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Prune them out and immerse the galls in water to drown the lavae of the wasp, is the latest method advocated by Kaye Roberts Palmer of Melbourne's Save our Citrus Campaign Group, to actually kill the lavae by drowning.
Kaye Roberts Palmer and Kylie Johnston, of the Save Our Citrus Campaign are calling on all of us this, to check our lemon, orange, lime and other citrus trees this first weekend of September, coinciding with Father's Day, for citrus gall wasp, which is fatal to citrus trees if left unchecked. This weekend is the last opportunity to act before this year's lavae hatch, with the onset of warmer weather.
They suggest buying dad a pair of secateurs for Father's Day for the purpose.
If dad is not into gardening, or not around, simply get out your favourite secateurs and loppers and go for it. Citrus should be pruned and opened up to a nice vase shape, with good airflow and kept to a height for easy picking. In any case, they love nothing better than a good prune, this time of the year and will flourish as a result.
Citrus have shallow roots and are heavy feeders, so now is also the time to dress your citrus with a good layer of aged cow manure, lots of lovely compost and a dose of iron chelates if their leaves are on the yellow side, indicating iron deficiency.
Absolutely all gall wasps should be cut from your tree, no matter how drastic this seems.
From my own experience in Pascoe Vale, I once had to reduce my Eureka Lemon to a mere skeleton of main branches. Everyone else expected my lemon to die, except me. Lemons are vigourous growers, when in good health and several months later my lemon had shot on and was looking as glorious as ever.
In areas where citrus grow in every backyard, trees with gall wasp left unchecked have the potential to infest the entire neighbourhood, as the tiny lavae are readily blown across a wide area on the wind.
It's up to all of us to work to erradicate this nasty and potentially fatal citrus pest from our citrus trees!
For photos of the citrus galls and lavae and more information about the Save Our Citrus Campaign, follow this link.


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subset: commoncrawl


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Michael Pollan was the keynote speaker at the Georgia Organics Conference March 21, 2009. The event was held at Agnes Scott College. He addressed the audience after they enjoyed a farmers feast (made from local food) about his thoughts on the "state of the movement." The address is available for viewing in its entirety or in separate parts.
(Meredith Darlington/MNN)
Michael Pollan: Components of the address
Michael Pollan: Energy and climate change
Michael Pollan: Healthcare crisis
Michael Pollan: A history of food policy
Michael Pollan: Food reform framework
Michael Pollan: How did we get to his point?
Michael Pollan: The problem with monocultures
Michael Pollan: Polycultures: A step in the right direction
Michael Pollan: Get animals back on farms
Michael Pollan: Not enough farmers
Michael Pollan: Decentralizing food
Michael Pollan: Local economies
Michael Pollan: The food culture
Michael: We need also to solarize our farming and to get animals back on farms -- [applause] -- and out of confinement. Why? Well, we need to close the nutrient cycles. We need to, you know, we need to turn their waste back into the blessing of fertility. Right now, it is a pollutant. You know, the great Wendell Barry quote, you know, he said, "When we put animals on feedlots, we took a solution, which was animals fertilizing the soil and dealing with crop waste, we took that brilliant solution and neatly divided it into two problems: a fertility shortage on the farm and a pollution problem on the feedlot." Well, we have to go back to the solution that predated those problems. And how do you do that? Well, you have to remove the government's artificial support of feedlot agriculture. Feedlot agriculture -- [applause] -- feedlot agriculture is not efficient. Feedlot agriculture only survives because it stands on a tripod, three legs that are essentially provided by our government. One, of course, is subsidized grain, which gives them such a competitive advantage over farmers that it's cheaper for a feedlot to feed, to finish cattle, than it is for a farmer to grow feed if he's feeding grains. The other -- the second leg is antibiotics. We allow these feedlots to squander important human antibiotics and they could not go on if those antibiotics were forbidden. So, that is an enormous public cost that's formed by feedlots. And the third is, we don't regulate them. You know, we have these clean water and clean air acts, but we do not enforce them on feedlots. The laws are on the books. We need only to persuade our government to start enforcing them, to basically regulate these factories as the factories they are and stop pretending that they are farms.
So, those are the three legs you need to remove. And then the economics of putting animals back on farms, closing that nutrient cycle, taking better advantage of the sun feeding the grass, and the grass feeding the animals, and the animals feeding the grass and feeding us, all becomes possible again.


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Choose a format
Hard Copy
Online Access
Course Description
Americans who want to be their own boss are not entirely on their own. Uncle Sam is there to help, as well as make demands. The nation's tax laws are intended to encourage new businesses and are chock-full of incentives and tax breaks (as well as sometimes onerous reporting requirements). This course is a fast-paced and entertaining guide through tax issues affecting business entities and their owners. The material focuses on tax devices and techniques available to the small-business owner, emphasizing operational deductions, fringe benefits, compensation, family income splitting, retirement plans, and estate planning.
Learning Objectives
Upon successful completion of this course, participants will be able to:
Chapter 1
- Cite the characteristics, requirements, and tax treatment of sole proprietorships, partnerships, and corporations including the best organizational format for new and existing businesses
- Identify how choice of entity relates to the type of records to keep
- Specify the characteristics and requirements of available accounting periods and methods, and the methods for identifying and valuing inventory items
Chapter 2
- Identify the various types of income and their tax and reporting implications
- Specify the existing basic business and investment tax credits, noting their tax requirements and business asset types
- Identify the tax treatment of the disposition of business assets
Chapter 3
- Identify the elements and requirements of deducting and substantiating business expenses and costs contained in §162
- Identify the components and requirements of conditional sales contracts, leveraged leases, and true leases
- Cite the various forms of interest expense under §163(a), related reporting and filing requirements, and the distinctions between deductible and nondeductible interest
- Identify the deductions, reporting requirements, and tax treatment for real estate, state and local taxes, home office use, research and experimentation costs, barrier removal, and mine development
- Identify the various forms of tax treatment under the concepts of depreciation and amortization, including the effect on amortization of §197
- Differentiate between the concepts of cost depletion and percentage depletion as a means of accounting for the reduction of a product's reserves
- Specify the types of bad debt, their effect on accounting, and the various methods for dealing with bad debt
Chapter 4
- Specify the common-law rules used by the IRS to determine whether a person is an employee for purposes of FICA, FUTA, and federal income tax withholding, and determine the tax consequences
- Identify the tests for wages to be deductible, the requirements for various employer provided fringe benefits, and how excluded fringe benefits can result in more employer deductions and incentive-based compensation to employees
- Cite characteristics, use, and tax consequences of deferred compensation agreements and the basic types of nonqualified deferred compensation
Chapter 5
- Identify the apportionment of business and personal use of an automobile including deduction limitations and the characteristics of the various depreciation methods
- Identify the requirements, advantages, and disadvantages of personal auto leasing
- Cite the characteristics and limitations of the standard mileage method
- Identify the impact of various working condition fringe benefits, including their impact on the gross income of employees
- Identify the valuation methods used in determining the actual value of an employee's personal use of an automobile
Chapter 6
- Identify important aspects related to travel and entertainment expenses
- Cite the factors associated with the business purpose requirement and how they determine deductible expenses for meals and entertainment
- Identify the federal per diem rate from any one of several methods
Chapter 7
- Identify the requirements, limitations, and characteristics of qualified retirement plans
- Differentiate between defined contribution and defined benefit plans
- Compare and contrast Keogh plans, traditional and Roth IRAs, and SIMPLE 401(k) plans
Chapter 8
- Identify the benefits and requirements of varying types of insurance
- Cite the requirements and rules for insurance premium deductions, interest disallowance, and uniform capitalization
Chapter 9
- Cite the important aspects of general estate planning
- Identify the primary dispositive plans, their characteristics, key issues, and tax treatment
- Cite the implications of important revenue rulings
- List useful estate planning tools
Choose Your Preferred Format
Online Access
Get immediate access to a robust collection of learning and reference materials, allowing you to dive deep into the information you need. Our self-study materials are authored by top-quality, industry experts who focus on helping you grasp concepts quickly using real-life examples. Download your CPE to any device, and take it with you so you can learn when and wherever you want. Complete your CPE with an online exam, and enjoy instant grading with the option to print your certificate immediately upon passing.
Hard Copy
Our self-study materials are authored by top-quality, industry experts. You'll receive a bound notebook of all the course materials, shipped to you within one business day. In addition, you'll also have full online access. Each self-study package includes a robust collection of learning and reference materials to help you cover the information efficiently and put it into practice immediately.
Self-Study Video
Experience high-quality instruction with our Self-Study Videos, available to you 24/7. With more than 80+ videos currently in the Western CPE Self-Study Video library, you can see and hear our expert instructors deliver the information you need in a dynamic way that allows you to immediately apply your learning. Unlike a live course or webcast, you can complete the course on your own time, playing and pausing as needed. Self-Study Videos allow you to complete your CPE requirements on your own time.
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text: HomeCheck it outVideo: 2018 Enduro Cup – Moab Highlights Video: 2018 Enduro Cup – Moab Highlights Check it out News Videos May 9, 2018 mtsports2 1998 0 Share it ! That's a wrap for Stop 1 of the 2018 SCOTT Enduro Cup presented by Vittoria! We caught up with some of the top finishers to hear what they thought about their race day in Moab. Click HERE for recap and results Click HERE for photo selects. Sign up for Round 2, HERE.


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As an Auto Sales Representative you will interact and consult with customers to guide them through their vehicle purchase. Your goal is to create the best vehicle-buying experience to make lifelong customers. You will assist customers in selecting the right vehicle for their lifestyle. You will be trained on the specific products we offer and their benefit to our customer.
- Present vehicle attributes, model options, features, purchase and finance options and store policies and services to customers.
- Facilitate customer test drives.
- Ensure timely follow up and maintain strong relationships with previous and prospective customers.
- Track customers using store specific management system/s.
- Keep abreast of new products, features and accessories. Attend product and training courses.
- Build and maintain current sales pricing and manufacturer promotions.
- Prepare vehicles for customer pickup.
- Maintain appearance and cleanliness of store showroom and vehicle lot.
- Ensure customers understand the vehicle's operating features and warranty.


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The Bridgeport Fire Department has been cited for five serious safety violations in connection with a fire last summer that killed two firefighters, the Connecticut Post reports.
The July 24 fire resulted in the deaths of Lt. Steven Velasquez and firefighter Michael Baik.
Documents posted on the Post's Web site indicate that state officials determined the department did not perform tests on firefighters' breathing gas tanks, failed to conduct medical evaluations and ensure firefighters were fit, did not make sure all firefighters wore breathing equipment inside the burning building and failed to follow "mayday" procedures.
"We take this report extremely seriously and have responded accordingly," Mayor Bill Finch said. "These particular violations are still under investigation by the State Fire Marshal. Until this report is complete, it would be premature to speculate on the role that these violations might have played in this incident."
Each citation carries a $1,000 penalty. The fire department has 15 days to contest them.
"Our thoughts and prayers remain focused on the families of these brave firefighters and we must continue to be vigilant and work as aggressively as possible to ensure that a tragedy of this nature never occurs again in Bridgeport."


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HAPI is a full service branding firm. We help brands become happier with their advertising results. Our services include digital and traditional advertising, design, brand strategy, website development and media buying. Welcome!
While most of us will be out shopping to fulfill our long holiday food lists, 1000s of Arizona families will be struggling to put even simple meals on the table.
HAPI's Holiday Food Drive Campaign for 3TV and Fry's Food Stores reminds us of our good fortune, and that there are families out there who could use our help.
The food drive campaign consists of store signage and digital billboards, and drives awareness for the countless Arizona families on the verge of going hungry this holiday season.
As we fill our shopping carts this holiday, maybe we can help others fill theirs too. When you shop Fry's during the next month, please consider a small donation of food or money. You will feel much fuller inside because of it. Happy Holidays!


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Located to the southern end of Hainan island, surrounded by the Southern China sea, Sanya is a tropical paradise set between blue sky and sea. The Resort is the perfect location for all your corporate events in stunning surroundings.
- The 'Hawaii of Orient' for all your corporate events
- The Resort is open all year round with a tropical climate
- 7 meeting rooms (for up to 600 delegates) within the Resort
- A wide range of team building or incentive activities* available
- The price includes: accommodation, full-board, bar & snacks, group lessons in sailing, windsurfing, flying trapeze,archery, fitness, hiking, and mountain biking
- Free access to the swimming pool, fitness room, kayaking, sauna, and hammam
- A la carte*: resort transfers, Club Med Spa by COMFORT ZONE Packages, jet ski, scuba diving, kitesurfing, and excursions
*At extra cost


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5 PPC Predictions that Make Your Conversions Skyrocket
"Set your goals!"
That's what you hear from every business Advertising online guru when you start talking about PPC advertising.
However, as many, you might just be overestimating your abilities in a one-year time period, and then be underestimating them in the long run because you just decide to give up.
Well that's easy to answer; You give up! You don't hit that yearly sales goal and you certainly don't get that ten year sales growth you'd like.
What's happening? Well, many might say it is procrastination – or Akrasia (the state of acting against your better judgement), that interferes with attaining your yearly Business Advertising Online goals.
But I don't think procrastination is what keeps an entrepreneur from making those great sales goals. Nope! It's actually a lack of information or knowledge.
What are you talking about?
I'm sorry but I just have to say this. Despite the statistics, business owners still don't understand that Pay per Click Advertising and business online marketing methods can get the results they want. "
There is success in your business future! Just visualize it and reach out!
There really is a lot you can accomplish in just a year when working with Business Advertising Online, and it all starts when you implement an effective PPC plan.
Why Should Pay per Click be My Business Advertising Online Choice?
This has been an ever changing year in the industry of paid search advertising. There are many different changes, upgrades and new features that really make a difference. Yes, PPC is the way to go this year, and the recent innovations, changes and updates that will occur this year, make PPC advertising even more exciting and something you really need to consider budgeting for your yearly marketing plan.
How Can the New PPC Updates and Changes Help My Website?
PPC gets you on a first page of the search engines, and fast! It is the place where audiences can find your website, click on the link and get to your products. PPC has always been effective, but, certainly, this year, it will be even better because new innovations are in the works, and these will give audiences more interaction, more pleasure and keep the advertisers products in the buyers sight more frequently.
So What Are These Changes?
The following 5 predictions for paid search are astounding. In reading these future changes you'll understand how PPC can be a real asset to your business.
- The New Experience-Based PPC
Ok, so when you go shopping for a new vehicle you probably wouldn't dream of buying one without going for a test drive. You wouldn't buy a new outfit without trying it on either. This is the act of experiencing a product
In 2015, Google apps found that a majority of the apps in the Google store were only used once after installation. Still worse was that 1 in 4 apps have never been used in the app store. This led to the creation of the virtual machines on the Cloud platform which allows potential customers to try out an app for 60 seconds before they need or make a decision to purchase.
This has led to an idea for those in the PPC division. The concept allows users to have a visual feel for what a product can do before making a product. To make it simple, it will work similar to a product demo. So advertisements will be interactive, and advertisers will be able to showcase their various products via galleries.
2016 will be the year we witness interactive ads that make users feel like they are interacting with an actual product.
- Better Look-Alike Audience Interaction
Google defines a Look-Alike audience as one that indicates a genuine interest in the topic that represents your business. This is a feature made popular by Facebook, but now being adopted by Google.
The look-alike audience is a group or groups of people that are interested in your brand. During the next year we can expect to see a closer relevance and affinity with the look-alike audiences, and this should help improve conversions.
- More interactivity for Shopping Campaigns
In the last year Google has made advertisements more interactive. Just a few months ago Google introduced ads that allow mobile users to see more information on a product. This includes ratings and availability in nearby stores. In 2016 business owners will want to take advantage of PPC as this trend will expand even further, allowing for features such as rotating images and others that will create more user engagement.
- Increased Branding Options
Businesses can no longer rely on organic search engine results alone. Paid searches outrank organic searches and are more likely to be clicked on by audiences because they are located higher up on the search engine directory page.
- Improved Personal Targeting
Last year SEO gurus predicted in-depth personal targeting, and while there is still much work to be done here, for 2016 platforms like Google Adwords and Bing Ads will use more personal targeting for advertisements.
Final Thoughts
The future of Pay per Click Advertising looks very bright. In way, we can say that just about anything could happen. It is a blend of predictions and surprise that will bring the best service. I'm sure after trying some of the PPC advertising you'll agree that the new PPC features add lots of pleasant surprises, and in the end increase conversions more effectively.


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My Culinary Souvenirs
Rest assured that I will never be sporting a tank top with CABO emblazoned on the front. Nor will I wear a straw hat with a band around it announcing Puerto Vallarta. My holiday souvenirs lie in the open air food markets of Mexico and this trip was no different. Constantly being on the road for a month was my only deterrent for bring back much more. I once brought back 10 kilos of sea salt one beach holiday, but what I found this time was enough to keep me, my friends and this blog sated until the next trip south.
Below, clockwise, we have: the smoked chile pasilla de Oaxaca, a bag of toasted ground- by hand on a volcanic stone metate- black beans (just add water for a taste you cannot believe). Two bags of chintestle, a paste from those luscious smoked chiles along with garlic and salt. And Mexican sea salt from Salinas purchased in the Puerto Escondido market.
The smoky chintestle is used for salsas and marinades, and is sometimes known as pilgrim's paste, something that can be taken travelling and spread on a tortilla for savoury sustenance. The restaurant Los Danzantes in Oaxaca was serving it in a pasta dish with mushrooms and tomatoes. That was a bit of a revelation and I've made it a couple of times since with success. A little goes a long way and these two bags will probably last me around 6 months.
The toasted ground black beans are from Teotitlan del Valle and is a breakfast staple, mixed with water and spread on a fresh tlayuda, like the way one would spread butter on toast.
From the market in Papantla, Veracruz, a bag of chilie pequin, a fiery little bugger. Don't they look just like rice krispies?
Presenting the chilie Tuxta from Puerto Escondido, looking very much like a little dried strawberry.
Next on the runway are chilie guajillos from the Sonora market in Mexico City. Really good ones: good size, pliable and fragrant.
After a wonderful lunch in Xico, Veracruzwhere I enjoyed a bean dish flavoured with avocado leaves, I found a vendor in Xalapa who sold bags of the ground avocado leaves for 5 pesos a bag. Its anisey aroma is intoxicating, and I found myself sniffing the bag numerous times before packing it away.
Found in one of the Xalapa mercados, the prize of this trip was penca, the outermost layer of the maguey leaf (or century plant). Sometimes known as mixiotes, it's similar to parchment paper in thickness and consistency and serves as a cooking bag for chilie-marinated meat and poultry.
I'm saying I'm sorry right here and now because the product has been deemed illegal to harvest. I will never buy them again – actually I have never seen them for sale before, ever, I swear – and I promise I will treat it with the utmost respect when I use it.


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At King's there are people who have come along and are very happy to just stay in our 'crowd' and not become members – from time to time we will challenge them to take a further step in. We have a booklet we give to new people which tells them about our philosophy and includes a diagram which shows the sort of process that people go through. So if someone's not a Christian or they're 'backslidden', we will encourage them to go to Alpha.
There are mid-week groups to join. They can become involved with a particular ministry and begin to serve quite quickly or they can join a 'life course' which could be the Marriage Course or a Parenting Course or our finance seminar – all of which happen on an annual basis. We also run Freedom in Christ which has a more pastoral approach and is for those dealing with life issues and the consequences of the past. Each of these provides the opportunity for further involvement in church life.
This means that at any given point it should be possible to tell you where every new person is in their journey – all from the data gathered from each 'Like to Know More' form that has been completed and given in and our follow-up of those individuals. It could say this person is involved in Alpha. That person is on Freedom in Christ. This person has joined a mid-week group - and it would be possible to go through our list in this way. This person's left. This person's going to another church. I can tell you that because we follow them up regularly - it's not just a 'one off' phone call. We actually stick with that person until we consider they are 'in' and connected and they're established in a mid-week group or they're part of a ministry.


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We all know them and they get their sickly corrupted fingers into everything. I just want to know why? What is it about expressing hate that makes people feel so good? I touched on this earlier, but never explored why people go out of their way to do something spiteful and generally not fun.
They troll forums for every game and even play the games themselves. Life tip, if something makes you really mad and feel miserable then you probably should just leave it be and move on. My personal favorite hate flavor is people who go out of their way to express hate over video games or what they think these video demons are doing to us. Thanks to those people for wasting their time on something they don't even like. It also happens to be very prevalent to today's world where unrestricted creation of video games is on the chopping block.
Most hate comes from ignorance, at least I believe it does. However if you think about it, usually people judge things before they understand them and these preconceived notions are usually bad. A lot of people are bashing on motion controls because they aren't real. Well yes, they are simulations, we known that…thanks. Then there is the other crowd that doesn't like motion controls because they aren't real enough, you too can silence yourselves because I don't want a work out when I go to play a game. The day that how high I can jump in a game directly reflects in my character is the day I quit gaming.
Gaming is an escape. I personally want to immerse myself in another world or alternate reality where I do thing's I cannot in real life. Yes gamers understand that it is not real life and that we are engaging in a pass time activity.
A lot of people would say that gaming is a waste of time and that they do real things instead of pretend. That's great for you, because all we do is sit in dark damp basements and click away. We don't don't go out into the sunlight and we definitely do not have friends.
Okay so those people might be right, but common being a space marine fighting hordes of xenophobic aliens to protect earth from destruction is totally overrated in real life. So is fighting in WWII, I mean could totally step outside and catch the next boat to France and be a part of D-Day. Not to mention the princess of Canada was just stolen by a turtle who breaths fire and sports a spiky shell, I will get to rescuing her some other time though, right now I need to start up the Apache helicopter I park in my backyard and fly to school.
These are just a few of the things I can do in real life, not to mention that time I was a super hero for a week ,so I guess I don't need video games.
Except I can't. Some of these things are limited by the time I was born others by those darned laws of physics and the harsh bite of reality. Games help to simulate events that we cannot do for what ever reason.
In some cases they simulate event's we can do. Racing games and Rockband are great examples of this. While pretty much anyone can race, getting your racing license and a car that your willing to race can be expensive. Not to mention that pesky little thing known as gas, which is getting pricey and bad (for the planet) to burn for entertainment. Okay so if I really love racing it might be worth it, but I don't so I settle for a $30 game that lets me simulate a race. Not to mention it's way more fun because I can't get hurt so I do crazy stuff that I would never do in real life.
Then there's Rockband. Okay so playing guitar can be a lot of fun and a great thing to have at a party, I wont argue that. However I really don't care enough about guitars to A) buy one and B) learn to play it. I had one in high school and I played but it wasn't a priority so I sold it and moved on. Now Rockband comes along, its fun and addictive, of course I'm going to play it. Does this mean I'm skipping out on reality? No, it means I don't care enough about music or guitars to learn to play a real one. I know plenty of people who are both skilled guitarists and Rockband players, they obviously love music more than I do.
I know marines that play Call of Duty. I'm an avid martial artist and I love to play fighting games. Games are not replacing reality, we can all calm down, they just create a place were reality can chill out.
What are you scared of haters? Get off your high horses and crawl back to the hole from whence you came because your not making sense to anyone but yourself.


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Peter Hoare at the Enescu Festival
On 20th September Peter Hoare sings the role of Faust in a concert performance of La Damnation de Faust at the George Enescu International Festival 2017. John Nelson conducts the George Enescu Philharmonic for a performance which will be live streamed from the Grand Palace, Bucharest. Peter jumped in last minute to join a cast that includes Clémentine Margaine as Marguerite, Nicolas Testé as Méphistophélès and Șerban Vasile as Brander. Peter has previously sung the role in a production at English National Opera directed by Terry Gillian and with John Nelson and the Royal Liverpool Philharmonic Orchestra.
Following his performance in Romania, Peter sings Šapkin in the iconic Patrice Chéreau production of From the House of the Dead at the Opéra national de Paris, as well as returning to the Royal Opera House, Covent Garden to sing Mortimer in the world premiere of George Benjamin's Lessons in Love and Violence.


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Small businesses form the backbone of global economy, they are the growth drivers that decide the fate of an economy. They offer employment to a large section of the population and offer a platform for many talented individuals to launch their corporate careers. Any country with a robust SME and MSME sector is able to ward off economic recession for a longer period.
Importance of Small Business Loans
As is the case with any business, small businesses face paucity of funds from time to time. Small businesses need constant flow of funds to not only sustain their daily operations but also ensure growth in the long run.
If you are a small business owner or a start-up entrepreneur, you could also relate to this fact. You have only a limited capital to fund your operations and need to seek finance from banks and non-banking financial corporations to fuel your growth aspirations through small business loans. In order to help small business owners like you, many financial institutions offer various types of funding options such as CC Limit, Working Capital Term Loan, OD Limit etc. from which you can select the one that best suits your purpose and then apply for the same.
But before you decide to apply for a small business loan, you have to consider many aspects related to the same. Because once you have availed a particular type of an SMEloan from a lender, you will have to live with it for a considerable duration and if you err in selecting the right option it could have catastrophic implications for your business.
Various Types of Small Business Loans
Once you have decided that you need to apply for a small business loan, you must understand there are various types of loans and financing options extended by financial institutions. You need to know what kind of funding you require and for what purpose. The list below will help you ascertain your requirements: –
- Working Capital Term Loan: – This facility is offered by most financial institutions and would help you manage your daily expenditures while you are scaling up the volume of your business. As revenues take some time to be realized, these loans help you meet your expenses till you realise your account receivables.
- Machinery Term Loan: – These loans are offered by financial institutions to facilitate the purchase of fixed assets such as machinery and equipment for upgradation of business operations. Through these loans, you can purchase the machinery and repay in monthly instalments. There is no need to block a massive chunk of your working capital in a fixed asset.
- The line of Credit/CC Limit: –This facility is also available from many lenders, wherein you are provided with a line of credit of a fixed amount, from which you can withdraw money as per your requirements. You need to pay only the interest on the amount utilised and can repay the principal as per your convenience or towards the end of the tenor.
- Overdraft Limit: – This is a short-term loan which ensures that any cheques issued by you for your business purpose are honoured even if there is insufficient balance in your account. This way your reputation in the market stays intact and you can conduct business smoothly. As soon as there is sufficient balance in the account, the overdraft limit is adjusted.
- Professional Loans: – These loans are meant for professionals such as Doctor, CA, and Lawyers etc. who need money to expand and establish their practice.
How to Select the Right Small Business Loan?
Selecting the right type of small business loan is essential to ensure that you are able to realise all the goals which you had in mind while applying for the said loan. For this, you need to consider a lot of facts and only then proceed ahead with your application.
Here is a guide to help you select the perfect source of finance for your business requirements: –
- Identify the purpose of the Loan
Before even starting the loan application process, you must understand what is the purpose for which you need the small business loan. Most financial institutions offer a variety of funding options and each funding option is suitable for a particular use only. So, you need to be specific about the usage of the money that are going to borrow and make sure that you use the money for the said purpose only.
- Identify the amount you need
Once you have identified the purpose of the loan, now you must analyse the amount you need. You need to remember that the loan you are taking carries an interest liability, so you should only borrow so much as you really need for your business. Borrowed money is not for squandering. You need to sit down with your finance team and derive an estimate of your requirements.
- Identify the duration for which you need the loan
Once you have decided the amount you need, you must now analyse the duration for which you need the loan. As a loan is a borrowed source of funding, you are paying interest on it. So, take the loan for only the duration that you need – the earlier you repay the loan, the less would be the interest outflow. If you unnecessarily stretch the duration of the loan just to lower the EMI burden, remember you will end up paying much more. You must try to repay the loan as soon as possible.
- Identify the Interest Rates you can afford
You need to remember that interest outflows will be forming a big part of your monthly outlays. So, you need to define the maximum extent of interest that you can afford to pay based on your projected cashflows and the interest rate being offered by the financial institution. Being greedy and going for a higher loan amount without planning for the interest outflows can have serious repercussions for your business. So, only accept that offer which carries a periodic interest outlay that you can honour comfortably; do not burden your finances unnecessarily. Also, negotiate hard with the lender to get the best interest rates.
- Charges and Penalties
You need to also consider the various charges and penalties that are included in the loan agreement. So before signing the loan agreement carefully look at these aspects. Many lenders have built-in stringent clauses and impose hefty penalties and additional charges if you fail to honour any deadline. This can translate into a significant economic burden for your company, so pay close attention to it and negotiate for relaxation of terms and conditions.
- Urgency of requirement
Various small business loan types have different processing times, so you need to analyse the urgency of the requirement and work closely with the financial institutions to speed up the process accordingly.
Keep pressing your financial institution to process the application quickly, obtain the list of documents necessary and keep them ready beforehand so that you can provide these documents as soon as they are asked for and if needed, visit the financers every other day to ask them to hasten the process. Note that each day of delay in the processing of the loan application by the financing company translatess into a loss of market opportunity for you.
If chosen judiciously and carefully, an SME Loan can help you realise your dream of taking your business to greater heights. So, exercise due diligence and choose wisely.
Author Bio :


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Personal debt is quite a bit different than business debt. For most individuals, Chapter 7 bankruptcy is the best solution for dealing with burdensome debt, because this process allows the filer to wipe out most debts and start from scratch. But, the perceived negative aspects of a Chapter 7 bankruptcy, like taking a hit on a credit score and losing assets, may not part of the solution for businesses. Businesses are oftentimes in a bit of a better position to correct their financial problems, and that is why many businesses go through the Chapter 11 bankruptcy process.
One of the key parts of a Chapter 11 bankruptcy filing is the submission of a debt reorganization plan to the bankruptcy court. As businesses investigate whether or not Chapter 11 bankruptcy is a legitimate option in their unique situation, many of the decision makers may be thinking, "What is a debt reorganization plan?"
Put simply, the debt reorganization plan is a proposed effort to classify the creditors who will be effected by the bankruptcy filing and how the business will ultimately pay back either all or a portion of the debt owed. Oftentimes creditors themselves are involved in the crafting of this plan, because even though no creditor wants to get paid less than what they are owed, they have a vested interest in making sure that the business in question remains open instead of dissolving and filing for Chapter 7 bankruptcy - if the business stays open, the creditor will at least get some portion of their loan back.
Debt reorganization plans tend to be quite complicated. A full list of disclosures needs to be part of the bankruptcy filing as well, so it is important for business owners and decision makers to be sure that they know what steps need to be taken in order to get the bankruptcy filing right the first time.
Source: uscourt.gov, "Reorganization Under the Bankruptcy Code," Accessed on Nov. 29, 2014


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By: Jeremy Fleischer
4 out of 5 STARS
In the future, when music historians write about the last 10 years of Northern Colorado music, they will list Stella Luce as one of the most important. What is meant by "important"? Well, music history is full of bands whose influence is greater than its visibility or perceived popularity, and Stella Luce is one of these bands.
The band's fierce determination to create albums, like the recently released Bleed, with bold artistry and a unique aesthetic surely inspires other musicians to pursue their art without feeling tethered to popular notions. This is not to say Stella Luce aren't popular; they are. But they make music that satisfies them without concern for the masses. And damn, this album is a handful. Certain things listeners have come to expect from a Stella Luce album, like tons of viola and Eastern European sounds, for instance, are downplayed. This time around the band takes a more rock/punk turn, and it is a pure joy to hear. Whereas in the past viola player and vocalist Alana Rolfe comprised much of the copyrighted Stella Luce sound, this iteration is much more of an ensemble, with all players on board. She still shines like the star she is, but sharing the spotlight presents a better-rounded band.
With bands like Stella Luce, it's often fruitless to compare one release with another, but Bleed is a special kind of listening pleasure amongst the catalogue. The songs are playfully dark and twisted, and the music is packed with left turns and stylized surprises. Bleed pulses with an artsy hard rock energy I can't wait to see live and solidifies the band's status in the Colorado music scene.


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Explore Box Hill Central's Fantastic Space Zone 探索博士山的精彩太空27 Feb 2017
On the first floor of Box Hill Central's North Precinct, a grand 'skyrocket' is preparing to fly to the outer space at any time. Several 'astronauts from NASA' are taking care of and making explanations to lovely kids there. While some kids listen carefully, others cannot help running up and down excitedly.
You will find the entrance on the back of this 'skyrocket' is actually a slide. When kids slide down to its inside, they will be welcomed to a world full of interesting technologies. In this world, there are amazing giant touch-screens and remote-control screens, on which kids can play a range of intellectual games. Your children will experience the lives of aliens, astronauts or even Chang'e (a fairy in ancient Chinese legend who flew to the Moon after taking in a panacea), as well as learn knowledge about our solar system.
This amusement playground is designed for kids during the school holidays. For protection purposes, the 'rocks' and 'sands' of this 'space zone' are made of soft rubbers. On one side of the playground is the Book Corner, where kids read books or listen to the stories read by parents quietly. On the other side, there is the Drawing Corner where adult 'astronauts' teach the little ones how to bring the universe from their childish imagination into life.
When the kids are playing happily here, parents can either accompany by the side or watch outside enjoying a cup of coffee. The food court and the baby-changing room are very close to it. Also, there is self-charging facility for convenient use.
This newly-launched children's playground has opened freely to the public since 7th Dec. Park your car at level 3 North Precinct and walk directly into the shopping centre, you cannot miss it!
在博士山新商场二楼(North precinct, Box Hill Central)的外星奇幻地表上,一座雄伟的火箭拔地而起,随时准备着飞向更加深邃的星空。几位来自美国国家航空航天局的"宇航员",正在为慕名而来的小朋友讲解着发射场上的各种设施。小朋友们有的认真听着,有的已经按耐不住、四处探索了起来。
CLICK HERE for The Vision China Times article


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Monday, January 9, 2017
President Buhari Appoints Sulaiman as New FRCN Boss
Mr. Sulaiman was a former Managing Partner/Director of Arthur Anderson and later, Accenture. He is a Chartered Accountant and a product of the University of Lagos and Harvard Business School.
The President has also approved the appointment of Mr. Daniel Asapokhai as the Executive Secretary of the Council. Mr. Asopokhai is a partner and a Financial Reporting Specialist at the PricewaterHouseCoopers (PWC), Nigeria.
He is a product of the University of Lagos and the University of Pretoria. President Muhammadu Buhari has also instructed the Minister of Industry, Trade, and Investment to invite the nineteen ministries, departments and agencies of the Federal Government and private sector organizations specified in the FRC Act to nominate members of the board of the council.
Posted by Leye Omole at 2:44 PM
Subscribe to: Post Comments (Atom)


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OK, so we're past the half-way mark on Camp NaNoWriMo, and that means it's time for a quick update.
My initial goal was to write 30.000 words in the month of April. Yes, that was my big challenge. Hoooowever, life got busy and I wasn't writing as much as needed to to reach my goal. So I decreased my word-count goal slightly (I chopped off a third of it to be completely honest!) and I'm still behind. How is that even possible?!
But I won't let that bring me down. I'll write as much as I can, with the amount of time I have available for that. That's it. No more feeling guilty!
My new writing goal is of a measly 20.000 words, which shouldn't be a problem, right? Except for the fact that there are too many distractions around (Yeah, I'm looking at you Candy Crush AND Family Farm! Damn you and your cute little graphics!).
Word-count goal: 20.000 words
Current word-count: 9.274 words
Is anyone else taking part in Camp NaNoWriMo? Have you ever taken part in NaNoWriMo before? How did you get on with your writing?


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Terms & Conditions
Registered Office:
19-20 Bourne Court Southend Road
Woodford Green IG8 8HD
Company Number: 8052436
Registered VAT Number: 133875401
1. These Terms and Conditions apply to all transactions though Page and Cooper Ltd. Please read them carefully before purchase. All statements, guarantees or warranties in our terms of trading are in addition to and do not affect your statutory rights.
2. Page and Cooper Ltd may change these Terms and Conditions at any time. Any changes will take effect on the date they are posted onto the site. You will be asked to read and accept the Terms and Conditions each time you place an order, to make certain you are familiar with the most recent ones.
3. Customer sales support is: 020 8158 8008 or by e-mail email@example.com
4. Opening Hours: Monday to Friday 9.30am to 5:30pm GMT.
5. Limitation of Liability
Nothing in this Agreement shall affect the statutory rights of any consumer or exclude or restrict any liability for death or personal injury arising from the negligence or fraud of Page and Cooper Ltd.
5.1. By agreeing to these Terms and Conditions, you agree that Page and Cooper Ltd shall not be liable either in contract, tort, negligence, statutory duty or otherwise, for any direct loss or damage (including loss or damage which is reasonably foreseeable or occurs naturally in the course of things) resulting from any acts, omissions, failures or delays occurring on or in relation to those parts of the Internet not under Page and Cooper Ltd's direct control including, without limitation, damage for loss of business, loss of sales, non payment of sums due, loss of profits, business interruption, loss of reputation, loss of business information, or any other pecuniary loss (even where Page and Cooper Ltd has been advised of the possibility of such loss or damage).
6. Missing Items
Customers are expected to report any missing items from their order promptly after delivery. This also has to be verified by Page and Cooper Ltd stock.
7. Operation
7.1. We ship Worldwide only to the billing address of the customer - No Exceptions Granted. However, with some credit/debit card issuers, it is possible to phone the issuing bank to add a secondary address.
7.2. All prices that are quoted are in £ Sterling. Prices are shown inclusive and exclusive of VAT. Any additional delivery charges are clearly displayed before an order is submitted.
7.3. All brand names are trade marks of their respective companies.
7.4. Product images featured on the site are for guidance only and are not always an exact match of a product. Availability of a product cannot be guaranteed.
7.5. We operate from Monday to Friday and orders received after 2.30pm will be processed on the next business day. By placing an order, the customer is deemed to have accepted these terms and will abide by them.
7.6. The placing of an order represents an offer to purchase the products indicated by the customer and is not binding on us until the order is accepted and despatched by us. If a product shown on the website is unavailable, incorrectly priced or incorrectly described, we shall not be obliged to sell you the product.
7.7. An acknowledgement of your order will be sent to you via e-mail when you place your order online, but acceptance of your offer to buy the Goods will not take place until payment is taken. It is at this point that a binding legal contract is created and any contract is subject to these Terms and Conditions.
7.8. You, as the customer, have the chance to change and amend any part of your order until we send you an e-mail confirming your order. Should you need to adjust any part of this order, please contact the sales office at firstname.lastname@example.com or by calling 020 8158 8008. Page and Cooper Ltd suggest that you print off a hard copy of the order, or save a copy to your hard drive for future records.
7.9. Payment for goods must be received before an order is despatched. Please allow 7 days for cheques to clear before goods are sent. We do not recommend sending cash as a method of payment and cannot be held responsible for any loss during transit.
8. General
8.1. In the unlikely event that an incorrect price is shown on our website, Page and Cooper Ltd reserve the right to abstain from fulfilling the order at that price. You will of course be notified, at which point you will be informed of the correct price, and be given the choice to proceed with the order. Page and Cooper Ltd make every effort to get the original details correct, but take into consideration different situations. No contract exists between the Customer and Page and Cooper Ltd for the sale of any goods or services until we have received and accepted your order and we have received payment in full (in cleared funds). Once we do so, there is a binding legal contract between us.
8.2. The goods are subject to availability. If on receipt of your order the goods you have ordered are not available in stock, we will inform you as soon as possible.
8.3. Every effort will be made to deliver the goods as soon as possible after your order has been accepted. This would be within 30 days. Further delays or longer initial lead times would be communicated either at the time of placing the order or by a secondary communication.
8.4. Most goods supplied by Page and Cooper Ltd come with a 1 year manufacturers warranty, in some cases it is longer. This warranty does not apply to any defect in the goods arising from fair wear and tear, willful damage, accident, negligence by you or any third party, use otherwise than as recommended by Page and Cooper Ltd, failure to follow the Page and Cooper Ltd instructions, or any alteration or repair carried out without Page and Cooper Ltd approval.
9. Despatch
9.1. Orders despatched by our carriers will require a signature upon receipt. Orders are sent via DHL, Royal Mail or simlar carrier.
9.2. Orders placed before 3.30pm Monday-Thursday (excl. Bank Holidays) are despatched the same day, although due to seasonal demand this can sometimes differ. Orders placed after 3.30pm are despatched the following business day. Orders will not be despatched on Fridays, but will be despatched the following Monday (excl. Bank Holidays), unless a Saturday delivery charge has been paid for. Orders are despatched on a next working day delivery service. Orders taken on Saturday will be despatched on Monday for a Tuesday delivery (excl. Bank Holidays).
9.3. We cannot be held responsible for delays caused by our carriers.
9.4. When placing an order by credit/debit card, goods will only be despatched to the card holder at the address where the credit/debit card is registered. With some credit/debit card issuers, it can be possible to phone the issuing bank to add a secondary address.
10. Cancellation Rights
10.1. If the goods are found to be faulty or not as described then we will refund your shipping costs up to the value of £10.00 by prior arrangement with Page and Cooper Ltd.
In line with current legislation Page and Cooper Ltd provide a cooling off period (not a try before you buy period) and a right to cancel your order should you decide not to complete the transaction. The cooling off period begins the day after your goods are received and ends 14 working days later. The regulations require the customer to contact us in writing to notify us of the intent to cancel/return the goods. We cannot accept returns/cancellations if we have not been notified in writing before this period has lapsed. Email is an acceptable way to notify us and we will confirm that we have received such communication. If an order is cancelled within this cooling off period we would expect the goods to be returned to us within 14 days before we process any refund or exchange. We do not refund carriage costs. We also expect goods to be returned in pristine condition with the original packaging and contents and must not be used in a way that constitutes acceptance by the customer.
10.2. If you exercise your right of cancellation after the goods have been delivered to you, you will be responsible for returning the goods to Page and Cooper Ltd at your own cost. The goods must be returned to the address below (17) and you must take reasonable care to ensure the goods are not damaged in the meantime or in transit.
10.3. Goods reserved with a deposit will be held for a period of up to four weeks from invoice date unless other arrangements are agreed by us prior to deposit. Deposits are non transferable or refundable.
10.4. The deposit is non refundable but may be used as a credit against any future purchases.
10.5. Custom orders (watches ordered with specific request, including items that have been engraved) are non returnable.
10.6. Special order watch straps can only be returned in exchange for credit.
10.7. Pre-Authorisation of Deposit for finance purchases. When paying for goods using finance, a pre-authorisation of a deposit will be taken from a card. If the application is successful the deposit will be captured. If the application is unsuccessful then the deposit authorisation will be released (please note that it can take up to 10 days for the funds to appear on your statement).
11. Claims
11.1. No liability for any claim for damage or non-functionality shall be accepted unless Page and Cooper Ltd are notified in writing by the purchaser within 24 hours of delivery. This period may be extended at the sole discretion of Page and Cooper Ltd where the manufacturers' replacement exceeds this deadline.
11.2. No liability for any claim for missing items such as manuals, etc. shall be accepted unless Page and Cooper Ltd are notified in writing by the purchaser promptly after delivery.
11.3. No liability for any claim will be accepted in the case of goods differing in quantity or descriptions from the particulars given on the delivery note, unless Page and Cooper Ltd are notified in writing by the purchaser promptly after delivery and the onus is on the purchaser to prove any shortage.
11.4. In the case of active third-party on-site maintenance contracts, the purchaser is strongly urged to process their claim directly through the manufacturer as this can considerably expedite their claim under clause 11.1
11.5. In the case of manufacturers who operate direct product support and return procedures, the purchaser is strongly urged to process their claim directly through the manufacturer as this can considerably expedite their claim.
12. Returned Goods
12.1. Please refer to our Delivery and Returns Policy
13. Consequential Loss
13.1. Page and Cooper Ltd is excluded from any liability to the purchaser for; losses that were not foreseeable to both parties when the contract was formed; losses that were not caused by any breach on the part of the supplier; business losses, and/or losses to non-consumers.
14. Law
14.1. If any part of these terms and condition shall be found to be unlawful it shall not affect the validity or enforceability of the remainder of the conditions. This contract is and shall be deemed to have been made in England and shall in all respects be governed by English Law.
15. On-line Purchasers
15.1. The purchaser is responsible for deciding on the suitability of the goods offered for any particular use and for the consequences arising from modification of the goods.
15.2. Goods are subject to availability; Page and Cooper Ltd will not be responsible for compensating the purchaser for any other losses, which may be suffered if we cannot supply the goods.
15.3. Any dates specified for the delivery of the goods are approximate only and Page and Cooper Ltd shall not be liable for any losses, costs, damages, charges or expenses caused by any delay for delivery of the goods where the delay has been caused by factor's beyond the control of Page and Cooper Ltd.
16. Content
16.1. Page and Cooper Ltd shall not be liable to any person for any loss or damage, which may arise from the use of any of the information contained in any of the materials on this site. Page and Cooper Ltd will only be liable for consequential losses within the contemplation of the parties.
16.2. Certain links in this site (typically a banner advert or icon) will lead to sites, which are not under the control of Page and Cooper Ltd. When you activate any of these you will leave the Page and Cooper Ltd site and Page and Cooper Ltd has no control over and will accept no responsibility or liability for the material on any site, which is not under the control of Page and Cooper Ltd.
17. Complaints handling procedure: In the unlikely event that you have any complaints as to our service or any of the goods and services supplied to you from our site, please contact us by either e-mail: firstname.lastname@example.com, phone: 020 8158 8008, or write to: Page and Cooper Ltd, 4 Imperial Place, Maxwell Road, Borehamwood, Hertfordshire WD6 1JN England. All complaints are taken seriously and will be investigated as soon as they are brought to our notice. We will endeavour to rectify any problems as soon as possible.
18. Matters beyond our Reasonable Control
18.1. Page and Cooper Ltd shall not be held liable for any breach of this Agreement caused by circumstances out of its control including, but not limited to, Acts of God, fire, lightening, flood, or extremely severe weather, explosion, war, disorder, industrial disputes (whether or not involving our employees), acts or omissions of Internet services providers or acts of local or central Government or other competent authorities.
19. Page and Cooper Ltd Privacy Policy
19.1. Due to the ordering process certain information given by you at the time of ordering is collected lawfully and in accordance with the Data Protection Act 1998, solely by Page and Cooper Ltd. Page and Cooper Ltd do not store credit card details nor do we share customer details with any third parties. The information is used only for the purpose of processing your request and to communicate with you on any matters relating to the provision of the service in general. Information and statistics may also be used for the purpose of monitoring site usage. These statistics will not include any information that can be used to identify any individual. Cookies are used on this shopping site, but only to keep track of the contents of your shopping cart once you have selected an item. If you have any concerns regarding the privacy of this site please email email@example.com
19.2. We may contact you in future regarding special offers, news items etc. If you do not wish to be contacted please click on the un-subscribe link contained in every message we send.
20. Copyrights
20.1. All designs, text, graphics and their selection and arrangement on this site are the copyright of Page and Cooper Ltd or its content providers. As a visitor to the Page and Cooper Ltd site you are licensed to copy electronically or to print portions of this site for your own personal, non-commercial use. Any other use of materials on this site without Page and Cooper Ltd's prior written consent is strictly prohibited.
21. Price Matching
21.1 To request a price match on an item listed on our website, simply email email@example.com or contact us for an individual quote on 0208 158 8008. Page and Cooper reserves the right to refuse any price match request without reason.
21.2 For verification we ask you to submit the product description, details of the authorised retailer's name, advertised product price and confirmation that the product is available for purchase (for delivery within 2-3 days). If you would like us to match an online price, then we recommend taking a screenshot or evidence in writing. Please Note, we only match authorised stockists and genuine products. The stockist should have the item in question ready to order and in stock. Whilst many retailers may appear to be authorised stockists, this may not always be the case. Sourcing watches through unauthorised stockists means that their products will be supplied without an official valid branded warranty and there is no way of determining the authenticity of the product.


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A little back story. There is a guy I know. He sometimes can annoy me, but has helped me out in the past. So I try to help him out.
He's been asking me about my book business. I answer him. I didn't think he was a writer, just curious. That is the case. He wants to go the music route. Fine. But now that he has decided, he won't listen to anyone.
Case in point:
Him: I want to put a website up, but they cost money.
Me: Have you tried Blogger, or Wordpress?
Him: I don't know, everything cost money.
Me: No, all the sites I use are free. I only paid for my domain name.
Him: See it cost you money!
Second example:
Him: I have to get my music out.
Me: There are a lot of good places to do that. What one do you like?
Him: What do you mean?
Me: Jamendo, Myspace, Soundclick...? Any of those.
Him: I heard of Myspace.
At this point I want to shake my head and walk away. But I figure he hasn't really looked at his options. I assume because he is a young guy, he knows how to find his way around the internet. WRONG.
Me: Why don't you do a search for those sites and see if they are what you need?
Him: How do you do that?
I give up. At this point, even if he knows his music. He has to learn some basic internet skills. But being the nice person I am, I decide to help him. Because when I was a newbie, the people that helped me were the best.
Me: Just go to google.
Him: Ok, but if I do it, what then?
Me: Upload your samples.
Him: Oh, no, no, no, no. I don't want anyone to steal my work.
Me: That's why you give some away for free and some you don't.
Him: Once it's on the internet, someone steals it.
At this point we get interrupted. I am thankful
This conversation with him made me see that there are some people that, no matter what, are going to always believe the horror stories of the internet. He wants to put his songs out there, but is too scared to use the internet for promotion. Very scared that he will loose his work. An understandable fear, but one that you can get some protection with. And if you look at it another way, if they liked your stuff enough to "steal" it, you got something there.
But I think the thing that really bothered me about this conversation, was the dilemma in his head. One that I am familiar with. You know you have something you can share, but you don't know how to do it.
When I started this writing insanity, I had no direction. Last year, I finally decided I wanted to get published. When I spoke to some people about it, I heard horror stories, both the traditional and the indie way. But I delved into it, research which option was best and made my decision.
I feel sorry for him. He wants to share, he wants the world to hear his music. But he is holding himself back. I tried to help, but sometimes you can't.


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Our 2015 press releases, newsletters, and statement inserts are below. Click on the release to download it in its entirety as a PDF.
For media inquiries, contact with M2 The Agency at email@example.com or call 281-882-3029.
For TDECU information, contact Tiffany Sylvester at email@example.com or call 979-299-0297.
2015 Press Releases
- Lucilla Henderson Appointed to Texas Credit Union Executives Society Council Board
- TDECU Works to Help Those in Need this Holiday Season
- TDECU Teams Up with University of Houston for Day of Service
- TDECU's Cindy Rowe Honored as Volunteer of the Year
- Texas Artist Suzanne Sellers Commissioned to Create Mural at TDECU Stadium
- Applications for the 2016 TDECU Scholarship Program Now Being Accepted
- Tim Bennett Joins TDECU as Chief Brand Officer
- PHOTO CAPTION: TDECU Employees Beautify Houston Neighborhoods During University of Houston's Clean-Up Day
- Amber Harwell Named TDECU Missouri City Member Center Manager
- Long-Time TDECU Member Surprised with Birthday Cake
- TDECU Pumps Up the Savings at Buc-ee's
- PHOTO CAPTION: TDECU Donates $3,500 to Hallettsville Police Department
- PHOTO CAPTION: TDECU to Offer Free Banking and Budgeting Seminars at Brazosport Cares Food Pantry
- PHOTO CAPTION: TDECU Supports the Brazosport Health Foundation's Capital Campaign
- Rachel Decker Appointed Regional Vice President for TDECU Dallas/Fort Worth
- TDECU Helps College Students Achieve Dreams with New Lending Program
- TDECU Mortgage Hits the Road to Amp Up Savings for Home Buyers
- Texas Monthly Recognizes TDECU Real Estate Agents for Professional Excellence
- TDECU Real Estate, LLC. Celebrates Record Breaking Sales Year
- Lemonade Day Comes to Greater Crossroads
- Leadercast Victoria Set for May 8, 2015
- TDECU Advocates for Credit Union Members during Fort Bend County Day at the Texas State Capitol
- CALENDAR LISTING: TDECU Annual Shred Day, May 2 (Victoria)
- CALENDAR LISTING: TDECU Annual Shred Day, April 25 (Missouri City)
- CALENDAR LISTING: TDECU Annual Shred Day, April 18 (Lake Jackson)
- University of Houston Bauer College Financial Symposium 2015
- TDECU Annual Meeting Set for March 5
- TDECU Gets Crafty to Raise Funds to Fight Cancer
- TDECU Teams Up with Greater Mount Zion Church to Offer Free Financial Wellness Seminars
- TDECU Employees Head into Classrooms to Teach Financial Skills to a New Generation of Texans
- Plan for Some 'Fun on the Farm
- Isaac Johnson Joins TDECU as Vice President, Chief Risk Officer and General Counsel
- Tweet for a College Scholarship with TDECU
- TDECU College Scholarship Applications Now Being Accepted
2015 Newsletters
TDECU Connection is our monthly newsletter from Your Credit Union. Find what you need to know about your finances, your financial future, and managing your money.
2015 Statement Inserts
Select each month below to view the inserts that were enclosed with your monthly statement.


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Hi,there! Welcome back to our website. Have you tried any project we showed you yesterday. I hope you tried it and your kids also felt happy for that nice robot.
Everyone! Today, I will show you how to reuse your drink water plastic bottle to make awesome robots for your kids.
What you are going to need
- plastic bottle and bottle caps
- glue
- lights
- battery 9v
- scissor
Ok, feel free to ask me if you have any questions regarding this vdo


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Is the client connected directly to the printer or is it a network printer? You'll have to install the drivers on the client computer to recognize that it can utilize the printer. You should be able to find them on the HP website for a HP75** series.
If you are using it as a network printer connected through a server you should be able to map it to \\servername\printername
I've also found this link to be extremely useful. It is the IBM System i Supported printers list for different printer manufacturers. http://www-912.ibm.com/s_dir/slkbase.nsf/c5100f8165ec3eb386256c230059fbac/b44a2cf4ba778d83862568250053649f?OpenDocument&Highlight=0,support,for,various,ascii,printers
Register Hereor login if you are already a member


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Professional Pet Sitting, Dog Walking & Running Serving Miami
Founded by pet-loving sisters Flavia and Frankie Berti, Equipaws Pet Services offers professional in-home pet sitting and overnight stays in your home for cats, dogs, and small animals, as well as daily dog walks, runs, and pet taxi services (to the vet, pet store, or groomers). Business owner Flavia and her team of pet sitters, dog walkers, and dog runners are ready to take special care of your pets, keeping them fit, healthy and happy with quality visits and exercise routines tailored to your dogs' individual needs.
We believe that pet sitting in your home is the best bet for your pets and that a tired dog, is a happy, well-behaved dog! We are always an email or call away, ready and happy to answer questions. We post photos of your pets on social media too, which helps when you miss your furry and feathered family members. We do hope you give us a call to chat about your pet care needs. We look forward to meeting you and your pets!
Learn More About Your Pet Sitters
Our Miami Pet Sitting Services:
- Pet Sitting for Dogs, Cats & Small Animals
- Mid Day Dog Walking and Running
- Overnight Pet Care (in your home or boarding at ours)
- Vet Pet Drop Off and Pickup Services
- Pet Store Errands (Time Saver For You!)
- Vacation & Long Term Pet Sitting
Why Choose Equipaws Pet Services:
- 5 Star Rating on Yelp
- Employees, not ICs
- Teamwork, so there is always a pet sitter for your pet!
- One to Two Dogs Per Dog Walker
- Trained in Pet CPR and Safety
- We Respond to All Inquiries Within 24 Business Hours
- Emergency Availability When YOU Need it!
- Convenient Online Scheduling through Power Pet Sitter
- Credit Card Payments Accepted
Call (305) 794-3733 or fill out the form above on this page to ask a question or check our availability.


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Case Discounts
We offer a 10% discount on every order of 12 bottles or more. This applies to all still wines not already on sale and many of our sparkling wines. Spirits are not discounted, but do count toward your 12 bottle purchase. Unfortunately, our web site isn't fancy enough to actually calculate this discount, so it won't show up in your shopping cart. Rest assured, you'll see a refund for the difference between the shopping cart total and the actual, discounted total. Technology....isn't it great?


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Copper laminates, with selected popular Embossed designs, are available from stock. Each 4′ x 8′ sheet is lacquered and comes with clear protective film for ease in processing. Copper laminates are hand painted by artists using techniques that allow for repeatability.
Return Policy
All shipments are to be inspected within 10 working days after delivery. Decorative Ceiling Tiles, Inc. is to be informed in writing of any potential adjustment necessary. If returned undamaged, return of first-quality stocked items subject to a 20% restock fee.
Technical DataNuMetal Technical Information NuMetal Installation Instructions
Data Saftey SheetData Safety Sheet
Proposition 65Proposition 65 Compliance Letter
Downloadable Catalogs
Download NuMetal catalog


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Research Project
Grant-in-Aid for General Scientific Research (C)
The biological issues and systems have the ability to grow, resorb, and/or deform themselves according to the changes of their environments and routine behaviors. Such ability of mechanical adaptation by remodeling is intrinsic only to the biological issue and systems. The quantitative observation and its model description are fundamental in understanding such phenomena and applying such a function in engineering field. From this viewpoint, this study investigates the following topics from experimental/mathematical approaches.1. Residual stress in bone and model of remodelingThe residual stress was released from the rabbit tibia-fibula system by the cutting method. It is found that the observed residual stress is comparable to that by the selfweight and its distribution is complex over the tibia. A model was proposed for the bone remodeling permitting the existence of the residual stress in the bone. The basic capability of the model was examined by simple case studies combined with the observed residual stress.2. Experimental spondylosis model and effect of overuseThe experimental spondylosis was established by surgicalintervention in mice. Mechanical instability accelerates the process of intervertebral disc degeneration and the long term instability brings the spondylosis. Repetitive extension-flexion was loaded on spine of rabbits, and the delamination of annulus fibrosus and the early osteophyte formation are observed. This suggests the overuse is a factor in the pathogenesis of spondylosis.3. Mechanical adaptation of aorta and patellar tendonGoldblatt hypertension was induced in rats and it is found that the aortic wall changes in morphology first and then in the mechanical properties adoptng itself to the mechanical environment. The stress shielding in the patellar tendon of rabbits leads the immediate decrease of the mechanical properties and the reloading brings the gradual recovery. These results show the rapid mechanical adaptation in soft tissues.
Published: 1990-03-31
Modified: 2016-04-21
User Guide
Terms of Use
Attribution of KAKENHI


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The pile of review books at my house is a little high at the moment, so I hope you won't mind if I write about two books at once today: "The Complete Photo Guide to Felting" by Ruth Lane and "Felted Feather Friends" by Laurie Sharp.
Let's start with the general and get to the specific.
Lane's book, "The Complete Photo Guide to Felting," is a very comprehensive reference book for people who love natural animal fibers and want to felt them. The book starts with a brief history to whet your appetite for what you can do, followed by a useful discussion of wool and why it works for felting. The book is a large, trade paperback with 240 pages, counting the index and a page promoting the publisher's other books.
After the introduction, the book has six chapters, a glossary, a list of resources, lists of acknowledgements and contributors and the aforementioned index. The intro is a brief history of felting, followed by chapters that cover "All about wool and other fibers," "Preparing to felt," "Traditional wet felting," "Nuno or laminate felting" and "Needle felting."
You can do a lot with felting, which originally was called "fulling" as in Fuller Brush Co. The general principle behind it is that animal fibers like wool and alpaca are made from little hooked pieces of protein, and under the right circumstances, such as washing them in warm water or dislodging spun fibers with a needle, you can release the hooks enough to have them re-engage with each other to form a strong, dense batt. This can produce a warm fabric for clothes (remember the 'boiled wool' jackets of the late 1980s and early 1990s?) or a solid fabric for purses that doesn't need lining. If you've ever had a pen work its way out of a knitted bag, you know why felting is a good idea.
Felting can be colorful, sculptural and textured. Lane's book will show you how to combine bits and batts of color to create pictures, sculptural faces, hats and all sorts of things. There are step-by-step photo guides to help you achieve the effects you want. My favorite section is the one that shows you how to make sculptural doll's heads on pages 170-175.
If you are lukewarm about felting, meaning if you aren't sure if it'd interest you or not, you might want to go to the North Jersey Fiber Festival at the Universalist Unitarian Church in Ridgewood the first weekend in October. When I was there two years ago, they had some experts making felted scrubbers for handmade soap and other cute felted projects. If you come to the Garden State Sheep & Fiber Festival in early September, you may see Debbie from the South Brunswick Library knitting/crochet group and some of her crochet friends selling their handmade bags that are felted. I'm sure they will share their enthusiasm for this skill with you.
If you already have the felting bug, this book is an excellent resource. You can use it to learn new skills, or to teach skills to your friends. The book's more than 800 photos are sure to make something clearer to you.
Once you have mastered some basic felting skills, you might enjoy making birds with "Felted Feathered Friends" by Laurie Sharp. This hardcover book has bluebirds, penguins, swans, robins, cardinals and jays, hummingbirds, a downy woodpecker, a flamingo, a snowy owl and my personal favorite in the book, a peacock. There are other birds, too, but I can't name them all. The only bird Sharp doesn't have that I wish she did was the turkey.
These birds are very cute and clever. If the jay isn't quite precise enough for you, enjoy the nuthatch or the cardinal. For nature lovers and bird watchers, there's a lot to love in this book.
If you are looking to make a baby gift, you might want to try the bird mobile on page 85. Make sure the birds aren't small enough for a child to choke on, though.
"The Complete Photo Guide to Felting" by Ruth Lane retails for $24.95. If you want a comprehensive guide to this artform, this book is a good investment.
"Felted Feathered Friends" by Laurie Sharp retails for $19.95. It's a slightly smaller book and has a more narrow focus, but I have to say that if I were to make felted objects, I'd probably make more of the things in this book than I would in the other one.


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Shop Announcement:
January £10 sale now on! Happy New Year
100g Hand-dyed 100% WOOL ARAN pink blue coral
This hand dyed 100% wool ARAN WEIGHT is a subtle mix of pink, pale coral, baby blues and pale lavender. This yarn has good structure when knitted up due to it's twist and would be especially suitable for cable patterns. It is soft and would make good accessories, hats and mitts or the batch would make a child's cardigan.
The price is for 100g
The fibre content is 100% wool. Handwash only on cool.
A 100g skein has approximately 140m and will knit up on 5mm needles to standard Aran tension.
I love experimenting in colour mixing. This was dyed using a dip dye method.
My hand dyes are currently produced in very small quantities. When it's gone, that's it. if you have any specific requirements do email me. I would be happy to dye to order if you have a colour mix that you've always wanted!
Shipping & delivery
This item will be posted to you by Ratzhatz within 3 days of receiving payment.
|Shipping destination
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Italy, Greece, Cyprus, Germany, France, Spain, Finland, Belgium, Portugal, Poland, Ireland, Sweden, Denmark, Netherlands, Austria, Latvia, Bulgaria, Czech Republic, Estonia, Hungary, Lithuania, Luxembourg, Malta, Romania, Slovakia, Slovenia, Isle of Man, Jersey, Guernsey, Gibraltar
Returns Policy
You have 14 days, from receipt, to notify the seller if you wish to cancel your order or exchange an item.
Unless faulty, the following types of items are non-refundable: items that are personalised, bespoke or made-to-order to your specific requirements; items which deteriorate quickly (e.g. food), personal items sold with a hygiene seal (cosmetics, underwear) in instances where the seal is broken.


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Building Division
Leonard Yarberry, Interim Building Official
(253) 983-7736
Welcome to the City of Lakewood Building Division. As a part of the City's Development Services, the Building Division works to ensure that the built environment of Lakewood is constructed and maintained in accordance with our adopted building codes and standards.
The Building Division reviews construction plans and inspects building projects to make sure they are built correctly. By regulating and controlling the design, workmanship, quality of materials, and other requirements of the International Building Codes and other construction codes, the Building Division safeguards health, property and the public's welfare.
We continually strive to enhance our service so as to provide for the success of quality construction within the City. Our staff is dedicated to providing a facilitative approach in the review, permitting and inspection of residential and commercial projects. If you are unable to find what you require on our website, please contact us at (253) 512-2261 or email email@example.com
Electronic Plan Review Submittal Info & Requirements:
Mold: FAQ's and Tips
NOTE: The City of Lakewood has no direct authority in regard to dealing with mold or associated issues. The pamphlets below are intended to provide general information only.
Landlord/Tenant Rights
NOTE: The City of Lakewood has no direct authority in regard to dealing with tenant/landlord issues. The pamphlet below is intended to provide general information only.