further instructions and may charge you for storage costs and any further delivery costs. If, despite our reasonable efforts, we are unable to contact you or re-arrange delivery or collection we may end the contract and clause 12.2 will apply.
9.7. When you become responsible for the product.
The product will be your responsibility from the time we deliver the product to the address you gave us or you or a carrier organised by you collect it from us.
9.8. When you own the product.
You own a product once we have received payment in full.
9.9. What will happen if you do not give required information to us.
We may need certain information from you so that we can supply the products to you If so, this will have been stated in the description of the products on our website and in our catalogue or brochure. We will contact you to ask for this information. If you do not give us this information within a reasonable time of us asking for it, or if you give us incomplete or incorrect information, we may either end the contract (and clause 12.2 will apply) or make an additional charge of a reasonable sum to compensate us for any extra work that is required as a result. We will not be responsible for supplying the products late or not supplying any part of them if this is caused by you not giving us the information we need within a reasonable time of us asking for it.
9.10. Reasons we may suspend the supply of products to you.
We may have to suspend the supply of a product to:
- (a) deal with technical problems or make minor technical changes;
- (b) update the product to reflect changes in relevant laws and regulatory requirements;
- (c) make changes to the product as requested by you or notified by us to you (see clause 8).
9.11. Your rights if we suspend the supply of products.
We will contact you in advance to tell you we will be suspending supply of the product, unless the problem is urgent or an emergency. If we have to suspend the product we will adjust the price so that you do not pay for products while they are suspended. You may contact us to end the contract for a product if we suspend it, or tell you we are going to suspend it, in each case for a period of more than 2 weeks and we will refund any sums you have paid in advance for the product in respect of the period after you end the contract.
9.12. We may also suspend supply of the products if you do not pay.
If you do not pay us for the products when you are supposed to (see clause 14.6) and you still do not make payment within 7 days of us reminding you that payment is due, we may suspend supply of the products until you have paid us the outstanding amounts. We will contact you to tell you we are suspending supply of the products. We will not suspend the products where you dispute the unpaid invoice (see clause 14.8). We will not charge you for the products during the period for which they are suspended. As well as suspending the products we can also charge you interest on your overdue payments (see clause 14.6).
10. Your rights to end the contract
10.1. IF YOU HAVE PLACED YOUR ORDER ON LINE OR OVER THE PHONE you can always end your contract with us.
Your rights when you end the contract will depend on what you have bought, whether there is anything wrong with it, how we are performing and when you decide to end the contract:
- (a) If what you have bought is faulty or mis-described you may have a legal right to end the contract (or to get the product repaired or replaced or a service re-performed or to get some or all of your money back), see clause 13;
- (b) If you want to end the contract because of something we have done or have told you we are going to do, see clause 10.3;
- (c) If you have just changed your mind about the product, see clause 10.4. You may be able to get a refund if you are within the cooling-off period, but this may be subject to deductions and you will have to pay the costs of return of any goods;
- (d) In all other cases (if we are not at fault and there is no right to change your mind), see clause
You can always end the contract for supply of a product before it has been delivered and paid for. You may contact us to end your contract for a product at any time before we have delivered it and you have paid for it, but in some circumstances we may charge you for doing this, as described below. Of course, you always have rights where a product is faulty or mis-described (see clause 13, "If there is a problem with the products").
10.3. Ending the contract because of something we have done or are going to do.
If you are ending a contract for a reason set out at (a) to (e) below the contract will end immediately and we will refund you in full for any products which have not been provided and you may also be entitled to compensation. The reasons are:
- (a) we have told you about an upcoming change to the product or these terms which you do not agree to (see clause 8.2);
- (b) we have told you about an error in the price or description of the product you have ordered and you do not wish to proceed;
- (c) there is a risk that supply of the products may be significantly delayed because of events outside our control;
- (d) we have suspended supply of the products for technical reasons, or notify you we are going to suspend them for technical reasons, in each case for a period of more than 2 weeks; or
- (e) you have a legal right to end the contract because of something we have done wrong (including because we have delivered late).
10.4. Exercising your right to change your mind (Consumer Contracts Regulations 2013).
For most products bought online or over the phone you have a legal right to change your mind within 14 days and receive a refund. These rights, under the Consumer Contracts Regulations 2013, are explained in more detail in these terms.
10.5. How long do I have to change my mind?
How long you have depends on what you have ordered and how it is delivered.
- (a) You have 14 days after the day you (or someone you nominate) receives the goods, unless:
- (i) Your goods are split into several deliveries over different days. In this case you have until 14 days after the day you (or someone you nominate) receive the last delivery to change your mind about the goods.
10.6. Ending the contract where we are not at fault and there is no right to change your mind.
If you do not have any other rights to end the contract (see clause 10.1 (d)), you can still contact us before it is completed and tell us you want to end it. If you do the contract will end immediately and we will refund any sums paid by you for products not provided but we may deduct from that refund (or, if you have not made an advance payment, charge you) £50 as compensation for the net costs we will incur as a result of your ending the contract.
11. How to end the contract with us (including if you have changed your mind)
11.1. Tell us you want to end the contract.
To end the contract with us, please let us know by doing one of the following:
- (a) Phone or email. Call customer services on 0333 900 50 50 or email us at firstname.lastname@example.com Please provide your name, home address, details of the order and, where available, your phone number and email address.
- (b) Online. Complete the form on our website http://www.50cycles.com/contact-us.html ("Form")
- (c) By post. Print off the Form and post it to us at the address on the Form. Or simply write to us as that address, including the information required in the Form.
11.2. Returning products after ending the contract.
If you end the contract for any reason after products have been dispatched to you and (because we cannot recall them) they are delivered to you, you must return them to us. You must either return the goods in person to where you bought them, post them back to us or (if they are not suitable for posting) allow us to collect them from you. Please call customer services on 0333 900 50 50 or email us at email@example.com or write to us at 50 Cycles Distribution Limited, Unit 1,Charnwood Business Park, North Road ,Loughborough, LE111LE for a return label or to arrange collection.
If you are exercising your right to change your mind under clause 10.1 (c) you must send off the goods within 14 days of telling us you wish to end the contract. The products must be returned in the same condition and packaging as when they were first received with no more than 5 miles on the speedometer. Any additional mileage will be charged at £5 per mile and we reserve the right to make further deductions in accordance with our rights under clause 11.6 (a).
11.3. When we will pay the costs of return.
We will pay the costs of return:
- (a) if the products are faulty or mis-described;
- (b) if you are ending the contract because we have told you of an upcoming change to the product or these terms, an error in pricing or description, a delay in delivery due to events outside our control or because you have a legal right to do so as a result of something we have done wrong then we will pay the costs of return. In all other circumstances (including where you are exercising your right to change your mind) you must pay the costs of return. In all other circumstances (including where you are exercising your right to change your mind) you must pay the costs of return.
11.3. When we will pay the costs of return.
If you are responsible for the costs of return and we are collecting the product from you, we will charge you the direct cost to us of collection. The costs of collection will be the same as our charges for standard delivery. This charge is £50 inclusive of VAT.
11.5. How we will refund you.
We will refund you the price you paid for the products including delivery costs, by the method you used for payment. However, we may make deductions from the price, as described below.
11.6. Deductions from refunds.
If you are exercising your right to change your mind:
- (a) We may reduce your refund of the price (excluding delivery costs) to reflect any reduction in the value of the goods, if this has been caused by your handling them in a way which would not be permitted in a shop. If we refund you the price paid before we are able to inspect the goods and later discover you have handled them in an unacceptable way, you must pay us an appropriate amount.
- (b) The maximum refund for delivery costs will be the costs of delivery by the least expensive delivery method we offer. For example, if we offer delivery of a product within 3-5 days at one cost but you choose to have the product delivered within 24 hours at a higher cost, then we will only refund what you would have paid for the cheaper delivery option.
11.7. When your refund will be made. We will make any refunds due to you as soon as possible. If you are exercising your right to change your mind then:
- (a) If the products are goods and we have not offered to collect them, your refund will be made within 14 days from the day on which we receive the product back from you or, if earlier, the day on which you provide us with evidence that you have sent the product back to us. For information about how to return a product to us, see clause 11.2.
- (b) In all other cases, your refund will be made within 14 days of your telling us you have changed your mind.
12. Our rights to end the contract
12.1. We may end the contract if you break it.
We may end the contract for a product at any time by writing to you if:
- (a) you do not make any payment to us or we are unable to collect payment from you when it is due and you still do not make payment within 7 days of us reminding you that payment is due;
- (b) you do not, within a reasonable time of us asking for it, provide us with information that is necessary for us to provide the products;
- or (c) you do not, within a reasonable time, allow us to deliver the products to you or collect them from us
12.2. You must compensate us if you break the contract.
If we end the contract in the situations set out in clause 12.1 we will refund any money you have paid in advance for products we have not provided but we may deduct or charge you £50 as compensation for the net costs we will incur as a result of your breaking the contract.
12.3. We may withdraw the product.
We may write to you to let you know that we are going to stop providing the product. We will let you know at least 2 weeks in advance of our stopping the supply of the product and will refund any sums you have paid in advance for products which will not be provided.
13. If there is a problem with the product
13.1. How to tell us about problems.
If you have any questions or complaints about the product, please contact us. You can telephone our customer service team at 0333 900 50 50 or write to us at email@example.com or 50 Cycles Distribution Limited, Unit 1, Charnwood Business Park, North Road, Loughborough, LE11 1LE. Alternatively, please speak to one of our staff in-store.
13.2. Summary of your legal rights.
We are under a legal duty to supply products that are in conformity with this contract. See the box below for a summary of your key legal rights in relation to the product. Nothing in these terms will affect your legal rights.
13.3. Your obligation to return rejected products. If you wish to exercise your legal rights to reject products you must either return them in person to where you bought them, post them back to us or (if they are not suitable for posting) allow us to collect them from you. We will pay the costs of postage or collection. Please call customer services on 0333 900 50 50 or email us at email@example.com for a return label or to arrange collection.
14. Price and payment
14.1. Where to find the price for the product.
The price of the product (which includes VAT) will be the price set out on the Website in our price list in force at the date of your order unless we have agreed another price in writing. All prices are shown in Pounds Sterling. We take all reasonable care to ensure that the price of product advised to you is correct. However please see clause 14.5 for what happens if we discover an error in the price of the product you order.
14.2. The price of the products is exclusive of the costs and charges of delivery of the products (if applicable).
14.3. The prices shown online are only applicable to purchases made via the Website.
On occasions, the prices payable and promotions offered online may differ from those prices and promotions offered at the same time in 50cycles stores. We are under no obligation to honour any in-store price or promotion that differs from those online. Similarly, the 50cycles stores are under no obligation to honour any online price or promotion that differs from the in-store price. All offers are subject to availability and while stocks last unless specified in our online or offline promotional materials.
14.4. We will pass on changes in the rate of VAT. If the rate of VAT changes between your order date and the date we supply the product, we will adjust the rate of VAT that you pay, unless you have already paid for the product in full before the change in the rate of VAT takes effect.
14.5. What happens if we got the price wrong.
It is always possible that, despite our best efforts, some of the products we sell may be incorrectly priced. We will normally check prices before accepting your order so that, where the product's correct price at your order date is less than our stated price at your order date, we will charge the lower amount. If the product's correct price at your order date is higher than the price stated in our price list, we will contact you for your instructions before we accept your order. If we accept and process your order where a pricing error is obvious and unmistakeable and could reasonably have been recognised by you as a mispricing, we may end the contract, refund you any sums you have paid and require the return of any goods provided to you.
14.6. When you must pay and how you must pay.
We accept payment by most major credit cards, or debit cards or Paypal registered at UK addresses or by bank transfer. We regret that we do not accept payment by cheque, cash, Amex or Diners Card or any other form of payment. You must pay for the products (including delivery) before we dispatch them. We also offer on-line finance which is provided by Hitachi capital or through Cyclescheme.co.uk which may be available to you subject to status. Please ensure that the expiry date of your credit or debit card is after the anticipated despatch date of your Order. Payment will be debited from your account just before the despatch of the products, and if your payment card has expired, we will be unable to take payment and fulfil your Order. We will endeavour to process any payments at the time of dispatch. On the rare occasion that this process is not successful, we will re-process accordingly. We will not inform you if this delay occurs. All credit and debit card holders are subject to validation checks and authorisation by the card issuer. If the issuer of your payment card refuses to authorise payment to us, we will not be liable for any delay or non-delivery.
14.7. We can charge interest if you pay late.
If you do not make any payment to us or if we are unable to collect any payment from you by the due date we may charge interest to you on the overdue amount at the rate of 2% a year above the base lending rate of Royal Bank of Scotland plc from time to time. This interest shall accrue on a daily basis from the due date until the date of actual payment of the overdue amount, whether before or after judgment. You must pay us interest together with any overdue amount.
14.8. What to do if you think an invoice is wrong.
If you think an invoice is wrong please contact us promptly to let us know and we will not charge you interest until we have resolved the issue.
15. Our responsibility for loss or damage suffered by you
15.1. We are responsible to you for foreseeable loss and damage caused by us.
If we fail to comply with these terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this contract or our failing to use reasonable care and skill, but we are not responsible for any loss or damage that is not foreseeable. Loss or damage is foreseeable if either it is obvious that it will happen or if, at the time the contract was made, both we and you knew it might happen, for example, if you discussed it with us during the sales process.
15.2. We are not liable for business losses.
We only supply the products for domestic and private use. If you use the products for any commercial, business or re-sale purpose we will have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
16. How we may use your personal information
16.1. How we will use your personal information.
We will use the personal information you provide to us:
- (a) to supply the products to you;
- (b) to process your payment for the products;
- and (c) if you agreed to this during the order process, to inform you about similar products that we provide, but you may stop receiving these at any time by contacting us.
16.2. We may pass your personal information to credit reference agencies.
Where we extend credit to you for the products we may pass your personal information to credit reference agencies and they may keep a record of any search that they do.
16.3. We will only give your personal information to other third parties where the law either requires or allows us to do so.
17. Other important terms
17.1. We may transfer this agreement to someone else.
We may transfer our rights and obligations under these terms to another organisation. We will always tell you in writing if this happens and we will ensure that the transfer will not affect your rights under the contract.
17.2. You need our consent to transfer your rights to someone else (except that you can always transfer our guarantee).
You may only transfer your rights or your obligations under these terms to another person if we agree to this in writing.
17.3. Nobody else has any rights under this contract (except someone you pass your guarantee on to).
This contract is between you and us. No other person shall have any rights to enforce any of its terms.
17.4. If a court finds part of this contract illegal, the rest will continue in force.
Each of the paragraphs of these terms operates separately. If any court or relevant authority decides that any of them are unlawful, the remaining paragraphs will remain in full force and effect.
17.5. Even if we delay in enforcing this contract, we can still enforce it later.
If we do not insist immediately that you do anything you are required to do under these terms, or if we delay in taking steps against you in respect of your breaking this contract, that will not mean that you do not have to do those things and it will not prevent us taking steps against you at a later date. For example, if you miss a payment and we do not chase you but we continue to provide the products, we can still require you to make the payment at a later date.
17.6. Which laws apply to this contract and where you may bring legal proceedings.
These terms are governed by English law and you can bring legal proceedings in respect of the products in the English courts. If you live in Scotland you can bring legal proceedings in respect of the products in either the Scottish or the English courts. If you live in Northern Ireland you can bring legal proceedings in respect of the products in either the Northern Irish or the English courts.
WEEE Regulations
The Waste Electrical and Electronic Equipment (WEEE) Directive is now UK law. The legislation aims to make producers pay for the collection, treatment and recovery of waste electrical equipment. The regulations also mean that suppliers of equipment like high street shops and internet retailers must allow consumers to return their waste equipment free of charge. The amount of WEEE we throw away is increasing by around 5% each year, making it the fastest growing waste stream in the UK. Much of the UK's WEEE ends up in landfill, where the lead and other toxins it contains can cause soil and water contamination. This can have a harmful effect on natural habitat, wildlife and also human health. Many electrical items that we throw away can be repaired or recycled. Recycling items helps to save our natural finite resources and also reduces the environmental and health risks associated with sending electrical goods to landfill. Distributors of new Electric and Electronic Equipment (EEE) have a part to play in reducing the amount of WEEE going into landfill sites.
Under the WEEE Regulations, all new electrical goods should now be marked with the crossed out wheeled bin symbol. Goods are marked with this symbol to show that they were produced after 13th August 2005 and should be disposed of separately from normal household waste so that they can be recycled.
50 Cycles Distribution Limited offers in-store take-back of old WEEE items on a like for like basis when a customer buys an equivalent item from us. For example, if you buy an electric bicycle from us, then you are entitled to return the old electric bicycle to our store. The WEEE item returned must fulfil the same function as the new item, therefore a customer cannot buy a new electric bicycle from us and then return a non-electric pedal cycle. Customers have to return their old items to us within 28 days of purchasing their new item. 50 Cycles Distribution Limited is not liable for the cost of return under these regulation. We will then re-use, recycle, or dispose of the WEEE.
Customers must return their WEEE item to 50cycles within 28 days of purchasing their new item. You can either drop the product off in-store, or send the item, clearly marked as WEEE to 50cycles at 1 Charnwood Business Park, North Road, Loughborough, Leicestershire LE11 1LE, or at any of our showrooms.
If the item is too large, contact us to arrange a return. Please note that this is not a free service.
Disposing of electrical equipment?
There is of course no reason why you can't drop off your old electrical equipment at a recycling site local to you, whether you have just bought a new item or want to get rid of old equipment regardless.
By taking your waste electrical products to one of the registered amenity sites, you can be confident that they will be subjected to a monitored and controlled recycling process, thereby preventing these products being sent to landfill.
If your product is a Speed Electric Bike, your attention is drawn to important information on our website http://www.50cycles.com/electric-bikes/speed-evo/integrale_s11_belt.html or available in store. These bikes fall outside of conventional ebike law and are classified as L1e light moped. To use this bicycle on a public road the user must first register it, fit a registration plate and then tax and insure it. It is illegal to ride Speed Electric Bikes on the roads (other than on private property with the owner's prior consent). The registration plate holder can be removed in those territories where these restrictions do not apply. You are responsible for ensuring you are compliant with the appropriate law in each territory in which you ride your Speed Electric Bike.
Any electric bike sold which has a motor with power rated in excess of 250W or assists the rider to achieve a speed of more than over 15.5mph (not including the 10% deviation bringing the maximum assistance speed to no more than 17mph) will be categorised as a Speed Electric bike. Save for death or personal injury caused by our negligence or the negligence of our employees, agents or sub-contractors (as applicable) for which we shall be liable as required by law, we take no responsibility whatsoever for where the customer may ride the bike or any injury caused to the rider or that of a third party thereof. It is your sole responsibility to ensure the bike is ridden in a safe and sensible manner so as not to cause damage to yourself, a third party or damage to any property.


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Everything I'm reading in my current studies relates to and resonates within me and shakes something up inside of me. In another book that I just finished, the author asks God to unsettle her. That's what I feel is happening to me, I'm being unsettled. I feel like God has just pulled the covers off me and proclaimed, 'Come on, get up. Get out of your sleepy [Christian] bed and follow me, stop laying there saying you're a Christian with your eyes closed and your body at rest.'
Some days it seems that in becoming a Christian, all I did was climb into bed with Jesus and find comfort there - but now there's work to be done and He's [more than gently] nudging me. And those aren't slippers next to the bed for me to slip on; they're leather sandals waiting for me to break them in...
Before I can do anything with God or allow Him to do something through me, it's essential that I have 'climbed into bed with Him…' He requires an intimate relationship with His people. Before we can serve Him, we need to know Him. A few years ago I read a great definition for the word intimacy. I may have already mentioned it at some point – because I really love it: Intimacy = in-to-me-see. When I share intimately with someone, I'm allowing them to see into me. A truly intimate relationship requires them to allow me to see into them as well. That's what God wants with us! He wants to share His heart and mind and purposes with us, intimately. Since He sees into us with or without our permission – vulnerability is completely void in this relationship. We have nothing to lose and everything to gain.
I love how the psalmist declares God's knowledge of him in Psalm 139:1-18 (NIV):
1 You have searched me, LORD,
and you know me.
2 You know when I sit and when I rise;
you perceive my thoughts from afar.
3 You discern my going out and my lying down;
you are familiar with all my ways.
4 Before a word is on my tongue
you, LORD, know it completely.
5 You hem me in behind and before,
and you lay your hand upon me.
6 Such knowledge is too wonderful for me,
too lofty for me to attain.
7 Where can I go from your Spirit?
Where can I flee from your presence?
8 If I go up to the heavens, you are there;
if I make my bed in the depths, you are there.
9 If I rise on the wings of the dawn,
if I settle on the far side of the sea,
10 even there your hand will guide me,
your right hand will hold me fast.
11 If I say, "Surely the darkness will hide me
and the light become night around me,"
12 even the darkness will not be dark to you;
the night will shine like the day,
for darkness is as light to you.
13 For you created my inmost being;
you knit me together in my mother's womb.
14 I praise you because I am fearfully and wonderfully made;
your works are wonderful,
I know that full well.
15 My frame was not hidden from you
when I was made in the secret place,
when I was woven together in the depths of the earth.
16 Your eyes saw my unformed body;
all the days ordained for me were written in your book
before one of them came to be.
17 How precious to me are your thoughts,[a] God!
How vast is the sum of them!
18 Were I to count them,
they would outnumber the grains of sand—
when I awake, I am still with you.
How can we not join the psalmist in crying out?.....
As the deer pants for streams of water, so my soul pants for you, my God. My soul thirsts for God, for the living God. When can I go and meet with God? -Psalm 42:1-2 (NIV)

subset: commoncrawl


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Spending drives everything in a school district, including the ability to hire highly-qualified teachers, offer professional development, ensure that students are supported with wraparound services, evaluate the curriculum, assure the safety and cleanliness of school facilities, and provide extracurricular offerings, technology infrastructure, food, field trips, library resources, college prep, and more.
And yet, despite its importance, many superintendents don't have access to the financial data they need to make critical budgetary decisions.
In our work with districts across the country, we see a convergence of several trends: the rising costs of pensions and debt, reduced state budgets, a focus on funding equity, and calls for increased financial transparency. School boards are asking tough questions about whether their districts' spending is truly aligned with their top priorities for student achievement.
How confident would you feel if you had to answer those questions today?
We sat down with former Superintendent of Houston ISD, Dr. Terry Grier, to ask him what questions superintendents should be asking (and answering) about their district budgets and spending. During Dr. Grier's 32-year tenure as a superintendent, these questions were essential for ensuring equity and student achievement:
1. Is our district allocating resources equitably across schools, according to student and school needs? All students deserve equitable resources and an equal opportunity for a great education. Under ESSA, districts will be tasked with proving they are equitably distributing dollars before additional federal dollars can supplement state and local funds. Is your district prepared for the ESSA changes?
2. Is our chart of accounts telling us what we need to know about resource allocation? Your chart of accounts holds a LOT of information - but is it telling you what you need to know about equity across schools and program effectiveness? At a minimum, your chart of accounts should allow reporting and spending by program and location.
3. Do our leadership development programs include financial management? Principals and department leaders often manage huge budgets. But unless they majored in accounting in college, they may not feel ready for the responsibility of managing millions of dollars. Assess their professional development needs for financial management and budgeting strategy as well as instructional leadership.
4. Do your school leaders have easy access to their financial transactions and account status? Access and control of fiscal decisions should match the level of financial responsibility that is placed on school leaders. Having readily available accounts information (budget, expenditures, encumbrances, and available) is vital for school-level and department-level decision making.
5. Are your schools' budgets aligned to address their most glaring academic problems? In education finance, student success is the bottom line. Your resources should be aligned with your goals for student achievement. Are you able to track your resource alignment across schools? Can you evaluate which resources are most effective for improving student performance?
6. What percentage of your budget was actually spent on strategies to address the goals and priorities established by the school board? You gathered the outcomes data, you collected stakeholder input, you sat through a lot of long school board meetings… now what? Your strategic plan shouldn't just be a document on your website. Make sure your budget managers understand how their resources are tied directly to the district's goals and actions.
Tie your dollars directly to district goals and monitor your progress
7. How much unspent grant money did your district return last year, and why? Every year, districts leave millions of unspent grant dollars on the table for a variety of (avoidable!) reasons: the budget manager didn't know money was available, accounts weren't being monitored, or budget managers didn't understand how to strategically use funds to co-fund a resource. Grant money is typically allocated for the most high-need students, so don't let your grant dollars go to waste!
Shown above: Available grant funds you didn't even know you had!
8. Are we spending money on software, curriculum, training, or other materials that were well-researched and/or proven to get results? ESSA is interested in the effectiveness of every dollar. The law includes provisions to implement programs with "strong," "moderate," or "promising" evidence that they produce a positive outcome for students, as determined by existing scholarly research. It will be more important than ever for you to understand which programs are being implemented at each location and to continuously monitor those results.
9. Do we have an equitable distribution of staff positions across schools and departments? If not, how can we reallocate positions or redirect funding? Personnel salaries and benefits make up nearly 90 percent of district budgets ($540 billion in total), so it's crucial to monitor the equity of these resources. If your district allocates personnel based on average salaries, inequities may be hidden in your budget.
10. Are your district's programs and policies cost-effective? District leaders should know if the programs they implement actually create opportunities for student learning. Likewise, they must know when a program should be discontinued due to a lack of an effect on learning. In the end, given a balance of program cost and program effect, a leader will have the right information to make these tough decisions.
About Terry Grier
In March 2016, after seven years, Terry Grier retired as Superintendent of the Houston Independent School District and assumed the role of Executive Director of Pure Edge, Inc. During his time in Houston, the district received two $12 million federal magnet grants and a $30 million Race to the Top Grant. Scholarship dollars offered to seniors increased from $52 to $313 million. In November 2012, Houston citizens approved a $1.9 billion construction bond (largest in history of Texas) by a 69 percent approval rate. HISD's PowerUp Digital Conversion program is widely considered to be the most successful in America. In 2013, under Grier's leadership, HISD became the first district in America to win the prestigious Broad Award a second time (initial award in 2002).


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Lamictal/ Generic?
Hello all - My son is amazing and i love him and... he has been diagnosed with BP. He's 8. It has taken me a while to accept this... i was totally in denial and still don't...
Started by Annie on 08/28/2016 in Children With Early Onset Bipolar Disorder
Last update on 08/28/2016 by Annie


text: Mitt Romney led the charge as a Big Game prankster in 1965 August 22, 2012 1 Comment Share tweet Edward Ngai Senior Staff Writer By: Edward Ngai | Senior Staff Writer Presumptive Republican presidential nominee Mitt Romney's love of practical jokes has been well-documented: he's admitted to playing "a lot of pranks in high school" and his family teased him for it on late-night television. As a freshman at Stanford in fall 1965, Romney put his pranking skills to work in service of one of the nation's great college rivalries. Romney is named and quoted in this Daily article from November 18, 1965. In it, he details foiling Cal's planned Big Game pranks. (The Stanford Daily) In his one year at Stanford, Romney was very involved in the Axe Committee, tasked with guarding the Axe, which goes to the Big Game winner, and promoting school spirit. According to a Stanford Daily article from 1965, Romney, then an 18-year-old living in the freshman dorm Rinconada, went to the UC Berkeley campus on the night of November 16, four days before the 68th Big Game. Impersonating members of Rally Committee, Cal's student support club similar to Stanford's Axe Committee, Romney and two of his freshman dormmates successfully diverted the attention of Cal fans away from their original plan to paint Hoover Tower blue and gold. Romney, thinly veiling his identity by using the pseudonym Tim Yenmor, instead proposed stealing a wheel for the Stanford cannon. One dormmate who remembers the scene recalls that he made that wheel out to be far more sacred to the Stanford faithful than it actually was. "We learned all their plans," Romney is quoted as saying. "Even if they found out we were from Stanford, we still have the advantage. They will either have to change their plans or risk being caught." After Romney's efforts, security was stepped up around the Band Shack, where the cannon was kept, and precautions were taken to guard against some other pranks, or RFs, that Cal's Rally Comm was planning. It's not clear whether Cal students followed through with those plans. In their book, "The Real Romney," authors Michael Kranish and Scott Helman discuss the events leading up to the 1965 Big Game. "[Romney] figured the axe heist might be discussed and decided to go undercover," they wrote. "In faded Levi's jeans, a heavy wool work jacket, and well-worn moccasins, Mitt infiltrated the rival campus." Referred to in the 1965 article as the "head of the Stanford special police force," the young Romney apparently returned to Stanford with some vital intelligence before hitting the beat himself, guarding the Axe and the Lake Lagunita bonfire leading up to the Big Game. Axe Axe Committee berkeley Big Game Cal football GOP Mitt pranks president Rally Committee Republican Rinconada Romney 2012-08-22 Edward Ngai August 22, 2012 1 Comment Share tweet Subscribe Click here to subscribe to our daily newsletter of top headlines.


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"The United States consumes more than 20,000,000 barrels of oil per day but has less than 2 percent of the world's remaining oil"
This map, produced by BP's Statistical Review division, shows countries based on known crude oil reserves. The larger the country, the more reserve capacity. The map also gives mariners working offshore an idea where jobs opportunities may arise in the coming years. Click on the map for the large Hi-Resolution version.


text: Gregorius21778 249 Posted February 8, 2010 Greetings, brethern. Disclaimer for my group: Dominik, Katja, Flo: Es ist euer SL-K der hier schreibt. In eurem eigenen Interesse, verfolgt dieses Topic nicht weiter. Danke! My adventure on Dusk is still running. So far, I was able to entertain my group and make up a good story (some of it base on input/ideas gathered here. Thanks so far, especially to Ethel). Their is only one thing where I (as a GM) is found wanting by my players (to the point where they start mocking me!): the design of the creatures & monsterous beasts that made their life miserable so far. Somehow, the majority of the beasts I harassed them with have always been "insectoid". My only none-citinous opponents so far have been:"Greatwolves" (wolves half the size of a lion, hunting lone or in packs of 3 to 8)"Treedevils" (child-sized aggressive ape-like creatures using ambushes, pac-tactics and "decoys" while attacking from trees)"Norgharts" (fiendish and nightmarish imps encountered at night in "family groups" near their underground nests)."Dusk Stalker" (see core rules)A not really developed large wildcat which lurked in a tree. Now, a long journey through a swamp is ahead of them and I am seeking for some inspiration for encounters (flora, faune, environment) I could throw at them. Especially in the "nightmarish mammals" department I could use some hints that push me into the right direction (do not want to use Stalkers again and want to save the Nightwings for later). Thanks in advance for every hint & idea! Quote Share this post Link to post Share on other sites


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Legal Notice
PRIVACY POLICY FOR iA FINANCIAL GROUP
iA Financial Group is composed of Industrial Alliance Insurance and Financial Services Inc. and its subsidiaries ("we/us"). Together, we are committed to protecting our clients', employees' and representatives' ("you/your") privacy, and to ensuring the confidentiality of the personal information provided to us in the course of our business.
Our Privacy Policy sets out our standards for collecting, using, disclosing and storing your personal information. Our Privacy Policy also explains how we safeguard your personal information and your right to access that information.
Personal Information is any information about an individual that identifies him or her, such as financial, lifestyle or health information, but not their name, or business title, address, telephone and email.
Personal information has to be protected regardless of its characteristics or its form, whether written, graphic, audio, visual, computerized or any other form.
Collecting information about you is necessary in order for us to provide you with high quality services. The nature and sensitivity of the information we collect about you varies according to the services we provide you and to legal requirements imposed on us (such as information required for tax purposes).
The purposes for which we collect personal information about you are identified at or before the time of collection. For example, information may be collected while submitting an application, opening an account, or submitting a claim.
Purposes for collecting information generally include providing products or services requested, confirming your identity, protecting against fraud, or dealing with matters concerning the relationship between us.
When we obtain personal information from you, we initially require your consent to collect, use or disclose the information for the purposes specified. We will obtain your consent for any additional use, disclosure or collection, or if the purpose is changed.
We generally seek your express written consent in order to collect, use or disclose personal information. Where appropriate, we may accept your verbal consent. Occasionally, we may imply consent where we can infer consent from your action or inaction.
Consent must be given by you or your authorized representative such as a legal guardian or a person having a power of attorney.
You may withdraw your consent at any time, subject to legal or contractual restrictions. We will inform you of the consequences of such withdrawal, including the possibility that we may not be able to provide a product or process a request. If you choose to withdraw your consent, we will record the decision in our file.
In limited circumstances, we may collect, use or disclose personal information without your knowledge and consent. This occurs when legal, medical, or security reasons may make it impossible or impractical to seek consent, or when information is being collected for the investigation of a potential breach of contract, the prevention or detection of fraud, or for law enforcement purposes.
We only collect the personal information we need directly from you or from a third party where you allow us to collect the information. We cannot use your personal information for other purposes without your consent or disclose your personal information to anyone except with your consent.
We may however collect, use or disclose your personal information without your consent as permitted or required by law.
We limit the collection, use and disclosure of your personal information to the purposes we have identified to you. Your personal information is only accessible to certain authorized persons, and only to the extent necessary to perform their duties.
We will occasionally share your personal information with service providers or agents to ensure the proper administration of products, or to provide you with the services you require. In certain circumstances, we may use service providers outside Canada, including the United States. We are responsible for the service provider's compliance with privacy legislation, and will ensure that the level of protection of personal information is comparable to that provided by us.
You have the right to know, on request, to whom the information was disclosed. Only in rare instances are we prevented by law from making such disclosure. We maintain accurate records, recording to whom we disclose personal information and in what circumstances it was disclosed.
We may establish a list of clients (names, addresses and telephone numbers) and share this list with companies within iA Financial Group. You may request that your name be removed from such a list by writing to the Privacy Officer at the address provided below.
With your consent, we may also share your personal information with companies within iA Financial Group in order to know you better, better meet your needs and offer the best possible service and client experience. If you do not want to receive such offers for products and services, you may choose not to provide your consent.
We do not sell your personal information to third parties.
We make every possible effort to ensure that your personal information is as accurate and complete as necessary for the purposes it is collected, used, or disclosed.
We only retain your personal information for as long as needed for the purposes that it was collected. We must destroy this information in accordance with the law and our file retention guidelines. When we destroy your personal information, we make sure that confidentiality is secured and that no unauthorized person can access the information during the destruction process.
We are responsible for your personal information in our possession or control, including information that may be transferred by us to third parties for processing. We require such third parties to keep personal information under strict standards of privacy and protection.
We adhere to legislated and self-imposed rules, aimed to safeguard your privacy. Our Privacy Officer is responsible for the oversight of this Privacy Policy and processes and procedures that we have to protect your personal information. Additional rules are established in a code of conduct, market conduct standards as well as insurance industry guidelines and applicable law.
Our staff is trained on these processes and procedures and is provided with information about privacy laws.
We have implemented and continue to implement rigorous safeguards so that your personal information remains strictly confidential and is protected against loss or theft, as well as unauthorized use, disclosure, access, copying, or modification.
Protection methods include organizational measures such as requiring security clearances and limiting access to a "need-to-know'' basis, physical measures (e.g. building access cards for employees, visitor registration and identification cards, off-site backups and archiving), and technological measures such as the use of passwords and encryption (e.g. the use of firewalls and routinely changing passwords).
You have the right to be informed whether we hold personal information about you and to see that information. You also have the right to enquire as to how we collected your information, how we used it and to whom it may have been disclosed.
This information will be provided to you within a reasonable time from the date we receive your written request. We may charge a reasonable fee for processing your request.
In certain limited and specific circumstances, we may refuse to provide to you the requested information. Exceptions to your access right can include information that contains references to other individuals, information that cannot be disclosed for legal, security or commercial proprietary reasons, information that has been obtained in the course of an investigation of a potential breach of contract or fraud, information that is prohibitively costly to provide, and information that is subject to litigation or other privilege.
In cases where we hold medical information about you, we may refuse to provide you with direct access to this information and may instead request that a health care professional be designated to provide the information to you.
You may challenge the accuracy and completeness of your personal information. We will respond to an amendment request within a reasonable time.
Any request for access to information or request for an amendment may be sent to the following address:
Privacy Officer
The Excellence Life Insurance Company
1611, Cremazie blvd. East, Suite 900
Montreal (Québec) H2M 2P2
Our employees and representatives are trained to respond to questions or concerns about your personal information. Should you be unsatisfied with our employee's or representative's response, you may contact the Privacy Officer at the address mentioned above. In addition, any complaint concerning the protection of personal information should be addressed to the Privacy Officer.
This Policy shall be reviewed every three years. It shall also be reviewed whenever there are substantive changes to legislative or regulatory requirements.
Legal notice
Conditions of Use
This legal notice governs the use of The Excellence Life Insurance Company (The Excellence hereinafter) website. Please read it carefully before consulting the other pages of our site. By accessing the site, you agree to accept the conditions outlined in this notice.
a) Content
The purpose of the The Excellence website is to provide you with information on the company, as well as its products and services. All products and services mentioned on this site are subject to the terms and conditions of the contracts and policies applicable thereto and may be changed without notice.
The Company's products and services are offered only in Canada and only to Canadian residents, and certain products and services may not be available in all regions of Canada. Moreover, nothing on this site constitutes an offer to buy or sell the products and services of The Excellence; nor is anything on this site intended to promote such products and services in other territories.
b) Reliability of Information
The Excellence makes an effort to provide information that is as reliable as possible on its site. However, the Company cannot guarantee that such information will be accurate, complete and current at all times. The information and data contained on its site are presented for information purposes only and are not intended to take the place of legal or financial advice. The Excellence reserves the right to modify such information and data at any time without notice.
In the event of a discrepancy between the information published on this site and that contained in a contract, the information in the contract shall prevail.
c) Other Sites
The Excellence and other members of the Industrial Alliance group do not endorse or approve the content of other websites that can be accessed by hypertext links from this site.
d) Copyright and Trademarks
The content of this site is protected by the copyright laws in effect in Canada and other countries if applicable. Copying, reproducing, publishing or distributing any of the information found in this site, in whole or in part, is strictly forbidden. Visitors to this site shall be entitled to copy, print or download information for their own non-commercial personal use. They must acknowledge the source and ensure that the said information has not been modified in any way.
The prior written authorization of The Excellence is required for any other use, failing which the Company shall take the appropriate legal action. To request such authorization or for any other information in this regard, please contact us by mail or email, as follows:
Internet Officer
The Excellence Life Insurance Company
1611 Crémazie Blvd. East, Suite 900
Montreal, Quebec H2M 2P2
Telephone: 514 327-0020, extension 3230
Toll-free: 1 800 465-5818
The Excellence and other members of the Industrial Alliance group own the trademarks used on or in connection with the goods and services which they provide, whether they be in the form of names, graphs, logos, icons, designs, words, titles or phrases. These trademarks are protected by the Canadian trademark laws.
e) No Liability
The Excellence and other members of the Industrial Alliance group, as well as their directors, officers, employees, and representatives, shall not be liable, in any manner whatsoever, for any losses or damages that may arise directly or indirectly from the use of this site, including special or consecutive damages and third-party damages.
More specifically, but without limiting the generality of the foregoing, The Excellence and other members of the Industrial Alliance group, as well as their directors, officers, employees, and representatives, shall not be liable for any damages that may arise from acts or deeds performed on the strength of the information contained on this site or for any damages suffered as a result of the disclosure of personal or confidential information that is transmitted to them via the Internet.
In addition, The Excellence and other members of the Industrial Alliance group, as well as their directors, officers, employees, and representatives, shall not be held liable for any damages that may arise from the unauthorized reproduction or use of the information contained on this site.
f) Transactions
The Excellence places the highest priority on the security of information transmitted and transactions carried out by way of this site. The conditions of use described in this legal notice govern all transactions carried out, including contest participation. In carrying out transactions by way of this site, you acknowledge having accepted the conditions set out in this notice.
The obtainment of a product or service may be subject to certain conditions. The transmission of a request is therefore subject to the approval of The Excellence.
g) Modification of Terms and Conditions of Use
The Excellence reserves the right to modify at any time the terms and conditions of use applicable to transactions requested by way of this site.


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Who are We?
Pottery by Jean's Clay Studio
Made in Wisconsin (formerly Team WIST) is a group of artists that are spread out all over the great sate of, you guessed it, Wisconsin. We are dedicated to promoting talented artists and creators. Our members are small entrepreneurs creating and selling unique items on Etsy, at local shows, and in galleries.
We started as a small team back in 2010 and have grown a lot since then. We now have over 900 members and growing!!!
Are you interested in shopping Wisconsin handmade? Well stop by the Shop WI page or search "Made in Wisconsin" on etsy.
Are you an artist based in Wisconsin? Are you interested in joining our group? Well stop by the Join page for more info on becoming a member.
Don't forget to check us out on all your favorite social media sites.


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Peoples of Guyana
Peoples of Guyana
The Amerindians of Guyana
were many more Amerindian nations in the
pre-colonial period than those that
exist today. These include the Trios,
Tarumas, Miyonggongs, Piyanogottos,
Atorads, Taurepang, and Kamarakoto among
others. Many of these groups became
extinct or fled Guyana for a number of
reasons; some died from illnesses
contracted through European contact,
some were exterminated by warring enemy
nations, some fled to neighboring lands
during the era of tribal wars, and
others migrated to Brazil at the behest
of European missionaries. A great many
also left because they resented colonial
rule that allowed 'free nation' status
to some and categorize others as slaves.
The so-called "free nations" were the
Arawaks, Akawaios, Caribs and Warraus
and the Dutch colonizers permitted them
to enslave all other Amerindians groups.
It was by this route that the first slave plantations operated during early colonization. Amerindians were immediately accessible and by establishing a system to enslave them, and using their own people to make this possible, the Dutch were able to institute a structure that would last for generations.
Later, after enslaved Africans became the choice of labor for the plantations, Amerindians provided invaluable assistance to the Dutch by helping to quell slave revolts and by recapturing runaway slaves. The also maintained security in the interior and contributed to making Guyana possible be defining the geographical boundaries we know today.
The population of Amerindians in Guyana stands at approximately 70,000. However, this figure is difficult to verify because members of the various communities travel frequently between neighboring countries and also create satellite communities close to and far from established villages.
Guyanese Amerindians can be categorized linguistically and anthropologically into three main human and language groups which are Arawakan, Criban and Warrauan. Each of these nations has its own langue and they are defined linguistically by the same categories. They also occupy relatively well-defined separate ecological niches that have influenced their distinct cultures.
The Portuguese in Guyana
May 3, 1835, the ship Louisa Baillie
docked in Demerara with forty immigrants
from Madeira onboard, bound for work on
British Guiana's sugar plantations. They
came in response to the approaching
abolition of slavery and subsequent
labor shortages.
However, by 1845, most of the Portuguese had moved off the plantations and had bought small plots of land and moved into the huckster and retail trades.
In the early years, it was mainly in the rum trade that the Portuguese made their mark. By 1852, more than three quarters of the country's retail rum shops were owned by the Portuguese and they retained that monopoly well into the 20th century. The end of the 1860s and the 1870s saw the Portuguese well entrenched in the business community. Apart from being property owners, they were merchants, shop owners, importers, iron mongers, ship chandlers, leather merchants, boot and shoe makers, saddlers, coach-builders, timer merchants, brick makers, cattle owners, pork-knockers, charcoal dealers, bakers and photographers.
In 1858, the number of Portuguese in British Guiana was approximately 35,000, of which almost all were Catholic. They brought not only the agricultural expertise but their fait as well. In 1861, they built the Sacred Heart Church in Georgetown as well as other churches along the East Coast and East Bank, in Demerara and Essequibo.
The Portuguese held on to their language throughout the nineteenth century and a number of Portuguese newspapers kept the community in touch with events in Madeira and in the colony. Portuguese schools were established for both boys and girls, Together with other amateur and professional groups the Portuguese entered the cultural stream of music and drama in British Guiana society.
The Portuguese were also prominent in the world of sports - boxing, cricket, cycling, rugby, football, tennis, hockey, racing and rowing. In 1898, the Portuguese formed the first cycling club, The Vasco da Gama Cycling Club.
By the turn of the century, the Portuguese had created their own middle and upper classes, but they were never accepted into the echelons of white European society, even though they were European. The rapid economic progress of the Portuguese, their strong adherence to the Catholic faith and their clannishness bred respect but never whole-hearted acceptance among the population in either the 19th or 20th centuries. In the 1960s and 70s, the Portuguese suffered even more discrimination and many left Guyana in search of greener pastures.
The Chinese in Guyana
A walk down any
business street of shopping center in
Georgetown would bring you into contact
with "local Chinese". These are the
descendants of the original Chinese who
came to British Guiana as indentured
laborers between 1853 and 1879.
The Chinese brought with them the love of food and ability to cook, so Chinese restaurants can be found on almost every block in the capital and in most country district. Most of these restaurants are now run by newcomers from mainland China. In transporting their culinary expertise they transform national food found in Guyana by flavoring them with rum and ginger. In the case the 'Chinese cake', the original was the Chinese bean cake, towsa peng, but with its local incarnation it was made with black eye peas. They made ham choy (preserved greens) with the local mustard plant that they grew here and salted egg with the local duck's egg to replace the hundred year egg. Today, Chinese fare ahs been taken to new heights with the establishment of high quality eateries. The New Thriving chain has become a place of choice for Guyanese celebrations.
Over the years, the Chinese have adapted to the English customs through churches like St Saviour's Parish Church, originally know as the Chinese Church, when it was consecrated in 1874 as part of the parish of St Phillip's in Georgetown.
Through the Chinese Sports Club, which became the Cosmos Sports Club, and later acquired by the Guyana Motor Racing Club, Chinese boys and girls excelled at lawn tennis and table tennis giving Guyana the West Indies Championship on several occasions. Hockey was another popular sport and in the 1960s and 70s the National teams was made up almost entirely of players of Chinese origin.
Through the British Educational system, members of Guyana's Chinese community were able to make their mark as scholars, teachers, university professors, lawyers, doctors, dentists, farmers, shopkeepers, business leaders and political leaders. Many of the international businesses in Guyana are managed by Chinese.
The only Chinese customs that have withstood the test of time are practiced by individual families; wedding customs, the hospitality of the people and the celebration of any event whatsoever, by a feast of Chinese foods.


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This mind-blowing novelty is available with an imposing 45 mm case sculptured in stainless steel. Its surface is treated with black PVD coating. The case is also equipped with a protected crown and two push-buttons. The water-resistance of the Certina watch is ensured down to 100 meters.
The DS Master watch holds a number of inner values, presented in the form of useful functions. They are brought to life by a COSC-certified quartz chronometer chronograph movement - ETA 251.233.
The alluring black multi-level dial features the chrono counters for 12-hour and 10th-second indications. They are kept company by the lower small-second counter, marked with the historic Certina logo in relief. The date is displayed in an aperture located at 4 oclock. Pointing to the central minutes and hours are skeletal transparent hands. The watch face is protected by a glare-proofed scratch-resistant sapphire crystal. The model is also outfitted with the brands famous DS Double Security protection system.
The new Certina DS Master chronograph watch is accompanied by a black rubber strap, equipped with a folding safety buckle and a diving extension system. This watch is definitely the right choice for men in search for contemporary elegance.
Discover a fine range of stylish Certina watches for ladies and men:


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Screaming Eagle Cabernet Sauvignon 2015 . owc. Bottle (3). ... (Total: 3 Btls. )Click the image to load the highest resolution version.
DescriptionScreaming Eagle Cabernet Sauvignon 2015
Bottle (3)
"Composed of 76% Cabernet Sauvignon, 20% Merlot and 4% Cabernet Franc, the very deep purple-black colored 2015 Screaming Eagle leaps from the glass with notes of freshly crushed black currants, black cherries and blackberries with suggestions of cigar box, black raspberries, red currants, chocolates, pencil lead and cast-iron pan plus a touch of potpourri. Medium to full-bodied with a rock-solid backbone of ripe, grainy tannins and oodles of freshness, it features the most incredible black and red fruit layers and finishes with incredible vibrancy and depth." (100 pts. Lisa Perrotti-Brown, Wine Advocate #236, Apr. 2018)
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When you're living on a budget, the little things count. This is a list of things that I do to save money. Should everyone have the exact same list? Of course not. Everybody values various things differently. I'm sure there are things that you do to save money that I'd much rather pay more for (like oil changes), and there will be things on my list that you'd rather not do. But hopefully there will be a few things that do inspire you. And feel free to share things that you do as well! Note- for comparison's sake, I've tried my best to figure all costs as for a single person.
Making Coffee at Home
Occasionally I'll splurge on a really good cup of coffee, but most of the time brewing Maxwell House at home is good enough for me.
The alternative: Starbucks tall brewed coffee, $1.85. My cost: $.10. Savings: $1.75 per morning, $638.75/year
Making Breakfast at Home
Every morning, I take a little time to make a fried egg or two and a couple of slices of toast. Sure, not the full breakfast spread some are used to, but enough to get me going for the day. Skipping breakfast altogether would be even worse, since that would leave me vulnerable to endless snacking.
The alternative: Egg McMuffin, $2.79. My cost: $0.30. Savings: $2.49/weekday morning, $647.40/year
Sandwiches for Lunch
Peanut butter or cheese sandwiches for lunch, regardless of whether I sack them and bring them with me or if I'm home for lunch. I don't mind the monotony at all- I get variety for supper.
The alternative: 6 inch sub, $4, My cost: $.50. Savings: $3.50/weekday, $910/year
Cooking Supper at Home (Mostly From Scratch)
Other than the occasional restaurant- less than once a month, all our suppers are at home. It takes a little more effort, but for us it's worth the cost savings and knowing what is in your food.
The alternative: Pizza delivery or takeout, $7. My cost: $2.50. Savings: $4.50/day, $1,642/year
Buying Store Brand Products
I make a point of at least trying the store brand version of anything I buy. I've found a few duds, but for the most part, I stick with the store brand product.
The savings here really varies, but let's assume that store brand saves me a measly 2% on my grocery bill. My portion of the grocery bill: $30/week. Savings: $0.60/week, $31.2/year
Skipping on Soda
Don't really care for it. Figure it's bad for me.
The alternative: a pop a day, $0.30. Savings $109.50
Drinking Beer in Extreme Moderation
I enjoy the occasional craft beer, and by occasional I mean about 2-5 per month. I also don't buy drinks when I'm out to eat.
The alternative: a $1 beer a day, $30/month. My cost: $4/month. Savings: $24/month, $288/year
Using LED Light Bulbs
As the incandescent light bulbs in our house burn out one by one, I'm replacing them with 60-watt equivalent LED bulbs. Same brightness, lower electric usage, longer life. Clear win.
The alternative: Incandescent bulbs, $0.36/month per bulb assuming average of 2 hours of use per day. Cost: Since the higher cost of the LED bulb is more than covered by the longer life, assume no cost. Savings: 20 bulbs at $0.36/month each, $86.4/year
Biking to Work
In the summer months, when it's not raining, I'll ride my bike to work. It takes about 7 minutes longer for the 3-mile-one-way commute, but I enjoy the exercise and it saves a lot of in-town wear and tear on my car.
The alternative: Driving, $0.10/mile. My cost: 0. Savings: $0.60/morning, $50/summer
Driving a Small Car
This is not a new car vs used car issue to me- we bought one of our vehicles new and the other very used. Rather this is not buying a bigger, more luxurious car than I need. I wouldn't get much more enjoyment out of driving a Lamborghini than my Hyundai Accent. And I don't need both my vehicles to be the size of a Yukon. What we've settled for is a Hyundai Accent as a commuter car and a Dodge Caravan as a kid hauler. The comparisons could be endless here, so to keep it realistic, I'll just compare our 2016 Hyundai Accent to the larger 2016 Hyundai Sonata.
The alternative to my 2016 Hundai Accent: 2016 Hyundai Sonata, $28,797 5 year True Cost to Own. My cost: $24,082 5 year True Cost to Own. Savings: $4,715/5-year, $943/year
For fun, check out the TCO on the Hyundai Equus- my savings would work out to $8,637/year.
Wearing Clothes Until They Wear Out
It helps that I hate shopping for new clothes, but I will wear my clothes until they have holes in them. As they progressively wear out, they get downgraded from 'good clothes' to 'around the house' clothes to 'working in the yard' clothes to 'washing the car' rags. That's right- I'm too cheap to toss them until they've been used as rags. This is also why I'm trying to learn to buy clothes that last.
The alternative: frequent clothes shopping, $infinity. My cost: $less-than-infinity. Savings: $infinity
Washing Clothes Only When They Need It
I'm a huge fan of the 'smell test'. Or, since I have small kids, the 'is-there-unknown-substances-stuck-on' test. My shirts get washed after each wear, but my jeans can easily go several days. Not only do more frequent loads of laundry cost more, but they also wear clothes out faster, meaning I need to go clothes shopping more often.
The alternative: more laundry, more frequent clothes shopping. Savings: I-have-no-clue.
Shopping Garage Sales
With garage sales, we've had much more luck with finding gently used kids clothes than adult clothes, partly because adults come in so many shapes and sizes. Probably also partly because kids outgrow clothes so fast.
The alternative: brand new clothes that the kids will outgrow in less than a year, $10/outfit. Our cost: $1 per outfit. Savings: $9 per outfit, 10 per year, $90 per kid/year
Keeping our House Warmer in the Summer and Cooler in the Winter
I try and keep the heater and the air conditioner off as long as possible, but eventually I cave. In the summer, our thermostat gets set at 78, and in the winter it stays at 64 daytime, 60 nightime. I know there are some of you out there that go more extreme than this!
The alternative: 72 year round. Savings: guesswork here, but a rule of thumb is that you save 3% of your heating or cooling bill per degree moved. Since I'm heating 8-12 degrees below 72, that means my $200/winter heating bill is 30% lower than it could have been. That's a savings of $85/year just on heating. The guesswork gets even more guess-ier when it comes to the air conditioning since the air conditioning is part of my overall electric bill. I won't even go there…
Skipping on Cable
We don't have a TV, so therefore no cable bill.
The alternative: 2015's average cable bill of $99/month. Savings: $1,188/year
Skipping on Home Phone
Since we both carry cell phones, there's no reason to spend on a home phone too.
The alternative: $20/month home phone bill. Savings: $240/year
Using a Low Cost Cell Carrier
Our cell service is with Total Wireless, a carrier that 'rents' coverage from Verizon. We get the same service for a much lower price.
The alternative: $110/month plan from Verizon. Our Cost: $60/month. Savings $50/month, $600/year, or $300/year per person
I Still Spend Money On Things…
While it's important to not spend money mindlessly, you should still make sure you fit the things you do value to you into your budget.
Oil Changes
I get told a lot that doing my own oil changes would save me tons. But I'd much rather not. I'm not that much of a car guy (see my comment above regarding my indifference between a Hyundai and a Lamborghini). I've got a mechanic that I completely trust. Having him do the oil changes saves me time and hassle, and allows him to do his routine inspection and catch any other maintenance that I need to do on my car. I'm convinced that these routine inspections are the reason that we've yet to be stranded roadside, even when we've taken our aging caravan on 4,000 mile road trips (knock on wood).
The alternative: buying my own filter and oil, $12. My cost: $30 oil change. Splurge: $18/4 months/2 vehicles, $108/year
We lived completely without internet for 2 years, and then another 2 years with just the internet on our smartphones. With frequent trips to the library, it's definitely doable, but we finally splurged on the convenience of being online at home.
Splurge: $38/month, $456/year
And So Much More…
My list of things that I do spend money on could go on. Even the list of how I save money is still loaded with hidden splurges- the occasional Starbucks coffee, the fact that we have smartphones, owning two cars. I enjoy my Time magazine subscription. We treat ourselves to a zoo and science center membership. Every once in a while I take my wife out to dinner (and maybe even a movie). So while I like to find areas in my life to save money on, there are still things that I think are worth spending money on. Again, your list will be different from mine.
Your Turn…
What are your favorite ways to save? Leave them in the comments and inspire other readers!
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- While I do strive to only write accurate information and dispense valuable advice, I am not a licensed financial adviser. All information is based solely on my personal experience and personal research and should be treated as such. Find out more.


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Happy summer! In a couple of weeks, we'll be picking wild black raspberries from the old bushes on our property. Every summer I ask the kids to pick me at least 1-1/2 cups of raspberries so I can make these muffins. I bake a dozen, and they are gone within 24 hours. I think the thing that makes them so good is the texture - they're moist and dense, and the berries add the perfect sweetness. Be sure not to over mix or over bake these - if you do, they'll turn out tough and dry. I used store-bought raspberries here since our bushes aren't ready for picking yet. They were just as delicious, though I do prefer the smaller, wild raspberries. You can substitute other kinds of berries if you wish. These are perfect for a Saturday morning on the porch with a cup of coffee, or an afternoon snack with some ice-cold lemonade. Enjoy!
(Recipe adapted from Mad About Muffins, by Dot Vartan)
Here's what you need:
- 5 Tbsp. butter, softened
- 1 c. granulated sugar, plus extra for sprinkling
- 3 c. all-purpose flour
- 2-1/2 tsp. baking powder
- 1 tsp. salt
- 2 eggs, slightly beaten
- 1 c. half and half
- 1-1/2 to 2 c. (approximately) fresh raspberries
Preheat oven to 350 degrees. Grease or paper-line a standard sized muffin pan.
In a large bowl, cream together the butter and sugar. Add the eggs and mix thoroughly to combine. In a separate bowl, combine the flour, baking powder, and salt. Add this dry mixture to the wet mixture alternately with the half and half. NOTE: The batter will be very thick, and it may be necessary to add an additional Tbsp. of half and half if it seems too dry. It should look like this:
Fill each muffin cup with approximately 1 Tbsp. of batter. Place 5 or 6 raspberries (or more if your berries are very small) on top of the batter. Push 1 or 2 of them down into the batter. Then add an additional Tbsp. or so of batter over the top of the berries so they are mostly covered.
Bake at 350 degrees for 18 minutes or just until they are set and a toothpick comes out clean. Do not over bake - you don't want them to be brown. While they are still hot, sprinkle the tops with granulated sugar.
Let muffins cool for 10 minutes before removing from pan. Recipe should yield 1 dozen.


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Of her upcoming role as a quirky and seemingly cold housekeeper, the 38-year-old actress said, "I really wanted this role because it was completely different from previous heroines that I have played."
Slated to air this Monday, SBS' "Suspicious Housekeeper" (working title) not only has high profile "Winter Sonata" star Choi on board, "Sign" and "Phantom" co-director Kim Hyung-sik will be taking the reins of the upcoming black comedy, bringing his knack for suspenseful thrillers with unexpected twists to the table.
|SBS' "Suspicious Housekeeper" (working title) stars Choi Ji-woo (left) and Lee Sung-jae attend the drama's press conference in Seoul on Monday. (Yonhap News)
With "Sign" and "Phantom," Kim and crew deviated from the standard drama formula, offing their heroes, first at the end of "Sign" and then throwing audiences off yet again by the untimely and early demise of the male lead at the beginning of the following series, "Phantom."
Audiences are likely wondering what to expect from Kim's latest project, especially with Hallyu diva Choi as the headline act.
In the new SBS drama, Choi plays Park Bok-nyeo, a stoic housekeeper who will do whatever is asked of her, even, so the rumor goes, if that means murder.
Park's latest stint involves caring for a recently widowed father, played by actor Lee Sung-jae, and his four troubled children, all of whom are grappling with the aftermath of their mother's mysterious and sudden death.
"I was really charmed by the way the heroine refrains from letting her emotions show," Choi said, explaining how she was drawn to the inexpressive qualities of her character at the drama's press conference in Seoul on Monday.
"It is incredibly difficult to not be able to react to a co-star," said Choi. It was a bit lonely to play her icy heroine, she added.
"I was very excited to work with Choi Ji-woo," co-star Lee Sung-jae said before hinting that, "while Choi Ji-woo holds the key to this drama, children also play a huge part in this series."
Of working with four children, the veteran actress said, "I think this is the first time I have really worked with children since I debuted."
Though the plot reads like a dark, angst-driven thriller, director Kim promises a "bright and healthy drama."
Furthermore, it remains to be seen whether or not recent controversy over the Korean title of the drama will have any negative effect on how audiences respond to the series and if having a star director and actress duo on board will translate to a viewer ratings success.
"Suspicious Housekeeper" starts airing Sept. 23 Monday and Tuesday nights at 10 p.m. on SBS.
By Jean Oh (email@example.com)


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