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Keep your estate planning in mind with super life insurance
Most people now have the bulk of their life insurance through their superannuation fund.
It's a highly cost-effective way to buy life insurance, but there can be huge implications along the way if good estate planning is not put in place at the outset.
The problem is the tax on the proceeds of the insurance policy if it is left to a non-dependent.
A good example is a young single with $300,000 of death cover through their work super fund. They are unlikely to have tax dependants, so if they were killed in an accident the tax office would take nearly $100,000, leaving just $200,000 in their estate.
Life insurance proceeds held within superannuation suffer a much higher tax than ordinary superannuation benefits because they are treated as "untaxed" and are subject to 30 per cent tax (excluding Medicare levy) when paid to a non-dependant.
Now consider what may happen if the estate does not have the money to pay the tax.
Think about Jim, a single father aged 50 with three adult children who all work - his youngest lives at home with him. Jim's house was worth $380,000 in 2008 when his will was drafted. He has $300,000 in super fund A, and just $15,000 in super fund B. There is also a $300,000 insurance policy in super fund B - this is the fund that is paying the premiums, because it has the smallest balance.
Jim wanted his will to treat his children equally. Therefore, it was drafted to give the first child the proceeds of Fund A, the second child the proceeds of Fund B and the residue of his estate to the third child, who was living at home. Jim figured that would be the house and contents.
The children knew that their father had left them equal shares of his estate. But when Jim died unexpectedly they got a terrible shock when they discovered they were not going to be treated equally at all.
Jim had thought that his first child would receive around $255,000, as the proceeds from Fund A would be taxed at 15 per cent, while the proceeds of the insurance policy held by Fund B would yield about $215,000 for his middle child, after the tax of approximately $100,000 was deducted.
Problem 1: super funds do not deduct the death tax and send the balance to the estate. Rather, they send the entire amount to the estate - it is the estate that has the obligation to send the death tax to the ATO.
Problem 2: because the will specifically gave "the proceeds of Fund A" to the first child and "the proceeds of Fund B" to the second child, they are entitled to the whole of $300,000 and $315,000 respectively. The tax still has to be paid - but it doesn't come out of the proceeds received from either super fund.
The executor of the estate is responsible for paying $145,000 to the tax office ($45,000 on Fund A and approximately $100,000 on Fund B).
Because children one and two have received specific bequests, the tax can only be paid out of the residue of the estate. Using a concept known as "marshalling", the executor will probably have to sell the home to pay the $145,000 tax bill.
Not only has the third child borne the cost of the tax payable on both of the superannuation payouts, but also the family home has been lost to pay the tax bill.
It is critical that anyone drafting a will understands that all assets are not treated equally for tax purposes.
As the above example shows, failure to take death taxes properly into account can have disastrous and unforeseen consequences.
- Noel Whittaker is the author of Making Money Made Simple and numerous other books on personal finance. email@example.com


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Google launched Gmail 4.2.1 for Android Monday, rolling out a bunch of features that really take the application to another level.
For starters, the update has an "auto-fit" option that automatically resizes messages to fit the screen, while Gmailers can also pinch to zoom for a closer look.
Archiving and deleting messages is as easy as a brushing a finger along the screen. Swiping either left or right archives emails straight from the Inbox, while changing the option in the "Swiping conversation list" turns the motion into a delete command.
As for image improvements, 4.2.1 provides thumbnails of photo attachments users can view directly in the message. When an image is tapped, a photo gallery pops up that users can browse through for individual image viewing.
Get it now
As if all that wasn't enough, Google has finally added the ability to attach phone-captured videos to messages.
The update is only available to devices with Android 4.0: Ice Cream Sandwich and higher, and is currently ready for install through Google Play.
Based on user feedback thus far, version 4.2.1 hits all the right notes...though not, as of yet, one that sings iOS.

subset: commoncrawl


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The 2nd annual Redhead Days, organized once again by Jim Stoecker, owner of Highwood's Alex's Washington Gardens, was held in early June in Highwood, and was a great success
A late summer gift to Chicago, this festival is for all lovers of dance and those who just love to move
60 years of world class dance leaves you breathless with its energy, vibrancy, and poignancy
Hubbard Street Dance Chicago presents its first-ever program by a single choreographer: four works by the celebrated international artist and former director of Nederlands Dance Theater, Jiri Kylian
Melissa Thodos likes to explore new avenues for creative expression. The company, in collaboration with Studio Gang Architects investigates the intersection of architecture and dance in a world premiere in its winter concert
The Joffrey Ballet kicked off Chicago's spring dance season this week with a "3 in 1" knockout punch, bringing together the works of both local and international luminous choreographers who work in the contemporary dance idiom, in one show
"Cabaret", Marriott's first show of 2014, opened to a hot reception and long applause from an audience not in a hurry to leave
Come and meet—those dancing feet—on the avenue they're bringing you to--- 23 E. Galena Boulevard in Aurora, for a tune filled, glittering, splashy musical now on stage at the Paramount Theatre
Tigers, daggers, live snakes and dancing Hindu gods set the stage for a sumptuous display of classical ballet and Eastern exotica that's sure to tantalize in Joffrey's "La Bayadere" at the Auditorium Theatre until October 27
Lucky Plush's innovative, surreal dance theatre evening at Link's Hall
Art is a silent witness to the horrors of the Holocaust in "Signs of Life" at Victory Gardens Theater
Thodos Dance Chicago and Fulcrum Point New Music Project light the stage in a shared spotlight
Solitaire - A Game of Dance, was one of four programs of The Chicago Dancing Festival, now in its 7th year celebrating the best of dance in Chicago and beyond, culminating in a crowd pleasing explosion of works in Millennium Park last Saturday
Hubbard Street Dance Chicago and Alonzo King LINES Ballet share the stage to perform singly and together in a unique collaboration that is a standout in dance performance
John Neumeier's evocative ballet Nijinsky is a tour-de-force for the renowned Hamburg Ballet company. The dreamscape recalls Nijinsky's life, iconic creations and descent into madness
Miguel Gutierrez and the Powerful People collaborators explore the influences of dance improvisation and philosophical questions about the brain, perception, and mind-body connections at Chicago's Museum of Contemporary Art
Stunning solos of Great Women of Modern American Dance include a rich history of the pioneers of this unique movement
If the opening night audience was any guide, this world premiere of "Now and Forever: the Music of Andrew Lloyd Webber" is now comfortably and happily encamped at the Marriott Theatre in Lincolnshire
Congratulate yourself on your foresight, perspicacity, and good fortune if you saw "Moniquilla and the Moon Monster" at the Ruth Page Center for the Arts


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Golden, CO. I don't know much about Golden and have certainly never thought of going out to eat there. I went climbing there a few times back in the day when I was younger and less destructible. I remember always getting lost in the twisted maze of suburban back streets, and would often end up in the same place I started without ever having made a turn. That always kind of freaked me out. But that isn't what kept me away for the last few years, it's just that, well, it's Golden. Golden is the place where Coors is made, and I don't care much for Coors. Apparently Golden is also "Where the West Lives!", though that argument could be made for at least twenty other Colorado towns. The School of Mines is there, too, but all I know about that is they painted an "M" on the hill above town; I see it when we drive up into the mountains. I don't dislike Golden by any means, I just haven't had any reason to go. Until now.
It's now. The Google map image is burned into my mind. I am determined not to get lost. I turn off Johnson Rd. and swerve into the traffic circle. Undaunted by this annular anomaly, I veer onto South Golden Rd. but am thwarted by road work. It is dark. I take the only other option available, but it seems to point into the twisty street labyrinth. Ugh. I look up and check the sign as I pass: East Rd. That's what I want! I can't believe it, and though in my excitement I do pass the Dominos that will cue me to our night's destination, after only a few blocks of wandering, and a simple illegal U-turn, I find my way back.
I park and we round the corner of the strip mall where we do find it. Makeshift banners cover the old neon lettering below, but the red glow of a still burning "China Star" shines right through, making the banners virtually unreadable. I smile at another poorly signed restaurant. I tend to like poorly signed places, and I have a feeling I am going to like it here. Other banners hang over the "for lease" sign outside this newly christened restaurant. Each banner has a different name, giving a brief look into the evolution of the place. "Empanada Express". Or "Empanada Grill". Or "Empanada Express Grill." Or "Empanada Express at Empanada Grill". I smile. I have arrived at the only exclusively Venezuelan restaurant in the entire
Front Range and therefore I would safely assume, the entire state.
Here we are, "..m..a..a..Exp..es"
I say that with confidence not because I have thoroughly researched Venezuelan food in
, but because my new friend told me so. He is a Venezuelan who has spent most of his life here in Colorado . It's not too often that a place like this surfaces, so even though he was just here the week before, he and his wife were more than happy to meet us and give us a proper Venezuelan food education. Colorado
Empanada Express Grill, as I think it is officially named, serves primarily empanadas and arepas. We all know empanadas, as every country south of our border has a version. Venezuelan empanadas are made from a corn masa and are for the most part deep fried. They are light, flaky and crispy. They are stuffed with good things like shredded beef, black beans, fried plantain and cheese, also know as Pabellon Criollo. That was my favorite of the empanadas that I tried that night, but also good was the Mechada, shredded beef in a savory tomato sauce. The other close second was filled with Rajas, which are slices of Poblano peppers.
The Venezuelan arepas are a lot like pupusas from el Salvador: thick, puffy corn masa sliced open and stuffed. Arepas, however, are stuffed after cooking, unlike the pupusas, which are stuffed then fried. I like this because the stuffings stay fresh and it makes a great contrast to the crisp and fluffy masa. The arepas here are also baked instead of fried, which is actually somewhat common in Venezuela. They do, however, brush it with enough oil to keep it crisp and keep it from being too healthy. La Buena is a great option: carnitas with cheese and avocado. So are just about any of the rest I would think.
The Venezuelan arepas are a lot like pupusas from el Salvador: thick, puffy corn masa sliced open and stuffed. Arepas, however, are stuffed after cooking, unlike the pupusas, which are stuffed then fried. I like this because the stuffings stay fresh and it makes a great contrast to the crisp and fluffy masa. The arepas here are also baked instead of fried, which is actually somewhat common in Venezuela. They do, however, brush it with enough oil to keep it crisp and keep it from being too healthy. La Buena is a great option: carnitas with cheese and avocado. So are just about any of the rest I would think.
While the empanadas and arepas make up most of the menu, there are some side dishes that truly shine on their own. The fried plantains were incredible. There was also some breaded and deep-fried cheese which was, well, like fried cheese sticks, only they were called tequeños. But put some of the Venezuelan spiced mayo on it and they quickly become addictive. The highlight of the starters we had were the Cachapas. Cachapas, besides being a fun word to say, are delicious corn pancakes with tons of sweet, whole kernels topped with melted cheese and butter. (Again, with your health in mind.) Everything was washed down with the way-too-sweet strawberry-flavored soda, Frescolita. Before placing our order, I asked my friend what it was, and I knew I wouldn't like it, but the way his eyes lit up with nostalgic excitement made me what to give it a try. It tastes like carbonated bubble-gum.
Tequeños y Cachapas
Everything about the Empanada Express Grill was great. Our food was fantastic and the co-owner Ramon, who that night was simultaneously acting as server, bus boy, cook and babysitter; was friendly, albeit understandably slow. The lack of haste in our meal was actually refreshing, and although the whole dinner took a little more than two hours, we always had at least one plate to munch on. And what made his patience even more endearing was that we didn't leave until 9 pm, later realizing he closes at 8 pm. There was absolutely no pressure to leave. He even comped us a dessert that I ordered after we said we were done, interrupting him while he painstakingly calculated our bill by hand (his kid was busy on the computer). I'm glad I asked for that flan, because it was the best flan I have ever had in my life. It was covered in toasted coconut and it was absolutely divine. I am only a little upset that, having eaten more than my share of flan over the years, that this was the first time I've had coconut flan.
So I learned a lot about Venezuelan food that night. I also learned that Golden has food good enough that I don't mind driving there just to eat it. I'll never not think of Golden the same again.
And back to the name. To be truely descriptive, they would likely need to take out the "express" part. So kick back and relax. The kid running the counter sure doesn't care if you're in a hurry so don't expect too much, except good food and friendly people in a cozy environment. In Golden. Enjoy. Besides, you didn't drive all the way out here because you were in a hurry.
Empanada Express Grill is located on the corner of 24th and Ford St in Golden, but don't get that confused with the actual address of 2600 East Ave, or that Ford St is really South Golden Rd. And whatever you do, don't get lost in the twisty streets. As there is no readable sign as of yet, look for the Dominos, and go around the corner to the left.


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FORT COLLINS, Colo. (KDVR/CNN) - The owners of a costume store in Colorado are hoping a woman dubbed the "beauty bandit" will be caught after she allegedly stole two wigs that could have benefitted cancer patients.
Marcia and Brandon Lilly own The Life of the Party, a costume store in Fort Collins, that they say is home to the largest selection of wigs in northern Colorado.
The couple says on July 9, a female customer wearing a pink T-shirt ripped them off after spending nearly an hour in the store. The woman allegedly bought a pair of tights then asked to use the bathroom.
"She seemed very nice. She was asking about our kid. She was asking about the store," Marcia Lilly said.
But Marcia Lilly says the woman was just waiting for the right opportunity. She allegedly stole two wigs.
"You could very distinctly see her in the camera look and see that I was on the phone and then make the decision to go," Marcia Lilly said.
The wigs are not just a monetary loss for the business but also a loss for people in need.
"One of the companies we carry, they donate. For every wig they sell or we sell, they will donate a wig for free to a cancer patient," Marcia Lilly said. "It's not just taking from us. It's taking from people in need who couldn't maybe afford a wig otherwise."
The Lillys are hoping someone in the community will recognize the "beauty bandit" from surveillance footage and help get her off the streets.
"Keep an eye out, but be aware: she's probably wearing a wig," Brandon Lilly said, jokingly.
Officials are asking anyone who may have information on the case to call Larimer County Crime Stoppers.
Copyright 2019 KDVR, Tribune, The Life of the Party via CNN. All rights reserved.


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City of Punta Gorda, FLHome Menu
Quick Links
Calendar Meeting List
Planning Commission
- Date: 11/25/2019 2:00 PM - 3:00 PM
- Location: City Hall
326 West Marion Avenue
Punta Gorda, Florida 33950
Meets the 4th Monday at 2:00 p.m. in City Council Chambers. City residency required. Seven member board with two alternate members. Three year terms - maximum of three terms. Makes recommendations to City Council with regard to amending, extending or adding to the Comprehensive Plan for the physical development of the City, platting or subdividing land within the City and adopting and amending a zoning ordinance.Return to full list >>


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|The authors own nothing. Joss, UPN, WB, etc. own Buffy, the show, the characters, the places, and the backstory. The authors own any original plots.


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Marianne - Earrings in glass and sterling silver - Floral jewelry - Gift for women - Red roses
Very limited edition - only 5 pieces available.
Length: 5cm
Glass bead: 14mm
Materials: sterling silver, garnet and glass
Colours: white, garnet, red
Flowers: garnet roses, quartered red roses, white anemones
The bead and all the flowers were created in glass, in our Parisian workshop!
~~ Gift Wrapping ~~
All my jewellery comes wrapped up ready to be gifted!
~~ General Info ~~
All metal chain and findings are sterling silver.
Each piece of jewellery is stamped with my 'jewellery maker's stamp' which is obligatory in France when using precious metals. This stamp is unique (each jewellery makers has his own), so only my jewellery is marked by it!
Also, all necklaces and bracelets are signed with my little sterling silver signature tags (see photo).
I create all the glass beads featured in my jewellery one by one. I love to develop and work with multiple glassworking techniques to create 3D nature-related elements, mainly varieties of glass flowers, submerged in thick layers of clear glass to amplify all the tiny details. The flowers and butterflies wouldn't be anything without the colours, which I intensively study all the time to create one magical colour combination after another.
All my glass beads are annealed and cleaned properly and made by me on 1/16 mandrels with CiM, Lauscha, Effetre and Vetrofond glass.
1-2 business days
Buyers are responsible for any customs and import taxes that may apply. I'm not responsible for delays due to customs.
Just contact me within: 14 days of delivery
Ship items back to me within: 30 days of delivery
But please contact me if you have any problems with your order.
Because of the nature of these items, unless they arrive damaged or defective, I can't accept returns for:
Buyers are responsible for return shipping costs. If the item is not returned in its original condition, the buyer is responsible for any loss in value.


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"Christmas: it's not the giving, it's not the getting, it's the loving." - Garfield
I'm Admin of AllThingsChristmas Forum - Click Here to Message Me with questions or if you need help!
Smashing Tink
Thanks everyone for your lovely comments, I'm now *blushing*...
We've finished the living room tree, just have the ceiling light dec to make...so thats for today..
Merry Christmas to all...
That is amazing
Looks beautiful
I love the tree in the kitchen! Very quirky and unusual, just how I like Christmas decorations to be! :D


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With some futzing I did manage to get the AT-ST to stand, but its not super kid friendly.
I've read reviews citing the legs on the AT-AT don't stay connected too well which won't be good when my 3 1/2 year old starts playing with it. I'm hoping it won't be an issue.
With the clearance started, the end is officially arriving. So long GH- it was fun while it lasted.
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text: ARLINGTON, Texas -- Yu Darvish brought the heat to win for the first time in eight starts and the Texas Rangers squeezed out a series-clinching victory. Air Max 270 Be True Pas Cher . Relying heavily on his fastball, primarily a four-seamer, Darvish struck out eight in 6 2-3 scoreless innings and the Rangers scored twice on a squeeze bunt in a 3-2 victory over Mat Latos and the Cincinnati Reds on Sunday. "His performance was good. He was going against another good one, and they matched zeroes," manager Ron Washington said. "Once we put the runs on the board, Darvish did what we needed him to do. Looked like the same Darvish to me." The Rangers finally scored against Latos (7-2) in the fifth when Elvis Andrus bunted. Latos made a barehanded grab and scoop in one motion. The toss home hit the earflap of Engel Beltre, who was still on the ground when Leonys Martin also scored for a 2-0 lead. "It was just a reaction. He bunted it pretty hard. I felt I could make a play," Latos said. " As I look back, I should have held on to the ball." Darvish (8-3) won for the first time since May 16, ending his longest professional winless drought -- in his two years with the Rangers or seven in Japan before that. The right-hander was 0-2 with a 2.93 ERA in those seven games, when Texas scored only 12 runs while he was on the mound. "As a starter, if the team doesnt win the day that you pitch, that can be really frustrated, so that was my thing," Darvish said through his translator, though he insisted later he wasnt overwhelmed by the winless streak. "I was thinking how I could live day by day, and nothing really special." The AL West-leading Rangers have won 10 of 13 games since a six-game losing streak. Cincinnati has lost seven of nine. Darvish threw 77 of 117 pitches for strikes on a sunny afternoon when the game-time temperature was 90 degrees-- 10 degrees cooler than at the start of Friday nights series opener. While increasing his majors-best strikeout total to 151, he walked four and scattered four hits with only one 1-2-3 inning. There was an 11-pitch at-bat in the first inning against Brandon Phillips, who didnt get a breaking ball while at the plate. The first ball didnt come until the ninth pitch, and he eventually struck out to end the inning. That set a tone for what Darvish was trying to do. "I just wanted to shut all the people up that were talking about my fastballs," Darvish said. "I love when he throws more fastballs," shortstop Andrus said. "I think that he gets a little tougher. Thats when his slider works way better too. He did a great job of keeping us in the game. ... When youve got your ace out there, you always want to win and score some runs early so he can feel better." Joe Nathan, the fifth Texas reliever, pitched a perfect ninth for his 27th save in 28 chances. Latos, 21-6 in his 50 career starts for the Reds, struck out nine and walked two in 6 2-3 innings. He gave up three runs, two of them earned. Beltre led off the fifth by dragging a bunt past the mound for a hit before Martins hustling double. Martin extended his hitting streak to 14 games, matching the longest by a Rangers player this season, on the hit to right-centre when he slid inside of second base and reached back to grab it while avoiding the tag. When sliding into home, Beltre couldnt steer clear of the ball that ricocheted off his head, nor could he avoid the hard collision with catcher Devin Mesoraco trying to block the plate. "I figured Andrus would be aggressive so I called for a first-pitch slider. To his credit, he got the bunt down," Mesoraco said. "With the speed they had on the bases, it didnt have to be a perfect bunt." Martin scored and Andrus wound up at second before trainer Jamie Reed and Washington were able to check on Beltre, who got up and walked back to the dugout a couple of minutes later and stayed in the game. Martin led off the seventh with a single, stole second and scored on a bloop single by Nelson Cruz. Robbie Ross got the last out of the seventh after taking over for Darvish. Tanner Scheppers made his team-high 39th appearance, after three days off, and threw only two of his nine pitches for strikes. Scheppers walked Zack Cozart on four pitches in the eighth and gave up consecutive singles to Joey Votto and Brandon Phillips before going to a 2-0 count against Jay Bruce -- and being relieved by Neal Cotts. Jay Bruce and pinch-hitter Chris Heisey had consecutive sacrifice flies. NOTES: The Rangers are off Monday, their only off day this season that will come in the middle of a homestand. ... Texas finished June at 14-14. ... Cincinnati has played twice at Rangers Ballpark. The Reds also lost two of three games in 2002. ... The Reds sixth ended when first baseman Mitch Moreland backhanded Xavier Pauls grounder and threw to second to start a double play. Moreland hustled back to take the relay throw at first when Darvish wasnt yet at the bag. Air Max 270 React Winter .The 24-year-old quarterback spent four seasons at Northern Illinois and in 2013 was a finalist for the Heisman, which is awarded annually to the most outstanding player in U. Air Max 270 Ultramarine Pas Cher . -- ETwaun Moore had 14 points in 30 minutes, and the Orlando Magic defeated the Detroit Pistons 87-86 on Sunday night. http://www.airmax270reactpascher.fr/fausse-air-max-270-2021/fausse-air-max-270-just-do-it.html .com) - In the absence of Dwight Howard, Donatas Motiejunas had a career night to keep the Houston Rockets winning streak alive.ALLENTOWN, Pa. - Taylor Leiers goal at 11:08 of the third period stood up as the winner as the Lehigh Valley Phantoms edged the visiting St. Johns IceCaps 4-3 on Saturday in American Hockey League action.Andrew Gordon, Kevin Goumas and Petr Straka also scored for the Phantoms (20-16-5), who halted a three-game slide.Will ONeill had a pair of goals for thhe IceCaps (18-21-6) and rounded out a three-point night with an assist on a goal from Carl Klingberg. Air Max 270 React Bauhaus. Martin Ouellette made 23 saves for Lehigh Valley as Connor Hellebuyck turned away 26-of-30 shots for St. Johns.The Phantoms went 0 for 2 on the power play while the IceCaps scored twice on seven chances with the man advantage. ' ' '


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I was born in 1976, so I wasn't alive when Dennis Hopper blew minds around the world with "Easy Rider." When I was old enough to finally watch it, I hated it. But that makes sense. "Easy Rider" was a movie made for a very specific time and a very specific set of people, and I wasn't one them.
Virtually every memorial of Hopper in the days since his passing has cited "Easy Rider" as his most noticeable work. But if you're my age, you probably don't care about "Easy Rider" at all. It's certainly not why I think of Dennis Hopper so fondly. I think of him as the tireless character actor who appeared in dozens of movies and was memorable in virtually all of them. Hopper did his fair share of crummy movies, but that was kinda what made him great. Bad movies get made all the time. Hopper was nice enough to participate in a few of them to help make them less bad. The world needs actors like that, people who brighten up a crummy film from time to time with their own particular oddities. I even remember him in "Boiling Point." There is nothing memorable about that movie, but I still remember Hopper was in it, and he was as good as he always was.
So it's easy to immortalize Hopper for "Easy Rider" and "Apocalypse Now" and "Blue Velvet" and "Hoosiers." But let's accept those roles as a given in his legacy. Instead, I want to talk about the four other roles of his:
True Romance: This movie never came up in the critics' remembrances, which annoys me because there isn't a guy my age that can't recite the Walken/Hopper scene from this movie verbatim. It's a masterpiece of acting, a daring scene that features ugly race baiting, brutal violence, and a then-unknown James Gandolfini hovering in the corner. Watch it a hundred times, and you can still feel the uneasy tension between Walken's mob boss and Hopper's cop/dad. These were two of the strangest (in a good way) actors to ever grace the screen, and together they created a duet few actor pairings have ever matched.
The Crazy Nike Ref: There are people who loved these ads without even having seen "Apocalypse Now." Bad things, man.
Red Rock West: Hopper was always at his best playing dirtbags, probably because he was known to be quite a shady fellow himself. There was always a sense that Hopper himself was capable of all the things his nutjob characters did, and that's why he threw you for a loop any time he walked into a movie. Like this tiny little Nicolas Cage noir no one saw. It's an awesome movie, and it features Hopper AND JT Walsh, two now deceased masters of playing shady fellows. When Cage says to Hopper "I am better than you" at the end, you feel Hopper more than earned the insult.
Speed: And what a great death. Few people get their heads knocked clean off the way Hopper did.
Those are the Hopper roles I remember best, but you're almost certain to have your own. That's the amazing thing about Hopper. He had such a full career that he means something different to anyone who ever saw him, and that's a heck of a legacy for any actor.
Four Great Latter Day Dennis Hopper Roles
I was born in 1976, so I wasn't alive when Dennis Hopper blew minds around the world with "Easy Rider." When I was old enough to finally watch it, I hated it. But that makes sense. "Easy Rider" was a movie made for a very specific time and a very specific set of people, and I wasn't one them.


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Why Drake Renovations?
"I recognize that behind every project, there is a family being affected," says Steve Drake, owner and craftsman at the helm of Drake Renovations, Inc. "I intentionally keep my business small in order to maintain the personal touch, and I only hire sub-contractors who I would have working in my own home."
Drake focuses on one project at a time—YOURS!
Drake's Promise
- Workmanship is guaranteed for one full year; please call for details (520) 907-3407
- Prompt response to warranty work
- Flexible project scheduling around your lifestyle needs
Drake Renovations is rated A+ by the Better Business Bureau
EPA Lead Renovator Training Program
WalzCraft Cabinet RefacingTraining Academy


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5. Pest Control Inc. will note all findings and sighting on a diagram.
6. Pest Control Inc. will offer recommendations to lessen the potential for future termite damage
7. Provide a complete estimate to show you just how inexpensive Pest Control Inc.'s termite treatment can be.
8. Explain Pest Control Inc.'s simple and comprehensive South Willington Termite Control Plan, $250,000 repair guarantee and renewable protection.
9. Review our customer agreement with you.


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Easy. Complete. Safe.
An on-premise enterprise file sharing solution for mobile, Mac and Windows that helps enterprises break down barriers between people, information, privacy and security. Acronis Files Advanced balances employees' need to use all their devices to be productive with the organization's need for data security, visibility and compliance.
Acronis' easy complete and safe solutions enable organizations to more efficiently access and share their content and files with colleagues, partners, customers and other constituents. Across a wide array of mobile devices, Macs, and PCs, Acronis makes sharing and accessing corporate content and files easy and safe.
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|"Are you a wizard or not?"
The title of this article is conjectural. Although it is based on canonical information, the actual name is a conjecture and may be supplanted at any time by additional information released from canonical sources. If this occurs, please move this page to the appropriate title.
- "There was a bang and Ogden was on the ground, clutching his nose, while a nasty yellowish goo squirted from between his fingers"
- —Morfin Gaunt casting this spell on Bob Ogden[src]
This unidentified spell (incantation unknown) was a dark charm that caused pus to squirt from the victim's nose.[1]
It was used by Morfin Gaunt on Bob Ogden when the latter visited the Gaunt shack in the 1920s. After having warned Ogden to go away (albeit in Parseltongue), when Ogden refused to listen Gaunt cast the spell, cackling with laughter at the sight of Ogden on the ground. After Gaunt's father, Marvolo, arrived and sent his son into the house, Ogden first dabbed at his face, then pointed his wand at his nose (which was still issuing large amounts of what looked like yellow pus) and the flow stopped at once.[1]
- Harry Potter and the Half-Blood Prince (First appearance) (Appears in flashback(s))


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Gov. Jerry Brown made the right call in vetoing legislation that would have criminalized what has been standard practice in California for 100 years: paying petition circulators a fee based on the number of signatures they generate.
But let's hope this isn't a dead end for the cause of initiative of reform. It should be a beginning.
As explained earlier in Prop Zero, this proposed ban on pay-per signature, Senate Bill 168, would have made the already too-costly signature gathering process even more costly (because per-signature pay is more efficient, and produces more signatures, than volunteer or pay-per-hour signature gathering).
U.S. & World
In his veto message, Brown also worried that the legislation was so broad -- in banning any kind of compensation based on the number of signatures gathered -- that it could effectively criminalize any kind of gathering, since even volunteers would use quotas or productivity goals for signature campaigns.
That said, the initiative process in California, including signature gathering, is ripe for reform that's more thoughtful and carefully crafted.
Proponents of this vetoed legislation are worried about fraud and security in the process; among the ways to addressthat would be developing more thorough checking procedures on signatures, providing voters who sign with receipts, or legalizing on-line gathering, which appears to be illegal under current California law.
The state also badly needs to take steps to integrate the initiative process -- now used to circumvent the usual system of checks and balances -- with California law.
Initiatives should be forced to live within the budget, and should be subject to the same rules, reviews and hearings of ordinary law.
Other states and countries with initiative and referendum (direct democracy is on the rise around the world, particularly in Europe) offer a variety of models that would be an improvement on what California has.
This veto should be the beginning of a broader conversation about reform, not an end.


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Forsyth County Public Library cardholders have access to resources that will help prepare you to take full advantage of today's changing job market. Within these resources you will find effective solutions for your job searches, household budgeting needs, how to retool yourself into a new career, how to network and many more topics critical to getting you back-to-work.
Do your research
Researching a trade or industry while job searching will help you narrow down companies and trends important to the line of work you would like to do.
The most comprehensive ABI/INFORM™ database, this comprises ABI/INFORM Global, ABI/INFORM Trade and Industry, and ABI/INFORM Dateline. Its international coverage gives researchers a complete picture of companies and business trends around the world.
Hoover's, widely recognized as a leader in company data, delivers in-depth industry analyses, information on a company's location, summary financials, top competitors, top officers and more.
ProQuest Career and Technical Education
ProQuest Career & Technical Education is the definitive source for vocational information.
Brush up on your skills
Whether you are in between jobs or looking to switch to a different career track, brushing up on relevant skills is a great way to prepare for filling out a job application or going on an interview.
Build up your basic skills such as reading, writing, and math, through Learning Express Library. The Career Center will help prepare you for a career exam, explore different careers and keep abreast of key workplace skills.
Searching for Jobs
Many job openings are not advertised on job sites, these resources help you tap into the "hidden" job market.
Meet with us. Call (336) 703-3023 or email to set up a one-on-one meeting to learn how to use library resources in your job search.


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In a move that seems like a win-win for both companies, Google and Intuit are partnering to give small business owners the ability to create AdWords ad campaigns, get their businesses listed on Google Maps, and selling products via Google Base. Under the terms of a deal announced today, small businesses buying QuickBooks 2007 will have access to a number Google features from within the software.
Along with easy access to Google features, QuickBooks 2007 will also come bundled with Google Desktop. A tweak in the search application will ensure that QuickBooks data can only be accessed by Google Desktop when the search is initiated from within QuickBooks.
According to Google, less than half of businesses using QuickBooks have any sort of online presence. The search giant hopes to change that by creating simple "notecard" pages for such companies, as AdWord click-throughs need somewhere to go. QuickBooks 2007 users will be able to easily create AdWords accounts with information supplied by the application, and will receive a $50 credit towards Google services.
"By adding key Google services into the world's most popular accounting product, we're making it easier than ever for small businesses to find and use all of the tools available to them," said Google CEO Eric Schmidt.
Unlike some partnerships and acquisitions that leave us scratching our heads in wonderment, this one makes good sense because it ties together core products and services of the companies involved. Despite being best known for search, Google makes most of its money off of advertising. Making AdWords easily accessible from within QuickBooks 2007 gives Google a large number of potential new customers. Getting small businesses on the web easilyeven if it's only in the form of a "postcard" placeholderwill make Google's local search more attractive to users. For Intuit, the partnership gives customers a more compelling reason to upgrade to the newest version of one of its flagship products.
QuickBooks 2007 will be released later this fall.


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Find out why Horace Mann is right for you.
Having an up-to-date home inventory can help if you ever need to file a claim.
If you needed to file a claim on your home because of a fire, tornado or some other disaster, would you be able to list all of the missing or destroyed items? Try this exercise: Pick just one of the rooms in your home; then, make a list of everything in it. Now, go into that room and see what's actually in it. Did you forget any items? What about that silver platter in the back of the hutch in desperate need of polishing?
Having an up-to-date home inventory can help if you ever need to file a claim. It may sound overwhelming, but it doesn't have to be.
Once you have your inventory complete, share it with your insurance agent to make sure your belongings are properly covered.
Visit the HMConnection page to read more articles.
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|System: X360, PS3, PC
|Review Rating Legend
|Dev: Danger Close/DICE
|1.0 - 1.9 = Avoid
|4.0 - 4.4 = Great
|Pub: Electronic Arts
|2.0 - 2.4 = Poor
|4.5 - 4.9 = Must Buy
|Release: Oct. 12, 2010
|2.5 - 2.9 = Average
|5.0 = The Best
|Players: 1-24
|3.0 - 3.4 = Fair
|ESRB Rating: Mature
|3.5 - 3.9 = Good
by Leon Hendrix III
March 25, 2010 - Back in the days before Call of Duty: Modern Warfare rappelled it's way to the top of the video game battle-sim pile (it's so high up it had to find the way down to the top of the pile) there were several war games vying for the affection of virtual soldiers. The original PlayStation and the PS2 hosted some of the tightest gaming clashes as developers fought inch by inch to sink their bayonets into the consistently shifting "battle" games market. They were good times for gamers; plenty of still popular franchises like Call of Duty, Rainbow Six, and Ghost Recon made their mark with strategic and varied gameplay and tense realism. The first-person shooter genre was booming and fans had a lot of choices.
The original Medal of Honor debuted in 1999 on the PSone and gave gamers enough reason to stick with the franchise for a while despite a spotty array of games. Few games can claim the range of effective (and ineffective) games that the MoH series has and still walk away with a loyal following. Similar to the 2K games vs. EA Sports debates of the last decade of gaming (before EA gobbled up the NFL license), there was a time when Medal of Honor was comparable to Call of Duty and actually cost fans some serious gray matter when it came to picking a favorite. With the shift to the current generation there was a new class of war titles, and WWII titles lost their appeal with the advent of modern era shooters like Advanced Warfighter or Rainbow Six Vegas. The gaming public and developers took a lax attitude toward the 'Nazi-killin' bidness' and franchises like Medal of Honor, which heavily or completely relied on WWII, faded into the history books.
With the success of FPS and third-person shooters set in the modern era-Army of Two, Modern Warfare, Battlefield: Bad Company-the big wigs at EA have decided to reenlist their old warhorse. It's not hard to see where it takes some inspirations, but Medal of Honor may bring something new to fans and Modern Warfare junkies alike.
Medal of Honor is set for release this fall and early preview builds and media have been pretty sharp. Developer EA Los Angeles has shed the Axis powers and is focusing on the 'Axis of Evil'. Curiously, though the main single-player campaign will be developed by EA Los Angeles, DICE (developers of the well-received sandbox action in Battlefield: Bad Company and Bad Company 2) will be working to develop the multiplayer. It will be interesting to see how the two developers balance their respective styles, but both have the track record to suggest some great gameplay. It's definitely something to get excited about, but there are a lot of things to work out and there isn't much information on either at this point.
The story concerns a group of beyond-Black Ops agents who are called in to deal with situations to dangerous for even Special Forces to deal with. The members of this elite group are highly classified, respond directly to the National Command Authority, and number among the most dangerous and highly trained operatives in the world. They where no uniforms, follow their own rules, and get things done, and players will step into the GI boots of a Tier 1 operative on the ground in Afghanistan.
EA Los Angeles has worked alongside the US Armed Forces to ensure that things are as accurate as possible. Early demos and reports showcase the games heavy focus on stealth and strategic formations, but also demonstrate a big emphasis on squad effectiveness and action. Unlike games like Modern Warfare, which center themselves on dynamic (and very pretty) action set pieces, MoH might strike a balance between slow, methodical gameplay and more frenzied battles. In one type of stage, gamers may use the shadows to slink through the hills and take out enemy patrols, and in others your squad will gun down foes on the run as they chase objectives or launch fast, aggressive offensives. The design philosophy so far seems to be to keep gamers on their toes. Switching characters, communicating with commanding officers and supervisors at HQ, and varying objectives and opponents will all play some part, though it's still unclear how they will affect the gameplay experience.
Visuals seem to take a big cue from some of the popular modern era shooters of the current-gen systems, appropriately enough, and sound design and enemy AI has impressed demo players in the past weeks. It's been a while since Medal of Honor played in any war games, but they're taking inspiration from all the right places. Keep an eye on this one.
Leon Hendrix III
CCC Freelance Writer
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