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My fellow citizens:
I stand here today humbled by the task before us, grateful for the trust you have bestowed, mindful of the sacrifices borne by our ancestors. I thank President Bush for his service to our nation, as well as the generosity and cooperation he has shown throughout this transition.
Forty-four Americans have now taken the presidential oath. The words have been spoken during rising tides of prosperity and the still waters of peace. Yet, every so often the oath is taken amidst gathering clouds and raging storms. At these moments, America has carried on not simply because of the skill or vision of those in high office, but because We the People have remained faithful to the ideals of our forbearers, and true to our founding documents.
So it has been. So it must be with this generation of Americans.
That we are in the midst of crisis is now well understood. Our nation is at war, against a far-reaching network of violence and hatred. Our economy is badly weakened, a consequence of greed and irresponsibility on the part of some, but also our collective failure to make hard choices and prepare the nation for a new age. Homes have been lost; jobs shed; businesses shuttered. Our health care is too costly; our schools fail too many; and each day brings further evidence that the ways we use energy strengthen our adversaries and threaten our planet.
These are the indicators of crisis, subject to data and statistics. Less measurable but no less profound is a sapping of confidence across our land - a nagging fear that America's decline is inevitable, and that the next generation must lower its sights.
Today I say to you that the challenges we face are real. They are serious and they are many. They will not be met easily or in a short span of time. But know this, America - they will be met.
On this day, we gather because we have chosen hope over fear, unity of purpose over conflict and discord.
On this day, we come to proclaim an end to the petty grievances and false promises, the recriminations and worn out dogmas, that for far too long have strangled our politics.
We remain a young nation, but in the words of Scripture, the time has come to set aside childish things. The time has come to reaffirm our enduring spirit; to choose our better history; to carry forward that precious gift, that noble idea, passed on from generation to generation: the God-given promise that all are equal, all are free, and all deserve a chance to pursue their full measure of happiness.
In reaffirming the greatness of our nation, we understand that greatness is never a given. It must be earned. Our journey has never been one of short-cuts or settling for less. It has not been the path for the faint-hearted - for those who prefer leisure over work, or seek only the pleasures of riches and fame. Rather, it has been the risk-takers, the doers, the makers of things - some celebrated but more often men and women obscure in their labor, who have carried us up the long, rugged path towards prosperity and freedom.
For us, they packed up their few worldly possessions and traveled across oceans in search of a new life.
For us, they toiled in sweatshops and settled the West; endured the lash of the whip and plowed the hard earth.
For us, they fought and died, in places like Concord and Gettysburg; Normandy and Khe Sahn.
Time and again these men and women struggled and sacrificed and worked till their hands were raw so that we might live a better life. They saw America as bigger than the sum of our individual ambitions; greater than all the differences of birth or wealth or faction.
This is the journey we continue today. We remain the most prosperous, powerful nation on Earth. Our workers are no less productive than when this crisis began. Our minds are no less inventive, our goods and services no less needed than they were last week or last month or last year. Our capacity remains undiminished. But our time of standing pat, of protecting narrow interests and putting off unpleasant decisions - that time has surely passed. Starting today, we must pick ourselves up, dust ourselves off, and begin again the work of remaking America.
For everywhere we look, there is work to be done. The state of the economy calls for action, bold and swift, and we will act - not only to create new jobs, but to lay a new foundation for growth. We will build the roads and bridges, the electric grids and digital lines that feed our commerce and bind us together. We will restore science to its rightful place, and wield technology's wonders to raise health care's quality and lower its cost. We will harness the sun and the winds and the soil to fuel our cars and run our factories. And we will transform our schools and colleges and universities to meet the demands of a new age. All this we can do. And all this we will do.
Now, there are some who question the scale of our ambitions - who suggest that our system cannot tolerate too many big plans. Their memories are short. For they have forgotten what this country has already done; what free men and women can achieve when imagination is joined to common purpose, and necessity to courage.
What the cynics fail to understand is that the ground has shifted beneath them - that the stale political arguments that have consumed us for so long no longer apply. The question we ask today is not whether our government is too big or too small, but whether it works - whether it helps families find jobs at a decent wage, care they can afford, a retirement that is dignified. Where the answer is yes, we intend to move forward. Where the answer is no, programs will end. And those of us who manage the public's dollars will be held to account - to spend wisely, reform bad habits, and do our business in the light of day - because only then can we restore the vital trust between a people and their government.
Nor is the question before us whether the market is a force for good or ill. Its power to generate wealth and expand freedom is unmatched, but this crisis has reminded us that without a watchful eye, the market can spin out of control - and that a nation cannot prosper long when it favors only the prosperous. The success of our economy has always depended not just on the size of our Gross Domestic Product, but on the reach of our prosperity; on our ability to extend opportunity to every willing heart - not out of charity, but because it is the surest route to our common good.
As for our common defense, we reject as false the choice between our safety and our ideals. Our Founding Fathers, faced with perils we can scarcely imagine, drafted a charter to assure the rule of law and the rights of man, a charter expanded by the blood of generations. Those ideals still light the world, and we will not give them up for expedience's sake. And so to all other peoples and governments who are watching today, from the grandest capitals to the small village where my father was born: know that America is a friend of each nation and every man, woman, and child who seeks a future of peace and dignity, and that we are ready to lead once more.
Recall that earlier generations faced down fascism and communism not just with missiles and tanks, but with sturdy alliances and enduring convictions. They understood that our power alone cannot protect us, nor does it entitle us to do as we please. Instead, they knew that our power grows through its prudent use; our security emanates from the justness of our cause, the force of our example, the tempering qualities of humility and restraint.
We are the keepers of this legacy. Guided by these principles once more, we can meet those new threats that demand even greater effort - even greater cooperation and understanding between nations. We will begin to responsibly leave Iraq to its people, and forge a hard-earned peace in Afghanistan. With old friends and former foes, we will work tirelessly to lessen the nuclear threat, and roll back the specter of a warming planet. We will not apologize for our way of life, nor will we waver in its defense, and for those who seek to advance their aims by inducing terror and slaughtering innocents, we say to you now that our spirit is stronger and cannot be broken; you cannot outlast us, and we will defeat you.
For we know that our patchwork heritage is a strength, not a weakness. We are a nation of Christians and Muslims, Jews and Hindus - and non-believers. We are shaped by every language and culture, drawn from every end of this Earth; and because we have tasted the bitter swill of civil war and segregation, and emerged from that dark chapter stronger and more united, we cannot help but believe that the old hatreds shall someday pass; that the lines of tribe shall soon dissolve; that as the world grows smaller, our common humanity shall reveal itself; and that America must play its role in ushering in a new era of peace.
To the Muslim world, we seek a new way forward, based on mutual interest and mutual respect. To those leaders around the globe who seek to sow conflict, or blame their society's ills on the West - know that your people will judge you on what you can build, not what you destroy. To those who cling to power through corruption and deceit and the silencing of dissent, know that you are on the wrong side of history; but that we will extend a hand if you are willing to unclench your fist.
To the people of poor nations, we pledge to work alongside you to make your farms flourish and let clean waters flow; to nourish starved bodies and feed hungry minds. And to those nations like ours that enjoy relative plenty, we say we can no longer afford indifference to suffering outside our borders; nor can we consume the world's resources without regard to effect. For the world has changed, and we must change with it.
As we consider the road that unfolds before us, we remember with humble gratitude those brave Americans who, at this very hour, patrol far-off deserts and distant mountains. They have something to tell us today, just as the fallen heroes who lie in Arlington whisper through the ages. We honor them not only because they are guardians of our liberty, but because they embody the spirit of service; a willingness to find meaning in something greater than themselves. And yet, at this moment - a moment that will define a generation - it is precisely this spirit that must inhabit us all.
For as much as government can do and must do, it is ultimately the faith and determination of the American people upon which this nation relies. It is the kindness to take in a stranger when the levees break, the selflessness of workers who would rather cut their hours than see a friend lose their job which sees us through our darkest hours. It is the firefighter's courage to storm a stairway filled with smoke, but also a parent's willingness to nurture a child, that finally decides our fate.
Our challenges may be new. The instruments with which we meet them may be new. But those values upon which our success depends - hard work and honesty, courage and fair play, tolerance and curiosity, loyalty and patriotism - these things are old. These things are true. They have been the quiet force of progress throughout our history. What is demanded then is a return to these truths. What is required of us now is a new era of responsibility - a recognition, on the part of every American, that we have duties to ourselves, our nation, and the world, duties that we do not grudgingly accept but rather seize gladly, firm in the knowledge that there is nothing so satisfying to the spirit, so defining of our character, than giving our all to a difficult task.
This is the price and the promise of citizenship.
This is the source of our confidence - the knowledge that God calls on us to shape an uncertain destiny.
This is the meaning of our liberty and our creed - why men and women and children of every race and every faith can join in celebration across this magnificent mall, and why a man whose father less than sixty years ago might not have been served at a local restaurant can now stand before you to take a most sacred oath.
So let us mark this day with remembrance, of who we are and how far we have traveled. In the year of America's birth, in the coldest of months, a small band of patriots huddled by dying campfires on the shores of an icy river. The capital was abandoned. The enemy was advancing. The snow was stained with blood. At a moment when the outcome of our revolution was most in doubt, the father of our nation ordered these words be read to the people:
"Let it be told to the future world...that in the depth of winter, when nothing but hope and virtue could survive...that the city and the country, alarmed at one common danger, came forth to meet [it]."
America. In the face of our common dangers, in this winter of our hardship, let us remember these timeless words. With hope and virtue, let us brave once more the icy currents, and endure what storms may come. Let it be said by our children's children that when we were tested we refused to let this journey end, that we did not turn back nor did we falter; and with eyes fixed on the horizon and God's grace upon us, we carried forth that great gift of freedom and delivered it safely to future generations.


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Quotations: Birthday
At 20, the will reigns; at 30, the wit; and at 40, the judgement.
- Benjamin Franklin, "Poor Richard's Almanac"
If youth only knew; if age only could!
- FTD customer
We are born naked, wet and hungry. Then things get worse!
- FTD customer
Aging is mandatory. Maturity is optional.
- Chris Antonak
You are only young once, but you can stay immature indefinitely.
- Ogden Nash
Never trust anyone over thirty.
- Jerry Rubin, American activist
Age is a number and mine is unlisted.
- Anomymous
Age is a very high price to pay for maturity.
- Tom Stoppard, British playwright
Youth is a disease from which we all recover.
- Dorothy Fulheim, American writer
It's sad to grow old, but nice to ripen.
- Brigitte Bardot
It's not how old you are, it's how hard you work at it.
- Jonah Barrington, British squash star
The older you get, the stronger the wind gets - and it's always in your face.
- Jack Nicholson, American actor
Women over thirty are at their best, but men over thirty are too old to recognize it.
- Jean-Paul Belmondo, French actor
There is still no cure for the common birthday.
- John Glenn, U.S. senator

subset: commoncrawl


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The Rightful King - Men's Apparel
"The Rightful King" from Digital Phoenix
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Men's T-Shirts are available in sizes S to 6XL. Material is 5.3-ounce, 100% cotton with taped neck and shoulders. Seemless double-needle 7/8" collar, double-needle sleeves and hem. Removable tag for comfort.
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Care Instructions: Machine wash cold. Inside out with like colors. Only non-chlorine bleach when needed. For best results, hang dry after wash. You may also tumble dry with cool/low heat.
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Featured art is created and owned by independent artists from all over the world. Not sold in stores and available online only. We work with our artists directly to provide high quality prints and pay them for their work. We pride ourselves in the quality of our products.
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Every item in your order is printed just for you. We do not keep inventory and unfortunately, cannot make exchanges. We always recommend grabbing your favorite shirt, measuring it and comparing to our Size Chart.
Read more about our Return Policy by clicking here.


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Many people in the Lawrenceburg area take great pleasure in collecting cars, whether classic, vintage, or antique. These vehicles are often extremely valuable and are an investment worth protecting. You may have committed a lot of time or personal resources into a specific vehicle or a collection that keeps on growing. The collector car insurance coverage you put in place will protect you against the risk of financial loss.
Your collector car is unique, and your insurance must be as well. You have the option of an insurance policy that pays out on the agreed value of the vehicle, covers the cost of expensive replacement parts, or covers you when you take your vehicle to shows, club functions, exhibitions, or when you choose to drive it for pleasure.
At Don Peach Insurance Agency Inc. in Lawrenceburg, Kentucky, our local agents know that your vehicle is more than a car – it is a lifestyle and a passion. We work with car collectors to ensure that the right insurance coverage is in place. We always hope that there is no need to use this coverage, that your vehicle keeps its value, and that it is never damaged. Should something unexpected occur, such as an accident, theft, fire, or another claim, it is good to know that you are better protected from massive financial loss.
Our local agents at Don Peach Insurance Agency Inc. live and work in Lawrenceburg and are always easy to reach when you need help or to answer questions about the best coverage for your valuable collector cars. Call today and schedule an appointment. We are committed to helping you find the best coverage at the lowest rates.


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John (Mitropolsky) of the Aleutians
His Grace the Right Reverend Bishop John (Mitropolsky) of the Aleutians was the first ruling hierarch assigned to the Russian diocese of the Aleutian Islands and Alaska, an event which signaled the growth in importance of the mission in Alaska from being an auxiliary of a diocese centered in eastern Russia.
As part this administrative move, Bp. John moved the see from Sitka to San Francisco in 1872, bringing a strong presence to the continental United States. Using his fluency in English this move enabled him to engage the heterodox Americans and their press about Orthodox Christianity. This importance of this move was eventually to be seen in the next decade as emigration from central Europe to the United States increased.
Stephen Mitropolsky was born in Kaluga on September 27, 1836. He came to the United States in 1870 with his brother, (the future) Rev. Nicholas Egorevich Mitropolsky and was an uncle of the Archpriest Nicholas N Mitropolsky. His father was a sexton. His early education included attendance at the Kaluga Seminary, followed by attending the Moscow Theological Academy from which he graduated in 1862. While a student at the academy he was tonsured a monk on August 29, 1861, with the name of John. After his ordination as a deacon, John was ordained a priest on June 21, 1862. The following September Hieromonk John received his Master's degree and was awarded a fellowship at the Academy initially in church archaeology and then in general church history.
On October 27, 1868, he was raised to the rank of archimandrite, followed by his consecration as bishop of the Aleutian Islands and Alaska. This was a new episcopal title that indicated that the Alaskan bishop was no longer an auxiliary to a diocesan bishop but rather a ruling bishop with his own diocese.
Early in his stay in America Bp. John sensed that his missionary efforts would be enhanced if the diocesan see were located in San Francisco rather than remaining in Sitka, a "request undoubtedly based upon the fact that most Russians had left Alaska" (FitzGerald, 22). He initiated a request to the Holy Synod of the Church of Russia to make the move, and in 1872 he received approval to move the diocesan administration, mission school, and episcopal see from Sitka to San Francisco. This move began a twenty-eight year period in which the seat of the diocese was outside its defined territory (Alaska), which FitzGerald identifies as the first signal of the eventual canonical irregularities which would plague American Orthodoxy in years to come (ibid.). With the movement of the see to San Francisco, Bp. John initiated the construction of the St. Alexander Nevsky Cathedral on Pierce Street.
Having studied church history in his academy days, Bp. John had developed a concept for his missionary work in North America that would convey the truths of Orthodox Christianity to the heterodox in North America. With his fluency in the English language he used a scholarly approach to argue the truths of Orthodoxy and to defend them. He was able to debate the heterodox in the press, and his accomplishments are recorded in his History of Sects in America.
Bp. John's stay in the United States ended when he was appointed on April 12, 1877, to the staff of the office of the Holy Synod in Moscow where he served for a little over twelve years. Then, on August 12, 1889 he was appointed Bishop of Aksaisk, an auxiliary of the bishop of the Don diocese. On April 9, 1910, Bp. John retired from active service as a bishop and became head of the Protection Monastery in Astrakhan until November 8, 1913. From that time he fully retired and then died on May 2, 1914.
Bp. John's service in the Alaskan mission brought two significant advances in the progress of Orthodox Christianity into North America. First was the establishment of the mission as a full diocese, not dependent upon a foreign diocesan administration. Second was the movement of the headquarters of the diocese to the mainland of the United States, closer to the center of American life.
John (Mitropolsky) of the Aleutians | ||
Preceded by: Paul (Popov) |
Bishop of the Aleutian Islands and Alaska 1870-1877 |
Succeeded by: Nestor (Zakkis) |
Preceded by: ? |
Vicar Bishop of Aksaisk 1889-1910 |
Succeeded by: ? |
- FitzGerald, Fr. Thomas E. The Orthodox Church. Westport, CT: Praeger Publishers, 1998.
- Orthodox America 1794-1976 Development of the Orthodox Church in America, C. J. Tarasar, Gen. Ed. 1975, The Orthodox Church in America, Syosett, New York
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Categories > People > Clergy > Bishops > Bishops by century > 19th-20th-century bishops
Categories > People > Clergy > Bishops > Bishops by city > Bishops of Aksaisk
Categories > People > Clergy > Bishops > Bishops by city > Bishops of Aleutian Islands
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Categories > People > Missionaries


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All our standard panel signs are produced using environmentally friendly water based inks. We then apply a scratch and uv resistant laminate to extend the life of the sign.


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What to Look for in Your New Frames
Do you know how to find glasses frames that suit your features?
The glasses you choose will be a huge part of the first impression you make on people. They're a great way to show off your personal sense of style, but fashion isn't the only factor to take into consideration.
What Shape Is Your Face?
A face can't literally be heart-shaped or square, but our features can give an impression of a particular shape. Here's a quick overview of the four main face shapes:
- Square faces have strong jawlines and foreheads, roughly equal in length and width.
- Round faces have full cheeks, more rounded hairlines and chins, and are similar in length and width.
- Oval faces are like round faces except thinner and longer.
- Heart-shaped faces have narrow chins, wide cheeks and foreheads, and are sometimes topped off with a widow's peak hairline.
A good way to figure out your face shape if you don't know it is to look in the mirror, close one eye, and draw the outline of your face with a washable marker. The result should be close to one of the shapes described above.
Use Your Frames to Complement Your Face Shape
What's so important about knowing the shape of your face when searching for the perfect frames? Some frames will be much more flattering than others. A pair of rectangular glasses on a square face will further emphasize the squareness, but rounder glasses can help to soften a lot of those angles. Likewise, a round or oval face will look better in rectangular glasses.
Frames Aren't Just Shape
Aside from the shape of the frames, also consider the size and color. They shouldn't be too small or too large for your face. This is true for kids as well as adults — maybe even more so. Kids will outgrow their glasses like they outgrow their clothes, and they'll want glasses that fit properly and reflect their level of maturity.
If you have a cool skin tone, good colors to consider for your frames are dark tortoise, blue, jade, pink, magenta, plum, blue-gray, rose-brown, silver, or black. People with warmer skin tones tend to look better in frame colors like blond tortoise, warm blue, fire-engine red, off-white, coral, orange, peach, copper, gold, khaki, or camel.
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Hopefully we've given you some helpful tips to narrow down your search for great new frames! There are other variables like frame thickness and material to think about, and we're happy to give recommendations if you're still not sure which frames will look best on you.


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MEPHISTO Kristina Black
Soft-air Technology:
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The doorknob is dead. At least in Vancouver, British Columbia.
A recent revision in the city's building code, designed to improve accessibility, shows the door to the venerable knob, replacing it with the hipper and easier-to-use lever.
The Vancouver Sun reports:
"In September, Vancouver council adopted new amendments to its building code, effective next March, that, among other things, will require lever handles on all doors and lever faucets in all new housing construction."
The change has been coming for some time. Last year, for example, all the Art Deco doorknobs in Vancouver's heritage-listed City Hall were swapped out for "utilitarian gold-coloured levers," The Sun says.
The newspaper says Vancouver is a national trendsetter, so there appears to be no way out of the doorknob's impending demise across Canada.
Some accuse Vancouver city officials of flying off the handle with the new code. Allen Joslyn, president of the (New Jersey-based) Antique Doorknob Collectors of America, says he understands that in a public building "everybody wants to have free access, and that is a problem.
"But to say that when I build my private home and nobody is disabled that I have to put levers on strikes me as overreach," Joslyn says.
There won't be a doorknob "police squad busting into homes," Consumerist writes, but "all new housing construction will have to comply with the updated code and use lever handles and faucets. So if you've got a knob, you can keep it. Cherish it, call it your precious, whatever you want," the website says.
Even so, The Sun says:
"It is not like the doorknob will disappear entirely. Like many inventions, it will hold its own for a long, long time. There are, after all, a few people who still use typewriters instead of computers. Vancouver's rule is not retroactive to existing homes. But over time, the effect will become magnified as housing is replaced."
Updated Friday at 4:15 p.m.: On Friday,All Things Considered host Robert Siegel talked to Tom Lee, City Hall reporter forThe Vancouver Sun about the change. You can hear that interview by clicking play above.
Copyright 2020 NPR. To see more, visit https://www.npr.org.


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• Take a trip to your own wonderland in these beautiful pumps created by Taylor Says. This particular style showcases 6 inch heel, 1 1/2 inch platform and a rich patent leather upper with stone encrusted heart at the vamp. An exclusive queen of hearts print on the leather sole will bring you to a fantasy world.
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The fastest way to ensure you get what you want is to return the item you have, and once the return is accepted, make a separate purchase for the new item.


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By Yolanda Rivera
From the October 30, 2009 issue | Posted in International | Email this article
A STRIKING ISLAND: More than 200,000 Puerto Ricans joined a general strike Oct. 15.
SAN JUAN, PUERTO RICO—In 1934, the year of the largest sugarcane workers' strike in Puerto Rican history, Antonio S. Pedreira, a wealthy writer and educator, described Puerto Ricans as lazy and irresponsible: "To be lazy, in our country, is self-repression, lack of mental activity and freewill […] We are squatting before our future."
Seventy-five years later, the attitudes of Puerto Rico's ruling elite appear unchanged. Faced with widespread opposition to plans by Gov. Luis Fortuño to fire tens of thousands of public-sector workers and privatize government services, members of the governor's staff have called workingclass Puerto Ricans "ticks" "garrapata" and terrorists and told them to accept privatization and layoffs because "such is life."
Fortuño, leader of the Partido Nuevo Progresista (the equivalent of the Republican Party), was inaugurated Jan. 2, 2009. In his first 10 months in office he has fired more than 23,000 public-sector workers despite promising during his campaign that he would not make layoffs. His announcement on Sept. 25 that he was firing nearly 17,000 workers spurred labor, student, religious and community groups to organize a general strike on Oct. 15.
Fortuño's administration reacted by stoking tensions. Top law-enforcement officials including the justice secretary and police superintendent threatened to charge strikers with terrorism if they disrupted traffic at the island's ports. Independent observers such as the American Civil Liberties Union described the government threats as "dangerous" and "sowing fear."
The week before the general strike, 10 campuses of the University of Puerto Rico closed their doors to prevent student protesters from using the facilities to mobilize. During democratic assemblies that gathered record numbers, students had already closed the main university campus in solidarity with fired government workers, including teachers, janitors and other service employees.
Despite the official intimidation, the demonstration and walkout went ahead Oct. 15, drawing an estimated 200,000 people and shutting down most businesses, schools and government activities on the island.
During the protest, numerous workers said the massive layoffs were part an effort to "sell the island," — to destroying public services in order to justify privatization and provide subsidies to companies owned by associates of the governor.
One marcher carried a sign calling the governor "Fortocho," a mix of Pinocchio and Fortuño. Another had a picture of the governor as a chicken with the question, "What came first, the chicken or the egg?" referring to an unemployed worker who threw an egg at the governor during a press conference a few weeks earlier. Others chanted: "So, where's Fortuño? Fortuño is not here. He's selling what is left of this country."
Many people showed their dissatisfaction by scrawling anti-privatization messages on buildings. Others wore masks of the governor's face while they brandished fistfuls of money. After the march, students blocked the country's largest highway and kept it closed until the police and some conservative leaders pressured them to abandon their efforts.
With a population of 3.5 million, Puerto Rico has been a U.S. colony since 1898. About 48 percent of the population lives under the poverty level and government layoffs, which represent about 12 percent of the public sector workforce, are projected to push the unemployment rate to 17 percent.
The firings were made possible by Law 7, which passed in March. It allows Fortuño to unilaterally dismiss public-sector workers, overriding labor laws that previously prohibited such actions. Union contracts are no protection either, as Law 7 effectively voids any job protections they may contain. What's more, Law 7 clears the way for firing more public-sector workers by allowing for "Public-Private Alliances" — a euphemism for handing over government functions to private corporations.
While the governor and pundits claim the mass layoffs are necessary because the government is "too big" and is facing a $3.2 billion budget deficit, Puerto Rico is slated to receive more than $5.7 billion in funds from the U.S. stimulus package passed earlier this year. Fortuño also claims that private companies provide better services and that public-sector workers earn too much. Previous governors used the same justification for prior rounds of privatization that ended in disaster.
Pedro Roselló, governor from 1992 to 2000, privatized health services and sold hospitals. While insurance companies fattened their profits by delaying payments and services, enabling them to earn interest on public funds, the population has seen co-pays increase and intolerable delays in basic and urgent care, as in the case of cancer patients. Moreover, government officials under Roselló reportedly stole money from an organization that provided services for AIDS patients. In 1998, Roselló also sold Telefónica de Puerto Rico, a public telephone company, an action that triggered an enormous two-day general strike.
The following governor, Sila Calderón, the first female governor in the island (2000 to 2004), outsourced billing services in the Public Water Authority to ONDEO, a French company, which failed to meet the terms of its contracts but was paid $540 million. Aníbal Acevedo Vilá, the governor from 2004 to 2008, privatized testing services in the Department of Education and signed numerous contracts for millions of dollars with charter school organizations while denying salary increases to public school teachers. The independent teachers union, Federación de Maestros, staged a successful strike and won salary increases.
Puerto Rican workers have also seen massive layoffs in the private sector as the economy has been in recession for more than four years now. The governor claims privatizing public services will create 200,000 new jobs by 2013. The government's development plans include promoting medical tourism; privatizing much of the public energy authority; displacing poor communities to build expensive apartments and shopping malls; and a luxury resort, casino and marina on a former U.S. naval base. Few believe Fortuño's promises, however, given the mass layoffs he claimed would never happen.
Laid-off workers have few options. Even if they manage to land a job, an abysmal rate of private-sector unionism, less than 3 percent, means few protections. Private companies will not recognize decades of service in the public sector, offer health insurance or match government salaries.
Meanwhile, despite promises of state support, fired workers wait in unemployment lines so long that people arrive the day before their appointment at the Labor Department to claim benefits; their only alternative is accepting a government offer of $2,000 to leave the island.
While a large number of Puerto Rican workers and students are resolved to fight the government's policies, the movement is divided. The ruling elite are banking on this. Following the general strike, Fortuño's Chief of Staff, Rodríguez-Ema, said, "I know we will prevail since the movement is divided."
The most conservative unions and political organizations are allies of the former ruling party (Partido Popular Democrático, the equivalent of the Democrats). The conservative unions, some of which seem most concerned with not losing union dues, are affiliated with large U.S. unions, such as the SEIU. These unions are mostly organized under Law 45, instituted in 1998, which allowed for unionizing public-sector workers while taking away their right to strike. Many of these workers had previously been in more militant labor "associations."
Conservative and moderate groups are interested in getting concessions from the government even if this means reducing working hours for all public-service workers or eliminating the government's contribution to the workers' health insurance. During the 1998 strike against the sale of the public telephone company, leaders in some of these unions and organizations demobilized a mass-based movement that put up to 500,000 people in the streets. They negotiated a truce with the government, and the telephone company was finally sold.
While the Oct. 15 mobilization marked a big step forward, halting and reversing privatization will require a still higher level of struggle. Independent unions, such as the university non-teaching employees union, called for a workers' party during the march. The Federación de Maestros, the teachers' union that held a strike under the former administration; the union of electric company workers; and political organizations such as la Organización Socialista Internacional and the Movimiento Socialista de Trabajadores called for organizing from below. These unions and political groups, together with other community organizations and university professors (Asociación Puertorriqueña de Profesores Universitarios), have supported calling a general strike in the future.
Yolanda Rivera is a member of the Organización Socialista Internacional. Lee Sustar contributed to this report.


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My wife and I were extremely satisfied with all the work Mike and his team did on our behalf. He is responsive, trust worthy, likable, a great communicator, knowledgable at what he does, and my wife and I always felt he had our back throughout our refinance. I plan to use Mike on the future for our mortgage needs. It is not an accident that he has so many five star reviews. He is one the best and we highly recommend you work with him.
Before my wife and I set out to buy our first house we asked our financial advisors for lender recommendations. They only gave us one name: Michael Koran at Primary Residential Mortgage, Inc. After going through the entire process of securing a loan from start to finish, I can see why they didn't mention anyone else. Buying a house is scary, especially if it's your first time and you don't understand the process. Mike was always there to alleviate our concerns and answer our questions. Without his knowledge and advice I would have been a nervous wreck. If you ever need to secure a loan quickly and need a responsive, reliable team that can close quickly, I would highly recommend Mike and his team. K
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I want to take the time to write and share my experiences working with Michael Koran and Primary Residential Mortgage. I first found Mike Koran back in 2009 online during one of the most uncertain financial times in History. As you can imagine I was skeptical of dealing with anyone I didn't know personally but Michael was able to assuage me of that concern and I know that I had found the best lender I could have hope for who is honest and has an incredible work ethic while always keeping his clients best interests in mind and all times. Since then I have come back to work with Michael and his team on numerous occasions. I will always refer my family, friends and co-workers to Michael Koran and know that they will not only be in the best of hands but also get exceptional personalized service and incredibly good rates with very low costs.
Mike is top rated, best in class, and trustworthy. I really enjoy working with him and his professional team. Responsive, smart, and knowledgeable. I have been working with Mike for nearly 10 years, can't imagine going with anybody else.


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Bernard Rooke was born in 1938. He studied at the Ipswich School of Art before moving on to the Goldsmiths' College, London. It was here, in his last year, that he decided to take up pottery.
In 1960 he set up his own workshop in Forest Hill, London, sharing the premises with Alan Wallwork. Progressive designs were readily accepted in London at that time, and Rooke applied his efforts to making pieces of a sculptural nature. To supplement his income during this period he lectured at London University and at Goldsmiths' College.
The early pieces were mainly fashioned by hand using coils and blocks. Rooke found that whereas a work might not find a market as a piece of sculpture, if made into a lamp base it was more readily acceptable to the public. The lamp bases were, indeed, popular and have proved a mainstay until the present day.
Rooke's philosophy is that he needs to make two types pottery; that which is easily produced and will find a ready commercial market, and that which exercises his artistic talents to the full. Both are necessary for each other - one providing the independence for the other to survive and one providing designs for the other to continue.
In 1963 the pottery moved to larger premises in Greenwich, but ever in need of more space, Bernard moved to Swilland, near Ipswich, Suffolk in 1967, to a huge mill building.
Bernard's son, Aaron, manages production at the pottery now, leaving Bernard to divide his time between potting, painting, making digital photo-collages, and making music. You can visit the Bernard Rooke web site at http://www.bernard-rooke.co.uk/


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Steve Jobs Stepping Down as Apple CEO
Steve Jobs is stepping down as chief executive at Apple, the company said on Wednesday. Jobs will remain at the company as chairman, but he and his iconic black turtleneck will be replaced by former Chief Operating Officer Tim Cook.
Jobs sent Apple a letter of resignation, which he later made public, on Wednesday. In the letter, Jobs referenced his health. He has been on medical leave from the company since January. Cook has been filling in as Apple's CEO in Jobs' absence. Two years ago, Jobs, 56, underwent a liver transplant. He also had surgery for pancreatic cancer in 2004.
"I have always said if there ever came a day when I could no longer meet my duties and expectations as Apple's CEO, I would be the first to let you know. Unfortunately, that day has come."
"Steve's extraordinary vision and leadership saved Apple and guided it to its position as the world's most innovative and valuable technology company," CNN reported Apple board member Art Levinson as saying. "In his new role as chairman of the board, Steve will continue to serve Apple with his unique insights, creativity and inspiration."
Jobs co-founded Apple in 1976 with Steve Wozniak.


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- Dual layered flexible body and rigid outer shell, composed of military grade protection materials and engineered to provide shock absorption, protects your phone from everyday drops and tumbles
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6-Month Manufacturer's Warranty
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Exclusions: Damages caused by operating the product outside of its intended use. International orders
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Process: Please create account at caseologycases.com. Email a copy of receipt to firstname.lastname@example.com and return damaged product within fourteen (14) days.
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Warranty: Purchase date - as long as you own the device for device specific product
Policy: Manufacturing defects in materials or workmanship for lifetime of product - normal wear and tear will not be covered under this policy
Exclusions: Warranty limited to the lifetime of your device for device specific products. International orders
Replacements: Replacement with product that is of equal value. Customer pays for shipping and handling costs of replacement product.
Process: Please create account at caseologycases.com. Email a copy of receipt to email@example.com and return damaged product within fourteen (14) days.
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All US orders ship for free! Standard shipping typically takes 5-8 business days (excluding weekends). If your order is not delivered by the estimated delivery date, please contact our friendly customer service for assistance! Need your order fast? We offer Expedited shipping which takes 1-3 business days (excluding weekends). Free Priority shipping for orders over $35 in the U.S.
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Galaxy Note 10 Case Legion Series
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When you refinance, certain documents and information will help the process move forward more quickly. Below are listed some of the more common documents needed to refinance. The more information you have on-hand, the faster your refinancing will go.
You are likely to need Employment Information
Assets & Obligations Information
Insurance Information


text: Good morning. I'm Renee Montagne. Five years ago, at the age of 75, a Japanese mountaineer raced a 76-year-old Nepalese climber to the top of Mount Everest. Japan's Yuichiro Miura lost. This morning, in an epic rematch, the now 80-year-old Miura won, becoming the oldest person ever to reach the summit. But that record may not last. Next week, his Nepalese rival, at 81, plans to make the ascent again. It's MORNING EDITION. Transcript provided by NPR, Copyright NPR.


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Eco-friendly INNOVIA XTREME CLEAN®, INNOVIA TOUCH XTREME CLEANTM and INNOVIA TOUCH XTREME CLEANTM DREAM carpets are crafted using cutting-edge, natural-based Innotex, which gives you an outstanding combination of softness and durability. Breakthrough Innovia is exceptionally soft and resilient, featuring crush resistance and built-in stain protection that won't wash or wear off. Next generation Innovia has a uniquely fine fiber system that is ultra plush and luxurious,withstands heavy foot traffic, and repels liquids and spills.
Your Flooring Canada®/Flooring Canada® retailer warrants that the surface pile of your Innovia xtreme Clean™, Innovia Touch xtreme Clean™ and Innovia Touch xtreme Clean™ Dream carpet will resist staining caused by all domestic pet stains, including urine, feces, and vomit for the lifetime of your carpet. Stain resistance means the ability of your carpet to resist (i.e. minimize or withstand) permanent stains.
Wicking may occur requiring the stained area to be cleaned more than once. If above-mentioned stains are saturated and result in wicking, these stains will release with additional re-cleaning. Wicking is defined as a reappearance of previously cleaned stains due to liquid remaining in carpet backing or padding. "Lifetime" means the length of the Limited Wear Warranty. (See page 13 for specific warranty terms.)
Cleaning of the affected area should begin immediately upon discovery. The more time that elapses before removal, the more difficult a stain will be to remove. We recommend cleaning pet stains using Resista® Floor Care products.
Specifically excluded from this warranty is damage or stains caused by any urine, feces, or vomit from other than domestic pets.
Flooring Canada®/Flooring Canada®'s Limited Lifetime Pet Proof Warranty for Innovia xtreme Clean™, Innovia Touch xtreme Clean™ and Innovia Touch xtreme Clean™ Dream is transferable. Any transfer must be handled by the original purchaser before the sale of the home. Stairs and hallways are covered. Replacement includes material and labor. Labor to move furniture, permanent construction (built-ins such as cabinets and book cases), equipment or electronics is the responsibility of the customer. This warranty is non prorated.
(See General Terms and Conditions on pages 25-26 for other conditions that apply.)


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The National Consumer Law Center (NCLC) Records (1968-2015) consists primarily of administrative files, case files, research material, and inter-office memoranda in defense of individuals and small groups against unfair corporate practices and inefficient government oversight. Covering many aspects of twentieth-century consumer movement history, these records shed light on the role of a non-profit organization in advocating fairness on behalf of low-income individuals against corporate practices, the development of the protective consumer-oriented state and federal legislation, and their assistance in providing research, analysis, and experience to other non-profit entities working across the nation.
The Original Files Series, spanning ten boxes in the original collection and an additional one in the addition making eleven in total, gathers into an assortment of NCLC internal memoranda, staff reports, manuals, organizational policy statements, testimonies before state and federal congressional houses and consumer print matter bibliographies. The series also contains material from outside sources, including class action suits, banking, housing, lending and layaway plans of various institutions, debt collection credit rates, laws and individual practices, proposed federal trade regulations, and scams involving vocational schools, and various Universal Consumer Credit Code reports.
Likewise, some individual files contain published articles on subjects of on-going interest to the organization, including Gary Klein's "Consumer Bankruptcy in the balance: The National Bankruptcy Review Commission's Recommendations Tilt Toward Creditors" and William Willier's "If Credit Reporting Agencies are Doing Their Jobs, Is There Really Any need for Collecting Agencies." Where possible, the original organizational file structure of numerical case files has been retained as a contiguous unit.
The Standing and Advisory Committee Files Series is comprised of two boxes of material arranged in chronological order, which contain internal reports on regularly scheduled committee meetings (beginning in December 1998 and running into the twenty-first century) to address issues affecting the staff of NCLC, including budgetary allocations as well as office and personnel issues. The documents also cover issues relating to the Social and Unity Committees, changes to the internal database, and the role of a staff ombudsperson.
The General Files (Washington, D.C. Office) Series consists of one box, collecting in chronological order documentation on consumer affairs lobbying efforts at the organization's Washington office, including correspondence, public statements, and newsletters. Some of the issues covered in the files include state oil overcharge allocation decisions involving Exxon, the Low-Income Home Energy Assistance Program, the Coalition on Human Needs, and the proposed re-regulation of interest rates.
The Advocacy and Conference Files (Massachusetts Office) Series spans seven boxes (five are from the original collection while two are from the addition) of material arranged in chronological order and by subject pertaining to material used in NCLC's annual consumer affairs conferences, including reports on consumer fraud laws, advocacy highlight reports, market failures and predatory lenders, specialist training in consumer affairs as well as consumer manuals and several issues of the Legal Service Corporation Quarterly Report.
The Research Materials Series covers nine boxes of primary source and reference material amassed by NCLC as background for several on-going projects. Some items include different versions of the Fair Debt Collection Practices Act, correspondence with the Federal Trade Commission, VHS tapes of news segments on family loan programs and predatory mortgage lending, bank creditor surveys, savings and loan, and insurance packing cases, reports on changes to credit rates and regulations in the 1970s and 1980s, analyses of different Truth-in-Lending Act iterations, court files relating to the Fair Debt Collection Practices Act, and comments on different drafts of the Uniform Consumer Credit Code. Where possible, the original organizational file structure of numerical case files has been retained as a contiguous unit. Those segments of the series which do not possess case numbers have been arranged chronologically by subject.
The NCLC Reports series, added for the purposes of the 2015 addition, consists of one box containing numerous reports officially published by the NCLC on a variety of topics (such as consumer credit, usury, bankruptcy, debt collection, foreclosure, and others of NCLC interest). The dates of these reports range from 1982 to 2013. These reports cover cases that fall in the realm of consumer law and provide teaching tips for consumer rights advocates.
The Media Series, added for the purposes of the 2015 addition, spans one box and covers the chronological span of 1983 to 2016. This series consists of press releases and articles from various media sources (such as journals, newspapers, magazines, and online sources) that make mention of the NCLC and its work, often commenting on cases undertaken by the organization or its publications. These clippings include sources such as The New York Times, Los Angeles Times, The Wall Street Journal, Washington Post, and local news sources. They cover a large variety of topics such as student debt, foreclosure, credit card debt, credit unions, and others.
The Printed Materials Series is in one box and contains materials that are published and bound, consisting of publications that span numerous topics and include law journals, Congressional hearings, and bound publications by the NCLC and staff.
The Digital Files Series, added to the collection in 2017, contains 10 digital folders of information pertaining to NCLC. The first two folders include HTML data files from the NCLC website from 2002 and 2016 including many records, and published material for consumers. The third folder contains PDF and Word documents of amicus briefings and the sixth folder contains information from the fair debt collection practices act. Several folders, 4, 5, 8, and 9, contain information in regards to NCLC conferences, press releases, reports, and brochures. Folder seven pertains to mortgage conferences held in 2012, 2014, and 2015 and folder ten includes documentation from webinars given by NCLC staff and personnel from 2009-2015.
US US kmk P2008.04


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To Jasper, On His First Birthday
How, my love, did we get from here...
... to here?
It is not possible that it has only been one year. It feels as though you have been in my heart forever, my dirty-faced little monkey boy, my chunkster, my Jib. It feels as though I've loved you for an eternity.
I have, and I will.
Happy birthday, little man.


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Emily Cier's new book, Pixel Play is full of childish charm. Each project is filled with creativity, imagination and most importantly color. Emily uses solid squares and lines to create recognizable images and characters, which is enough to woo any youngster. And isn't that what it's all about, impressing our little ones?
Every pattern uses Kona Solids and consists of strips and squares of solid color. One missed step and your image is unrecognizable. But have no fear! Emily's diagrams are easy to follow and the book is packed full of tips and tricks for organizing your materials and assembling your quilt tops.
Using an alternative palette can quickly transform the quilt, giving it a whole new feel. Just a quick switch of the Kona color combinations can change your quilt from girly to masculine. And with a variety of themes including fish, cars, flowers and snowflakes, the posibilities are almost endless. Whether it is for your child, a niece or nephew, a friend's child or your inner child, Pixel Play has you covered.
Pixel Play will definitely spark my children's imaginations. Anything that gives them freedom to create and think outside the box has my seal of approval. Emma has started doing this thing where she takes my scraps and fashions it into little objects, like this. I just sewed up the sides for her and she's happy as a clam with her 'pillow'.
And now for our Pixel Play giveaway! But what will you be winning?
It's a mystery! All winners get a copy of Pixel Play, but what will your box include? Maybe a Robert Kaufman color card? Or some Aurifil 50wt thread for piecing your pixelated world? Or maybe C&T Publishing's Ultimate 3-in-1 Color Tool? Or maybe some Carolina Patchworks patterns? Every box will be a surprise — just like Christmas when you were a kid!
Comment below letting us know what character you would pixelate for a chance to win. Winner will be chosen Monday 10/15, good luck.
Oh, be sure to follow along with the rest of the tour for more chances to win!
- October 2 (Tuesday) — Pat Sloan
- October 3 (Wednesday) — Generation Q Magazine
- October 4 (Thursday) — Fat Quarter Shop
- October 5 (Friday) — Jaybird Quilts
- October 8 (Monday) — Robert Kaufman Fabrics
- October 9 (Tuesday) — Blue Nickel Studios
- October 10 (Wednesday) — Angela Walters


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Metline Industries is a leading manufacturer and supplier of stainless steel (SS) flexible hose assemblies, also known as flexible metal hose assemblies. We offer a complete range of ss flexible hose pipes from size 1/4" ID to 12" ID in SS 304, 321, 316 & 316L, manufactured in compliance with BS 6501, Part-1. Our stainless steel hose assemblies are available with a wide range of end connections, bore sizes and lengths. We can supply corrugated stainless steel hose assemblies that meets your most demanding technical specifications.
Stainless steel annular corrugated flexible hoses can be supplied with or without stainless steel wire braiding in Israel. Wire braiding can be single or double. Generally, an external layer of SS wire braid is provided on corrugated metal hoses, as an unbraided hose tends to elongate axially when pressure is applied. Some customers may even choose two or even three layers of braiding for high pressure applications. The braiding is highly flexible and follows the movement of the hose.
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Specifications: Corrugated Metal Hose Assemblies
BS 6501-1:2004 gives guidance on the installation of corrugated metal hose assemblies and on the selection of the method of construction, the flexibility type and the material used for the hose.
BS 6501-1:2004 is complementary to BS EN ISO 10380.
End Connections – SS Flexible/Braided Hose Pipes in Israel
METLINE also manufactures complete range of end fittings/connections made from carbon steel, mild steel, stainless steel and brass for stainless steel flexible hoses. The end connections are either TIG (argon) welded or brazed.
Applications of Corrugated SS Flexible/Braided Hose Pipes in Israel
Typical applications for stainless steel flexible/braided hose pipes include all chemical industries, iron and steel manufacturing, oil and gas industry, paper and board manufacturing and all process and liquid handling industries.
- Oil and Gas Refineries
- Power Plants
- Steel Plants
- Pulp & Paper Mills
- Nuclear Installations
- Fertilizer Industry
- Pharmaceutical Industry
- Chemical Industry
- Industrial Boilers
How to Select SS Flexible/Braided Hose Pipes?
The following factors need to be considered when purchasing a flexible metal hose connection
- Temperature
- Dynamic pressure-carrying capability
- Flexibility
- Chemical compatibility
- Optional accessories
Quality Assurance– SS Flexible/Braided Hose Pipes
At Metline Industries, all stainless steel flexible hose pipes are leak tested and are subject to strict inspection at each stage of the production process, from raw material purchasing to product dispatch. All raw material used in the manufacture of hoses, braiding and end-connections are tested to ensure compliance with international standards and customer requirements.
Testing and Inspection of SS Flexible/Braided Hose Pipes: Manufacturer Test Certificate as per EN 10204 / 3.1B, Raw Materials Certificate, Third Party Inspection, Buyer Inspection


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Art of the Ancient Americas
For thousands of years the indigenous peoples of the Americas have been producing artworks of exceptional beauty using forms and designs with deep cultural meaning. The Museum's important collection of Ancient American art was established with an early gift in 1882 and has continued to grow in size and recognition ever since. It features objects made of fired clay, stone, metal, and fiber, and represents dozens of unique indigenous groups from Mexico, Central, and South America. Highlights of this rich collection include a deftly painted Nasca double-spout and bridge vessel depicting an anthropomorphic being, a Moche portrait head vessel portraying a man who has been identified by scholars and dubbed "Cut Lip," and a 17th-century wooden Inkan kero.
Laura Shea - VIEW OBJECT DETAILS


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Borneo Haze is tropical bliss. Island foliage is printed on heat set crinkle fabric in monochromatic tones creating a dramatic effect. Borneo is elegantly finished with black cord piping to frame the design.
Material Composition
- Front: Polyester, Reverse: Cotton/Polyester
- Printed Heat Set Crinkle with Black Cord Piping
Care Instructions
Turn inside our before washing. Wash separately before first use. Cold gentle machine wash. Do not use hot water. Wash with similar colours. Do not soak. Do not bleach. Rinse well. Normal spin. Do not tumble dry. Line dry in shade. Do not iron. Do not dry clean.
Quilt Cover |
Sizes |
Single | 140cm x 210cm |
Double | 180cm x 210cm |
Queen | 210cm x 210cm |
King | 245cm x 210cm |
Super King | 270cm x 240cm |
Quilt | Sizes |
Cot | 100cm x 135cm |
Single | 140cm x 210cm |
Double | 180cm x 210cm |
Queen | 210cm x 210cm |
King | 245cm x 210cm |
Super King | 270cm x 240cm |
Pillow | Sizes |
Standard | 48cm x 73cm |
Medium | 48cm x 73cm |
King | 48cm x 87cm |
European | 65cm x 65cm |
Junior | 46cm x 66cm |
Fitted Sheet | Sizes |
Single | 91cm x 190cm x 38cm |
King Single | 107cm x 203cm x 38cm |
Double | 137cm x 190cm x 38cm |
Queen | 152cm x 203cm x 40cm |
Queen 50cm | 152cm x 203cm x 50cm |
King | 180cm x 203cm x 40cm |
King 50cm | 180cm x 203cm x 50cm |
Super King | 203cm x 203cm x 50cm |
Flat Sheet | Sizes |
Single | 180cm x 254cm |
Double | 200cm x 274cm |
Queen | 240cm x 274cm |
King | 260cm x 275cm |
Super King | 290cm x 274cm |
Pillowcase | Sizes |
Standard | 50cm x 75cm |
Euro (Square) | 65cm x 65cm |
Decor (Rectangular) | 40cm x 60cm |
Decor (Square) | 50cm x 50cm |
The wall size or depth of the sheet can vary from range to range between 38 cm - 50cm. These size variations cater for modern mattresses which may have a deeper wall. Please check specific product information for details./
We will endeavour to process your order and dispatch within 12 - 24 hours of receiving payment. You will receive a confirmation email once your item has been dispatched from our warehouse.
We deliver Australia wide using Auspost & Fastway which requires a signature on delivery unless otherwise stated at the checkout process. If you are not home when delivery takes place your item will waiting at your local post office for collection.
If you live within the Sydney area you are welcome to come and collect your order from our warehouse in Kirrawee NSW. Please make sure you state at checkout that you will be picking up your order and please bring your tax invoice as proof of purchase.
How much is delivery?
Bed Linen
We offer Free Shipping on orders over $99.00 (exclude floor rugs). Please note that due to the recent price increase with Aus post items sent to WA & NT will incur a surcharge in shipping.
Floor Rugs
We offer Free Shipping on orders over $199.00 for all floor rugs sent to metro areas of NSW, ACT, VIC & QLD, otherwise, a $39.00 flat rate shipping fee applies.
Unfortunately we no longer ship floor rugs to South Australia, Western Australia, Tasmania and the Northern Territory.


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The Complete Saratoga Springs Guide
Find the Saratoga Springs information you need quickly
Saratoga Springs is a place where people come to spend the day, a week or an entire lifetime. And we offer a comprehensive guide to the Spa City to allow you to make the most out of your trip. Find terrific Saratoga restaurants, hotels and more, along with news on the latest happenings in the city so you can be prepared on what Saratoga Springs has to offer.


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Soil used to solidify the foundation of a structure.
A letter that a title insurance company gives to an attorney who then examines the title for insurance purposes.
Arrangements that an owner makes to oversee the sale of one property and the purchase of another at the same time.
A secondary bid for a property that the seller will accept if the first offer fails.
A valve in a sewer line that prevents sewage from flowing back into a house.
A statement that shows the assets, liabilities and net worth of an individual.
A mortgage in which monthly installments are not large enough to repay the loan by the end of the term. As a result, the final payment due is the lump sum of the remaining principal.
The final lump sum payment due at the end of a balloon mortgage.
A type of framing used in two-story homes in which studs extend from the ground to the ceiling of the second floor.
Railing held up by a set of posts on a porch or stairway.
A proceeding in which an insolvent debtor can obtain relief from payment of certain obligations. Bankruptcies remain on a credit record for seven years and can severely limit a person's ability to borrow.
The sale of a piece of property for less than market value.
Any board or molding found at the bottom of an interior wall.
Heating units installed in the floor that can be controlled by a central thermostat.
The area of a home below ground level.
A basis point is one one-hundredth of one percentage point. For example, the difference between a loan at 8.25 percent and a mortgage at 8.37 percent is 12 basis points.
The opening between two columns or walls that forms a space.
A window that projects outward in a curve.
A wall that supports its own weight in addition to other parts of a structure.
Total income before taxes are deducted.
The lender who makes a loan, also called a mortgagee. The person borrowing money is the mortgagor.
Personal property given to a person through a will.
An improvement that increases a property's value as opposed to repairs that maintain the value.
Offers from multiple buyers for a piece of property. Agents also sometimes compete to list a house for sale.
A contract in which the parties involved give mutual promises. Also called "reciprocal" contracts.
A document that transfers ownership of personal property.
A report issued by a title insurance company that details the condition of a home's title. and provides guidelines for a title insurance policy.
A mortgage that requires payments every two weeks and helps repay the loan over a shorter term.
A policy that covers more than one person or piece of property.
A mortgage that covers more than one property owned by the same borrower.
A neighborhood that has deteriorated.
Nails driven into a wall and concealed with putty.
Regulations on the sale of securities to prevent consumers from investing in fraudulent or high-risk companies without being informed of the risks.
A house maintained close to its original condition. Also called mint condition.
Measurement of lumber that is the equivalent of 144 cubic inches.
A state board charged with ensuring that local property taxes are assessed in a uniform manner.
Siding is composed of 8- to 12-inch wide wooden boards nailed vertically to create a barn-like exterior.
Form language used in deeds, mortgages and other documents. Details can be added by individual parties.
A legal term that refers to actions or persons that are honest and in good faith.
An agreement that insures one party against loss by acts or defaults of another party.
The value of a property as a capital asset based on its cost plus any additions, minus depreciation.
An analysis of soil in which holes are bored into the ground and samples are removed.
A section of a city that has authority over local matters.
Sand, gravel or other material used for grading.
The hole at a site that has been excavated.
A street lined with trees or constructed with a landscaped median.
The dividing line between two adjacent properties.
A construction method in two-story homes in which the frame is reinforced with posts and braces.
The failure to perform provisions of a contractwithout a legal excuse.
The failure to obey a legal agreement.
A seller's inability to pass clear title to a buyer.
The point in which the owner's rental income matches expenses and debt.
The height at which the diameter of a tree is measured: four feet, six inches above the ground.
A roofed passageway with open sides.
Building material made from clay molded into oblong blocks and fired in a kiln.
A short-term loan for borrowers who need more time to find permanent financing.
A person licensed by the state to deal in real estate.
The act of bringing together two or more parties in exchange for a fee or commission.
The ideal condition of a building when it is turned over to an owner or tenant.
A vintage row house constructed of red sandstone.
A parcel of land that separates two or more properties.
Extra house features or better finishing materials that a builder offers.
An organization that raises money to helps its members purchase real estate or construct a building.
A comprehensive set of laws that controls the construction or remodeling of a home or other structure.
A city or county employee who enforces the building code and ensures that work is correctly performed.
Guidelines that limit how close an owner can build to the street or an adjacent property.
A halt on home construction to slow the rate of development.
A thick, water-resistant paper that serves as insulation.
A permit issued by a local government agency that allows the construction of home or renovation of a house.
Regulations that limit the manner in which property can be used.
Appliances or other items that are framed into a home or permanently attached.
A retaining wall designed to hold back water from the ocean or another body of water.
The various interests or rights an owner has in a property.
A small one-story house or cottage.
A roof formed by two gables that dip in the middle to resemble a butterfly's wings.
A home loan in which the lender receives a premium as an inducement to reduce the interest rate during the early years of the mortgage.
A real estate broker who exclusively represents the buyer's interests in a transaction and whose commission is paid by the buyer rather than the seller.
A slow real estate market in which buyers have the advantage.
An emotion felt by first-time homebuyers after signing a sales contract or closing the purchase of a house.
The rules and regulations that a homeowners association or corporation adopts to govern activities.


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2. Please mention Aud Sentiments and create a link to us. When you enter your link at Inlinkz, it needs to go directly to your project, not just to your blog's home page.
3. You may enter up to 5 times, but all entries need to be new & posted after the start of our challenge.


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For industrial products like 602350520 from Metabo, look no further than Industrial Part Sphere, an all-inclusive marketplace for industrial and automation products. Owned and operated by ASAP Semiconductor, we have access to an inventory of more than 2 billion new and obsolete parts such as 602350520 from categories and subcategories including Hand And Power Tools.
Industrial Part Sphere is an AS9120B, AS9120B, ISO 9001:2015, and FAA AC 00-56B accredited business, as well as the only independent distributor with a strict no China sourcing policy, ensuring each part like 602350520 which you purchase from us is fully traceable or comes directly from a trusted manufacturer.
Note : We Will Not Share Your Information To Any Third Parties.
Whether you need 602350520 from product category Hand And Power Tools or any other parts in our vast and diverse inventory, Industrial Part Sphere can get them to you with short lead times and competitive prices. This includes abrasives, adhesives, electrical components, fasteners, HVAC and refrigeration equipment, hydraulics, pneumatics, hardware, lubrication, plumbing, pumps, and much more. Any parts not in our possession can be quickly tracked down and sourced through our extensive international supply chain network that spans the United States and Canada.
We are also the only independent distributor with a no China sourcing policy, ensuring each part we sell is fully traceable or comes directly from a trusted manufacturer like Metabo. To begin the purchasing process immediately, submit an RFQ today. Our team of dedicated account managers is standing by and will reach out to you in 15 minutes or less. Let us show you what sets Industrial Part Sphere apart from our competitors.
Industrial Parts Manufacturers |
Cronatron |
Rotanium |
Honeywell |
Prince Hydraulics |
Hub City Inc |
Boston Gear Altra |
browning |
Wago |
power team spx |
If you have more than one item,upload your spreadsheet here.
Guaranteed On - Time Delivery |
Customized & User-Friendly Database |
Over 5100 Manufacturers |
Competitive Prices |
Scheduling Flexibility |
Complete Purchasing Solutions |
We hope that you will visit us again the next time you need industrial parts and make us your strategic purchasing partner.
Request for Quote


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Home > Company List > Company Disclosures
Keppel Philippines Holdings, Inc.
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The data, information and other contents (the "Contents") appearing on or accessible through
http://www.exchange.com may not have been prepared by the Exchange but is made available without any responsibility
on the part of the PSE, or even if prepared by the PSE, is provided on an as is or as available basis.
The PSE does not guarantee the accuracy, timeliness, completeness,
performance or fitness for a particular purpose of any and all Contents of this page.
Your access to and use of this page and its Contents is subject to all applicable international
and local laws and regulations and the terms and conditions imposed by the PSE under our
[Disclaimer and Access and Usage Restrictions].
By continuing to access and use this page and its Contents, you shall be deemed to have read, understood,
and agreed to, said terms and conditions.


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How to enjoy this deal:
1. Select your preferred deal and click "Buy Now" to purchase.
2. You will receive an e-voucher through the Chope App (Under Profile > My Vouchers) or via email.
3. Simply present your voucher before ordering at the restaurant to enjoy the deal.
309 Hougang Avenue 5
Singapore (530309)
Mon-Sun: 10:30am-10:30pm
Sorry we are unable to fulfill your request.
You can only add to the bag.
You have items in your cart that cannot be checked out with other products. Adding this item will clear your current cart.


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If you are a Facebook User you can login without registering using the "Facebook Connect" button at the very top of this page.
For generic guns and ammo discussion post here. No discussion of illegal activities or mythological scenarios.
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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Not all of us are so fortunate to live the "dream life" like the famous doll, cartoon character and now major motion picture star Barbie©.
But imagine if you could?
This summer's blockbuster, "Barbie," hit theatres July 21. Bringing in a record-setting $155 million in the opening weekend alone proves that many of us would love to spend a day in those pink high-heeled shoes.
Barbie's Assets
If you've never been a Barbie fan you may not realize the luxury life that was created for her.
A dreamhouse that in the real world would cost more than $2.5 million, a pink customized convertible, 30-foot customized motorhome, and so much more.
Here at Erie Insurance, we wondered…just how much would it cost to insure such a lifestyle?
- Barbie's Real Dreamhouse: A giant pink covered 4,900 square foot home with features including an elevator, spiral staircase, walk-in closet (of course), four bedrooms, three-and-a-half bathrooms and an in-ground pool. A home like this, with all the high-end extras and finishes on the lake in Erie, Pa., would cost anywhere from $7,000 to $8,000 a year to insure with ERIE.
- Corvette & Camper: This 2023 Chevy Corvette convertible has all the latest bells and whistles. Yes, it's pink too. And the real-life version of this playtime favorite camper comes fully furnished with a custom kitchen that includes a stovetop, oven and refrigerator. To cover these automobiles with a traditional ERIE auto policy would come with a yearly premium of $22,763.
Bundle with ERIE
It doesn't matter if you are living the dream on the Malibu coast or a humble abode in Erie, Pa., we all love a good deal.
So why not take advantage of bundling, Barbie?
Erie Insurance offers multi-policy discounts that vary depending on the state where your auto and home are insured, or you can bundle with a life insurance plan through ERIE.*
So, if you insure multiple cars or have multiple polices with ERIE (life insurance or home policy plus auto insurance), discounts could apply, up to 25%.
If Barbie was able to secure policies with ERIE, she would save more than $4,000 by bundling! She could use those savings to buy, I don't know…maybe a pink motorcycle?
Are you looking for more ways to save? ERIE offers a variety of insurance discounts so you can get the coverage you and your family need for the best value. Be sure to contact us to learn more about multi-policy discounts as well as other available discounts, and see what you could save.
This is a hypothetical story. Premiums and discounts were calculated based on certain assumptions. For specific coverages and costs, please reach out to a local ERIE agent.
*ERIE offers multi-policy discounts up to 25%, depending on your state, when you purchase your auto, home and life policies with us. Life products are not available in NY, discounts are up to 12% when bundling home and auto insurance. Savings are based on individually purchased policies. Discounts subject to eligibility criteria and rates and rules in effect at the time of purchase. Certain terms and limitations may apply, see policy for specific coverage detail.
ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York). The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.
The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time.
Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions.
The insurance products and services described in this blog are not offered in all states. ERIE life insurance and annuity products are not available in New York. ERIE Medicare supplement products are not available in the District of Columbia or New York. ERIE long term care products are not available in the District of Columbia and New York.
Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.
Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.
Article originally posted on www.erieinsurance.com(opens in new tab)
A better insurance experience starts with ERIE.
Haven't heard of us? Erie Insurance started with humble beginnings in 1925 with a mission to emphasize customer service above all else. Though we've grown to reach the Fortune 500 list, we still haven't lost the human touch.
Contact Bea's Insurance Agency today to experience the ERIE difference for yourself.


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What Is a Closed-End Fund?
Closed-end funds have been around since 1893, more than 30 years before the first mutual fund (also known as an open-end fund) was created in the United States. However, closed-end funds are much less common than open-end funds. There are around 450 closed-end funds on the market, whereas there are about 7,000 open-end mutual funds available.1
Closed-end funds are similar to open-end mutual funds in that investors pool their money together to purchase a professionally managed portfolio of stocks and/or bonds. Both have dividends and capital gains that are distributed annually. In other ways, they are very different. For example, closed end funds are much less common than open end funds. Also, closed-end funds have more in common with stocks or exchange-traded funds (ETFs).
Closed-end funds have an initial public offering (IPO) with a fixed number of shares to sell to investors. After that point, the investment company usually does not deal with the public directly, and investors who want to purchase shares must do so on a secondary market, such as the New York Stock Exchange. A closed-end fund's investment portfolio is generally managed by a separate entity known as an "investment adviser," that is registered with the Securities and Exchange Commission.
Shares are bought and sold on the open market, creating a situation in which investor activity does not significantly impact decisions on handling the funds. The market price of closed-end fund shares trading on a secondary market is determined by supply and demand, not by the shares' net asset value (NAV). Although closed-end funds start with a NAV, the trading price may be higher or lower than that value. If the price is higher, shares are selling at a "premium." If the price is lower, they are selling at a "discount."
If you are considering investing in a closed-end fund, there are some things to be aware of. Closed-end funds have broker trading fees and are considered riskier than open-ended mutual funds. They can invest in a greater amount of illiquid securities and can use leveraging methods usually avoided by mutual funds. Closed-end funds are generally not redeemable. The investment company does not have to buy back shares to fulfill investor demand. And closed-end funds charge management fees.
Some people consider investing in closed-end funds because they are designed to provide a stream of income, often on a monthly or quarterly basis. Closed-end funds also could provide an important diversification element to their portfolios. Diversification is a method to help manage investment risk, but it does not guarantee a profit or protect against investment loss.
The value of closed-end fund and mutual fund shares fluctuate with market conditions. Shares, when sold or redeemed, may be worth more or less than their original cost.
Mutual funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.
Source: 1) Investment Company Institute
The information in this newsletter is not intended as tax, legal, investment, or retirement advice or recommendations, and it may not be relied on for the purpose of avoiding any federal tax penalties. You are encouraged to seek guidance from an independent tax or legal professional. The content is derived from sources believed to be accurate. Neither the information presented nor any opinion expressed constitutes a solicitation for the purchase or sale of any security. This material was written and prepared by Broadridge Advisor Solutions. © 2024 Broadridge Financial Solutions, Inc.