text:
(409) 840-6900
Asset Growth Associates
20 years in business1391 Calder St
Beaumont, TX 77701-1706
Fax Numbers
- (409) 840-6905
Additional Phone Numbers
- (409) 832-9922
Additional Email Addresses
- email@example.com
Additional Website Addresses
Find a Location
BBB File Opened: 01/27/1998
Business Started: 05/22/1997
Business Started Locally: 05/22/1997
Business Incorporated: 01/01/2001 in TX
Type of EntityLimited Liability Company
Business Management
- Todd Hickman, Owner
- Gene Vallorani, Owner
Business Category
- Financial Services
- Financial Planning Consultants
- Insurance Companies
- Insurance - Senior Products
- Investment Advisory Service
- Retirement Planning Service
- Stock & Bond Brokers
- NAICS: Miscellaneous Financial Investment Activities
- Estate Planning & Management
- Tax Return Preparation
Service AreaBEAUMONT, TX
Alternate Business Names
- Texas Registered Financial Consultant
BBB Reason for Ratings
Licensing information is provided in the BBB Business Profiles to inform the public about industries that may require professional licensing, bonding, or registration. Better Business Bureau encourages you to check with the appropriate agency to be certain any requirements are currently being met.
Advertising Review
BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to substantiate their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.
Government Actions
BBB reports on known significant government actions involving the business's marketplace conduct.
Out of Business
BBB reports on a company that is out of business for three years from the date the company closes its doors or ceases to do business.
Misuse of Better Business Bureau Name/Logo
BBB reports on unauthorized use of the Better Business Bureau's name and/or logo for as long as the business continues to use it in any advertising, or for one year after the business ceases any repeated unauthorized uses.
BBB reports on a business's bankruptcy as long as the business remains in bankruptcy.
Mail Returned
BBB reports when mail sent to the business was returned by the Postal Service.


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Rating: 0.0/5 (Total votes: 0)
- Awesome stickman assassin sniper graphics.
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Wonder Woman® Berry Powerful Bar - 3 Oz.
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Contains milk, soy, coconut and eggs. May contain wheat, peanuts, and other tree
3 oz


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54" Tree Storage Bag-Red
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To purchase and pick-up in-store, add your selections to your shopping bag. At checkout you can choose whether to pick-up in-store or ship to your home.
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- Dimensions: 54 x 15 x 15 inches
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- Handling Code:
Standard Delivery
You can usually expect delivery within 6-10 business days from your order date (business days are Monday-Friday, excluding Holidays). You'll receive an email with tracking information when your order is shipped. Please allow up to 5 business days to receive your tracking information.
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text:
Sheen draws record viewers for "Men" and TV roast
By Jill Serjeant
LOS ANGELES (Reuters) - Dead or alive, Charlie Sheen ruled the TV airwaves on Monday, pulling in record audiences for his Comedy Central roast and more than 28 million Americans to his "Two and A Half Men" TV funeral.
Some 28.7 million watched CBS bury Sheen's wayward TV character Charlie Harper and introduce new star Ashton Kutcher in an all-time series high audience for the lucrative comedy, according to updated figures from research company Nielsen.
And after months of headlines following Sheen's bitter exit from the most-watched comedy on U.S. TV, 6.4 million people watched his sex life, drug use and recent career meltdown draw laughter on Comedy Central's TV roast by fellow celebrities including "Jackass" stuntman Steve-0 and boxer Mike Tyson.
Comedy Central said Sheen's was its most-watched roast ever, while the audience for "Two and A Half Men" was more than double that of last year's season opener and bigger than any episode in the show's first eight seasons with Sheen in the starring role.
Monday's season premiere of "Two and A Half Men" crushed the opening of "Dancing With the Stars" on rival ABC despite a celebrity cast that gave viewers their first glimpse of the ballroom contest's first transgender contestant, Chaz Bono, and TV legal analyst Nancy Grace both doing the cha cha.
Nielsen figures showed that 18.6 million people watched the season premiere of "Dancing with the Stars" -- a 24 percent drop from last year's opening show.
Reviews for Kutcher's debut on "Two and a Half Men," playing a heartbroken Internet billionaire with a penchant for walking around nude, were kind and suggested that the series -- a cash cow for both CBS and program makers Warner Bros television -- was far from dead.
"Kutcher's performance was good, nearly as poker-faced fine as Sheen's was ... Kutcher will probably prove just as skilled," wrote Entertainment Weekly's Ken Tucker. Continued...


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Ganache, Truffle 48 recipes
- Simple Coffee-flavored TrufflesHere are some slightly sweetened coffee-flavored truffles made with a chocolate bar. They're easy to make because you only need to coat them once. A great Valentine's gift.Dark chocolate, Heavy cream, Instant coffee, Rum, Mizuame starch based sweet syrup (sugar syrup), Bitter chocolate
- Soy Milk Chocolate Cups for Valentine's DayThese are soy milk chocolate truffles. Pour into shiny aluminum cups and decorate for an easy and gorgeous dessert!Chocolate, Soy milk, Fillings (nuts, etc.), Toppings (dragées, sprinkles, etc)
- Easily Made Using Microwave! Low Sugar ChocolateI can't eat a lot of sweets when I'm on a low-sugar diet. So I made a recipe that's easy to make and can be made with a small number of ingredients.Cocoa powder, Heavy cream, Lakanto (no calorie sweetener), Butter
- 10 Minute Super Easy Melt-in-Your-Mouth ChocolatesNo need to chop the chocolate or measure out the heavy cream. These will melt in your mouth.Chocolate bar, Heavy cream, Cocoa powder
- For Valentine's Day Not Too Sweet Matcha TrufflesThese truffles have a finishing touch of matcha. They're so tempting since they're not too sweet.Dark chocolate, Heavy whipping cream, Unsalted butter (or margarine), Mizuame or honey, Matcha
- Simple Not-Too-Sweet Chocolate TrufflesThese smooth and delicious truffles are made from dark chocolate, so they aren't overly sweet.Dark chocolate (3 bars), Heavy cream (35% cream or low-fat), Unsalted butter, Mizuame syrup or honey, Brandy, Cocoa powder
- Heavy Cream-free Chocolate TrufflesThese are smooth and delicious chocolates without heavy cream.Chocolate, Egg yolk, Milk
- Rum Raisin Chocolate Truffles for Valentine'sFor that special someone, for the people who have helped you out, for your loved ones, and as a reward for yourself. You can make these into any shape you want.Heavy cream, Chocolate, Raisins, Rum, Others:


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|Message view
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|"Filip Hanik" <fi...@filip.net>
|StandardContext - web.xml not setting parameters in time
|Sun, 13 Apr 2003 02:42:45 GMT
I modified the StandardContext to respect the <distributable/> flag in web.xml but I am running into problems with the WebRuleSet. The StandardContext is "started" ie the start() method is called, before the setDistributable(true) is called. Hence a context will not be replicated, because the flag wasn't set. How would I go about setting this parameter earlier, before the context is started so that the context can get the correct manager put in place. With the new spec the web.xml can contain a <distributable/> element meaning that we can replicate the sessions in the request. If this element is missing, means that we are not gonna replicate it, hence I need to know. I can work around this, but I would prefer to not and rather fix the order of when the "setDistributable" is called thanks in advance Filip --------------------------------------------------------------------- To unsubscribe, e-mail: firstname.lastname@example.com For additional commands, e-mail: firstname.lastname@example.com
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Named the fourth most important "Book of the Year" by the National Post in 2015 and voted "One Book/One Province" in Saskatchewan for 2017, The Education of Augie Merasty launched on the front page of The Globe and Mail to become a national bestseller and an instant classic.
Publishers Weekly called the book "historically significant," and The Toronto Star recommended it as a must read for "any Canadian interested in truth and reconciliation." Writing in The Globe and Mail, educator J.D.M. Stewart noted that it "is well suited to a teenage audience because of its brevity and frankness."
This new edition includes a Learning Guide that deepens our understanding of the residential school experience, making it ideal for classroom and book club use. It also features a new postscript describing how the publication of this memoir changed Augie Merasty's life.
A Note on the Text—vii
Augie and Me: An Introduction, by David Carpenter—ix
Map: Sturgeon Landing and other places discussed in this book—xxxviii
One School Days, School Days—1
Two Hard Times—11
Three The Passion of Sister Felicity—17
Four The Loves of Languir and Cameron—23
Five Brotherly Love and the Fatherland—29
Six Father Lazzardo among the Children—37
Seven Sisters of the Night—41
Eight Lepeigne—45
Nine Revenge—51
Afterword by David Carpenter—65
Postscript by David Carpenter—75
Study Guide—81


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1 year ago
Cupcake Recipes Vanilla Frosting
An Introduction To Cooking, For The Absolute Beginner
For thousands of free cooking recipes and videos please click here
Many people do not understand how fun and amazing cooking truly can be. The details offered below will provide you an idea for easy techniques to cooking that can make your taste buds dance with pleasure. You do not have to be a chef making outstanding meals that you will enjoy.
Beef And Rice Baby Food Recipe
For a pie that is browned below


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(The Daily Star / Mahmoud Kheir)
Invest in online and you're in line for a fall
U.K. campaigner takes on Facebook
'dark ads' during election
With many social media options, small businesses need focus
Your feedback is important to us!
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If you have any connection to Lebanon, chances are you have seen a Sayfco ad on Facebook.Sayfco took the plunge, making it the real estate company with the most "likes" in the world – 3.2 million.The ads are not the work of a social media analytics firm, but are instead the work of Yerevanian, who spends two hours every morning responding to questions, comments and complaints about Sayfco.He once briefly hired someone to run the company's Twitter account, until the person responded unkindly to a customer complaint – about spam, Sayfco's most common complaint – which then went viral. Yerevanian says that to his knowledge all of the Sayfco "likes" are genuine, noting that the vast majority come from Lebanese Facebook users, 40 percent of whom are expatriates.
Invest in online and you're in line for a fall
U.K. campaigner takes on Facebook
'dark ads' during election
With many social media options, small businesses need focus
Beirut construction fair highlights growth
The Lebanese 'Plan B': Buy a home in Cyprus
Arab world witnessing rapid mobile growth


text:
DESTIN, Fla. -- It appears the Janoris Jenkins saga is finally over with in Gainesville, Fla.
Wednesday, Florida Today first reported that the former Florida cornerback pled no contest to possession of less than 20 grams of marijuana. Jenkins was given no probation or community service, but was ordered to pay a fine of $421.
The All-SEC corner was dismissed from the team by new coach Will Muschamp in late April after being arrested on marijuana possession charges for the second time in the span of three months. Jenkins was also arrested in June of 2009 after being involved in a fight outside a downtown bar.
"Whether Mr. Jenkins wants to learn a lesson from the last few months or not is up to him,'' State Attorney Bill Cervone told Florida Today. "If he can't figure out that smoking pot is illegal maybe he can at least learn to be more circumspect about it.''
Regardless of Jenkins' major goof(s) this spring, he cost himself millions by deciding to stay in school. While there is absolutely nothing wrong with that and it should be encouraged, in retrospect he's no doubt wishing he had left. Who would have thought that Jenkins electing to stay his senior season might have ended up costing him almost everything?
The question now is if his actions will cost him millions next year.
One of the reasons Jenkins decided to stay was because he suffered a torn labrum in his shoulder at the beginning of last season. The injury would have inhibited what he could have done at the NFL combine this year, so he underwent surgery and decided it would be best to return and go through another season at full health.
It made perfect sense at the time, but two extremely poor decisions changed everything. Florida lost its best defensive player and Jenkins lost another shot at the college limelight.
Jenkins is still exploring his options and could still end up in the supplemental draft that will be held in July if there are applicants.
Jenkins could very well do that, or he could follow the rumor mill and head to Division II North Alabama, where some have him going.
It might be smarter for him to go the D-2 route and take a year to mature and show that his shoulder is fine. Jenkins was one of the best cover corners in the country last season and ESPN NFL draft analyst Todd McShay has him listed as a top-10 pick in next year's draft.
Uncertainty with the NFL might push him toward the college ranks as well.
Change would be good for Jenkins. He's done in Gainesville and done with the Gators. He needs to find a new place where he can reshape his image. He needs to stay away from guilty pleasures and concentrate on his future because there's no he's an outstanding player, but who knows if he's worth the investment.


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Time Trap(1976)
A novel by Nicholas Fisk
Set in the year 2079 Dano rebels against the mindless existence of the people around him. Befriended by Uncle Lipton, he is introduced to the life-prolonging drug Xtend, which also enables him to travel in time.
Used availability for Nicholas Fisk's Time Trap
See all available used copies of this book at Abebooks UK or Abebooks US
Hardback Editions
April 1979 : UK Hardback
|Title: Time Trap (M-Books)
Author(s): Nicholas Fisk
ISBN: 0-333-24318-8 / 978-0-333-24318-3 (UK edition)
Publisher: Nelson Thornes Ltd
Availability: Amazon Amazon UK Amazon CA
October 1976 : UK Hardback
|Title: Time Trap
Author(s): Nicholas Fisk
ISBN: 0-575-02195-0 / 978-0-575-02195-2 (UK edition)
Publisher: Gollancz
Availability: Amazon Amazon UK Amazon CA
Paperback Editions
January 1979 : UK Paperback
|Title: Time Trap (Puffin Books)
Author(s): Nicholas Fisk
ISBN: 0-14-031064-9 / 978-0-14-031064-1 (UK edition)
Publisher: Puffin Books
Availability: Amazon Amazon UK Amazon CA
Genre Pages


text:
Officials Laud Pilot's Efforts in Crash
Published: October 22, 1987
INDIANAPOLIS, Oct. 21— The military pilot whose jet lost power and hit a hotel Tuesday, killing nine people, ''did everything he could'' to avoid the disaster before ejecting safely, an Air Force general said today.
''It's tragic,'' said Brig. Gen. Joel T. Hall of Nellis Air Force Base in Nevada, the home base of the pilot, Maj. Bruce L. Teagarden. ''I understand the anguish, but he did the best he could. Air Force policy is to minimize the loss of life in a crash and as best we can determine that's what he did.''
T. Allan McArtor, administrator of the Federal Aviation Administration, said Major Teagarden had made a ''clear attempt'' to land the plane safely.
''It happened after a pilot rather courageously tried to bring in a crippled jet under adverse weather conditions with a clear attempt to try to avoid loss of life and property and simply was not able to do so.'' Mr. McArtor said. ''When he popped out of the overcast, which was only 800 feet, he saw that he was in a populated area and ejected at the very last minute.''
The statements by the two officials were based on interviews with Major Teagarden. Later today, General Hall read a statement from Major Teagarden addressed to ''the families of those killed and injured, and the people of Indianapolis.''
''It is impossible to express to you how deeply grieved I am by your loss,'' Major Teagarden said in the statement. ''I wish with all my heart that it had been within my power to keep my plane headed toward that open field once I aimed it there.
''Please understand I did everything humanly possible to prevent this. My prayers are with you all.'' Pilot Said to Be Distraught
Major Teagarden has been meeting with investigators since the crash. Air Force officials have said he has been distraught and has not been made available for interviews.
Major Teagarden, 35, had been flying back to Nevada from a trip to Pennsylvania and West Virginia, where he attended the funeral of Maj. Gary Swisher, who was killed Oct. 8 when his fighter plane crashed in North Carolina.
General Hall said the trip was not entirely personal. ''He was on a normal training mission, which they are required to do,'' General Hall said. ''He was intending to stop and go to the funeral of a friend.''
As a six-member Air Force crash investigation team scoured the Ramada Inn today where the jet hit, the last of the nine victims, all hotel employees, was identified.
The Marion County coroner, Dennis Nicholas, said eight of the victims were from Indianapolis: Emma J. Brownlee, 37 years old, a hotel housekeeper; Katherine Cox, 33, a dining room manager; Christopher Lee Evans, 21, a bellboy; Beth L. Goldberg, 30, an assistant sales director; Brenda J. Henry, 26, a hotel housekeeper; Narinder S. Kanwar, 41, an assistant manager; Mary Stuart Marsh, 29, an assistant sales director, and Dawn S. Martin, 19, a front desk clerk.
The ninth victim, Allen D. Mantor, 18, a bellboy, was from Amo, Ind.
Tom Murray, 41, of Indianapolis remained in ''very critical condition'' at Wishard Memorial Hospital with third-degree burns on 95 percent of his body.
Major Teagarden had been flying at 31,000 feet when his A-7 Corsair lost power near Indianapolis. He declared an emergency, and airport controllers directed his plane toward a main runway at Indianapolis International Airport.
Major Teagarden's first approach was too high, and he tried to make a second approach, but could not reach the airport. He bailed out at about 800 feet.
The plane smacked the roof of a bank building and then exploded into the lobby of the Ramada Inn.
Photo of an Air Force worker (AP)


text:
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- Stopping abusive and illegal consumer collection actions;
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KANSAS CITY, Mo., Feb. 14, 2013 /PRNewswire/ -- Legal Aid of Western Missouri has received nearly $800,000 in additional funding to help provide services to low-income families in the state. The funds are residual proceeds from a class action lawsuit settled in 2011 titled Allen & Lande v. UMB Bank. The court-approved settlement was secured by plaintiffs' attorneys from the law firms of Tycko & Zavareei LLP, Stueve Siegel Hanson LLP and Gray, Ritter & Graham, P.C. The Court's order approving the settlement provided that settlement checks not presented by individual class members for payment within one year would be distributed to Legal Aid to carry out its charitable mission. "These funds will allow the Legal Aid programs throughout Missouri to serve hundreds of low-income clients who we would otherwise have to turn away," states Gregg Lombardi, Executive Director of Legal Aid of Western Missouri. These services include:


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Champion Power Equipment 2" Semi - trash and Water Transfer Pump with Hose Kit
Item # WX2-293588
Champion Power Equipment 2" Semi - trash and Water Transfer Pump with Hose Kit
Item # WX2-293588
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Champion Power Equipment 2" Semi - trash and Water Transfer Pump with Hose Kit. Dependable and portable water or solid pumping capabilities for your home, farm or jobsite.
Light, compact and efficient, with recoil start for easy set-up and operation. Powered by a 163cc Champion single cylinder, 4-stroke OHV engine with a 1.06-gallon fuel tank and .63-quart oil capacity. Includes Wheel Kit with integrated tires and fold-away handlebar, so you can move this baby to wherever you need it. Complete Hose Kit with intake and discharge hoses, hose clamps and more.Need-to-know basics:
- 2" NPT inlet and outlet
- Hose Kit includes 12' intake hose, 20' discharge hose, cam action quick coupler, intake strainer, hose clamps and Teflon® tape
- 163cc Champion OHV engine
- 6" never-flat tires, foldaway handle
- Easy-pull recoil start
- .87" roll cage for durability and stability
- 3/ 4 " max solids diameter
- 158-gallon / minute maximum flow rate
- 20 1/ 5 x 18 7/ 10 x 18 1/ 5 " h., weighs 76 lbs.
A dirty job, but someone's gotta do it. Lighten the load by ordering this Pump ONLINE today!
and Water Transfer Pump with Hose Kit
- Reviews
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New Music: Metro Boomin - No Complaints ft. Drake & Offset
Metro Boomin - No Complaints ft. Drake & Offset
Super producer Metro Boomin recruits Drake and Migos' Offset for his brand new single called No Complaints off his upcoming new album Boominati which dr…
Stream Wiz Khalifa's 'Bong Rips' EP
Wiz Khalifa - Bong Rips (EP Stream)
After Pre-Rolleds, Taylor Gang boss Wiz Khalifa returns with another four-song EP called Bong Rips. This time we get four tracks with contributions from C…
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Cassandra P is the number one Gardner destination when it comes to providing all of your wedding day needs. Call today and find out more on our collection of Wedding Tiaras and more.
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Looking for a place to call home while you're studying in Lisbon? This nice and suitably-located apartment in Entrecampos is ideal for you - the metro and train station is very close and the area is also supplied in supermarkets, typical restaurants, coffee shops, supermarkets and - even better - the city's main university campus!
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Path to university
At Uniplaces we make the process of booking an apartment as easy as possible for both tenant and landlord.
That's why we have our own team of professional photographers that verify our properties and pick our landlords carefully in order to save time on viewings: we think it's old-fashioned and time-consuming.
You can look at forty different apartments on our platform in the same amount of time that it takes to see a room.
The pictures you see here haven't been photoshopped, so they'll be really accurate.
If you've still got any doubts, we'll keep the money that you transfer us until 24h after your move-in date.
If something's not exactly what you saw online, we'll help you move somewhere else and return your money.
We can only give you the contact details of your landlord after your booking is accepted. But we can guarantee that Uniplaces chooses the landlords it works with very carefully.
Besides, we've had students whose favourite part was living with a local!
Landlords and host families can be great city guides, help you out with translations and even become your friends.
As soon as your booking is accepted, you're given the landlord's contact details. Then, you can discuss all details directly with them, such as when you'll be moving-in.
Students move in and out at different times, so your flatmates might change during your stay.
It's a great opportunity to make new friends!
We personally speak to students who we place in Uniplaces apartments and are sure we will find the right place for you as well!
At the bottom of the property page, you have a calendar where you can see the availability of that room/apartment, according to the landlord.
But if you're still unsure about that we're happy to help.
Tell us your move-in and move-out dates and we will double-check if the place is available for you!
There are two different types of deposits: the Holding and Security deposits.
By clicking on "Deposit" at the bottom of the offer page you will get more information about each type of deposit.
In general, the deposit is paid to cover for any potential damages that may occur during your period of stay or will be used as rent compensation in case you leave earlier than originally planned.
If no damages occur and you leave on the agreed move-out date, your deposit should be refunded by the landlord in a way you both agree on.


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It only takes a minute to get started. Fill out our uncomplicated sign up form and login to the website.
This step is up to you but will dramatically multiply your chances of getting noticed by other people on the site. Introduce yourself, your hobbies and upload your nicest photo of yourself.
Utilise our website's advanced search to pinpoint members who fulfill your requirements. Or just flip through listings and pinpoint members that take your fancy.
Located someone who looks like a good match? Send a message to them or just a wink and take it from there. With a little luck you'll be on your way to an amazing adventure.
And start dating


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Tag Archives : Dacia
Dacia Logan and Dacia Sandero to get AMT gearbox – Report
Dacia will offer AMT in its vehicles in Europe, will call it Easy-R. Dacia's products will soon be getting an option for AMT technology in Europe..
Low Cost Brand from Fiat for Europe- Possible partnership with Tata Motors
Italian car maker Fiat is planning to launch a new low cost brand in Europe and bring to the market, three models under a new.
Renault Sand'up based on the Dacia Sandero
Renault knows how to spawn multiple cars from the same platform. Have a look at their upcoming cars- the Sandup based on the Sandero's platfrom.


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Come Worship with Us!
- 8:15am Traditional Worship Celebration
- 9:30am Sunday School for all ages
- 10:30am Blended Worship Celebration (with music by the Worden Praise Band)
Meet Our Staff
- Rev. Changsu Kim Cell: 913-752-7275 email@example.com
- Church Secretary- Jamie Davis Church: 785-594-7598 email@example.com
- Youth Director- Betsy Ulrich Cell: 417-682-4042 email@example.com
- Children's Director- Chelsy Ausherman Cell: 785-371-6260 email@example.com
- Director of Music- Susan Gammon Home: 785-255-4622 email@example.com
- Traditional Worship Service Music- Bette Stefanik Home: 785-594-9896


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Hanson Lane Enterprise Centre
Hanson Lane
Tel: 01422 347392
Fax: 01422 365074
Email: email@example.com
Web: www.regen.org.uk
A community based regeneration programme. We provide learning and training opportunities and have a team of dedicated Employment Advisors to assist with employment and training searches.
We also have Urdu, Punjabi, Begali and East European speaking workers available.
Monday to Friday
price on application
Email: email@example.com
Tel: 01422 393000
Textphone: 01422 393398
Text messages only: 07776454642
Email: firstname.lastname@example.com
Tel: 01422 363561
1 Park Road, Halifax, HX1 2TU
this service to your shortlist
Print service details
Email this service to a friend
Report an error or omission with this service
Request a change to this service


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Home >> Travel Coffee Color Dots Print Zip up Pink Comestic Storage Case for Lady
|Product Name
|Cosmetic Bag
|Dots Pattern, Dual Zipper Closure
|Nylon, Polyester
|Pink, Coffee Color
|Bag Size (Unfolded)
|20 x 12.5 x 9.5cm / 7.8" x 4.9" x 3.7"(L*W*H)
|Mirror Size
|5.5 x 5.5cm / 2.2" x 2.2"(L*W)
|Strap Length
|14cm / 5.5"
|Net Weight
|Package Content
|1 x Cosmetic Bag
- Features dual zipper closure, one hand strap on the top, dots pattern, foldable design, etc.
- There are four brush holders, a fastening strap and a mirror inside. Brings you much convenience.
- Can fold to flat, easy to store.
- A wonderful accessory for women to hold cosmetics, such as perfume, eyeblack, lipstick, nail polish, toner, etc.
Other Choice (in stock)
- L Women Lady Shapewear Firm Control Tummy Slimmer Full...
- $11.21
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- 15pcs Pro Makeup Brushes Set Eyeshadow Eyeliner Lip Brush...
- $11.66
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This collection brings together the best of C.S. Lewis's letters, many published for the first time. Arranged in chronological order, this final volume covers the years 1950 - the year 'The Lion, the Witch and the Wardrobe' was published - through to Lewis's untimely death in 1963. C.S. Lewis was a most prolific letter-writer and his personal correspondence reveals much of his private life, reflections, friendships and feelings. This collection, carefully chosen and arranged by Walter Hooper, is the most extensive ever published. In this great and important collection are the letters Lewis wrote to J.R.R. Tolkien, Dorothy L. Sayers, Owen Barfield, Arthur C. Clarke, Sheldon Vanauken and Dom Bede Griffiths. To some particular friends, such as Dorothy L. Sayers, Lewis wrote over fifty letters alone. The letters deal with all of Lewis's interests: theology, literary criticism, poetry, fantasy, children's stories as well as revealing his relationships with family members and friends. The third and final volume begins with Lewis, already a household name from his BBC radio broadcasts and popular spiritual books, on the cusp of publishing his most famous and enduring book, 'The Lion, the Witch and the Wardrobe', which would ensure his immortality in the literary world. It covers his relationship with Joy Davidman, subject of the film 'Shadowlands', and includes letters right up to his death on 22 November 1963, the day that John F. Kennedy was assassinated.
"synopsis" may belong to another edition of this title.
C.S. Lewis (1898-1963) is one of the greatest writers of the 20th century and his works of children's fiction, fantasy and popular theology are enduringly appealing. The biographical film 'Shadowlands' has brought Lewis to a wider audience, as has the celebration of his centenary, including the RSC production of 'The Lion, The Witch and the Wardrobe.'Review:
'This magisterial collection of letters of his last 14 years reveal a further growth of Lewis's imagination.' The Observer
"About this title" may belong to another edition of this title.
(No Available Copies)
If you know the book but cannot find it on AbeBooks, we can automatically search for it on your behalf as new inventory is added. If it is added to AbeBooks by one of our member booksellers, we will notify you!Create a Want


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All Android applications categories
This is the wifi hacking (prank) app for Android !
You can convince your friends !
Remember that it's just a fun app. It isn't hacking ( this is illegal and not possible ). It was made just for entertainment.
This app contains notification (push ads) and banner ads. It's the way to keep 100% free! By downloading this app you accept to receive them (also which can be found in app).
You can remove app to stop notificications.
Thank you.
tags: wifi hacker, wifi hacker, wifi, wifi hacking.
Tags: the wifi hacker , the best develope wifi hacker , wifi hacker , i hacker
from 255 reviews
Download The WiFi Hacker
Free - V5.00 - 254K
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Rating: 1.0/5 (Total votes: 1)
IMPORTANT: App works only on devices with CAMERA (either back or/and front).
Texts for speech bubbles can be generated AUTOMATICALLY or entered MANUALLY.
Currently only English language is supported.
Permissions are only for displaying the ads and for sharing/saving the photo.
» show all
FreewareAndroid - Free Downloads Android Market Apps, Applications, Games, APK, WiFi, Sync, GPS for Google Android OS


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By Primolicious LLC
Open iTunes to buy and download apps.
Charcuterie is the practice of preserving meats through various methods. Now it is commonly used because of the flavors established through the preservation techniques.
There are many types of charcuterie, from cured whole meats to dried sausages and the differences between the products can be confusing. Our Charcuterie app will give you information about 40 of the most popular types including:
Where it originated
The type of charcuterie it is
The main ingredients used
Other typical ingredients
Other names each one is known by
And an extended description of the product
The full list of charcuterie products we cover is Andouille (French), Andouille (Louisiana), Bacon, Bangers, Bologna, Boudin Blanc, Bratwurst, Bresaola, Canadian Bacon, Coppa, Corned Beef, Duck Confit, Frankfurters, Galantine, Gravlax, Guanciale, Head Cheese, Isterband, Kielbasa, Knackwurst, Kobalsz, Lardo, Liverwurst, Maltese Sausage, Merguez, Mexican Chorizo, Mortadella, Pancetta, Pastrami, Pepperoni, Pork Rillettes, Prosciutto, Roulade, Salami, Saucisson, Sauerkraut, Spanish Chorizo, Tasso Ham, Terrine, and Weisswurst.
Please let us know what other types of information and what charcuterie products you'd like us to cover in the future!
Customer Reviews
The "cure" to all my meat needs!
I still might not know how to properly pronounce charcuterie, but now I at least know a lot about cured meats with this app. I can order and plan a charcuterie platter with confidence now, as this app lets me know all I need to know on the different cured meats.
I've Come A Long Way
Barely know what charcuterie was before getting this app - now I feel like I know what all the excitement's about around this topic. Having a party next week planned around a charcuterie platter. Plan to try about a dozen that sounded good to me.
This app is just descriptions of meats. I looked up chorizo because I wanted to learn how to make it and I ended up reading its culinary history. I could have googled that same info without paying for it. I sent an email to a contact on the site wanting to know if I am missing the boat or is this app just a description of variously meats. I never had a response. Deleted. The positive reviews must be phony because this app has no real purpose.
- $1.99
- Category: Food & Drink
- Released: Oct 03, 2012
- Version: 1
- Size: 20.1 MB
- Language: English
- Seller: Jason Logsdon
- © 2012 Primolicious LLC
Compatibility: Requires iOS 4.3 or later. Compatible with iPhone, iPad, and iPod touch.


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Bhopal, Jan 15 (UNI) Pointing out that distribution of foodgrain under the Public Distribution System (PDS) was a state subject, Leader of the Opposition in the Madhya Pradesh Assembly Jamuna Devi today said that if customers were receiving substandard wheat then the state government was responsible for it.
''Chief Minister Shivraj Singh Chouhan is speaking of inferior-quality red wheat. He should provide an answer to why substandard wheat was lifted and distributed through PDS. In such a situation, the Bharatiya Janata Party regime should stop distribution of substandard wheat,'' the Congress leader said in a statement issued here.
Alleging that the state government did not purchase wheat at support price, Ms Devi felt that was why it was having to rely on imported wheat. Objecting to Mr Chouhan's expressing anger over distribution of red wheat, during his sudden inspection of the Food Corporation of India's local godown yesterday, she said that it was improper from the constitutional point of view.
Expressing annoyance over supply of imported ''substandard'' red wheat to Madhya Pradesh under PDS, Mr Chouhan yesterday said that he would raise the matter during his New Delhi visit on January 22 and demand immediate cessation of such supply.


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Microsoft is urgently investigating a problem affecting its much-vaunted new operating system, Windows 7.
The error, described as a "black screen of death", results in the user being confronted with a dark screen after logging on to their PC. The software company said it was looking into reports that a security update issued last month had created the problem.
According to reports, the flaw also affects Vista and XP as well as other older Windows systems. The software firm Prevx said "millions" of people could be affected, and that many had resorted to re-installing Windows 7 to resolve the problem.
Microsoft said people who are affected by the bug should contact its customer service line. So far it has not issued a fix for the problem, which causes the desktop, task bar, system tray and side bar to disappear.
The nickname "black screen of death" is an update of the similar "blue screen of death", which often appears when Microsoft operating systems crash.
- More about:
- Microsoft
- Microsoft Excel
- Microsoft Xbox
- Software


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Cinderella was right when they sang "Don't Know What You've Got ('Til It's Gone)." The Ford Ranger has left the country only to reappear around the globe, looking pretty darn good in the process. Leading the charge into our now-broken heart is the 2012 Ford Ranger Wildtrak; a diesel-sipping, off-road ready, gadget-packed pickup truck that's making out with the rest of the world while all we can do is watch from the sidelines.
The Wildtrak is the newest range-topping trim and it comes crammed full of features. On the outside, the Ranger Wildtrak sports a unique color scheme on its front fascia, 18-inch wheels and a roof rack. Inside, the cabin is fitted with a touch-screen control system that features satellite navigation, Bluetooth, iPod integration and voice recognition.
Under the hood, the 2012 Ford Ranger Wildtrak is offered with a choice of two diesel engines: A 2.2-liter four-cylinder that produces 277 pound-feet of torque or a 3.2-liter inline-five that generates an impressive 347 lb-ft.
You can stare at it all you want in the gallery below. Just know that heartaches come and go, and all that's left are the words.


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With Instructables you can share what you make with the world, and tap into an ever-growing community of creative experts.
Tell us about yourself!
Arduino Sous-Vide Cooker
Cheap and effective Sous Vide cooker (Arduino powered)
Simple Sturdy Low Cost Furniture
Power Brush - Drill Attachment
Make a Custom Printed Double Sided No. 10 Business Envelope From a Sheet of Paper
Stencil for Disability Parking Space
Fountain Pen Problems
Efficient LED Bike Light System
Buggy - A Crafty Programmable LED Creature
Self Sufficient Arduino Board
S.P.R.E.E. (Solar Photovoltaic Renewable Electron Encapsulator), a Compact, Durable, and Portable Solar Energy Generator
Garduino: Gardening + Arduino
Solar Battery Charging
Small Solar Panel
Guy Fawkes Mask in Origami
Let your inbox help you discover our best projects, classes, and contests. Instructables will help you learn how to make anything!
© 2016 Autodesk, Inc.


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Telesurf offers NBN, ADSL and landline phone plans and home security for residential and business customers.
What services does Telesurf offer?
Telesurf offers internet services, including Fibre to the Premises (FTTP), Fixed Wireless, Fibre to the Node (FTTN) and Fibre to the Business (FTTB). All of the services are available for residential and business customers. The NBN services vary between either 200GB or 1TB of data per month. If the NBN is not available in your area, Telesurf also offers ADSL2+ services with unlimited data every month. Additional phone and security services can be added onto all NBN and ADSL2+ plans, or they can be connected independently.
How much does Telesurf cost?
Depending on the service you choose, whether it's NBN, ADSL, phone service or security, the costs per month can vary. Due to different set-up procedures, the set-up costs also vary depending on the service you choose, and they can range between $70 and $109. Modems are not included in the set-up cost and must be purchased prior to installation, or, if the customer desires, a modem can be purchased directly from Telesurf for $109. Adding on a phone or security service will also attract an additional cost. The phone service will cost either an additional $9.95 or $32.35 per month and the security service will cost an additional $25 per month. Business customers have access to all of the residential services, which are similarly priced.
Telesurf home phone services
NBN and ADSL customers are able to sign up to a home phone service. NBN phone services cost an additional $9.95 per month with local and national phone calls included and mobile calls costing $0.22 per minute. ADSL2+ phone services cost $32.35 per month, local calls are included, national calls cost $0.09 per minute and mobile calls cost $0.28 per minute.
Telesurf security plans
For $25 per month, Telesurf offers an extensive security service. Telesurf uses Home Alert, which is a two-way wireless alarm system that is specifically designed for residential homes and small businesses. The system comprises of one main control panel, one movement detector with a camera, one movement detector without a camera, one door/window sensor, two four-button remote controllers and an internal siren. This hardware will cost an additional $300. Extra security devices can be added on at an additional cost.
Pros and Cons
- Low price point. All of the services offered, whether it's ADSL2+ or NBN, are relatively inexpensive. Compared to Telstra or Optus, Telesurf is a cheaper alternative that offers similar services.
- Security. Unlike many telecommunication providers, Telesurf offers an extensive security range for residential properties and businesses. This feature sets them apart from the competition.
- Modems are not included in set-up fees. Most providers include a modem in the set-up costs; Telesurf does not.
- ADSL2+ phone service costs. Charging an additional $32.35 per month for a phone service is an unusually high extra cost. Also, this phone service only includes local calls, so if you call national or mobile numbers, the cost per-month may increase drastically.


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Stylish Ear Jewels
Plugs, tunnels and expanders are body jewelry here they are made of surgical steel and used to pierce the flesh of ears and they are light in weight. These piercing rings are authentic tunnels expander plugs surgical steel. They are used to expand the flesh here hollow tunnels can be worn. They come in small sizes and are light in weight and are iodized and hygienic and they do not corrode.
These flesh tunnels, plugs and expanders are with various studded gems, stones and pearls and they take omens glamour to a whole new level and are style statement in parties and gatherings.


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|<< Previous book
Four Elements(2014)
A collection of stories by Linda Addison, Rain Graves, Charlee Jacob and Marge Simon
Four Bram Stoker Award -winning poets join together to paint a rich, dark tapestry of evocative emotion in The Four Elements. From modern interpretations to ancient mythology, they explore the magic and mystery of Fire, Water, Earth, and Air. Their vivid poetry and prose brings to life a universe in a grain of sand, taking the reader through a journey of discovery from the inside out. Hear the hot voice of invisible awareness in Linda Addison's interpretation of Air. Explore the realm of ethereal and surreal liquidity in Rain Graves' Water. Burn from crevice to crown in Charlee Jacob's wild-eyed visions of Fire. Contemplate Marge Simon's poignant twists of dark irony to eruptions of spontaneous wonder in Earth. There is something for everyone in The Four Elements - conjured especially for the reader that likes to examine the meticulous depth and meaning in every word.
Used availability for Linda Addison's Four Elements
See all available used copies of this book at Abebooks UK or Abebooks US
Kindle Editions
September 2014 : USA, Canada, UK Kindle edition
|Title: Four Elements
Author(s): Charlee Jacob, Rain Graves, Marge Simon, Linda Addison
Publisher: Bad Moon Books
Availability: Amazon Amazon UK Amazon CA
Genre Pages


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Just when you thought you'd had enough of catty comments, breaded brie and cringe-worthy drunken taxis home, Come Dine With Me returns tonight with a new format that promises to take on-screen backbiting to a whole new level.
Couples Come Dine With Me will see three couples competing daily for the chance to win £1000.
Relationships will be put under the spotlight as the couples give their verdict on each other's compatibility, as well as their cooking.
The series will return to middle class suburbia tonight as three couples from Hertfordshire and north London take turns to impress in the kitchen.
Married for 27 years, Dawn and Simon will take on hipsters Darren, 32, and Sian, 27, who both find it hard to relate to multi-lingual lawyer Ayesha, 46, and astrophysicist Stephen, 42.
After Ayesha reveals that Stephen calls her "darling, sweetie and honey pie" over the dining table, the other couples have a lot to talk about behind closed doors.
Lady Gaga-lookalike Sian says: "I don't think Ayesha and Stephen call each other Honey Pie in real life. I think he calls her Ma'am," while upstairs, 55-year-old Dawn voices her concern that Stephen is "suppressed".
"He's suppressed. I would think he is a suppressed man. I would imagine he went to a boarding school where his whole emotions and…I'm getting a bit philosophical now!," she says, before her husband Simon interrupts to tell her to stop talking "baloney".
Come Dine With Me has always been great TV, and this latest instalment looks likely to get even better.
Coupled Come Dine With Me stars tonight, Monday 7 July, at 5pm on Channel 4Reuse content


text: A question that has been bouncing around my head for years, is that when benchmarking any hard drive, it always produces the same general pattern...a gradually declining slope with regularly spaced dips across the entire slope. I just don't understand why those dips exist, because it doesn't matter what drive, OS or benchmark tool that is used, they are always there. The actual distance in GBs will vary, depending on the size of the drive, but the dips will occur at a set interval for a given size of drive. If those dips represent real changes in performance, what is the cause. If not real changes, then what are they?


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3185 Greenbriar, Harbor Springs 49740
See more homes for sale in Harbor Springs, MI
This custom-designed home is ideal for both entertaining and creating family memories. High vaulted ceilings throughout. Grand double door entry and foyer. Floor to ceiling windows with golf course views, natural fireplace & hardwood floors on main level. Kitchen with granite, stainless & double ovens. All bdrms. have en suite baths. Master bdrm. has large Jacuzzi Whirlpool tub. Amazing finished walk-out lower level with rec./game room, wet bar, natural fireplace, wine storage, full bath and library.
Property Information
- Status
- Active
- Address
- 3185 Greenbriar
- City
- Harbor Springs
- Zip
- 49740
- County
- Emmet
- Township
- West Traverse
- Possession
- Zoning
- Res
- Total Finished SqFt
- 5,150
- Above Grade SqFt
- 3,773
- Garage
- 2.5
- Garage Desc.
- Garage-Attached
- Waterfront Desc
- Neither
- Water
- Community
- Sewer
- Septic
- Year Built
- 1996
Rooms and Land
- MasterBedroom
- 19.8 x 17 2nd Floor
- Bedroom2
- 16 x 12 2nd Floor
- Bedroom3
- 15 x 14 2nd Floor
- Bedroom4
- 16 x 32 2nd Floor
- Bath1
- 2nd Floor
- Bath2
- 2nd Floor
- Dining
- Open to living room 1st Floor
- Family
- 21 x 17 1st Floor
- Kitchen
- 17 x 13 1st Floor
- Laundry
- 1st Floor
- Living
- 35 x 17 1st Floor
- Other
- Full BAth 2nd Floor
- Other2
- Half Bath 1st Floor
- Basement
- Finished, Full, Walkout
- Heating
- Natural Gas
- Lot Dimensions
- 150 x 220
- Features
- Cable, Cathedral Ceilings, Ceiling Fans, Central Air, Deck, Dishwasher, Dryer, Garbage Disposal, Paved Drive, Range, Refrigerator, Washer, Whirl Pool, Wood Fireplace, Wood Floors
Listing Video for 3185 Greenbriar, Harbor Springs MI 49740
Mortgage Calculator
Listing Broker
Listing Courtesy of Coldwell Banker Schmidt- Harbor Springs
Office Address 172 E. Main St.
Listings last updated: . Some properties that appear for sale on this web site may subsequently have been sold and may no longer be available.
Our Michigan real estate agents can answer all of your questions about 3185 Greenbriar, Harbor Springs MI 49740. Real Estate One, Max Broock Realtors, and J&J Realtors are part of the Real Estate One Family of Companies and dominate the Harbor Springs, Michigan real estate market. To sell or buy a home in Harbor Springs, Michigan, contact our real estate agents as we know the Harbor Springs, Michigan real estate market better than anyone with over 100 years of experience in Harbor Springs, Michigan real estate for sale.
The data relating to real estate for sale on this web site appears in part from the IDX programs of our Multiple Listing Services. Real Estate listings held by brokerage firms other than Real Estate One includes the name and address of the listing broker where available.
IDX information is provided exclusively for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Northern Michigan MLS, Inc © All rights reserved.


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June Quarterly Meeting
Join us on Saturday June 17, 2017 for the Quarterly Meeting! A fun time to share experiences and learn about the many activities taking place between WI and Nicaragua. Please RSVP by June 12th.
- 9:00 Enjoy delicious Nicaraguan Coffee while meeting new friends
- 9:30 Board of Directors Meeting
- 11:00 Volunteers Meeting begins
- 12:00 Social Hour *
- 1:00 Volunteers Meeting resumes
- 2:30 Wrap ups and farewell
For more information, click here.
Cultural Commons Park Project
The Cultural Commons is an interactive garden and education space to be constructed within Pfiffner Pioneer Park in Stevens Point, Wisconsin.
The Commons will provide a place to learn, reflect, engage and enjoy. Further, it will be a place to celebrate our cultural diversity in historic and contemporary times.
Please indicate Culture Commons Project if you donate on WNP website, paver and bench information can be found on the Support page.
Website | Project Description | Site Dedication Event Photos
Stevens Point/Estelí Partner City Fund raiser June 22
Click here for more information. Tickets may be purchased through the W/NP office at 1209 Fremont Street, Stevens Point, WI 54481
Call or email to make arrangements if you would like to purchase tickets online or over the phone. 715-346-4702 firstname.lastname@example.com
If you are unable to attend, and would like to make a donation to the bench in The Cultural Commons Park in honor of the Stevens Point/Estelí Partner City's 27 year friendship, click here and make a note in comment section for Stevens Point/Estelí Cultural Commons.
W/NP Booklet
Dear Members and Friends of W/NP,
Through 50 years of Partnership we've come a long way. The age of technology has made it easier to stay connected and work together. Each year new projects are developed while existing programs successfully move forward. W/NP could not exist without the many volunteers who offer their time, talent and treasure.
Click here for our booklet that holds a snapshot of what W/NP is all about. After reading about the programs, we hope you discover a way to be involved and share your talents.
"The best way to find yourself is to lose yourself in the service of others." Mahatma Ghandi
Linda A. Weber
2017 Martin Eyeglass Distribution
Each year the Wisconsin Lions Camp in Rosholt, WI supplies refurbished eyeglasses to W/NP and the WI Lions for distribution in Nicaragua. Nearly 10,000 people are evaluated and fitted with eyeglasses annually by the Martin Eyeglass Project and the WI Lions Mission.
This year the Martin Project is traveling to rural communities in the Esteli and Jinotega areas of Nicaragua. Click here for photos.
Significant planning and resources from a vast group of participants, make clear sight and improved vision a reality for many who otherwise may have no other options. This project is made possible by Lions International. There are approximately 20 Lions centers worldwide that coordinate, sort, clean, categorize, box and label donated eyeglasses to prepare for distribution to developing countries such as Nicaragua.
Annual Fund Drive
Sustainability is paramount in what W/NP has been able to accomplish over its 50 years of continuous projects in Nicaragua. The mission is simple and effective: ALL WHO ARE
INVOLVED (in various aspects) improve their quality of life in practical and sustainable ways. Your financial contributions are greatly appreciated and are put directly to work. The Nicaraguans have proven that every element of goodwill pays huge humanitarian dividends over time.
This comment from Nicaragua exemplifies their philosophy: "Everything we do with the different projects is done with love and passion, and we do it because we care for other people and believe we can make a difference and improve their lives."
Our volunteers and supporters recognize that the organization is a good investment in citizen diplomacy focused on grassroots humanitarian projects. W/NP encourages individuals and groups to take the lead in creating and sustaining whatever the project may be. These capable Nicaraguans have done wonders with every project such as the Learning Centers, lending libraries, burn project, youth development, women's empowerment, sports, leadership development and many others.
Click here for the annual fund drive letter
"An amazing group of people in both countries working together to help those in need through education, support and inspiration." Ray Gausmann, W/NP volunteer
WNP 50th Anniversary
The 50th Anniversary was a grand event where over 250 shared an evening of dining, entertainment and fellowship as we celebrated the 50th Anniversary of Wisconsin/Nicaragua Partners of the Americas! United States Ambassador Laura Dogu kicked off the evening with this message: https://www.youtube.com/watch?v=PcZ82ZFv3ow
Photos from the 50th Anniversary event:


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Learn More About Hunting Base Layers
A good base layer is essential to your comfort on the hunt. At Field & Stream, you'll find hunting base layers from the best brands, like Under Armour®, ScentLok® and more. Shop breathable thermal underwear and base layer tops to ensure you stay warm in the field all day long. Get the camo you need to match your other hunting clothing and environment—choose top patterns from Realtree® and Mossy Oak®.
Buying Considerations
The key thing to consider when choosing a base layer is the weight. At Field & Stream, you'll find lightweight, midweight and heavyweight base layers. Think about the conditions you'll be hunting in to determine the amount of protection you need.
- Lightweight base layers typically have great sweat-wicking properties but not much in the way of insulation, making them ideal for early fall deer hunts and spring gobbler. If the temperatures are warm enough, the base layer can serve as your outer layer, and you can easily slip on a camo hoodie or hunting jacket if a cold front moves in.
- Midweight base layers will serve you well in moderate winter conditions. Midweight base layers trap the heat you need to stay warm without causing you to overheat.
- Heavyweight base layers are what you want for extreme winter weather, as they provide the most insulation against frigid cold and wind.
Today's base layers are made from advanced performance fabrics. Synthetic materials, especially polyester, are quite effective. Merino wool is a top choice among many hunters because of its incredible comfort, moisture-wicking effectiveness and odor resistance.


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Crude Oil Daily Technical Outlook
Nymex Crude Oil (CL)
Crude oil loses some upside moment but still intraday bias remains on the upside for the moment. Current rise is expected to target 100% projection of 64.23 to 79.38 from 71.09 at 86.24 next. On the downside, below 81.11 minor support will turn intraday bias neutral and bring consolidations. But break of 75.90 support is needed to indicate that crude oil has topped out. Otherwise, short term outlook will remain bullish.
In the bigger picture, there is no change in the view that rise from 64.23 is a correction to fall from 87.15 only. Hence, even in case of further rally, we'd expect strong resistance below 87.15 high and bring reversal. On the downside, break of 71.09 will be the first signal that whole fall from 87.15 is resuming for another low below 64.23 towards 50% retracement of 33.2 to 87.15 at 60.18


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Back in 1986, when I was a Legislation Attorney at the Joint Committee on Taxation, I was a member of the staff team that worked on drafting and designing the passive loss rules, which famously dinged tax shelters in general, including those that used real estate investments. (Shelters were more general than this, however – e.g., cattle feeding shelters were another big favorite, and I remember one which involved marketing master cassette videotapes of Vincent Price narrating passages from the Bible.)
So it's been interesting – a trip down memory lane and all that – to see the passive loss rules resurfacing in re. Trump's taxes. But this has actually followed two distinct channels. First, however, a bit of background.
The passive loss rules' basic aim, in very broad overview, is as follows. At the time of enactment, people with sources of high taxable income that could not directly be tax-massaged very much (e.g., salaried professionals such as doctors, dentists, and lawyers) were buying investments that were designed to generate large tax losses, without commensurate economic losses. These losses were used to offset the positive taxable income, hence "sheltering" it. So the rules said: If you invest in a passive activity, i.e., one in which you do not "materially participate" or that is a rental activity (since those often require little work), you generally can't deduct any resulting passive losses against your nonpassive income. This appears to have been quite effective in shutting down the 1980s-era tax shelter industry, although as usual there are empirical questions about what caused what.
In 1993, or six years after I had left the JCT and started my academic career,Congress enacted a special exception to the passive loss rules, permitting people who qualified as real estate professionals to avoid having their rental real estate activities treated as passive. This meant that their tax losses from these activities could indeed be deducted against other positive income.
Anyway, onto the dual Trump connection. First, yesterday's NYT had an editorial decrying Trump's tax avoidance, and singling out theexception to the passive loss rules for real estate professionals cas case in point. The Times rightly notes that this would have permitted Trump to deduct tax losses from rental real estate against "earnings from The Apprentice and money made from selling steaks and neckties."
Fair enough. But I'll admit that I never considered the passive loss rules' impact on that type of circumstance as being really at its core, which (as noted above) had more to do with the mass-marketed tax shelter industry of that era.
Second, someone sent me the tape and transcipt of a 1991 Donald Trump CSPAN appearance, as a witness at a House hearing about real estate policy, available here. (You have to scroll down a bit for Trump's testimony.) Interesting stuff.
An initial point is that reading this transcript increases my estimate of the probability that the Trump of today is suffering from age-related dementia. (This is actually something that I have been wondering about.) He is more coherent and focused – able to speak in complete sentences and pursue a single line of thought – in the 1991 tape & transcript than he appears to be today. But what he has to say about tax policy is rather amusing.
In particular, he denounces the 1986 Tax Reform Act, and the passive activity rules in particular, as a horrible disaster for real estate. Given his line of business, he is understandably upset that the passive loss rules took passive investors out of the market, thereby (he asserts) depressing real estate prices and activity.
It does, however, feature a comical misunderstanding by Trump of how market economies operate. He says we are now in a Soviet-style world where there are no "incentives" to invest.
But what he means by no "incentives" to invest is that the only reason to invest would be expecting an actual (and pre-tax) profit. So, for Trump in 1991, "Soviet-style" means market-based, whereas the approach that's actually closer to being Soviet-style – having the government, through tax policy, decide where investment capital should go – is supposedly its opposite.
At least Trump in 1991 sufficiently had the courage of his convictions to say that tax rates should be much higher than they were after 1986 – not, mind you, to raise revenue or in pursuit of tax fairness, but simply to make the tax incentives (if delivered in the form of deductions) more powerful than they would otherwise be.
I know of no other case in which someone called for higher tax rates just to make tax incentives more powerful. I recall from 1986 that the charitable community was very aware that lower tax rates would be expected to reduce charitable giving, all else equal, but the use they made of this was more to argue that something else should be done for them than to say that rates should stay high just for their convenience.
Needless to say, lower tax rates don't have to imply weaker tax incentives for particular activities. E.g., Congress could provide percentage credits in lieu of deductions. An example would be combining (a) reduction of the top tax rate from 50% to 28% with (b) conversion of charitable deductions into 50% credits, so that if you gave $1 to charity you got a 50-cent credit against your overall tax liability.
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