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If you have an Australian business number (ABN), are registered for the GST and can produce a valid tax invoice, you are eligible to participate in the scheme. No registration to the TRS is required.
A TRS sale is the same as a normal sale. However, your customers will need an original tax invoice.
To be eligible to claim under the TRS, invoices must total $300 (GST inclusive) or more from a single ABN, and may be made up of multiple purchases on multiple days provided each purchase is made within 60 days of the customer's departure from Australia.
If passengers buy lower-priced goods from your store on different days within the 60-day period, they might ask you to consolidate their invoices. To help facilitate the passenger's TRS claim and reduce their time queuing, consolidation of tax invoices by retailers is appreciated.
The tax invoice is necessary for travellers as evidence of the date and price of the purchase. It should also contain your ABN, a description of the goods supplied and the GST amount. Tax invoices for purchases of AUD 1000 or more must contain the identity of the purchaser.
More information on tax invoices is available by contacting the Australian Taxation Office.


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During the first day of the shooting of the movie Kites, the writer and director Anurag Basu explained a scene to Barbara Mori, the Mexican TV and movie star. She listened to him for a few minutes, and then politely requested him to repeat it in English.
"Guess what? I was speaking to her in English all the time," the self-effacing Basu says, laughing loudly and his hands flying wildly. "I knew then she was not getting my English,."
So he practiced using his hands to drive a point or two.
His wife has been asking him for months why he is making so many gestures, he continues as he chats with a few journalists at a press conference for the film in New York. "She thinks I am into sign language."
Basu was apparently having no trouble with his English when he went buying street food in New York which he was visiting for the first time. The hotel suite he has been staying in New York would easily cost $350 but for about $8 he has been enjoying delightful street food at almost every meal.
"I wonder if there is any city where you get street food from so many countries," he muses as he chats with a reporter after the round table conference. He is amazed at the variety: Arab chicken, Turkish kebabs, the freshest falafel sold by Israeli and Palestinian vendors, biryanis, and empanadas inspired by Argentinean cuisine.
"There are many times I long for simple but tasty food," he adds. Like in his films, he says he wants to see a core of honesty in any preparation.
The honesty factor was very important to him he says as he segued from Life in Metro into Kites. The former hardly cost $1 million while the latter has reportedly cost about $15 million.
"I told myself that I should not be carried away by the opulence," he says. "Just because I had a lot of money at my disposal did not mean that I was going to blow it up."
His films including Gangster have characters that are complex. There are shades of white, black and grey in them.
He assures that Kites is not just a big budget escapist film. It has its own complexities, he asserts.
The project started with producer Rakesh Roshan asking Basu, after seeing the latter's Gangster, if he has any project for his son Hritik Roshan.
As he was chatting with Roshan, Basu asked him what films he was working on. Roshan had begun working on the script for Kites. It suddenly struck Roshan that Basu could direct the film.
But Basu said he could not take up the offer. For he was used to making low budget films. Rakesh Roshan who had given him a 15 minutes narration about Kites asked Basu not to close his mind. Could he come and see Roshan after a few days?
Over a week passed, there was no sign of Basu, Roshan recollects. He thought the film maker had got fold feet. Nearly a month later, he turned up, though. He began the narration; he was telling the same story Roshan had told him but he was taking more time.
"In fact, he took 45 minutes," Roshan says chuckling. "He had worked on what I had told him, added plotlines and plot twists to it. He had created his own story and screenplay."
Roshan felt very assured that his project was in right hands.
Shooting the film in New Mexico, Arizona and India called for intricate and thorough planning.
Basu says language problem with Mori was not just the problem he had with his stars. Hrithik had injured his knee before the shooting started.
Yet he insisted on doing many of the difficult stunts by himself, Basu says. After every scene was shot, Basu would ask about the knee. Hrithik must have thought Basu was the kindest director on earth. "But little did he know I would not remember, after the shooting was over anything about his knee,' Basu says with a hearty chuckle.
Even before the shooting was completed, Roshans and Basu felt that the film had the potential of reaching a wider and non-South Asian audience. The idea of an international and shorter edition started taking shape.
Basu confesses initially he did not react favourably when he heard that Brett Ratner, one of Hollywood's best-known producers and directors, had been requested to prepare the international version.
"I could not believe how anyone could cut a minute from my film but he cut 30 minutes and he did a great job," Basu adds.
What does Basu think of his own version?
"My previous films including Murder looked better on paper," he asserts. "In the case of Kites the film looks better than what was on the paper."
Within minutes of the press conference, Basu walked out of the Four Season's hotel and wandered into Borders bookstore.
He hardly leaves a town or city without visiting a bookstore, he confesses but he also admits he finds big bookshops too neat. "I like the old fashioned bookshops,' he adds.
A journalist tells him of a big bookshop in New York which boasts of its 8-mile long books. And yet it has an old fashioned look and a bit of musty smell. Basu had of course heard of Strand, he says. He was expecting a cousin from Boston to visit him that evening. "I would like to spend couple of hours there,' he continues.
Are there any good street food stands around the Strand, he wants to know.
Image: Anurag Basu (right) with Rakesh Roshan and Pinky at the New York premiere of Kites.
Photograph: Paresh Gandhi


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"The entrepreneurial spirit will survive if we pass on the attributes and advantages of being a true entrepreneur." A founding member of the Society of Entrepreneurs, Huey Holden fully understands the importance of entrepreneurship and believes in showing the way to those who are just beginning to follow their dreams. Huey Holden co-founded the American Soap Co. in Olive Branch in 1976. It became the nation's largest private label manufacturer of specialty soap for the lodging industry. He sold the business in 1989 but remained as a consultant until 1993. Then he founded Aqua Lyte Corp. of Texas, a bottled water manufacturer and marketing company before accepting a position as Executive Director of the Memphis Botanical Gardens. Huey served in this position from 1997 to 2000, and he is widely recognized for the improvements he made in the gardens and throughout the organization.
Huey Holden's civic involvements include the Germantown Rotary, St. Mary's Episcopal School, and others.
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Founding Member
"'Due to major changes in today's work force, many employees of large corporations are finding themselves unemployed. They are becoming our entrepreneurs of today. Entrepreneurship is on the rise. We should provide support to this movement with all of our resources. The creative thinkers of today will have to differentiate his or her product or service from others to succeed. The entrepreneurial spirit will survive if we pass on the attributes and advantages of being a true entrepreneur."
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Posted: 3 years ago
Everything follows the cause-effect relationship, as per the scientism. There is no universal law or force as per the same religion. Contradiction.
Scientismists, provide us with explanations, theories.., for what may have happened.
Only one event, one that actually did happen, can explain all the aspects of the story.
Theory of evolution has yet to explain at what point a bundle of cells in the oceans did split into two genders, why some animals are beautifully colored, and how the carnivorous organisms got themselves upgraded with special abilities overnight.
Now, in the case of an animal having particular color scheme, of course there is a reason for it. The beauty of nature is that it's not just beautiful, it functions beautifully too.
Artificial intelligence is the result of human intelligence, right?
And if our ears are a result of evolutionary process, how can we enjoy music? There are no formulas, codes.. to create new music. So yes, music is irrational.. and we do derive pleasure with tunes in our lives.
We can't write the exact value of golden ratio on a piece of paper but nature uses it.
.. say necessity is the mother of invention (and mutation), then, what is the cause of necessity itself.
'everything does not fit in a frame of limited size, and yet scientism believes it does '
- forts
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Posted: 3 years ago
At 3/27/2016 12:00:49 PM, forbiddenforts wrote:
It isn't. Overpopulation of humans is unexplainable by TOE.
'everything does not fit in a frame of limited size, and yet scientism believes it does '
(This is not a goodbye message. I may or may not come back after ten years.)


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I had a conversation with my mom recently
she told me when I was just a baby
I was good, I don't cry a lot
I play by myself, I don't disturb people
like other babies do
but mom was worried
she said babies aren't supposed to be like that
abnormal, that was her exact word.
Now I know
this being alone in a room attitude of me
was in me since, maybe since birth
mom confirmed it.
Attachment is one thing I hardly get.
Going out and spending time alone
I am used to that
in fact I love being alone.
However sometimes
being alone does make me feel lonely
especially a PLU guy like me.
To speak my heart out
it is already a tough thing to do
but I do want someone to listen to my problems
thought that I wanted to say.
Yes I have this blog
it consoles me
I poured some things I couldn't say in reality
into writings.
I need a breathing human
to give feedback
to say it's okay
or anything
and have a long talk.
Though how much I like being alone
the feeling of forever alone
it won't go away just yet.


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au Comptoir Numérique 7, Place Maréchal Foch 42000 Saint-Étienne
Develop a project or specific task in a given time by integrating travel and collaborative consumption as an integral component of the project or task in question.
This concept targets the following groups:
-Nomadic workers
(teleworkers, co-workers, sales and marketing professionals, digital community facilitators, journalists, designers, etc.)
- Associative employees and volunteers (projects, events, road maps, (re)defining associative projects)
(project leaders, project coordinators, service directors, etc.)
(consumers, job seekers, artists, musicians, etc.)
-Elected representatives
(working groups, standing committees, preparation of proceedings, etc.)
It can be carried through:
-Independently: individual
-In a grouping: collective
-In a group: structure
Work and play have never really gone together, yet nothing is more sustainable than acting willingly rather than by obligation. The idea is to complete a task in a given amount of time (project) by teleworking from "third places," which through their unique and specific characteristics add creativity and originality to the final product. It is based on existing and emerging concepts such as:
-Coworking: teleworking…but more,
-Slow Tourism: travel and encounters are part of work and the project,
-Collaborative Consumption: do better, with less, be free and sustainable!
The more a person feels isolated and overwhelmed, the less productive and creative their work will be. The idea of having and encouraging trust in a project rather than in a time sheet is, without a doubt, one of the major social benefits of this concept. The "inevitable" approach of collaborative modes of consumption is a key element of this concept: real encounters, real exchanges of ideas, real discoveries, and real savings (as well).
Unlimited! There is still work to be done, a budget needed to cover costs—and bridges to build.
-The neighbour's washing machine
-Solidarity grocery stores
-Slow and Eco Tourism
The fact of having done it myself—but without planning to. I would like to explore this approach further and better document it through storytelling, articles, audio, video, photos, etc. I would like to share my experiences such as, 2 years of coworking, 6 months of CouchSurfing, in the hopes of encouraging others to have these experiences through compelling arguments rather than theoretical ones.
-Funding in person-hours: my employer as an employee, my client as a freelancer, no one as a volunteer
-Funding for travel: by a business' training budget or in a contract for the provision of services (travel expenses)
-Funding for Coworking: by a business' training budget or by the expense account for a particular project or assignment
-Financing related to collaborative consumption: offering a daily budget for hotel and restaurant expenses.
For projects considered more "exploratory than productive," I think that solidarity financing solutions could be complimentary to private financing (Ulule, Babeldoor, etc.)


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Harrison and Sean take on guests as our Nerd League Soccer friend, Justin and ASA writer Kareem Williams join us this week.
Kareem runs us back through his Sloan Sports Analytics Conference experience. He gets to do some name dropping of his own with the pre-party and gives props to Soccermetrics' Howard Hamilton. He also provides some perspective on the soccer panel.
After that round-up is complete Justin, Sean and Harrison dive into week two results and gap about oddities of DC United, disappointments with the Sounders shot generation and of course we hate on San Jose.
Visit americansocceranalysis.com for more analytically based content. You can follow ASA (@analysisevolved), our friend, Kareem Williams (@kareemw9 ), Harrison Crow (@harrison_crow) and Sean Steffen (@seansteffen) on twitter and find us on facebook. Justin is our friend but gets no shout out since he lives his life anonymously.


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"The first time you share tea with a Balti, you are a stranger. The second time you take tea, you are an honored guest. The third time you share a cup of tea, you become family…" How beautiful and timeless. The above quote is a Balti proverb and it is also in the book Three Cups of Tea. What is it about tea that gives it transcendent properties? Tea has taken on a noticeable presence in the United States recently, but what have other cultures known for centuries that we are only beginning to tap into?
Tea has been known to be called, "liquid wisdom," and perhaps that is because of the amazing benefits it has on the mind, body, and soul. Of course, not all teas are created equal, so you need to be crafty consumer and do your homework first.
But first, let's talk about why tea may be a wonderful replacement to coffee. While coffee has been shown to have some health benefits, they are often overshadowed by the caffeine addiction that comes along with drinking it. The caffeine in coffee is absorbed into the blood stream quickly and can cause you to feel jumpy and shaky, I think many of us know the feeling! Coffee is also acidic and causes dehydration… what do you think was happening during all those trips to the bathroom?! To quote one of my favorite authors, Kris Carr, in her book Crazy Sexy Diet, "It's kinda obvious that this stuff isn't good for you. The fact that you get the jitters when you drink it, and migraines when you don't should tell you something… You are sharp enough. Your natural, holy state is more than enough. You just think you need that extra boost. But your body knows exactly how to create it naturally." And it's so true! You just need to focus on bringing your body back into a state of health. We can talk more about that in another post!
Tea brings you numerous health benefits without the problem of caffeine addiction. While most teas do contain some caffeine, it is significantly less than coffee. I have found a list of the top ten benefits of tea that I would love to share with you!
1. Fights Cancer
2. Fights Heart Disease
3. Lowers Cholesterol
4. Burns Fat
5. Prevents Diabetes
6. Prevents Stroke
7. Staves off Dementia
8. Improves Heart Health
9. Relieves Stress Tea should be taken in solitude. ~C.S. Lewis
10. Improves Digestion (1 & 2)
Alright, so now that you have some information on why tea is fabulous for you, let's talk about which type is the best choice. White and Green Tea have the most health benefits because they have undergone the least amount of processing. White tea leaves are actually picked before the buds even open and are covered in fine white hairs. White tea has the least amount of caffeine with only 15mg, and green tea only has about 20mg. White tea tends to be a little more expensive, but it also has a less grassy taste than green tea. White tea is light, sweet, and absolutely delicious in my opinion!
Ok, so in addition to health benefits and knowing which teas are the best for you, what else makes tea so special? Tea happens to play a significant role in many cultures around the world, specifically in the East, and it has been around since 2700 B.C. Tea is used commonly as a way to greet guests, newcomers, and friends. An appreciation for tea culture can help you get past language or cultural barriers when traveling abroad. And after water, tea is the most widely-consumed beverage in the world.(2)
You may be wondering if I have been drinking tea while writing this blog… of course! The tea I am drinking right now is called Pomegranate White Tea and I bought it at my local Trader's Joe's grocery shop. It is probably the best tea I have ever had and I just can't get enough of it! You should definitely give it a try if you are looking for a new tea to taste!
"If you are cold, tea will warm you. If you are too heated,
it will cool you. If you are depressed, it will cheer you.
If you are excited, it will calm you." – Gladstone
fear less.
1. WebMd: http://www.webmd.com/food-recipes/features/health-benefits-of-green-tea
2. Tea Views: http://www.teaviews.com/2009/03/24/10-reasons-why-tea-is-better-than-coffee/


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Smart Choices in Smoke Alarm Placement
Home is where most people feel the safest – but it's also where you are most likely to experience a fatal fire. According to the National Fire Protection Association (NFPA), 85 percent of all fire fatalities – close to 2,650 people annually – occur in a home. Many of these deaths may have been prevented; most fire fatalities happen in the 29 percent of homes that either have inoperable smoke alarms, or no alarms, the NFPA noted.
While three-fourths of U.S. homes have at least one working alarm, the question remains as to whether they have enough alarms. Model code NFPA 72 requires newly constructed homes to have hardwired, interconnected smoke alarms on each floor, in hallways and inside of all sleeping areas. But more than 84 million homes – most built prior to 1993 – only have isolated battery- or electric-powered smoke alarms. Millions more do not have an alarm inside of bedrooms. Simply put, residents without a sufficient number of working smoke alarms are under protected and therefore at increased risk.
Recent studies identify that based on construction features and contents, families may have less than three minutes from the time the first smoke alarm sounds to escape a fire (National Institute of Standards and Technology). The sooner an alarm is heard, the more time there is to respond.
Because you can't predict what type of fire will start in a home, it is important that both smoldering and flaming fires are detected as quickly as possible. Therefore, both photoelectric and ionization technology – either in a mix of single technology alarms or a combination alarm -- is optimal. However, the most important thing is to ensure that there are working UL-listed smoke alarms on every floor of the home, in hallways, in living areas, inside bedrooms and outside of sleeping areas.
The Bedroom:
- More than half (55%) of all home fire fatalities occur in the bedroom. (USFA)
- More than a third (35%) of the victims were asleep at the time of the fire.
- Half of all home fire fatalities occur between the hours of 10 p.m. and 6 a.m., when most people are asleep. (NFPA)
- Since it is recommended to sleep with bedroom doors closed to assist in limiting the spread of a fire, it is important to place alarms within each bedroom as the shut door can cut the decibel level of an alarm outside of the room nearly in half – from 85 db to 46 db. (CPSC)
- Cooking is the leading cause of home fires and injuries in the United States, and the third leading cause of home fire deaths. (NFPA)
- 41% of reported home fires start in the kitchen, resulting in 15% of home fire deaths. (NFPA)
- Install smoke alarms at least 20 feet from cooking appliances to prevent nuisance alarms. Also ensure the alarm has a hush button, which will temporarily halt the alarm during a nonemergency.
- Because sleeping areas are often located furthest from the exits of a house, it is important that smoke alarms be installed in the hallways and on all exit routes from bedrooms.
- Install smoke alarms on the hallway ceiling outside of sleeping areas.
Living Area:
- Although only 4% of home fires start in the living room, family room, or den, these fires cause 24% of deaths. (NFPA)
- After the bedroom, most smoking-related fires occur in the living room. (NFPA)
- Typically, abandoned or carelessly discarded smoking materials ignite trash, bedding or upholstery.
Alarm Installation Tips:
- Install at least one smoke alarm on each level or story of a multi-story dwelling, inside and outside of sleeping areas, in hallways, and living/kitchen areas.
- Since smoke travels up, smoke alarms should be installed on the ceiling or high on a wall. Mount on the ceiling as close to the center as possible and at least four inches away from the wall.
- Install alarms 20 feet away from "sources of combustion particles" (stoves, furnace, water heater, etc.) that could cause nuisance alarms, such as in the kitchen.
- Install 10 feet away from bathrooms or other damp, humid areas. The steam can often set off nuisance alarms.
- Do not install in areas where the temperature is below 40 or higher than 100 degrees Fahrenheit, such as an attic. Colder or warmer temperatures might set off false alarms and shorten the life of the alarm's battery.
- The living area smoke alarm should be installed in the living room and/or near the stairway leading to the upper level. The alarm should not be located in the stairway.
- Smoke alarms should be placed in finished attics; the attic area smoke alarm should be located in the attic near the stairway from the floor below. (NFPA)
- The basement smoke alarm should be installed in the basement, within 10 feet of the stairway. The alarm should not be located in the stairway. (NFPA)
- If installed on an open joists ceiling, the alarm should be placed on the bottom of the joists. (NFPA)
- If a hallway is more than 30 feet long, install a unit at each end. Smoke alarms should also be placed at the top of the first-to-second floor stairway, and at the bottom of the basement stairway. (Kidde recommendation)
- Do not install in dusty, dirty or greasy areas – or near air vents, ceiling fans or other drafty areas (drafts can blow the smoke away from the smoke alarm, preventing the alarm from sounding).
- Most importantly, install alarms according to manufacturer's instructions in the owner's manual.
Always remember: Smoke alarms do not last forever. Replace smoke alarms in accordance with the manufacturer's recommendations or at least every 10 years. Additionally, test smoke alarms monthly.
Developed in conjunction with


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RK Doors
After an initial long phone call late one Friday evening, RK Doors called back several weeks later to ask us to put together a design proposal to promote the launch of a range of high-end doors. The stand needed to be used at several consumer exhibitions.
The exhibition stand needed to be flexible, easily adapted and also reflect the extremely high quality of the products.
What We Did…
An important aspect of the brief was the ability to be able to re-use and re-configure the exhibition stand at future shows.
Arcade Design created a concept using a series of re-sizable archways along with sectional soffits and fascia along with simple but striking red LED detailing and a bright interior to encourage visitors to enter into the stand area.
After an initial corner site layout at the Home Building and Renovating Show, the stand has steadily developed and enlarged to a large island exhibition stand at Grand Designs London


text:
Vermont White Glazed Door
35mm engineered non-fire rated internal white glazed door with two vertical clear glazed vision panels. Supplied white primed ready for on-site finishing. Available in standard imperial sizes with 10 years manufacturing guarantee.
Contemporary, clean and simple lines allow for an elegant and stylish doors which are available in a range of sizes including matching design solid non-fire doors - range called Maine White.
- Construction:Flush Semi Solid Core with Panels
- Colour:White
- Glazing:Clear Glass
- Finish:Primed White (2 coats)
- Thickness:35mm
- Fire rating:Non-Fire
- Availability:4-6 working days
Our Guarantee
All standard doors and frames are delivered within 4-6 working days to mainland UK. Ironmongery is delivered in 1-2 days from order.
Subject to stock availability. Terms and Conditions apply.
More information about deliveries
Free 30 days Money Back Guarantee on orders up to £2,500.00
Copyright © 2017 Modern Doors Ltd


text:
|Pool Table With The Wall Mural Of The Somerset East Springbokke
In the old Victorian Somerset East Hotel situated in the small Karroo town of the same name, which was founded by Lord Charles Somerset in 1825, you will find a room with a pool table standing on dark, polished Meranti floors, some dart boards, a Bamboo lounge suite covered with blankets - and a wall mural of the "Somerset Springbokke". Figure that!
|The view across the street from the Hotel's Beer Garden to the Boschberg Mountains
The owner of the hotel, who relocated from Cape Town to Somerset East a couple of years ago, to bring the calm and the peace of the Karroo into his and his family's life said the mural was already there, when he bought the hotel.
How can you not find peace and tranquility, if you own a Victorian hotel in a quaint, serene little town that's as famous for the natural beauty as it is for its many beautiful provincial heritage sites, situated at the foot of the Boschberg Mountains.
|The Somerset - Oos Wall Mural Of The Springbokke
The story goes, that an artist passing through Somerset East offered to paint a mural for the pool room and for the adjoining bar in exchange for accommodation and food for a week.
|The Springbokke in all their pride
It was done deal and so the "Somerset East Springbokke" wall mural saw the light of the day!
|and glory......
After finishing the Springbokke mural, the unknown artist dedicated more of his time to the large bar walls and the landscapes he painted on all the bar walls are full of African magic. They are so nice, that they deserve a special post, which I will deliver shortly.
|The Springbokke Eternalised On The Walls Of The Pool Room Of The Somerset East Hotel
Apart from the wall mural the hotel kitchen offered mighty portions of Fish and Chips with salad and onions rings, that were served in the small beer garden overlooking the main street and the forested, mountainous backdrop creating a dramatic setting for the town.
Most of the provincial heritage sites in Somerset East are all buildings and even though the bar of the Somerset Hotel is not counted amongst them, we think by its impressive appearance it belongs in-officially to the same category!
|A Decent South African Karroo Bar
|The Somerset East Hotel Bar- Equipped And Decorated As It Should Be In True South African Style
|The Somerset East Hotel
|With upstairs balconies, flags and lots of room
|The Owner Of The Somerset East Hotel Has Found Peace In Somerset East


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Alex Hilkey is the new Marketing Director at Market House Theatre. She is a local gal who grew up in Lyon County. Her dog Georgia Peaches is her first love, followed closely by her boyfriend James - and she plays the French horn! iMeet this lovely lady who's heart is in the arts.
Welcome to iMeet, Alex. Tell us about yourself...
I was actually born in Naples, Florida and when I was six months old, my parents decided to move to Indiana to be close to family. We lived in Indiana for a couple years before we finally moved to Kuttawa, Kentucky which is where I grew up.
I went to Lyon County Elementary, Middle, and High School. I played a couple of sports when I was younger, but ultimately I was in band.
What instrument do you play?
I played French horn (still do) and was Drum Major my junior and senior year. I loved everything about band and I hate the negative connotation that comes with being "a band kid." To all those in school right now that are in band, or art, or drama - keep going after it because your talent is such a gift and so important! Other than French horn, I can also play guitar and sing as well.
Where did you go to college?
After I graduated high school, I went to Murray State University and started out as a Music Business major. At that time, the Music Business curriculum was still developing, so I ended up changing to Music Education.
I studied French horn for almost two years before I decided to completely change my mind and I joined the Journalism and Mass Communications Department with a major in Public Relations and minors in Advertising and Music.
Sounds like you had a varied and interesting childhood - what was your favorite memory?
I think my favorite part of my childhood would be my family vacations and all the traveling that we did. My dad's family lived around eight hours away and we would travel up there a couple times a year. We are also a Disney family! I believe I've been to Disney World about six or seven times - maybe more, and I can't remember because I was too small. My parents really valued experiences over things and we had some of the best experiences.
Tell us about your family...
I self-title myself a #crazydogmom. When I was a senior in undergraduate school, I moved into an apartment that allowed pets. I had visited the shelter a couple of times but I just wasn't quite ready to commit. But one day I saw a girl posting on Facebook about some puppies that she needed to get rid of - I couldn't exactly tell what the situation was, but my heart strings just knew that I could make one of those puppies have a better life.
The location of these dogs were out in the "middle of nowhere",Tennessee and when I got there, there were two little puppies left. As much as it broke my heart, I knew I couldn't handle two dogs; I could only take one. I walked up the little waggling butts and knelt down, and both were kind of scared, also kind of excited.
One of the puppies decided I wasn't cool enough and ran away from me, but the other little sweet girl, with the biggest ears you've ever seen on a puppy, waddled right up to me and licked my nose. And that was it.
She came home with me and we've been inseparable ever since. Her name is Georgia, more affectionately known as Georgia Peaches, or Georgianna when she's in trouble… she knows the difference. I've had her for a little over two years and she's brought me so much joy. Anyone who knows me knows that I love my dog first… everything else comes after that.
I have two wonderful parents: Kevin and Kathy and my big sister, Dani. I love my family more than anything! My boyfriend's name is James and we do just about everything together - I wouldn't want to co-dog-parent with anyone else!
You have recently been hired at MHT. Tell us about your new job…
I am the Marketing Director for Market House Theatre. What makes MHT so great is that every employee gets to wear so many hats and really take ownership of the work that we do. So, at the Theatre I am responsible for all aspects of marketing, advertising, public relations and brand management.
The bulk of my responsibilities comes down to designing all of the show artwork and publicity materials - ads, posters, billboards, etc. I am also responsible for all photography that needs to happen for the theatre - whether it's show photos, publicity photos, headshots, I'm the one behind the camera. I also manage all of MHT's social media outlets and really take charge of the social presence. Whew, that sounds like a lot doesn't it!
In this position I am able to do work that I love in an industry that I love - the arts. It's an honor to be a part of their devotion to arts education - and I get to all of the design and publicity work that I love.
Where did you work before MHT?
I started my career working at an agriculture tech company out of Murray doing marketing and graphic design. It was a challenging, yet rewarding time where I was able to learn a lot about design, practice my skills and gain on-the-job experience while I was still in school. After that, I worked in the marketing department at Henry County Medical Center.
What's the best part of your job? What is the hardest?
I think the best part of my job is seeing first-hand the amount of reach this theatre has in this community. I get front row seats (see what I did there?) to all of the social communication where we really get to see what kind of impact the theatre has on people and their lives.
The hardest part is - which is also a good thing - is finding a way to keep up! The theatre has seen so much growth; there are always shows, event, classes or something going on that needs to be photographed and promoted.
What do you like to do in your free time?
I love photography. I'm enjoying playing French horn in the MSU Town & Gown Community Band this summer. I love being outside in James' pool, or out on Lake Barkley on my dad's boat. I try to spend as much time with my family as I can.
My project this summer is starting my little chicken farm! I've wanted chickens for a long time now and I've finally got the time (sort of) to put in to it.
On any given weekend, we go to James' parents' house which is a, roughly, 40 acre horse farm in Webster County. James has twin sisters, Jamie and Jessica. When not at home or spending time with my family, we try to be involved in their lives as much as we can.
If you were a flavor of ice cream, what would you be?
I would be confetti ice cream! It's youthful, colorful, sweet, and not too rich.
Are you partial to sweet or salty food? Tell us your favorites…
I am definitely a sweets' junkie. Some of my favorites are Sweettarts and Oreos. Oreos always remind me of my dad. We would take them on our nightly walks by Lake Barkley, but we waited to eat them until we got to the boat dock. While sweets are my thing, my absolute favorite food is cheese! Usually after I eat something sweet, I crave cheese to cut through the sweetness.


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When you make your own pasta, you will always end up with some scraps, even more if you make ravioli. You can easily recycle this leftover pasta to make maltagliati, meaning "poorly cut" in Italian, which was traditionally meant as food for the poor. We are way past that, and today you can enjoy rich texture and amazing flavor of your pasta without the social stigma ;-)
Meringue hearts
Let this special someone know you've got your eye on them with a cute, delicious, sweet meringue heart. You only need a couple of eggs, and some sugar, and of course red coloring. These are irresistible and will make an everlasting impression (because everyone loves the person that brings sweets, right?).
Honey meat ravioli
This delicious meal is amazingly easy to prepare, as long as you have a pasta machine and ravioli tablet — it's a small grid in which you can prepare ravioli "like a sandwich", then roll out the ready ravioli using a rolling pin. Super easy, and with just very little effort you will end up having a luxurious feast!
German Zimtsterne (cinnamon almond cookies)
I always wanted to make these, and finally got the guts — oh boy, I wasn't really prepared for the amount of nitty-gritty with making these. I started with original German recipe that called for 500g of almonds, but that ended up being 2 full baking sheets and lots of sneaky snacking between steps ;-) But the result is good, and these cookies are worth the effort.
Red bean and pepper meatballs
This is my favorite meatballs recipe to date. It's spicy, it's rich, it's deliciously thick and serves as a complete meal on it's own. It's one of my never failed meals, because it's impossible to make it taste bad, it can even survive burning (a bit :P), wrong order of cooking, missing ingredients and virtually any cooking disaster you can imagine ;-)


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Well, not really. But it was a smashing success! More than 20 participants, including a doctor in South Africa, advocates in Atlanta and allies elsewhere--along with two couples who are affected by HIV AND, as the hashtag goes, #courageouslyinlove.
Here's the Storify of the chat. I apologize for any tweets that got dropped or any continuity errors. This was my best attempt to organize a lot of tweets that came in rapid succession.


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This Gothic revival pendant light from the 19th century was made by the Bradley and Hubbard Manufacturing Company. Formed in 1852, by 1890's, Bradley and Hubbard was known for its high quality and artistic merit. Their products were marketed in their own showrooms in major cities, by salesmen traveling throughout the country, and by the large retail firms. This cast brass pendant features gothic arches, quatrefoil and 8 textured glass panels.
11" wide x 51" tall as shown (adjustable with minimum height of 34")


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By mid-June of every year, I've usually settled into a general notion of what I'll be drinking during the hot summer months. The libations that make the cut are usually dictated by one of three factors: One, undying allegiance to certain summer classics (Southside, etc.); Two, the appearance of attractive new products perfectly suited for summer sipping; and, Three, fate. By that last item I mean liquors suggested to my mind and thirst by whatever assignments I happen to be working on around Memorial Day Weekend.
Much of my past month's drinking has been framed by articles-in-progress about the Pimm's Cup, Cachaca and Old Tom Gin. As a result, there are a number of bottles of said spirits sitting around the house, making it a safe bet that there will be more Pimm's Cups, Caipirinhas and Old Tom drinks in my future. The former would have my made summer cocktail list anyway; it always does. But the addition of Old Tom to the menu in unexpected. I doubt I would have devoted much of the summer to the Old Tom Tom Collins if I hadn't been conducted some "research" into the new/old spirit.
As I did last year, I'm dividing the list into two parts: "Classics," summer drinks that appear on my sideboard year after year: and "Newbies," fresh balms to my parched throat.
Southside. One of the rules of thumb of summer drinks is they should be easy to make. No one likes to work hard during the Dog Days. The Southside is an exception to that rule. It's not the easiest. You have to make the simple syrup; juice the limes (or lemons); muddle the mint; shake and strain the drink well; not to mention, you must have all the necessary ingredients on hand. But it's all worth it. Few drinks simultaneously calm and stimulate the way a Southside does.
Pimm's Cup. Owing to research for a New York Times feature on this timeless British refresher, I am in position of a number of recipe variations on Pimm's Cup, concocted by bartenders from across the country. I will probably give a few of them a spin. But, on the most scorching days, I'll likely fall back on a simple Pimm's-Ginger Ale-Cucumber formulation. Whatever floats your boat, you should go for it. All Pimm's Cups end up tasting like Pimm's in the end. For a liqueur with such an easygoing reputation, it has a flavor backbone as tough as steel.
Gin and Tonic: As always. I make my G&Ts with either Plymouth or one of the classic London Dry Gins (Beefeater, Bombay, Tanqueray, etc.), and with Brooklyn-made Q Tonic. I love homemade tonic, but the task of making it is too arduous, so I generally leave it to the experts. This summer, I might quaff a few G&Ts made with the newly available Navy Strength Gins, like Perry's Tot. Even though I know that's not exactly advisable, given the higher alcohol content, I'm a sucker for the novelty and the flavor of the stuff.
Old Tom Tom Collins: The simple Tom Collins is a perfect warm-weather drink. But the Old Tom Tom Collins—switching out the spiky London Dry for some soft and sweet Old Tom (Hayman's, preferably)—is perfection upon perfection. I do 1 1/2 oz. Old Tom, 1 oz. syrup, 3/4 oz. lemon juice, shaken and topped with soda. This drink is disarmingly smooth. Take care, or you'll down three before a half hour has passed.
Wire and String: This is a Pimm's Cup riff devised by bartender Maks Pazuniak. You can either visit the Counting Room in Williamsburg, Brooklyn, where Maks works, and order one; or make the drink yourself. It's quite easy: 1 1/4 oz. Pimm's, 1 1/4 oz. Campari, 3/4 oz. Lemon Juice and 1/2 oz. pineapple syrup (juice pineapple, measure, add equal parts sugar and stir to combine). Add all the ingredients to a shaker and shake vigorously, but briefly. Strain into a Collins glass filled with ice and top with soda. The blend of bitter and sweet is bracing and tasty.
Byrhh: Byrrh is a French aperitif, a 125-year-old red-wine-based quinquina that thrived in the early 20th century. It was created by two brothers with the poetical names of Pallade and Simon Violet, and initially marketed as a health drink and sold in pharmacies. It's popularity declined after World War II, despite an heavy ad campaign. This year, it was returned to the American market. Gentle by quinquina standards, it's best drunk cold, straight or on the rocks.


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Wednesday, March 20, 2013
FMS78: Purple Silhouettes
13 comments:
Very pretty card Rita. I love the way you've stamped the flowers and you're right about purple and green looking wonderful together!ReplyDelete
Lovely card...you do purple & green so well! And you can't go wrong with that stamp set, either!ReplyDelete
I told ya Laila would get the hang of crawling....now she'll be into everything! Her little smile makes my day!
This is soooooo springy! I need me some spring! Very pretty - love the purple flowers!ReplyDelete
Truly, this color palette is so you! I can't make it work and you make it look easy! Beautiful card! All that grumpiness was her brain on overdrive waiting to do these incredible things. I think mine are still like that when something big is changing!ReplyDelete
You can't go wrong with that stamp set and those colors! Very springy indeed! Now that Laila is motoring you are going to be one busy (or is that busier) Mom!ReplyDelete
Rita this card is beautiful! I love it! The green is so glorious and makes me think my grass might one day turn green again....maybe...ReplyDelete
Laila is perfect! I love that she's crawling! I remember that crawling stage....so fun!
Very pretty, Rita! I love your color palette. These colors are perfect with this stamp. I'm tired just reading about Laila's newest accomplishments. :)ReplyDelete
Gorgeous card Rita! I love green and purple together and this is beautiful! That Laila is a real cutie pie! You are in trouble now Mom!ReplyDelete
Gorgeous card, Rita...but I'm partial to purples so most cards in that color really reach out to me! And I so agree that purples and greens go so well together! Laila crawling finally (but not really as my son didn't til he was about a year!) but you guys are going to be more on your toes now...grab that camera and capture as much as you can...she will only get faster from here on ...looking forward to more pics and stories!ReplyDelete
Gorgeous color combo!ReplyDelete
Your card is just gorgeous! Purple and green are so pretty together Rita. Summer silhouettes is one of my favourites too! You won't be able to stop Laila now!ReplyDelete
This card is sooooo pretty, Rita! I love the purple/green color scheme, and, as you can guess, I LOVE Summer Silhouettes. I love how you used it with the two shades of purple. TFS!ReplyDelete
Love all the green with the touch of purple! You've got a busy girl there!ReplyDelete


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Volvo invited me to the V60 sport wagon launch held in Cape Town yesterday. Now I know what you're thinking. Wagon's aren't exactly known for their looks, but Volvo actually put effort into making the wagon look good.
So who is it for? According to Volvo's Gerry Keany, "The typical sports wagon customer is a S60 buyer who would like some extra space and flexibility, but without the slightest compromise on sporty design and exciting driving properties."
The Volvo V60 sport wagon is racetrack inspired, most notably by its curved interiors:
Just like the S60, which I drove at the launch last year, the V60 has pedestrian detection, which will automatically brake if it detects a pedestrian in front of the car. Volvo says the "60" range is sleek, sophisticated and sporty.
If you're concerned about sound, Volvo has it covered with Dolby Digital surround sound and when it comes to child safety, the back seats have integrated child booster cushions in the two outer seats.
We got to drive the various models around with an option of a long or short route. I drove the 2.0 Turbo, D5 and the top of the range, T6. After driving the Volvo S60 and V60, I realized I quite like the Diesel engines. The D5 I drove had blind-spot detectors, which is a really awesome feature. If a car is in your blind spot, a little red light comes on, notifying you about it. If only all cars had this feature!
Prices start at R317,700 for the T3 manual; R406,300 for T5 powershift; R418,300 for the D5 geartronic and the top of the range T6 AWD geartronic is R474,700. All prices include C02 emissions tax.
More information can be found on the Volvo V60 website.
Thank you to the team at Volvo who invited me again, and for the lovely accommodation at Old Mac Daddy. Yup, luxury trailer parks do exist!


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This was bound to happen someday. After all our ridiculous telecommunicating platforms, remote drones, and general toying with robots as play things–robots can control us now.
This new chapter for human-robot interaction came from an experiment ran by a group of French researchers of the Montpellier Laboratory of Informatics, Robotics, and Microelectronics (LIRMM). In the experiment, a Fujitsu's HOAP-3 humanoid robot controlled a person's arm using electrodes to drop a ball into the robot's hoop.


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Buckwheat in the Organic Rotation
I was thoroughly impressed with how well the Buckwheat performed with regards to weed supression in the field. One field that I have been farming since 2007 was so infested with Cammomile, that the County was bothering the landowner to take care of it with chemicals. She contacted me at that point and asked me if I would farm the piece. I took it on and spent the first year simply tilling the weeds under from time to time, otherwise known as "summer fallowing". This is definitely not a sustainable way to farm and so I decided to invest the time and money into planting a crop of Buckwheat. I had heard of Buckwheat's ability to suppress plant growth from other species be it weed or otherwise. The lush canopy shades out any lower plants and the alleopathic properties of the Buckwheat root system takes care of any stragglers. In this video you can clearly see the difference between where the Buckwheat was seeded and where the drills missed seeding along the edges.
One other benefit of Buckwheat in the Organic Rotation is how well it conditions the soil. In the fall, after harvest, I typically spend some time doing tillage. This takes care of any left over weeds and prepares the soil for spring tillage and seeding. Fall tillage also allows for a better penetration of moisture when the snow melts in spring. When I was performing this fall tillage with the chisel plow, I couldn't help but notice the improved condition of the soil. It was less lumpy and with a pass of the disc in the spring will be a wonderful seedbed for next years crop of whatever is next in the rotation.


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June Monthly Meeting and "Go for Life" walk
The final "Go for life" walk will replace our next monthly meeting and will take place in Mullyash Community Centre, Mullyash, Co Monaghan on Monday 13th June 2016 at 7pm.
Registration commencing at 7pm at Mullyash Community Centre, Mullyash, Co Monaghan
Supper will be served afterwards along with some light entertainment.
Cost per person will be €5.00.
Can you please contact us to confirm your attendance (for catering purposes) on 04730912.… Read More >


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Welcome to Citizens Bank. This site is screen reader friendly.
Explore our account options to find the right match.
Get an average fee savings of $637* with a better alternative to the Federal PLUS Student Loan.
A new card with unlimited earning potential. Earn up to 1.8% cash back with our Purchase and Relationship Bonuses.
Whether you're getting married, taking a dream vacation or looking for a faster way to pay off existing debt, a Citizens Bank Personal Loan offers plenty of options to build the right loan for you.
Use this page to get answers to our most frequently asked questions about refinancing or consolidating federal and private student loans. You'll also find information on the application process for our Education Refinance Loan, how to use our online tools and what happens after you close on your loan. If you still have questions about student loan refinancing or the application process, give us a call! One of our Student Lending Specialists will be happy to assist you.
Student loan refinancing is the process of replacing an existing student loan with a new loan that has new terms, including a new interest rate, monthly payment amount or repayment length. Even if you have previously consolidated or refinanced student loans, you may be able to lower your interest rate and/or your monthly payment by refinancing with us.
For people with multiple student loans, consolidation can help simplify payments by combining these separate loans into one. When you use an Education Refinance Loan, Citizens Bank will combine these separate loans into a new, single loan. This new loan will have new terms, such as a new monthly payment amount, interest rate and repayment length. Student loan consolidation is for people carrying multiple student loans with separate due dates, payment amounts and interest rates. By combining these many loans into one, you can simplify your loan payments and make it easier to fit student loan repayment into your budget.
Federal loan consolidation is common, but only recently have students been able to consolidate their federal and private loans together. If you need to simplify your student loan payment process, the Citizens Bank Education Refinance Loan® gives you the option of consolidating your federal and private loans together and receive a new term, a new repayment length and a new interest rate. Unlike federal loan consolidation where your new interest rate is based on a weighted average of each loan's rate, Citizens Bank will base your new interest rate on the market and your credit score.
If you have questions about whether student loan consolidation is right for you, speak with one of our Student Lending Specialists.
The application process, including credit approval, is similar to what you experienced when you applied for your existing student loans. The primary difference is that you need to submit details on the existing student loans you're currently paying, and part of our review will be to verify the student loan information with your existing loan servicers and determine a payoff amount for those loans. If you are approved for a refinance loan, we will use the proceeds of your new loan to pay off your prior loans. For more information about student loan refinancing, visit our Refinance Resources page.
When you apply for an Education Refinance Loan through Citizens Bank, you can include any student loan debt that was taken out in your name and used to finance education (for example: the Citizens Bank Student Loan™ for both undergraduate and graduate students, the Citizens Bank Student Loan™ for Parents, private student loans from other lenders or federal loans like ParentPLUS, GradPLUS or Stafford loans could be consolidated together). You cannot include any other debt (such as credit card or mortgage debt), even if it was used to pay education expenses. Additionally, loans taken out by parents cannot be consolidated with loans taken out by students. Our application process will review the debt you wish to consolidate to ensure it is eligible to be refinanced. You may even be able to refinance student loan debt you previously consolidated into a single loan.
Minimum Loan Amount — $10,000
Maximum Loan Amount
For more information about eligibility requirements, speak to a Student Lending Specialist.
While refinancing or consolidating private and federal student loans is often a smart decision, it is not the right decision for everyone. Our informational guide, "Should I Refinance My Student Loans?" can help you evaluate whether the Education Refinance Loan is right for you. You can also use our refinance calculator to estimate your potential savings and see how the Education Refinance Loan can help you better manage and take control of your student loan debt.
No, graduation is not a requirement to apply for the Education Refinance Loan. However, you must not currently be in school and must be making payments on the student loans you wish to refinance. Additionally, if you did not graduate, you will need to have made at least 12 consecutive, on-time student loan payments before you apply.
You've worked hard to achieve your success. Now it's time to take smart steps so you can have more control over your student debt and make your hard-earned money go farther. If you meet these criteria, an Education Refinance Loan from Citizens Bank may be the right choice for you.
Submitting a Citizens Bank Education Refinance Loan application results in an inquiry on your credit report. Selecting "Get My Rate" only requires a "soft credit pull", which does not affect your credit score.
Borrowers may apply for cosigner release after making 36 consecutive on-time payments of principal and interest. When applying for cosigner release, a credit review will be performed to ensure the borrower meets certain credit and eligibility guidelines for holding the loan on their own. For the purpose of cosigner release, on-time payments are defined as being made within 15 days of their due date. Borrowers who use deferment or forbearance will need to make 36 consecutive on-time payments after reentering repayment to qualify for release. Borrowers must complete an application for release and provide income verification documents as part of the review. Those interested can request an application for release by calling our trusted servicing partner, Firstmark Services, at 866-259-3767.
Initially, a variable rate loan may be lower than a fixed rate. Over time, the variable rate can change, up or down, and your monthly payment will change with it.
A fixed rate loan remains the same for the life of your loan, and you'll owe the same monthly payment every month.
Yes, Citizens Bank offers our borrowers interest rate reductions1. Please see the Education Refinance Loan page for details around our current offers.
Now you can find out your interest rate and potential monthly savings in under 2 minutes. Simply click 'Get My Rate' and enter in a few pieces of information. Once submitted, you will be presented with your interest rate options, without affecting your credit score. You can then go on to complete the online application. Your final interest rate and loan terms will be based on the verified information entered in your loan application.
Selecting "Get My Rate" only requires a "soft credit pull", which does not affect your credit score.
You will need the following personal information in order to find out your rate and savings:
Yes. The primary borrower and cosigner can each find out their rate and savings. When you submit an Education Refinance Loan application, the final interest rates and loan terms offered will be based on the higher of the two FICO scores.
Both the borrower and co-signer may need to submit the following:
For more information, review our Refinance Application Checklist.
After you apply, here are the steps to getting your loan:
*Approval and rates for a student loan refinance will depend on the applicant's credit score. Please bear in mind, rates and terms available may not be better than your original loan, and lower monthly payments may cause you to pay more in interest over the extended life of the loan.
To apply for the Education Refinance Loan, borrowers and co-signers, if applicable, must be U.S. citizens or permanent residents with valid Social Security numbers. If you are a U.S. citizen, you may need to provide a copy of your Social Security card, your birth certificate or your passport. If you are a permanent resident, you may be asked to provide proof of residency in the form of your current U.S. Citizenship & Immigration Services (USCIS) Form I-551 (Resident Alien Card). If you do not have yours available, a temporary WSCIS Form I-551, a passport stamped "Temporary 551" or Form I-90 (Application to Replace Alien Registration Card) may be used.
When we review your application, we try to verify both your identity and the income you report on your application through an automated process. If we are unable to verify the information you provide on our own, we will ask you for documents to help us make our decision. All applicants for the Education Refinance Loan will be asked to provide a recent billing statement for each loan they list to refinance. This will help us finalize both the amount to refinance and the address to send payments to your prior lenders.
It depends on the type of income you list on your application. See the table below for the most common kinds of income and the verifying documents we'll need.
If you don't see the income you listed on your application in the table above or are unable to provide the requested documents, please contact us and we'll help you determine how we can verify your income.
In order to access your application you will need to login to your user account. If you do not already have a user account, you can create one from our website (www.citizensstudentloans.com) by hovering your mouse over 'Log In' and selecting 'Create an Account' from the drop-down menu. Once logged in you will be able to view your loan status and complete required steps such as uploading requested documents and e-signing your promissory note.
Cosigners who need to submit their portion of the application should click on 'Access an Existing Application' and select 'Cosign an Application' from the drop-down menu.
Borrowers who need to complete an application a co-signer started should click on 'Access an Existing Application' and select 'Add My Information to an Application the Cosigner has Started' from the drop-down menu.
If you are having trouble accessing your application or user account, please contact our Student Lending Specialists at 888-333-0128.
You may choose to e-sign or physically sign your student loan application and promissory note.
E-signing: This must be done through our application portal, not through the Sign and Certify function on Adobe Acrobat products. You must first review and agree to the Electronic Documents Consent. Then, under your Loan Documents Checklist, you can choose to complete your signature on the application and promissory note. You will be asked to complete four steps: 1) review your application/promissory note, 2) enter and validate the e-sign code found on the bottom of the last page of the note, 3) consent to the terms of the note and 4) consent to verify identity using the information found on your credit report.
After you select 'Continue,' you will be asked to answer four questions related to your credit report. These questions are generated by Equifax, a credit reporting agency, and relate to items in your personal credit profile. These questions allow us to verify your identify and protect you from fraud.
Physically Signing: If you choose to physically sign your note, attach or bring with you recent documentation verifying your name and physical address. Examples of such a document include a bank statement, or a utility bill along with a W2 or the first two pages of your 1040 verifying your name, address and SSN. If you do not file taxes or receive W2s but can be claimed as a dependent on another's tax return, we will accept the 1040 of the individual who claims you as a dependent.
For fastest processing, we strongly recommend that you upload your required documents directly to your loan by logging in to your user account and reviewing the status of your loan application. Once logged in, select the link in the 'STATUS' column on the right side of the screen to access your 'Loan Summary.' On the lower half of the 'Loan Summary' page under 'Required Documents' you can click the 'Upload Documents' link to access the upload feature.
We'll validate your income and the existing student loans you want to refinance, then we'll notify you of a credit decision. If you're approved, you will choose your loan terms from the options you qualify for, including how many years you have to pay back the loan and your interest rate. If you decide to accept the loan, you will be required to:
Before we deliver your refinance loan proceeds to your prior lenders, we'll provide you with (1) a Final Disclosure that will confirm the terms of the refinance loan and (2) a Right to Cancel notice that explains you have at least 3 business days to cancel your refinance loan without penalty along with instructions on how to do so.
You can call 1-877-405-2358 for personalized assistance.
You should continue making payments on your existing loans until the entire refinancing process is complete and you have confirmed with your existing lender that the loan has been paid in full. Refinancing loans can take 1-2 billing cycles, so you will want to continue making your regularly scheduled payments at least until you receive your first billing statement from us. You should then confirm with your prior lenders that your prior student loans have been paid in full and that no further payments are required.
Depending on when your prior lender credits our payment to your prior loans, the amount you owe could change before our payment is credited, leaving you with a small balance with your prior lenders. If you have a remaining balance with a lender after our payoff has been processed, you would need to make payments until the loan is paid-in-full to avoid late fees or other collection efforts by your prior lenders. Citizens Bank asks lenders to return overages to us so that we can apply them as a principal credit to your account; however, your prior lenders may have different policies related to overpayments so you should reach out to those lenders if you have questions.
Principal and interest payments will begin within 21-50 days after your loans have been refinanced. We will notify you in advance so that you have plenty of time to make your first payment on time.
No, there is no prepayment penalty or any other penalty for paying more than the minimum monthly payment or for paying off the entire loan early.
Our servicing partner, Firstmark Services, offers online access to manage your new Education Refinance Loan. Visit Manage Your Student Loan to sign up for automatic payment, make payments and do things like change your address, if necessary, to manage your loan.
Get My Rate
Call a Student Lending Specialist1-877-405-2262
Applying to refinance or consolidate your student loans is easy.You provide:
Filled out by you and, if applicable, your co-signer. Use our refinance application checklist to make sure you have everything you need along the way.
Billing statements for the loans you wish to refinance.
Details on your employment and monthly housing payments, as well as two recent pay stubs or other proof of income.


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UPDATE: Prevailing Wage Processing TimelineTuesday, September 13th, 2011
Previously, we reported that the U.S. Department of Labor (DOL) confirmed that "the processing of Prevailing Wage Determinations, redeterminations, and Center Director Reviews has been temporarily suspended" and we explained that this will impact the filing of PERM applications.
Since then, pressure has been mounting for the DOL to lift the suspension and resume processing. Processing has resumed but the backlog persists. To update you, at a recent Department of Labor (DOL) stakeholder conference call, Bill Carlson who heads the Office of Foreign Labor Certifications (OFLC), provided news on current efforts to reduce the backlog of PERM prevailing wage requests and he provided a specific timeline for eliminating the backlog on all prevailing wage requests.
Prevailing Wage Processing Timeline:
- Currently, DOL is processing prevailing wage requests received in early June.1 Prevailing wage requests dated prior to June 1 may be held up because of complicated issues such as use of an alternate wage survey and specific geographic location.
- By mid-October, DOL expects to shift back its resources back from processing H-2B prevailing wage determinations to PERM prevailing wage requests.
- By November 1, 2011, DOL commits to have PERM prevailing wage request processing times back in-line with 60 days from time of filing.
DOL repeated that it will not waive any of the regulatory requirements and did not provide any additional guidance on alternative avenues for PERM cases that are ripe for filing but for the lack of a prevailing wage determination.


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Penang is a state in Malaysia and the name of its constituent island, located on the northwest coast of Peninsular Malaysia by the Strait of Malacca. It is bordered by Kedah in the north and east, and Perak in the south. Penang is the second smallest Malaysian state in area after Perlis, and the eighth most populous. It is composed of two parts – Penang Island, where the seat of government is, and Seberang Perai (formerly, and occasionally Province Wellesley) on the Malay Peninsula. Highly urbanised and industrialised Penang is one of the most developed and economically important states in the country, as well as a thriving tourist destination. Penang has the third-highest Human Development Index in Malaysia, after the federal territory of Kuala Lumpur and the state of Selangor. Its heterogeneous population is highly diverse in ethnicity, culture, language, and religion. A resident of Penang is colloquially known as a Penangite.
Penang | Malaysia


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Printed Advertising Rates
Printed Advertising Sizes
Column Structure
1 Column: 1.69"
2 Column: 3.55"
3 Column: 5.42"
4 Column: 7.28"
5 Column: 9.14"
6 Column: 11"
The structure of the Mustang News paper is adaptable. The staff designers can create ads to accommodate more sizes upon request.
Front Page Advertising
Showcase your business with a free-standing insert.
$450 per 6,000 inserts
Minimum size 4" x 6"
Maximum size 11" x 17"
Please send inserts to UGS, set to arrive three days prior to publication.
UGS (University Graphics Systems)
1 Grand Avenue
San Luis Obispo, CA 93407
ATTN. Vince Uhler
Advertise your business on the high-traffic news stands throughout campus.
$250 per rack, per quarter
Size 17"x11"


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CrowAll Surface Contractors Ltd. is a company built, owned and operated by a family to serve businesses and individuals in our community. The same values we apply to our own lives are the ones we use to run CrowAll: integrity, hard work, dedication and a commitment to working as a team. We consider each of our customers to be part of our family and we make it our top priority to provide services and tennis court products that we would use for ourselves and our loved ones.
Our team has built tennis courts all over Ontario and outside the province. We value the relationships we develop with associated members of the tennis court and sport surface construction industry and continuously work to strengthen these bonds. This helps us form the connections needed to provide the best in tennis court supplies and services.
Our people are an integral part of what makes CrowAll among the leading tennis court contractors and builders in Ontario. We were built by the best to work with the best to create a company culture that produces innovative thinking and superior design for our customers.
Each of our team members has many years of experience as tennis court builders, resurfacers and/or designers.
Rocco Cornacchia, our project manager and designer, began his journey in the industry in 1977. As the first construction foreman to use the industry-changing technology of laser guided grading, his expertise is highly valued by our company and our clients.
Mark Cornacchia B. Comm, our president and construction foreman has honed his skills and become a clay court, hard court and acrylic coating specialist.
Daniel Cornacchia B. Comm, rounds out the top level of our team as vice president and sales director. He has worked his way up from a laborer to being head of quality control and customer engagement.
Our team members have experienced every level of the sport court industry and have come to know it inside out. This allows us to create better designs, technology and methods as we understand what is needed at every stage of the operation.
At CrowAll, each of our projects becomes a part of who we are as a company. We take pride in our tennis court supplies, construction, resurfacing and everything else we provide. This includes an ongoing dedication to comprehensive support after installation to ensure you are happy with our products throughout your time with them. We deliver the best in:
Whether you need construction or rehabilitation of an existing sport surface on a beautifully landscaped property that includes a tennis court, putting green, ice rink or helicopter pad…We do it all and do it right!
CrowAll Surface Contractors Ltd. is a family owned and operated company that strives to treat each of our customers as members of our extended family. We build relationships as strong as our work ethic and provide everything our customers need for the professional construction and rehabilitation of quality tennis courts and sport surfaces.
We pledge to put our superior craftsmanship, unwavering dedication and decades of experience towards perfecting the craft of designing, maintaining and installing sport surfaces. Our goal is to to be a one-stop-shop for all our customers' sport court needs and to make the name CrowAll synonymous with quality and innovation.


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Vandra i Alperna
- Id.
- 68471
- Photographer
- Rowan Thornhill
- Headline
- Vandra i alperna
- Keywords
- activity, effort, distant, hill, mountain, flowers, alone, conquer, grass, green, go, sky, high, height, cloud, nature, trip, switzerland, swiss, semeter, snow, summer, stone, tree, outside, view, hike, wild, wilderness, wave, our
- Model release
- Not model released. Not available for commercial usage without permission. Additional fee may apply. Please contact Link Image for more information
- Color mode
- Color
- Image Size
Width 6491 pxHeight 4510 px


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cPanel is an amazing tool that allows you to control your part of the web server. Among other things, cPanel allows you to:
- Easily add and remove email accounts
- See your site statistics, so you know who visited you, what they looked at and how they found you.
- Add secondary domains and sub domains (so if you are site.com, and you own site.org, you can have them both go to your site. If you are building extra tools, you could have intranet.site.com (depending on your account))
- Add a spam filter to reduce the spam mail you receive
- Create new users who can access your site to work on it.
- Access to database tools to help you manage your dynamic content
- Free use Softaculous to add all sorts of wonderful programs to your site!
- Web site optimization - have your site compressed to travel faster to your visitors.
This hardly scratches the surface of what cPanel can do for you. However, you are very busy running your business, and we know that - we can manage all of this for you, so if you need changes, all you have to do is call us. With regular emails giving ideas on site improvement, and additions to make, you will wonder how anyone manages without the Smart4 team giving their website the freedom it needs to thrive.


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CVHS Interact Club Meeting w/ Rotary Club of Castle Rock
Nov 07, 2018
Colorado Juvenile Defender Center (http://cjdc.org/wp/)
Nov 14, 2018
Jeff is an attorney in private practice in Denver. He specializes in juvenile delinquency and criminal matters. A fairly recent transplant to the state, Mr. Cuneo was an Assistant Public Defender in Sacramento County, California for 10 years. He handled everything from homicides to petty offenses, and focused his practice on representing juveniles facing charges in adult court. Mr. Cuneo was the Program Director for the Placer County Re-entry Program, where he implemented a program assisting and providing resources to recently released inmates. He was elected to, and served as a Trustee on the Sacramento City Unified School District Board of Education. He is a Senior Fellow with the American Leadership Forum. He currently serves as a member of both the Denver Great Kids Head Start Policy Council and the Denver Early Childhood Policy Committee. He also volunteers his time providing legal services to Denver homeless youth. He is married to his wife Carrie, and has two children, Charlie and Haddie.
Surviving the Cambodian Genocide, the memoirs of Mac and Simone Leng from Pueblo
Nov 21, 2018
The Rotary Foundation transforms your gifts into service projects that change lives.
Nov 28, 2018
Empowering adults with special needs.
Dec 05, 2018
Putting an end to sexual assault through prevention and care.
Dec 12, 2018
Election of officers for FY20
Dec 19, 2018
Dec 26, 2018
A celebration of the 25th anniversary of Joan's Club Presidency
Jan 02, 2019
South Metro Medical Equipment Loan Closet
Jan 09, 2019
Insight and information on natural gas service in the Castle Rock area
Jan 16, 2019
Plus an update from Be About Bliss (Rachel Bliss)
Jan 23, 2019
519 Wilcox, Castle Rock - Wild Blue Yonder (formerly Augustine) @ 5:30 pm
Jan 30, 2019
An update on water, wastewater and stormwater utility operations in Castle Rock
Feb 06, 2019
Mark Marlowe, P.E.
Mark is the Director of Castle Rock Water for the Town of Castle Rock. He is responsible for the water, wastewater and stormwater utility operations and leads a team of 85 plus employees in their mission of providing excellent service to over 65,000 residents. He serves on a number of regional water boards including the South Metro Water Supply Authority and the WISE Authority. Prior to becoming the Director of Castle Rock Water for the Town in March of 2013, he spent 10 years with Dalton (GA) Utilities most recently as the Senior Vice President of Watershed Services. In this position, he was responsible for running the water, wastewater, and stormwater business unit, an award winning full service utility that provided water service to approximately 100,000 people in Northwest Georgia. His career also includes experience working for General Electric as a project manager as well as several regional consulting/engineering firms in the Southeast over approximately a 10 year period before joining Dalton Utilities.
He earned a Bachelor's degree in the Arts (Russian Studies and Mathematics) from the University of North Carolina at Chapel Hill and a Bachelor degree of Science in Civil Engineering from the Georgia Institute of Technology. He also holds a Master's degree in Environmental Engineering from the Georgia Institute of Technology and is a licensed professional Engineer in Colorado and Georgia. Mark lives in Castle Rock with his wife Laura and two children, Brett and Cecilia.
Plus: New member Red Badge talk and RCCR Foundation Update
Feb 13, 2019
Douglas County's residential real estate market
Feb 20, 2019
An update on the Castle Rock Fire and Rescue Department
Feb 27, 2019
Update on the Town of Castle Rock's 2019 Special Events
Mar 06, 2019
Update on the DCSO
Mar 13, 2019
Douglas County Land Conservancy
Mar 20, 2019
Patti Hostetler has been with DLC since 2000. She is a Colorado native and a resident of Douglas County along with her husband and three sons, since 1991. She has been active in the Douglas County community being involved as Secretary of the Castle Rock Parks and Trails Foundation, Treasurer of the Douglas County Non-profit Coalition, former Vice President of the Woodlands HOA and Chair of the Town of Castle Rock Planning Commission. Patti attended Fort Lewis College and Metro State University, both in Colorado, holds a Colorado real estate license, and has worked in the Colorado real estate industry for over 27 years. She is a graduate of the rigorous Executive Leadership Program through the Land Trust Alliance, the umbrella organization for the 1,700 land trusts throughout the country. She enjoys outdoor activities such as hiking and gardening.
Join us for an update on the Castle Rock Police Department
Mar 27, 2019
Join us for an update on Castle Rock's business community
Apr 03, 2019
Founded in 1955, the Castle Rock Chamber of Commerce has been the leading champion of entrepreneurial and economic prosperity for over 60 years. We started with a simple but very important objective to support and promote local businesses, and that straight forward mission still drives everything we do more than half a century later. The Chamber has a long history of championing initiatives that make Castle Rock and Douglas County great.
Turelli Foundation
Apr 10, 2019
Troop 1C & 1B Commander Douglas and Arapahoe Counties
Apr 17, 2019
Project C.U.R.E
Apr 24, 2019
May 01, 2019
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Elizabeth's Antique Sale
|Posted on May 23, 2013 at 11:55 AM
Join us, the Friends of Rutherford House Society, at Rutherford House Provincial Historic Site for our 2013 Vintage Bridal Tea!
At 7pm on May 23rd, antique and vintage wedding gowns will be on display throughout the house and Edmonton wedding gown designer, Kelsey McIntyre of Serendipity Designs will deliver a program on the evolution of the modern wedding gown, giving guests insight into our current vintage craze. Local cake masters will sample their wares to guests and the Society will offer Prosecco, coffee, and of course a few kinds of tea! This is a great event for brides to be, mothers, daughters, and anyone interested in antique textiles. Tickets are limited so get yours soon!
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Art of Sandy Plunkett
Graphic courtesy of: Kennedy Museum of Art
Jan 3, 2013
From staff reports
Kennedy Museum of Art will host "Fantastic! The Comic Art of Sandy Plunkett," Jan. 25 through June 2.
The exhibit of local artist Sandy Plunkett's comic art will feature about 50 works that exhibit his progression from his early days in the industry to his recent independent and commercial works.
Guest Curator Dave Filipi, director of film/video at the Wexner Center for the Arts, will discuss his deep appreciation for comic book art and his efforts to best showcase the romantic and fluid style of Sandy Plunkett's work during the Guest Curator Walk & Talk from 5 to 6 p.m., Friday, Jan. 25.
The museum will host a free reception directly following the Walk & Talk, 6 to 8 p.m. on the first floor of Kennedy Museum of Art. The exhibit will be open for viewing during this time and a catalog in conjunction with the exhibition will also be available for purchase.
Other events in conjunction with the exhibition include:
Kennedy Museum of Art, which is free and open to the public, is located on the Ohio University Athens Campus. Gallery hours are Mondays, Tuesdays, Wednesdays and Fridays, 10 a.m. to 5 p.m., Thursdays from 10 a.m. to 8 p.m. and Saturdays and Sundays from 1 p.m. to 5 p.m. The Museum is closed on University holidays.
For more information, call 740-593-1304 or go to http://www.ohio.edu/museum.
The Ohio Arts Council helps fund Kennedy Museum of Art with state tax dollars to encourage economic growth, educational excellence and cultural enrichment for all Ohioans.


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Whats Up
Roadrunners secure series, advance with shutout victory over San Jose
By: Alexander Kinkopf
April 27, 2018 10:53 PM
Boosted by Adin Hill's second-straight shutout performance, the Roadrunners defeated the San Jose Barracuda by a 3-0 score Friday night at Tucson Arena, clinching the series to advance to the second round of the Calder Cup Playoffs.
The Roadrunners' series win was the first by an Arizona Coyotes AHL affiliate since the Springfield Falcons surpassed the Hartford Wolf Pack in the 2003 Eastern Conference Qualifying round.
"It feels great," Andrew Campbell said of the team moving on. "We're proud of what we've accomplished to this point, it's a big step for this group and for this organization. We haven't been into the second round in an awful long time in this organization, so with that being said, it's just the beginning. There are still three more rounds to go, and we're awfully hungry to keep it going."
Hill stopped all 25 shots fired his way, becoming the first AHL goaltender to post back-to-back playoff shutouts since Petr Mrazek did so with the Grand Rapids Griffins in 2013. He has gone 122:30 minutes without allowing a goal and has five shutouts in his last 11 starts.
"I feel like I'm playing well, like I'm seeing the puck well, but the team in front of me is doing a great job boxing guys out and limiting other teams' chances, so it helps me out," Hill said after the win.
Following a scoreless opening frame, Mario Kempe got Tucson's offense churning less than five minutes into the second period when his shot from the top of the slot squeaked through the pads of Antoine Bibeau and into the net, giving the Roadrunners a 1-0 lead.
In the third, Conor Garland padded the Roadrunners lead with 15:07 left to play when he fought for positioning in front of San Jose's net and shoveled home a rebound from an Andrew Campbell point shot, scoring his first-career playoff goal to put Tucson up 2-0.
Mario Kempe added an empty net goal with 59.9 seconds left on the clock to give the Roadrunners a 3-0 lead.
Andrew Campbell finished the night with two assists, registering multiple points for the second straight game, totaling four (1G, 3A) during that span. He amassed six points (2G, 4A) in 60 regular season games.
"In all honesty, I think these last two games have been the best two games I've seen him play," Head Coach Mike Van Ryn said of the team captain. "That's what you need out of your veterans, is for them to rise and show our young guys the way. We've got some talented young hockey players, but this is playoff hockey, and pro hockey is new for them, so we need to really rely on those guys, and [Campbell] has been unbelievable. He's so good with these young guys, with the whole team, and I'm happy to see him get rewarded and get some points."
Dylan Strome is now tied with Syracuse's Matthew Peca for the league lead in playoff points. Mario Kempe is now tied with Grand Rapids' Ben Street for the league lead in playoff goals scored with four.
The Roadrunners will begin their best-of-seven Pacific Division Finals series against the Texas Stars Wednesday night at Tucson Arena, where the puck is scheduled to drop just after 7:05 PM.
Photos courtesy: Kate Dibildox & Chris Hook


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Regular price
Limited Edition of our Emily bracelet using repurposed, used Black Bass Guitar Strings. Get them while you can. Very limited quantities. Once they sell out, it will be a while before they are back.
Bracelet features used bass and guitar strings, silver guitar string ball ends, silver metal bars and a stainless steel magnetic clasp.
All of our bracelets feature a secure, magnetic clasp. For more information, please be sure to see our FAQ regarding our clasps.
For help selecting the right size, please see our FAQ.


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How to Support Each Other - Listen, Believe, Refer
Sexual assault is a serious crime and is never the fault of the survivor.
- Selkirk College has carefully developed a Hand Guide offering direction with steps to supporting someone who opens up about experiences with sexual violence.
Coming forward to share an experience or make a report is a difficult, personal and complex process.
- Selkirk College is committed to ensuring survivors have access to the support, resources and information they need. Read our booklet to find out more...
Pyramid created by Ranger Cervix & Jaime Chandra. November 2017.
The False Allegation Myth
Discussion and debate around sexual assault often includes misinformation about false allegations being a common occurrence. Not only does this stereotype undermine a drive to change the culture of sexual violence, it harms victims. "It is estimated between 64 per cent and 96 per cent of victims do not report the crimes committed against them" because they believe the report will be met with disbelief - cites a research paper called False Allegations of Sexual Assault: An Analysis of Ten Years of Reported Cases. This report indicates false allegations occur in two and 10 per cent of cases.
Anna Binkovitz of Macalester College performs during the 2014 College Union Poetry Slam Invitational.
Selkirk College's Sexual Violence Policy
In April 2016, the Provincial Government passed Bill 23, Sexual Violence and Misconduct Policy Act
The Act requires every public post‐secondary university, college and institute in B.C. to develop, implement and make publicly available on the institution's website, a sexual misconduct policy that addresses sexual misconduct, including sexual misconduct prevention and responses to sexual misconduct and sets out procedures for:
- Making a complaint of sexual misconduct involving a student.
- Making a report of sexual misconduct involving a student.
- Responding to a complaint of sexual misconduct involving a student.
- Responding to a report of sexual misconduct involving a student.
Selkirk College has been involved in the development of this policy since September 2016 and has recently adopted a the Sexual Violence Prevention and Response Policy that takes a three-pronged approach – the policy itself, setting in place protocols and procedures as well as generating awareness through prevention strategies, training and specific initiatives. The policy is woven into Selkirk College's Student Code of Conduct, Standards of Employee Conduct as well as other College policies that set standards and give direction how members of the College community will interact with each other. View the policy.


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Buy Flights
Select your flight from our menu of packages. If you're buying a Flight Experience as a gift, congratulations! This will be the most memorable gift you've ever given!
Select your flight from our menu of packages. If you're buying a Flight Experience as a gift, congratulations! This will be the most memorable gift you've ever given!
Once licenced, you'll fly without the aid of a Flight Experience Instructor. You'll be able to fly your friends, family or work colleagues to over 24,000 destinations around the world. You will be trained in all aspects of flying our Boeing 737NG Flight Simulator, following a process similar to gaining a real pilots licence for a fraction of the cost!
To gain Licence One, which permits you to conduct take-offs and landings by yourself, you will require approx. five 60 minute lessons. (Please note this is an average time and may differ based on individual competency)
Enrolment is easy! Simply join by purchasing a Flying Club Membership from any participating Flight Experience store. Enrolment can be done by internet, phone or at a Flight Experience store. Upon enrolling you will receive your Flying Club Pack which includes a Flying Club Training Manual, Personal Membership Card and Lanyard, Member Cap, Boeing 737 Wings Pin and Sticker. Booking lessons can be done at any time that suits the Club Member.
There are two licences available. Also available with each licence are various optional endorsements (add-ons). Each licence and endorsement permits members to accomplish extra flight duties, and eventually operate the simulator for both Circuits (take-offs and landings) and Sector Flights (city-to-city flights), without the assistance of an Instructor.Note: You must complete Licence 1 before Licence 2.
Yes, you can choose to purchase one hour at a time or buy in bulk as follows:
Once approved, members will be capable of flying Circuits. This enables members to taxi, take-off, fly circuits and land at suitable airports anywhere in the world that is capable of operating the 737. This is great for sightseeing and honing your skills.
Time required: Approximately 4-5 hours of training and a 45 minute test flight
Once approved, members will be capable of flying Sectors. This enables members to fly a City-to City sector flight solo, using the replica Boeing 737 Navigation system and automation. This is the ultimate way to be the captain of a typical airline flight.
Time required: Approximately 4-5 hours of training and a 45 minute test flight
Members may elect to gain a Pre-flight Endorsement at any time during their training. This is mandatory for Licence Two, but may be completed before, during or after Licence One. The Pre-flight Endorsement involves pre-flight, engine start-up and shutdown procedures from a Cold State (when the aircraft is turned off), including how to programme the FMC (Flight Management Computer).
Time required: Approximately 2-3 hours of training and a 30 minute test flight
Our Airline Prep packages are designed to assist pilots prepare for airline simulator assessments in our 'state of the art', Flight Simulator. Flight Experience™ have qualified Instructors who can walk you through airline-specific simulator assessment profiles and assist with the techniques necessary to prepare you for that important career move.
Email or call us on +33 145 860 404 to talk to one of our staff for a cost-effective way to get the competitive advantage in your Airline Interview.
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