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The moment of my greatness, Flickr
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Cemetery Archives: Pinner Cemetery
Pinner Cemetery
Pinner Cemetery is not quite as bad as it was when Meller called it a "desperate wasteland". The chapel is neat and not unattractive; the hillside location could, with a little work, look much better than it does. Susan Dunford's red granite armchair is the only monument of note, but worth a visit. The rest of the site, if the sunken and lop-sided memorials could be tidied a little, and some landscaping done on the currently rather bleak hillside, would be a more pleasant place for the bereaved to visit. And visit they do: on the Saturday morning we were here, this was busy. A cemetery like this might not be forever, might not be worthy of preservation down the centuries, but while it's being used, it should be less bleak than Pinner currently is.
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It's Your Story! Yes, Yours!
Saunders Medical Center sought to create a unique and superb facility serving their community. The new facility was built in 2007. Who did this? You...your neighbors....who serve the county. They created a facility to serve their own families and loved ones. Your community worked to design a clinic to serve your everyday health needs, a hospital to serve your urgent care, surgery center to repair, a therapy facility to rehabilitate you and and a long term care facility that is like no other.
A Community of Caring
Saunders Medical Center has the latest equipment and caring staff possible. We are not your typical rural hospital doing things small. We do it right and we do it big!
We have professionals in every area of our facility—they are passionate about delivering cutting edge technologies, the best service possible, and most importantly loving and healing care.
They are your neighbors, friends, family....and care for you as if you were family.
Be Well
Thank you for your interest in Saunders Medical Center and for looking to us for your healthcare needs. Regardless of one's needs, Saunders Medical Center offers the latest technological healthcare advancements, as well as the personal attention that we would want for our own families.
Services and programs of Saunders Medical Center are provided to all persons without regard to race, color, national origin, age, disability or diagnosis. Saunders Medical Center has been serving Saunders County for over 90 years, as a county-owned health care facility. The SMC facility consists of a critical access hospital, a rural health clinic and a long-term care facility, offering 19 medical specialties. SMC is owned and operated by Saunders County, a political subdivision of the State of Nebraska. See our non-discrimination policy here.
Care is delivered by board-certified physicians, as well as a highly-skilled staff of medical professionals and support staff. Emergency care is provided 24 hours/7 days a week. All services are conveniently located on our campus.
Saunders Medical Center is a member of the Heartland Health Alliance, 48-hospital member organization created in 1995 to help members enhance the delivery of rural health care. The goal of the Alliance is to ensure each hospital's local control and autonomy, while providing resources to address managed care issues and other changes in the health care environment.

subset: commoncrawl


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A critical look at the moments that turned the Bears, Bills, Texans and Saints into winners (and the Vikings, Panthers, Titans and Bucs into losers) on Sunday
It was another crazy week in the NFL, as eight of the 15 games played through Sunday night were decided by four points or fewer. To go a bit deeper inside the games, we'll take a look at four crucial plays that decided some of the closest contests.
Some of the points we'll discuss:
- How the Vikings got too cute against the Bears and have only themselves to blame for falling to 0-2.
- How the Panthers learned a valuable lesson: that communication is often more important than physical ability in the secondary.
- How a failure in his mechanics led to Titans quarterback Jake Locker blowing a critical play that should have delivered an upset win over the Texans.
- And that without a heads-up play by Saints outside linebacker Junior Galette, Drew Brees and Co. might never have gotten back on the field to beat the Buccaneers.
Minnesota at Chicago
Score: Vikings 30, Bears 24
Time: 16 seconds in the fourth quarter
Situation: Chicago's ball, 3rd-and-10 at Minnesota's 16
Result: QB Jay Cutler 16-yard touchdown pass to TE Martellus Bennett
Bears personnel: "11" or posse (one back, one tight end, three receivers)
Vikings personnel: Nickel (five defensive backs)
What happened: Extremely curious call by Vikings defensive coordinator Alan Williams given the situation—if it was executed correctly. "They're not going to like what they see on film," Cutler said after the game. "It was two-deep (safety coverage), they should've had a pretty good play to defend it." But the Vikings never got into their two-deep coverage, and that put cornerback Chris Cook on an island with no hope of rescue.
Instead of playing their usual Cover 2 (two deep safeties), one safety, Jamarca Sanford, lined up between the left end and tackle, showing blitz. The other safety, Harrison Smith, was barking out calls to the right of Cutler, putting four defensive backs on a side where there are only two receivers. Cook (20) realized he was all by himself against tight end Martellus Bennett (83) and receiver Earl Bennett (80)—and possibly running back Matt Forte if he released—and motioned for Smith to help. Sanford didn't retreat very far, and Smith didn't get there in time. That put Cook in a bind: should he stay with Earl Bennett, running up the seam, or sink to Martellus Bennett, running a wheel route to the pylon after he and Bennett switched (crossed) off the line? Cook tried admirably to play both, and would have made the play if not for a terrific back-shoulder throw and catch from Cutler to Martellus Bennett for the game-winning touchdown.
"The play is designed to try and squeeze the corner, and open up an outside lane," Bears coach/play-caller Marc Trestman said. "And if he squeezes to cover the wide receiver then the outside lane is available. It was going to be a tight throw anyway. The coverage was right for the play. But still, they had to execute the play."
The coverage was right by the Vikings, but because they were consumed with bluffing Cutler into believing it was another coverage, the Vikings ended up outsmarting and burning themselves. "The corner got a little sneaky, came down with Earl (Bennett), and the safety stayed tight too, gave us a shot," Cutler said.
* * *
Carolina at Buffalo
Score: Panthers 23, Bills 17
Time: 6 seconds in the fourth quarter
Situation: Buffalo's ball on Carolina's 2-yard line
Result: QB E.J. Manuel 2-yard touchdown pass to WR Stevie Johnson
Bills personnel: "11" or posse (one back, one tight end, three receivers)
Panthers personnel: Nickel (five defensive backs)
What happened: The Bills lined up in a 3x1 set with receivers Chris Hogan (15) and Johnson (13), and tight end Scott Chandler to the left of Manuel, and receiver T.J. Graham to the right. The Panthers showed an all-out blitz, so it was going to be man-to-man coverage across the board. Cornerback Josh Norman (24) was opposite Hogan, and D.J. Moore (20) was in the slot with Johnson. Moore motioned for Norman to be prepared to switch if they ran any sort of pick route. Johnson heard Moore and thought the play might be doomed. "The defender was yelling, 'Check the corner, check the corner,' to the outside guy," Johnson said after the game. "Listening to the defense, I thought the guy was going to jump out later, but he didn't." Norman told reporters after the game that he didn't hear the check. The Bills ran a smash concept, with Hogan running an in-breaking route and Johnson a corner to the pylon. The Panthers were in the right position, with Moore ready to drive on the crossing route, but Norman didn't switch to take Johnson. If Norman did, he might have intercepted the pass.
* * *
Tennessee at Houston
Score: Titans 24, Texans 24
Time: 1:14 in the fourth quarter
Situation: Tennesse's ball, 3rd-and-1 at its own 29 (the 2nd-down marker on the screen was a mistake)
Result: QB Jake Locker incomplete to WR Kenny Britt
Titans personnel: "11" or posse (one back, one tight end, three receivers)
Texans personnel: Dime (six defensive backs)
What happened: This is the type of play quarterbacks and receivers dream about. Game in the balance, the defense coming with an all-out blitz and the cornerback is playing off coverage. If the quarterback can get a clean look against pressure, it doesn't get any better than this.
That's precisely the situation that Locker and Britt (18) found themselves in against the Texans. Houston defensive coordinator Wade Phillips brought the house with a cover-zero blitz, leaving just four players in man coverage. Both safeties vacated the middle of the field and came blazing into the line as Locker called for the snap with 12 seconds left on the play clock. Since the Titans were using the silent snap count—the quarterback gives a signal and then the ball is snapped—the Texans were able to time the snap well as both safeties came barreling into the line. Still, it was picked up beautifully as running back Chris Johnson took out safety Shiloh Keo in Locker's passing lane.
Despite having a clear picture and a clean pocket as Britt ran a shallow snap route with cornerback Jonathan Joseph about five yards off, Locker rushed his throw. Instead of stepping toward Britt, Locker stepped to the sideline, which caused his front shoulder to fly open in that direction as well. When the front shoulder of a quarterback flies open, that usually leads to a high pass. Locker's throw was not even catchable for the 6-foot-3 Britt. If it was, he might have scored a touchdown since there were no defenders in the middle of the field.
One of the most important qualities for an NFL quarterback is the ability to stand firm in the pocket in the face of pressure and deliver the ball on target. Locker didn't on Sunday, and he's going to have to prove that ability if he's going to continue to be the Titans' starter. (The Texans, in case you missed it, won 30-24 in overtime.)
* * *
New Orleans at Tampa Bay
Score: Buccaneers 14, Saints 13
Time: 1:56 in the fourth quarter
Situation: Tampa Bay's ball, 3rd-and-6 at New Orleans' 32
Result: RB Doug Martin 3-yard rush
Buccaneers personnel: Tank (two backs, two tight ends, one receiver
Saints personnel: Base 3-4
What happened: The Saints had just taken their final timeout, so if the Buccaneers had converted this third down, the game would have been over and Saints quarterback Drew Brees never would have gotten a shot to drive the field for a game-winning field goal. Bucs offensive coordinator Mike Sullivan had to strike a balance between making sure the clock would run after the play with staying aggressive enough to get a game-ending first down. The play Sullivan called—a counter toss—was a very good call, and it would have done the job had left outside linebacker Junior Galette (93) followed the flow of the play like a majority of NFL players normally would.
The design was very good, and so was the execution by Tampa Bay. The initial movement of the play was away from Galette: Martin took a step to his left, and the fullback blocked that way and even the right guard pulled to that side. The entire front seven of the Saints flowed to that side, except Galette. He must have read quarterback Josh Freeman coming out from center to the right, or quickly saw Martin come back to the right. Whatever Galette's key was, he was spot on. He took two steps up the field in perfect position with his shoulders parallel to the line of scrimmage. When Freeman pitched the ball to Martin, Galette sprinted outside of Martin to force him back to the inside. The slight adjustment allowed the Saints' pursuit players to make a tackle three yards short of the first down.
The play is predicated on Galette being fooled by the run action and being sucked up inside. If that happened, the play would have gone for a first down because the Bucs had the rest of the play blocked reasonably well. But because Galette stayed home, he blew the play up and gave Brees a chance to put the Saints in scoring position. Even more amazing is that Galette, despite getting a piece of Martin's leg and being the key to the play, wasn't even credited with a tackle.


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Amazon Warehouse Operative - Mid Shift
- Recruiter
- Adecco
- Location
- Birmingham
- Salary
- £7.65 per hour
- Posted
- 06 Oct 2017
- Closes
- 13 Oct 2017
- Sector
- Transport & Logistics
- Contract Type
- Full Time
Warehouse Operative
£7.65ph day shifts and mid shifts
£9.36ph night shifts
Overtime between 40 and 50 hours per week, £11.48ph plus £1.71ph night shift supplement.
Overtime over 50 hours per week, £15.30ph plus £1.71ph night shift supplement.
Rugeley – BHX1
Would you like to work in a fast paced, dynamic Amazon Warehouse? Get paid time and a half and double time for overtime? Work the same hours each week? Work on the same days every week?
Adecco are one of the largest Recruitment agencies in the world who have partnered with Amazon, one of the largest online retailers in the world, who are as candidate focused as they are customer focused and have warehouse employment opportunities in your area today!
As a Warehouse Operative you will be working at the heart of this world class, rapidly growing business who pride themselves on being earth's most customer centric company; a warehouse that stocks and delivers anything from daily essentials to the latest must have luxury items to households, business and lockers across the world.
The typical shifts for a Warehouse Operative in Rugeley start from 07:45 until 19:30 on days or 19:30 until 06:00 on nights. Transport will be available from Stoke to the warehouse in Rugeley. Transport to work is available from selected locations, please ask for more details.
Starting employment as a Warehouse Operative with Adecco couldn't be easier; the quickest way is to visit:
- Our website via the 'Apply' button to complete an online application form.
- Once completed one of our friendly team will call you back to arrange the best time for you to call in to your local hiring event.
Computer skills a little rusty? Not a problem you can either:
- Call our fantastic team on 0333 0433871 between 08:30 - 17:30 Monday to Friday.
üPop along to meet your helpful local team at The Chubb Buildings, Fryer Street in Wolverhampton between 09:00 – 17:00 Monday to Thursday or 46-58 Pall Mall, Stoke-on-Trent.
Why delay any further? Jump online and apply today.
'Any offer of employment will be conditional upon successful completion of a Criminal Background Check. The Criminal Background Check will be initiated at the agency registration event.'
This job was originally posted as www.totaljobs.com/job/75982715


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Personal health and growth addressed.
Session are available these days individually with Lansing or with Jane. A few slots are saved for those who wish a collaborative with them both. Contact the Center with preference and openings.
Sessions available at the following appointment times:
10:30 am, 11:45 pm, 1:00 pm, 3:30pm & 4:45 pm
Rate varies depending on teacher(s). Please contact the IA® for specifics.


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We're really sorry but we've sold out of this product and are unable to obtain more stock. In most cases this is usually because the manufacturer has discontinued the product. We don't want you to miss out though so here's some of our best selling products which are similar to what you are looking for. Take a look and you could just find the perfect item. Just a small point to note - they might not have the exact features as the product you initially wanted so please be sure to check the features before you buy.
NETGEAR's ProSAFE line of antennas and accessories for 802.11b, 802.11g and 802.11n devices give you multiple options for maximizing the reach and performance of your wireless infrastructure devices. Every WLAN deployment is unique. For outdoor bridging applications, the ANT224D10 enables two wireless N access points with antenna take-offs to create a high-speed wireless bridge between them with two streams of data. By pointing two ANT224D10 antennas at each other, they can connect two wireless access points over 10,000 meters apart. Utilizing the advantages of wireless N, the ANT224D10 provides for wireless bridging at speeds many times faster than those based on 802.11g technology. Designed for safety, the ANT224D10 includes equipment to neutralize lighting strikes and keep your access points operational. With wall mounting and pole mounting options, the ANT224D10 can be mounted in a variety of locations for maximum performance.
|Product Description
|NETGEAR ANT224D10 - antenna
|Product Type
|Intended For
|Aerial Placing / Mounting
|Outdoor, indoor
|802.11 b/g/n
|Frequency Range
|2.4 GHz
|10 dBi
|Manufacturer Warranty
|2-year warranty
|Product Type
|Cable Length
|30 cm
|Intended For
|Aerial Placing / Mounting
|Outdoor, indoor
|802.11 b/g/n
|Frequency Range
|2.4 GHz
|10 dBi
Manufacturer Warranty
|Service & Support
|Limited warranty - 2 years


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Talk vs. Action
Sunday, April 30 2017 @ 06:00 AM CDT
Contributed by: John
Views: 504
Radio transcript for the week of April 30, 2017
John Allan speaks on "Talk Versus Action" on Seeking the Lost - International Radio.
Click here to listen to this program.
Maybe you've heard expressions like "Less talk, more action." There's time when talk is needed, but there is also talk that's to be avoided. Especially unproductive talk.
In 2 Timothy 2 we learn about action Timothy was to take and talk he was to avoid. We can learn valuable lessons from this.
Talk to Avoid:
- Remind them of these things, charging them before the Lord not to strive about words to no profit, to the ruin of the hearers. (2 Timothy 2:14)
- But shun profane and idle babblings, for they will increase to more ungodliness. (2 Timothy 2:16)
- But avoid foolish and ignorance disputes, knowing that they generate strife. (2 Timothy 2:23)
Actions to Take:
- Be diligent to show yourself approved to God, a worker who does not need to be ashamed rightly dividing the word of truth.
- Flee youthful lusts and pursue righteousness. (2 Timothy 2:22)
- And a servant of the Lord must not quarrel but be gentle to all, able to teach, patient, in humility correcting those who are in opposition, if God perhaps will grant them repentance, so that they may know the truth, and that they may come to their senses and escape the snare of the devil, having been taken captive by him to do his will. (2 Timothy 2:24-26)
How to Obey the Gospel
- Hear the Gospel: the death, burial, and resurrection of Jesus Christ (Romans 10:17, 1 Corinthians 15:1-4)
- Believe (Mark 16:16)
- Repent of your sins (Acts 2:38)
- Confess Jesus Christ (Matthew 16:16)
- Be Baptized - immersed in water - for the remission of sins (Acts 22:16)


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Hallo! We really enjoyed the feeling of 'freedom' that one experienced on tour. Although we travelled in a group, there was never the impression that we were 'forced' to participate in any of the (very well!) organized excursions. We were free to explore on our own, which was also excellently recommended by our guides. We believe that this aspect of your 'tours' really distinguishes you from the rest. -Thailand March 2015
We returned from the May Europe Tour on Friday last week. Many thanks for a great experience all the way from booking the tour to returning to SA. We had a wonderful time with CTheWorld and would definitely recommend CTheWorld to our friends and family.A special thank you to Kim and Jacqueline for looking after us so well while on tour!" -Europe May 2015
Thanks very much for all your effort in making sure we had the best experience on tour! We had a such a fantastic time it's something very difficult to explain to others. It's something that one must simply just do to understand the incredible range and depth of experiences one can take in over a short period of time. We've already recommended the tour to friends and family that have seen our photos. Hope to see you on anther trip in the not too distant future.


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If you are looking for a career that matters, there are various options available to help you reach your goal faster. The resources we have available will allow you to make an informed decision. Please fill in the form to download any or all of the free publications.
Please email me more information. I may unsubscribe at any time.


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Red Dog 1.0
A gambling game that depends a lot on luck, Red Dog is not popular in casino play, but is often played at home just for fun- the stakes are meaningless. Bet weather the next card will be of the same suit and lower than the first five cards dealt. There is a minimum bet of one coin and a maximum bet equal to the pot. All loses are donated to the pot. The game starts with one-hundred betting token. The game is over when you run out of tokens.
Info updated on:


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Today is really October 23rd, but I'm posting this as of the day I took these pictures and picked huckleberries – September 17th.
We've had this huckleberry bush for maybe 25 years. It's on the west side of our house, and it got happier over the years when the afternoon shade from the maple and cedar trees got deeper. So both time and more shade have given us this truly lovely bush that's about 6 feet tall and 4 feet wide. I try not to trim it so it has the most opportunity to produce fruit. This year, we picked at least a quart of huckleberries, and left LOTS on the bush, which the birds are now enjoying (along with the bright red fruit on the Korean Dogwood nearby.) I keep my elephant ears (colocasia) in pots next to this bush during the summer.
In the spring, I posted pictures of the blossoms on this bush – I think maybe of even the same branch. Pink blossoms to blue-black berries. So nice to see this tranformation!
This morning, as last Sunday morning, we made (gluten-free) Buckwheat Huckleberry Pancakes. I used the buckwheat pancake recipe from Bette Hagman's book, The Gluten-free Gourmet Cooks Comfort Foods. Great recipe. This week I used a little less buttermilk than the recipe called for, and added the huckleberries still frozen. What a treat!


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Post by Catriona McLeod, TAS. "Seeds are wealth. They are beauty. They are a symbol--a symbol of beginnings. They are carriers of aid, of friendship, of good will". - Victor Boswell: 1961, Yearbook of Agriculture. This weekend I will do three key things for the health of … [Read more...]
One plant that is definitely not a lemon
Post by Helen Sampson of The North Glass. Australians have some funny terms for things sometimes. If something doesn't work, it can be called a lemon. I owned a car once that turned out to be a lemon - broke down 10 km from home and never went again! However, if you've ever … [Read more...]
Dealing with excessive rain
by Catriona McLeod, TAS. As noted in previous posts about my coastal site, when it rains it really pours. This is of course typical of a Mediterranean climate: hot dry summers and wet cold winters – feast or famine. I am fortunate in one respect. Most of my garden comprises … [Read more...]
Making your own Fertiliser Tea
Guest post by Kathy Finigan, My Productive Backyard. What are fertiliser teas? Fertiliser teas are liquid fertilisers that you can make at home from everyday products and can be applied to your plants to enhance their growth. They can be made from just about any organic … [Read more...]
Parsnips – the ultimate winter vegetable?
Post by Helen Sampson of The North Glass. Nothing says winter vegetables to me like parsnips. To grow them you need a bit of patience as they take longer than most annual vegetables from germination until harvest. So if you are thinking about pairing some up with a warm winter … [Read more...]
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Academy of Executive Coaching
The Academy was launched in 2001 by John Leary Joyce who is also Director of the London Gestalt Centre. The organisation specialises in coach training for experienced executive coaches and combines theory and practice relating to advanced performance coaching, therapeutic skills and leadership development.
As well as promoting the Academy's programme, this vast site offers some interesting perspectives on the coaching field and its relationship with therapeutic methods.
ADDers is a UK-based, hugely comprehensive site providing information and support for ADD sufferers and their families
AMED is the professional network for people in individual and organisation development.Its aim is to help members to develop themselves and other people, as well as to make an even greater contribution to innovation and good practice in the workplace and the wider environment.
Australian Institute of Training and Development
Australian Institute of Training and Development
Official Belbin website including products, books and information relating to R Meredith Belbin, best known for his work in defining team roles
British Psychological Society
The professional body in the UK for setting and maintaining standards for psychologists.
Chartered Institute of Personnel & Development
With 100,000 members, The Chartered Institute of Personnel & Development is the professional institute for those involved in the HR and development of people in the UK
Coach4Executives is a self-proclaimed 'personal trainer for your mind, body and spirit'. Their business coaching focuses on development and achieving your potential, helping to enhance productivity and quality, building strong relationships with both employees and customers, and consolidating the strength of your organisation as a whole.
Coaches Training Institute
US-based Coaches Training Institute, now with a non-profit philosophy. Offers workshop-based training in the UK based on Co-Active Coaching methodologies. The book, Co-Active Coaching, is available from our bookshop.
US based coach training organisation which offers coach training via the telephone through 'tele-classes' along with one-to-one telephone sessions with a personal coach.
Cobweb is a site offering business-related information of relevance to small businesses.
Cobweb Information describe themselves as 'a dynamic young organisation whose resolution is to discover and publish original business knowledge. Cobweb strives to provide a complete service that will fulfil the fundamental needs of businesses and their intermediaries by delivering relevant knowledge that is instructive, informative, and revealing. Cobweb was established by the UK's pre-eminent enterprise agency, Project North East, an independent organisation created by a group of social entrepreneurs who have been pioneering innovative services for new start and growing businesses since 1980.'
Dick Hawkes Consultancy
Dick Hawkes is an EMCC accredited executive coach with a style that is very goals orientated, direct and challenging – looking for action and accountability. Dick has a long track record at senior level as a headhunter and has previous experience in other consultancy environments. Clients have included Bain, McKinsey, BSkyB, Thomson Reuters, Vodafone, The Natural History Museum, The Institute of Physics and The Institution of Civil Engineers. This gives him the combination of senior management consulting skills and up to date market relevance for advising on career progression, transition and management solutions.
Farmore IT Ltd.
Farmore IT provide small business IT support and website development throughout Central Scotland. Farmore were the first Microsoft Accredited Small Business Specialists in Central Scotland and have a wide portfolio of clients employing 2 – 25 staff.
Financial Times
The Financial Times website has recently been redesigned. Everything you'd expect from the FT – and more. Includes searchable archive of articles – many free for a period.
Institute of Directors
The Institute of Directors has a membership of over 60,000 directors and offers a variety of membership benefits
International Coach Federation
US-based non-profit federation promoting standards for coaches and coach training.
LifeMagic – William Barron
William Barron has developed this site to bring personal development information to everyone. A coach and business owner William bases his coaching on core ethics of helping, creativity, loyalty, trust, energy, honesty and fun, allied to strong people skills and lots of PMA.
Mentors Peer Resource Network
The Peer Resources Network (PRN) is a Canadian-based membership-based service provided by Peer Resources, a non-profit, educational corporation, specializing in the development of peer, coach and mentor programs.
Site operated by Hertfordshire TEC providing a useful source of mentoring news and activities
English Courses Britain
An English language course to learn english all day speaking english all day with teachers. Classes, meals and accommodation with teacher. Our maximum of 6 students per teacher will help you improve your english fast
Oxford Brookes University
Oxford Brookes University is one of the first to offer a Masters degree in coaching and mentoring.
Oxford Development Centre – Claudia Herbert
Claudia Herbert of the Oxford Development Centre is a Chartered Psychologist dedicated to bringing psychological approaches into business, to help people achieve better performance, greater fulfilment and professional as well as personal growth.
Professional Associations' Research Network
Professional Associations' Research Network is a membership organisation that has been set up with two main aims:
to act as a research facility for professional associations
to be a focal point for networking among professional associations from all sectors
soVirtual offers executive level client administration, secretarial services and project management mostly on a virtual basis. An example of these services available to individuals and teams include Well Being and Balance in Life, Project, Diary and Event Management, Travel Arrangements and a selection of services relating to every day administration that assist you within your business.
The Coaching & Mentoring Network
The Coaching & Mentoring Network is the UK's leading independent source of information on all aspects of coaching and mentoring.
The International Dyslexia Association
A large site providing information on a whole range of training and development.
Life Coach Directory
A support network of UK life coaches with information on their training and experience, areas of life coaching, fees and contact details.


text: Some more pics from this scene.. the most interesting ones! Alexis pops her masseurs big rod out and starts sucking it like mad while he rubs her clit. It gets very intense and they are both ready for action! He slides his pole into her young pussy and pounds her hard, then flips her around for some doggystyle! The scene ends with some cowgirl fucking and then missionary position.


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links & resources
Polar Land and Life: Information for Press
Return to Main Land and Life page
Press Releases
Polar Day: Land and Life Press Release
PDF version
Events organized by the University of Siena and the the Antarctic Museum in Siena for June 18th.
On Guard Against An Alien Invasion Press release from the Australian Antarctic Division profiling the 'Aliens in Antarctica' project. Also featured in ABC Catalyst.
To receive media notifications, please email or visit our Press Pages.
Permafrost Young Researchers Network Image Gallery
TARANTELLA image library
PHOENIX Mars Mission Gallery
Images from Polar Institutions
Frozen Stream Images from Antarctica
Scientists and Contact Points available for Interviews
includes websites, biographies, and contact points according to research area.


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Joseph A Sciotti
Main Address:
CC of Landfall/Nicklaus Course
800 Sunrunner Pl
Wilmington, NC 28405-5320
(910) 256-7635
800 Sunrunner Pl
Wilmington, NC 28405-5320
(910) 256-7635
Joseph Sciotti is a PGA Apprentice in Wilmington, NC. The PGA of America comprises nearly 29,000 PGA Professionals with one singular goal in mind - to make the game of golf more enjoyable for you.
Services Offered:
- Instruction
Professional has not entered award information.
Home » Golf Courses » North Carolina » Wilmington » » Joseph A Sciotti
PGA of America Championships
Bethpage State Park, Black Course
Farmingdale, New York
Oak Hill Country Club
Rochester, New York
Hazeltine National Golf Club
Chaska, Minnesota
Bluffton, South Carolina
Whistling Straits
Kohler, Wisconsin


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NEW YORK, Aug 22 (Reuters) – Forbes magazine ranked German Chancellor Angela Merkel the most powerful woman in the world for the second year in a row in the annual list dominated by politicians, businesswomen and media figures.
U.S. Secretary of State Hillary Clinton placed second, followed by Brazilian President Dilma Rousseff, making the top three spots unchanged from last year.
The list named women involved in policymaking, entertainment, technology and nonprofit organizations, among other fields. They were ranked according to influence, the amount of money they control or earn, and media presence.
One of the qualities that Forbes magazine targeted in choosing the most powerful woman in the world was influence. Influence is defined as: 1. Effect on something: to have an effect on somebody that helps to determine that person's actions, behavior, or way of thinking 2. Power to sway: the power that somebody has to affect other people's thinking or actions by means of argument, example, or force of personality 3. Special advantage: the power or authority that comes from wealth, social status, or position. 4. Somebody who can sway another: somebody or something able to affect the course of events or somebody's thinking or action. By definition, it appears that Forbes chose an appropriate quality to measure someone of power.
It would be fair to say that none of us will ever make Forbes list for most powerful woman or man. As Christians, our power and influence can be even greater and farther reaching than any of the women listed in the article. Let's take a look at the points listed in our definition and how they apply to our Christian influence.
Matthew 5:13-16 13 "You are the salt of the earth; but if the salt loses its flavor, how shall it be seasoned? It is then good for nothing but to be thrown out and trampled underfoot by men. 14 "You are the light of the world. A city that is set on a hill cannot be hidden. 15 Nor do they light a lamp and put it under a basket, but on a lampstand, and it gives light to all who are in the house. 16 Let your light so shine before men, that they may see your good works and glorify your Father in heaven. (NKJV)
In our scripture selection, Jesus states that his followers are both salt of the earth and the light of the world. Salt is used both as a preservative and a flavor enhancer. Pure salt cannot lose it's lose its flavor or its effectiveness. During Jesus day the salt that was taken from the Dead Sea was contaminated with impurities which created a flat taste and ineffective preservative. This ineffective salt was thrown to ground and trampled underfoot. Light has an amazing ability to drive out darkness. When light comes into a dark area then darkness must retreat. Jesus also gives an implied warning about covering up this light. A light that is covered has no influence upon its surrounding environment.
Being Christians that are the salt and light of the world should by definition make us the most influential people in the world. People of salt and light have the ability to effect change on the people around them. We also have a special advantage that comes through the authority of our real identity and the power of the Holy Spirit. We have the ability to sway others away from the darkness of sin by being the barer of His light.
If we are so powerful and influential then what happened? Our salt has lost its flavor and no longer preserves God's truth. We seek to please men rather than desiring our "good works to glorify God". We have compromised God's word and allowed impurities into our lives. We view the soft core pornography of network TV programming and no longer view it as impurity. We harbor resentments and protect our idols of self-indulgence. We cover the light of our Christ under the "basket" of fear. We fear that walking in the light may offend the people that live in darkness and we will be called intolerant or extremists. When our salt is impure and our light covered by fear then we look no different than the rest of the world. There has not been a major revival in this country in many years. That revival can begin today with you. Ask God to examine your hearts and minds for the impurities that make your salt ineffective. Ask him to remove the walls of fear that keep His light hidden from the world. Over 2000 years ago, Jesus took 11 men of non-influential background and status and changed the world forever. That was influence and power is still alive today. Will you be one of those people of influence? Will you let his light shine before men today? My hope and prayer is that you will be willing.


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Commercial Cooking Hood Permit
A commercial cooking hood permit is required prior to the repair or alteration an existing cooking hood, or installation a new cooking hood.
All work under a commercial cooking hood permit must be performed by a HVAC Contractor registered with the City of Pittsburgh.
How to Get a Hood Permit
- Apply in person at the Zoning Counter, located at 200 Ross St on the 3rd floor for an Occupancy Permit, if required (see above).
- Submit the completed Commercial Cooking Hood Application and check/money order to the Electrical Counter located at 200 Ross St, 3rd floor or mail them to:
City of Pittsburgh
Department of Permits, Licenses, and Inspections
200 Ross Street Room 320
Pittsburgh, PA 15219
- Department of Permits, Licenses, and Inspections staff reviews and processes the application. All Commercial Cooking Hood permits are logged into our queue and processed in the order in which they are received. Once issued, the permit will be mailed to the registered HVAC Contractor.
Items Required for Permit
- Commercial Cooking Hood Application completed by the applicant and PA licensed Architect or Engineer.
- Two sets of drawings prepared and sealed by PA licensed Engineer/Architect.
- If work is related to a building permit, a copy of the approved building permit.
- Occupancy Permit for all exterior equipment, such as a rooftop fans. In this instance, a separate check or money order is required for the Zoning filing fee.
- A Cooking Hood Suppression, Electrical and/or Fire Alarm permits may be required depending on the scope of work.
- A check/money order to pay the permit fee, due when permit is issued. We accept credit card payments at the counter. There will be a 2% + $0.25 convienence fee in addition to the permit fee.
The assigned HVAC Inspector and their phone number will be printed on the permit. It is the responsibility of the permit holder to arrange for all required inspections by contacting the HVAC Inspector. Inspectors are in the office Monday through Friday from 8:00 a.m. - 10:00 a.m., and are in the field for the remainder of the day.
- A rough-in inspection before any work is concealed.
- A final inspection when all work is complete.
All Department of Permits, Licenses, and Inspections fees change annually. Please consult the Current Fee Schedule below:
2019 Fee Schedule
Note once a permit or license has been issued, refunds are not provided.


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Ariana Satchel
Luana Italy
Luana Italy
- Leather exterior with nylon fabric lining
- Flap top with push lock closure
- Detachable adjustable shoulder strap
- Exterior magnetic button flap pocket
- Interior slit and zip pockets
- Measures approx 9.5" W x 9" H x 3" D
Top handle measures approx 12" with 4" drop
- Revolve Style No. LUAR-WY21
- Manufacturer Style No. LN10317G081
Launched in 1965 by Giuseppe Rosadi, Luana Italy was named after his daughter. The handbag brand is known for its femininity and cutting edge style with fresh yet timeless designs. As the company grew, and was passed down to its namesake, Luana Rosadi, it continued to grow and center itself on the authenticity of impeccable Italian taste.
If an item you would like to purchase is out of stock, you can place a Special Order Inquiry. REVOLVE will then check the availability and obtain an approximate arrival date for the item, if available. Typically, it takes up to 3-4 weeks to verify this information.
Placing a Special Order Inquiry is absolutely free and there is no obligation to follow through with a purchase.
- You will be notified by email once we receive the item.
- You may cancel at any time without penalty
- Your card will ONLY be charged when your order is shipped.
- Availability is not guaranteed.


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The Industries We Serve
From the tallest bridges to the deepest foundations, our products, expertise and services span the construction industry's most specialized industries.
Even the most durable concrete is bound to begin to deteriorate under constant exposure to elements such as air, moisture, and the use of salt in colder climates. Concrete that's in need of extreme repair could be a safety hazard for vehicles and pedestrians alike. A.H. Harris supplies a variety of cementitious repair materials for various repair methods, from shotcrete and form and pump to hand patching. And when you need materials fast, our delivery service can meet you on the jobsite to help save you time and resources. Our product experts can help you navigate our concrete repair and restoration product portfolio to help you find the best materials for the job.
A.H. Harris started as a family company and we still hold fast to those same values today. So when it comes to helping build someone's home, we know it's about much more than materials and supplies. Whether you're building a 1,200 square foot historic bungalow or a 10,000 square foot waterfront dream home, A.H. Harris helps residential contractors build better, safer, more sustainable homes. We serve residential contractors from Maine to the Carolinas, supporting them with high-quality construction supplies for site work, waterproofing and more.
Roads, highways and bridges are the paths that connect us, allowing us to get where we need to go and experience other cultures, see new places and navigate our everyday lives efficiently and safely. These complex infrastructures demand the utmost attention when it comes to quality and safety. At A.H. Harris, we're helping pave the way to a better building experience, offering a unique package that combines standard components with custom engineering for even the biggest projects. Our solutions are used on bridge projects from Maine to the Carolinas. We rent and sell cost effective heavy equipment and can deliver DOT approved material right to your jobsite. Our customers include state DOTs and some of the nation's largest construction companies — all of whom rely on quality supply and timely delivery.
From clearing and grading to excavating and erosion control, site work is an essential part of many construction projects, from residential and commercial projects, to highway construction and landfill development. Proper site work can mean many things depending on the type of job and the particular environment. At A.H. Harris, we're building the foundation for stronger, safer site work preparation through superior product selection, equipment rentals and jobsite delivery.
There's a reason the tilt-up construction industry is growing so quickly — it's the fastest form of construction from conception to completion, making it an attractive option to investors and stakeholders. We help supply the latest technology in tilt-up solutions and materials for a variety of construction projects, including warehouses, agricultural structures, correctional facilities, educational facilities, residential buildings, offices, hotels, buildings of faith and many more. Our knowledgeable product experts are happy to help guide you toward the best products for your specific project, so you can get the fastest form of construction completed even faster.


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Blue Winter's Path will be here soon...
Come visit my Zazzle Art Shop before the snows set in!
Update Dec 21, 2009: my excellent friend, libramoon, has penned a few lines of lovely wintry prose to go with the above scene...I turn you over to libramoon:
Traveling eternal twilight's hidden path
ever verging on ecstatic realization
touch to cold, to wisping snow, to winter
dreams barely beneath faith-scented falling sky
echoing life, sending faint refrain from shadow
beyond the winds of winter's night.
Visit libramoon's e-zine Emerging Visions for cosmically inspired Art and amazing flash Poetry!


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Tom Hanks and Steven Spielberg Are Planning Another War Film Together
Steven Spielberg has only directed Tom Hanks in three feature films (Saving Private Ryan, Catch Me if You Can and The Terminal). It seems like a lot more than that, however, because when the pair get together, the results seem so effortless you'd think they made every film together. Sadly they haven't made a film together in the decade since The Terminal, though that could soon change. The Wrap is reporting that both Hanks and Spielberg have just become attached to a new, currently untitled war thriller.
This time around the duo would be setting their sights on the Cold War to tell the true story of James B. Donovan, the lawyer who helped negotiate the release of pilot Gary Powers after Russia shot down his spy plane. A courtroom thriller where we all know the outcome may not sound like inherently thrilling material, but all one needs to do is think of Argo for a recent example of how a historical event with a known outcome can still be told in a thrilling and entertaining way. We're trusting that Spielberg, Hanks and their screenwriter Matt Charman have found that angle for this story.
The one big caveat to report right now is that Spielberg is not 100% confirmed to direct the movie. It has joined a small handful of films he's picking from for his next project, the other two being Robopocalypse and Montezuma. As appealing as a robo-war and a historical epic are, the combo of Hanks and Spielberg together again has us pulling for this untitled project over the competition, and we'll certainly let you know if it does see the light of day.
Follow @Petershall Follow @MoviesDotCom
Movies.com, the ultimate source for everything movies, is your destination for new movie trailers, reviews, photos, times, tickets + more! Stay in the know with the latest movie news and cast interviews at Movies.com.
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Today was the first day of Art Quilting. Since I have 10 hours to teach this class I've enhanced the curriculum to fit the great time frame. Instead of just using commercial fabric we made our own.
We started off with sun printing! Using only the primary colors the students, 9-12, made some gorgeous fabric out of plain old muslin!
Here she is starting her marker printing. With magic markers and sharpies we drew on plexi-glass, sprayed it with alcohol and printed our design to compliment our sun prints.
Instead of using commercial stamps we made our own using yarn cardboard, glue buttons and leaves! Then brainstormed for other recycled items we could use.


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Service is not available at the moment.
Could not find any departures for seletec station
Stai is a halt at the Røros line between Rena and Koppang. From Stai there are regional train services towards Røros, Trondheim and Hamar/Oslo.
Send us an email and we will help you.
Send SMS to 26112 with keyword JBV followed by your message.
Call 477 70 098 to order the assistance service. Open monday - friday 08 - 17, saturday/sunday 09 - 15.
Call 02009 to get voice controlled information about arrival/departure times fortrains.


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(860) 347-4688
Open 7:30am to 5:30pm Monday through Saturday. Closed Sunday.
Connecticut Rental Center
30 deKoven Drive, Middletown, CT
Have a long list of equipment? As you find the things you need for your project add them to your project list and save them until you're ready to kick things off!


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Price Changed to $259,900 in South Lake Tahoe!
2609 Sussex Ave South Lake Tahoe CA offered at $259,900
Lowest Price Per Bedroom in all of South Lake Tahoe! Fully remodeled single level 5 bedroom home on a large lot at a great price! Must see inside. Located on a cul-de-sac adjacent to bike trail with easy non-motorized access. New tile and laminate flooring throughout with new tile surrounds in both bathrooms and new plumbing throughout. New paint inside and out, dual pane vinyl windows. Separate laundry room, zoned HDR for future expansion. Bring the whole family, lots of room. Be sure to check out the Visual Tour: http://www.visualtour.com/showvt.asp?sk=202&t=3162619


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Obama: No Afghanistan pullout
WASHINGTON — President Obama won't walk away from the war in Afghanistan, the White House declared Monday.
Defense Secretary Robert Gates also appealed Monday for time and privacy for the president to come to a decision.
"Speaking for the Department of Defense, once the commander in chief makes his decisions, we will salute and execute those decisions faithfully and to the best of our ability," Gates told the annual meeting of the Association of the U.S. Army.
A fierce Taliban attack that killed eight American soldiers over the weekend added to the pressure. The assault overwhelmed a remote U.S. outpost where American forces have been stretched thin in battling insurgents, underscoring an appeal from Obama's top Afghanistan commander for as many as 40,000 additional forces — and at the same time reminding the nation of the costs of war.
Last week, the top U.S. commander in Afghanistan, Gen. Stanley McChrystal, called publicly for the administration to add more resources, which prompted a mild rebuke from Obama's national security adviser, James Jones, for lobbying in public.
Obama may take weeks to decide whether to add more troops, but the idea of pulling out isn't on the table as a way to deal with a war nearing its ninth year, White House press secretary Robert Gibbs said.
"I don't think we have the option to leave. That's quite clear," Gibbs said.
The question of whether to escalate the conflict after adding 21,000 U.S. troops earlier this year is a major decision facing Obama and senior administration policy advisers this week.
Obama also invited a bipartisan group of congressional leaders to the White House today to confer about the war. And he will meet twice this week with his top national security advisers.
Divided on Afghanistan, Congress takes up a massive defense spending bill this week.
Gates said Monday that Obama needs elbow room to make strategy decisions.
"It is important that we take our time to do all we can to get this right," Gates said at the Army conference. "In this process, it is imperative that all of us taking part in these deliberations — civilians and military alike — provide our best advice to the president candidly but privately."
Gates has not said whether he supports McChrystal's recommendation to expand the number of U.S. forces by as much as nearly 60 percent. He is holding that request in his desk drawer while Obama sorts through competing recommendations and theories from some of his most trusted advisers.
"I believe that the decisions that the president will make for the next stage of the Afghanistan campaign will be among the most important of his presidency," Gates said.
Gates' remarks came days after McChrystal bluntly warned in London that Afghan insurgents are gathering strength. Any plan that falls short of stabilizing Afghanistan "is probably a shortsighted strategy," the general said.
Jones, a retired four-star Marine general, said of McChrystal's comments that it is "better for military advice to come up through the chain of command."
At issue is whether U.S. forces should continue to focus on fighting the Taliban and securing the Afghan population, or shift to more narrowly targeting al-Qaida terrorists believed to be hiding in Pakistan with unmanned spy drones and covert operations.
Gates and Secretary of State Hillary Rodham Clinton said Monday the goal for the war remains to disrupt al-Qaida and prevent it from again threatening the United States, but they added that a reassessment of the means to do that is appropriate.
Speaking to CNN during a rare joint interview with Gates, Clinton said a "snap decision" about the next step would be counterproductive. The interview will air today.
Gates and some other advisers appear to favor a middle path. A hybrid strategy could preserve the essential outline of an Afghan counterinsurgency campaign that McChrystal rebuilt this summer from the disarray of nearly eight years of undermanned combat, while expanding the hunt for al-Qaida next door.
The top three U.S. military officials overseeing the war in Afghanistan favor continuing the current fight against the Taliban, and have concluded they need tens of thousands more U.S. troops beyond the 68,000 already there.
Officials across the Obama administration have acknowledged that the Taliban is far stronger now than in recent years, as underscored by the U.S. deaths in Nuristan province.


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May Madness:
A Guide to the New York Art Shows You Can't Miss This Spring
The first week of May offers an embarrassment of art-world riches—I can't remember a time in New York when there's been so much art I want to see. It's got a lot to do with the British coming to town—Frieze New York, which takes over Randall's Island the first weekend in May, will get a lot of New Yorkers (me included) out to that rarely visited location for the first time (see our piece on Cecilia Alemani, who curated the fair, in the May issue of Vogue). I'm especially looking forward to Laura Owens' masterful new still life at Gavin Brown's booth. She's been working on it for three years—seven linked canvases stretching nearly 24 feet long, in which she rethinks the still-life tradition.
The trend of galleries doing museum-quality shows ratchets up at least two notches on Tuesday, May 1, when the Acquavella Galleries presents "Lucian Freud Drawings," a show of more than 80 works on paper, the largest number of Freud drawings ever exhibited in the United States. The next night, May 2, brings the guaranteed blockbuster, "Picasso and Françoise Gilot: Paris-Vallauris 1943—1953," **John Richardson'**s fourth Picasso installment at the Gagosian Gallery—this one is at 980 Madison Avenue. (See _Vogue'_s interview with Françoise Gilot.) Next up, on Thursday night, is an unprecedented survey with rarely seen works of Lucio Fontana,curated by Germano Celant, along with Gagosian Gallery director Valentina Castellani. It's at the Gagosian Gallery on West Twenty-fourth Street, where six of Fontana's groundbreaking environments have been brought back to life. That same night, Skarstedt Gallery on East Seventy-ninth Street, shows three free-standing and one mounted bronze sculptural installations by the Spanish artist, storyteller, and legendary figure Juan Muñoz, who died at the age of 48 in 2001. Muñoz's bronze dwarf seems proud of his 33-inch height, with feet planted firmly on the floor.
Friday night, May 4, brings out two great portrait artists—Alice Neelwith late still lifes and trenchant portraits from the 1960s, 70s, and 80s at David Zwirner on West Nineteenth Street, and Richard Avedon at Gagosian two blocks north on West Twenty-first Street. "Avedon: Murals & Portraits" presents all four of his intensely confrontational photographic murals, up to 35 feet wide, its subjects larger than life—Andy Warhol and his superstars at the Factory; the Chicago Seven; Allen Ginsberg and his extended family; and the Mission Council, those military and government guys who masterminded America's disastrous involvement in Vietnam. And don't forget **Frank Stella'**s "Black, Aluminum, Copper Paintings" at L&M Arts (East Seventy-eighth Street), which opened two weeks ago and runs through June. It's a very rare show of the artist's watershed early works from 1958 to 1962. You even get to see Delta, which Stella himself considers his first black painting.
In addition to these historic shows, here's a sampling of what I don't want to miss in May:
—**Cindy Sherman'**s epic mural landscapes (which echo nineteenth-century landscape paintings) at Metro Pictures on West Twenty-fourth Street, feature Sherman (whose retrospective is on view at MoMA through June 11) wearing Chanel haute couture pieces from the twenties right up through **Karl Lagerfeld'**s recent collections.
—**Dana Schutz'**s first show of paintings at Friedrich Petzel Gallery, "Piano in the Rain," on West Twenty-second Street promises to be as rambunctious as ever, with a supersize flasher, a yawner (remember, Schutz is the one who painted someone in the act of sneezing), and characters who build a boat while sailing it.
—Les Lalanneat Paul Kasmin Gallery's two spaces, on Tenth Avenue and on West Twenty-seventh Street, includes **Claude Lalanne'**s brand-new bronze bench surrounding the casts of two life-size crocodiles and Teeny and Marcel Duchamp's big blue hippopotamus bathtub (my husband once took a bath in it). The tub has never been seen in America. Think of a blown-up version of the Metropolitan Museum of Art's blue hippopotamus figurine, William, in the Egyptian department.
—The New Museum has a feast of offerings. It includes **Nathalie Djurberg'**s "The Parade" (music by Hans Berg), consisting of five nightmarish animations and more than eighty unnerving bird sculptures (opens on May 2), along with the first solo exhibition of British sculptor Phyllida Barlow, and on May 6, **Tacita Dean'**s beautiful and probing films of five American artists and thinkers (among them Cy Twombly and Claes Oldenberg), plus **Klara Lidén'**s "Bodies of Society" (look out forLeslie Camhi's story on Klara and her sister Hanna Lidén, also an artist.)
—Then there's **Kristin Baker'**s first show with The Suzanne Geiss Company on Grand Street (in the old Deitch Projects space), and Anish Kapoor at Gladstone's two galleries, on West Twenty-first and Twenty-fourth Street, both on May 4; **Tauba Auerbach'**s debut at Paula Cooper Gallery on West Twenty-first Street, and Francesco Clemente at Mary Boone on West Twenty-fourth Street, on May 5.
—And if you want to break for a fête champêtre outside the city, don't neglect **Karen Kilimnik'**s romp of a show at the the Brant Foundation in Greenwich, Connecticut (opens May 6, by appointment only), where 30 years of her quirky, jewel-like paintings, drawings, photographs, and a new landscaped installation (six feet of boxwood hedges, grass, ivy, a stone garden fountain, and glass perfume bottles) will be spending the summer.
Click through our slideshow above to see some highlights from these upcoming spring shows.


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Create your own magic fairy garden…indoors! Your child will love gardening even in the dead of winter with the Faber-Castell Creativity For Kids Enchanted Fairy Garden. This kit is sure to provide hours of fun for your little fairy. Get creative painting and glittering your way to a perfect little garden. This enchanted set includes a gardening dish, a flower house, gemstone treasures, soil and magic seeds.
Faber-Castell Creativity For Kids Enchanted Fairy Garden
Comments on this entry are closed.


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Our unparalleled customer service is what sets us apart from other Ottawa mobility stores. After 30 years, we still take the time to understand your specific needs. At Conval-Aid, we have the knowledge and experience to answer your questions and we are here to make helpful suggestions. If there's something you don't see in our store, or when searching through our medical supplies online, just ask us! We will try our best to get that specific product for you.
At Conval-Aid, we're here to match you with the mobility equipment that's right for you. From wheelchairs to walkers, from lift chairs to beds, we have a huge inventory of the latest equipment. We also rent, so be sure to ask us about wheelchair rentals and more. We're here to help. Just ask!Conval-Aid. Products for Living. Service for Life.
Home Shop Online Mobility Equipment Home Care Products Services Rentals Education About Us Events Occupational Therapists Contact us Site Map


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A LEGOLAND® original! Indulge in warm Granny Smith apple fries, dusted with cinnamon and sugar and served with a sweet whipped cream dipping sauce! And you'll love our newest twist - a la mode!
Dietary Concerns: Please email firstname.lastname@example.com or visit Guest Services for specific information if needed.
*Times and schedules are subject to change without notice.


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Some nerd commented on Obama's Peace Nobel Prize reward on The Economist's web site:
"The Nobel prize has a fine tradition of awarding the Nobel prizes for the alpha males in the West and rewarding low life dissidents of the East."
He couldn't be more true. This proves that the decision is made under the influence of female sexism because this is exactly how women feel. They feel inexorably drawn to an alpha male neglecting every other man around in their own society and dissolve with pity for the helpless of the other kind whether animal or human. This behavioural pattern, females inherited from our animal ancestors where indeed it was an advantage in natural selection that females of a tribe had chosen the most successful male for mating and being caring for individuals not yet in the contest—the children. It is not surprising then that all but one member of the Nobel Prize Nomination Committee are female.
That this world is increasingly driven by female sexists, nobody seems to notice. When about a century ago feminists started to disclose male sexism, they succeeded in convincing the public, including me, that male sexism is irrational and leads to dangerous conclusions, but this does not inevitably mean that everything that is not driven by male sexism is essentially rational and genuinely good. It doesn't even mean that every decision driven by male sexism is genuinely bad.
Though they have never been proven to be more reasonable, female decisions are treated as such. The most successful books and films are staring females in a divine (never-going-to-fail) like role. (DaVinci Code and World Without End to name some examples.) But it is a matter of fact, that male as well as female sexist's decisions can be, to some extend, rational or irrational, and to some extend, even the most rational decisions are influenced subconsciously by sexism. Uncritically accept female decisions can be stupid and even dangerous. Not being aware of this fact, does not prove the contrary as can be seen in this Nobel Peace Prize decision.
Update: Link to the The Norwegian Nobel Committee 1901-2017.


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Metro News: "Budget Bits n' Bites: Stakeholders React to Five New Initiatives"April 15, 2013
Metro News offers an overview of the key items in the 2013 Provincial Budget.
Metro News offers an overview of the key items in the 2013 Provincial Budget.
Global TV looks at the reception of the 2013 Provincial Budget.
Our Executive Director speaks with CBC Television about the students funding in the 2013 Provincial Budget.
University students in Nova Scotia will see a slight increase to their student loan cheques this fall. The provincial budget announced a boost of $4.6 million for student assistance in the coming year. Beginning in August, weekly assistance cheques will go from $170 to $180, with 60 per cent of that money being a loan and 40 per cent a grant. Jonathan Williams, the executive director of Students NS, said the budget contains largely good news for post-secondary students. More
The executive director of Students Nova Scotia said the "experience trap" is driving too many young people out of province, and said the municipality is taking a step in the right direction. "If you look at the demographics for our province…one of the projections I've seen is a 14 per cent drop in the traditional labour force by 2026," said Jonathan Williams. "So these investments in helping young people get into the work force here in Nova Scotia are really smart policy." More
Our Executive Director speaks to News 95.7 about why students across the province should be concerned about Dalhousie's lack of transparency, and priorities


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Where it all beganFar far away in a cold place where no trees grew, dark skies hungover, and no light was to be seen. This place was known as the Dark Realm where one she-wolf mobian has been forced to live in by her demonic father, Soarin.
The young mobian was only 14 and had she'd gotten tired of being like a slave. For half her life she has been here being tormented to follow into the darkness but has always refused. The mobian was named Scarlette, she stood over the balcony staring off into the horizon wondering when she may break free from this horrid place.
A memory of Scarlette's lingers to her mind to when she was just a 5-year old girl when her mother, Karina was killed by Soarin who than kidnapped her and ever since was forced to love under his deathly gaze. Scarlette has always hated how her life worked being pushed further to hurt innicent lives. But has always refused and when she refused, she was punished.
Footsteps soon approach from behind Scarlette as a hand touches her shoulder. She turns ever so slightly to notice Soarin. "What do you want this time?" Scarlette asked annoyed. Soarin only glared but than smiled "Scarlette i am here because i believe it is time you learn chaos control" Soarin spoke as if he had something dirty planned.
Scarlette's ears perked with curiosity, "Chaos control?" The mobian was most surprised as her father nodded and snapped his fingers revealing a blue chaos emerald in the palm of his hand. "This here us a chaos emerald, it gives you the ability to teleport to any dimension or place at anytime or fighting if you shout chaos spear it will appear but if you shout chaos control you will be teleported to another location." Soarin told how the chaos emerald was so great an idea appeared in Scarlette's head.
The purple striped wolf looked down at the emerald admiring it's beauty than held it tight in her hand. "Hope this works" Scarlette hoped as she closed her eyes tightly shouted "Chaos Control!" The emerald glowed as a white light surrounded her Scarlette watched through the beaming lights as the Dark Realm slowly vanished and just like that. She was gone.


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- Compatible With: Lumia 735,Lumia 730 Dual SIM
For Nokia Lumia 730 Dual SIM LCD Screen and Digitizer Assembly with Front Housing Replacement - Black - With Logo - Grade S+
This item includes following components:
1. LCD Screen;
2. Digitizer Touch Screen;
3. Front Housing;
Notice: Please test the functionality of this item before installation.
Color: Black
Supported Models: Nokia Lumia 730 Dual SIM and Lumia 735
Version: With Logo
Screen Size: 4.7 inches
Display Type: AMOLED capacitive touchscreen, 16M colors
Resolution: 720 x 1280 pixels, 316 ppi pixel density
This item includes following components: LCD screen, Digitizer Touch Screen and Front Housing.
This LCD Digitizer Assembly with Frame for Nokia 730 Dual SIM is Black and carries with Nokia logo only. Please check your color and version before ordering.
This Lumia 730 Dual SIM LCD screen assembly with frame is 100% OEM manufactured and assembled.
This LCD display with digitizer replacement is compatible with Nokia Lumia 730 Dual SIM and Lumia 735, please check your model before placing an order.
How to Install/Tips
These parts are hermetically attached, special tooling is required for assembly or disassembly.
The flex cable is very sensitive and is easily damaged. Handle carefully.
Please try to handle the repair or replacement work in a dry and dust free environment without direct sunlight.
The installation of this Nokia 730 dual SIM LCD screen part should be done by a qualified person. ETS is not responsible for any damage caused during installation.
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James Knoll Gardner Financial Disclosure Report for 2003
Category:Financial Disclosure
Number of Pages:12
Date Created:February 3, 2005
Date Uploaded to the Library:November 13, 2013
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AMENDED SECTION l'mn Reporting (Last name, first, middle initial) Court Organization Date Report Gardner, James Knoll Eastern District P.A 5/15/2004 Titlt= (Article mjudges indicate active senior Sta; U.S. Distrit Judge -Active Chainbers Edward Courthouse 504 Hamilton Street, #4701 Allentown, 18101 Reporting Period type)._ 1/1/2003 _Nomination, Date _.Initial .Annual Final 12/31/2003 tile basis the information contained this and any mod fications thereto, Is, compl ance laws aad POSIDONS. (R9ortbig indtvidual on1J1:seepp. 9-13of1nstruct1ouJ SB..F llITIATED AMENDMENT NONE (No repc1rtable positions.) []. ll. AGREElfENTS. (Jleporttngindtviduatoniy:seepp.14-160/Imtrw:tions.J TERMS NONE (No n..-poirtable agreements.) :;o-- NON-INVESTMENT INCOME. (Reporting individual and spouse; ieepp. 17-24 a/ImtructionsJ .iul:.'.m AND RO .c:::.> Flle:r's Non-Investme11t Income :::oz rr'lC? NONE (No repmuLble non-investment income.) l'TI CJl Spouse's Non-lnvestn1ent Income -If you were married during any portion the reporting year, please comJ>lete this s1ection. (dollar amow1t not required except for honoraria) NONE (No repor1table non-investmentinc.) Nqie orPeqon Reporting FINANCIAL DISC:LOSURE REPORT Gardner, James Knoll IV. H.EIMBURSEMENTS -transportatio lodging, food. entertainment (lncludei those spouse and dependent children. See pp. 25-27 JnstructionsJ Q!HtCE[ DESCRIPTION 28-29, New York, NY-st Annual DinnOr inLaw Association (NYIPLA) Honor.of the Federal Judiciary and GIFJrS. (Includes tho_!.f!! spouse qnd dependenichildren. See pp. 28-31 Instructions.) NONE (No such reportable gifts.) VI. LIAlBll.,ITIES. (lnclirdes those spouse and dependent children See pp. 32-33 oflnsiructions.) N'ONE (No reporta1bl.e liabilities.) Name Person Reporting Date Report ' FINANCLU. DISCLOSURl REPORT 15/2004 Gardner, James Knoll VIIl. AI>DITIONAL Ulf.FORMATION EXPLANATIONS (Indicate part Report.) section the F'inancial Disclosure Report for Calendar Year 2003 amended change the ori an-s'er-11 w-o-neu-information reported-in Sectfifr1 ___rvIn all other respcts the original Financial Disclosre Report for Calendar Year 2003, filed May 15, 20041,-remains unchanged.. IX. CERTIElCATION. certif:y that all informatio11 given above (including information pertaining spouse and minor dependent clu1dren, any) accurate, 1roc. and complete the best myknowledge andbelief, andthat anyinformation not reported was withheld because itmet applicable statutory 1>rovisions pennitting 111.on-disclosure. furthc:r certify that eamed income from outside employment and honoraria and the acceptance gifts which have been reported are complianc:e with the pr_ovisions U.S.C. app., 501 seq., U.S.C. 7353 and Jt!dicial Conference regulations. ' Governmenlt Actof :1978 Calendar Year 2003 U.S.C. 101-lllr Person Re:porting (Last name, First name, Middle initial) Court Organization Date Report Gardner, James Knoll Eastern istric tof 5/1512004 Title (Article III Judges indicalte ac:tive senior status; ReportTYJ>e (check appro priate type) Reporting Period magislralte judges indicate full-or part-time) Nomination, Date 11112003 U.S. District Judge -Active toQ Initial @Annual Ffual 12/31/2003 Chambers Office Address the basis the infonnation contained this Report and any modifications pertaining thereto, is, opinion,in compliance Edward Cahn U.S. Courthouse with applicable laws and regulations. 504 Hamilton Street, #4701 Allentowi!, 18101 IMPORTANT NOTES: 'Ihie instructions accompanying this form must followed. Complete all parts,checking the NONE box. for each part where you have reportable infonnation. Sign last page. POS:ITIONS. (Reporting individual only; see pp. 9-13 filing instructions) NONJB -(No repOrtabl'e p1m;itions.) O:flicer, Director Allentown Symphony Association Diirector Boys and Girls Club Allentown, Inc. Diirector Police Athetic League, Inc. Custodian Brokerage Account #2: UIPA/UGMA Custodian Brokerage Account #3: UPIA/UGMA Gmcral Partner (passive investment) 116 share ofRental Property#l AGREEMENTS. (Rei1orting individual only; see pp. 14-16 offiling instructions) NONE -(No reportable agn=rients.) State Employees Pension Fund; position, incl ;medic allunm1. 2002 long-term care benefits, control U>z cl> ::oz 1"'1'1? -nr -l"l rl'l Gardner. James Knoll 5/1512004 III. NON-JNVESTiv.tE1'fT INCO:M:E. (Reporting individual and spouse; see pp. 17-24 offiling instructions) FilEr' Non-Investment Incom NONE -(No reportable non-investment income.) AND TYPE GROSS {yom:s, not spouse:'s) SpolllSE Non-Investment com (If you were married during any portion the reporting year, please complete this section. (dollar am1unt not required 1except for honoraria) NONJE (No reportable non-investment income.) SOURCE AND TYPE 2003 self-employed realtor 2003 self-employed piano teacher (Indudes those spouse and dependent children. See pp. 25-27 instructions.) NON::E (No such reportable reimbursements.) GIFTS. NONJE Name Person Reporting Dalte ofReport ].>age 1of4 Gardner, James, Knoll 511512094 VIl. INVESTMENTS and TRUSTS -income, value, traoscations (includes those the spouse and dependent clu1dren. See pp. 34-S7 filing inst11ctions.) Description Assets Income during reporting period Gross value end reporting period Transactions during reporting eriod (including trust assets) (1) (2) (I) (2) not exempt fiomdisclosure (2) (3) Pllace "(X)" after each asset ex1:mp1 Amount Type (e.g. Value Value Type (e.g. Dale: Value ain Identity from prior disclosure Code2 Metlilod buy, sell, Month- Code! div. telll. Code2 Code buyer/seller Codel rnelJ!Cr. Day (A-H) inL) (J-P) (A (ifinivate(J-P)redemption) (Q-W) transaction} DNONJE (No reportable im:om:. aets, transactions) Rental $53:3,33 roperty#l Torrence, California (1997 TimeS:h $18.,700 are #l, Williamsburg, Virginia 999 Rent Rent Sovereign Banlc Ac:cow1ts Interest IRA#l (Evergreen Foundatilon Fund Class Dividend Broke111ge Account #1: NKNACITIBA -Banilc Deposit Program Interest Disr1ey-Common Stock -(X) Dividend c Value Fund Aim Basi Cfa1Ss -Mutual Fund None Small Cap Value Fund Class -Mutual Fund Dividend 10. Fund amental Value Fund! Class -Mutual Fund None 11. 12. Mur Funcl 1icipal High Income Fund Class L-Mutual Dividend None Sell Sell 8/19 8120 NIA NIA 13. Con' vertible Fund Clas:s -Mutual Fund Dividend Buy 8120 NIA Royc:e 'alue Trust Inc. Mutual Fund Dividend Philadephia Water and Sewa Revenue Bond None Sell 10/1 NIA Coupon 16. Altocml! City Authority Watell' Revenue Bond Interest 17. General MolDrs _.cceptance Corp -SmartNotes Interest Bond 18. Ford tor Company -Bond Interest Income/Ga Codes: $1,000 Q1rless $1,001-$2.500 $2,SOl-$5,000 $5,00J-$15,000 $15,001-$50,000 (See Columns 13l and D4} S:SO,OllJ..$100,000 $100,001-$1,000,000 $1,000,001-$5,000,000 =More than ,000.000 Value Codes: $15,000 less $15,001-50,000 $50,001-$100,000 $100,00J-$250,000 (See Colwnns and D3) $250,000-$500,000 $S00,00l-Sl,OOO,OOO Sl,000,001-$5.000.000 $5,000,001-$25,000,000 $25.000.001-$50,000,000 $More tha11 $50,000,000 Value Method Code Appraiisal =Cost (Real Estate Only) Assessment Cashf111arket (See Coiunm C2) =Bonk Value =Other =Estimated Name Person Reporting .Page VII. INVESTMENTS :andl TRUSTS -income, value, lranscations (includes tlDse the spouse atld dependent children. See pp. 34-57 offilinginslructions.) D.Income during Gross value end Transactions during reporting period :Description Assets reporting period reporting period (including trust assets) (I} (1) (2) (1) (2) (4)1 F'lace "(X)" after each asset' 1empt Amowtt Type (e.g. Valuefirom prior disclosure div. rent. Value T.l'Pe (e.g. Date: Value Gain ldenHtyof buy, sell, Code2 Method Month Code3 Day (J-P) Code (A-H) Code2 Code buyer/seller (J-P) (A-(if1>riVBte merger,redemption) (QW) transaction} SBI Appreciation Fund -ClllSli -Mutual Fund Dividend 20. 21. C;Lpital Preservation F1111d -Class -Mutual FUlnd Calamios Conv. High Income Fund-Bond Dividend Dividend Buy Buy 8122 8/19 NIA NIA 22. Bmkeirage Account (Custdial Account# See Paitvm 23. Brokerage Account (Clllstc ial Account #2): 24. CffIBANK NA-Bank Depos Program Interest 25. Progress Energy Inc. -Comm Stock Dividend 26. 27. 28. General Motors Acceptance C0rp SmartNotes Bond due 3/15/04 SmartNotes 0GenmLI Motors Acceptance Bo11d due 3/15/05 Aggressive Growth Fund class -Mutual Fund lnterest lnterest None 29. Small Cap Value Fund -Mutual Fund Dividend 30. Fundamental Value Fund li!ss -Mutual Fund None 31. 32. Premium Total Return Fund Class A-Mut. Fund See Part VII Convertible Fund Class Mutual Fund Dividend Dividend Mid Cap Core Fund Class -Mutual Fund None 34. Royce Value Trust lnc. -Mut ual Fund Dividend 35. Household Finance Intemotes Bond Interest Dividend Capital and Income Fund c:lass A-Mut. Fund 36. See Patt VII Income/Gain Codes: S1.000 Jess $1,00i-$2,500 $2,501-$5,000 $5.001--$15,-000 $15,001-$50,000 (See Colutnmr. and D4) $50,IXl J--$100,000 $100,001-$1,000,000 Sl,000,001-$5,000,000 =More than $5,000,000 Value Codes: $15,000 orless $15,001-$50,000 $50,00J-$100,000 $100,001-$250,000 (See Columns and 03) $250,000-$500,000 $500,001-$1,000,000 Sl,000,001-$5,000.000 $5,000,001-$25,000,00G $25,000,001-$50,000,000 $More than $50.000,000 Value Me1fr1od Codes App1aioal Cost (Real Estate Only) Assessmem CashlMarlret (See Colu1m11 C2) =Book Value Ot11er Es!imated Name ofPerson rting ... Page 3of4 Gardner, James Knoll 5/1 -income. value, transcatioos (includes those the spouse and dependent cbildnm. See pp. 34-57 tiling instructions.) VII. INVESTMENTS andl TRUSTS lucome during Gross value end Transactions during reporting period Descriptionof Assets reporting period reponing period (iincluding trust assets) (1) (2) (2) (1) not e.'tempt :fro:m discloswie Place "(X)" after each asset ,exempt Atmllllt Date: Value Value Type (e.g. Type (e.g. Value Identity Gain buy, sell, fi:omprior disclosure Code2 Method CIX!e div. nmt. Month Code2 bu)leirlseller Code (J-P) Code3 (A-H) inL) Day (if private (J-P) (A- redemption) transaction) Interest Buy Wc:stern Bank Puerto Rico ertificate Deposit 8/18 NIA 38. S.P 500 Index Shares Illtua!Fund Dividend Buy 8/19 NIA 39. 40. Brokeirage Account -Common Stock Dividend 41. 42. Joh.1n Johnson -Comrnon Appreciation Fund Class Mutual Fund Dividend None 43. 44. Ca11>ital Preservation Fuirid Fund End Brokerage Account ;1/4 Class -Mutual Dividend Rent Tme Share #2, Williamsburg, irginia (2002 $19',900) 46. JRA #2: (Legg Mason) Buy Dividend 3/10 NIA 47. Americ:an Funds Gov't GtCI. Secs. Fund Class C-A Multual Fund Buy None 3/10 NIA 48. Legg Mason Special Jnvestmen Trust -Equity Fund Buy None 3/10 Royce Total Return Fund Oons ultant -Equity Fund NIA 50. Van IU1II1pen Equity Income: Class -Mutual Fund Dividend Buy 3/10 NIA 51. rti'ficate ofDepositFlorida Community Bank -Ce Interest Buy 3/14 NIA Buy None Putnam Mid Cap Value Fund class -Mutual Fund NIA 52. Buy 3/31 Interest NIA Gov't Nat'! Mtg. Assn. Class Buy 4/2 None NIA Amc:ric:an Funds: Growth F111ndl America, Inc. Class 54. C-Mut.Fund Income/Gaiu Codes: $1.000 less =$1,001-$2,500 $2,501-$5,000 $5,001-$15,000 $15,001-$50,000 (See Columns.Bl and D4) $50,IJOl-$100,000 $100, 1-$1,000,000 Sil.OOO,OOI-$5,000,000 =Morethan$5,000,000 Value Codes: $!5,000 less SlS,001-$50,DOO $50,001-Sl00,000 $100,001-$250,000 (See Colunms and 03) =$250,000-liSOO.OOO =$500,00!-$1,000,000 Sl,000,001-$5.000,000 $5,000,00J-$25,000,000 $25,00G,001-$50,000,000 $More than $50,000,000 Value Method Codes ='Appraisal =Cost (Real Esl'Jte Only} Assessment Cashlhfarket (See Colunm C2) Book Value ='Otlier =Estimated FfNANClAL DISCLOSURE REPORT Name Person Reporting Date Report 511512004_ "VII. INVESTMENTS and TRUSTS -income, value, tmnscations (includes those tile spouse am!. dependent cluldreo. See pp. 34-57 filing iostmctions.) Iocome during Gross value end Transactions during reporting period r>escription Assets reporting period reporting period (iieluding trust assets) (2) not exempt from disclosw-e (2) (1) (1) Place "(X) after each asset exempit Amount fu))11prior disclosure Code (A-H) Legg!ilason Value Trust -Equity Fund (3) (4) Type (e.g. Value Value Type (e.g. Date: Value Gain Identity div. nmlor Code2 MelllOd buy, sell, Month Code2 Code buyer/seller inl} (J-P) Code3 merger, Day (J-P) (A (if1irivate redemption} (Q-W) transaction) None Buy 4/14 NIA fat'! Mtg. Assn. Class -Bond Interest Buy 4/30 NIA Part 10120 57. NIA Redeem Part 11120 NIA Redeem 58. Final 12120 NIA Redeem 59. Income!G11in Codes: $1.00-0 less Sl,001-$2,500 $2,501-$5,000 $5,00 l-Sl5,00-0 =$15.001-$50,000 (See Colw1111s and D4) =$50,0-0l-:100.000 $100,001-$1,000,000 $1,000,001-$5,000,000 =More than $5,000,000 Value Cod1es: $15,0-00 less $!5,001-$:5{),000 $50,001-$100,000 !00,00J-$250,000 (See Colwnns and D3) $250,000-$500,000 $500,001-$1,000,0lA0 Pl_= $1,000,001-$5.000.000 $5,000,001-$25,000,0DO $25,000,00J-$50,000,000 =$More than $50,000,00() Value Method Codes =Appr.iisal =Cos!(RealEstateOnly) =Assessment CashlMarket (See Coll.mm C'.2) =Book Value =Other Estima1ed ' Name Person Reporting Date Report Gardner, James Knoll 5/15/2004 (Indicate part Report.) VIll IN'FORMATION EXPLANATIONS Part VII, Line 22: Brokerage Account (Custodial Account #I) does not qualify for reporting this period because the account owner over age and not d1ependent the reporting person within the meaning the Internal Revenue Code 1986 (26 U.S.C. 152), and therefore not dependent -as defined section 102(e)(2) ,fthe Ethics Government Act 1978, amended U.S.C. 102(e)(2). Moreover, the account does not qualify for reporting this period because its sole asset (City Bank,_NA, Bank Deposit Program) did not have fair market value excess ,000 the end the current year (December 31, 2003) and because income excess of$200 from the asset was not received during the current reporting period. Part VII, line March il, 2003 Smith Barney Premium Total Return Fund Class mutual fund changed its name Smith Barney Capital and Income Fund Class {See Part VII. line 36). Part VII, line 36: March 311, 2003 the former Smith Barney Premium Total Return Fund Class mutual fund (See Part VII, line changed its name Smith Barney Capital and lnC


text:
Man, I tell you them Republicans can't win for losing. First that senator dude in Nevada, gets caught doing the wrong thing with another woman.
Now, this week, that governor dude in South Carolina done shot the republicans in the other foot, pretending he went hiking in the mountains. How long did he think it'd be before somebody found out where he really was? He married with some kids, and he go all the way to Argentina to see his mistress?
Come sense shoulda tole him what was gon happen. Hell, hadn't fellow republican just been caught with his pants down with the wrong woman.
What the hell was them dudes thinkin? They in the eye of the public, and they big time politicians, so it stands to reason they being watched. Maybe one time in the long ago past, it was okay to have a mistress on the side, but them days long gone. In these modern times, adultery is truly immoral.
Hey, senator dude and governor dude if them women you was seein so good, why don't marry them?


text:
"You're throwing your money away on rent."
If I had a nickel for every time I heard a Realtor, mortgage broker, or general housing bull say that, I'd have enough to pay for some overpriced Toronto house. Or, y'know, enough for a slurpee. Either or.
The fact is this. Exchanging cash for somewhere to live is hardly throwing money away. You need shelter (unless you're a true FRUGAL LEADER and sleep in a lean-to. The Early Retirement Extreme guy approves), and renting that shelter can often be cheaper and easier than buying it. After all, an owner needs to pay taxes, maintenance, insurance, and so on. A renter doesn't–at least directly. These costs add up.
Say you were looking at two identical condos, next door to each other and exactly the same in every way. One is available for rent for $1,500 per month. The other can be purchased for $1,260 per month, plus $300 per month in condo fees and $100 per month in taxes.
You'd think the first condo would be the better choice. A renter would be ahead $160 per month, plus not have to worry about the inevitable maintenance expenses that will come up. Go renting! Renting is the bomb diggity!
I don't even need to ask. I know the kids no longer say bomb diggity. They probably never said it.
But we're forgetting one thing about the home buyer in this situation. If they're paying $1,200 per month in mortgage payments, some of that goes towards principal.
Say that condo came with a $280,000 mortgage. A payment of $1,260 per month would pay the thing off in a little less than 25 years. Here's a snapshot of the amount paid towards interest and principal over the first year.
It even adds it up for us. In the course of a year, the owner will have accumulated $8,213 in equity. That's an average of $684 per month, which works out to a decent savings rate. I know people who would do unspeakable acts for an extra $684 every month.
Financial Uproar recommends!
The Tangerine Credit Card lets you earn up to 4% cash back for the first three months in three different categories, and 2% after that. No wonder we think it's Canada's best no-fee credit card.
Things aren't quite so simple, of course. There are plenty of reasons why home equity isn't exactly the best asset. You can borrow against it, but you can't exactly take it out whenever you'd like, unlike liquid savings. And it's tied to a leveraged asset that could fall in value.
If this condo falls in value $20,000, it'll take more than two years for our borrower to get back to the point where he's not in a negative equity situation. With home values almost everywhere in Canada crazy high, there's a very real possibility of this happening.
Will renters be able to save?
I think saving via home equity isn't the best way of saving. But at least it's saving.
Let's look at it another way. We tell a renter to take their excess cash and invest it, as well as using the cash set aside for a down payment as potential investment dollars. Since the stock market does tend to grow faster than the real estate market, this should make a renter richer than a homeowner.
But what about a renter who just can't save? I'm sure you know at least one of those people. Instead of putting their excess cash in TFSAs and RRSPs, they spend it on smokes and temporary tattoos and being scared of the stock market. They're not getting ahead at all.
At least if these people bought a house, there'd be some saving going on, albeit in a non-optimal way.
We assume renters will be able to save. But many people are renters not because they choose to be, but because they don't have the means to put money away. Home ownership might be the only way these people will ever save money.
There are plenty of reasons why it makes sense to rent. It often costs less, it comes with less headaches (unless you get a crazy landlord) and it's far easier to pull up and leave as a renter than it is an owner.
But at the same time, there are advantages to owning too. I feel like in today's rent-happy world, they're often glossed over. Folks need to realize there are pros and cons for each.


text:
By Reynold N. Mason JD
Atlanta, Mar. 05, 2011. Last week the U.S Supreme Court ruled in the case of Snyder v Phelps, that Phelps and his legions of mindless disciples are free henceforth to go forth and wreak havoc at the funeral of fallen soldiers. What got the Westbrook Baptist Church in hot water was its outrageous, obnoxious picketing at the funeral of Matthew Snyder, in Maryland a while back. Matthew Snyder was killed in Iraq and Phelps and his legions showed up at the funeral brandishing banners and placards bearing verbiage that ripped apart the heart of the fallen soldier's father, his family and friends.
Some of the obnoxious signs and placards bore the hateful words that have brought Westbrook notoriety over the last few years. Church members have staged protests at 600 plus funerals with signs that read: "GOD HATS FAGS" "THANK GOD FOR DEAD SOLDIERS."
Westbrook Baptist Church owns domain names that will assault the sensibilities of the most wooden advocates of free speech among us; "GodHatesFags.com" "JewsKilledJesus.com", "BeastObama.com" "GodHatesTheMedia.com" "PriestsRapeBoys.com", "GodHatesAmerica.com" "GodHatesSweden.com", "GodHatesIndia.com", and of course, the one-shot, all purpose, all encompassing, "GodhatesTheWorld.com".
The Church is a snake pit of venom. And Phelps and his followers hiss and spew their hateful, hurtful slogans, like vipers, at the heart of those in the throes of grief. Mr. Snyder simply wanted to bury his son in peace. Now his name will forever be linked with one of the most contentious free speech issues America has had to confront since Civil rights. Whatever else Phelps might hope to gain by his callous, backwards and obscene displays, he does succeed in gaining publicity. The media are drawn to Phelps' freak shows, like moths to a candle. They must sell papers and they know that anyone who dares to compound the grief of family and friends at a final farewell with epithets as vile as Phelps' are sure to incur the ire of decent people. The quest for notoriety drives Phelps and his motley band of followers.
When a crazed shooter shot up Congresswoman Gabrielle Gifford's meeting in Tucson, Phelps announced that he would picket the funeral of a 9 year old killed by the crazed shooter because she was "better off dead". The story made national news. To spare the little girl's family the slings and arrows from Phelps ample quiver, he was given free air time on a radio in exchange for calling off the protest.
Hate speech is protected speech. Why, one might ask, do we permit someone like Phelps and his followers to launch a verbal volley of hurtful, hateful, and obnoxious slogans at people in grief? In the United .States the regulation of free expression of ideas is different from the regulation of any other industry. What makes it different is the First Amendment to the Constitution; "Congress shall make no law respecting an establishment of religion, or prohibiting the free exercise thereof; or abridging the freedom of speech, or of the press; or the right of the people peaceably to assemble, and to petition the Government for a redress of grievances." I once heard or read something the great Alexander Solzhenitsyn said in the media. It was in essence, that man is a rational being with the gift of speech. If he cannot say what he thinks then he is no different from a dumb animal. For me, that is where the rubber meets the road. To paraphrase Justice Brandeis, people could trade their false notions for true ones, but only if they could hear the true ones.
The optimum response to Phelps is not to shut him up but rather to shout truth into his wax-filled ears, loud enough to be heard over the noise inside his own head. Were we to suppress his thoughts, they might drive him mad and his wild antics might be viewed as grounded in delusions. Any first year law student could then plead him out on grounds of insanity. The idea of free speech that the First Amendment protects is designed to work as a safety value for the release of noxious ideas such as Phelps'. It lessens frustration and channels hate into means consistent with law. Phelps and his followers have not engaged in some of the illegal acts that marked some of the protests of the 1960's.
But what about Mr. Snyder? The sort of conduct exhibited by Westboro would move some to a violent response. Having just this in mind, some states passed laws making it a crime to engage in behavior likely to arouse "anger and alarm" on the basis of race, color, gender, creed, or religion. The problem with such an enactment is it is not content neutral. It bans only certain kinds of speech, so that a youth prosecuted for burning a cross on the front lawn of a black family under the ban was acquitted. The content of the speech in what determines whether it is protected speech. In ruling in Phelps' favor, Justice Roberts said the distress occasioned by the protests here, turned on the content of Phelps' message. Americans, grateful for the ultimate sacrifice of fallen soldiers are wrenched by the slogan "Thank God for dead soldiers." But Phelps can say it because it is a political message; it conveys the idea that Westboro is opposed to war. That makes it protected political speech. Were the protesters instead waiving signs that read, "God Bless America" there would obviously be no issue, because that is free speech we like and admire at the requiem for a fallen soldier. That means we would be censoring speech on the basis of its content.
The court found no problem with the place or manner of Westboro's protest because they were kept a little distance from the mourners and they had obtained all of the required permits prior to their protests. If the nasty words are dressed up in political clothing, there is no recourse from their stinging blows. In the end, the $11 million verdict won by Mr. Snyder on grounds of intentional inflection of emotional distress was thrown out. The ruling, for many, is a bitter pill to swallow. Much like a good analgesic, it may eventually make the body better; but it is bitter going down. The hope is that tolerance of vile protests and hate speech like Phelps' will strengthen the body politic and America will be better off for it.
Justice Alito, the lone dissenter, gave voice to the frustrations of hosts of Americans. He said that the First Amendment assures that Westboro has limitless opportunity to express their views. But it does not give them license to launch a vicious attack that makes no contribution to the public debate, by methods that are callous, atrocious, outrageous in character and utterly intolerable in a civilized society. Whatever little benefit there is from the slight value of the Phelps' protests, Justice Alito feels, is outweighed by the social interest in order and morality. Justice Alito echoed the feeling among a host of sympathetic citizens who feel that personal abuse at funerals is not the means to communicate one's political opinion. A public park, the State capitol or a public street may be the proper place, but not the funeral of a fallen soldier.