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In June 2015, we left Amsterdam by bicycle on a mission to find and document undiscovered stories.
A year later, we have cycled well over 6000 kilometres, visited 14 countries across three continents and made multiple videos ranging from compelling shorts to moving documentaries. Now, we help companies and creatives by telling authentic stories that are of relevance to their audience.


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Concreato, we boost your business
Concreato is specialized in boosting your business thanks to pragmatic and smart marketing. We develop the best marketing activities and strategies to further develop your business in close collaboration with you, your teams and customers.
Concreato : (from Latin verb Concreo) Create with, produce.
We create your marketing with you, we use co-creation with your customers and team to ensure the connection between the field and the strategy, the customer needs and the products.
Concreato : (Italian noun) Innate, inborn, natural
No big words or one-fits-all strategy. We help you to develop the marketing strategy that fits your business goals. It is truly part of your vision. We work with our clients to ensure the delivery of the business objectives through company focused marketing and communications strategies
Concreato : (from Spanish word) Concrete, solid as a rock
The marketing strategy we will develop together is backed by data's, insights, customers feedback. We create a solid and long term action plan enriched by figures and analytics and not only trends and feelings.

subset: commoncrawl


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Asset Protection Explained
Litigation is on the rise for many professions; they are not only confined to corporations or physicians, which may have laws and insurance policies that limit their liabilities. Individuals with a significant amount of wealth are bigger targets for litigation, so it is important to take steps to prevent others from taking advantage.
Lawsuits can strip you of everything you own if you don't take proactive measures to preserve your wealth so that it cannot be touched by others. It doesn't even matter if you don't have a lot of money or property; there are certain assets that you want to keep such as the family home.
Asset protection is basically that: plans and strategies to guard wealth from outside claims without breaking the law. Concealment of assets per se is illegal under the law, but there are legal ways of doing it if you do it with the help of an asset protection lawyer. According to the website of Peck Ritchey, LLC, there are ways of restructuring assets to minimize exposure in future lawsuits.
An asset protection lawyer will be able to give you advice on how to best protect your wealth depending on the nature of your business and the extent of your wealth. It may be primarily to avoid the consequences of lawsuits, but it may also be useful in minimizing taxes, avoiding fraudulent conveyances, simplifying probate, and bringing it in line with an estate plan.
However, asset protection has to be proactive. It has to be put in place before any lawsuits are filed to avoid legal complications. Some of these proactive strategies include asset protection trusts, family limited partnerships, limited liability corporations, and estate plans.
If you want to make sure that your family benefits from your hard work, you should look into asset protection. It is not something you want to put off, so contact an asset protection lawyer in your area as soon as possible to get the ball rolling.Read More


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|Thursday, 10 December 2015 12:14
Kazakhstan Secretary of State Receives Letters of Credence from Ambassador Alabo
By Kester Kenn Klomegah
MOSCOW, December 10, 2015 (Buziness Africa) -- The Ambassador Extraordinary and Plenipotentiary designate of the Republic of Ghana to the Republic of Kazakhstan with residence in Moscow, H.E. Dr. Kodzo K. Alabo, presented his Letters of Credence to the Secretary of State of the Republic of Kazakhstan, H.E. Ms. Gulshara Abdykalikova, in accordance with the state legislation of Kazakhstan, on Friday, 4th December, 2015.
The brief, but meticulous, ceremony took place at the Presidential Palace in Astana, capital of Kazakhstan.
Abdykalikova, on the same day, received Letters of Credence from four more newly appointed Ambassadors from the Republics of Nicaragua, Djibouti, Albania and Bahrain. She congratulated the Ambassadors on their appointment and wished them great success, stressing that Kazakhstan attaches importance to promoting political dialogue and contacts with many foreign countries.
Following the presentation, Ambassador Alabo had a one-on-one discussion with Secretary Abdykalikova on bilateral issues. The Secretary of State expressed her appreciation to Ghana for having supported Kazakhstan in winning the bid to host EXPO 2017 in Astana, and expressed the hope that Ghana would participate fully in the event.
She informed that Kazakhstan had put forward its candidature for a seat on UN Security Council and called on Ghana to lend its support in that regard as well. She mentioned that presently the commodity turnover between the two countries stood at $40 million, mainly from trade in cocoa derivatives.
Ambassador Alabo noted that with the excellent relations currently existing between the two countries, Ghana and Kazakhstan could tap into that opportunity to improve upon the level of their economic relations.
He promised to dedicate his tour of duty to exploring avenues of increasing the volume of trade between Ghana and Kazakhstan. To that end, he disclosed that both sides had agreed on organizing together business forum in the near future for their business communities to interact.
Ambassador Alabo further noted that Ghana, as a young oil producing country, could benefit from the rich experience that Kazakhstan has in the oil industry.
While in Kazakhstan, Ambassador Alabo also met with officials of the Ministry of Foreign Affairs, including the Deputy Foreign Minister as well as the Deputy Head of the Secretariat of EXPO 2017, where the subject of Ghana participating fully in the event was discussed. He also called on the officials of the Chamber of International Commerce of Kazakhstan to forge a close relationship between the business communities of the two countries.
During the meetings, Ambassador Alabo was accompanied by Mrs. Lydia O. Amartey, Minister/Deputy Head of Mission. The Ambassador, who is resident in Moscow in the Russian Federation, has concurrent accreditation to the following countries: Mongolia, Belarus, Ukraine, Moldova, Armenia, Azerbaijan and Kazakhstan. (Source: Buziness Africa)


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So, I was really putting off the whole name change thing because I was dreading spending my day at the necessary government offices. You can read about my last DMV adventure here.
I googled the process and figured out that the first place I needed to go was the social security office. If you're in South Carolina, you'll need to take:
1. Your current social security card
2. Marriage License
3. Driver's License
4. The form from the SS office website for applying to get a new SS card
5. I also took my passport, just in case they needed another form of ID.
I pulled up to the SS office and was OVERJOYED because there were only 2 other cars in parking lot. Naturally I assumed the building would not be crowded and I would not have to wait long to be served. I walked in and almost EVERY seat in the waiting area was taken. And not to go directly to the race place, but they were mostly Mexican. At the end of my story, this matters. Well, not really.
|There was also a row of seats to my right. Full up.
I drew a number and patiently waited my turn. Once I was called, it took less than two minutes for me to be issued my temporary card with my new name. When I turned around to leave, the entire room had emptied out and I found myself alone. It was a VERY strange feeling. Where had they all gone?
I walked outside and saw LITERALLY upwards of 20 Mexicans piling into ONE vehicle. With the exception of maybe 3 people in the picture above, they were ALL getting into the same car. UHHH, WHAT? It was baffling. BAFFLING. BAFFLEMENT. I hoofed it to my car and sped off to the DMV on the off chance that they were headed there, too. Didn't want to have to wait in line behind them twice.
I got to the DMV and was set up with a new license relatively quickly…unless you count the 5 times Miss Food Stamps forgot to send my paperwork from her paperwork checking station to the license making station.
At the DMV you'll need:
1. Temporary SS Card
2. Marriage License
3. Old license
4. The appropriate forms (they give them to you there and they only take a few minutes to fill out)
5. Form of payment – I think it cost me $10.
I also hadn't practiced my new signature enough times, which is evident, and as Mike pointed out, it looks like my last name is Raylor. Other than that, (and the zombie flu virus I was incubating at the time) it was a borderline enjoyable DMV experience.


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Miss H Snelling – Subject Leader of Drama
GCSE Drama
This GCSE course is an exciting and predominantly practical one. It is well regarded by prospective employers and as a preliminary to further study. One reason for this is that through drama the student is able to develop self-confidence, problem solving skills, communication skills and collaborative working skills.
It enables the student to think and act confidently and creatively and to develop self-awareness as well as self-esteem, awareness of others and social aptitude. In short, students develop a very distinct range of group work skills and a comprehensive knowledge and understanding of Dramatic Art and Theatre.
Having gained a good pass at GCSE Drama a number of students choose to continue the subject taking A level 'Drama and Theatre Studies'. This two year course involves the study of various four/five week topics and two theatre texts. The topics and texts are studied through discussion, investigation and a variety of drama activities. Various kinds of improvisation form the core activity to this method of learning. The students cover a wide range of subjects and through their exploration and experimentation with the medium they develop an increasing knowledge, understanding and command of skills pertaining to Dramatic Art.
Students will be assessed on their ability to:
- Explore issues, ideas and feelings using
appropriate drama forms.
- Respond creatively to a variety of stimuli.
- Contribute with cooperative working skills to the development and realisation of ideas
within the group.
- Adopt, adapt and sustain 'roles' appropriately.
- Communicate through the language of space.
movement and words.
- Illustrate a comprehensive understanding and working knowledge of Dramatic Art and Theatre.
A Level Drama
It is not necessary to have studied this subject at GCSE Level. However, a student who had not studied GCSE Drama would be required to have a short interview with the Head of Department before a place on the A Level course could be offered. It is obviously an advantage to have studied the subject at GCSE.
|% of A Level
|Component 1
|Theatre In Practice – Written
Section A: Study of a set-text from the perspective of a performer.
Section C: Response to live theatre seen during the course.
|Component 2
|Devising Drama– Practical & Written.
The development of a devised piece of drama influenced by a theatre practitioner and supported by written coursework.Performed to a live audience and marked by subject teacher. Performance is recorded and moderated by AQA.
|Component 3
|Making Drama– Practical & Written.
The development three scripted excerpts influenced by a theatre practitioner and supported by written coursework. 'Excerpt 3' is performed and marked by an AQA visiting examiner.
Units 2 and 3 include careful study of the plays and practitioners and live performances that have been chosen, and with special regard to the theatrical, social and historical contexts of each.
Value of the Course
This is a creative and exciting course that in practice combines almost equally practical and academic work. The course encourages students to develop their interest, enjoyment and knowledge of theatre and drama practice. Through their own work and experience of professional performance candidates will develop the ability to respond critically and sensitively to a range of drama texts and performance.


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With the popularity of quadcopters, you can say they are quickly on their way to dominating the skies and now, the next generation of drones are coming with amphibious capabilities and heading for our waterways.
The Parrot Orak minidrone is a perfect example of an amphibious drone. The drone is just as agile on the water, as it is floating 2 inches above it. I expect this to be sold as a toy since it falls into the minidrone category. Purchasing the Orak will actually get you two toys in one, because you can have adventures on water with the hydrofoil or you can remove the hydrofoil for airborne fun.
Key Capabilities:
- Maximum speed: 11 mph in the air
- Maximum speed: 6 mph (5.4 knots) on water (it is recommended to use the Hydrofoil on freshwater)
- Battery life: 7 minutes — Fast charging in 25 minutes (with a 2.6A charger, not included)
When released, the Orak should provide lots of enjoyment, at a reasonable price point.
Once the engines are on, the upper part of the Hydrofoil positions perpendicularly to the nautical structure. Thanks to the four propellers of the Minidrone, it glides through the water and stays about 2 inches above the surface with amazing stability and agility. As the water resistance is reduced, it can reach the maximum speed of 5.4 knots (6 mph) and turn in a flash without capsizing. The Hydrofoils can be separated from their nautical structure in order to fly through the air and do breathtaking aerial acrobatics!
Even though the Orak hasn't been released yet, it's already getting pickup in the press:
A French firm has announced two hydrofoil minidrones that sail at 10km/h (6mph or 5.4 knots) on water before taking off and flying at 11mph (18km/h).
They have built-in video cameras that record at 60 frames per second and can reach distances of up to 60ft (18 metres).
The hulls of the waterborne drones have been built with special hydrofoils inspired by racing yachts.
When they hit top speeds, these foils lift the device around two inches (5cm) out the water, at which point the four rotor blades attached to hull flip forward and provide thrust to lift it into the air.
Henri Seydoux, founder and chief executive of Parrot, said: 'The success of our first minidrones pushed us to enlarge the family of these super high-tech toys.
The drone gets its sea legs: £120 hydrofoil-quadcopter seamlessly films from the air and on water – but it only reaches a top speed of 11mph
I'm not sure I like using the word drone, even minidrone, in the same sentence as the word toy, but it's bound to happen. Regardless what you call them, drones should be respected and beginning pilots should try to learn safe flying techniques, hands-on whenever possible.


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Most parents would never admit they prefer one of their children over another. But the reality is, most mothers and fathers can't help liking one kid best. Being the chosen one certainly has powerful advantages, but psychologist Dr. Ellen Weber Libby says there are dramatic drawbacks as well. In her new book, The Favorite Child, Libby delves into the benefits and hazards of favoritism, which ultimately shape all of us as adults. Is there a darling in your family? What impact did that have? And what's it like growing up feeling like second or third best?
Read the Full Story at KPCC Blogs


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Orthopedic Procedure Videos
We've provided orthopedic procedure videos for the purpose of patient education.
This procedure is performed to relieve pressure on the median nerve, alleviating the pain of carpal tunnel syndrome and restoring normal sensation to the hand and fingers. The procedure is usually performed on an outpatient basis.
During this minimally-invasive procedure, the surgeon opens a narrowed tendon pulley at the base of a finger or thumb affected by trigger digit. Opening the pulley prevents the nodule from catching, allowing the the affected digit to flex and extend normally with no triggering or pain.
The meniscus is comprised of two c-shaped wedges of cartilage that cushion and stabilize the knee joint. A torn meniscus can cause pain and limited mobility in the knee.
Osteoarthritis, also called degenerative arthritis, is a gradual breakdown of cartilage in the joints. Cartilage is a tough, flexible connective tissue that protects the ends of bones in the joints. Osteoarthritis is common in the knees because the knees bear the weight of the body. Osteoarthritis of the knee can severely impact a person's lifestyle.
The patella (kneecap) is held in place by the quadriceps and patellar tendons. Ligaments on either side also help stabilize the patella. Patellar tracking disorder is a painful condition caused by a problem with the bones, muscles or ligaments around the patella.
This procedure replaces a damaged anterior cruciate ligament (ACL). The ACL connects the front top of the tibia (the lower leg bone), to the rear bottom of the femur (the thigh bone).
This arthroscopic procedure uses a small, metal, cap-like implant to cover damaged or missing articular cartilage in the knee joint. The articular cartilage covers the surfaces of the bones in the joint, allowing them to glide smoothly against each other. The procedure can typically be performed in about an hour.
Unlike total knee replacement surgery, this less invasive procedure replaces only the damaged or arthritic parts of the knee. The OXFORD® unicompartmental knee uses metal and plastic implants designed to potentially last longer and wear down less easily than traditional implants.
This minimally-invasive outpatient procedure is designed to remove the damaged portion of the meniscus, a layer of cartilage on top of the tibia that cushions and stabilizes the knee joint. The procedure may be performed with local or regional anesthetic.
This surgical procedure removes portions of damaged cartilage on the femur in the knee joint that have been rubbing against the underside of the patella, causing pain and loss of mobility. This cartilage is then replaced with a specially-designed implant.
This procedure restores function to a severely damaged knee. Most commonly, it is used to repair a knee that has been damaged by arthritis. During the procedure, the surgeon replaces the damaged portions of the knee with artificial parts. These parts consist of a metal femoral component, a metal tibial component and a plastic spacer. A small plastic patellar component may also be used.
This surgical procedure is used to inspect and reattach torn tendons in the shoulder's rotator cuff. The initial part of the surgery is performed arthroscopically through small tubes. In some cases, open surgery may be needed to repair large tears.
This procedure uses a small, metal, cap-like implant to cover damaged or missing articular cartilage in the shoulder joint. Articular cartilage covers the joint surfaces of bones, allowing them to glide smoothly against each other. In the shoulder, arthritis or an injury may result in loss or damage of the cartilage on the round humeral head, causing pain and limited motion. Resurfacing this damaged area can help relieve pain and improve motion.
During this procedure, the surgeon replaces a damaged shoulder joint with artificial components that reverse the structure of the shoulder. This procedure is most often used for patients who have had a failed total shoulder replacement. It is also helpful for patients who have had a complete tear of the rotator cuff, especially those whose injuries have led to an arthritic condition called cuff tear arthropathy.
This arthroscopic procedure is performed to repair a tear of the biceps tendon at the point where it connects to the labrum, a ring of cartilage that surrounds the shoulder socket. A tear at this point is called a SLAP (Superior Labrum Anterior-Posterior) tear. SLAP repair is performed under general and regional anesthesia, and patients usually leave the hospital the same day.
This surgery replaces the damaged or diseased head of the humerus (also called the ball) and cartilage from the shoulder joint with a metal and plastic joint.
Schedule an Appointment
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Feel free to contact our office with any questions or concerns you may have.
Phone: (408) 356-3777
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OrthoKristy Clinic Hours
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Seven projects will create new music rooted in the English folk tradition following the latest round of funding awards by England's national development agency for the folk arts.
The English Folk Dance and Song Society (EFDSS) has made four awards under its 2017 Creative Bursary scheme and three through its Creative Seed Funding programme.
Both initiatives are funded through the PRS for Music Foundation Talent Development Partner scheme. They come under the umbrella of EFDSS' Artists' Development Programme, which provides professional development support, both creative and business, to artists at all levels of their career.
Katy Spicer, EFDSS Chief Executive and Artistic Director, said: "All the successful applications are rooted in the folk arts but will bring a fresh take on their subject matter.
"By its very nature, folk music has always evolved and reflected the issues of its generation and these awards will help to develop some very innovative and relevant proposals. We look forward to supporting and working with the artists as their ideas take shape.
"Our bursary and funding schemes are designed to kickstart projects, giving the recipients time to bring their ideas to life. A great example is Sam Sweeney's Made in the Great War music and storytelling project which began thanks to an EFDSS Creative Bursary."
The Creative Bursary scheme invited applications from more established artists for an award of up to £2,000 to support creative research and development, together with use of rehearsal space at Cecil Sharp House and access to the Vaughan Williams Memorial Library. They have been made to:
The Creative Seed Funding Programme was open to emerging artists and involves a £750 bursary to research and develop new work linked to the English folk arts. The awards have been made to:
Musicians in Museums residencies
Sign up to EFDSS' Artist Development e-mail newsletter


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CARLSBAD — A Carlsbad family has turned their personal tragedy into a support system for local families with children fighting life-threatening illnesses.
After losing their son Mitchell to a battle with cancer, the Thorps started a nonprofit foundation as a helping hand for other struggling families. Launched in June, the Mitchell Thorp Foundation has been raising money to help local families pay for expensive medical treatments not covered by insurance.
"Our focus is to help take off some of the financial burden to let the family do what they need to do — love and take care of their children," said Beth Thorp, Mitchell's mom.
Since its inception, the Mitchell Thorp Foundation, or MTF, has been a sigh of relief for two Carlsbad families with children battling life-threatening diseases. While the families of Chase Quartarone and Sam Reiser have altered their daily lives to seek out medical treatments, MTF has contributed to the cost of medical bills through donations, Thorp said.
"We want to be local – to help local families in dire need," she said.
To raise money for the families, MTF will be hosting its first Mitchell Thorp Foundation Walk-a-Thon in January. Proceeds from the "happy and peppy" event will help Chase and Sam, both 16, as they continue to seek treatment for their illnesses, Thorp said.
"It's going to be a fun event, yet for a good cause," she said.
The upcoming family-friendly fundraiser with a deejay and prizes will be held at Poinsettia Park's soon to be renamed Field One. City Council approved a proposed name change and as of Nov. 19, Field One will officially be called Thorp Field in memory of Mitchell.
"It came as a desire to commemorate what Mitchell meant to the community," said MTF board member Tom Watson.
As the MTF puts the final touches on the upcoming event, the Thorp family remembers the support and donations they received through a walk-a-thon held for their son. Although they faced daily struggles and worried about medical bills, the Carlsbad baseball leagues organized a walk-a-thon to raise money for Mitchell's treatments, said Watson, who spearheaded the first event.
"The community came together on our behalf," Thorp said. "The outpouring was unbelievable."
As Nov. 19 approaches and marks a year since Mitchell passed away, the family takes comfort from the generosity and support of the local community. While the family looks back on a year without a beloved son, brother and community member, they are looking forward to helping other local families in need, Thorp said.
"It's their way of giving back to the community," Watson said. "It gives them an outlet for their emotions."
To donate, volunteer or register for the Mitchell Thorp Foundation's Walk-a-Thon in January, visit www.mitchellthorp.com.
Local family's loss leads members to charity
CARLSBAD — A Carlsbad family has turned their personal tragedy into a support system for local families with children fighting life-threatening illnesses.


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Date: January – May
Would you like to discover the Chamonix backcountry on skins or explore some new routes with us?
Patagoniatiptop's UIAGM qualified mountain guides will make sure to find the best snow conditions in the area.
There are plenty of routes to choose from to suit all possibilities!
Embark on a great adventure in the French Alps. It's a sporty and original way to explore these snow-covered, wild and wonderful landscapes. These 2-day, weekend programs are designed to make the most of the region and get to know the Alps in depth, while improving your skiing skills.
It's the perfect opportunity to take a break from your busy daily life and get some fresh air in this natural environment.
Get lots of advice and tips to improve your ski touring level.
The guide will adapt the tour to your pace and level so you can enjoy and admire the breathtaking landscapes.
There are many different routes, allowing mountain lovers of any level to participate in this activity.
A few ski touring examples:
- Col du Passon
- Brêche Puiseux
- Col du Belevdere
- Col du Tour noir
- Crochues Bérard
- Col du Beugeant
Fees for 2 days of Guiding and pick up at your Hotel:
2 Skiers: 440.00€/ Skier
3 Skiers: 300.00€/ Skier
4 Skiers: 250.00€ / Skier
- Please contact us for groups with more than 4 skiers. Accommodation, ski pass and meals are not included. Let us know if we can organize the perfect accommodation for you.
Activity requirements
This activity requires a regular physical activity.
You can be a beginner in ski touring but you must be a good skier, and comfortable on all kind of slopes.


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Businesses and Credit Card Convenience Fees
With an increase in direct deposit payments, debit cards, and credit cards, fewer and fewer people are using cash and checks for transactions. If you're reading this, chances are you're one of those who prefers to pay for transactions with plastic. So when you're making a credit card payment to a business—online or by the phone perhaps—you might be shocked to find that they're charging a credit card convenience fee. Is this legal? Are businesses allowed to charge a convenience fee to customers who just want to use their credit cards?
Credit Card Convenience Fees
A convenience fee is a fee that a business charges customers who use credit cards rather than another form of payment that's standard for the business. For example, a business that traditionally accepts check or ACH for transactions has offered credit card payments as a convenience may charge an additional fee for that convenience.
Convenience Fees vs. Surcharges
Credit card convenience fees and surcharges are often used interchangeably, but they're not the same thing. A surcharge is a fee charged to customers simply because they're using a credit card. Merchant credit card agreements discourage merchants from charging surcharges on transactions. Moreover, surcharges are illegal in California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, Texas, and Puerto Rico.
While credit card issuers aren't allowed to charge a surcharge on credit card transactions, they are allowed to offer a discount for customers who pay with cash. You may have noticed some gas stations, for example, have one price set for credit card payments and a slightly lower, discounted price for cash transactions. This practice is allowed.
Why Businesses Charge Convenience Fees
While credit card convenience fees are a nuisance and additional expense for consumers, businesses that charge the fee often have a legitimate financial reason for charging the fee.
It actually costs money for businesses to process credit card payments. Credit card processing companies charge a fee on each credit card purchase businesses make. Businesses also have to pay for the software and hardware for processing credit cards.
Businesses that routinely accept credit cards typically build the cost of the accepting cards into their prices. This is especially true for businesses like major retailers that routinely sell products and services directly to the public. Other businesses bill you directly only for the cost of certain services you've used. These businesses don't pad credit card processing costs into the price you're charged.
Utility companies, landlords, and government entities, for example, often bill you directly for the amount you owe. With these businesses, it's likely free to pay by check or ACH. But, if you want to use a credit or debit card to take care of your bill, you may have to pay a convenience fee.
Who Decides Whether Credit Card Issuers Can Charge Convenience Fees
Merchants who accept credit cards are bound by the agreements they have with the credit card networks. These agreements outline the various things merchants can and can't do when they're accepting credit cards. Credit card processing networks, i.e. Visa, MasterCard, American Express, and Discover, have varying rules about whether merchants are allowed to charge a convenience fee.
- Visa, allows convenience fees, but generally only when the payment takes place across an alternate payment channel, like by phone or online; when the customer is informed of the fee ahead of time; and the merchant charges a flat rate, not a percentage of the transaction.
- MasterCard allows government agencies and educational institutions to charge a credit card convenience fee as long as they also offer other payment channels.
- American Express allows convenience fees for certain types of transactions as long as the customer's use of a credit card is actually a convenience. Any convenience fee must be disclosed before it can be charged to the customer.
- Discover doesn't have a policy on credit card convenience fees. Instead, the credit card issuer only requires that merchants treat all credit cards the same. That means merchants can't charge a convenience fee on Discover credit card transactions, but not on Visa transactions.
Convenience fees may also be charged on debit card transactions, since these cards are often processed the same as credit cards when used online, over the phone, or in payment kiosks. (Debit cards are only processed as debit, across the debit card network, when a PIN is entered.)
What You Can Do About Convenience Fees
If a company is charging a legal credit card convenience fee, consumers really only have two choices. Either pay the fee or choose another payment method.
In some cases, you may not be able to avoid paying a convenience fee, particularly if you don't have another payment method. While it's a nuisance, it's one you may have to accept occasionally, for the convenience of using your credit card. The fee won't catch you by surprise. Merchants are required to let you know ahead of time that you'll be charged a convenience fee.
Unlike other types of credit card fees, the convenience fee is included directly in the transaction. If you're making a $100 transaction and the merchant charges a $12 convenience fee, your total purchase amount would be $112. Make sure you have enough available credit or enough money in your checking account to completely cover the transaction.
Once you know a business charges a convenience fee, you can plan for it the next time you have to make a transaction with them or you can plan to use another payment method next time. For example, some businesses will process ACH transactions using your checking account and routing number without charging you any fee at all.
Convenience fees may seem small at the transaction level. For example, you may only have to pay $3 or $4. However, if you're paying multiple convenience fees each month, the fees can easily add up to more than $100 each year.


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Dunking in basketball requires explosive vertical leaping ability, but with some training many players can see an increase in the height they can achieve on their jump. In order to train for dunking the muscles need to be strong, but they also need to be trained for quick, explosive bursts of power.
Deep Knee Bends
Begin by standing with feet shoulder width apart. Bend at the knees while keeping your upper body straight. Bend until your thighs are parallel to the ground. Hold that position for about one second before slowly rising back to the standing position. InsideHoops.com recommends beginning with 15 repetitions and increasing to 20 or 30 repetitions as the exercises become easier.
Jumping Rope
Both Inside Hoops and BestBasketballDrills.com note that jumping rope can be very beneficial for training the calf and ankle muscles for explosive jumping power. Inside Hoops notes that it is an easy exercise to do while watching television.
Deep Knee Bend With Jump
This exercise is similar to the deep knee bends listed above, but is performed by bending the knees until your bottom almost touches the ground. Instead of slowly rising from the crouching position, burst up with as much power as possible, jumping as high as possible from the crouching position. After landing from the jump immediately crouch down until the bottom almost touches the ground and repeat. Repeat 15 times at the beginning and increase to 20 or 30 repetitions when possible. This exercise is great for building explosive power in the ankles, calves, knees and thighs.
Stair Running
This exercise is often performed at a stadium and Best Basketball Drills notes that it can help build jumping ability as well as stamina and leg strength. To maximize the vertical jumping impact of the stair run, try to "get air" by leaping from one stair to the next using a bounding run. To increase the intensity of stair running, skip one or two steps between leaps.
Explosive Leaps
Best Basketball Drills suggests performing this exercise in a park or on an open field with a soft, grassy surface. It can be performed using one or two legs. Jump as high as possible using only one leg and quickly jump off the other leg after landing to perform the one-legged version of this exercise. Two-legged jumps are performed by starting in the squat position and exploding into a vertical jump from the crouched position. These exercises should be repeated 10 to 15 times and are great for building explosive jumping ability.
Box Jumps
Set six, 16-inch sturdy boxes in a row, 24 inches apart. Start at one end and face the first box. Lower your body into a shallow squat, jump up onto the first box and then quickly jump down between the first two boxes. Without pausing, jump up onto the next box, jump down between the boxes and continue until you get to the end of the row. Turn around and jump back to the start. Repeat three times.


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Plant based Vegan Thanksgiving Food
By Fredrica Syren: Just little over 2 weeks until Thanksgiving and I for one are already planning for Thanksgiving dinner. In our home, we now celebrate Thanksgiving and all other holidays zero waste and organic and plant based vegan so with no meat and no packaging. In the past years we … Read More »


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Warming up for the mill24 exhibition, experimenting in the corner of my friends work room. A creatimation is the documentation of creating and animation, with no pre-conceived thought and just doing it a creatimation is created.
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- The Gatekeeper
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- 60 second city animation workshop.
- SuperCrafts 2011
- Creatimation Experiment 003
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- Creatimation Experiment 002
- Free for Arts


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Dr. Michael Auld
Dr. Michael Auld was born and reared in McAlester, Oklahoma. He is the son of Larry and Jane Ann Auld. He was a salutatorian of McAlester High School, graduated Magna Cum Laude with a degree in Biochemistry with honors from Oklahoma Baptist University in 2005, and is a graduate of The University of Oklahoma College of Dentistry, where he graduated with distinction.
Dr. Michael Auld is a member of The American and Oklahoma Dental Associations, The Academy of General Dentistry, and The American Orthodontic Society. Dr. Auld had extensive post graduate training in orthodontics and implant surgery to better serve the dental needs of our patients. He is committed to excellence in orthodontics for children and adults. Dr. Auld has completed over 1,000 hours of continuing education and has completed hundreds of cases.
He is an associate professor with Gerety Comprehensive Orthodontic Seminars where he teaches orthodontics to general and pediatric dentists from across the nation. Dr. Auld has a passion for dentistry and is committed to his patients knowing that they will be listened to and given the most excellent, compassionate, and comfortable care possible.
Dr. Michael is married to his best friend, Becky Thomas Auld. He is blessed with two perfect daughters, Gwyneth and Natalie. Dr. Michael is a board member of the Shared Blessings organization. He and his wife Becky are active in McAlester Young Life as well as First United Methodist Church in McAlester. They are co-owners and trainers at CrossFit McAlester. Dr. Michael is very thankful to be in service to his community.
We combine experience with the latest in dental technology to deliver the best patient experience possible.


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Availability: May not be available. Please call (206) 366-3333 for info.
Published: Random House - April 5th, 2016
It has been over a decade since Harrison's last work of personal nonfiction or memoir, a genre she helped define, and True Crimes is a magnificent return to the genre that gave Harrison her well-deserved reputation. It is a collection as versatile and varied in curiosity as its creator, running the gamut of an adult's emotional life with refinement and grace.


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Digital Marketing: Do It Yourself or Outsource To Others?
May 12 2015 - 12:00am
There is much to learn and master when it comes to digital marketing. If you're a small- to medium-sized business owner, understanding and deriving value from your digital marketing efforts can be one of your biggest challenges.
There's little doubt that business owners need to complement - or even replace - their traditional marketing tactics with strategic digital marketing: in its 2015 survey, the Content Marketing Institute found that 86% of B2B respondents are using content marketing. Businesses that don't understand and adapt to this massive shift towards digital are likely to trail the competition.
Some effective digital marketing tactics include:
Social media
Content marketing (e.g., blogs, website copy, infographics, email campaigns)
Website design
Be Wise When You Advertise
Whatever industry you're in, there's a very strong probability that you'll need the web to help you advertise. The more complex issue is determining the resources you should devote to the digital realm. Should you invest in hiring and training a digital marketing team who will learn and embrace the company culture, or outsource the effort to professionals who are comparatively inexpensive and flexible? Here are a few pros and cons to both approaches.
Do-it-Yourself (DIY) Pros
Business Knowledge. The great thing about having an in-house marketing team is their proximity to the business. Eighty-six percent of effective content marketers are led or managed by a dedicated team or person. Once trained, they can time tweets and be nimble with marketing tactics based on your strategy. By going the in-house route, you'll have a team that understands the goals and objectives of your business and its culture.
Consistent Output. Have you been meaning to boost your content output, but simply don't have the time to commit to writing a blog every two weeks, let alone tweet every day? Fifty-seven percent of B2C marketers and 69% of B2B marketers reported that lack of time was their greatest challenge in digital marketing, specifically in content production. With the DIY approach, you'll have a team of digital marketers who - if properly prioritized and focused - can produce quality content at a consistent, appropriate rate.
DIY Cons
Expense. Staffing an in-house digital marketing team can be expensive, not to mention the challenge of finding and retaining great digital talent. For example, a team of three can run up to $150K a year or more, not including benefits, bonuses, and all the frictional costs of hiring. And that's at an entry-level to intermediate skill level.
Training Delays. Seventy-nine percent of B2B digital marketers experience slow lead-up times with a newly-formulated team. Depending on the skill level of your new employees, there may be a considerable learning curve to get them to the point of what you would pay a savvy and experienced consultant. This invested time could radically affect the timeline and ROI of your digital marketing.
Outsource to Others (OTO) Pros
Cost Savings. Outsourcing your digital marketing efforts to an external marketing firm will save you as much as half the cost of hiring a full-time marketer. By outsourcing, you pay the costs of a contracted rate and that's it - whether it's on retainer, hourly, or on a per-project basis. The hassle factor is considerably lower than going in-house: no benefits, bonuses, vacation, and hiring costs to deal with.
Flexibility. You can also skip the learning curve required when forming your own in-house digital marketing team. By outsourcing your services to an external provider, you pay for experienced marketing professionals who are already highly knowledgeable about digital marketing and can jump in when you're ready for them. They also bring a fresh, objective approach to your business, and are unlikely get bogged down by everyday office distractions.
OTO Cons
Lack of Visibility. Although third-party digital marketing providers may be experts, outsourcing means handing over your marketing power to someone who is at least initially unfamiliar with the company culture and mandate. This can be tricky, especially when it comes to a marketing tactic that is timely and continuous as social media.
Competing Priorities. Prioritizing also may be an issue, as likely you will not be the only client of your outsourced digital marketing agency. This may result in timing conflicts for your marketing goals if the third-party agency is working on several projects simultaneously.
DIY or OTO?
Outsourcing doesn't necessarily mean losing control of your marketing efforts. It's a proven, cost-effective way to streamline your marketing, especially if the skills and talent you are looking for aren't in-house, or even in the same city. With remote technology widely available, setting task-based schedules and assignments, and tracking and managing projects can be relatively seamless.
However, if you're an established business with the resources to hire and train a new team, then it may be worth the investment in costs and time to get exactly what you want. If you're still unsure, trying a bit of both will introduce you to the world of external agencies, and then you can assess your overall comfort level from there.
So, before you dive into writing posts or revamping your website, evaluate what works best for your business, budget and resources. And then take action.
Is outsourcing is the way to go for your business? Contact Redbird for a quote on digital marketing services.


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An extensive selection of 2 and 3 ply new and refreshed cartons for


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When a shopper starts the return process, Returnly uses a proprietary algorithm to determine if an Instant Refund or Exchange Voucher is issued for the shopper. There are various scenarios taken into account and a shopper may not always be eligible for a voucher. If they are not, then they move through the standard returns process and are provided a shipping label. If they do qualify, they will then be provided Instant Refund Voucher or passed through the Exchanges process, depending on the Merchant and Return Reasons.
Additionally, if products were purchased with a gift card or Returnly Voucher, the shopper will not qualify for an Instant Refund or Exchange.


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Martin Cook MA MCIFA FSA Scot
Martin is a Director of AOC, Head of Fieldwork and is responsible for all aspects of Health and Safety.In the years between graduation and this full time post he worked as self employed field archaeologist. Martin has been based in Edinburgh since graduating and was formally employed by AOC in April 2001. Martin has managed over 300 fieldwork projects for AOC, ranging from watching briefs to excavations. These projects have included 30 excavations ranging from prehistoric structures within the world famous Kilmartin Glen to the year-long excavation of modern industrial structures during remediation works at the Commonwealth Games site, Glasgow.
Martin has worked closely with Historic Environment Scotland on various infrastructure projects, and with the Human Remains Call Off Contract, in which he was responsible for the excavation of six cemetery sites, in Orkney, Barra Taransay and mainland Scotland. In addition, Martin has worked closely with the City of Edinburgh Council, as project manager for the excavation within the listed building Tron Kirk, and the ongoing community excavations at Cramond Roman Fort and Bath-house (2005-present).
Martin has carried out research excavations as co-director in Moray (Moray Enclosures Project) and Aberdeenshire (Cairn More) and has spoken widely on the results of his excavations and research.
Aside from AOC he has a keen interest in public archaeology and was the Secretary of the Midlothian Young Archaeologists Club, between 2005-9, is a Fellow of the Society of Antiquaries, and is a member of the Prehistoric Society and Glasgow Archaeological Society and a Member of the IFA.
Selected Bibliography
Cook, M. 2006 'Excavations of a Bronze Age Roundhouse and Associated Palisaded Enclosure at Aird Quarry, Castle Kennedy, Dumfries and Galloway' in the Transactions of the Dumfries and Galloway Natural History and Antiquarian Society, Volume LXXVI, 2006
Cook, M. 2006 'Neolithic and Iron Age Structures at Grantown Road, Forres, Morayshire' in Northern Studies Volume 40, 2006
Cook, M. 2007 'Early Neolithic and Ritual Activity, Bronze Age occupation and Medieval activity at Pitlethie Road, Leuchars, St Andrews' in Tayside and Fife Archaeological Journal, 2007
Cook, M. 2009 'Bronze Age Cremation Practice in the Scottish Borders' History of the Berwickshire Naturalists' Club, Vol.51, Part 2, 2009
Cook, M. 2008 'An Early Christian Vallum at Dunning?' in Tayside and Fife Archaeological Journal, Vol 14, 2008, 9-15
Cook, M. 2010 (with Alison Sheridan and Clare Ellis) Excavations at Upper Largie Quarry, Argyll and Bute, Scotland: New Light on the Prehistoric Ritual Landscape of the Kilmartin Glen, Proceedings of the Prehistoric Society 2010


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About Georgia
76.4 miles of the AT is in Georgia. The North Georgia mountains are nothing like the rest of Georgia. The mountains are substantial, the highest peak is taller than 3 1/2 Empire State Buildings. The southern terminus at Springer Mountain (elevation 3,780 ft). An 8.8-mile approach trail (not part of the AT) begins at the Amicalola Falls State Park visitor center. At 4,458 feet, Blood Mountain is the highest point on the trail in Georgia.
A huge thanks to: Charles and his wife for everything, I cant thank you two enough, everyone who hung out around the fire with me prior to flying out of Illinois, my mom for telling me you should rather than your crazy when I told her I was considering this hike, My old boss Juan for the gear upgrades and for being supportive of my decision, Michigan for giving me training grounds that aren't flat like Illinois.
Lao Tzu said "The journey of a thousand miles begins with one step." I made camp and will climb Springer mountain before dawn to hopefully catch an epic sunrise and make that first step on the A.T.
February 23rd 2017 8:19 PM – Today's Miles: 7.3 – Trip Miles: 7.3 – 54°F – Elevation: 3091 feet
February 24th 2017 9:32
Walking in clouds today
This is what happens when people don't do shakedown hikes. You owe it to nature to be prepared. If you pack it in, pack it out!
February 25th 2017 5:30 am
Thunderstorms for breakfast. I decided to stop short of my target yesterday with thunderstorms forecast for this morning and I'm glad I did. I took advantage of one of the 3 sided shelter's sprinkled along the trail.
No Place I'd rather be!
Jason Scarpetta


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Or would I list a card for 350. Make the trade then lower the price to .10 and then end it?
Bring me your Bickford, Ryan McMahon, Senzatela and Peter Lambert cards
Or would I list a card for 350. Make the trade then lower the price to .10 and then end it?
Bring me your Bickford, Ryan McMahon, Senzatela and Peter Lambert cards
Please note: Card collecting is my hobby, not my life. I don't take it that serious and like to keep it fun.
Sent using my two hands, ten fingers, a keyboard and an internet connection.
In an earlier post in this thread, you wrote:
ebay and complete them on FB.There is nothing wrong with listing an item eBay and pulling it if there are ZERO bids. Absolutely nothing.
I list stuff on eBay and in Facebook groups. If it sells in a Facebook group, I end the listing on eBay. Granted I currently only do BIN/BO, but should be no different if auctioning it off and the item has ZERO bids, I should be able to end the auction without incurring fees.
ebay. Ebay gives your cards visible and drums up interest for bids if you'd ever let your cards run on ebay.
of course you do. You list on ebay, cancel your ebay listing when you sell it on FB.I do not cross platform endorse my products! Again, that was your assumption!
if you sell on FB, don't list the card on ebay to generate interest in completing the trade on FB. It's apparently sellers like you that caused ebay to change their TOS so they aren't promoting off-ebay sales without getting anything from it between the free ebay listing you get and the lack of FVF since it's sold off platform.I CAN sell my product anywhere I choose! Ebay's TOS Does NOT state that I cannot sell elsewhere! If it does, show me, as I cannot locate that specific language you speak of!
[/quote]Ebay gives specific instructions on how to end listings early, what fees will be associated (IF ANY) with ending early![/QUOTE]
and that's what they are tightening up on starting November 1st due to abuse of their website. You can cancel it now but they get the legal right
in November to determine whether or not they collect a FVF from you for canceling your listing because they think you are completing a sale offsite.
I'd also disagree with your statement about ending an auction early with zero bids because there are probably snipers standing by at the end of the auction to give your item bids so you don't know for sure there are zero bids on your item.
Last edited by rsmath; 09-20-2017 at 07:00 PM.
ebay will charge FVF on recent completed sales or use a well know, established price guide like beckett to give an estimated value to calculate the FVF.
Obviously what you do is don't list the item on ebay and post your FS/trade only on BO, Twitter, FB, whatever and complete it there without involving ebay.
I'm pretty sure the FVF will only be charged if, and only if, a seller had contact with a prospective buyer using eBay's messaging system about a product the seller was offering, and then said product all of a sudden was no longer for sale.
Without that verifiable contact through eBay, there's no way for them to legally prove or even assume that the product was somehow sold or traded or lost in a fire/flood or pulled back because the seller simply changed their mind about selling the item.
That allows us to cross-promote our items anywhere we want: on our personal web sites (like 4SC does) or Facebook groups or message boards or anywhere else. None of those buy/sell/trade discussions are initiated using eBay's messaging system, therefore no eBay terms of service are violated.
That's my take, anyway.
If someone wants to get around this, AND that's if. I would say the best route would be to sell the card elsewhere, say were talking a $100 card, and don't end the listing, but jack the price up to $1000, where it wouldn't sell... Yes/No?
Will Clark / Mike Brown Collector
eBay needing to protect its interests but this should be a solid work-around to how they worded this new policy.
Always Looking For Adam Dunn Autograph Cards, 1/1's And Game Used Bats!
I think the original poster had it right and the subsequent conversation has avoided the truly pernicious nature of ebay's TOS change. Throwing out some thoughts now as seen through my philosophical lens:
I am a believer in laissez-faire capitalism. That is largely NOT what we have in western society I might add. It tends more toward corporate fascism and features gov interventionism (Central Banking policies, health care, etc, etc). Special rules apply to the large, the powerful, the connected. But you know what? Ebay was one of the last bastions of real capitalism on the margins. And what was beautiful about it was that its platform made capitalism and a wide potential buying pool openly accessible to anyone. Now granted, FVF was a mere 1.5% when I started there in the late 90's, and they have since ratcheted up, stabilizing at the present 10% for most categories. But it was largely hands-off. And in that time ebay has flourished, generating real, significant earnings – this contrasted with companies like Amazon, Netflix, Twitter, and a host of other Dot Com 2.0 companies that do not actually make money.
What is this new TOS from ebay? It is toxic interventionism. It represents that they own you and your ability to sell, and not just through their ebay.com portal, but everywhere. Think about that. Through their autocratic role as judge, jury, and executioner they will not simply monitor your messages, but now they will at minimum monitor your paypal transactions. And anything that did not originate on ebay? Well let's try this scenario out: "You once tried to sell something for $50 and you curiously just received $50 in your account. I am pretty sure that is related and I will take my 10% cut until you prove otherwise." You cannot prove a negative. This is heavy-handed aggression plain and simple.
I am also a firm believer in the old axiom that goes something like this, "Take your hand and run it through a pile of sand. Held loosely, with an open hand, the sand remains where it is. The minute you close your hand and squeeze tightly, the sand trickles through your fingers. You may hold on to some of it, but most will be spilled." This is really a pathetic move by ebay. They are deluded into thinking they own both their buyers and their sellers. And by putting this clamp down they will somehow generate more sales. They will not. Aggression, and make no mistake that is what this is, drives away business. Personally, I find this TOS change offensive. The sort of thing a company like Equifax would do. Going forward I know I will attempt to drive more sales outside of ebay through existing customers, even if for less money. Partially driven by my philosophy to avoid supporting those clowns for sure, but also as a risk mitigation. Why do business at a place where they may try and block your account, issue you a bill without cause, hold your funds via paypal, or who knows what else? Forget that.
Now, finally, the door has really opened. If another sports card transaction & auction site can open up and create a critical mass of seller's inventory, then ebay can be left in the dust. You can only squeeze, threaten, and extort your seller base for so long before they go elsewhere. I know personally I have approx. 15,000 pre-prepped items that I can take and list for sale anywhere and would gladly do so given favorable terms. I just continue to sell via ebay (only with free listings - I do not pay for the right to possibly sell my inventory) as items sell there at a premium.
But what about comc? Is not the entire premise of the COMC/ebay listing practice exactly what this TOS is about? I never buy a single card from COMC on ebay. But when I see a COMC card there that I want, I go straight to COMC.com and buy it there. And almost always the item there is cheaper and many times even on sale! Or will ebay instead take a model from our gov and initiate a two tier justice system. Where mega sellers like comc or even Burbank via Beckett Marketplace are exempt from this TOS, and perhaps they pay a monthly "fee" on the order of $10,000 or more in order to keep their cross listing non-ebay transacting practice alive? After all, that is the very nature of who we are now – selective enforcement. Granted ebay's BS TOS is a far cry from the US Constitution. As an add-on to Ryan's commentary I can see these suggestions as advice in navigating this anti-commerce TOS change:
1. Get a new paypal account. One completely non-connected to your ebay email address/paypal account. Do not commingle funds. Use this for any direct business. Avoid putting excessive text into the transaction logs just in case.
2. Minimize the use of ebay messages. It is clear they will be used against you.
3. Do not use a debit card or checking account on file for payment of ebay bills. Use a credit card so as to be protected by a stronger payment dispute policy.
4. Keep very little funds in any of your paypal accounts.
a. Less money for ebay/paypal to steal
b. Don't let them make money on the float and indirectly support their paypal usury practices of "buy now, pay later!"
5. Do not ask sellers to transact off ebay, at least not directly via ebay msg. It is immoral to knowingly cause force to be initiated upon another, even if you are not the one initiating force. Instead, engage in a very small transaction with them. Pay via paypal, and get their email address in your receipt of payment. Then contact them directly via email and continue discussion there. Until ebay gets every email provider on board to read your emails (or if they recruit the NSA, lol!) they will be toothless.
"A fanatic is one who can't change his mind and won't change the subject." --Winston Churchill
[MENTION=2800]chippercards.com[/MENTION] 2020
Bring me your Bickford, Ryan McMahon, Senzatela and Peter Lambert cards
Please note: Card collecting is my hobby, not my life. I don't take it that serious and like to keep it fun.
collecting focus:
Brett Butler | Shawn Green | Vintage baseball - football | Dodger collection scans: 1909-1982
It's all the buyers faults for doing outside ebay transactions..
They want it cheaper and this is the only way to get them to buy cheaper while the seller doesn't lose money.
So in reality, Selling off ebay is helping "ebay buyers" save money as ebay always likes the buyers more than their real customers, the sellers.
Check out our Baseball singles at https://www.casebusters.com
<--------Check out our Group Breaks & Vintage Set breaks on ebay
Wanna sell off ebay to buyer cheaper, on BIN only, or auction before a bid? (btw, I never end auctions once I list).
Just change the title and price, have the buyer buy that item and you sell the real item you want..
I ended 3 auctions last week because I omitted a couple key words in the title and relisted them. Not sure if I had to pay the fees for making a mistake..
I listed a 1952 Topps Pete Reiser PSA 1.5 and forgot to add the gray back in the title so I ended it..
That's only a $4400 mistake. lol
Check out our Baseball singles at https://www.casebusters.com
<--------Check out our Group Breaks & Vintage Set breaks on ebay


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Many years ago I was lucky enough to have summer jobs working as a busboy in the Park Schenley restaurant in Pittsburgh. This summer job allowed me to earn the $600 necessary - with generous financial aid - to attend Northwestern University for my undergraduate degree. It was a tough job. On Satudays we started set-up at 10 am and were not finished until clean-up at 2 am Sunday morning. There was a break from 3pm-5pm when I took a nap in the Carnegie public library.
Good times. And I was very fortunate because at that time the unemployment rate in Pittsburgh was about 25%.
Fast forward to the present. I've been going to Zipp's liquors for many years and have been very impressed by the hard work put in by Andrew and Jennifer Schoenzeit, a brother and sister team who are the owners of Zipp's, a liquor store on Franklin Avenue in the Seward neighborhood. Zipp's is an excellent example of a locally owned community business. Their prices are reasonable, they have a decent selection of wines, and trustworthy people to help you in selecting the right wine.
I have been rather confused lately in trying to figure out what would be the actual effect of the proposed increase in alcohol tax being discussed at the state capitol. Some say that it will only be seven cents per glass of beer, but others claim that it will be a lot more. When I asked about this Ms. Schoenzeit provided me with some information that is quite striking concerning current alcohol taxes in Minnesota and in other US locations.
(Used with permission)
The striking thing about this illustration is the high penalty that alcohol vendors in Minneapolis pay compared to the rest of the state. But even the tax outside of Minneapolis is quite high compared to our neighbors and places in the rest of the country.
For example:
(used with permission)
So my point is: the taxes paid on alcohol are ALREADY higher in Minnesota than in other locations. Any further increase should be very small and that does not appear to be the case.
Some other things to consider include whether a tax is progressive or not. If you can afford Veauve Clicquot the additional cost of the tax is probably not going to affect your decision to purchase it. However, if you are a beer drinker of modest means an increase in cost of, say, two dollars for a twelve pack may change your choice of beer brand. That is why in graduate school, I drank Buckhorn, the absolutely cheapest beer available at the time. Nowadays, my favorite is Summit.
The great increase in quality of craft beers like Summit has been a boon to new businesses including breweries in the state. Even local restaurants like the Birchwood now serve beer and wine. And I have yet to see anyone in the Birchwood who had too much to drink.
So I hope that our state legislators and the Governor will keep these points in mind while trying to decide what taxes they raise. Unintended consequences of this action may have a devastating effect on businesses that depend on alcoholic beverages as part or all of their revenue.


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Birdman Chronicals Volume 1, is a compilation of Hawaiian Pro Design team riders ranging from high performance tail surfers (Kaitlin Maguire, Kai Salas...) to single fin noseriders (Noah Shimabukuro, Tommy Witt...).
Mike Stidham, Kaimana Takayama, Kai SalasWatch Trailer
|What do you watch to get your blood pumping? What makes you so energized to take on the world? That would be "Birdman Chronicals Volume 1"! Birdman Chronicals Volume 1, is a compilation of team riders from Hawaiian Pro Design, ranging from high performance tail surfers (Kaitlin Maguire, Kai Salas...) to single fin nosesliders (Noah Shimabukuro, Tommy Witt...). Check it out, and get your stoke on! yewww!
|Mike Stidham, Kaimana Takayama, Kai Salas, Tory Gilkerson, Brendan White, Kaitlin Maguire, Devon Howard, Noah Shimabukuro, Tommy Witt, Josh Constable
|Taylor Larison
|Taylor Larison
|Birdman Media
|not rated
|Running Time
|14 minutes
|Audio Language
|English | Stereo
|Download Resolution
|SD | 848x480 (210.27 MB)
|Streaming Resolution
|HD | 1280x720
|Additional Features
|Chapter Markers
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About Us
Providing Quality service To the Triad Area of North Carolina since 1984
The Goodson Tree Service motto:
"We will go out on a limb for you" AND "whatsoever we do, we do as unto the Lord"!
"My name is Ronnie Goodson and I have been serving the Triad since 1984. I will be more than happy to set up a time when I can come to your place, walk around, and listen to learn how I may be able to best meet your needs. I will personally take care of you with a free estimate."
We look forward to providing you with our services in the future!
We stumbled on the following website: BIRTHVERSE
We found it interesting that this very scripture is also Ronnie's date of birth.
We hope you check it out and enjoy!
We hope you check it out and enjoy!
"And whatsoever ye do, do it heartily, as to the Lord, and not unto men; Knowing that of the Lord ye shall receive the reward of the inheritance: for ye serve the Lord Christ."
Colossians 3:23-24 (KJV)
Smile, God loves you!
Call Us Today In Winston-salem
♦ (336) 749-8209 Mobile
YP Reviews
Contact Information
Goodson Tree Service
3420 Dillon Farm Rd
Winston-Salem, NC 27105
Winston-Salem, NC 27105
Mobile: (336) 749-8209
Email: email@example.com
Created By YP Intellectual Property LLC


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100 Questions for the Presidential Debates
1. Why don't you show yourself?
2. Why do you let your followers murder and rape us?
3. Why do you make your followers suffer so much?
4. Why are there so many conflicting religions?
5. Who can hear you and communicate with you?
6. Why is there war?
7. What is my purpose here?
8. Will I have life after death?
9. Why do bad things happen?
10. Is there intelligent life elsewhere?
11. How long will I live?
12. Why quantum mechanics?
13. Why turbulence?
14. What did Miss Susie's steamboat do to deserve hell?
15. What happened to Natalie Holloway?
16. Do you think East Coast rap is better than West Coast rap?
17. What is your favorite internet meme?
18. Can you explain the popularity of anime to me please?
19. Do people with mullets know they have mullets?
20. WTF happened at the end of
21. Do you really love me?
22. Can I have a jet ski?
23. What do you think about Lana del Rey?
24. Why is Taylor Swift's life so hard and full of breakups?
25. What happens when I die?
26. Why do dogs live only 1/7th as long as humans?
27. Why is sex so weird-looking?
28. Do you really care if I go to church?
29. Are there ghosts?
30. Could
Jurassic Park
really happen?
31. Do you sometimes LOL at Bill O'Reilly?
32. What would it feel like to jump into a pool of pistachio pudding?
33. What happened to my dog after he ran away from home?
34. Have you seen my spare cell phone charger?
35. Do I need (more) therapy?
36. Do you really care about abortion?
37. What platform do you think I should host my website on?
38. Do cell phones cause cancer?
39. Can you explain to me what my ex's problem was?
40. What's up with 2015?
41. How 'bout those Vikings?
42. What is everyone on the internet so mad about?
43. Is childbirth painful because you hate women?
44. What's your favorite thing to eat off a grill?
45. If you had to go to a desert island with only three things, what would you pick?
46. What do I need to improve the most about myself?
47. Do you think grad school is worth it?
48. Where can I buy the best tacos in the world?
49. Do you wish you had a bigger internet presence?
50. How are you going to update your brand to appeal to a younger demographic?
51. Does it matter who I vote for?
52. Do you think
is cool, or a tool of the patriarchy?
53. Is this mole cancerous?
54. Exactly how big is infinity?
55. Where
all those odd socks go to?
56. Who shot John F. Kennedy?
57. What's beyond the Universe?
58. What existed before time?
59. What are wasps for?
60. Why do our bodies have two of most things, but only one heart and one brain?
61. How did all the animals fit in a single ark?
62. Why don't insurance companies sue
for "Acts of God"?
63. Why is there pain and suffering in the world?
64. Why am I still looking for a job?
65. Should I marry this
66. Why did you let my family die?
67. Don't you care?
68. What is wisdom?
69. Are you pleased with me?
70. Do I have the right motives?
71. Why can't I hear you speak to me?
72. Has my fire gone out?
73. Does intellect get in the way of faith?
74. Do I try to fight battles only you can win?
75. What wisdom do you have for me today?
76. Am I using my resources to the fullest?
77. What are my spiritual gifts?
78. Do I see sins as you see them?
79. Do I see opportunities as you see them?
80. Do I see other people as you see them?
81. Should I view you as my God or my servant?
82. What wrong assumptions have I made about you?
83. If you could only tell me one thing, what would it be?
84. Have I lost hope?
85. Am I easily offended?
86. Are there any Scriptures I should do my best to avoid?
87. Am I fair to those who work for me?
88. Are you proud of my attitude toward money?
89. What exists in my life that shouldn't?
90. Am I doing what you called on me to do?
91. Who is watching me?
92. What am I afraid of?
93. Do my political views agree with your Word?
94. Do I live as though I really believe in miracles?
95. In what ways are you testing me?
96. Why are there machineries in the body that work ceaselessly, just to one day stop forever?
97. Why do things perish with time?
98. Why don't I have any control over my feelings?
99. Why do you make us get attached to things that have to end?
100. Why did you make us have expectations, knowing one day others would break them?
Posted 10/12/15
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https://mountainstreamgroup.com/integrated-marketing-communications/wp-content/uploads/2013/11/MtnStreamGroup-315-Machine-Design-Logo.png 1425 1425 Jeff Klingberg https://mountainstreamgroup.com/integrated-marketing-communications/wp-content/uploads/2014/11/mountain-stream-group.png Jeff Klingberg2013-11-20 13:16:372015-04-15 00:28:40Portfoilo Update: 315 Machine Design Logo
Portfoilo Update: 315 Machine Design Logo
315 Machine Design is a start-up designer and builder of custom machinery. The logo combines elements related to the design and construction of a machine: gear, shaft, wrench and bolt. Since they are located in the United States and want to promote 'Made in the USA' machinery we used red, white and blue colors and incorporated stars.[spacer]
Jeff Klingberg
President/CEO at Mountain Stream Group, Inc.
I'm an engineer at heart — learning new things, tinkering and solving problems. I'm passionate about helping companies succeed, manufacturing and promoting the need for STEM (science, technology, engineering and math) education.
Latest posts by Jeff Klingberg (see all)


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Benedict Subaru is a Proud Partner and Supporter of the Commerce Chenango!
Here at Benedict Subaru, we're proud to be in partnership with the Commerce Chenango. Since the Chamber was formally assembled in 1959, the Commerce Chenango has helped to grow and make a difference in our community by working with businesses and professional people in the community and acting as a resource to connect those people and in turn help our community thrive. When you join the chamber, you're connecting yourself and your business with a new business partner that can offer you new opportunities, resources, potential clients, and increased management expertise, all of which will help to grow your business and those around you to help the community flourish!
We're proud to be a part of the Commerce Chenango because it allows us to further be involved in the community here in the greater Norwich, NY area. We strive to be active in all facets of our community, and by teaming up with the Commerce Chenango, it allows us to be present and play a role in the economy and community development as a whole. It is our mission to continue in the advancement and growth of our community as a whole, and with the resources, connections, and size of the Commerce Chenango, we will continue to impact our community for the better for many more decades to come!
(Click for a Direct Link to Commerce Chenango)
Benedict Corporation has been a proud member of Commerce Chenango for 53 years!


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Hello, my name is Alicia, and I am a freshman with a major in wildlife biology and a minor in math. I was born and raised in Japan, but I moved to Maine about 5 years ago. I love to hunt, fish, and do other outdoor activities such as kayaking. I also love to do DIY projects (painting, drawing, present making) and my latest creation was a nail and string art of Maine.
I am available to tutor in the following subjects and courses:
- College algebra
- Elementary Statistics
- Precalculus
- Monday 6:00 – 9:00 pm
- Tuesday 9:30 – 12:00 pm
- Thursday 9:30 – 10:30 am


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Kerry Healey
President, Babson College
Kerry Healey became President of Babson College in July 2013, following three decades of service in academia, government and humanitarian work. Under her leadership, Babson has strengthened its reputation and position as the recognized global leader in entrepreneurship education, consistently ranked the No. 1 undergraduate school and No. 1 MBA program for entrepreneurship, and No. 1 for international students.
Prior to Babson, Healey served with distinction as the 70th lieutenant governor of Massachusetts, leading a range of initiatives for the Romney-Healey administration, including a successful bi-partisan effort to craft first-in-the-nation health care reform legislation.
Healey has led numerous philanthropic initiatives in the United States and abroad. In 2008, she was appointed as a founding member of the Executive Committee of the U.S. State Department's Public-Private Partnership for Justice Reform in Afghanistan. She spent more than a decade as a public policy consultant to the United States Department of Justice for Cambridge-based think tank Abt Associates, and she has been a fellow at the Harvard Kennedy School's Institute of Politics and Harvard's Center for Public Leadership.
Healey is a trustee of the American University of Afghanistan and the Prince Mohammad Bin Salman College of Business and Entrepreneurship in Saudi Arabia. She is a member of the Council on Foreign Relations and the World Economic Forum expert network. She serves on the advisory boards of the Harvard Kennedy School's Mossavar-Rahmani Center for Business and Government and Taubman Center for State and Local Government. Healey is also a member of the advisory council for Concordia and the Junior Achievement USA Board.
Healey holds an AB in government from Harvard College and a PhD in political science and law from Trinity College, Dublin.


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Each year during the Christmas Holiday Season our Senior High Youth and Bells Groups, Middle School Youth, and Emerging
Generation Group adopt multiple families to make their holiday special. This year we were blessed to be able to reach out a helping hand to those in need. A huge THANK YOU to all who
contributed to the Adopt-a-Family project this Christmas. We were able to provide toys, clothes, boots, bedding, household items and Giant gift cards for 3 families. This included 4
parents, 4 boys, 3 girls and a new baby due to be born in March. One family had recently moved into their own apartment and needed dishes and cookware which we were able to provide.
Another family had also recently moved into an apartment after being homeless. After the gifts were delivered the mom sent a note saying, "Thanks again oh so much! Our boys love everything they
received! Merry Christmas!" Thank you again!
For more information on how you can help please contact the church office.
Mill Creek Parish United Methodist
7101 Horizon Terrace, Rockville, Maryland 20855
Phone: 301-926-9024
Church Office Hours: Monday-Friday, 9am-1:00pm
Sunday Worship Service: 9:30am
"Our vision is to help youth gain knowledge and Understanding of Christ, who Christ is, what he can do in their lives, and to help them experience Christ in a personal way. Our mission is empowering youth to be Disciples of Christ, through worship, community, leadership, service, fellowship, teaching, and the sharing of their talents, in a safe and welcoming environment."
Sunday School- Sunday Mornings 9:30-10:30AM
Youth Group- Sunday Evenings 6-8PM
The Gathering (worship and Dinner)- 1st Sundays of the month 6-8pm)
Outings/Service Projects- Times vary


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This is a question that comes up for all engaged couples when putting together their guest list: Should we invite children? For some couples the answer is obvious and doesn't require much thought. Others need to think about it for a bit longer and weigh all the pros and cons.
No Kids – If you don't invite children you won't have to worry about kids getting antsy (or worse, noisy!) during the ceremony or underfoot during the reception. You can quickly cut down on the number of guests and you don't have to make sure everything, from the music to the drink choices, is kid-friendly.
Pro Kids – Keep everyone happy! Some people get offended when their children aren't invited to weddings and more parents will be able to come if the wedding is long distance or babysitting is hard to find. Most caterers and venues also have cheaper prices for children's meals so it won't add as much to the cost as filling those seats with adults.
Once you've made your decision, how do you let people know?
The best way to let your choice be known are through your invitations. Instead of listing Adults Only on the invitations or on your website, the etiquette-approved way is to only list the names of those invited on their envelope. If you aren't familiar with inner and outer envelope system Emily Post has a great explanation and guide for all situations. But to sum it up, when you're addressing your invitations to parents it goes like this:
This way you can get your point across quickly and efficiently without having to tell anyone they aren't invited. In general, it's a good rule of thumb to say who is invited, rather than who isn't.
What if you only want to invite some children but not others?
As the bride and groom, it is your prerogative to include whomever you would like to on your guest list (with some exceptions, for example people in relationships must always be invited with their significant other). But if you would like to avoid hurt feelings, the best way is to invite in circles. People will understand if the only children invited are your nieces and nephews but if half of your cousin's children are invited but half are not, you are definitely going to offend some people.
What age should the cut-off be?
Well the obvious answer is 18, but sometimes that can raise issues as well. For instance, what if some of your younger cousins are hovering around that age, maybe one is 19 with a 17 year-old sister? Before you decide your cut-off age you should evaluate your guest list and try to find a clear gap that avoids splitting up siblings as much as possible.
What if I want to avoid having a lot of kids, except for just a few I am close to?
A good way to invite only a few specific children you happen to be close with is to include them in your wedding party. If you are very close to your sister's daughters and your best friend's son, but otherwise you would prefer the wedding to remain childless you can include them in your wedding party as flower girls and a ring bearer.


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2018 Capital Budget and Drilling Plans
January 23, 2018
While Termo has largely sat on the sidelines for the last two years, we did continue to participate in our non-operated working interest positions, which included multiple Bakken wells, some drilling in Texas and Louisiana, and a working interest position in Weld County, CO.
As we enter 2018, we are eager to drill. Our current plans include two medium risk development wells in Fresno County to build upon our 2014 discoveries there. The Company also plans a moderate risk exploratory well in Kern County near our existing operations. The Kern County well is currently going through the local permitting process while the Fresno County wells have completed the local entitlement process.
In addition to the three exploratory wells, Termo will continue with its workover and enhancement plans of its operated wells in California and Louisiana. The Company hopes to bring some idled wells back on line in Wyoming as well.
Also in 2018, the Company plans to continue its rewarding non-operated working interest participation in multiple Bakken wells, several Niobrara wells in Colorado, and a small interest in three wells in Oklahoma's SCOOP/STACK areas.
Termo Featured in the Long Beach Business Journal
January 16, 2018
Ralph Combs was included in the Long Beach Business Journal's 2018 Economic Outlook Edition discussing "What is the 2018 outlook for oil from The Termo Company's perspective?" A few excerpts: We need to remain cautiously optimistic and not get too excited …. There are so many factors that could change the outcome. Will higher prices bring more US drilling or will rising drilling costs curtail it? Will OPEC and Russia hold steady on production curtailment through the end of 2018 per their agreement? We do plan on drilling at least one well in California this year, and possibly up to three. We will certainly use this uptick in prices as an opportunity to do work that we have been putting off… Our projection for the price of oil at the end of 2017 was $54.10 (so we missed it a bit) and when we surveyed the group last week, the consensus for the end of 2018 is $68.40…ask us again at the end of 2018 and we will see how we did!
Since we are a born and raised Long Beach company it is always an honor to discuss business with the greater Long Beach business community. Thank you Long Beach Business Journal!
Termo Says Goodbye to Long-Time Team Members
November 1, 2017
The last year and a half have seen several team members enter into retirement after decades of dedication to Termo. We are immensely proud of their longevity with the company and have ensured that their hard work and capable management has been passed on to good hands.
Our long-time Office Manager and Receptionist Raquel left to have a baby (whose visits bring lots of joy to the office). On the regulatory side, Rae Lynne retired to spend time with her family and partner in Northern California. Our Louisiana Supervisor, Jesse departed the lease he has called home for almost 50 years to spend time with his wife and family. In our Accounting Department, our long-time Controller Vince has retired to the Santa Barbara area. In the Land Department, Sarah is departing to the Blue Ridge Mountains of Tennessee to be closer to family.
All these team members have dedicated themselves to Termo and our success and we wish them the very best in this next chapter of their life.
Report from the 2016 - 2017 Annual Shareholders Meeting
August 1, 2017
While 2016 and the first half of 2017 have been challenging for the industry, and Termo, the news from Termo's recent shareholders meeting showed that business, and prospects, are on the upswing.
Termo made it through the downturn without lay-offs and with a minor amount of asset divestment. The Company participated in fifteen wells in 2015 and 2016, primarily in the Bakken but also an exploratory well in Louisiana.
The Company's debt level has continued to decline and is now almost 30% below its 2015 peak. While the 2017 CapEx budget remains modest, it has been bumped up 40% over 2016 levels.
Most significantly, operated and non-operated oil production is nearing its highest levels in seventeen years, just as oil is beginning what appears to be a sustained price recovery.
Find Us on Social Media
June 5, 2016
We may be old (83 this year!) but you can find @TheTermoCompany with the rest of them kids on social media. Visit us on Facebook (www.facebook.com/TheTermoCompany) for inspiring stories and updates and Twitter (www.twitter.com/TheTermoCompany) for the latest news and policy debates. We are still working on developing an Instagram account.
We look forward to hearing from you!


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Kids and Schools
Specialist School Programs
The specialist school cricket programs aim to develop young cricketers (male and female) by providing them with opportunities to excel in the game through the provision of quality coaching and access to excellent facilities in an educational setting.
The program's goal is broader than just skill development, offering a holistic cricket education that includes coaching, umpiring, history of the game, captaincy and an emphasis on fitness.
The cricket programs (run from year 7 to 12) are fully endorsed by the Western Australian Cricket Association and the Department of Education. The coaching staff are highly qualified, as well as being well credentialed educators who bring a love of cricket and a commitment to excellence to the specialist cricket program.
Selections are conducted by the cricket coordinators and a reference from a local club/coach/peer is also required. Applicants are put through a comprehensive selection process to ensure that only those students with the right attitudes and abilities needed to be successful in the program are identified. Whilst the selection process is of high importance, anyone with a genuine passion for cricket and a willingness to strive to achieve their best in the sport is encouraged to apply.
For more information about the courses, contact the School Cricket Coordinators:
Scott Ogilvie (Belridge SHS)
Sam Davis (John Forrest SHS)
David Aldridge (Kent Street SHS)
Any students interested in enrolling in a year group beyond Year 7 will need to contact the relevant Cricket Coordinator to enquire if any places are available.


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Admit it. You've bought some. Whether you own a Wii U or 3DS, you've bought an Amiibo or two. It's okay, you're among friends, we all have. In case you'd bought them all, Nintendo showed off a few new ones coming later this year. Personally, I'm excited for the ones themed around The Legend of Zelda: Breath of the Wild which unfortunately, aren't launching until 2017. I wouldn't blame you for letting out a "wah-hah!" when you saw Wario and Waluigi were coming this November, nor would Nintendo.
Follow this link to check out the new Super Mario Amiibo releasing this year and to get close-ups of the Zelda ones launching early next year.