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The Seaside Police Department invites Seaside residents to join them and over 15,000 other communities on Tuesday August 6th to promote a police community partnership; crime, drug, and violence prevention; safety; and neighborhood unity. Over 37 million people throughout the country and our military bases are expected to participate this year. Seaside residents have the opportunity be a part of this national event and join their friends and neighbors in celebrating this 30th Annual National Night Out crime prevention event.
This is the 8th year for this event in Seaside and it will again be held at Broadway Park and Cartwright Park. The Rotary Club of Seaside and Seaside Kiwanis will provide free hotdogs, hamburgers, chip, drinks and a whole lot of fun. Sunset Park and Recreation will be there too providing games for the kids complete with prizes. The Seaside Chamber of Commerce will be furnishing desert and sponsoring numerous prizes throughout the evening.
As Chief Bob Gross explains; This is your chance to talk with an officer, ask questions, and find out whats going on in your community. Officers will be at each park to provide crime prevention information and provide information about drug activity, identity theft, or any other topic you concern you or your family.
Take this opportunity to spend some time with your friends, meet your neighbors, learn more about crime prevention and get a free meal. Dinner is on us Tuesday August 6th from 6:00 p.m. to 8:00 p.m. so pick the park closest to you and be a part of National Night Out.

subset: commoncrawl


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How come we feel so bad when we've got it so good? Even after a 12% gain in the S&P 500 index this year, uncertainty about the fiscal cliff, increased taxes, and still-high unemployment continue to wear down investors. Year to date, domestic equity funds have seen $110 billion in net outflows.
The new year could bring more of the same if economic uncertainty fails to lift, making the key question for investors not which way the market is headed in 2013, but which stocks are going to go up.
For the third year in a row, Barron's is taking a crack at that question, with our 10 Favorite Stocks for 2013, including blue-chips like Apple (ticker: AAPL), JPMorgan Chase (JPM), Royal Dutch Shell (RDSA), and Novartis (NVS), and smaller companies like Barnes & Noble (BKS) and disk-drive maker Western Digital (WDC), which appear sharply undervalued.
Many of this year's picks have been the subject of bullish articles in Barron's during the past year. Apple was featured in a recent cover story, while BlackRock (BLK), Barnes & Noble, and Viacom (VIAB) were profiled in recent months.
We're coming off a good year. Our 10 stocks for 2012 outpaced the market by four percentage points, gaining an average of 17% (see accompanying table). The two big winners were disk-drive maker Seagate Technology (STX) and cable operator Comcast (CMCSA), both up more than 60%. The worst performer was
Freeport-McMoRan Copper & Gold (FCX), which declined 22%, with nearly all of that drop coming last week amid negative investor reaction to its deal to buy two energy companies for $9 billion.
No matter which way the market goes, well-run companies should be able to deliver higher revenue and profits, even in a tough environment. All of our new favorites could produce 15% to 20% total returns (including dividends) next year. Here's a closer look:
APPLE is still going strong, even as the company's shares have traded down 23%, to around $540, from a September peak of $705. None of the recent investor concerns -- lower margins, supply constraints, management changes, iPad competition, and the iPhone 5 map fiasco -- are major. It's true that Apple's earnings growth has slowed to a 23% rate from more than 100% a year ago, but that's understandable, given the company's $156 billion in annual sales.
Veteran UBS tech analyst Steve Milunovich recently wrote that it's a "good time" to add to positions in Apple before year end, with the stock trading near its lowest price/earnings ratio in five years after two disappointing quarters. He carries a price target of $780. Apple trades for only 11 times projected profit of $49 a share in its current fiscal year, ending in September 2013. Strip out Apple's huge cash holding of $128 a share, and the effective P/E is just eight.
Even after implementing a dividend -- now providing a 1.9% yield -- and a modest buyback program, Apple should build cash at a rate of $40 billion annually. There's room for a higher dividend and a more aggressive share-repurchase program in 2013. Both could play well with investors.
BARNES & NOBLE'S bookstore division dominates the field, and the company's Nook e-reader unit is holding its own against Amazon.com (AMZN) and Apple. These achievements aren't reflected in Barnes & Noble's depressed stock price, which is flat this year at around $14. The stores now control almost two-thirds of the country's retail shelf space for books and are expected to generate more than $300 million of pretax cash flow in the fiscal year ending in April. The stores could be worth the entire current stock price -- Barnes & Noble has an equity value of just $880 million.
The Nook division is losing money, but that reflects a market-share grab, as Barnes & Noble seeks to get its e-readers into the hands of as many consumers as possible and then sell them profitable digital content, including books and magazine subscriptions. Microsoft (MSFT) likes Nook, having invested $300 million this year for a 17.6% stake in the division. That implies that Barnes & Noble's 82.4% of Nook is worth $1.4 billion, or $24 a share. While this calculation likely overstates Nook's value, the division probably is worth a good deal more than its implied price of zero. One fan is media magnate John Malone, whose Liberty Media (LMCA) owns about $200 million of Barnes & Noble convertible preferred stock.
BLACKROCK received a big vote of confidence this fall when director James Grosfeld purchased nearly 500,000 shares of the investment manager in the open market for $94 million, one of the largest insider purchases in the past decade. Grosfeld, a former CEO of Pulte Homes, wouldn't comment, but he clearly sees value in BlackRock shares, which have lagged behind those of its peers this year.
BlackRock, at $193, is valued at 13 times projected 2013 profit of $15 a share, a slight discount to its rivals; it yields 3.1%. BlackRock is the No. 1 investment manager, overseeing $3.7 trillion in assets. Its iShares is the leading provider of exchange-traded funds, with half of the market.
The three main concerns about BlackRock are that it's too big to grow, that competitive pressure in ETFs from Vanguard will push down fees, and that longtime CEO Larry Fink, viewed as one of his industry's best executives, might leave for the top job at the U.S. Treasury Department. (See Feature "Madame Treasury Secretary?".)
Bulls such as Morgan Stanley analyst Matthew Kelley see double-digit earnings growth next year, driven by iShares. Fink has dismissed talk that he wants to succeed soon-to-retire Treasury Secretary Timothy Geithner. "I'm not leaving this job," Fink said last week. "I will be at BlackRock as long as my board wants me here."
GENERAL DYNAMICS is best known as a defense contractor, but unlike its peers, it has a valuable nondefense business that isn't reflected in its share price. Gulfstream, a leading maker of corporate jets, produces almost 30% of General Dynamics' profits, and that percentage should rise in the next few years, with deliveries of Gulfstream's new top-of-the-line plane, the G650, which sells for $60 million and can fly nonstop from New York to Tokyo.
General Dynamics, at around $67, looks inexpensive, trading under 10 times projected 2013 profits of $7.32 a share. Gulfstream is expected to generate more than $2 a share of that. Put a P/E multiple of 14 on that contribution, and the private-jet business could be worth $30 per General Dynamics share. This suggests that the defense business -- including tanks, other armored vehicles, and nuclear submarines -- is valued at just seven times forward earnings. Defense contractors face tighter Pentagon appropriations, but the industry probably will avoid draconian reductions in spending, assuming Congress and the president reach a budget deal.
Barclays analyst Carter Copeland argues that General Dynamics could be the only major defense contractor to show higher operating profits through 2015. Incoming CEO Phebe Novakovic, who takes the top job on Jan. 1, could be a positive catalyst. What could be in store? A higher dividend, more aggressive share buybacks, or even a Gulfstream spinoff. The company has rejected the spinoff idea, but some investors think Novakovic might reconsider. Copeland's price target: $87.
JPMORGAN CHASE is a best-in-class bank, trading at a below-average price. At around $42, its shares fetch just eight times projected 2013 profit of $5.31 a share. That's one of the lowest price/earnings ratios among major banks.
JPMorgan is strong in all of its major businesses, including trading and investment banking, asset management, private and consumer banking, credit cards, and processing services. While rivals like Citigroup (C) and Bank of America (BAC) had to worry about survival during the financial crisis, JPMorgan invested to bolster key areas. It was embarrassed by $6 billion of trading losses this year caused by the "London Whale," but CEO Jamie Dimon is determined that a similar event won't occur.
Ross Margolies of Stelliam Investment Management recommended JPMorgan in a recent Barron's interview ("How to Play the Economic Recovery," Dec. 3), saying it should benefit from market-share gains at the expense of weaker European banks. The stock trades at only a small premium to tangible book value. JPMorgan yields 2.9%.
MARATHON PETROLEUM is a leader among independent oil refiners, one of the strongest industry groups in the stock market during 2012. Now trading at about $60, the stock could hit $82, according to Morgan Stanley energy analyst Evan Calio. Refiners have benefited from the boom in oil production in the central U.S. and western Canada, which has enabled them to buy crude at a discount to world prices, bolstering profit margins. That favorable price gap is expected to remain in place next year.
Even with its runup, Marathon commands less than seven times projected 2013 profits of $8.77 a share. In October, it agreed to purchase, at what appears to be a very favorable price, a huge Gulf Coast refinery from BP that will boost its capacity by 38%. A big plus for Marathon is its ability to transfer pipeline and other assets at high prices to a newly created master limited partnership, MPLX (MPLX). Marathon's dividend, now 2.4%, probably will rise in 2013.
NOVARTIS combines one of the pharmaceutical industry's best profit outlooks with an overlooked sum-of-the-parts story. At $62 -- 12 times projected 2013 profits -- the giant Swiss drug maker trades in line with its global peers. Its shares yield 3.4%. Profits at Novartis are expected to be down this year, in part because of the loss of U.S. patent protection for the blockbuster blood-pressure drug Diovan. But earnings are likely to rise next year.
Key drivers include Gilenya, a new drug for multiple sclerosis. Novartis also owns Alcon, a leading eye-care outfit, and Sandoz, one of the world's top generic-drug makers. Novartis doesn't get much credit for Alcon, which it bought in 2011 in a deal that valued Alcon at about $55 billion. Bernstein drug analyst Tim Anderson writes that Novartis "has one of the best revenue and EPS-growth profiles through 2016." He carries an Outperform rating and a $71 price target.
Breakups have been a big industry story, as Abbott Labs (ABT), Pfizer (PFE). and Bristol-Myers Squibb (BMY) have shed key units or split up entirely in moves that have played well on Wall Street. Novartis is cool to the idea, but it probably would gain more from a split than any other major pharma company.
ROYAL DUTCH SHELL has trailed Chevron (CVX) and ExxonMobil (XOM), its "supermajor" peers, in the stock market this year, with a decline of 8%, to $67. The shares look inexpensive, given the dividend yield of 4.4% and a 2013 P/E ratio below eight.
Headquartered in The Hague, Royal Dutch has bet big on huge liquefied-natural-gas projects in Australia and elsewhere; it now gets about half of its energy output from gas. That exposure worries investors for two reasons: First, the cost of massive LNG projects is rising, running into tens of billions of dollars; and second, the current link of LNG prices to oil could weaken. However, prices for internationally traded gas -- which mostly goes to the Asian market -- are much higher than those in the U.S.
The LNG concerns seem overdone, and Royal Dutch has the wherewithal to complete existing projects, even if oil prices fall moderately. Royal Dutch looks like a low-risk way to play the energy market.
VIACOM is an outlier in the hot media sector. Shares of the owner of the MTV, Nickelodeon, and Comedy Central cable networks, and the Paramount movie studio, are up 15% this year to $52, while Disney (DIS), Time Warner (TWX), CBS (CBS), and News Corp. (NWSA, the publisher of Barron's) all have gained about 30%. Viacom fetches 11 times projected 2013 profit, a sharp discount to its peers' average 13.
The shares have been hurt by persistent rating declines at the cable networks, mainly Nickelodeon. The bull case is that Viacom is steadily going private through one of the media industry's most aggressive share-buyback programs. That could lift the stock in 2013. Viacom repurchased more than 10% of its stock in its fiscal year ended in September, and a comparable buyback is expected in fiscal 2013.
Hits and Misses
Our list of stock picks for 2012 is nicely outpacing the S&P. Our home runs: Comcast and Seagate. Two strikeouts: Vodafone and Royal Dutch, a stock we think will bounce back strongly in 2013.
Viacom could fetch a sizable premium in a takeover, thanks to its valuable cable assets. The company is controlled by Sumner Redstone, 90. While Redstone plans to pass on his stake to his grandchildren, unexpected things can happen after the death of a controlling shareholder. Analysts at Gabelli have put Viacom's private-market value at $86 a share in 2014.
WESTERN DIGITAL and rival disk-drive maker Seagate have languished amid worries about the future of the PC market. The two major players trade at single-digit price/earnings ratios. Our preference now is for Western Digital, which has badly trailed Seagate this year. At $37, the shares trade for less than five times projected profits of $7.65 a share.
The disk-drive market remains substantial, with annual sales of more than 500 million storage devices. While PC sales aren't growing, demand for storage is, and other forms of memory are too costly for storing massive amounts of data. And since Seagate and Western Digital control more than 80% of the market, pricing pressures are unlikely. Western Digital has a strong balance sheet, with $1.4 billion, or $5 per share, in net cash. Given that and its earnings power, a leveraged buyout of the company is possible.
The company has pledged to earmark half of its free cash flow for stock buybacks and dividends, and there's room to boost the payout, which at 2.7% is just half of Seagate's. Needham analyst Richard Kugele has a Strong Buy rating on Western Digital and a $46 price target.
E-mail: firstname.lastname@example.com


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Only 11% of New Twitter Users in 2012 Are Still Tweeting
To celebrate its eighth birthday, Twitter released a nifty tool that allows users to travel back in their timelines to find the first tweet they ever sent. But here's the thing: The first tweet is the easiest. Getting users to send follow up tweets is the hard part.
According to a forthcoming report from Twopcharts, a website that monitors Twitter account activity, about 40% of the 20 million accounts that are registered on Twitter each month send at least one tweet the month they sign up. This excludes accounts that were suspended or deleted.
By the time Twitter celebrates its ninth birthday next year, Twopcharts estimates only a quarter of those accounts will still be tweeting.
The data illustrate the difficulty in getting users to be active participants on the service, underscoring the bigger issue of user retention that has been dogging the company for years. For the uninitiated, Twitter can be a confusing service to figure out with people using a kind of foreign shorthand to converse.
While Twitter can target advertisements to users based on their interests indicated just by who they follow, the more active the users are on the service the better.
Twitter can still serve ads to passive observers who just read tweets. But the company only makes money when a user engages with the ad. That means retweeting, replying, favoriting or clicking on the ad. Twopcharts tracks retweets and replies but not favorites.
To date, about 1.5 billion Twitter accounts have been registered, according to the Amsterdam-based Twopcharts. Of these, 955 million still exist today, but only 13% have tweeted in the last 30 days. That is roughly half of the 241 million monthly active users Twitter said that it had as of the end of 2013. Twitter defines a monthly active user as an account that logs in at least once a month. It does not necessarily have to tweet anything.
Twopcharts founder Adrianus Wagemakers said that he is only able to tell when a account has tweeted something, not when it has logged in. Wagemakers monitors the unique user ID numbers assigned to each Twitter account as they are created. Wagemakers's full report will be released the first week of April.
A Twitter spokesman declined to comment, saying the company does not comment on third-party data.
Twopcharts's data show that Twitter accounts created in more recent years are less active than the ones started by early adopters from 2006-2011. About 25% of the accounts created in 2008 are still tweeting today whereas only about 10.7% of the accounts created in 2012 are tweeting a little over a year later.
The Twopcharts report also highlights the proliferation of spam being created on the service.
Wagemakers says about half of the accounts registered in 2014 have been suspended by Twitter likely because the accounts were spam, compared to 28% in 2012. Twitter suspends accounts that exhibit spam-like behavior such as following and unfollowing other accounts in large and frequent batches. In all, roughly 500 million registered accounts have been suspended since Twitter was born, according to Wagemakers.
|New Active Accounts
|Tweeting in Feb. 2014
|4 million
|1 million
|68.1 million
|10.9 million
|112 million
|13.9 million
|180.2 million
|22.4 million
|251.8 million
|27.1 million
|284.4 million
|36.6 million
|Source: Twopcharts


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Duval's Fresh. Local. Seafood.
Fresh. Local. Seafood.
An eclectic eatery with a passion for stunning seafood and superb service.
With a focus on freshness and a desire to support our community we source only the finest ingredients from local fisherman and farmers.
Lunch, Dinner & Sunday Brunch. 7 days a week!
Keeping it fresh using only the freshest ingredients in the market. Duval's serves the freshest fish in town, receiving fish daily and filleting everything in house. Every item on the menu is made fresh and prepared to order - allowing us to accommodate all guests' special requests.
Duval's continues to provide locals with a fresh experience by refreshing our menu with new recipes and daily specials. Duval's also refreshes the wine list on a regular basis, always offering fresh and exciting wines for you to try.
Duval's is where locals come to get the best seafood that Sarasota has to offer.
Working with local fisherman and farmers allows Duval's to ensure you are provided the freshest local meal possible.
Duval's is ingrained with the local community working with many Sarasota organizations and associations in addition to supporting local charities.
Working together with local businesses allows Duval's to provide phenomenal food in this wonderful community.
Voted #1 Seafood Restaurant in Sarasota by Herald Tribune readers and OpenTable diners, Duval's serves the freshest fish in town, receiving fresh fish daily and filleting everything in house.
An eclectic seafood menu with different tastes allows you to select from a wide variety of seafood flavors through innovative recipes - showcasing the true flavors the sea has to offer.
Duval's sources only the highest quality seafood available ensuring you are provided with the best available.


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vanguardcapital necesitaba un nuevo diseño de página web y lanzó un concurso de diseño en 99designs.
Un ganador ha sido elegido entre 131 diseños de 23 diseñadores freelance.
http://www.planblegal.com - The nation's best place to find legal talent.
As the Internet's fastest growing legal job board for full time, contract, hourly and part-time legal jobs, we connect job seekers with thousands of active job listings from top legal employers across the country and abroad. Don't just wait for the economy to improve — be proactive and protect yourself against layoffs now by creating a profile and start searching for open legal positions immediately. Start searching attorney positions, in-house positions, paralegal positions and secretarial positions by clicking below. Find your perfect job now, and always remember a Plan B never hurts. Good luck and happy hunting.
It is a fact of life in the legal world that jobs come and go at a flash of an eye. With mergers and acquisitions becoming more popular by the day everyone should have a back up plan. Employers, what happens when your biggest client drops a huge litigation project on your desk? How are you going to fill all those contract document review positions in the next few days? What if your normal avenue of hiring fails?
We were established to help bridge the gap in the legal industry between legal employers and legal candidates. Our goal is simply to improve the effectiveness and efficiency of legal staffing and recruiting activities. Central to that effort has been the highly specialized proprietary software developed specifically for this website that allows us to key in on the exact needs of legal candidates, legal support companies, legal staffing agencies and law firms.
You are free to be creative, but for pointers I would like to point out that I like the look of 99 designs, voices.com, etc. that have big bold text, with easy to navigate content.
I want all critical information on the pages above the fold. I also would like to see some ideas on how we can incorporate twitter, facebook, etc. into the design (totally optional)...
Colors: I like the current colors, but am not married to them...please feel free to be creative!
At the end of the day I need to hand over the language for the new pages to my programmer so he can implement the new look, whatever that means (he will need the HTML, or whatever you guys and gals are using these days) ;)
Good luck!


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I am challenged when it comes to making patches and that they all match up. :( :( :shock: :cry: :roll: :?
Tips on what to do to improve your accuracey when stiching :D :D
You need to look at the cut edges of your patches as you are sewing on the machine - instead of watching the needle. By focusing on the
edge of the fabric, and making sure that it lines up with your
1/4 inch seam allowance marking. It is a better way to watch to see if you are going straight and accurate.
Pinning a seam that is longer longer than 2 to 3 inches is a good idea. Pin not just at the beginning or the end. That will help with stabilizing the fabrics, and you will be more likely to sew both fabrics an even 1/4 inch away from the edge.
When sewing angled, pointed pieces ( diamonds or
triangles), start with the wide end first. That way, the skinny
tip is less likely to get eaten by the feed dogs.
When you chain sewing, start with a scrap of fabric. Good way to start.
How to fix iffy blocks!!!!!!
Tips for sewing machine
Washing fabrix w/o fraying
Hope these tips will help :D :D :D


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Video Tour
P.O. Box 200
College Drive
Blackwood, NJ 08012-0200
*Official Address of the College
(856) 227-7200
Directions | Interactive Map | Map
200 N. Broadway
Camden, NJ 08102-1185
(856) 338-1817
420 North Woodbury-Turnersville Road
Blackwood, NJ 08012
(856) 374-4986
1889 Rt. 70 East
Cherry Hill, NJ 08003-2013
(856) 874-6000
HEOA/Consumer Information
Board of Trustees Details
Center for Civic Leadership
Conference Center
College Publications
Contact Us
Faculty and Staff
Gainful Employment
HFSN Alumni Transcript Request
Jobs @ CCC
Media Inquiries
Middle States Commission on HE
OPRA Request Form
Police Academy
Search for Classes
Student Handbook
Public Safety
Rentable Facilities
Rutgers at CCC
Strategic Plan
Vendor Opportunities


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US govt hydrogen highway runs out of road
Obama administration to yank funding
Leccy Tech The Hydrogen Highway has just become a B road. The Obama administration has announced that the Federal government's $1.2bn (£788m/€880m) plan to develop hydrogen fuel-cell powered cars and infrastructure is to end.
Energy Secretary Steven Chu said the government preferred to target more immediate energy-saving solutions and so funding was "moving away from vehicular hydrogen fuel-cells to technologies with more immediate promise" – read plug-in electric vehicles of one form or another.
Next year's budget will see $68.2m (£44.8m/€50m) spent on fuel-cell technologies, down from $169m (£111m/€124m) last year. The savings come from the cancellation of funds for vehicles development, though the Department of Energy will continue to pay for research into stationary fuel-cells that could be used for non-automotive purposes.
To put the money spent on hydrogen fuel-cell research into some sort of context, the 2010 Federal budget includes spending of $2bn (£1.3bn/€1.47bn) on advanced battery manufacturing, $400m (£263m/€293m) on transport electrification, and $786.5m (£517m/€577m) on biomass and biorefinery system R&D.
The original hydrogen plan was announced by then President Bush in 2003 and, to date, the US government has spent around $500m (£328m/€367m) on the project. There's not much to show for it other than some Honda FCX Claritys and Chevrolet Equinoxes running around California, and 70-odd hydrogen filling stations nationwide.
Not so much a case of hydrogen tech being put on the back burner but rather being wrapped in cling film and shoved to the rear of the freezer. ®
Sponsored: How to get more from MicroStrategy by optimising your data stack


text: Well, I just found this site, just did my intro a few days ago, and since I was rebuilding a bike anyway, and have pics of the progress, i'll go ahead and enter it. I know it's a bit late in the game, but i'm gonna enter it anyway, and if i don't make the deadline, i'll still have a bad ... bike. (butt haha thanks messageboard!) A little history on the bike: I bought this bike close to 5 years ago I think brand new from Walmart in the burbs of New Orleans. It's a Schwinn Fleet, and one of the cheaper schwinns, i'm assuming after the company change i've read about? This bike was my daily rider in the French Quarter, and also my work bike, as i was a courier for a lot of it's life. It's been wrecked, slammed, forgotten on drunken nights, and even lived locked up outside through the storm, and was only missing a seat when I was allowed to come back into the city. After the storm it delivered a couple thousands pizza pies. knowing this history, and all the havok myself and thousands of others faced, the name of this bike will be Katrina. I'm gonna tear it down, try and use as few of the original parts it came with, and so on. The first picture is how it was when I started this rebuild, and the following pictures will show the progress of the parts changes and my indecisiveness. it IS a working bike at start, but the complete tear down SHOULD be along the guidelines. pictures to follow, as i'm posting them now.


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Herb David Guitar Studio: 50 years (and counting) of bringing music to Ann Arbor
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Fifty years ago, things in downtown Ann Arbor were a little different from today. The Pretzel Bell was one of the hot spots. The City Council consisted of eight Republicans and two Democrats. There was no North Quad, no One North Main, no Tower Plaza.
University of Michigan football coach Bump Elliott led the Wolverines to a 2-7 record. The opening of Borders Book Shop was still 9 years in the future, while the coming of Zingerman's was 20 years off.
The community has seen countless changes since 1962. But the whole time, Herb David Guitar Studio has remained a constant downtown: teaching musicians of all ages and skill levels, selling and repairing instruments, and serving as a gathering place for music lovers. Even more remarkably, Herb David himself also has remained a constant that entire time.
"If you do what you love, you don't work a day in your life," he says with a smile, paraphrasing Confucius.
Throughout this year, the studio quietly has been celebrating its 50th anniversary. The final event takes place this Saturday with a free concert starring another Ann Arbor music mainstay, Dick Siegel and the Brandos, plus other local musicians.
Early days
Amazingly, given that he's spent 50 years and counting at it, the music shop actually is Herb David's second full career. Born in Chicago in 1931, he fell in love with music early but initially pursued a career as a psychologist. Moving to Ann Arbor after a stint in the Army, he started teaching music out of his home, ultimately deciding to make it a full-time gig.
The first location of Herb David Guitar Studio opened April 12, 1962 in the basement of Bob Marshall's bookstore on State Street, David recalls in a recent interview.
"The things that go on in Ann Arbor were so vital and stimulating," he says. ""I didn't worry about whether I was going to make a living or not. And it's gone far beyond what I thought it would."
The business spent a year in the basement, then moved upstairs. There, David became acquainted with a rock band down the hall—a band whose drummer would soon find fame (and infamy) as proto-punk rocker Iggy Pop. A young Bob Seger also "came here a lot," David says.
A growing reputation
David's shift from psychology to music drew considerable attention; he was featured in articles about people changing careers in different publications, including Newsweek. He's also been featured in The New York Times and once appeared on the TV game show "To Tell The Truth."
The business saw its standing grow quickly, finding a national reputation among top musicians. When Eric Clapton broke a guitar neck right off, David was able to repair it overnight for him. Other celebrity clients have included the Grateful Dead, Chicago, and Jack White. "A lot of them I made instruments for," David says.
The State Street space worked for a while for all this, but it had its problems—rats and roaches, for starters. He also realized he could use more room to do more things. A move was in order.
A new home
In 1982, David moved the business to an old house on the corner of Liberty Street and Fifth Avenue, where it remains today. The building gave him plenty of room for lessons, instrument sales, offices, and the repair shop.
Along the way, David also taught himself to make instruments from scratch, something he continues doing today, even experimenting with unique combinations like a bass with a keyboard. He says initially he felt unsure about working with wood, but tried and found he could do it.
"I just filled a lot of waste baskets and read a lot of books," David says. "I'm convinced you can do whatever you want to do if you put your mind to it You may not be great, but you'll be as good as you can be."
David's also traveled the world three times, seeking out remote areas to learn about their music and instruments. The store and his office upstairs are filled with rare and exotic instruments. He seems to have a story behind each.
David is interested in the science of music, too, noting its benefits for the brain. That's one reason that jam groups for adults have remained part of the studio's mission.
Recent years
David says the closure of Fifth Avenue for construction of an underground parking garage led to a 50-percent drop in sales, although lessons and repair business held steady. And with traffic flow restored, "It's noticeably coming back, little by little," he says.
"People still came to take lessons and have their instruments repaired We have some really fine craftsmen who work here.
"I've got one of the best bunch of people to work with," he says. "We have a really good staff here, and they keep reminding me of it all the time. This is probably the best staff I've ever had."
Store Manager Sean Rogers, who's worked at the studio for 19 years, says the formula for success is simple: "We try to offer quality instruments at reasonable prices," he says. "We try to give good service."
They also try to give back to the community, actively hiring employees with disabilities and sponsoring free concerts and other events to give back. One of those will close out the anniversary year this Saturday.
"Our basic thing was to try to bring music to the people of Ann Arbor," David says. Mission: accomplished — and continuing indefinitely.
The special anniversary concert starring Dick Siegel and the Brandos will take place at Herb David Guitar Studio starting at noon Saturday, Dec. 15. Others on the bill include Justin Johnstone, David Menefee and Don & Grant. Siegel and the Brandos will play about 1:30. Admission is free. The store is located at 302 E. Liberty St. (at Fifth Avenue). For more information, see the store's Facebook page or website.
Bob Needham is director of entertainment content for AnnArbor.com. Reach him at firstname.lastname@example.com or 734-623-2541, and follow him on Twitter @bobneedham.
Lizzy Alfs
Wed, Dec 12, 2012 : 8:59 p.m.
Great story, Bob. I've never been inside and always wondered. What a great history!
Bob Zuruncol
Wed, Dec 12, 2012 : 1:26 p.m.
Congratulations, Herb, and to your quality and qualified staff. A great asset to this community. Talk to Herb for 10 minutes and you will learn something of interest you didn't know.
Perry White
Wed, Dec 12, 2012 : 2:36 a.m.
Repeatedly in the photo captions: "The store is celebrating it's 50th anniversary.." Its, not it's.
Linda Diane Feldt
Wed, Dec 12, 2012 : 1:41 a.m.
It was 1971 when I first took guitar lessons at Herb David's, when it was in the upstairs location on State St. It was both scary and enthralling to walk there from Slauson Jr. High for my lesson with a long haired guy who was a great teacher. Later on (1972? 73?) I had another teacher named Martha. She taught some great finger picking! Some parents at the time wouldn't let their kids hang out at those shops on State Street. For the last 40 years I've been an infrequent but always happy customer. Thanks, Herb, and congratulations to everyone who has made it an Ann Arbor landmark. I rely on you being there when I need you.
Tue, Dec 11, 2012 : 5:34 p.m.
I am surprised the writer did not mention that John Lennon had stopped by back when they had that concert for John Sinclair. The owner had the chair that Lennon had sat and strummed guitars...I wish the owner had kept the original one there.
Chip Reed
Tue, Dec 11, 2012 : 5:58 p.m.
It is still there.
Tue, Dec 11, 2012 : 3:21 p.m.
I took guitar lessons from Herb David back in 1982/1983.....I'm still playing today for fun...thank you!!!! One of Ann Arbor's last treasures....
Edward Green
Tue, Dec 11, 2012 : 3:21 p.m.
Reading this you would expect Herb David to be a friendly, affordable competent guitar shop.
Thu, Dec 13, 2012 : 2:29 a.m.
Everyone at Herb's has always been friendly to us, and we've picked up some nice instruments there. Having a local music shop is a good thing--hope it keeps going for many years more. Edward Green, if for some reason you don't like Herb's, you might try Elderly Instruments in East Lansing. It's a great place & also worth supporting.
Tue, Dec 11, 2012 : 5:32 p.m.
Care to elaborate?
lou glorie
Tue, Dec 11, 2012 : 3:08 p.m.
Herb David's shop is one good reason to live in Ann Arbor.
Tue, Dec 11, 2012 : 3:19 p.m.
The only reason.
Tue, Dec 11, 2012 : 3:03 p.m.
Congratulations on 50 years Herb! My whole family has taken lessons and purchased instruments from your store over the years. I have enjoyed many conversations with you while waiting for a family member to finish a lesson. I wish you many more years in business!
Tue, Dec 11, 2012 : 2:30 p.m.
50 years of retail, service, and friendship in Ann Arbor! Amazing, Mr. David. Thank you. The first time I went to Herb David's store, it shared a floor with its neighbor Wazoo Records, on the second floor of a S. State St. house, next to Olga's and a Kodak kiosk. Anyone that laments the disappearance of old Ann Arbor could stop by Herb David's store, have a warm and friendly chat, and reconnect with an Ann Arbor treasure.
Paul Kersey
Tue, Dec 11, 2012 : 2:26 p.m.
Great shop. Great service by knowledgeable people.
Tue, Dec 11, 2012 : 2:11 p.m.
Congratulations to Herb David and crew! This is the kind of homegrown business that makes Ann Arbor Ann Arbor.
Linda Peck
Tue, Dec 11, 2012 : 2:08 p.m.
I have known Herb David from long ago, and have appreciated what he has brought to Ann Arbor very much. Recently, I took a old banjo uke in to his studio to have it repaired and what a beautiful job the man did who worked on it. I wish I could remember his name. It came back to me perfectly fixed and beautifully cleaned. I was so happy. I just want to thank Herb for being the man he is and giving so much to the music community here in Ann Arbor. All the best to you, Herb! from Linda Peck


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Accident on Route 202 in Litchfield slows traffic
TORRINGTON >> An area woman was transported to Charlotte Hungerford Hospital, by Campion ambulance, Wednesday afternoon following a one vehicle accident on Route 202 in Litchfield, also known as Torrington Road.
A witness reports that the vehicle involved in the accident swerved to avoid a car that was backing out of a driveway on to Torrington Road. When the vehicle swerved it rolled over and came to rest upside down in a ditch near 357 Torrington Road. Due to the vehicle's position, the single female occupant had to be extricated from the vehicle by responding emergency personnel.
Connecticut State Police are investigating the accident. Torrington Fire, Bantam Fire, and Litchfield Fire responded to the accident scene. Connecticut Department of Energy and Environmental Protection were also on the scene because pesticides were found in the woman's vehicle, according to emergency personnel. The presence of pesticides in the vehicle caused the woman to have to be hosed off by the fire department to avoid contaminating the ambulance, emergency officials reported.
Traffic on Route 202 in the vicinity of this accident is reduced to one lane while the accident is cleaned up and investigators gather information.
View Scene of accident in a larger map


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In October of 2007, Rock Band hit rock bottom, crashing its car into a tree in an alcohol-soaked haze. It was then it knew it had to turn things around. On November 20, 2007, Harmonix introduced it to the world and changed everything.
When I saw that Harmonix had released an Untold Story of Rock Band video to celebrate the game's 4th anniversary I was hoping for something a little more saucy. What I got was an interesting look at the development of the ultimate band game, from the "liberation" of Harmonix from Guitar Hero to the development of robotic goat legs, two great tastes that taste great together.
Happy 4th, Rock Band! I still play you when no one else is looking.
You can contact Michael Fahey, the author of this post, at email@example.com. You can also find him on Twitter, Facebook, and lurking around our #tips page.


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VOA's Red Wine & Seafood to have a clambake theme
[media-credit name="Provided by Volunteers of America" align="aligncenter" width="495″][/media-credit]
A traditional New England clambake is a feast that, in addition to clams, will include lobster, mussels, potatoes, corn and hot dogs. Yes, hot dogs.
Now, we can't promise that the latter will appear on Feb. 23 when the Oxford Hotel ballroom, 1637 Wazee St., is transformed into a seaside resort for the 17th edition of Red Wine & Seafood, but this much is certain: Stephen Vice, executive chef of the sponsoring McCormick's Fish House and Bar, always makes Red Wine & Seafood quite the culinary extravaganza. And so if he decides against putting weiners on the clambake menu, it's doubtful they'll be missed.
Red Wine & Seafood is put on by Volunteers of America as a benefit for its Brandon Center, a 118-bed shelter for homeless female veterans and women and children escaping domestic violence situations.
Co-chairs Kristi Fote and Quinn Washington note that only a handful of tickets remain for the 6 p.m. event. They're $75 each ($40 is tax-deductible) and can be purchased online or by calling 720-264-3321.
In addition to the food, guests also will enjoy silent auction bidding and the music of a jazz ensemble. Special guests will be the clambake "governors:" developer/philanthropist Larry Mizel; Denver Post chairman and publisher William Dean Singleton; Fotec Group founder Charlie Fote; Steele Street Bank chief Bob Malone; former Gov. Bill Owens and Joe Coors, the great-grandson of brewery founder Adolph Coors.
Others working to make Red Wine & Seafood a success are Anne Aguirre, Loujuana Terry, Jennifer Daurio, Leigh Vadas, Herminia Vigil and Emily Tarleton, president of the Volunteers of America Guild. In addition to McCormick's, sponsors include Southern Wine and Spirits and 5280 magazine.
Joanne Davidson: 303-809-1314, email@example.com and @GetItWrite


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Some of the Morley-centric term's collected over the years (or made up by the "author" of the article) Bag of skittles – A bag of all candy plastic discs arranged in a rainbow
Morley burger – A JIB Breakfast Jack with hashbrowns in the middle
Cooler mud – place soft, cold, wet cooler on the ground, pick it up, drag it to the next hole, set it on bench. Cooler mud
Mr. Microphone – dude with over-developed vocal cords. Not neccasarily trying to talk loud yet can be heard from most surrounding holes. Guaranteed to cost all players on his card +3 strokes. Usually found obnoxious player but not always.
Baggette – A female bagger
Diaper bag – A brand new bag full of brand new discs
Fo... – the sound you hear .002 seconds before being clocked with a stray disc
The Ray-Ray – The player that makes the run to Rays Liquor to buy supplies for his group. Veteran "Ray-Rays" can leave hole 3 on a crowded weekend, make purchases and return before group tee's off on said hole 3.
Sears School of Driving Graduates – the picture on the right says it all! -
A Brady Bunch – A group of 6+ fun and friendly family members refusing to break up into two groups
Stoners – See tree. See disc. See disc in tree. See rock. Throw rock. Become hero (or one dollar richer)
"A Tosser" - any disc golfer having not earned the right to empty their bag on hole #19 at Morley (against course etiquette anyway). This "right" is set aside for those that actually possess the physical ability to reach ("park") or surpass the current pin position(s) on hole #19 with their drives."Tossers" will confuse most of the following attributes as justification to empty their bag… - Many "play bands" on their quad-straps, Their tee shot (distance in feet) = (their weight) +15ft, A full Innova Competition bag or larger, "brand spankin new" discs, wearing a Huk-Lab or DD hat or shirt. If you are still not sure if you are a "Tosser" listen for feedback. If you hear "WOWs! after your throws, you're good to go. If there is silence or mumbling coming from behind as you walk off the pad, you probably are a "Tosser". (so no one takes offense, this writer can 1) barely out throw his weight and owns a Huk-Lab tek-dry shirt. I know my place.)
Ball hog – One who collects golf balls on hole #17 from errant shots by the old folks on the ball golf course across the street.
Brown ace – a errant drive from a tee-pad into a thrash can
Pink ace – camping on any short pin placement, repeatedly empting bag, throw after throw until making said "ace".
Yellow Ace – errant drive from hole #14 making its way into the men's room
Floppers – An ill advised player wearing flip-flops during their round. May also remove said flip-flops on tee-pad to drive. Que?
Hittin' the pipes – a roller shot up the middle on hole #17 "interrupted" by one of the two pipes crossing the path. Note: this phenomenon began in early 1990's as the pipes were previously still beneath the surface.
The out-out houses – Shrubbery on holes #8 and #11
DJ Jazzy Jeff – The un-solicited, self-appointed disc jockey for "HIS" group and all groups two ahead and two back. Usually found spinning House/Techno, Reggae (Bob Marley) - approved, Dave Matthews, cliché 70's (Zepplin, Dead), Beck, Beasties or NIN. Most played at high volumes on cheap speakers hence ruining a chance anyone "appreciating" his "gift" to others.
Snapper poles – dead thin tree trunks or large branches planted / cemented into the ground to make specific holes more difficult. Prominent on holes #17, #10, #12 and #9
Disc Supremacists – a disc golfer that believes that their brand of disc is the "best" and all others are incompetent.
Bench clearer – a fart while sitting on a Morley bench
Tourists – an out of town disc golfer who starts his introductory sentace with … "Where I'm from …", usually followed by "there is no pay to play", or "_________".Now as San Diego is a tourist destination we greatly appreciate your visit and the income you bring to our great city BUT, please remember that where you are from (Texas, Alabama, Idaho, Arizona, Nevada, Kansas, etc…) property values are much different than in San Diego. Property value in SoCal is equal to a 24k, diamond encrusted crown in comparison to most "out of towners" home property value which is equal to the toy that come in a box of cereal. No offense. jk :)
"Fratters" – Bermuda shorts, tanks tops (usually pastel), neon sun glasses from 7-11 and carrying a styrofoam cooler (possibly also purchased at a 7-11)
Arnold's – "Sun's out, Gun's out".
Walk of shame – the walk to retrieve a pole from the shop after getting stuck in a high tree branch
"Tarzan" a player wearing Toe Shoes to play disc golf. See picture -
The Backstop – the person who parks directly behind position E on Hole #2 thinking they found the holy grail of Morley parking spots.
Herding - Herding is a natural animal/human trait. In the "disc-golfer" species it presents itself as follows… Tim, Tom, Terry, Tracy, Ted and Kevin all throw from the teepad. Kevin throws a typical very short shot, maybe 75 feet off the teepad. ALL of Kevin's friends laugh and joke as they ALL walk (usually slowly) to Kevin's disc where they huddle and witness another short throw. Now ALL of the players walk over to Tim's disc, still joking with Kevin about his apparent lack of athleticism. ALL of the players stand and watch Tim's throw, then ALL walk over to Ted's, ALL over to Kevin's again, ALL move over to Terry's, on and on and on, multiply by 19 holes… insanity for the group(s) behind.
A Green Ace - any shot to make it through one of the three openings on the cement mural wall into the nursery
A Double Dipper - the player who 1) shoots + 5 or more on average. 2) throws two discs multiple times during a round 3) on his card of 4-6 players and/or 4) with 2-5 groups waiting behind him. Usually rude. (thanks Grace!)


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Test scores at this school are far above the state average, suggesting that most students at this school are performing at or above grade level.
Parent tips
Even high-performing schools can have disparities between student groups. To understand how well this school... More serves all its students, review the information below in the Equity section. Understand what on-track learning looks like for your child and how you can help at home.
Students at this school are making less academic progress given where they were last year, compared to similar students in the state.
Low progress with high test scores means students have strong academic skills but that students in this school are making smaller gains than similar students in other schools.
Parent tip
Ask the school how it interprets this rating and how it might use this information to improve its programs.
Disadvantaged students at this school are performing better than other students in the state, though this school may still have achievement gaps.
Parent tip:
Schools that close the gap between different student groups are doing something right! Explore the Race/ethnicity and Low-income sections below to learn more. Start a... More conversation with a teacher or a fellow parent about how this school is helping all its students succeed – and how can you help.


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Anyone holding onto the notion that Chinese President Xi Jinping's (習近平) taking office — along with his oft-publicized crackdown on corruption — would actually bring major changes should have been disabused of that dream by now. Yes, Xi is in the early days of his administration and cannot rock the boat too much until he has fully consolidated his grip on power, but the signs this summer show that in many, many ways it will be business as usual in China.
The most recent example of politically motivated sentencing proves China's judicial system remains a farce and is unlikely to change any time soon. The latest person to fall afoul the system appears to only be guilty of the "crime" of being the brother of Nobel Peace Prize winner Liu Xiaobo's (劉曉波) wife, Liu Xia (劉霞).
Liu Hui's (劉暉) 11-year prison term was upheld yesterday after he appealed his June conviction on fraud charges. The 3 million yuan (US$490,000) real-estate dispute the charges were based upon had been resolved before the case ever went to court. Prosecutors only actively pursued the case after several rights activists and foreign reporters in December last year were able to evade the guards that have kept Liu Xia basically under house arrest since her husband was awarded the Nobel.
Coincidently — or not — 11 years is what Liu Xiaobo was given for allegedly inciting subversion by seeking support for democratic reforms and co-authoring Charter 08. Compare those terms with the three-year sentence a former vice mayor of Wenzhou received yesterday for allotting a plot of land to a private company in a deal that reportedly cost the government 116 million yuan.
So if a defendant is a Chinese Communist Party official who costs the country tens of millions of yuan, he gets just three years, but a private citizen allegedly involved in a transaction that was a fraction of that amount gets almost four times the official's sentence.
Of course China is not the only authoritarian government to use its legal system as a sledgehammer to pulverize those who do not agree with it. Russian President Vladimir Putin's administration famously put a dead man on trial, last month convicting Sergei Magnitsky, a lawyer who died in prison under suspicious circumstances in 2009, of tax evasion. Russian officials said the posthumous trial was necessary to "ensure justice was done." And three members of the punk band Pussy Riot were last year sentenced to two years in a penal colony for a protest against the Russian Orthodox Church's support for Putin.
Taiwan's own history is filled with questionable cases prosecuted under the former Chinese Nationalist Party (KMT) regime during the Martial Law era, something the current administration would like people to forget. There has been some judicial reform since martial law was lifted, but there have also been instances of backsliding. At least there is a chance of reform in this nation, thanks to the efforts of the Judicial Reform Foundation and others.
However, China's vindictive and party-controlled judiciary is something that Taiwanese should be wary of as this nation is pushed closer to Beijing by the current administration. With more Taiwanese seeking employment or investing in China every day, few think about the risk they are running by working and living in a nation that does not follow the rule of law.


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"I want to make every effort to realize a society that does not rely on nuclear power," Kan told a news conference. Kan's proposed energy policy shift is backed by most voters, but he was unable to parlay that public support into popularity.
NHK public TV said party powerbroker Ichiro Ozawa would back Trade Minister Banri Kaieda, who has distanced himself from Kan's tough anti-nuclear power stance, rather than Seiji Maehara, a former foreign minister who ranks high with ordinary voters. Maehara, a security hawk, has called for phasing out nuclear power by around 2030.
Kan's successor faces huge challenges, including a strong yen seen as a threat to the export-reliant economy, rebuilding from the devastation of the March disasters, ending the radiation crisis at a crippled nuclear plant, forging a new energy policy, and curbing huge public debt while funding the bulging social welfare costs of an aging society.
Rating agency Moody's this week downgraded Japan's sovereign debt a notch, citing its revolving-door leadership as an obstacle to effective economic policies.
With five lawmakers including Finance Minister Yoshihiko Noda jostling for the job, a run-off between the top two candidates might be needed if none wins a majority in the first vote.
"The question is who will be the two top candidates — Meahara and maybe Kaieda, and how other groups would go in a second round," Sophia University professor Koichi Nakano said.
A rift over the role of Ozawa, a political mastermind with an image as an old-style wheeler-dealer, has plagued the DPJ since the novice party swept to power in 2009 pledging change. Some admire and are beholden to his skills, while others worry his negative image damages the party with the public.
Whether and when to raise taxes to curb a public debt already twice the size of Japan's $5 trillion economy is a focus of debate in the leadership race.
But any decision by Ozawa — who some in the party credit with engineering its 2009 election landslide — on who to back is seen likely to be decided more by his hopes of boosting his clout than by policy positions.
"I've known Mr. Ozawa for 43 years and he has never acted based on policies," ruling party elder Kozo Watanabe told Reuters in a recent interview.
Speculation had simmered that Ozawa might back a mystery candidate or even support Finance Minister Noda, the most fiscally conservative of the contenders.
Ozawa long ago proposed raising the sales tax — long viewed as a taboo by many Japanese politicians — to fund social welfare, but more recently has promoted populist policies to give consumers more spending power.
Most other candidates agree on the need to curb debt but are cautious about the timing of a sales tax hike and oppose higher levies for rebuilding from the March disasters.
Maehara, who promises to focus economic policy on promoting growth and beating deflation, is the most popular with voters among seven contenders jostling for the nation's top job.
But only DPJ lawmakers can vote in the party leadership race, the winner of which becomes premier because of the party's majority in parliament's lower house.
DPJ voter support has sunk as it struggled to implement policies in the face of internal feuds and an opposition able to block bills in the upper house.
Maehara and Noda have both floated the idea of a "grand coalition" with the main opposition Liberal Democratic Party (LDP) and its former partner, the New Komeito party, to break the legislative impasse. But both parties have been cool to the idea.
Kan pledged in June to step down to survive a no-confidence vote, but had not specified when. On Friday, he confirmed he would quit after parliament's upper house enacted two key bills — one to let the government issue more debt and another to promote renewable energy.
TOKYO (Reuters) – By Linda Sieg and Tetsushi Kajimoto(Additional reporting by Kiyoshi Takenaka, Yoko Kubota and Rie Ishiguro; Editing by Alex Richardson)


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The much-rumoured iPhone 4S has officially revealed itself to the world and although it's clad in the same attire, make no mistake – it's had a major internal overhaul.
iPhone 4S Build
Externally the iPhone 4S could very easily be mistaken for its predecessor. And it probably will be: the screen, home button and case look identical, although we'll know for sure once our guys in the field get their eager mitts on one.
iPhone 4S Power and Performance
The iPhone 4S shares the same dual-core A5 processor as the iPad 2, which translates to a phone that's twice as fast as the iPhone 4 with graphics that are seven times snappier. Infinity Blade 2 looked particularly impressive and we can't wait for developers to churn out more games that will take advantage of the extra graphical grunt on offer.
iPhone 4S Speed
Faster data speeds are on the cards, all thanks to an intelligent (read fixed) antenna design which is capable of near-4G speeds. The 4S is also GSM and CDMA compatible, making it a world-friendly international blower.
iPhone 4S Camera
The camera also gets a welcome upgrade, packing in a mighty 8MP sensor which we're told lets in 73% more light as well as being a lot snappier to boot – 1.1 seconds is all it takes to capture your first shot, followed by half a second for the next one. A welcome improvement for impulsive photographers.
iPhone 4S Video
1080p video recording with video image stabilization is another welcome feature and places the iPhone 4S shoulder to shoulder against the likes of the LG Optimus 3D and HTC Titan.
iPhone 4S OS 5
iOS 5 will come as standard on all iPhone 4 models and its features include 5GB of cloud storage, a revamped notification system, iMessage (think BBM for iPhone), Newsstand and iCloud.
iPhone 4S Siri
The voice-controlled assistant dubbed 'Siri' is a scary representation of how we can interact with our devices in new ways – from asking it if it will rain to reading out your texts, it's clear that Apple is banking a lot on this smart digital assistant in leading the way for technological interaction.
iPhone 4S pricing and availability
The iPhone 4S will be available on all UK networks – plus Carphone Warehouse, Phones 4u and the Apple Store – from October 14, 2011. SIM-free pricing is £500 (16GB), £600 (32GB) or £700 (64GB).


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Rifles from Patriot Ordnance Firearms (POF-USA) are the ultimate assault rifles, with unsurpassed quality, accuracy, and reliability. When it comes to gas-piston professional-grade AR rifle systems, POF-USA rifles are way ahead of the game.
The POF USA rifle line features the POF Model P308 rifle and the POF Model P415 rifle.
POF-USA Patriot Ordnance Factory are dedicated to providing the highest quality professional grade rifle weapon systems to America's law enforcement, military personnel, and civilians. Whether you are a soldier, federal agent, police officer, contractor, or an American civilian, POF USA guarantees relentless reliability for all of their POF rifles.
There are many features which make rifles from POF USA highly sought after by the military, law enforcement, government agencies, and firearm enthusiasts. POF rifles are the first gas piston operated weapon system on the AR-style rifle platform to be sold on the firearm market.
Rifles from Patriot Ordnance Factory are American owned and designed by POF USA President and CEO Frank DeSomma, a mechanical engineer who works in the aerospace industry. Frank took a long, hard look at the AR gas system and found inspiration in some not-so-new technology - the FN-FAL. Instead of employing a tube to transfer gas from a barrel port back to the bolt, POF rifles employ an FAL-type gas plug, gas piston and an operating rod. This is a simple, yet reliable system that has been battle tested.
As a sport shooter and lifelong student of quality and precision, Frank has strived to improve the traditional gas impingement design for the AR style rifle.
The original adaptation of the FAL system worked well when applied to the AR-15 rifle, but POF USA spent considerable time and effort trying to perfect the gas piston for its rifles. POF's system is unlike that found in other tactical rifles in that it is self-regulating and devoid of springs. Getting rid of the springs was an important step, as they are prone to failure after long-term exposure to heat - a fact of life for every part in the actions of all automatic or semi-automatic rifles.
The gas-piston system of a POF rifle dramatically reduces fouling in comparison to traditional, direct-gas impingement systems found in other AR rifles. POF USA went a step further to reduce fouling with the Corrosion Resistant Operating System on its AR rifles. The POF USA CROS consists of a chrome-lined barrel, barrel extension and gas block, including the TIG-welded gas tube. The gas plug and piston, bolt, carrier, cam pin and firing pin are chrome plated. The inside of the upper and charging handle of a POF rifle are silicon nickel plated.
A weapon's first priority must be reliability. As such, POF USA has engineered, manufactured, and tested all POF rifle systems to ensure the durability of the POF P308 and POF P415/416 gas-piston uppers. POF has eliminated features of the gas operating system such as gas-rings, gas tube, and the gas key. The P308 and the P415/416 gas-piston system also eliminates flex, stress, heat, carbon build up, and gas leaks which can have an adverse effect.
The POF USA gas-piston system has two modes of fire - one for normal mode, and a second for suppressed. No tools are required to change modes of operation.
The fluted barrels of all POF rifles using NATO chambers are polygonal rifled, and use 4150 Mil-B-11595 chrome-moly vanadium alloy (machine gun rated) to reduce heat and weight. All POF USA rifle barrels are 70 rockwell case hardened heat treated for corrosion resistance. Patriot Ordnance Factory barrels are twice as hard as Mil-Spec and hammer forged barrels.
The heat sink barrel nuts, fluted barrels, and free floating rail design of all POF USA rifles help to reduce heat of the rifle barrel around the chamber throat area. These POF rifle features improve the overall operating temperature fo the weapon system.
All POF lowers are ambi-controlled, bolt releases, mag releases, and safety selectors. POF's billet machined lowers all include oversized integrated trigger guards for use with gloves, and large beveled feed ramps on the entrance of the magwell for faster mag loads.
POF rifles have a roller cam pin, which reduces friction and drag of the bolt carrier assembly. The POF roller cam pin is NP3 coated to allow the pin to operate without the need to lube.
Patriot Ordnance Factory rifles come with 2 piece upper receiver M.R.R. Modular Railed Receiver with a free floating, monolithic top rail system. Hunter/Sniper rifle or Tactical rifle rail.
POF USA rifles have proven to be utterly reliable and easier to clean than any other AR rifle on the market today, even after extended firing sessions. POF rifles run well with very little lubrication.
Please Note: POF Rifle build times range between 16-18 weeks.
Please call 1-877-446-8370 or email for more information on ordering and delivery times.
POF-USA Dual Rifle Canvas Case
POF FTA-2005 Front Sight
Extra POF Rifle Magazines
Tactical Integrated Trigger System
Troy A4 Rear Folding Battle Sight
Troy A4 Front Folding Battle Sight
Diamondhead Rear Combat Sight
Diamondhead Front Combat Sight
Black Guns Magazine - P415 6.8mm
Vuurwapen Blog Inside POF-USA
P308 Gas Piston Weapon System - Guns and Weapons for Law Enforcement April 2008
POF-USA P416 Heavy Fire Endurance Test -Small Arms Review
The Evolution of the Modern Black Rifle - Small Arms Review
Patriot Ordnance P415: The Ultimate AR? Gun Digest Aug '09
Special Weapons 2006 by Charlie Cutshaw
POF-USA Shotgun News Ad
M-4 and M-16: High Time to Make a Change -Gun Digest Oct 2007
P416 Weapon Systems - Small Arms Review Sept 2006
Piston Powered ARs - Shotgun News July 2006
POF P415 - Gun World May 2006
POF USA Firearms warrants its rifles against defects in material and workmanship to the original retail customer for 3 years from the date of purchase. All POF rifle parts and labor or replacement at the option of POF USA are covered.


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Looking for a group of to play online board games with?
Tired of always using pick-up groups to find players?
Don't want to get drowned in an ocean of thousands of players on Discord?
Well then you might find a home at the Impact Gaming Community! We're a mid-sized community where everyone has a voice.
IGC's Random Impact is a group of 20-30 players who enjoy board games. Whether it's a hobby we grew up with or discovered as an adult, we love them all the same. The group has been around since 2015 and is always looking for players to expand our ranks. We play a variety of games from cooperative games like Pandemic to social manipulation games like Secret Hitler. Games which are selected by the members each week on a rotating schedule so everyone gets to pick before anyone picks twice.
Here's some information on the group to help you decide if you'd be interested in joining…
- Schedule: Thursdays (8 PM EDT), Saturdays (7 PM EDT)
- Sessions last about 2 hours on average.
- Experience with board games is not required!
- All games are played via Tabletop Simulator.
- Game chat happens on our Discord server.
- We use RSVP for games through guilded.gg.
- Pick-up games happens internally sometimes too.
- We stream on Thursdays and have a Youtube archive of our videos!
If you like what you've read so far, you can apply directly using this link
For more information about Impact Gaming Community please visit our website or guilded.gg page. In short we are a multi-game community that has several gaming groups including Tabletop Simulator. We also have a steam group that anyone can join (but please apply first!)
I am looking forward to hearing from some new folks soon! Thank you for taking the time to read our recruitment post and I hope that we've piqued your interest.
Have a wonderful day


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Plant a Garden
June 01, 2017
Summer begins on June 20 this year, so this is an excellent time to begin thinking about a summer garden. A garden can transform a drab yard into a showplace. As you think about your garden, take advantage of all the resources available, and plan before you plant.
First, it is helpful to know some flower basics:
What kind of flowers?
Annuals: Some flowers are annuals, which means their life cycle only lasts one year. They grow, bloom, produce seeds and die in a single growing season, and must be replanted each spring. Annuals require more effort, but bloom for a long time.
Perennials: Perennials return every year, so they do not need to be replanted each season. They keep growing until they reach full maturity, usually in 3-5 years. Perennials require less work, but bloom for a short time, just a few weeks a season.
Biennials: Biennials have a two-year life cycle. They grow leaves their first year, and then bloom and produce seeds the second year, after which they die.
It is helpful to plan your flower garden so that something is always blooming. Organize your plantings so that flowers blossom at different times, and you'll have color all season.
Here are some excellent Flower Gardening Tips from Redeem Your Ground.
If you are planning a vegetable garden, one very helpful tool is a Planting Calendar. This planting calendar from the Old Farmer's Almanac is an excellent resource. The calendar uses your location to customize a planting schedule for your growing area. The Old Farmer's Almanac, originally published in 1792, is the oldest continuously published periodical in North America, and has been providing planting charts and gardening advice for well over 200 years.
When you begin to plan before you plant, think about the layout of your garden. You can find a LOT of helpful information on "Basic How-To's for Planting Plants at redeemyourground.com. Here's a video with some great guidelines, brought to you by EXMARK, the premier lawn mower company, and Doug Scott of Redeem Your Ground:
June's flower is the rose, which remains the world's most popular and acclaimed flower. If you're interested in growing roses, Lowe's has some wonderful tips for planting and maintaining a rose garden.
Lowe's has also created some very helpful videos, including this one, "How to care for roses in the summer:"
So, once you have the basics down, and have done your planning, it's time to start planting!


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I love Bandit's since they're indestructible and very loud for cleans (that's another post).
So I picked up a good cond Bandit 112 Red-Stripe on Gumtree and I've decided to re-design it as a new(-ish) amp.
The nice people at Peavey have supplied the schematics for my amp on request and I've set about scribbling over them with ideas.
Here's my plan:
- Keep the existing power amp board pretty much as is - I like the Tube transformer and sag emulation circuit with the T-dynamics control - so I'll keep all that as its quite usable.
- Re-use the existing 2 channel pre-amp board by stripping components off and adding new ones to make new circuits. I'll use wire and track cuts to modify the board as needed.
- Clean channel: Replace the bipolar tranny input stage with a JFET Fetzer circuit and change the tone-stack for a Fender blackface style one. I'm after a Fender Twin sound out of this thing if I can get it.
- Dirty channel: Rip the whole diode distortion guts out and replace with new gain stages made from JFETs to get a Plexi style distortion. The tone stack is already Marshall style.
- Replace caps and anything else which looks broken and maybe add some nice status LEDs on the front panel.
- Give the whole front a face lift
- Upgrade the speaker from Chinese Blue Marvel to something nice (Jensen maybe for that Twin sound?)
I know this amp has a good spring reverb, a very solid open-backed cab, and plenty of clean headroom, so along with the Peavey "Tube Dynamics" circuit I'm thinking it could sound lush.
Am I crazy??


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Adding and Removing Tables in Microsoft Access 2007
The simple interface in Microsoft Access 2007 enables you to add or delete database tables — after all, even seasoned experts forget things now and then.
One more, please
If, after you start building your database, you decide that your database warrants more than one table — in other words, if you realize you need a relational database — you need to add another table. If you already knew that your database was going to need multiple tables, after building the first one the only thing to do is build the rest, one by one.
To add new tables to an existing database, repeat the following steps for each new table:
1. Click the Create tab.
The Create tab's buttons appear.
2. Click the Table button on the Ribbon.
A new table — blank and awaiting the name for the first field — appears.
3. Build and name the fields for this new table as shown in the previous procedure.
Save your database periodically as you work.
4. Continue adding tables, using Steps 1 through 3, for as many tables as you need in the database.
You don't have to do this perfectly from the start — you can always go back to rename fields and add or remove tables. The goal here is to just do it — just get started and get the database going, so you can see what you have and start working with it.
Oops, I didn't mean to do that
So you have a table you didn't want. Maybe you realize after building Table C that you really only need Tables A and B — or that Table D, which you've also created, really makes Table C unnecessary. Whatever the reason, tables, even ones with records in them, are easy to get rid of.
Be careful! Tables may be too easy to remove. Before you delete a table, check and recheck your database to make sure you aren't deleting information that you need to keep. When a table is deleted, all connections to it — relationships, references in queries and reports — are deleted, too. A prompt appears when you choose to delete a table, reminding you of this.
1. With your database open, look at the panel on the left side of the workspace.
You should see a list of your tables in that panel, each one represented by a long, horizontal button.
2. Click the pair of down-pointing arrows at the right end of the button for the table you want to get rid of.
The table name is repeated on a bar that appears beneath the original button.
3. Right-click the table name on that new bar and choose Delete from the pop-up menu.
4. Click Yes in response to the resulting prompt if, in fact, you do want to delete the table.
All gone!


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Kansas State gives Weber one-year contract extension
MANHATTAN, Kan. — Kansas State basketball coach Bruce Weber has received a one-year contract extension through the 2018-19 school year after leading the Wildcats to 47 wins in his first two seasons, the most victories by any coach in his first two years in school history.
Kansas State athletic director John Currie announced the extension Wednesday, citing Weber's 47-21 record since taking the helm in March 2012, including two straight NCAA tournament appearances. Lon Kruger is the only other Wildcats coach to have led the team to NCAA appearances in his first two seasons.
"A significant part of building a successful program is continuity, and this type of commitment ensures that we have all the parts necessary to continue to build upon what we have accomplished the last two seasons," Weber said in a statement.
Weber will be paid $2.25 million during the extension year. If Weber stays through the end of his contract, he will also receive a $500,000 retention bonus, Currie said, adding that salaries for Weber's assistant coaches also will rise.
The K-State Athletics Inc. Board of Directors unanimously approved the extension.
Weber led Kansas State to a 20-13 record last season and a berth in the NCAA tournament, where the Wildcats lost to Kentucky in the second round.
In his first season, Weber led Kansas State to one of the best seasons in school history with a 27-8 record and a share of its first conference championship in 36 seasons. The 27 wins were the school's second-most in a single season and gave the Wildcats only the fifth season of at least 25 wins. Weber was named Big 12 Coach of the Year that season.
"Our men's basketball program continues to make terrific progress under Coach Weber and his staff since their arrival," Currie said. "I am excited about the future of our program and forward trajectory under his leadership."


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TV cooking maven Paula Deen's awkward pair of apologies Friday was just the latest in a storied history of celebs' public, and often very uncomfortable, mea culpas for racist, anti-Semitic and otherwise bigoted remarks.
Deen's confession to lawyers in a race bias case against her that she has used the N-word numerous times before was greeted with horror by her fans , and by her long-time home the Food Network, which said Friday that it was dropping the star.
Deen's reaction to the outrage over her comments? To stand up Matt Lauer for a scheduled "Today" show appearance, then post a heavily edited, 46-second video apology on YouTube and then, finally, pull that video and replace it with another.
Her mode of public apology wasn't that far from how other celebs have eaten crow after making offensive remarks of their own. Here are a few.
Michael Richards. "Talk about a bad night," Michael Richards told David Letterman of the 2006 stand-up show at which he showered racial slurs on audience members — but he could just as easily have been describing his rambling, awkward and somewhat self-pitying apology on "The Late Show." "I'm really busted up over this," said the man better known to "Seinfeld" fans as Kramer, before rambling uneasily about racism, introspection and Hurricane Katrina. "I'm not a racist, that's what's so insane about this," he insisted, before giving a classic not-quite-apology: "I'm sorry that it happened."
Mel Gibson. After unleashing an anti-Semitic tirade on a police officer who pulled him over for driving drunk in 2006, Mel Gibson appeared on "Good Morning America" to save face. In his interview with Diane Sawyer, he ramblingly blamed his abusive rant against Jews on alcohol, which he said made him act unlike himself and with which he had struggled in the past. What if the cop had been black, Sawyer asked? What would you have done in that case? "Who knows? I'd have to get loaded again and tell you," Gibson said. "I'm kind of a work in progress right now," he admitted, laughing.
John Galliano. Couture fashion designer John Galliano — ousted from Christian Dior in 2011 after he was caught on cell phone video sloshed in a Paris bar, proclaiming "I love Hitler" — also blamed the bottle. But he gave a much more sober interview to Charlie Rose this year than Gibson did to Sawyer, even if he did prefer to talk about his career instead of the anti-Semitic elephant in the room. As for the tirade itself? "I have no memory of that event," Galliano said, insisted he was blacked-out drunk. "I'm not an anti-Semite. I'm not a racist. I know I'm not." That claim may have rung truer had Galliano not been recently photographed in apparently Hasidic-inspired garb widely interpreted as mocking Jews.
Don Imus. Sure, one should expect a curmudgeonly syndicated radio host to offend — but to call a college women's basketball team "nappy-headed hos?" The slur Don Imus uttered on his show in 2007 killed two birds with one stone (racism, check; sexism, check), and after the firestorm of criticism, he was woefully slow on the uptake. The next day, he wondered why it was such a big deal — he had only, after all, made "some idiot comment meant to be amusing." A day later, he finally gave the brief, contrite apology everybody wanted. "Our characterization was thoughtless and stupid, and we are sorry," he said.
Dr. Laura. Laura Schlessinger, the conservative talk radio commentator better known to listeners as Dr. Laura, isn't one to sugarcoat advice to callers. But in 2010, even she knew she'd erred in how she responded to a black woman seeking help dealing with her in-laws' racism. Schlessinger suggested the caller was "hypersensitive" and went off on an unrelated tangent about some black Americans' use of the N-word — all while freely using the slur herself on the air. "If you're that hypersensitive about color and don't have a sense of humor, don't marry out of your race," Schlessinger advised, before accusing the caller of "black-think." Schlessinger later backtracked on her blog, though her apology was undercut by her self-defense. "I was attempting to make a philosophical point," she wrote.


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How to Become a Flight Attendant
Welcome to Flight Attendant Facts! Learn How to Become a Flight Attendant
Hello and welcome to Flight Attendant Facts where flight attendant job and airline facts are our priority.
Learn about the flight attendant job and career.
You are probably here because you are interested on becoming a flight attendant, or because you are curious about what a flight attendant is and what kind of life and career could a person like you have as a flight attendant.
Get the facts about how to become a flight attendant along with the best and the worst in the airline industry. Get the information directly from internal source who live it day in and day out. Get information on flight attendant interview, qualification, uniform, salary, job description, flight attendant jobs and everything else about how to become a flight attendant.
Are you interested in becoming a corporate flight attendant? We have valuable information about that career also.
Airline's Best
There are great benefits to becoming an airline flight attendant, here are some to start with about flight attendant jobs:
- Great Flight Benefits
- Great Schedule Once You Earn Enough Seniority
- Travel Any Where And Every Where Around The World
Airline's Worst
Along with the best, there are also bad things about the airline industry and being a flight attendant. Here are a few to begin with:
- Salary/Income
- Schedule
- Flight Benefits


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Obama, Mitt stuck in coal conundrum
Mitt Romney and President Barack Obama both face an inconvenient truth in the battle for coal country's votes: Pollution from coal-burning power plants makes people sick and even contributes to early deaths.
But both White House contenders are trying to distance themselves from pesky, years-old YouTube videos in which they — or, in Obama's case, his vice president — expressed that simple fact.
Story Continued Below
Instead, each is trying to portray himself as a champion of coal, and wielding the recordings as weapons in coal-reliant battleground states like Ohio.
Hence the Obama campaign has been airing a radio ad in Ohio that champions the president's "clean coal" efforts while resurrecting then-Gov. Romney's nine-year-old crusade against a coal-fired power plant in Massachusetts.
"I will not create jobs or hold jobs that kill people," Romney said during a 2003 news conference as he denounced the deeply unpopular coal plant in Salem. "And that plant, that plant kills people."
Incidentally, the plant in question is scheduled to shut down in 2014 and could be replaced by a natural gas plant.
Romney shot back Tuesday during a campaign event at American Energy Corp.'s Century Mine in Beallsville, Ohio, where he pointed to a 2007 video in which then-Sen. Joe Biden says coal-fired power plants are more likely than terrorism to contribute to the death of the average American. (Biden also lumped high-fructose corn syrup into that category.)
"That does not in any way diminish the fact that a terrorist attack is real," Biden told television host Bill Maher in the video. But he added, "Hundreds of thousands of people die and their lives are shortened because of coal plants."
The Biden video had previously surfaced in a Republican National Committee ad last spring. But the latest video barrage prompted a round of counterattacks from the campaigns Tuesday.
"Only one candidate in this race actually has a record of finding a clean future for coal, and that's President Obama," Obama campaign spokeswoman Lis Smith said in a statement. She added: "This stands in stark contrast to Mitt Romney, who, as governor of Massachusetts, spoke out against coal jobs and said that a coal-fired plant 'kills people.' This is just another issue where Mitt Romney is not being honest with the American people."
Romney spokeswoman Andrea Saul countered: "In Ohio and around the nation, the president's energy policies have resulted in fewer jobs and higher costs at home. As president, Mitt Romney will reverse President Obama's disastrous energy policies and get to work creating more jobs and more take-home pay for middle-class Americans."


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Hello, I'm new here to the forums. I was wondering if someone could help me with an issue I am having:
So recently, I was playing Mario Party online with a friend using netplay on Mupen64++. Everything was running smoothly until we got to the end. When the game was completed, I started getting errors saying that there was a missing plugin. This occurred while the ending cutscenes to the boards were playing, and didn't stop until the emulator crashed. If anyone has had a similar issue like this and knows a solution to fix this problem, please message me right away. I really would like to play more Mario Party with my friend without there being any issues.
Thank you.


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Fabulous desserts to finish your barbecue meal.
Use this control to limit the display of threads to those newer than the specified time frame.
Allows you to choose the data by which the thread list will be sorted.
Order threads in...
Note: when sorting by date, 'descending order' will show the newest results first.
Forum Rules


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hob·by n., pl. hob·bies. An activity or interest pursued outside one's regular occupation and engaged in primarily for pleasure.
Few hobbies match the flexibility of stamp collecting. It is suitable for nearly all ages. You can collect stamps all 12 months of the year regardless of the climate where you are located. It does not require any special skills or great wealth. Some individuals begin as young as age 4 and many collect until the day they die.
Who Collects Stamps
Stamp collecting has often been called "the hobby of kings and the king of hobbies." Linn's Stamp News estimates that more than 5 million individuals in the United States collect the small pieces of paper that indicate payment of postage. Stamp collectors include individuals from all walks of life. While President Franklin Roosevelt may have been the most famous U.S. collector, other well known collectors include financial gurus Bill Gross and Warren Buffet; astronaut Henry Hartsfield; actors Gary Burghoff, James Earl Jones and Patrick Dempsey; author James Michener, explorer Jacques Cousteau; former Wimbledon champion Maria Sharapova; musicians John Lennon, Freddy Mercury and Ron Wood; cartoonist Gary Trudeau; and French President Nicholas Sarkozy.
What is Stamp Collecting
"Stamp collecting" is the accumulation of material related to the payment of postage and the carriage of the mails. In addition to traditional postage stamps, many philatelists -- the fancy word for stamp collectors -- also collect covers, envelopes that carried mail. Some individuals also collect markings or labels applied to mail including postage meters. Others will even collect Christmas Seals, revenue stamps and other ephemera.
Why Collect Stamps
Most individuals collect for relaxation and enjoyment although many secretly hope that they will discover a rare and elusive stamp that will make them wealthy. Some individuals collect as an investment. While the American Philatelic Society does not promote this, stamp collecting is a better investment than many other hobbies. As stamps are miniature works of art, it's nearly impossible to collect them without gaining a large amount of knowledge. Stamps also usually provide a much greater return on your investment than other hobbies. While you might not get back more than you invest, how much return can you get on your golf scorecard?


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Egyptian actress Rania Fareed Shawki has given her final approval to star in the new television drama "Al Saqr Shaheen" (Shaheen the Eagle) alongside Syrian actor Tayem Hassan. In the drama, Rania plays the role of Amal, who encounters numerous obstacles in her life and falls in love with Shaheen, played by Tayem.
The agony of Rania's character escalates when she discovers that Shaheen is in love with another woman, played by Egyptian actress Shiri Adel.
Filming of the scenes is scheduled to begin by the end of the current month in order to have it ready to air by Ramadan 2012. The drama is directed by Abd Al Aziz Hashad, who is currently selecting different filming locations, and production is by the production company 'King Tut'.
According to the London based Elaph, along with "Al Saqr Shaheen", Rania will also star in the television drama "Banat Fi Banat" (Just Girls). The drama is composed of only 15 episodes and the filming is to compose of different locations around Cairo.
Rania had previously turned down her nomination to star in the drama "Al Nar Wa Al Teen" (Fire and Mud) due to the fact that the producing company "Sawt Al Cahira" had requested she frees herself completely and not take on other projects.
© 2000 - 2019 Al Bawaba (www.albawaba.com)


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Invest your skills and creativity in producing print and digital media to promote and raise awareness of missions in Finland.
OM team in Finland is based in the city of Tampere. We are focused on sending people and
encouraging christians and churches to be involved in missions in various ways.


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Job Seekers, Welcome to Mississippi State College of Veterinary Medicine Career Center
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Annalies Nutley
- 14-18 Arbour Drive Gleneagle QLD 4285
- 0755414884
- Family History Research
Research Costs
- Projects are priced according to the lineage researched, as well as single blocks of research charged at $30 per hour.
- 2010
Projects I offer include the research of one parent, both parents, as well as both grandparents. I also offer hourly research to assist with your own project. I specialise in providing budget research to pensioners and low income earners.
- Location: