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Now a certain man was ill, Lazarus of Bethany, the village of Mary and her sister Martha. It was Mary who anointed the Lord with ointment and wiped his feet with her hair, whose brother Lazarus was ill. So the sisters sent to him, saying, "Lord, he whom you love is ill." But when Jesus heard it he said, "This illness does not lead to death. It is for the glory of God, so that the Son of God may be glorified through it." Now Jesus loved Martha and her sister and Lazarus. So, when he heard that Lazarus was ill, he stayed two days longer in the place where he was. Then after this he said to the disciples, "Let us go to Judea again." The disciples said to him, "Rabbi, the Jews were just now seeking to stone you, and are you going there again?" Jesus answered, "Are there not twelve hours in the day? If anyone walks in the day, he does not stumble, because he sees the light of this world. But if anyone walks in the night, he stumbles, because the light is not in him." After saying these things, he said to them, "Our friend Lazarus has fallen asleep, but I go to awaken him." The disciples said to him, "Lord, if he has fallen asleep, he will recover." Now Jesus had spoken of his death, but they thought that he meant taking rest in sleep. Then Jesus told them plainly, "Lazarus has died, and for your sake I am glad that I was not there, so that you may believe. But let us go to him." So Thomas, called the Twin, said to his fellow disciples, "Let us also go, that we may die with him." Now when Jesus came, he found that Lazarus had already been in the tomb four days. Bethany was near Jerusalem, about two miles off, and many of the Jews had come to Martha and Mary to console them concerning their brother. So when Martha heard that Jesus was coming, she went and met him, but Mary remained seated in the house. Martha said to Jesus, "Lord, if you had been here, my brother would not have died. But even now I know that whatever you ask from God, God will give you." Jesus said to her, "Your brother will rise again." Martha said to him, "I know that he will rise again in the resurrection on the last day." Jesus said to her, "I am the resurrection and the life. Whoever believes in me, though he die, yet shall he live, and everyone who lives and believes in me shall never die. Do you believe this?" She said to him, "Yes, Lord; I believe that you are the Christ, the Son of God, who is coming into the world." When she had said this, she went and called her sister Mary, saying in private, "The Teacher is here and is calling for you." And when she heard it, she rose quickly and went to him. Now Jesus had not yet come into the village, but was still in the place where Martha had met him. When the Jews who were with her in the house, consoling her, saw Mary rise quickly and go out, they followed her, supposing that she was going to the tomb to weep there. Now when Mary came to where Jesus was and saw him, she fell at his feet, saying to him, "Lord, if you had been here, my brother would not have died." When Jesus saw her weeping, and the Jews who had come with her also weeping, he was deeply moved in his spirit and greatly troubled. And he said, "Where have you laid him?" They said to him, "Lord, come and see." Jesus wept. So the Jews said, "See how he loved him!" But some of them said, "Could not he who opened the eyes of the blind man also have kept this man from dying?" Then Jesus, deeply moved again, came to the tomb. It was a cave, and a stone lay against it. Jesus said, "Take away the stone." Martha, the sister of the dead man, said to him, "Lord, by this time there will be an odor, for he has been dead four days." Jesus said to her, "Did I not tell you that if you believed you would see the glory of God?" So they took away the stone. And Jesus lifted up his eyes and said, "Father, I thank you that you have heard me. I knew that you always hear me, but I said this on account of the people standing around, that they may believe that you sent me." When he had said these things, he cried out with a loud voice, "Lazarus, come out." The man who had died came out, his hands and feet bound with linen strips, and his face wrapped with a cloth. Jesus said to them, "Unbind him, and let him go." Many of the Jews therefore, who had come with Mary and had seen what he did, believed in him
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Providing Fitchburg Massachusetts Condominium Roof Repair and Replacement Services to Condo Associations of all Sizes
Condo Roof Repair in Fitchburg for Condos including shingle, metal, flat, membrane, TPO, Bitumen, and more!
Condominium Roof Repair for Fitchburg Condo Complexes and Their Condominium Associations; what you as board members and residents need to know before repairing your damaged condominium roof or replacing it.
When it comes condo roof repair, there are many things to consider, and most have them rely on choosing the best commercial roofing contractor with condominium roof repair and replacement expertise in your area. Additionally, not all condo roofs are constructed in the same ways and from the same materials, finding the right condominium roofing company that also has experience in roof inspections and construction is also a must. With many different roofing materials available, and with a failing roof yourself, how do you know if the original material and construction were the right choices, and how do you know what your choice should be moving forward. Your commercial roofing company shouldn't be just that, a roofing company, they need to be subject matter experts, and that's exactly what you get at Penna Roofing when you engage our professional roofing experts for your Fitchburg project!
What Makes a Condominium Roofing Company The Best Roofing Company for Your Condominium Roof Repair or Replacement?
For starters, you just can't replace experience. You need to choose a roofing company with experience, but even more so than that, a roofing company that has at it's core, craftsman, estimators and project managers that have experience. Ask for references, ask for credentials, ask for anything you need to make you feel comfortable that you have chosen the right roofing company for the job. Do they have experience in the roofing material needing repair? If you have a flat roof, are they qualified to perform the work on such a roofing structure? If you need a roof replacement, are they qualified to present you with the options available for your roof, or are they only experts in one type of roofing material, and as such only present the solution they provide and not the one you need? You need an agnostic commercial roofing contractor that will give you an unbiased opinion and set of options so you can choose the one that best suites you and your association needs.
Always Look for a Value Based Condominium Roofing Contractor You Can Trust
Penna Roofing is the leader in value-based roofing repair and replacement, including those projects for condominiums. But what does that mean? The most important thing to consider after you find a qualified roofing company for your condominium roof repair or replacement project, is to determine who offers the best value. Value does not equate to price, but value is the more important factor when choosing your commercial roofing contractor. There are quite a few components when assessing value among contractors, and sometimes they can be elusive, but most of them are critical to choosing a roofer for your job.
Value Components
- Qualifications
- Subject Matter Expertise
- Timing to Start and Finish Project
- Quality of Roofing Materials and Experience With
- Reliability
- Presentation of Project Materials and Bids
- References
- Proper Liability Insurances, Licenses, and Documentation
- Itemized Bid Proposals (very important to ensure you get what you pay for)
- Cleanliness of Job Site on a Daily Basis (get references)
- Perform Background Checks on all Internal Employees
- Have no Outstanding Complaints with Your Local Building Department (info below for reference)
- Have the Necessary Construction Experience Needed to Address Roof Structure Needs & Recommendations
- Will Commit to Timetables and Meet Them (many companies drag out projects putting the buildings envelope at risk of negative effects)
- Does The Contract Have Conditions They Have to Meet as Well as You the Client?
In a nutshell the overall value you receive from a vendor is comprised of all of the things you need to ensure a proper roofing job not just for today, but for the future. In this case an ounce of prevention is worth a pound of cure, and if it seems too cheap to be true, it probably is. When you hire the right condominium roofing company that itself hires well qualified and credentialed roofing contractors and project managers, and they in turn recommend the proper repairs and associated materials needed, and they get installed properly, leading to all of the manufacturers warranties being enforceable, you are ensured you have a great repaired or finished roof you can count on for years to come. This is one job you don't want t skimp on and hire the low cost provider. When shortcuts are taken, it has been proven you can reduce the lifespan of any roof by as much as 80% plus. In some cases using the wrong materials, or even worse, using the wrong installation processes, you can completely void the manufacturer's warranty on materials, and be looking at a complete replacement in less than one year. You heard that right…If you install a cedar shake roof wrong, it can lead to complete deterioration in 6 months or less. The cost of replacing or repairing poor roofing work can be astronomical, and those repairs can come in short order. By hiring a value leader like Penna Roofing, you can mitigate premature deterioration, ensure enforceable warranties, giving you the security and comfort, you need to know your roof will last it's expected lifespan, or someone else will be on the hook for its repair. Paying a fair price, for great value is definitely the way to go when choosing your condominium roofing contractor.
You can always call your local building department to see if any complaints have been filed in your town regarding any roofing contractor for violations, or general complaints.
Fitchburg Building Department
166 Boulder Dr
Fitchburg, MA 01420
Work with a Condominium Roofing Company That Understands the Needs of Your Condominium Association Board as Well as it's Community Members
Understanding how Condominium Associations work is also critical to the process, ensure you have like-minded people engaged from the outset to assess roof damage, create a repair plan, and understand how that plan is impacted by reserve budgets not only today, but in the years to come. I many cases we can minimize long term roofing maintenance, repairs, and replacements by scheduling out planned and budgeted work so that your association can be prepared for most roofing repair and replacement expenses.
We also have resources to help with capital needs assessments for your association so the board can plan safely and comfortably. We can help with situation assessments, or comprehensive capital assessments provided for by some of the nation's premier capital assessment experts. Why not engage Penna Roofing today and be prepared for the future!
We are fully licensed and bonded. We also have one of the best track records of any roofing company in Massachusetts.
Penna Roofing is not just a commercial roofing contractor specializing in condominium roof repair and replacement, we are general contractors with deep commercial experience. We can provide any and all of your general repair, updates, upgrades and assessment services when it comes to your condominium complexes structures and systems. Additionally, because we also perform residential contracting services for clients, we understand the fine balance behind commercial decision making taken by a business management group like your Condo Association Board, as well as understanding the intricacies of working with homeowners direct. That gives us the very specific experience you need to balance board and member ownership when it comes to expenses, work schedules, and the personal side of contracting disruption and workplace policies and procedures.
Commercial Roof Inspections from Penna Roofing, the Value and Quality Leader in Commercial Roofing and Roof Contracting Services in Massachusetts
Roof damage isn't always visible and can be often overlooked, leaving your roof system to deteriorate over time. Penna Roofing commercial roof inspectors are trained and knowledgeable to examine critical areas of your roof to identify any potential damage or weak spots, as well as to address the extent and severity of any, and all damage to your roof, and make the necessary repair or replacement recommendations.
Your Commercial Roof Inspection Comes with a Report Consisting of the Following
- Photographs of critical areas of need
- Detailed written assessment of the roofs current condition and current and future needs
- Repair or replacement paths
- Repair estimates for insurance claims
- Sit down meeting to discuss the report and determine next steps
Common Commercial Roof Failures and Signs of Potential Issues with Commercial Membrane Roofs
Roof Membrane Punctures
Punctures or holes in the roof membrane material can occur for a variety of reasons, material penetration from tree limbs, penetration from worker error, poorly mounted or installed rooftop HVAC equipment, etc. These punctures can be repaired by fusing or welding new membrane material
Open Seams
Open seams can occur when the roof membrane deteriorates due to issues or age. These can also be fixed with welding or fusing and replacement of membrane material
Pooling or Ponding Water
When roof drains fail, rain water tends to pool or "pond" in areas of the roof and standing water on your roof can be a major issue and lead to accelerating roof deterioration. Having your drains inspected for blockage and having any blockage cleared is the first step
Blocked or Clogged Roof Drains
Blocked or clogged roof drains, including roof downspouts and gutters can cause issues with pooling or ponding water on the roofs surface that will lead to roof leakage, and accelerated roof material deterioration
Bridging Walls
Bridging walls on the roof are usually a sign that the roof is nearing its age out, and considerations for a roof replacement should be considered or discussed. It can also be from poor initial installation. This can be repaired if this is the case.
Fastener Failure and Backout
When the membrane fails and water penetrates the surface material the roof contracts and expands more than the tolerances allowed forcing the fasteners to "backout" and creating a situation where the roofing envelope is compromised. These fasteners must be replaced after a full inspection of the roofing sub base and membrane are inspected and repaired as necessary.
Failing Caulk
This is the most common commercial roof failure with membrane roofs and occurs when caulk ages. This can lead to serious roof issues if left unchecked. Annual roof inspections can help you determine when roof caulking needs to be repaired and replaced. This is also one of the easiest roof repairs to make as it entails removing the old caulk, cleaning the locations, and resealing with new caulking.
Blisters occur when air gets trapped under the membrane. This requires the removing of the affected area, alleviation of the blister, and the replacement of new membrane material that is fused or welded in place with manufacturers approved processes.
When it comes to other types of commercial roofing material repairs and replacement needs, we offer a full suite of services. Common failures on these roofs are:
- Failing shingles
- Fastener failure and backout
- Flashing failure
- Ice and water shield failure
- Poor roof venting
- Punctured surfaces
- Issues with roofing sub decking
Schedule an Appointment to Assess Your Condominium's Roof and Understand What Your Roof Repair Entails in Terms of Repair Scope and Costs
Is your Condo Association faced with roof damage from a recent windstorm, hail, or just plain old years of exposure to the elements, or even worse, pure neglect? You should contact us to schedule an appointment with one of our condominium roof repair experts right away. Our team of trusted condominium roofing contractors will be happy to work with you! 603-288-1711


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Looking for an aftermarket Slash® Skid Plate to withstand the test of time? Pro-Line's got your back with an extremely durable stock replacement Skid Plate.
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According to the Association for Pet Obesity Prevention (APOP), 43% of all dogs and 53% of all cats are classified as overweight. What's worse is that an additional 10% of all dogs and 19% of all cats are considered obese! Therefore, more than half of our dogs and cats are overweight or obese. So, should
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Witnesses describe a horribly heartbreaking scene Sunday at the Pittsburgh Zoo & PPG Aquarium after a 2-year-old boy fell into an exhibit housing wild African dogs.
"The screams just kept coming and coming," Angela Cinti, 20, tells the Pittsburth Post-Gazette. "We were on our way to the polar bear exhibit when we heard the most horrible piercing screams. ... Someone was begging for help, asking someone to do something."
The little boy, who has not been identified, died. According to The Associated Press, it's possible he was killed by the fall — which measured somewhere between 11 and 14 feet.
But Barbara Baker, president of the zoo, told reporters Sunday that the child died from a mauling by the 11 dogs in the enclosure. The Post-Gazette has video of Baker's comments and one witness's account of what happened.
Pittsburgh's TribLive adds these details about how the tragedy happened:
" 'The mother picked the child up, put him on the railing,' Major Crimes Lt. Kevin Kraus said, describing the moments before the 11:45 a.m. attack. 'Almost immediately after that, he lost his balance and fell into the pit.'"Barbara Baker, zoo president and CEO, said the 11 dogs in the exhibit, which are territorial by nature, went into a pack mentality and attacked the boy when he hit the ground."
The AP reports that "authorities said that zoo staff and then police responded 'within minutes' but visitors described that time as being filled with screams for help. Zookeepers called off some of the dogs, and seven of them immediately went to a back building. Three more eventually were drawn away from the child, but the last dog was aggressive and police had to shoot the animal."
It appears that no bystanders risked the jump into the exhibit.
Copyright 2016 NPR. To see more, visit http://www.npr.org/.


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OJJDP's grant awards support state and community efforts to develop effective prevention and intervention programs and to improve the juvenile justice system. Find details for funding awards from OJJDP below.
Finding Grant Awards
Use the search filters to narrow your search by fiscal year, keyword search, awardee, city or state, and more.
Looking for awards for a specific solicitation? Enter the solicitation title in the keywords filter or visit the Past Funding page to see a list of expired funding opportunities.
Awards Listing
Number of Awards: 6
Total Amount Awarded: $2,638,631


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Saturday, May 11, 2013
Mini-Reviews: Demon Squad: Beyond The Veil by Tim Marquitz and The Witch's Eye by Steven Montano (by Mihir Wanchoo)
Official Author website
Order the book HERE
Read the first chapter HERE
Read Fantasy Book Critic's review of Armageddon Bound
Read Fantasy Book Critic's review of Resurrection
Read Fantasy Book Critic's review of At The Gates
Read Fantasy Book Critic's review of Echoes Of The Past
Read Fantasy Book Critic interview with Tim Marquitz
Order the book HERE
Read the first chapter HERE
Read Fantasy Book Critic's review of Armageddon Bound
Read Fantasy Book Critic's review of Resurrection
Read Fantasy Book Critic's review of At The Gates
Read Fantasy Book Critic's review of Echoes Of The Past
Read Fantasy Book Critic interview with Tim Marquitz
OVERVIEW/ANALYSIS: Beyond the Veil is the fifth book of the critically under-appreciated Demon Squad series. It's a series that is a big favorite of mine because of the unique approach taken by the author. Tim's series protagonist is a guy who would be a villain in most and would not survive more than a book or two. Frank is a guy who is shady, lecherous and immature to a certain degree but he's also loyal, kindhearted and best of all a wise-cracking dude whose inner monologue will leave you in splits. He's the kind of guy who they say is a diamond among the coal however you would have to dig really, really deep and perhaps the diamond might be more than flawed in a jewelers estimate. His actions though have lead many readers to be enamored of him and also a bit leery as well.
With this being book five, the review becomes a bit hard as there will be minor spoilers for the previous four titles so be warned those who haven't read the previous titles. With the previous book's climatic cliffhanger, things were left precariously for Frank as his girlfriend Karra is missing and no one knows where and who took her. Frank is hellbent on involving Longinus (her father) as he doesn't want to the ex-AntiChrist on his bad side.The DRAC folks however are wary of involving Longinus and want Frank only in a supporting role. The key to finding out Karra's location is the alien Mihheer and he's in no mood to talk. Frank will have to decide where his loyalties lie and how will he get Karra back and still stay sane with all the revelations that have been sprung on him and how many more secrets will he have to burden himself with.
The last book was a lot different than the previous three volumes and I mentioned that it was a very introspective volume. This book manages to combine that introspection with the fast-paced nature of the third book. Let's begin with why I think Tim Marquitz outdid himself with this one, firstly the action shifts to a plane other than Earth which I'll leave the readers to RAFO. Then we finally get to know the main, main reason why God and Lucifer have left Earth. This is the biggest plus point of the book that only do we get to know the all the reasons but we get to actually "know" the fundamental crisis behind it. This was the big reveal of the book, of all the secrets that were teased throughout the past four books; we get a big dose of revelations in this one. Plus for those wishing for the action found in Resurrection & At The Gates will be heartily rewarded as Frank, Longinus and others get down and dirty in new places.
The action sequences and plot pace are what can be expected from a Tim Marquitz novel and by this I mean they are of the fast and furious kind that leave no quarter for the protagonist and will pull the reader along. These are the shining facets of the story and I was glad to see my Tuckerized version get a stellar cameo role to play in the events of this book (continuing from the book four). Lastly with Frank, Tim has been putting him through a world of pain and in this book, he gets closure of a sort to many of the questions that have haunted his past and lingered throughout his life. As a character the readers love to see him pick himself up debacle after debacle and try to live a decent life. With the climax of this book, I can't wait to see where he goes next. The book basically delivered on all fronts for me and so I can't wait to see where Tim takes Frank next and what new story will he explore. Though knowing Tim's nefarious ideas, it won't be something that Frank will enjoy but as a reader it could be fun to read about it.
With this book I didn't have any complaints however the other readers will have to decide if that was the case for them as well. Beyond The Veil basically caps off the first arc for Frank Trigg in the Demon Squad series in high style. Readers who have followed the series so far will be sumptuously rewarded with world and back story revelations that surprise and astound to a high degree. If you haven't read this series so far, kindly remedy this mistake immediately. As for urban fantasy naysayers, the Demon Squad series is the one of the many solid reasons that might change your opinion about this beloved sub-genre of mine.
Order the book HERE
Read Fantasy Book Critic's review of Blood Skies
Read Fantasy Book Critic's review of Black Scars
Read Steven Montano's guest post on Cross-genre writing
Read an excerpt HERE
OVERVIEW/ANALYSIS: Steven Montano's books have made me a fan of his after I first came across his debut last year. Even though it was a bit rough, the potential within in regards to the writing and the series convinced me that this was an author worth paying attention to. Since then I've read and reviewed all four books of the Blood Skies series and it's safe to say I haven't been disappointed. Before I begin the review, I would like to re-iterate that by discussing certain aspects of the fifth book, I'll be spoiling some of the earlier four prequels. So those readers who haven't read the previous ones, be warned...
With the fourth book, certain events occurred that made the book a great and equally tragic one. We got a POV from Kane and it was great to see the happenings from his eyes. The author then continues his POV run by giving Ronan a narrative voice with this book and it's a different experience as well. The story begins with not two but three distinct threads. The first one is centered on Ronan and Maur and he try to get back to the Southern Claw. The second tract focuses on Cross who is back to the land of the living but having aged nearly more than a decade with his sojourn in the Shadowlands. Lastly we get to see what happened to Danica especially after the events of the fourth book and we learn that she faces a cruel fate as did Cross in the last book. She is made to serve the vampires albeit with a different name and with a different set of circumstances
The biggest change of the series is the change in the number of POV characters, with the first two books we have had only Cross as the sole POV, however with the third book, we gained another set of eyes into the world and since then with every book, there has been a POV addition. With this book, we get to see the world via Ronan's mind and that is a great facet for this book. The story so far has been a grim one with each book having a few character deaths and a few of those have been main characters as well. This has led to the readers never being sure who might survive in each book. With this book, the story becomes even grimmer if that was even possible with such a dark world to begin with, but the author goes out of his way to further torture his characters. Now while that doesn't speak all too well about a person I haven't met, I must say it makes for some fascinating reading. Steven Montano has surprised greatly with the direction of the story he's taking and even with the world he has created, he continues to add further facets to it that make it seem as mysterious and foreboding as it was when I discovered it in the first book.
The characterization is what makes this story such a terrific one, Cross, Danica and Ronan have been pushed physically, mentally and talents-wise. Their struggles to remain as a team and save each other make this story worth reading. With this book we learn a good deal about Ronan's past (not that it makes him any less scary), Danica continues to evolve further and after the events of the last book she seems like a whole new person (there's also certain plot points which facilitate this transformation) but I'm also talking about her overall character arc, which has been a great one to read so far. Maur is another of my favorite characters however doesn't get much page time for reasons that have to be discovered by the reader. Cross also returns and furthers his evolution as the soul of his team and the person who has given it his all multiple times before and will be forced to do so again.
The author has started a four book arc beginning with book three and this is the penultimate book in that arc as there are many references to events of the past three books. There's also the further peeling back of the curtain for readers to understand what truly is happening behind the scenes. After being mildly disappointed with book three, the fourth book and this one have completely reinvigorated my faith and interest in this series and I can't wait to see what happens next. The Blood Skies series comes highly recommended for readers who would like reading a heady mix of genres and books that are bloody, dark and action-packed as those by David Dalglish and Matthew Reilly to a certain degree.
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Directed by Gavin Hood, the November 1 release stars Asa Butterfield, Ben Kingsley, Harrison Ford, Hailee Steinfeld, Abigail Breslin, Viola Davis, Nonso Anozie, Stevie Ray Dillmore, Andrea Powell, Moises Arias, Conor Carroll, Aramis Knight, Brandon Soo hoo, Jimmy "Jax" Pinchak, Suraj Parthasarathy and Khylin Rhambo.
In the near future, a hostile alien race called the Formics have attacked Earth. If not for the legendary heroics of International Fleet Commander Mazer Rackham (Ben Kingsley), all would have been lost. In preparation for the next attack, the highly esteemed Colonel Hyrum Graff (Harrison Ford) and the International Military are training only the best young minds to find the future Mazer.
Ender Wiggin (Asa Butterfield), a shy but strategically brilliant boy, is recruited to join the elite. Arriving at Battle School, Ender quickly and easily masters increasingly difficult challenges and simulations, distinguishing himself and winning respect amongst his peers. Ender is soon ordained by Graff as the military's next great hope, resulting in his promotion to Command School. Once there, he's trained by Mazer Rackham himself to lead his fellow soldiers into an epic battle that will determine the future of Earth and save the human race.


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Stephen Prince has plenty of money, and he doesn't mind sending more of it to the federal government.
"There's nothing in history that supports the view that if you give the wealthy their money back, they'll invest it," says Prince, who owns a company based in Nolensville, Tenn., that makes gift cards. "We invest anyway -- that's what the wealthy do."
President Obama has made it clear he will demand that taxes go up for the top 2 percent of earners as part of any new budget deal. Presidential statements, congressional debate and protests in Wall Street and around the country have all made the case that the rich must pay more in order to help both the budget and the economy.
But how do the top earners themselves feel about that idea?
Some, like Prince, say they can readily afford to pay more. Others think it's wrong to call on them to pay higher rates -- even as top earners account for a huge percentage of personal income tax receipts. Mainly, they say they are tired of being singled out and accused of not paying their fair share.
"I worked hard and I had some success, and I think that's how it's supposed to be in this country," says Edward Kfoury, a 74-year-old former IBM director who now owns "a couple of businesses" in Maine. "I don't like being called a name and being called a bastard and all these other things."
'A Dark Path'
Prince, who is 61, lives in a gated golf community near Nashville, Tenn., and owns a condo in New York. Not only can he afford to pay more, he says, but he also believes people in his bracket need to pony up to support essential programs such as education and roads.
"Almost all of my friends don't have one mansion, they have two," he says. "Many of them have three."
He recently joined a group of 225 self-styled "Patriotic Millionaires," which advocates that high-income individuals pay higher taxes.
"Without willingness to support our central government, we're going down a dark path," Prince says. The conditions that create wealth -- including an educated workforce and a broad customer base -- are at risk if the rich are too "greedy" to pay more in taxes, he argues.
How Much Is Enough?
Not everyone whose taxes would go up under President Obama's "fiscal cliff" proposal lives in a mansion, however. Particularly in expensive parts of the country such as New York City and San Francisco, $250,000 doesn't go as far as it once did.
"My wife and I collectively make over that," says Bernie Grimm, an attorney in Washington, D.C., "but with three kids and two in college, that's not a lot of money."
As New York City Mayor Michael Bloomberg once pointed out, life in such places is itself a "luxury product." Grimm, who is 57, readily concedes that his family is able to live comfortably.
People who aren't able to make ends meet on a medium six-figure income are arguably just not being smart with their money.
"There are a lot of people in my income category who are living paycheck to paycheck," says Mark Anderson, a 29-year-old mortgage broker in St. Louis. "It's just a different level of credit card debt."
Anderson says he and his wife, a pathologist, fall into the 2 percent category but not by much. He indulges himself in "the latest and greatest that Apple has to offer" and lives in a sizable house in a good neighborhood. Beyond that, he says, he and his wife aren't extravagant -- they drive Subarus rather than Jaguars.
Singling Out Success
Anderson recognizes that the kind of tax increases Obama proposes aren't going to impinge on his life materially, and he supports them philosophically. But he adds that he thinks Obama and other Democrats make being rich "sound like a bad thing," which he says is a mistake.
The top 2 percent of earners already pay 35 percent of all federal taxes, according to the Tax Policy Center. In terms of personal income taxes, the top 1 percent alone pay 37.4 percent of total receipts, according to the Tax Foundation -- double the share they paid back in 1979. Kfoury, who is president of a land trust in Maine, points out that there are years when his personal tax bill has run into seven figures.
"What would make me feel a lot better is if I heard the president say, 'I want to thank the rich people who, because of our progressive tax system, pay the most -- but we don't have enough money, so we're asking the wealthy people to help the country out by paying more than their fair share,' " says Martin Krall, a 71-year-old "semi-retired" attorney and media executive who lives in Palm Beach Gardens, Fla.
"Instead, you're made to feel like you're a bad guy," Krall says. "People resent the notion that somehow they've done something wrong by becoming successful."
Get Your Fiscal House In Order
Even Prince, the Tennessee millionaire, says the president "has done a horrible job of telling the story or recrafting the message."
But for some of the well-to-do, it's not just a question of being asked nicely. Some argue that the federal government itself should get its books in better order before it comes asking them for more.
"If you have tax increases and parallel cost-cutting, that's fine with me," says Grimm, the D.C. lawyer.
Grimm says he has always endorsed social programs, worked in a public defender's office and once set up a reading program at a local jail. But he believes there's plenty of waste in government -- including domestic programs he worries are leaving some individuals dependent on government largesse.
Jeff Fisher, another 57-year-old lawyer, agrees that any increase in taxes for people in his income category must be accompanied by cuts to government programs. "It's got to be the two together," he says.
But if he has to pay higher taxes in order to help bring the federal budget closer to balance, Fisher recognizes that he can afford it.
"Yeah, it's going to cost me a bunch of money each year, but it's not going to make a material change in my life," Fisher says. "I'm a divorce lawyer in Palm Beach, Fla., so I do very well."
Copyright 2012 National Public Radio. To see more, visit www.npr.org.


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We should say that "working with us" is the first way! When you let us help you find the loan that's right for you, you truly are taking advantage of some of the area's best technology and expertise to get you a loan decision and funding on your loan quickly.
But here are five "other" ways you can speed up the process of getting a mortgage loan:
And remember that the appraiser doesn't want to buy your house. He or she will say what the house is worth clean and tidy and in reasonable repair, even if you have some dirty laundry on the laundry room floor or dirty dishes in the sink. Cleaning doesn't get you a higher appraisal! Letting the appraiser in as soon as possible gets you a loan faster, though.
Looking for a new home loan? Fill out the following form to get a fast quote from us.


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Beneficiary Designation Gifts
A beneficiary designation gift is a simple and affordable way to make an impact for the Kingdom. You can designate your church or favorite ministry as a beneficiary of a retirement, investment or bank account or your life insurance policy.
Benefits of a beneficiary designation gift
- Support the causes that you care about
- Continue to use your account as long as you need to
- Simplify your planning and avoid expensive legal fees
- Reduce the burden of taxes on your family
- Receive an estate tax charitable deduction
How a beneficiary designation gift works
- To make your gift, contact the person who helps you with your account or insurance policy, such as your broker, banker, or insurance agent.
- Ask them to send you a new beneficiary designation form.
- Complete the form, sign it, and mail it back to your broker, banker, or agent.
- When you pass away, your account or insurance policy will be paid or transferred to your selected charity, consistent with the beneficiary designation.
Important considerations for your future
If you are interested in making a gift but are also concerned about your future needs, keep in mind that beneficiary designation gifts are among the most flexible of all charitable gifts. Even after you complete the beneficiary designation form, you can take distributions or withdrawals from your retirement, investment or bank account and continue to freely use your account. You can also change your mind at any time in the future for any reason, including if you have a loved one who needs your financial help.
Contact us
If you have any questions about leaving a beneficiary designation gift, please contact us. We would be happy to assist you.
If you have already designated us as a beneficiary of an asset or as part of your estate plan, please let us know. We would like to recognize you and your family for your gift.
Additional Information
FlexibilityMost beneficiary designation forms are very flexible. You can name your favorite ministry as a "full" or "partial" beneficiary of your account or life insurance policy.
Family ConsiderationsBeneficiary designation gifts allow you to provide for family and support the causes that matter most to you. With a designation form you could, for example, name your spouse as the "primary" beneficiary and each of your children and a charity as "partial contingent" beneficiaries. With this arrangement, if your spouse survives you, he or she would receive the account. If not, the account or policy would be paid out to your children and the charity in whatever shares (or percentages) that you chose on the designation form.
TerminologyBeneficiary designation gifts are simple and straightforward. Common terminology includes "beneficiary designation" but also includes "payable on death" or "transfer on death." The term "beneficiary designation" is most commonly used when naming beneficiaries of retirement plans or life insurance policies. The term payable on death (or "POD") typically involves the designation of a beneficiary of a checking account, savings account or certificates of deposit, and transfer on death (or "TOD") often involves the designation of a beneficiary of stocks, bonds or mutual funds.
Additional Materials
To download a brochure and learn more about Beneficiary Designation gifts.
To download a brochure and learn more about TOD gifts.
To download a brochure and learn more about POD gifts.
Beneficiary Designations and Real EstateSome states even allow "beneficiary designation deeds" or "transfer on death deeds," which would allow you to name the charity as the survivor beneficiary of your home, farm, or other real estate. As with other beneficiary designation gifts, these gifts are revocable by filing a revocation or new beneficiary designation deed.


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Before I had children, I understood that parenthood would be challenging. I read a lot of books about it, actually, because I was a little worried. Would the first months of my child's life be like boot camp? Would I go insane from sleep deprivation? Was I going to be comfortable breastfeeding? Would I gag at all the shitty diapers? Could I do this? I was pretty confident that I could do it. I figured that I was about as well-prepared as any mother could be, and, besides, I was not in this alone. My husband would be right there with me, doing his share and gagging at runny poos. We would be doing it together, and together, we would be strong.
And then Emilia was born and it was, as expected, hard. And my husband was there, just as I had expected him to be, and he provided all the support that I could hope for. He provided all of the support that I could hope for, and more, and yet: I found myself feeling very, very angry. At the situation. At him. Mostly at him.
I was struggling with post-partum depression, which of course exacerbated things, but it was more than just a byproduct of the depression. It was a deep, almost aggressive, resentment that burbled up in my throat – burning, like an acid – and choked me, every time that he walked out the front door to go to work, or to pick up milk or cat food or whatever, his arms swinging freely, his keys dangling casually from his fingers. Maybe I'll just stop by the barber for a hair-cut, he'd say. Or, I'll swing by the grocery store on the way home from work. Or, I'm headed out to work; call me if you need anything; love you! The bastard.
He could just walk out the front door, just walk right out and head off to wherever, totally unencumbered, totally unburdened. He was free. I was not free. I could not even go to the bathroom without undergoing complicated rituals to ensure that the baby would not scream for the five minutes that I would be out of her line of sight (having failed to master this activity, I soon resorted to waiting until she had one of her two eight-minute naps of the day, or jerryrigging the baby carrier so that I could hold her and pee at the same time.) If I wanted to leave the house, even to venture the half-block to the bakery for a take-out cappuccino, I had to plot my outing like a military manoeuvre, making certain that my plans were in accordance with nap schedules and feeding times and stocks of supplies and the appropriate alignment of the stars. I was not free, and I resented my husband's freedom with a fury that sometimes made me tremble. I was angry. I was sometimes not sure whether I was angry at him, or myself, or the universe, or all three. Usually I settled for just being angry at him.
Last week, the New York Times reported a story – originally posted on Parenting.com, later covered by Jezebel – about moms of young children feeling anger toward their husbands. According to the original story, nearly half of all moms who took a survey about anger reported that they "get irate with their husbands" at least once a week. Fully half of them described their anger as "intense." Moms, the study concludes, are mad. Which, whatever. I could have told them that.
The story that I would tell about this anger, however, might be a little different than the one told in the Times. The Parenting.com story focuses on the imbalanced distribution of parental responsibility in most households, and their characterization of that imbalance rang perfectly true for me ("We carry so much of this life-altering responsibility in our heads: the doctors' appointments, the shoe sizes, the details about the kids' friends. Many dads wouldn't even think to buy valentines for the class, for example, or know when it's time to sign kids up for the pre–camp physical… We're the walking, talking encyclopedias of family life, while dads tend to be more like brochures." Yes, I said to myself, reading this. YES.) But I'm not convinced that that imbalance necessarily leads – must lead, should lead, justifiably leads – to rage directed at one's spouse.
Is it really my husband that I'm angry at when I find myself trapped (yes, that's how it feels sometimes) alone inside the house with a squalling baby? When I'm awakened for the umpteenth time in the night by a baby who won't take a bottle? When my husband reveals that he doesn't know when Emilia should visit the dentist, or when Jasper should go in for his next well-visit? When he complains about being tired or overwhelmed while I'm scrounging in the medicine cabinet for the Ativan? Sure, I feel angry – I sometimes feel very angry – but is my anger really directed at him? And if it is directed at him – should it be?
My husband is not – I am pretty sure about this – acting maliciously when he walks out the front door to go to work. And he does not actively try to avoid retaining certain information about the household schedule or the children's appointments or how many Valentines Emilia needs to bring to school next week. Nor is he making a conscious effort to disregard how challenging things are for me when he complains about his own exhaustion. Sure, he'll never be as exhausted as I am – nobody will ever be as exhausted as I am – but that doesn't preclude him from experiencing his own sleep-deprivation-related discomforts. So why do I feel anger about these things? These things are not his fault. He's a supportive husband and father, but he's got his own challenges to deal with: his job pays the mortgage, his cooking skills keep us from living on soup and donuts, his ability to stay awake at night and get up early in the morning to wrangle baby is required to keep his sleep-deprived wife from going batshit crazy. This new household order isn't a walk in the park for him, either. So why do I – and, presumably, half of the married mothers in North America – blame him for the seeming imbalance in that order?
My point: it's not my husband's fault that I carry most of the burden of responsibility for caring for our kids. It's just the way that it is. I could blame him – and believe me, sometimes, in my darker moments, I do – but mightn't it be more reasonable to blame society's patriarchal hangover? Or even more reasonably: mightn't I blame the choices that we have made as a couple, that I have made as a woman and mother? We made choices as a couple that established a certain division of labor in our household, and we agreed upon those choices. I'm a stay-at-home/work-at-home mom. The children are in my care for a far greater share of the day than they are in his. If he didn't work, things would be different. If he lactated and could breastfeed, things would be very different. If parenting were just an easier gig, things would be different. I could justify my anger as rightfully directed at him if I felt – if I believed – that he just didn't take the care of our children as seriously as I did, or if he actively shirked parental duty and left the burden of work unfairly to me. But he doesn't, and so I can't.
And my guess is that this is very probably true for many women. Pressed with the question, do you get angry at your husband?, any one of us might say, "hell yeah, I get angry!" Do you feel that you work harder in caring for your children, that he doesn't do as much as you do, that things are easier for him? "Yes, yes and yes!" Does that make you mad? "YES!" But are we really mad at our husbands and partners, or are we mad at the circumstances of our parenting arrangements? Are we really a continent of enraged mothers, silently seething at our significant others, filled with justifiable rage at their failure to measure up to our needs and expectations? Or do we all just find parenting really, really hard sometimes – not to mention isolating – and so just fall easily into the trap of resenting our partners for not – from our blinkered perspective – having it as hard? When we talk about being angry at our spouses, aren't we really, many of us, talking about being angry about hard this motherhood business can be, and about what a drag it is that the larger share of the burden of childcare has, over the course of human history, fallen to women? You know, as the ones with the boobs? Is this really about our own husbands at all? Or this about long-standing, world-historical tensions concerning divisions between men and women generally?
None of this is to say that my husband doesn't f*ck up sometimes, nor that he is perfectly attentive to my every need as his parenting partner. Sometimes he's just an outright doofus about things. And so I feel completely justified in feeling a teeny bit – maybe a whole lot – pissy when he asks why I can't just go to sleep earlier, or maybe nap when the baby is napping, or when he doesn't put away the laundry or when he says oh, hey, would you mind terribly if I just went out for a while to do whatever and left the kids with you? But the larger issues, the challenges and obstacles and difficulties that provoke real anger and deeper frustration: these are not his fault, and my emotional struggle with these should not be his cross to bear. This should be our shared burden, one that we manage, in part, by acknowledging that we both ache from the strain and and that we both buckle, sometimes, from the weight.
And then he should mix me a drink and rub my feet. Then we'll be good.
Where are you at with this whole angry-at-mah-hubby thing? Are you one of the 50% of the population that's filled with rage? Would a foot-rub help? Is it just me, or does even talking about mother-rage feel discomfiting? Like, if I had a good feminist household I wouldn't even be talking about this crap because dude would have a prosthetic, lactating breast machine strapped to his chest and would be nursing our baby himself while I added a few more degrees to my CV and maybe found a cure for cancer? GAH. Maybe I get angry because I fetishize the inside of my own head. That shit's tiring.


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These Hard Waffles were served cold, with a generous layer of butter spread on them. They would be eaten first, with cookies, shortbread, fruitcake and homemade chocolates to follow.
Here is my challenge to you: I have been unable to locate a recipe quite like this one. Does anyone know of it, perhaps under a different name? Does anyone out there have a tradition that includes Hard Waffles as a specialty treat?
This recipe is in my maternal grandmother's handwriting:
Makes 4 dozen 2-inch by 2-inch rounds
2 cups sour milk (cream is better) {I used 2 cups cream + 2 tablespoons lemon juice)
½ cup butter
3 eggs
1 cup white sugar
1 teaspoon soda
2 teaspoons baking powder
½ teaspoon salt
Flour to roll {I added 6½ cups}
Roll and bake in heated waffle iron.
Tasting Notes
Not too sweet, these waffles are rich and filling, a perfect snack with a hot cup of full-bodied coffee. Next time, I'll try adding cardamom to spice it up.
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High Polished 2 White Anchors Stainless Steel Biker Ring
High Polished 2 White Anchors Stainless Steel Biker Ring
Regular price
Looking for a perfect gift for your man, husband, son, father or a friend?
Checkout this High Polished 2 White Anchors Stainless Steel Biker Ring made of stainless steel and is very durable, highly resistant to rust and fade. Lifetime protective finish ensures a long lasting, nickel free, lead free, and hypoallergenic, perfect for every wear.
An excellent quality of workmanship as well. Polished steel inside and out w/ no plating to peel off and get ugly.
Available Sizes: 8, 9, 10, 11, 12, 13
Features: 2 White Anchors w/ Epoxy in Jet
- Category: Ring
- Material: Stainless Steel
- Finish: High polished (no plating)
- Center Stone Type: Epoxy
- Center Stone Color: Jet
- Weight (approx): 13.86 (g)
Care: Use silver cleaner solution to clean chain and wet wipes or wet cloth to clean the charm.
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Estimated delivery time 5-10 days
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For all exchange/cancellation/return requests as a result of customer error or changing their mind or issues with sizes for the product. The following costs will need to be borne by the customer:
- Shipping charges incurred in connection with shipping the replacement and the return shipping of original product will be borne by customer
- In addition to above you will have to pay 15% of the cost of the product(s) as re-stocking fee
- Exchanges will only be processed once you pay the additional invoice for the above costs
- Shipping charges incurred in connection with shipping the product(s) will be borne by customer
- In addition to above you will have to pay 15% of the cost of the product(s) as re-stocking fee
- The above fees will be deducted once the item is received and inspected by us and the remainder amount will be credited back to the mode of payment used by you when placing the order.
We use USPS, FedEx or UPS to ship the products and time taken for delivery will be based on the shipping method and carrier, typically this is 3-5 business days.
Please be advised that once your item has been shipped, the below conditions will apply for changes or cancellations. In rare occasions if you notify us immediately after placing your order and the items hasn't moved into shipment process we may be able to cancel the order without any fees. Typically this will need to be within 5 hours of placing the order, as some of the orders will move into shipment phase very quickly.
If you have a need for exchange or cancellation or return please send email to firstname.lastname@example.com, and our friendly Customer Advocacy team will guide you on next steps, Or reach us via Contact Us page.
In case of refund arising as a result of cancellation or any approved credits back to you on an order you placed, we will process refund from our end in 48 hours after we approve of the cancellation/credit. But for the funds to return to your Bank account or Paypal (depending on mode of payment used) it will take few addl. days which is the time taken by the banks to process the credit and your financial institution to show the credit in your account. But in case you do not see the credit in your account after 10 days, pl. feel free to contact us.
Please note: Due to the popularity of certain items in our catalog, shipping times may take longer than the estimates shown on the website. Also at times some products may run out of stock, and you will need to allow time for us to obtain new stock. And if you are not comfortable to wait, you can let us know and we will refund you the money for your order.
The sizes of most products are shown in the respective product listing. But pl. feel free to reach out to us if you have any questions, and we can work with you on any sizing related issues.
Bracelets are normally ~7.5 inches on length.
Necklaces are normally ~18 inches and any exceptions
Charms Most main charms are slightly less than an Inch (9/10th on an inch), unless the size is specifically mentioned. The charms could be on bracelets, necklace, earrings, brooches etc. And in cases where there are more than one charms on a jewelry, the other charms could be much smaller to match with the design.
Ring Sizes - Here is a general sizing for rings which is the industry standard.
These are approximate sizes, for accurate sizes pl. contact a professional jeweler:


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Your Shot Photos
Photos submitted by Statewide staff.
Fall is in the Air
Do you have great photographs you would like to share with others?
From vacation photos to your own backyard, the Office of Public Affairs is pleased to bring "Your Shot" to everyone at Statewide.
If you missed the deadline for this issue, send us one and you can have a chance to be featured in our next issue. All submissions should be sent to firstname.lastname@example.com. The� Statewide Voice �is published the last Wednesday of each month.


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Grade: Consultant
Speciality: Respiratory
Location: Fife
Duration: 1 Month
Unite Medical are seeking a: Respiratory Medicine Consultant to cover a 1 month gap with one of our clients based in Fife.
• A full Job plan available upon request.
• Hospital accommodation available at a subsidised cost.
Please note that you would need to have the following to be considered for this position:
• UK Experience as a Consultant in Respiratory Medicine.
• Full GMC Registration (Full Licence to practice)
Other benefits of working with Unite Medical include
• Competitive accommodation and travel packages
• Same day payments
• Revalidation and appraisal services
• Experienced and professional recruitment consultants and a personal service.
Unite Medical are a national medical recruitment and locum agency offering bespoke services to the NHS and Private Sector. We take pride in our vast experience within medical recruitment and our ability to offer a personal service, as well as offering the most reliable and professional service around.
To apply for this position, click on the apply button below. Alternatively, for more information or to enquire about other positions available contact us directly at email@example.com.
01908 921109


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We're seeing more and more adult orthodontic patients these days, and it's not hard to figure out why. Appliances that are barely noticeable have been developed to give adults more discreet choices when it comes to orthodontic treatment. And many adults realize that investing in a smile makeover can have significant benefits, socially and professionally. Straightening teeth can be an important part of that confidence-boosting makeover process.
Healthy teeth can be moved at any age, so there's no such thing as being too old for braces. However, orthodontic treatment for adults is different in two important respects: For one thing, the growth and development of the jaws is complete in adults, so changes in actual jaw structure can't be accomplished with orthodontic appliances in the way they can with a growing child.
Secondly, periodontal (gum) disease is more prevalent in adults than in children. While you are wearing the orthodontic appliances, gentle forces will be applied to your teeth so they can move through their surrounding bone. Periodontal health plays a key role in all of this; if the gum tissues are not healthy during orthodontics, bone loss can result and weaken the long-term prognosis of your teeth. So any gum disease must be brought under control before orthodontic treatment begins. And to maintain your periodontal health, you will need to make sure to have regular professional cleanings during the orthodontics while maintaining good oral hygiene at home.
All orthodontic appliances work essentially the same way: by employing light, constant force to move teeth into proper alignment. But how we apply these forces can vary, as numerous innovations have become available in recent years. Some of the newer, less visible orthodontic appliances have been designed to blend more easily into an adult's personal and professional lifestyle. Types of orthodontic appliances include:
Traditional Metal Braces — This is probably what you think of when you picture someone wearing braces: small metal brackets bonded to the front of the teeth. A thin wire runs through the brackets and is attached on either end to metal bands that go around a back molar.
Clear Braces — Instead of highly noticeable metal brackets, you can have clear ones made of ceramic, plastic or a combination of both. They are hardly visible, except for the thin wire running through, but they are more susceptible to breakage than metal braces.
Clear Aligners — As an alternative to the fixed type of orthodontic appliances mentioned above, clear aligners are removable. They are actually a series of clear plastic "trays" that fit over your teeth exactly. Each tray is part of a series of trays that move your teeth a little bit at a time until they are in the proper position. Your trays are designed with the help of specialized computer software that generates a virtual model of your bite.
Wearing a retainer after orthodontic treatment is crucial, no matter which type of appliance you choose and what age you happen to be. Teeth that are not held in place by a retainer long enough for new supporting bone to develop around them can drift back to their original positions, and that's certainly not something we — or you — want to see happen. We will make sure to instruct you on how to retain your new, more beautiful smile so that it continues to make you look and feel great for years to come.
The Magic of Orthodontics Proper alignment of the teeth is basic to "Smile Design." Their position dictates how they work together and affects the way you look and smile. Only orthodontic treatment can move teeth into the right position. Simply put, when things look right, they probably are right. Learn the basics of smile analysis and design and whether the magic of orthodontics will work for you... Read Article
Orthodontics for the Older Adult Healthy teeth can be moved at any age, so there's no such thing as "too old" for braces. In fact, nowadays about one out of every five orthodontic patients is an adult. Yet this figure represents only a small portion of adults who could actually benefit from orthodontic treatment... Read Article
Clear Orthodontic Aligners Orthodontic treatment using clear aligners consists of a series of aligners that you change about every two weeks over a course of treatment lasting six to eighteen months depending on how much movement is needed... Read Article


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1.These Explanatory Notes have been prepared by the Scottish Government in order to assist the reader of the Act. They do not form part of the Act and have not been endorsed by the Parliament.
2.The Notes should be read in conjunction with the Act. They are not, and are not meant to be, a comprehensive description of the Act. So where a section or schedule, or a part of a section or schedule, does not seem to require any explanation or comment, none is given.


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It's MORNING EDITION from NPR News. I'm Renee Montagne.
With the election settled, Washington, Wall Street and much of the rest world, it seems, are focused on whether Congress and a reelected president can avoid the fiscal cliff. To tell us what's at stake, we turn now to David Wessel. He's the economics editor of The Wall Street Journal and author of "Red Ink," a new primer on the federal budget and the deficit.
And, David, you know the noise about the fiscal cliff began the day of the election and it's getting louder and louder. It's not going to stop. Remind us though once more what the fiscal cliff is.
DAVID WESSEL: Well, unless Congress and President Obama agree to something different, the law - a law that Congress passed and the president signed - requires that spending be cut of across the board, indiscriminately, in all sorts of deficit and domestic programs, and that income and payroll taxes go up for nearly everyone who pays them.
Altogether, the government would withdraw from the economy about $450 billion in the current fiscal year. Now, that would mean turning off the lights and sending all of the government workers home or anything. But the Congressional Budget Office, which keeps track of these things, says that the spending cuts are so deep, the tax increases so sharp, that they'd probably push the U.S. back into recession in the beginning of 2013.
MONTAGNE: So obviously going over the fiscal cliff is something the president and Congress would want to avoid, right?
WESSEL: Yes, I mean nearly all the people in Congress, the leadership, and certainly the president, say they want to avoid going over the fiscal cliff. There are a few who seem to me to be posturing to strengthen their hand at the bargaining position - at the bargaining table by acting tough.
The big gap at the moment is this, President Obama and his allies in Congress say we won the election; we campaigned on raising tax rates for people over $250,000 a year, and so that has to be part of any agreement. The president wants to extend the Bush tax cuts for everyone else, but let taxes go up for the top two percent.
And Republicans like Mitch McConnell, the Republican leader in the Senate, and John Boehner, the Republican leader in the House, are saying, well, that's very nice but we're still here and we count, and we're still against raising those tax rates - especially, they often say, for small businesses.
MONTAGNE: Well, everyone sounded very conciliatory, I mean, in the hours after the election results came in. Now it sounds like we're right back where we were before the election.
WESSEL: No, I don't think we are there yet. Both President Obama and House Speaker John Boehner are being conciliatory. I think they want to be sure that everyone thinks of them as being the reasonable party, going into what's likely to be several weeks of negotiations. If the talks fail, if we go over the cliff, the president wants to say I did everything I could. And the Republicans in Congress want to say the same thing.
Neither of them wants to make the concessions in public, though, before the talks actually start. But Republicans are - at least some of the important ones - do seem to be saying we understand that taxes are going to go up, and probably go up on rich people. But we'd like to do it by closing loopholes, getting rid of tax deductions and credits and exclusions, rather than actually raising the explicit tax rate. But basically we are in the warm-ups here. The game hasn't really begun.
MONTAGNE: Alright, so then what happens next?
WESSEL: Well, last year the president has these secret talks with John Boehner which failed to reduce the deficit compromise, and ended with a lot of finger-pointing and a lot of hard feelings from congressional leaders of both parties who hadn't been involved. So this year's drama involves all the same players, despite the election, and each player is trying to avoid making the exact same mistakes they made last year.
Mr. Boehner, reportedly, is explaining the political realities to his caucus, reminding them, in case they hadn't noticed, that Barack Obama was reelected, Mitt Romney didn't win. And in contrast to last year's very hush-hush talks, Mr. Obama has gone public with what his basic headline is, as he did in his radio address over the weekend.
PRESIDENT BARACK OBAMA: If we're serious about reducing the deficit we have the combine spending cuts with revenue. And that means asking the wealthiest Americans to pay a little more in taxes.
WESSEL: So you're going to hear that, over and over again, from the president. This week, he's meeting with labor leaders and chief executives of big companies. He's holding a press conference on Wednesday. And he's invited the bipartisan congressional leadership to meet with him at the White House on Friday, before the president goes off for a few days in Thailand, Cambodia and Burma on a trip.
Meanwhile, all the outside groups are stepping up their public pressure. Some on the left are agitating to avoid the grand bargain because they don't want cuts in benefits. Some on the right are agitating to avoid a grand bargain because they don't want increase in taxes. And others, including some big company CEOs are kind of beginning to shout to the Congress and the President, my gosh, we can't go over the cliff.
This is the time to fix the deficit. They're going to be running ads and you're going to be hearing a lot from them, as well.
MONTAGNE: David, can you tell us in a few seconds what the chances are of this actually working?
WESSEL: Well, the betting on Wall Street is pretty simple. Sixty percent chance that they get a deal and don't go over the cliff, but don't fix the deficit. Twenty percent chance that they go over the cliff, and 20 percent chance for this big, big grand bargain that avoids the cliff and actually makes a dent in the deficit.
MONTAGNE: David, pleasure talking to you again.
WESSEL: You're welcome.
MONTAGNE: David Wessel, economics editor of The Wall Street Journal. Transcript provided by NPR, Copyright NPR.


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Page content
Historic Area Overview
The Historic Area of Colonial Williamsburg stretches over 301 acres, and includes 88 original 18th-century structures. Hundreds of houses, shops and public outbuildings are reconstructed on their original foundations. Some buildings are open to the public, while others are private residences and administrative offices. Learn more about the restoration of Colonial Williamsburg.
The church, the tavern, the market, the theater; these are the places where early Viginians met their neighbors and exchanged all manner of currency. You can gather there, too, and listen to the echoes of 18th-century life.
Family Homes
Nose through the homes of the elite gentry class and everyday middling sort. Period furnishings and knowledgeable costumed interpreters let history surround you in three dimensions. See where Virginia's first signer of the Declaration of Independence, George Wythe, slept. Experience the connection between life and land at Great Hopes Plantation. Walk the rooms where middling gaolkeeper Peter Pelham and his family spent their days.
Mere brick and mortar contained the combustion of ideas that were catalyst to the American Revolution. The opulent Governor's Palace was the embodiment of British order in the colonies. The Capitol was witness to the vote for America's move to independence. The Raleigh Tavern's neutral setting encouraged free debate. The Magazine held the colony's guns and ammunition, standing as a literal symbol of self-reliance.
Modern Places
Modern amusements are echoes of colonial ones. Follow in the footsteps of early patriots to dine, see a show, or browse shops. Explore these modern places and find timeless pleasures in a historic setting.
Historic Trades
Practicing tradesmen make Colonial Williamsburg's Historic Area a living town, ringing with clanging hammers and tinged with the smoke of industry. Visit the blacksmith, see what the milliner is working on, smell what's cooking in the kitchens, and more. Eighteen trades are practiced with 18th-century methods and tools.
Plants and blooms authentic to Virginia in the 18th century unfurl with the seasons in Historic Area gardens. Take a walking tour of gardens both decorative and functional, or stroll at your own pace to see what's blooming.
Tour the Town
An interactive tour of the Colonial Williamsburg experience. Use Tour the Town to explore the Historic Area and Colonial Williamsburg's properties.


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Donating Art: Taxation Abstraction
The varied reasons to donate art include a personal affinity for a museum, the desire to create a legacy, and the tax consideration that may come with the donation.
The tax rules surrounding the tax deduction of art are complex and confusing.¹
When donating art, donors can generally claim a federal tax deduction of up to 30% of their adjusted gross income each year. If the value of the donation exceeds this 30% limit, the excess can be deducted in subsequent years—up to five years—subject to the 30% limit in each year.²
The deduction may be based on the appraised value of the donated artwork if the recipient qualifies as a public tax-exempt organization, which is generally defined as an institution that receives at least a third of its financial support from the public. Museums, schools, hospitals, and churches are examples of a public tax-exempt organization.
If you are donating art to a private tax-exempt organization, e.g., a private foundation, your deduction will be based on the price you paid for the donated art.
Even if you are donating art to a public tax-exempt organization, a deduction based on the appraised value requires that the donation be related to the recipient's mission—a requirement not likely met by organizations other than museums. A failure to meet that test results in a deduction based on the purchase price.
Even if your donation passes the test, potential land mines remain.
If the recipient sells the donated art within three years, the allowable deduction will revert to the purchase price instead of the appraised value, leaving you with a potential exposure to back taxes. Since you are able to negotiate the terms of your gift, you may want to secure a promise not to sell the art within three years of its donation.
The Internal Revenue Service may choose to challenge your appraisal with its own to ensure against inflated appraisals. Penalties can be stiff, so you should make sure your appraiser has facts, such as comparable sales, to back up his or her appraisal.
- The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation.
- This is a hypothetical example used for illustrative purposes only. It is not representative of any specific art donation.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright 2019 FMG Suite.


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Multiquip genuine OEM o ring p-12 mrv-14 replacement part.
IMPORTANT NOTE ABOUT RETURNS: Multiquip does not waive restocking fees on returned parts. Any returns require a restocking fee per Multiquip policy. It is imperative that you confirm part fitment before ordering or you'll be subject to Multiquip's restocking fee, even if you reorder the correct part.
- Multiquip 050200120
- Part fitment may include Essick, Mikasa, MQ Power, STOW, RAMMAX, or Whiteman
- Factory genuine Multiquip part


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Around the Web: A Month in Summary
A recent article posted by The National Law Review entitled "Thinking of Selling? Start Early, Build Your Team" explains the importance of putting together a good team of trusted advisors well in advance of selling your business. Your team should include an attorney, accountant, investment banker, and wealth manager. This team will help you with various aspects of selling your business such as:
- Setting a realistic valuation on the business
- Finding potential buyers
- Handling due diligence and information requests from buyers
- Structuring a transaction for tax & liability protection
- Dealing with the sale proceeds and making sure your goals are met
It is a good idea to put this team together as soon as possible if you're thinking of selling, so everyone has time to prepare. There are so many aspects to a business sale and it is essential to have an experienced team of professionals to guide you in the process.
Click here to read the full article.
A recent article from The San Angelo Standard-Times entitled "Business tips: Don't neglect due diligence when buying a business" emphasizes the important of due diligence when buying a business, which consists of looking into and understanding the important aspects and fine details of the business before closing.
The first aspect to consider is if the business is right for you and your personal circumstances. Taking over a new business will require some help from the previous owner who has knowledge of the business and the industry. You will also want to take into account how many hours are needed, if the job will involve a lot of physical work, and if your family supports you in the purchase of this type of business.
Reviewing and analyzing the seller's numbers and documents is also a huge part of due diligence. Consider using the help of a CPA, consultant or business broker to go over the financials of the business. You will also want to look into things such as if there are any claims on the business or if the business owes back taxes. Doing your due diligence now will ensure that there are no surprises later on in the process.
Click here to read the full article.
A recent article posted by the Smart Business Network entitled "Planning an exit when a succession plan isn't an option" explains that selling your business should be part of your exit strategy when creating a succession plan is not an option. To prepare a business for sale, the business owner should recognize the strengths of the business which would appeal to potential buyers and should also have a good understanding of the business' financials.
Business owners may also want to work with a bank that is experienced in exit planning. The bank can assist with providing insight into how buyers will view their business and what obstacles may occur while a buyer is trying to finance the acquisition. Banks will also be able to work with the buyer in assisting them with financing.
It's important for a business owner to work with experienced professionals who have worked with sales, acquisitions and exit strategies to help them prepare for a business sale.
Click here to read the full article.
A recent article posted by Business.com entitled "Why It's Prime Time to Buy a Business from a Retiring Baby Boomer" gives several good reasons why it is a good idea to consider purchasing an existing business, as a flood of baby boomers will be looking to sell their businesses and retire over the next decade.
There are many benefits to purchasing an existing business:
- Minimal upfront costs and you not only purchase the business but also the brand, customer-base, management policies and more.
- Low risk because the business is already established and has a proven track record.
- Steady cash flow along with employees and equipment.
With the generation of baby boomers looking to sell, there will be ample opportunities available for buyers. It's important to stay in the loop and keep an eye out on available businesses by staying connected to your professional network, brushing up on local & industry publications, looking at online marketplaces, and working with a business broker.
Click here to read the full article.
A recent article written by Live Oak Bank entitled "6 Business Acquisition Tips from SBA Loan Experts" outlines six factors that lenders review for loans financing mergers and acquisitions.
- Stable or Positive Trend – Not only a positive trend but stability in these trends are what lenders look at to make sure that any recent growth or improvement is sustainable. A decrease in revenue is a red flag and a negative trend should be stabilized or reversed.
- Business Plan – Buyers need to have a business and transition plan for the business they are acquiring so lenders can see they have a good understanding of the business and plans for improvement.
- Key Employees – Lenders like to see that key employees will stay on with the new owner, which helps lower the risk and make the transition easier.
- Seller Transition Period – Make sure you have a transition plan in place where the seller is able to help train and assist the new owner.
- Seller Financing – The seller financing a portion of the deal shows the lender that they are confident in the new owner and lowers the risk factors.
- Working Capital – M&A lenders will review the financials of the business to see what working capital is needed. The buyer should demonstrate a clear understanding of how much and what type of working capital is needed for the business transition.
Click here to read the full article.
Copyright: Business Brokerage Press, Inc.


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Another profile facelift! My tastes have changed a lot from when I first discovered loose leaf tea.
I can trace my tea journey back to October 2012, when I discovered DavidsTea. Before that, I had the occasional cup and enjoyed high tea at An Afternoon to Remember, which has since closed.
I went through a period of wanting to try all the teas, and was really into flavored teas, especially dessert blacks, but my tastes have substantially changed over time.
I still enjoy the occasional flavored black or rooibos, but I'm more into unflavored black teas right now and recently, puerh. Chinese black teas are amazing…with their notes of chocolate or sweet potato, who needs a flavored tea? I had a much steeper learning curve when it came to puerh. I used to dump out cups of puerh for tasting like leather. Now, I am really enjoying them. I think it took finding good quality puerh and steeping them gong fu style to really enjoy them.
I also, on occasion, enjoy a good oolong, white, or green tea.
Favorite tea companies right now include: Mandala, Teavivre, Butiki, Golden Moon, Lupicia, and DavidsTea (for teaware mostly).
Just a note: I don't rate my teas numerically because my iPad doesn't like the scroll bar. Maybe someday that will change…hint hint, steepster! ;)
P.S. My profile picture is of one of my 2 cats, Holly, who is a little princess but very photogenic, and she loves boxes, including those that bring me tea! :)
San Francisco Bay Area


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