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Inchyra and the Environment
Linen is considered to be one of the most environmentally friendly fabrics and, at Inchyra, we print using modern inkjet printers which are shown to be significantly more environmentally friendly than traditional screen printing methods. In addition, we use pigment inks which are the most environmentally friendly option for digital fabric printing. The combination results in fabrics that are distinctly planet friendly:
Linen is extremely durable and can be used for many years.
Linen is produced from the flax plant which does not require much energy or water to produce.
The entire flax plant is used in the production process, leaving no waste footprint.
Linen is naturally biodegradable and recyclable.
All of our prints are now digitally printed. This process has huge benefits over the traditional screen printing process both in terms of flexibility as it is easy to produce shorter print runs (which also means that we are able to offer bespoke colour matching) but also in terms of its environmental impact.
- We print with non-toxic water-based pigment inks. Pigment inks contain the colour, a binder to attach the ink to the fabric and water as a carrier. In pigment printing the inks sit on top of the fibres and are then fixed to the fibres by baking. This has led some people to see digital printing as inferior in quality to screen printing but Inchyra digital prints are virtually indistinguishable from screen printed fabrics due to the very specialist finishing processes that we apply which push the ink into the fabric. Pigment inks give a very strong light fastness.
Compared to traditional screen printing inkjet printing contributes to reductions in CO2 emissions and has significantly lower waste products and is economical in its use of resources including electricity and water.
Tests show that inkjet printing leads to a 57% reduction in power consumption, a 62% reduction in water consumption, an 85% reduction in waste materials and a 95% reduction in the carbon footprint.


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May 19, 1911 Greenwich, Connecticut Fred Husted, a wealthy farmer, informed his wife he felt too unwell to accompany her to run an errand. With Mrs. Husted out of the home, Fred convinced his 12-year-old son Lester to pull the trigger of a shotgun under the pretense he wanted to hear the firing mechanism to… Continue reading Man uses pre-teen son to facilitate suicide
Man murders woman after attempting to force her to marry him
May 18, 1801 Dedham, Massachusetts Jason Fairbanks murders Elizabeth Fales after trying to force her into marriage Fairbanks (21) and Fales (18) had a friendly relationship, though whether this relationship extended into romance is not certain. What is known is Fairbanks was enamored with Fales, so much so he informed his friends he intended to… Continue reading Man murders woman after attempting to force her to marry him
The body of "Tent Girl" found
May 17, 1968 Near Georgetown, Kentucky The decomposing body of a woman, later dubbed the "Tent Girl," is found The badly decomposed, nude body of a young woman, initially suspected to be in her late teens, was found by Wilbur Riddle near the side of US Highway 25. She was wrapped in a fabric similar… Continue reading The body of "Tent Girl" found
Man executed for the murders of three teens during four day killing spree
May 17, 1994 Maryland John Frederick Thanos is executed for the murders of three teenagers At the time of the murders, Thanos had been in and out of prison for violent crimes — namely rape and robbery. He also had a habit of carrying a leather doctor's bag holding a sawed-off .22 caliber semi-automatic rifle… Continue reading Man executed for the murders of three teens during four day killing spree
Man executed for killing mother-in-law/half-sister and her husband
May 16, 1997 Salem, Oregon Harry Charles Moore is executed for killing his half-sister and her ex-husband Moore had an extensive violent past, including physical and sexual violence against his family members. Some events showcasing his violence include: his mother obtained a restraining order against her son for mental and physical abuse; he handcuffed his… Continue reading Man executed for killing mother-in-law/half-sister and her husband

subset: commoncrawl


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Australian newspapers yesterday said the country's cricket team was in a parlous state and the coveted Ashes series all but lost after Ricky Ponting's men were smashed by England in Adelaide.
Australia were comprehensively outplayed in the second Test — losing by an innings and 71 runs on Tuesday — and commentators said they saw little prospect of a reinvention that would turn their fortunes around.
"The Ashes are all but gone," Malcolm Conn wrote in the Australian. "So too, it appears, are the last vestiges of Australia as a Test force after England's imposing second Test victory in Adelaide."
The post-mortems were damning, admitting that Australia was unlikely to win the remaining three Tests in the series given its beaten, broken and injury-hit team.
"The Ashes? Forget it — this side would be lucky to beat Bangladesh," opined a headline in the Sydney Morning Herald, while the Sydney tabloid Daily Telegraph ran with: "Get used to it" above a photo of a joyous England team.
"Australian cricket has not been in such a parlous state for two decades," said the Daily Telegraph, which in a column described the Adelaide Test as a "massacre."
England's thumping win at Adelaide — in which Australia scored only 245 in their first innings and then looked on as England replied with a huge 620 for five declared — formalized England's custody of the Ashes, Greg Baum said in the Age.
"If it seemed to Australia that all went England's way, it was because England made it so," he said.
Newspapers in England, -meanwhile, were overjoyed, saying victory in the series was within touching distance.
"Australia simply cracked," gloated one headline, while others declared "Aussies on their knees" and "England are masters now."
Commentators urged England to take advantage of their emphatic triumph and push ahead to retain the Ashes.
"Australia are in turmoil, so go for the jugular," the Daily Mail said. "Don't take a step back. It's England's time now."
And the Independent urged: "The Ashes are there for the taking."
England's superb all round performance was praised to the rafters, while commentators did not pull their punches when laying into the Aussies' woeful showing.
"England outplayed Australia in just about every department of the game," noted the Times, adding: "It was as complete a performance as I have seen from an England side."
The Daily Mail heaped scorn on the Australians, calling them a "laughing stock" who "can't bat, can't field, can't bowl."
Others saw the victory as a watershed, which could herald a fundamental shift in world cricket, with Australia's dominance of the game under threat from a resurgent England.
"Australia as a great cricketing power are unravelling before our eyes," the Daily Mail said.
However, for many England fans, noted some commentators, it was just a relief their team did not screw it up. "England supporters steeped in history wondered gloomily, as they walked to the ground on the final day, exactly how England would contrive to mess it up from here," the Times said.


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CSOC15 - 4th Computer Science On-line Conference (CSOC2015)
Organization: OpenPublish.eu
Venue: On-line Event - web based conference system
Location: Prague, Czech Republic
|Event Date/Time: Apr 27, 2015
|End Date/Time: Apr 30, 2015
|Paper Submission Date: Dec 01, 2014
The CSOC 2015 – 4th Computer Science On-line Conference brings together researchers and practitioners (young and experienced) interested in strengthening the scientific foundations in computer science, informatics, and software engineering.
CSOC 2015 is an environmentally-friendly scientific meeting as all attendees will participate using a web-based conferencing solution.
The traditional concepts of scientific conferences are improved by modern communication technology. CSOC 2015 uses innovative methodology to allow scientists, postdocs and doctoral students to share their knowledge and ideas on-line. This makes scientific conferencing more environmentally-friendly and ecological as well as more economical for participants too. There are no travel costs or accommodation costs. Participate on-line from your office or home!
The CSOC 2015 conference Proceedings will be published in the Springer Series: Advances in Intelligent Systems and Computing - ISSN 2194-5357. (Former Name: Advances in Soft Computing)
This series (proceedings) is indexed by ISI Proceedings, EI-Compendex, DBLP, SCOPUS, Google Scholar and Springerlink.
The conference will be organized in three main sections:
- Artificial Intelligence Perspectives and Applications
- Intelligent Systems in Cybernetics and Automation Control Theory
- Software Engineering in Intelligent Systems


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The Atari Mega STe Computer System. Next to the Atari
TT030, this was one of the most eagerly anticipated Atari computer systems.
Using the Atari TT030 module-ized case design in ST grey the Atari Mega
STe had all of the features that Atari computer users wanted.
Detachable keyboard, SCSI hard drive, IBM format compatible 720K 3.5" floppy
drive, 16Mhz 68000, Blitter graphics chip, stereo sound and much much more.
The Atari Mega STe was a truly great improvement on the ST line of computers.
Technical Specifications


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Difference between alcohol and wine
Alcohol vs wine:
Alcohol is considered as indispensable in order to maintain the spirit of a party as its intoxicating qualities let the people relax, sit back and be jovial throughout the even. Alcohol is known in many a names and it is available in many brands as well. Yet, in the literature of olden days, one sees alcohol constantly referred to as wine. Even today, many other alcoholic beverages are referred to as wine and The commercial use of the English word "wine" (and its equivalent in other languages) is protected by law in many jurisdictions. But are these two terms one and the same. This articles shall, as a result, attempt to find the difference between the two beverages if there exists any.
What is wine?
The beverage that s traditionally called as wine is made from fermented grape juice. The juice is extracted from the grapes using a pressing method and then, yeast is added to react with the sugars of the grape juices which will aid the mixture to produce alcohol. Unlike other alcoholic beverages, the grape juice is left to ferment in its natural chemicals which provides, unlike other alcoholic beverages.
Some popular forms of wine are Pinot Noir, Chardonnay, cabernet, Sauvignon, Gamay, and Merlot.
What is alcohol?
Alcohol or alcoholic beverage is a general name used all over the world for any beverage that contains alcohol, more specifically, for any beverage containing ethanol. Alcoholic drinks are typically classified into three kinds of beverages- beers, spirits, and also, wine
In a chemistry context, alcohol is an organic compound. In this organic compound, the hydroxyl functional group (-OH) is bound to a carbon atom and this carbon center is saturated and typically has single bonds to three other atoms
The most commonly used alcohol is known as ethanol (C2H5OH) with ethane as its main ingredient. Ethanol has been produced by human beings for centuries for the purpose of consumption, in the form of fermented and distilled alcoholic beverages such as wines, beers, etc. therefore, one can say that alcohol is an element that one finds in wine.
Differences between wine and alcohol?
Wine is considered as alcoholic but an alcoholic beverage is not always considered as wine. Wine has a lower alcohol content to other alcoholic beverages available in the market. Whereas wine is produced solely with the fermentation process, other alcoholic beverages go through a distillation process which in turn increases the alcohol content in these beverages.
Wine requires a longer period of fermentation and aging process than other types of alcohol as it would typically take as long as many years in order to produce an alcohol content of 9% to 16%. Although other fruit juices are also used in producing other alcoholic beverages, grapes are the preferred raw ingredient for making wine as its natural sugars and other chemical aspects aid the wine to ferment without the addition of other acids, enzymes or sugars unlike in other alcoholic beverages. sometimes, the term 'wine' is a reference to the higher alcohol content, rather than the actual production process.
The moderate consumption of wine and other types of beverages are considered as beneficial to health as well. They are known to be cardio-protective, although this is usually referred to wine. It is considered that non-drinkers have 2.36 times higher probability of suffering a stroke than regular moderate drinkers and also, alcohol helps prevention of diabetes by lowering the blood sugar levels. Yet, an excess of alcohol consumption can even be fatal. Apart from the typical intoxication effects, alcohol also causes delayed reflexes, clumsiness, dehydration and nausea. It can also damage the liver and the brain and in worst cases, alcohol is also known to be an agent of cancer.


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This past weekend Joe and I were honored at an engagement party (thank you to our hosts for making us feel so special and for a great night!) I wanted to bring an appetizer, something summery, good for a crowd and easy for the hostess to serve so I turned to Better Homes and Gardens. I used their recipe for Roasted Corn and Crab Dip as my inspiration and I think it turned out pretty well! I used a shortcut and picked up some frozen TJ's crab cakes but you could use plain crabmeat if you'd rather. If crab isn't your thing and you're looking for a party appetizer to please a crowd, check out my Get You Married Spinach-Artichoke Dip, Buffalo Blue Cheese Dip or Bacon Pimento Cheese Bliss Dip.
What to buy:
- 1 and 1/2 cups frozen whole kernel corn
- 1 cup red pepper, diced
- 2 teaspoons olive oil
- 2 crab cakes, thawed (or 1 cup crabmeat or one 6-ounce can crabmeat, drained, flaked, and cartilage removed)
- 1 cup shredded Monterey Jack cheese
- 1 cup mayonnaise
- 1 teaspoon freshly ground black pepper
- 1 jalapeño, diced
- 2-3 garlic cloves, minced
- mini pitas, baguette slices, and/or crackers
What to do:
- preheat oven to 425
- combine corn and peppers, drizzle with olive oil; toss to coat and roast, uncovered, about 20 minutes, shaking pan occasionally
- remove from oven and let cool
- in a medium bowl stir together crab cakes, cheese, mayonnaise, jalapeno, garlic and black pepper
- stir in roasted vegetables and transfer to baking dish dish
- preheat oven to 375 and bake about 20 minutes or until bubbly around edges
- serve with toasted pita bread, baguette slices and/or crackers


text: The Damage Prevention Professional Magazine is published quarterly. Each quarter has a theme related to underground infrastructure protection and safety. Each issue is filled with news articles, technology reports and feature articles written by Industry Professionals. Look at the Spring Issue for the SCGA article on the SCGA Annual Contractor Safety Breakfasts.


text: sense organs this is a quiz to know about sense organs. i hope you to enjoy this quiz about your past lesson cassandra published on May 10, 20115 responses 0 Questions in vertical order what is the colored center circle of the eye? retina iris cornea what are the three small bones found in the ear? Select the three correct answers stirrup palate scapula anvil fibia hammer what ailments does your eye become reddish and swollen due to constant rubbing? Type answer (9 letters) what sense organs is connected to nose? tongue ear skin what is the inner layer of skin? Type answer (6 letters)


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Audience: Urbana University students using the Urbana Self Service application. This is an entirely different application than the Franklin University Self-Service application.
Disclaimer: The results and functionality of the following article only apply to audience listed above.
Link to Application: https://uuselfservice.urbana.edu/ss/Home.aspx
This system can be accessed by Urbana students, faculty, and staff. If you are a student without access to Urbana's Self Service application, it may be because you have not been granted an IT account. If so, please see the following: Click Here
1. The First Time Accessing Self Service
2. My Profile Tab - Personal Information and Change Password
3. Finance Tab - Financial Information
4. Register Tab - Register for Courses
6. Grades Tab - Grades and Unofficial Transcript
7. Search Tab - Search the Course Catalog
The First Time Accessing Self Service
The first time you log into Self Service, you will be asked for some account verification. Log in to Self Service with the account information given to you (possibly given during orientation).
Then, you will be directed to a verification screen. When you received your account information, you should also be give a system ID. Here you will be prompted to enter that system identification number (format: xxxxxxxxx 9 numbers, no spaces, no hyphens). For students, this is your student ID. For Faculty and Staff, this ID will come to you from Human Resources. You will also need to enter you first name, last name and date of birth (to be entered in this format: mm/dd/yyyy).
My Profile Tab
The My Profile tab can be used to see and update information related to your personal data.
In the Account information sub-tab, you can update your password, which will change your password other University systems like email, Bluequill, on-campus Wifi and more.
The Personal Information, Ethnicity and Race, and Address, and Phone numbers sub-tabs, allow you to see and edit personal information about yourself. If any information in these sections needs adjusted, but is not adjustable by you, please work with Admissions to correct this information. The IT department does not have the permission to make these changes.
Finance Tab
The Finance Tab can be used to manage and view important financial information.
The Balance sub-tab shows an overview of charges and credits.
The Statement sub-tab shows a breakdown of how charges are applied.
The Financial Aid sub-tab shows Financial Aid information and packaging.
Register Tab
The Register tab can be used to schedule courses. Use the Traditional Courses sub-tab to start the registration process.
Select the term you wish to register for.
If your account is on hold, you will not be able to register.
Otherwise, you can select the click on Section Search to find courses.
Keywords, Course Codes, and the Period can help you find courses.
Once you have found the course, you can add it to the cart.
Next, you can add the section and register.
Review your schedule and remove and courses that you don't want. When ready, press Next.
Press Next again to finalize your course registration.
If you see the screen below, then registration is complete.
Classes Tab
The Classes tab can be used to see your course schedule.
Grades Tab
In the Grades tab, you can access a report of recorded grades for courses, broken down by semester.
You can also access an unofficial transcript.
Search Tab
The Search tab can be used to search the course catalog. The course catalog can be helpful to understand course offerings. You can also choose to search by section.


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Platform Public Relations is a boutique entertainment public relations firm.
By combining our extensive experience in the celebrity arena with our strong media relationships, we are able to secure editorial placements in a variety of mediums.
We are dedicated and passionate about who we represent, providing key hands-on individualized attention.
Platform Public Relations specializes in creating strategic, creative 'outside the box' media campaigns which utilize all facets of new media from print, electronic and online outlets to social media. We are available to our clients 24/7!


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Removing dead skin or dead tissue from a wound is part of the process of cleaning it, and is absolutely vital in order for the wound to heal. Cleansing a wound of dead skin or necrotic tissue, while necessary, can be difficult, because you want to remove the dead skin and other debris from the wound with an appropriate pressure, yet at the same time not disrupt the healing tissue. Saline is a common, effective and inexpensive solution for this process.
Extract the sterile saline solution entirely into the syringe. Discharge the contents directly onto the wound. Repeat until all visible necrotic tissue is gone.
Dab an amount of antimicrobial gel directly onto a gauze pad that is approximately the same size as the wound. The antimicrobial gel will prevent the wound from getting infected as it heals, and kill any infectious material already in the wound. Firmly but gently, place the gauze and antimicrobial solution on the wound. Tape into place.
Change the gauze pad two to three times a day, providing the wound with a fresh microbial application each time. Each time you remove the gauze to put on a fresh pad, do so very gently as there is a risk of damage to the healing tissue encircling the wound.
Most recent
- For bigger, deeper wounds with a great deal of necrotic tissue, a sterile whirlpool might be needed.
- Wear protective goggles when treating another person's wound if there is danger of being splashed by droplets of their bodily fluid.
- Wear protective gloves when treating any wound, particularly another person's wound, if at all possible. If not, use layers of sterile cloth, plastic bags, or the most hygienic material available to prevent your hand from coming in contact with the wound.


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In the Northern Hemisphere, 2017's Spring Equinox was on March 20th. The promise of spring is in the air, and hope is renewed. Though I tend to gravitate toward the harvest Sabbats, there's something to be said for this time of year. Where I live it gets cold and snows in the winter, and while I can appreciate the stillness, the quietness of snowfall, I much prefer the rain and thunder, the green peeking up here and there, the lacy quality of bare trees slowly being replaced by tiny, colorful blossoms.
Follow the link to read the rest of the post.


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Browsing Masters Degrees (Criminal Law) by Title
Now showing items 7-9 of 9
Re-opening the debate on developing the crime of public violence in light of the violent protests and strikes. (2016-02-29)While section 17 of the Constitution guarantees the right to freedom of assembly, the violence that often accompanies the exercise of this right culminates in the violation of the rights of non-protesters to, inter alia, ...
The right to remain silent : an unfair advantage. (2017)Abstract available in PDF file.
What constitutes 'substantial and compelling circumstances' in the mandatory and minimum sentencing context? (2016)No abstract available.


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I'm Going To Be Famous
"I'm going to be famous," says Arlo Moore, as he sets out to break the banana-eating record (17 bananas in less than 2 minutes) in The Guinness Book of World Records.
He has three weeks to practice before the big day. And he's not alone. His sister Kerry and two of their friends decide to join him. They want to break three more world records.
- eating 3 lemons in 15.2 seconds
- eating 3 pounds, 6 ounces of ice cream in 50.04 seconds
- spitting melon seeds 65 feet, 4 inches
Soon, all four kids are practicing like mad. Family members and students place bets. Will Arlo and his friends make The Guinness Book of World Records? And will they survive the disapproval of their parents and the school principal in the meantime?
"fast paced" . . . furiously funny . . . built-in appeal" - Booklist
"amusing" . . . thoughtful" - School Library Journal
Children's' choice award nominations in Tennessee, Florida, and Indiana.
Published in the U.K., New Zealand, and the Netherlands.
Book on tape.
Trumpet Book Club selection.
Through your local bookseller, or on-line at:
Hardcover: (US) Holiday House, NY - ISBN 0-8234-0630-X
Hardcover: (Netherlands) Deltas - ISBN 90-243-5057-3
Paperback: (Great Britain and New Zealand) Pan Books, Ltd., London - ISBN 0-330-30460-7
Audio: Recorded Books, Inc., NY - ISBN 0-7887-0593-8
This was my first book. I began writing it in 1982 while teaching fifth grade at Oceanlake School in the little coastal town of Lincoln City, Oregon.
One of my students was looking through The Guinness Book of World Records, trying to find a record he could break. It got me thinking about what record I might try to break if I were in fifth grade. I found the banana record -- 17 bananas in two minutes, or one banana every seven seconds -- and actually tried it, with one banana, anyway. It was a very interesting experience. (Hint: do not cram the entire banana in your mouth at one time!)
After I recovered from the indigestion, my imagination really got going. I used the little notebook I carry to jot down plot and character ideas I got from observing the kids in my class. I wrote, and rewrote, and rewrote, until I finally broke my own record -- 31 consecutive years without writing a novel -- by actually doing it!
Chapter One
"I've made up my mind."
The big pine tree in my backyard is easy to climb. From near the top I can see over the houses of Seagrove, Oregon, and down the hill to the Pacific Ocean. There's a forked limb up in the tree that makes a perfect place to sit. From it I can throw pine cones at my pesty nine-year-old sister, Kerry. I can listen to the fog buoy at the end of the jetty, too, or watch for whale spouts, or just sit and think. That's where I am now-up in the big pine, just sitting and thinking.
Today is the last Saturday before school starts in Seagrove. Monday is Labor Day. On Tuesday I begin the fifth grade at Lincoln Elementary School. Me, Arlo Moore, going back to school already. Summer will be over, and just because it's the day after Labor Day. That's a lot to think about.
But that's later. Right now it's still Saturday, and it's still summer. The sun is shining, sister Kerry is nowhere to be seen, the ocean is calm and blue, and I've got my copy of the Guinness Book of World Records with me. That's a lot to think about, too. My favorite book of all time is the Guinness Book of World Records. There are people listed in it who have done all sorts of incredible things like sleeping on nails, walking three thousand miles on stilts, yodeling for over ten hours, or eating lots of bananas really fast.
I love to eat bananas -anytime, anywhere, any way I can. That's why I've read about the world record for eating bananas so many times that I've got it memorized: a man named Dr. Ronald L. Alkana ate seventeen bananas in only two minutes. He did it at the University of California in Irvine on December 7, 1973. That was before I was born, and it's still the world record. I think about that a lot, especially when I'm up in the big pine.
But yesterday I had a new thought. It was one of those thoughts that stuck its nose into my business just like my dog Porkchop does when he's looking for a bone. "Arlo," this thought said to me, "you could eat seventeen bananas in less than two minutes. You should be in the Guinness Book of World Records instead of Dr. Ronald L. Alkana."
Well, at first that thought just sat in my brain like my dog Porkchop does on the back porch, not moving a muscle. But today I've been giving that thought some serious consideration. I've turned it over in my mind a couple of times. I've looked at it very carefully. I've spent a lot of time thinking about it, and I've made a decision: I could break that record. I could be in the Guinness Book of World Records and it would be wonderful. I'd be on TV. They'd make a movie about my life. I'd be rich. I'd ride in a big, fancy car. My fans would follow me everywhere.
"Hey, Arlo."
I can hear it now, fans calling my name.
"Arlo, it's me, Kerry."
Fame, riches, my name in lights...wow.
"Arlo, listen to me."
The world-famous banana-eater, that's me, Arlo Moore.
"Arlo Moore!"
"Huh? What?" I ask, looking down at one of the last people in the world I want to see.
"Come down out of that tree," sister Kerry orders. "Mom says it's your turn to mow the lawn. You've got to clean up your room, too."
Yep, I've made up my mind. The time has come for me to take action. My path in life is now set. Look out, here comes Arlo Moore, banana-eating champion of the world.
I'm going to be famous.


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Jenny Campbell announced for 2019!
We're delighted to announce that entrepreneur, investor and panel member on BBC's Dragon's Den, Jenny Campbell will be speaking at this year's FinanceCamp, providing advice and insight on securing investment.
FinanceCamp connects businesses with bright ideas to the funding solutions they need to grow
Open to enterprise of all sizes and from all sectors, FinanceCamp is FREE to attend. It's all about preparing businesses seeking funding to meet with lenders and investors. The day is made up of one-to-one appointments, inspirational keynote speakers and networking opportunities.
Why should I attend FinanceCamp North East?
- Investor
Ambitious businesses with bright ideas and viable propositions. That's what FinanceCamp guarantees investors who work with us. We'll be bringing together over 100 companies of all sizes and sectors who are looking to finance innovations and new ventures. Thanks to our rigorous recruitment process, we take great care to match the right businesses to the right investors, ensuring fresh and exciting opportunities are created for all.
- Seeking Finance
If you're looking to raise finance for your business, then join us at FinanceCamp where we take you through the journey of raising finance, with a programme of investor readiness training on offer. You'll then have the chance to meet with investors tailored to your business and finance needs on the day of the event.


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Your privacy is important to us. We have updated our privacy policy to better explain how we use data on this site. Read it here
That was then. Things change.
Says "over 40 Republican leaders denounced" Steve Watkins' campaign
— PolitiFact National
on Thursday, October 25th, 2018
He did exaggerate, but so did the ad
Says that Steve Watkins "bragged to voters that he built his company from scratch, but it was all a lie."
— PolitiFact National
on Thursday, October 11th, 2018
Jolly didn't, but his employer did
Says David Jolly's former firm lobbied "for hundreds of millions (of dollars) for a dictator in Pakistan."
— PolitiFact Florida
on Monday, January 27th, 2014
PAC cash accounts for about 15 percent of campaign contributions
Says Jim Renacci ran against the Washington establishment in the election, but is now "hypocritically embracing it with big money, special interest fundraisers."
— PolitiFact Ohio
on Monday, December 13th, 2010
Rigell's dealerships profited, but they didn't make $400,000
"Rigell's car dealership made over $400,000 off the 'Cash for Clunkers' bailout."
— PolitiFact Virginia
on Friday, October 29th, 2010
The overall average for Ohio's largest auto dealer is B+
Tom Ganley has "two F's from the Better Business Bureau" and "over 160 complaints in just three years."
— PolitiFact Ohio
on Thursday, October 21st, 2010
Sloppiness on both sides leaves subject and source both a little muddy
Says Republican Reid Ribble says stimulus bill failed to jumpstart the economy, but his "roofing company made almost $300,000 off stimulus funded projects."
— PolitiFact Wisconsin
on Wednesday, October 20th, 2010


text:
As a boy growing up I curiously asked and was grateful for the invite to ride along with my father on service calls and to accompany him to the shop on Saturdays. I owe a great deal of gratitude to my father for being a patient teacher and will never be able to repay him for all that he has and continues to teach me. I was excited at just 12 years old to be handed a torch and given the opportunity to solder and sweat copper fittings. I chuckle now thinking how much silver solder and copper I burned through as dad patiently and kindly instructed me.
I am extremely proud to be a 4th generation refrigeration technician and just recently completed a search and discovery of equipment and installations my grandfather did back in the 40's and 50's. My grandpa was a pioneer in ammonia refrigeration and my father gleaned the trade from him and is now passing the torch to me. It is my hope and ambition to carry on the family trade, commitment, expertise, quality, and convictions of the two mentors that have proceeded me.
Although I have not worked full time in the refrigeration trade since those early days as a youth, my stops along the way have helped me to be a better technician today as I grow and learn with all of the changes as the industry continues to evolve.
After high school, I felt a calling to serve my country and decided to join the US Navy. I was fortunate enough to become a Damage Controlman which coincidentally does service and maintain the refrigeration systems on-board naval ships.
I served my 3-year enlistment and was honorably discharged in 1990. I came home and found work in the sheet metal trade were I installed commercial and industrial blow pipe for local factories, manufacturing plants, and machine shops.
Although I enjoyed the sheet metal work, an unexpected layoff led me to a new trade in the concrete construction industry. I quickly picked up this new trade and went from a laborer to the owner in 7 short years. I was thrilled to have the opportunity to pour foundations and flatwork in residential, commercial, and industrial applications. As my back and knees grew weary, I decided to shift my experience towards the building trades.
I studied and successfully passed the builders exam and went out on a limb to build my first home. I enjoyed being a contractor, working with other trades, and building dream homes for my clients. In 2005 I had the honor to build a spring and a fall "Parade of Homes." Unfortunately, when the building industry started to turn for the worse I was left to wonder what my future might hold.
As my father's business continued to expand, his need for informed, committed, and proficient techs increased. Thankfully, my need and my father's needs crossed paths once again and I was welcomed back into the family business. I currently work with him despite the 800 miles that separates us.
Currently my Refrigeration Business in Michigan continues to grow as well as my clientele base. I enjoy performing service and doing installs when I am able. In between calls, I refurbish equipment in my shop area and retail them from my showroom. I also sign up and attend any all schooling the manufactures offer to keep fresh and up to speed on the newer makes and models as the industry continues to evolve. I am thrilled and blessed that my immediate family is active in the business too. My son and daughter frequent me to the office and volunteer to "earn" money. I am honored to have met and married a wonderful woman who not only supports me, but encourages me. Thankfully, Tammy asks to ride along on deliveries and occasionally is recruited to help tear out a walk-in freezer or cooler.
- Rick Weidenfeller


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A speedy, time-lapse trip through the disputed rail right-of-way for Metro's Expo line - currently being built from Downtown Los Angeles to Santa Monica.
Starting about 6 blocks West of Robertson & Venice through West LA to the corner of Pico & Sawtelle! Yes, no kidding - this is West LA and it was shot on July 10 & 11, 2010.
For more info on the Expo line, see http://www.buildexpo.org
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Home / Products / Mobile / LTE Switch
LTE Switch
RichWave offers a broad line of Radio Frequency (RF) switches for 4G/LTE smart phone applications, including high-performance devices with low Insertion Loss (IL), high isolation, and low harmonics generation. RichWave uses SOI CMOS switches for both main and secondary paths, offering a wide variety of switches and Antenna Switch Modules (ASMs) ranging from simple Single-Pole Double-Throw (SPDT) switches to complex high port count configurations such as Single-Pole Eight-Throw (SP8T) switches.
Key features of RichWave LTE switches include:


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Superstar VegWebber of the Week: conniex721!
This week's Superstar VegWebber is conniex721 (http://vegweb.com/index.php?action=profile;u=160207). She's earned her Superstar status through participation in Cookbook Lab: http://vegweb.com/index.php?action=profile;u=160207;sa=showPosts. She lets us know the best things to make in our favorite vegan cookbooks... and that's a ridiculously helpful service. Plus, she loves Horizons and I would eat there every night if I could. I guess I have to start planning my move to Philly now? Yay, conniex721!
VegWebber since October 2010
Vegetarian, Vegan or ? - Vegan!
Where do you call home? - Outside Philadelphia
What do you do when you're not on VegWeb? - Ballet
Do you have blog or website? - I have a website, documenteddays.wordpress.com, that is a 365 project: I try to take one photo every day of 2011. Sometimes food pictures show up!
Do you tweet? Nope
One unique thing should know about you? I have all the Harry Potter audiobooks on my iPod. And I've listened to all seven of them about 15 times.
What's the best thing about being vegan? (if you are!) Being able to feel good about the food I'm eating, since it's good for animals, the environment, the economy, and me!
Favorite romantic recipe on VegWeb? Vegan French Toast, dress it up with strawberries and chocolate on top! http:// http://vegweb.com/index.php?topic=5179.0
Favorite recipe on VegWeb to make for non-vegans to show them how amazing vegan food can be? Vegan Brownies. These are so delicious.http:// http://vegweb.com/index.php?topic=23281.0
Favorite healthy recipe on VegWeb? Buffalo Kale Chips http://vegweb.com/index.php?topic=30128.0
One thing you wish you could make vegan but haven't succeeded at yet? Is there anything that you can't make vegan? Maybe croissants, although I could try it with earth balance...
#1 Cooking secret/tip? TThere are 3 teaspoons in 1 tablespoon (I always lose my tablespoon).
Best music to cook by? Any musical, especially In the Heights.
Three people you'd most like to have dinner with? My mom, dad, and brother: I love sharing a meal with my family.
All time favorite restaurant? Horizons, in Philadelphia.
French fries or ice cream? I have such a sweet tooth, so ice cream.
Soy milk, rice milk, almond milk? Almond milk!!! I'm obsessed. I can go through a gallon in 4 days.
Tofu, tempeh, or seitan? Tempeh but I like them all.
Yay, Connie! Love your reviews. : )
thanks for the teaspoon tip!
Jim Dale rocks! I loved my Harry Potter audiobooks until the end of the 7th book when JK killed a twin. I never listen to them anymore because of that.


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So when your doctor hands you a prescription for a drug like prednisone, you likely can't wait to get over to the pharmacy.
But here's the thing. Drugs commonly used to treat bronchitis can produce some pretty nasty side effects, including:
- Headache
- Dizziness
- Difficulty sleeping
- Acne
- Weak muscles
- Heartburn
- Vision problems
- Confusion
- Depression
Over time, these side effects can become quite taxing on your body.
So – if prescription medication is no good for bronchitis, what should you use? I'm glad you asked! In this article, let's take a look at 5 great natural foods and compounds that will provide bronchitis relief.
#1 – Ginger
Ginger, thanks to its natural anti-inflammatory properties, can help relieve the inflammation at the root of bronchitis. You see, the disease occurs when mucus membranes in the lungs become thick and block off the airways, trapping phlegm and making it difficult to breathe.
Relieve this by making organic ground ginger tea. If you've only got ginger powder handy, no worries – just add one teaspoon of organic ginger powder and black pepper into a cup of boiling water. After the tea has steeped for a few minutes, add some honey to taste. Drink this twice daily.
#2 – Turmeric
Here's another natural anti-inflammatory compound you've likely got in your pantry. Turmeric is also a antibacterial, which makes it effective at combating bronchitis caused by an infection.
TurmericForHealth.com recommends drinking organic milk mixed with half a teaspoon ofturmeric first thing in the morning on an empty stomach for best results. You can also inhale fumes of hot water mixed with a few teaspoons of turmeric to clear mucus in your airways.


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Registration for Educator Courses
Educator development courses are intended for Great Books educators (broadly understood to encompass college and university professors, K-12 teachers, adult educators, peer discussion leaders, administrators, homeschooling parents and others with a serious interest in Great Books education). In order to maintain the professional focus of these courses, registration requires pre-approval from Great Discourses Student Services who will provide a registration code that must be entered on the course registration form. You can also register by email or telephone.


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PMI, which stands for Private Mortgage Insurance, is for the benefit of a lender that is loaning funds greater than 80% LTV. It covers loss to the lender for the amount over 80%. It is not for the benefit of the borrower. What would be the purpose of you getting it?
To persuade the lender that he may safely lend me the entire 100%; and to assure me that, should the large national company rated BB+ (the seller) never the less does go belly up and default on his lease payments, I will not be left holding the bag, owing vast sums to the lender for my purchase of empty property devoid of income. Yes, the lender is the pmi beneficiary, but doesn't it, if invoked, cancel or partially cancel my debt? Do I misunderstand how it works? Also, neither the lender nor seller is likely to deal with me on a 0% down payment basis unless assured that the property will in all circumstances, stay bought and paid for; and outside of such assurance, I wouldn't want to try to be the buyer either. The crux is that the property must either be paid for from promised lease income, or fail safe.
What your are asking can't be done. If the tenant fails someone will lose. That would be you. However you are proposing having nothing invested and hence nothing to lose. That is why a lender won't do it. It is your risk if the tenant fails not someone elses which is why lenders want you to have something invested. A PMI company is not there to insure you against loss and make your investment without risk. You can't get PMI insurance for that. The lender can for the amount they lend over 80% LTV but, because of the risk no PMI company would touch such a deal. Residential has far less risk yet 100% financing is the primary reason the country is in the toilet. There is always risk of loss with any investment. The greater the risk the higher the return. You must take on some risk to receive a return. What you are suggesting simply doesn't exist. You can't get "fail safe" as you call it. You also can't get financing from a lender with $0 down. You might from the seller?
I assume the reason this seller wants a sale leaseback with me is to acquire 100% cash now (from me via a lender) in return for giving a time debt; that the seller is not interested in giving property in return for my time debt. Isn't there such a thing as commercial mortgage insurance, or seller performance surety bond (for the lease payments), which I would be glad to capitalize with the lender, as long as some underwriter says my time charge for assuming the risk is such and such? Where would I look for such an underwriter? Also: Life insurance companies, somewhat like banks, are themselves 'insured,' if one fails others step in to take over the accounts. How about pmi companies, 'commercial mortgage' insurance companies, performance bond surety underwriters? Any recourse in event of their failure? I'm looking to offer the lender (and me) protection not just against the seller's or my failure, but against any guarantor's also. Where should I look? Isn't there some place besides Lloyd's of London?
Sale lease/back does give the seller the cash. That's why there has to be some unless the seller carries and then there is only the cash on the difference between the carryback and the price. Cash has to come from somewhere. No lender is going to loan 100% on a commercial piece of property especially now. You will be lucky to find a lender that will loan with 35% down. In addition the property is going to have to cash flow to the tune of 1.25 to 1.35. That is know as a debt coverage ratio (DCR). What that translates to, is for every dollar of debt payment, you will need $1.25 or $1.35 in income. Your downpayment or the price would have to adjust to meet that requirement. DCR usually causes the the down to be greater than 35% (depending on the cap) and the lender picks the greater of the two, DCR or 35% down. You are simply looking for something that doesn't exist. That said, if you have the money sitting in a bank you could collateralize a loan with the money. It sounds like you have no money? If that is true who would loan you money? What would there guarantee of repayment be? And what "insurance" would be interested? Insurance is usually given out if the risk of loss is low not high. You would be sky high in the eyes of a lender of mortgage insurer. If the seller is unwilling to do the deal with no money down no one else will either.
As I understand your term DCR (debt coverage ratio), it is NOI (net operating income) divided by scheduled principle and interest payments (computed on either an annual or monthly basis with the same result), and Cap (capitalization rate) is annual NOI as a percentage of Price (property cost).Therefore a Cap rate of 8.25% would allow a 1.35 DCR and 0% down payment: when purchasing on a 30year mortgage @ 4.54% APR (annual percentage rate); or when purchasing on a 40 year mortgage @ 5.40% APR. Although I thought the 30 year APR would be that low, I'd have guessed the 40 year APR would have been a full percentage point or two higher.Nevertheless, as this property does have an 8.25 Cap, 20 year initial leaseback, four 5-year lease renewals (for a total of 40 envisaged lease years), and periodic 5% rental increases, either each lease renewal or each 5 years (I'm not yet sure which), doesn't this deal seem worth exploring?For instance, 1.25 DCR would allow a 30 year term at 5.21 APR, and a 40 year term at 5.99 APR; and a 1.20 DCR would allow a 30 year term at 5.58 APR, and a 40 year term at 6.32 APR.And, if there are rent increases early in the game, when equity would still be low, I'd be delighted to dedicate them to increased mortgage payments.I've some money, but its nothing compared to this league.Well, I guess I must have been looking at some outdated information. I see the prospective seller's rating is not BB+, but rather BB-, and has been since October 2008, which is why the seller wants to raise cash on assets, and I want isolation from their problems, and would like to price some insurance to protect me and the lender. And I remain curious as to how safe insurers, underwriters, etc, themselves are in the face of calamity. That is, can they really protect me, and how much do they cost? Any advice on those points?
JerePlease e-mail me direct at email@example.com. with your questions. Give me the numbers on the investment and I will figure out the DCR, Cap, IRR etc. A property with an 8.25% cap, a 30 yr amort loan @ 5.99% does not generate a 1.25 DCR, it is 1.148. For every dollar of monthly debt there has to be, in this case, 1.25 in net operating income (remember that NOI does not include debt). Example: $100,000 purchase price. 8.25% cap= $8,250 NOI. Loan $100,000 @ 5.99% amort 30 years= $7,187. There is not $1.25 in income coming in for every dollar of the $7,187 going out on the loan. All that said you still won't be able to find a lender that will loan even if the DCR meets the 1.25 reqirement because commercial loans generally require 35% down or a 1.25 DCR whichever is greater. If you can't get a lender to lend you sure won't get anyone to insure such a loan. It would be like trying to get someone to insure an airline piloted by Kamakazie's. Anyway contact me direct.
NOI per mo @ 8.25 cap for $100,000 loan = $687.50int rt yrs paymt DCR 2.93 15 687.22 1.000 5.49 20 687.32 1.000 7.32 30 686.93 1.001 7.89 40 687.07 1.001 5.99 30 598.91 1.148 5.58 30 572.82 1.200 6.32 40 572.68 1.200 5.21 30 549.73 1.251 5.99 40 549.52 1.251 4.54 30 509.06 1.351 5.40 40 508.98 1.351A. My calculated DCR for a 5.99 % rate was for a 40 (not 30) year loan, and above are various results using an online amortization calculator.B. DCR increases as payments decrease, which decrease as amortization period increases.However, the lenders best interest rates (rate of return) correlate with increasing term.If the hazard is that the company may fail and earnings and payments cease, rather than degrade, then a higher DCR offers no increased protection, and the loan decision would best be made on the judged security of the planned payments.And, if the planned payments are judged sufficiently secure then I would think: the lender would seek comparatively high interest and comparatively quick payoff, and the investor/borrower (I) would seek comparatively quick payoff, which would occur at the lowest negotiable interest rate (i.e. likely 5.29 % for 20 years to 7.32 % for 30 years).I think the parent company has some current risk and needs to raise cash (hence the sale leaseback).I think the operating subsidiary corporation can probably generate income to cover the CAP rate (and at a probably adequate DCR), whether the parent company fails or not. That is, even if the parent company should go to bankruptcy, I would expect the operating subsidiary corporation to survive in some guise, and continue to generate income sufficient to cover the CAP rate lease.C. Which explains my continuing interest in the project.D. But, since I can't seem to find an insurance solution to isolate both the lender and me from harm, I will explore the possibility of the seller's agent: lining up a lender that will facilitate a loan, supporting a purchase offer for the proffered sale/leaseback from a corporate shell of some sort, to be established by (and to isolate) me.E. It's been fun!
Good luck to you but you are barking up the wrong tree. Let me know if you pull it off because in today's lending world you thinking is flawed. You are not going to be able to protect yourself against loss by shifting the risk to an insurance company. You will not be able to get a 40 year amortization on a commercial loan especially a triple-net and you won't be able to buy something with no money down from someone other than a seller who is willing to carry. For sure no one will be willing to insure you against a loss. Let me know what the seller's agent says when you propose what you have in mind to him. I'm confident you will get the same response I have been giving you and that is, no, what you are trying to do won't work. You have my email. If you make it work let me know because I would like to use it as an example in the siminars I do on investing in NNN properties.
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Within the charming valley of Everdell, beneath the boughs of towering trees, among meandering streams and mossy hollows, a civilization of forest critters is thriving and expanding. From Everfrost to Bellsong, many a year have come and gone, but the time has come for new territories to be settled and new cities established. You will be the leader of a group of critters intent on just such a task. There are buildings to construct, lively characters to meet, events to host—you have a busy year ahead of yourself. Will the sun shine brightest on your city before the winter moon rises?
Everdell is a game of dynamic tableau building and worker placement.
Ages: 14+
Everdell is a game of dynamic tableau building and worker placement.
- 128 Critter and Construction cards (48 unique cards)
- 16 Event Mini-cards
- 11 Forest Mini-cards
- 30 Berries
- 30 Twigs
- 30 Resin
- 20 Pebbles
- 30 Point tokens
- 20 Occupied tokens
- 24 Wooden workers
- 1 8-sided die
- 1 Game Board, Ever Tree, and Starter Event tiles
Ages: 14+
Players: 1-4
Game Length: 20 minutes per player
For Starling Games' refund policy, please visit: https://www.starling.games/refund-policy


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Greetings from Rustavi, Georgia From the travels and adventures of the "World's #1 Trackchaser" Country #67 – Track #1,916 * Share PostTwitterFacebookGoogle +1Email
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Thank you for visiting my site. Hope you find what you are looking for and discover things that you were not!
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make up for (someone or something)
make up for (someone or something)
1. To atone or act as compensation for some unfairness, misdeed, etc. Here, this should make up for all the money I owe you, and then some. Dad said he hoped this trip would make up for all the times he was away.
2. To act as a substitute for someone. Brett can't make it, so you'll have to make up for him, if that's OK.
make up for someone or something
1. to take the place of someone or something. John can't play in the game Saturday, but I think I can make up for him. Do you think that this cat can make up for the one that ran away?
2. to compensate for someone or something someone did. We all had to do extra work to make up for Harry, who was very tired from being out late the night before. We will certainly make up for what we failed to do.


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When an individual is injured as a result of another person's negligence, it is crucial that the victim find a good lawyer as soon as possible. This is because the more time that is allowed to elapse between the accident and filing the lawsuit makes it more difficult to collect vital supporting evidence.
Although life is too short to worry about every single thing that can go wrong, the reality is that whenever you leave your home, you are at risk of being injured in countless ways. Even if you were to take every conceivable precaution, and conduct yourself as safely and responsibly as possible, you are always at the mercy of someone else's actions.
It could be a careless driver, one instance of poor judgment by a construction worker, a defective bus door, or a dangerous dog on the loose. Thinking of the co Continue reading


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With the summer bringing thoughts of change and a fresh perspective, now's the perfect time to embrace brand new design trends, mixing up the old with the new.
It's precisely this blending of design styles that inspired the launch of Maitland & Poate, who sell rare and beautiful reclaimed Spanish tiles in a traditional Andalucían Encaustic style to those redesigning their homes.
What started simply as admiration of this local artisan material soon developed further after Chris and his wife, Emma, spent time in Andalucía. Travelling from Sevilla to San Fernando, they became obsessed with finding the rarest antique tiles and other reclaimed flooring which other UK suppliers just couldn't provide. These unusual finds would give them a daily reminder of those rolling Spanish hills and sun-drenched terracotta that evoked such distinctive memories.
Maitland & Poate now stock the largest selection and widest range of reclaimed encaustic tiles in the UK, helping clients source bespoke batches for specific projects.
Their love for encaustic tiles inspired them to design and launch an exclusive range of handmade cement tiles using original methods. These high quality tiles are produced in Cordoba and include designs and colours you won't find with any other UK supplier. The M&P artisans can also recreate any tile you may find and fall in love with.
To complement the tiles, the duo searched and discovered an eco-friendly lime paint from Sweden produced in a muted range of textured colours, in order to find a perfect partner to add depth alongside the tiles. The lime paints are VOC, solvent-free and allow a building to breathe, helping the longevity of a structure- not to mention the depth and variation created by the brush-applied paint given in terms of the finished aesthetics.
"Combining such an antique artisan craft into modern day re-design projects really adds drama to any space and this is what is so exciting", says Chris Brooke, Founder of Maitland & Poate. "Our customers love the unique designs we can offer. By mixing this traditional style with the clean lines from more modern-day materials, customers really can make an individual statement with their interiors"
As you read this, Chris and Emma are dragging their three young children through the Cadiz countryside in search of undiscovered tiles…
For more information please visit maitlandandpoate.com
Article by: EKBB


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Before you file for divorce, there are a few things you have to consider. Perhaps most importantly, you need to know if your marriage meets the divorce requirements of your particular state. Since the laws can vary by state, it's imperative that you learn your state's individual requirements for divorce and ensure that you meet those requirements before you try to take the process any further.
How are assets and children divided in a military divorce?
Military divorces bring myriad issues and concerns with them that most divorces do not, which can make it harder for courts to decide how things are divided if a married couple splits up. As with most divorces, the most highly contested issues in a military divorce seem to be money and children. More specifically, people are often concerned with: What custody arrangements will be reached, how military pensions will be divided, and how much child support they will have to pay, if any.
Texas is not one of the worst states to divorce in
Not many people would describe divorce as an enjoyable process. Even if the divorce is in the best interests of everyone involved, and even if your life improves drastically after divorcing, the litigation process itself can be financially and emotionally draining. Divorce is different in each state, based on anything ranging from state specific laws, values or even cost of living. A divorce attorney recently wondered which states faced the most difficult divorces, and the results may surprise you.
Same-sex couples could face child custody issues
Child custody is a difficult topic to tackle. No matter what custody arrangement is reached, your relationship with your child may never be the same.


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Rear Admiral Donald "Mac" Showers
Less than a year prior to the Battle of Midway, retired Rear Adm. Donald "Mac" Showers had been commissioned on Sept. 12, 1941 as an Ensign. Soon after his commission, he received orders to Pearl Harbor's code breakers. One of very few code breakers, Showers was assigned to Station Hypo under the command of Cmdr. James Rochefort. By the spring of 1942, Rochefort's staff, which included Showers, were making positive strides toward deciphering the Japanese Navy's crucial next move.
About that time, Japanese intercepts began to make references to a pending operation in which the objective was designated as "AF", but not everyone was convinced. Showers was a key witness to the history, in fact the conversation regarding the significance of "AF" between Rochefort and Cmdr. Jasper Holmes took place at his desk. Both Rochefort and Holmes knew they needed to convince Adm. Chester Nimitz and Washington that the Japanese may be targeting Midway. Both believed that "AF" signified Midway based upon his staff's earlier deductions that the "A" designators were assigned to locations in the Hawaiian Islands.
Rochefort's staff assisted in drafting a naval message, in the clear, indicating that Midway's installation's water distillation plant had suffered serious damage and that fresh water was needed. Shortly after the transmission, an intercepted Japanese intelligence report indicated that "AF" was short of water - which satisfactorily alleviated any doubt.
Due to the cryptologic achievements of Rochefort and his staff, including Showers, enabled Nimitz to know when the attack on Midway would commence. Armed with this crucial information, he was able to get his severely outgunned, but determined force in position in time.


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Small batch, handmade leather goods
The Reel Montana buckle from Whiskey Leatherworks. This buckle perfectly captures one of our favorite Montana activities, fly fishing. Each steel buckle is forged and handstamped by Nathan Kimpell, a Montana artist and metalsmith.This is a strong, heavy-duty buckle that resembles the scales on a fish. To stand up to the strength of the buckle, we paired it with a US-tanned, full-grain, 8-9 oz. natural veg-tan strap from The Herman Oak Tannery. What starts out as a clean blank canvas will soon develop a gorgeous patina highlighted by life's events. Monogramming is available for this belt, however please check our return policy for selecting this option.
Check out the handmade process behind each buckle in this VIDEO.
Find your correct Whiskey Belt size HERE.
This belt can be monogramed for an additional cost. Information on monograming can be found HERE.


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Do you ever have days where you wonder about God's personality? You don't? Oh, well, sometimes I do. There are times when I think He is so incredibly patient. So incredibly full of love. And most days I think He is absolutely, incredibly funny.
We had such an example in our basement a few weeks ago. Our construction guys had just laid the radiant heating coils in the bathroom and poured the thin set mortar. What's so funny about that?
Well, nothing.
Except for the fact that God made illiterate cats.
My kids at school have asked if we have our kids at home. When I respond "no", they have then told me that it's probably a good thing; I wouldn't want a big belly. But, when our cats are this…funny, waiting for our kids is much more manageable. 🙂


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The name of County Sheriff Mike Lewis may not have be a familiar name a week ago, but he hit national news on NBC recently for doing something different. This Wicomico County Sheriff in Maryland sees his job as a defender of the people and a defender of the Constitution and takes it seriously. Sheriff Lewis is standing up against the increasingly restrictive gun laws in Maryland. He said, " State police and highway patrol get their orders from the governor; I get my orders from the citizens in this county."
He is not alone in his actions. He joins a growing group of sheriffs across the country that have the courage to protect the citizens from unconstitutional laws. Close to 3,080 sheriffs nationwide are elected to the position of sheriff. This is in starch contrast to many state and city officials that are appointed to their positions.
According to Lewis and the people that elected him, this puts him in the best place to defend their rights protected by the second amendment. He was one of many sheriffs that testified at the the state's Firearms Safety Act in 2013. It banned over 40 types of firearms and limited magazines to 10 rounds only. When Sheriff Lewis openly opposed the bill he was showered with letters, calls, and face to face visits by people thanking him for standing up for their rights.
"I knew this was a local issue, but I also knew it had serious ramifications on the U.S. Constitution, specifically for our Second Amendment right," said Lewis, one of 24 sheriffs in the state. "It ignited fire among sheriffs throughout the state. Those in the rural areas all felt the way I did."
This doesn't stop with the state of Maryland. The sheriffs association of New York has openly objected the states SAFE ACT which restricted magazine sizes to 10. A few in the state have even said that they would not enforce the assault weapons bans. Sheriff Tony Desmond said the following:"If you have an (assault) weapon, which under the SAFE Act is considered illegal, I don't look at it as being illegal just because someone said it was".
Even Colorado made national news in 2013 when 55 sheriffs attempted to sign a lawsuit against the state with the ban on magazines of 15 or more in size. It was ruled by a federal judge that the sheriffs could not sue elected officials. Some in that group are preparing an appeal.
Sheriff Lewis in Maryland will be running for reelection this year said he will not stop pushing back on the federal governments continued attempts to violate citizens rights.
"I made a vow and a commitment that as long as I'm the sheriff of this county I will not allow the federal government to come in here and strip my law-abiding citizens of the right to bear arms," he said. "If they attempt to do that it will be an all-out civil war. Because I will stand toe-to-toe with my people."
The Sheriff does have stiff opposition. Maryland Senator Brain Frosh who sponsored the Firearms Safety Act told the news that the sheriffs understanding of sheriff's duties is flawed.
"If you are a sheriff in Maryland you must take an oath to uphold the law and the Constitution," said Frosh, now the Democratic nominee for Maryland attorney general. "… It's not up to a sheriff to decide what's constitutional and what isn't. That's what our courts are for."
We stand with the Sheriff in Maryland and all of them throughout the country who stand for the people's rights.
To help in your self defense when there are no weapons click here. (Sponsored)


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Baitcasting reels are some of the most popular reels used by modern anglers, and they are a great choice for those who want to use heavy gear or target large gamefish.
However, anglers often find it challenging to learn how to use these reels, and there is definitely a learning curve involved. But with a little practice, you'll learn how to use on like a pro and begin reaping the rewards they provide.
What Is a Baitcaster?
Baitcasting reels ( also called casting reels ) feature a revolving spool that is mounted inside a rigid frame. A button on the rear side of the frame frees the spool and allows it to spin during a cast, while a side-mounted handle allows you to retrieve line afterward.
Baitcasting rods, which feature top-mounted line guides and trigger-style handgrips, are the best rods to use with these reels.
Later, we'll explain some of the most important features and specifications to identify a good baitcasting reel, but let's begin by identifying some of the best baitcasting reels available on the market.
Baitcasting reels differ in a variety of ways, and different models are better suited for some applications than others. Accordingly, we've broken down our product recommendations into several different categories.
The 4 Top Baitcasting Reels of 2019: Outdoor Empire Reviews
These are our top recommendations for baitcasting reels of 2019:
- Best overall: Get the Shimano 200IHG Curado (read 120+ Amazon reviews)
- Best baitcasting reel for the money: Get the KastKing RXA 40-90 (read 270+ Amazon reviews)
- Best saltwater baitcaster: Get the Shimano Calcutta B (read 55+ Amazon reviews)
- Best baitcaster under $100: Get the Lew's Speed Spool SSG1SH (read 50+ Amazon reviews)
*Looking for a specific feature? Check out our quick-reference chart below:
|7.4 oz
|10.7 oz
|18.2 oz
|7 oz
|Gear Ratio
|Line Capacity
|Line Retrieve
|30 in
|not specified by manufacturer
|28 in
|31 in
|Max Drag
|not specified by manufacturer
|11 lbs
|17 lbs
|10 lbs
|Check Price
|Check Price
|Check Price
|Check Price
1. Best Overall: Shimano 200IHG Curado
The Shimano 200IHG Curado is a top-of-the-line reel, specifically designed to provide the best possible fishing experience.
Featuring a low-profile design and several high-tech solutions to common baitcasting challenges, the Shimano 200IHG Curado is easy for most anglers to operate and a joy to use.
The Curado's design includes everything you'd want in a high-end baitcasting reel. Starting with a solid, ultra-rigid Metal Hagane body, the lightweight platform consists of a one-piece set plate, a large drive and pinion gear and 6 double-shielded bearings.
You can load the Curado with more than 100 yards of fluorocarbon, monofilament or braided line, and the 7.2:1 gear ratio means you can reel in 30 inches of line with each turn of the handle. This makes the reel a perfect choice for those who love burning high-speed lures, such as:
- crankbaits
- spinnerbaits
- buzzbaits
The Curado has plenty of muscle for handling big fish, and you can dial up as much as 15 pounds of drag pressure when chasing big bass.
But unlike other beefy baitcasting reels that will tire your hands, wrists and arms, the Curado weighs in at a svelte 7.4 ounces, making it easy to use for hours at a time.
Shimano has provided the most advanced braking system available to reduce the number of backlashes and bird's nests that you experience.
They do this in part by pairing a centrifugal brake system with an external micro adjustment knob, which makes it easier to control the spool and provides more consistent brake force.
The Curado also features X-ship technology, which relies on a pinion gear that is supported from both ends, rather than many other reels, which are only supported from a single side.
This provides more torque, increased power, and it also means your reel will last longer less maintenance.
The S3D spool also deserves special mention, as it is one of the most perfectly balanced spools on the market, which will make it much easier for you to whip your lure across the lake.
To review, some of the other notable features of the Shimano Curado include:
- The enlarged drive and pinion gear
- Six double shielded bearings
- Ultra-fast 7.2:1 gear ratio
- Unique SVS braking system
- S3D spool
2. Best for the Money: KastKing RXA 40-90
Kast King takes pride in providing premium-quality reels at affordable prices, and the RXA is a perfect example of this ethos.
Featuring a traditional, round reel design, the RXA is a good-looking, high-performance reel that costs only a fraction of what comparable reels do.
The RXA is built like a tank and suitable for use in fresh or salt water. Both the side plates and spool are built with reinforced anodized aluminum, the precision-machined gears are made from brass and the worm gear and shaft are both constructed from stainless steel.
The carbon-fiber drag system offers 20 pounds of maximum drag pressure, so you can drag in the biggest bass in the pond, while the line clicker lets you keep track of how much line is in the water.
The easy-access thumb bar release, heavy-duty non-slip grips and paddle-wheel handle all ensure that you will be able to respond quickly, forcefully and with the control needed to land whatever fish is foolish enough to take your line.
Finally, the Kast King RXA features seven premium stainless-steel ball bearings to provide supremely smooth operation.
When all of these features are considered, it is easy to see that the RXA provides all of the power, performance, versatility and dependability you'd want, at a price you can afford.
To review, some of the other notable features of the Kast King RXA 40-90 include:
- Solid metal construction, featuring stainless steel, hardened aluminum and brass components
- Carbon Fiber Star drag provides up to 20 pounds of drag pressure
- Corrosion-resistant and suitable for use in freshwater or saltwater
3. Best Saltwater: Shimano Calcutta B
Baitcasting reels are usually built to be durable, but those not specifically designed for saltwater use won't last long if you take them offshore or down to your local beach.
But, the Calcutta is different; made with a cold-forged aluminum body and loaded with anti-rust bearings, the Calcutta is built to take saltwater in stride and perform admirably for years.
But the Calcutta isn't just a tough reel, it is versatile too. It features a 4.7:1 gear ratio and 28-inch retrieval rate, making it well suited for trolling, bottom fishing for using live bait closer to the surface.
The spool can hold 310 yards of 20-pound-test monofilament or 650 yards of 50-pound-test braided line, ensuring that you'll be ready for any long run or deep dive that comes your way.
But despite its robust construction, the Calcutta is surprisingly small and weighs only 18.2 ounces, making it the perfect complement for a variety of different rods.
When combined with the easy-grip paddle handles, you'll find that the Calcutta is easy to control and use, no matter how long you are on the water.
To review, some of the other notable features of the Shimano Calcutta B include:
- Cold-forged aluminum frame, side plates and spool
- Anti-rust sealed bearings
- Compact size and maximum line capacity
- Appropriate for braided, fluorocarbon or monofilament line
4. Best Baitcasting Reel Under $100: Lew's Speed Spool SSG1SH
While it is true that some of the best baitcasting reels on the market are also some of the most expensive, this doesn't mean you have to spend a ton of money to get a fantastic reel.
For example, Lew's Speed Spool SSG1SH is a very high-quality reel, which can be yours for less than $100. It is a lightweight reel that features most of the things you'd want in a quality reel, including all metal construction and high-quality ball bearings.
The Speed Spool features a single piece aluminum frame and graphite side plates, thereby providing the same kind of strength that many more expensive designs do, without the accompanying increase in cost.
The reels 10-bearing design provides smooth operation and makes it easy to cast your lures farther than before.
The Speed Spool boasts an extremely fast 7.5:1 gear ratio, making it perfect for high-speed lures and quick retrieves.
It holds up to 150 yards of 12-pound-test monofilament, and unlike a lot of heavy, bulky reels, the low-profile Speed Spool weighs only 7 ounces, making it easy to use for hours at a time.
For convenience sake, the reel features easily removed sides, to provide access to the internal components, and it is available in both right- and left-handed configurations.
- Aluminum and graphite construction is lightweight, yet strong
- High-speed 7.5:1 gear ratio
- Ten shielded ball bearings provide smooth performance
- Seven-ounce, low-profile design won't cause fatigue
Choosing Factors: Things to Think About
Because anglers exhibit varying preferences with regard to species, techniques and geography, the best baitcasting reel for one angler may not be very good at all for another. So, it is important to make sure you select the best reel for your circumstances.
To do so, be sure you always consider the following characteristics when trying to choose a baitcasting reel:
Most anglers prefer all-metal reels, with aluminum being the most desirable material. Some manufacturers have combined aluminum frames with graphite side plates and achieved an excellent combination of strength and weight.
Metal gears – particularly those comprised of brass or stainless steel — are also prized for their durability and performance.
But regardless of the material used in any reel, the end product must be tight fitting and free of gaps, which may lead to snagged or weakened lines.
Round vs. Low-Profile
Historically, baitcasting reels were round in shape, but as they became more popular with freshwater anglers, manufacturers started producing low-profile reels, which are a little lighter and nimbler than traditional, round reels are.
However, each style has advantages and disadvantages, and you'll need to consider your preferences and needs to make the best decision.
Round reels usually feature all-metal construction, which makes them a bit heavier than low-profile reels, but it also makes them more corrosion resistant and therefore better suited for saltwater applications.
Because round reels are typically bulkier than low-profile reels, they can usually hold more (and thicker) line than their low-profile counterparts can.
They are also the better choice for anglers using large lures or targeting larger, heavier species such as steelhead, salmon, muskies or pike. Catfish anglers and those who like trolling usually prefer round reels too, as they generally include a line clicker.
Low Profile
Low profile baitcasting reels are based on the same general design as round reels, except the spool is smaller and the side plates are elongated to provide a more ergonomic feel.
This design enables low-profile reels to deliver nearly the same amount of power and torque that traditional, round reels do.
Although low-profile reels are rarely capable of holding as much line as a round reel of similar size, they still hold much more line than the average spinning reel.
Additionally, the maximum appropriate line diameter for most low-profile reels will be thinner than for a comparable round reel.
Low-profile baitcasting reels are easier to cast and weigh less than comparable round reels, and you can actually fit many of the low-profile reels in your palm while fishing (called "palming"), which some anglers find provides better contact with the lure.
Although they are generally not suitable for large species, low-profile reels are excellent for catching bass, and larger panfish, such as crappies.
Bearings allow the spool on a baitcasting reel to spin, and the number of bearings is often positively correlated with the quality of the reel. Some manufacturers have loaded up their reels with as many as 10 bearings.
However, it is also important to consider the quality of the bearings, as well as the quantity.
In terms of quality, the most important thing to look for is corrosion resistance. Look for keywords including "shielded", "sealed" or "double sealed" to ensure the best level of protection, especially if you plan to fish in saltwater.
Some manufacturers even offer additional protection by applying an anti-rust coating to the bearings themselves.
Line Guides
Although you can find reels made without them, line guides are indispensable for most anglers, as they ensure the line spools in an even, non-binding fashion. Modern line guides are usually comprised of either titanium or ceramic.
Ceramic guides are more affordable and capable of providing years of problem-free operation, even when used with the most abrasive braided line. However, ceramic guides are somewhat fragile, and they can break when dropped.
Accordingly, most premium manufacturers use titanium line guides.
In the end, ceramic line guides may provide initial savings, but you'll have to replace them more quickly, leading to higher long-term costs.
Braking Systems
The braking system is one of the most important aspects of any baitcasting reel, as it will help reduce the number of tangles you experience.
Backlashes, bird's nests and tangles occur when your line unspools faster than your lure travels, or when the spool continues to spin after the lure hits the water. The braking system helps to slow the spool during a cast.
2 Types
Baitcasting reels typically come with one of two basic brake systems: centrifugal or magnetic. Both systems work by applying resistance to the spool; they just do so in different ways.
1. Centrifugal systems impart resistance by pressing pins against the spool body to create friction. To adjust the resistance, you generally need to remove a side plate and engage or disengage some of the pins on each side of the spool.
2. Magnetic brakes, by contrast, apply resistance via magnets, which means there is no contact between the surfaces. Magnetic brakes can usually be adjusted by turning a knob or dial on the outer body of the reel and do not require you to open the reel body.
Centrifugal brakes typically apply the greatest control during the initial seconds of a cast, while magnetic brakes may take a moment to engage properly.
Some manufacturers have experimented with combining both centrifugal and magnetic brakes, as well as adding fine tuning wheels for micro adjustments, but you'll pay for these types of features.
The amount of drag imparted by a reel determines the amount of pressure needed to pull line from the spool.
A poorly functioning drag may allow a hooked fish to run with too little resistance, giving him the chance to run farther you're your line will allow. Conversely, it may lock down too tightly, enabling him to snap your line with ease.
A poorly functioning drag will also make it difficult to achieve a rock-solid hookset.
Baitcasting reels are available with one of two drag systems: star drag and knob drag. These names describe the type of hardware used to adjust the drag. Star drags feature a star-shaped drag dial, while knob drags rely on a small, circular knob.
Although you can use either style you'd like, and most of the choice comes down to personal preference, it is important to understand that star drag systems are generally easier to adjust while battling a fish.
Star drag systems are also easier to manipulate with wet fingers or gloved hands.
Usually, star drag systems are used on traditional, round baitcasting reels, while low-profile reels feature knob drags, but there are exceptions in both cases.
While many anglers overlook the importance of good handles, they are always deserving of consideration when shopping for a baitcasting reel.
Most baitcasting reels utilize a paddle-wheel design, consisting of two large knobs mounted on opposite ends of a long cross brace. This design saves space and allows for easier placement in rod holders and fast operation upon removal.
The size of the paddles and the materials used in their construction will also influence their performance. Generally speaking, larger paddles made from soft, no-slip materials will provide a more secure and comfortable grip.
Handle placement is also important to consider, as many anglers prefer to use either their left or right hand when cranking.
Unlike spinning or spincasting reels, baitcasting handles are not interchangeable and cannot be switched from right to left. A right-hand model is always a right-hand model and vice versa.
You can use whichever configuration you prefer, but it is wise to try right- and left-handed models prior to making a selection.
Flipping Switch
A flipping switch allows the reel to be re-engaged immediately, even after the spool has been free. This is a particularly helpful feature for flipping jigs into vegetation or up under docks, as you won't need to crank the handle in order to set the hook.
Flipping switches are not imperative (especially if you don't flip very often), but you'll usually find they provide greater flexibility without presenting any challenges aside from a small increase in price.
An anti-reverse feature prevents the reel handle from spinning backward when a fish strikes your lure and swims off with the line.
Although many baitcasting reels designed for saltwater still feature anti-reverse mechanisms, most low-profile reels utilize a one-way bearing instead. This alleviates the need for an anti-reverse system.
Nevertheless, you'll want to be sure any reel you consider has one or the other.
Angler Concerns
To select a reel that will suit you well, perform like you expect and be fun to use, you'll want to consider a variety of factors – not just the cost of the reel.
You may find that a several-hundred-dollar model works best for you, or you may find that a bargain-basement reel suits your needs.
Beginners should select a reel that is easy to use and control, which means that a quality braking system must be a high priority. Advanced anglers, by contrast, may place more emphasis on high-quality bearings or spool capacity than braking systems.
Remember that baitcasting reels are not designed for light or ultra-light tackle. If you are looking for something to catch small panfish or plan on using lures weighing less than one-quarter ounce, you'd be better served by purchasing a spinning or spincasting reel.
Here is a video that gives an overview of the baitcaster's parts, pros and cons, also compared to a spinning reel.
Leading Baitcaster Brands
Some manufacturers who make baitcasting reels do so only to fill out their product line, but others place a special emphasis on these types of reels and produce several different models.
Four of the most popular manufacturers of baitcasting reels are profiled below so that you can understand the tendencies of various brands.
This Japanese manufacturer is known for prioritizing cutting-edge materials and technology, which often precipitate from their spinning reel lines.
With signature innovations including the Dartanium Drag, Hagane metal body and X-Ship technology, Shimano has developed some of the strongest, fastest and smoothest reels on the market.
Despite the innovations and advanced technology incorporated into Shimano's designs, a growing number of users have complained that many of the company's newer models fail to resist corrosion well.
A number of anglers, including some who used previous Shimano reels for years, explained that the bodies of low-profile models often collects salt and rust quickly if not cleaned immediately following use.
Abu Garcia
A Swedish company, Abu Garcia is a leader in both traditional round reels, such as their signature Ambassadeur series, and low-profile designs. Both are available in a wide range of sizes and price points, enabling you to find one that will fit just about any budget.
Abu Garcia typically uses lightweight materials, high bearing counts and corrosion resistant components, which makes their reels excellent choices for both fresh and saltwater use.
Most users love the wide range of options available from Abu Garcia. Higher end models, which are typically still very competitively priced, enjoy a loyal following.
But more economically priced models often receive complaints regarding the quality of their components, especially the metals used for the gears.
Founder Lew Childre was a lifelong angler, who turned his passion into a profession by building handmade bamboo rods and later adding reels to his line. He is even credited with developing the pistol grip now common on almost every baitcasting rod.
His company primarily produces low-profile reels — a style which he is credited with introducing. The small number of round reels the company offers are smaller in size than many competitors and intended for targeting smaller freshwater species.
Lew's reels are known for their high-speed gear ratios and sleek, compact designs. Unfortunately, these features come at a price, and even their budget models are more expensive than many competitors' premium offerings.
Left-handed anglers will find the selection limited, with only a few models from which to choose.
Another Japanese company, Daiwa produces a wide range of fishing equipment including several popular baitcasting reels. Their reels have a well-deserved reputation for being both affordable and well-engineered.
Although their main target audience is the economic-minded, casual angler they also produce several premium models that feature high-speed gear ratios.
Most anglers find the Daiwas well-suited for both fresh and saltwater applications, although some models do not have the level of anti-corrosion protection needed for long-term salt use.
Many anglers find that Daiwa baitcasting reels often perform comparably to much more expensive options, although Daiwas rarely last quite as long.
Final Thoughts
As you can see, there are a number of things to consider when selecting a new baitcasting reel. But don't let yourself become overwhelmed – just try to focus on selecting the best reel for your particular fishing needs.
Do this, and you're sure to enjoy your next new reel for years to come.


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On Monday the 18th of September, LAiS* received a message to say that a lady's daughter had 2 bunnies that unfortunately had gone missing.
Thankfully, we had another message on Thursday the 21st to say that the bunnies had been reunited with their owner!
We love a bit of happy news! 🙂


text: There is a one-day course Skills for supporting learners, on 26th June 2008 held at Glasgow Metropolitan College, Scotland. The course is being led by Derek Goldman and will cover topics such as: how individuals learn; Motivating learners and understanding their needs; Exploring methods for supporting learners; Planning and organizing a learning episode; How to provide feedback. Cost is £65 to CILIP Scotland members; £100 to non-members. More info on the events section on http://www.slainte.org.uk/Photo by Sheila Webber: Glasgow University, May 2008


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"Grief is neither a disorder nor a healing process; it is a sign of health itself, a whole and natural gesture of love. Nor must we see grief as a step toward something better. No matter how much it hurts—and it may be the greatest pain in life—grief can be an end in itself, a pure expression of love." ~Gerald May It has been a longer break than anticipated; Life has shown us again how unpredictable it can be. A few weeks ago, my nephew passed away unexpectedly. He was a young man, struggling through life with so many talents and gifts. He suffered the cruelty of our conformist culture and the pain too many suffer from the systematic exclusion of what is deemed "different". He was smart, inquisitive, caring, tender, and so very special to all of us. I have taken time to grieve and honestly, whether my house …Read more
For the soul
After a long hiatus…
"If we learn to open our hearts, anyone, including the people who drive us crazy, can be our teacher." ― Pema Chödrön It has been a long time since my last post. This is due partly to what life sent us over the past months and my pondering whether to continue the blog. One of the main reason for debating the survival of the blog was the incredible amount of work spam creates, fake users, and abuse of every kind which unfortunately in now common place in cyberspace but impedes the progress and leaves a sour taste in your mouth on some days. The advent of internet has opened so many doors but the problem of security, unscrupulous people have unfortunately also made it much less user friendly than it should be. For our schooling, it has opened a world of possibilities, connection with other like-minded people but the anonymity has facilitated the work …Read more
Global Healing Meditation for Japan
Where there is love there is life. Gandhi (1869 – 1948) It has been hard to find the desire or inspiration to write the past week. The pictures from Japan, the incredible pain and suffering the Japanese people have had to endure are heartbreaking. I strongly believe in the power of prayer, no matter what its form. As we all help in any material and physical way we can, praying for them, sending them healing energy to support them emotionally will also mean and help a lot. The Deepak Chopra Center scheduled a Live Global Healing Meditation Monday, March 21 at 8:30 p.m. (EDT). These global meditations are an incredibly powerful experience, and I believe they do help to support those we keep in our hearts. Join if you can, I know the time is not the easiest for those overseas. Namaste
Information overload…
But it is vital to remember that information – in the sense of raw data – is not knowledge; that knowledge is not wisdom; and that wisdom is not foresight. But information is the first essential step to all of these. Arthur Clarke I have been ruminating this one for weeks, months… What happens to all the hours in the day? Why can it take so much longer to complete some projects? I have tacking how my days are spent, and I was surprised at how much time is spent sifting through information. There are emails, newspapers, phone interruptions, books, research results on specific projects, etc. I have an analytical mind, maybe a slight tendency to perfectionism, and especially a curious mind which generates a lot of questions, ideas. This leads to an accumulation of articles, links, books, etc. The amount of available information seems to have multiplied beyond our …Read more


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With so much more than just your rent or mortgage payments to consider, it can be easy to become overwhelmed with bills and feel like you are working so hard for nothing.
We all need that little extra to enjoy life and be sure that we're not forgetting to look after ourselves and our family.
We thought it would be useful if we gathered some information on people's outgoings so that you could get a realistic figure as to how much you can afford to go out every month.
The first thing you need to is budget.
Write down everything that comes in and out of your bank. Include groceries, quick trips to the shop and petrol.
You can start to see where the majority of your money goes by writing everything down and it makes it easier for you to budget. Can you be shopping at a cheaper super market or getting cheaper fuel?
Make sure you always round up with your estimates so that you're budgeting above. This way you may save a little extra every month too.
Now tally up everything that you pay out monthly and see if you can get it cheaper.
Gas and Electricity-
Do you know you provides your gas and electricity? A lot of us don't consider changing our provider, but it could be a lot cheaper for you. If you live in a more energy efficient property, then your bills are going to be cheaper. Find out how you could be saving by reading How Going Green Can Save You Money.
You might want to consider swapping to a meter rather than paying a flat monthly rate. If there are only a few of you living in one house, you will use a lot less water than a larger family. This also allows you to save little bits each month if you use less.
Council Tax-
Depending on your property type, you are required to pay a certain amount every month to the government. This depends on the size of the property or the amount of bedrooms. You can calculate your council tax charge online by entering your address to find out what property type you live in.
You can't avoid the amount of broadband deals there are out there. You have to figure out which one is best for you. You would be surprised at the discount you can get by speaking to the provider themselves and striking a deal.
In some instances you may not be able to swap your broadband provider because of where you live. Some blocks of flats make deals with certain providers to ensure they all use the same company. If this is the case you can request special deals and get a cheaper rate.
A lot of the time your television package and broadband come hand in hand. This can work out cheaper than going with separate providers. A lot of companies will be happy to give you discount if you are willing to sign up for both TV and Broadband.
Don't forget to include the cost of your TV license too. If you don't watch much television, you might just want to stick with regular Freeview and save a bit.
As you know you can get insurance for almost anything. Be sure you're getting the best property insurance deals by comparing our range of insurers.
If you're a tenant, you will only need to budget for your contents insurance, homeowners will need Home Insurance, and Landlords can get specialist policies to cover Legal Expenses and Rent Guarantee as well as covering their properties fixtures and fittings.
Use comparison websites to get the cheapest deals. Remember to include your pet insurance and car insurance too.
If you're renting, you may have to pay a service charge for the general upkeep of the property and gardens. If you're confused about the responsibility in your rented property, you can read Who is Responsible for Garden Upkeep.
One commonly overlooked expenditure can be your travel expenses. Calculate how much you're spending each month on fuel or public transport and figure out what is the cheapest way for you to travel.
Don't miss out any personal direct debits you may have leaving your bank every month. Always try and look for something cheaper or go out of your way to speak to any providers and you may be surprised at how much you can save.
By saving a few pounds each month you automatically allowed yourself some extra freedom when it comes to doing things with the family. You now have a little extra for a holiday or to have trips out on the weekends.
We're always giving you helpful advice on saving money and getting the correct property insurance. You can keep up with all of our updates by following UKinsuranceNET on Facebook and Twitter.