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Easter week in Sevilla is world famous – but there are Easter processions in cities and towns all over the country, not just in the south.
This page has some tips to find some of the "other" celebrations. Just a selection, as there are many, many more. Sevilla and other big cities in the south are not included because they get lots of space elsewhere.
Special spotlight on the Castilla-Leon region (most of the north-central plains). In addition to some great Easter processions, Castilla-Leon has lots of other cultural sights to keep you busy when the processions aren't happening. The region also has fabulous food and is quite near Madrid, so if you decide not to go at Easter do take note for another time.
But first: do you know how the date for Easter is calculated? It's the first Sunday after the first full moon after the vernal equinox. (read that slowly and you'll get it). Easter can happen anytime from March 22 to April 25.
- Palm Sunday: April 5
- Holy Thursday: April 9
- Good Friday: April 10
- Easter Sunday: April 12
- Easter Monday: April 13
Easter week vocabulary:
- paso: Carved statue on a platform, usually carried but can be on wheels
- confradia: Groups sponsering different pasos, different saints, or from different chuches. Can have friendly or less-friendly rivalry with another confradira
- encuentro: Encounter between two different pasos, something to watch for as paso bearers can make their paso dance or sway to greet the other paso.
- tamborrada: drumming. Sometimes in a procession, sometimes just ongoing thunder for several days in a row. Frequent in Aragon region (Teruel and Zaragoza provinces).
- Picao / empalao: traditions where pentitents in a procession walk barefoot, beating own backs with cords (picao) or barefoot with arms tied to a pole (emaplao)
Below are some places with interesting Easter celebrations. Check at local tourism offices or online for exact details for year you are visiting (usually there aren't many changes but it can happen).
A bit of everywhere: Alcañiz, Hijar and Calanda (all in Teruel province): for the tamborrada. Cuenca, for the "Calvario" procession early Friday morning. Baeza (Jaen) at midday on Good Friday several pasos meet. Jerez de la Frontera (Cadiz), for the Palm Sunday procession. Lorca (Murcia) for its unusual Friday procession. San Sebastián, for its festival of sacred music. San Vicente de la Sonsierra (Logroño) for the picaos. Toledo, for its silent procession. Valverde de la Vera (Cáceres) for the Thursday night procession with empalaos. In addition to these celebrations during Easter week, lots of places have special celebrations on Easter Sunday, Easter Monday and even Easter Tuesday, and others celebrate the Sunday after Easter; this last date is celebrated in Fregenal de la Siera in Badajoz, Fromista in Palencia, Palma de Mallorca, San Vicente de la Barquera in Cantabria (depending on tides!).
Spotlight on Castilla – Leon If you've seen Easter in other parts of Spain, visiting Castilla – Leon will let you compare and contrast the celebrations – and if you haven't seen other Easter processions, this is a good place to start. And this nearby region is often overlooked, there are some wonderful places waiting for your visit.
Where to go? Castilla – Leon's nine provinces cover most of north – central Spain, from the Guadarrama mountains north of Madrid to the mountain chains near the northern coast. All the provincial capitals have processions, as well as many smaller cities and towns. The government of Castilla – Leon has evaluated the tourist interest of the celebrations (evaluation is used below), but even the lesser-known processions are usually good – and may be more interesting because they're less crowded or feel more authentic than the opulent processions of the major destinations.
Provincial capitals with the"most interesting" celebrations, usually with processions from the Friday before Palm Sunday to Easter Sunday
– Leon Good Friday, morning, start of a long procession, has an encuentro in the Plaza Mayor. Easter Sunday, another morning procession with an encuentro, doves released before Mass.
– Salamanca Holy Thursday, procession that crosses Roman bridge. Good Friday, four evening processions.
– Valladolid pasos by Gregorio Fernández, an outstanding sculptor from the 17th century. Encuentro processions on Tuesday, Easter Sunday. Seven processions Thursday night, three starting at midnight. Doves released Easter Sunday.
– Zamora: Wednesday, Silent procession. Good Friday, very early in the morning, Jesus Nazareno procession, leaving the church is considered one of the best moments of Zamora's Easter; same procession has an encuentro. Easter Sunday, encuentro in the Plaza Mayor. (tip: if you visit Zamora at another time, be sure to see the Easter Week museum. You can see the pasos close up and even (though don't quote me) peek under the curtain around the bottom to see where the paso bearers do their thing)
Provincial capitals with celebrations considered "less interesting" by the regional government (don't let that put you off, check out Segovia description of torchlight procession) . Some cities have processions all week, others don't.
– Ávila: Wednesday night: Cristo de las Batallas procession around the medieval walls. Good Friday, very early morning, Via Crucis around the walls.
– Burgos: Thursday night, procession with encuentro. Good Friday, daytime procession near the castle. In Palencia: Tuesday evening, the Arrest of Jesus, where one of the brotherhoods takes the paso from the Cathedral. Good Friday, very early morning, Silent procession. Easter Sunday, procession with encuentro and lifting of the Virgin's veil. In Soria: Thursday night, Silent procession.
– Segovia Thursday night, seven processions, one by torchlight. Good Friday, procession from the Cathedral down to the Aqueduct. Santo Entierro procession, from outlying neighborhood Zamarramala to mysterious Vera Cruz church, on outskirts of town under the Alcázar (this is considered one of the best of Segovia's Easter).
Smaller cities and towns with interesting celebrations, most with interesing things to see nearby.
Burgos province: Passion plays usually held in Lerma and Covarrubias. Aranda de Duero: Peñafiel: child suspended over the street like an angel removes a veil from the statue of the Virgen on morning of Easter Sunday, other processions during the week
Leon province. Astorga: Morning of Good Friday, Procession with meeting of two pasos ; also San Juanin, where a small paso is run around a square, symbolizing the race to tell the Virgin about the death of her son. Processions the rest of the week. Ponferrada, especially for Friday procession. La Bañeza, especially Wednesday and Friday processions.
Palencia province: Carrion de los Condes
Valladolid province: Medina de Rioseco, Medina del Campo, Tordesillas. Peñafiel: child suspended over the street like an angel removes a veil from the statue of the Virgen on morning of Easter Sunday, other processions during the week
Salamanca province: Ciudad Rodrigo. Passion plays usually held in La Alberca and Candelario.
Soria province: Burgo de Osma. San Esteban de Gormaz.
Zamora province: Toro
For more information: Here is a selection of websites – there are more, any search engine will turn up a lot, though not all have full information in English. Sometimes they update late (alas) so be sure you're looking at information for current year
All nine provincial capital cities: http://www.elnortedecastilla.es/semanasanta/
Ávila: http://www.juntasemanasanta-avila.com/
Leon: http://www.semanasantaleon.org
Palencia: http://www.lainformacion.com/religion-y-credos/Procesiones-Palencia-Semana-Santa-horario-itinerario_0_898410925.html
Segovia: http://www.semanasantasegovia.com
Valladolid: http://www.valladolidcofrade.com/
Zamora: http://semanasantadezamora.com/
Medina de Campo (city in Valladolid province): http://www.semanasantamedina.com
Astorga (city in Leon province): http://astorga.co/es/turismo/semana-santa-de-astorga/


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Before selling used iPhone or any other smartphone to any stranger out there, you need to make sure that all of your personal information is securely wiped. Following are some of the steps with which you can easily sell your phone.
Taking Backup: Before proceeding to trade your phone, you need to back up all your necessary data on your phone. So, you can save your important photographs or documents. With the help of backup, you would be able to restore all the apps, contacts as well as other data.
For iPhone users: If in case you have signed up into the iCloud, then you have less worry as your phone has already backed up your entire data. If you want to cross-check, then you can do this by following: Settings-> Your Name-> iCloud-> iCloud Backup. Make sure that the switch is "ON". But you must also know that the iCloud Storage is limited and it takes a really very long time to download the entire data. So, if you are making your mind to move to a new phone, I recommend you to back up manually to iTunes on your computer. In order to perform this, you can plug your iPhone into your Mac or PC and make iTunes launch. Next, click the iPhone button which is shown in the top-left corner of the toolbar and click "Backup Now" button. No doubt, you need to invest your time in doing all the process, but resultingly, you'll get all the information backed up to your computer. So, your new phone will make you restore the data from iTunes during the initial setup.
For Android Users: As you know very well that there are so many Android phones and you need to discover a lot to be sure that you have backed up important things. There is so much data that is already synced with your Google account. You can also do the automatic backup of the data by following: Settings-> System-> Backup and here you need to make sure that the switch is on. So, all of your data such as app data, call history, device settings, photos as well as text messages will get backed up. So, store these important files for your next new phone.
Deregistering your accounts: Before you remove anything, you must "deregister" your phone from the account. It will not interrupt the new phone owner while activating the phone.
For iPhone users: For deregistering your account from the iPhone, you need to follow: Settings-> Your Name and click on to "Sign out" at the bottom of the screen. It will remove the device from your account. So, the new owner won't have to face any problem.
For Android Users: It would be a good idea to sign out of the Google account if you are about to reset your phone. You can do this by following: Settings-> Users and Accounts-> Google account and then click on the remove account button.
Securely wiping your data: You need to smartly work on your data security by yourself. The entire data should be backed up in a way with the security that no other new owner would be able to recover your personal information. You must know this thing very well whenever you delete a file from your device, it is not erased in actual. The device makes the particular space free so that the next data get overwritten. But we never know if some clever minds try to recover all your data with the software. This eventually means that your personal information is at risk. That's why encryption of your phone is really important if you are making your mind to sell your phones. If you encrypt your device before allowing a factory reset, whatever data leftover on the device will act like a mess to the one who would try to recover it. Obviously, with this, your personal information will remain safe.
For iPhone users: After the launch of the 3GS, every iPhone consists of the encryption. You cannot turn it off anyhow. If you have an iPhone, you can erase your device by following: Settings-> General-> Reset and then clicking on "Erase all content and settings". When you are done with the process, it will show the "Welcome" screen.
For Android users: Almost all of the Android devices are encrypted but it also depends upon the age of the device. So, you can also follow the steps before proceeding to erase the Android-based smartphone. Settings-> Security and then head over to Encryption setting. If you get to know that your phone is already encrypted then its a great news or you can tap on to "Encrypt Phone" to initialize the process.
Ready to Sell!
So, you are done with this long procedure, now it's time to sell your old phone and get the cash! We recommend you to try the BuyBackPros as it is the most trusted brand to sell your electronics. Visit https://buybackpros.com/ today. We follow the very simple, speedy as well as painless process. You'll receive the payment after 2 business days of the inspection.

subset: commoncrawl


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Cambridge, Ontario
August 29, 2017
8:30 a.m. to 4:00 p.m.
Regional Coordination Centre, 150 Pinebush Road, Unit 6
Choices and Changes: Motivating Healthy Behaviors is a 6.5 hour workshop for health care providers to explore
- The Literature
- The Theory
- Techniques
for promoting healthy behaviors. This is a great workshop for health care providers in conjunction with the "Moving Towards Change" workshop with Dr. Michael Vallis. This workshop will be facilitated by Ann Cotton and Tammy Rooke, faculty members with the Institute for Health Care Communication.
Who: Nancy Becker- Hallford, Waterloo Wellington Self-Management Program Lead
Audience: Healthcare Professionals
To register, visit http://www.wwselfmanagement.ca/events/event.cfm?ww_event_eventID=EEC0356....


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Who Will Be Your Judge is a historical mystery thriller that starts during World War II and continues into the 1960s gangland in London. Two small brothers, Billy and Richard, experience a difficult childhood when growing up in the East End. Evacuated from London during the Blitz, they are sheltered at the House of Nazareth and under the control of some vicious nuns. Life there is so bad that they prefer to go back to the bombs of London.
The war, however, claims the lives of both their parents, and they are rehomed once more at Barnardo's until separated by adoption. George Seagrave adopts Richard and takes him to his family in the country, where Richard has to adapt to strict Victorian rules. Billy is claimed by a poor, childless couple in the East End.
As they grow, Billy's dream of becoming a professional boxer vanishes as he develops epilepsy. Bitter and angry, he gets involved in smash-and-grab raids as he promises himself to get out of poverty. He works his way up to become a club owner in the West End. Richard, now a priest, hears about Billy's raids and tries to persuade his brother to give up that lifestyle. It is only when Billy is asked to clear his grandmother's flat – in which he finds a letter that contains a secret – that everything starts to change for both him and Richard.
Publisher: Matador, Aug 2015
Reviewer: Jen Kendell
What a sad story of two little boys. Proving once again what war does to families when they are separated. As you read on you keep thinking if only …… Heartbreaking. The Author, Edie Watney Judd. A wonderful first novel. I was gripped by it and hope there will be more.


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1984: A Novel
Signet Classic, 1977 - 328 pages
Written more than 70 years ago, 1984 was George Orwell's chilling prophecy about the future. And while 1984 has come and gone, his dystopian vision of a government that will do anything to control the narrative is timelier than ever...
* Nominated as one of America's best-loved novels by PBS's The Great American Read *
"The Party told you to reject the evidence of your eyes and ears. It was their final, most essential command."
Winston Smith toes the Party line, rewriting history to satisfy the demands of the Ministry of Truth. With each lie he writes, Winston grows to hate the Party that seeks power for its own sake and persecutes those who dare to commit thoughtcrimes. But as he starts to think for himself, Winston can't escape the fact that Big Brother is always watching...
A startling and haunting novel, 1984 creates an imaginary world that is completely convincing from start to finish. No one can deny the novel's hold on the imaginations of whole generations, or the power of its admonitions--a power that seems to grow, not lessen, with the passage of time.
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Required reading especially nowAvis d'utilisateur - lynnenyc - Overstock.com
One of Orwells finest works he predicted many years ago in his Scifi classic that Big Brother would be watching us all. 1984 used to be required reading in school. I highly recommend this book especially now to everyone!! Consulter l'avis complet
Review: 1984Avis d'utilisateur - Brittany M - Goodreads
Alrighty, I am going to be completely honest at the beginning I completely hated this book. I thought it was extremely boring and very hard to get into. I still stand by that, but even with this book ... Consulter l'avis complet
Références ŕ ce livre
Saccages psychiques au quotidien: perversion narcissique dans les familles
Maurice Hurni,Giovanna Stoll
Aucun aperçu disponible - 2002
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Automation and the future of man
S. Demczynski
Affichage d'extraits - 1964


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Finally I completed this summer blouse for Husna. I used summer blouse pattern from FAIRY TALES FROCK AND LOLLIPOPS. Sounds like we are living in a seasonal country la pulakk...ngeeeeeeeee...
The pattern is easy to follow though not really recommended for beginner.
I almost give up on buttons as I found out that my NV50 couldn't do much on button holes where thick fabric is (due to multiple layers of fabric).
So I ended up with sewing butang ketip (that small tiny metal piece of buttons).
I love how the collar is constructed with ruffles (owh I have this thing with ruffles...I loooove ruffles so much!).
Agak labuh jugak..ok laaa... the best part is my label blends nicely with that blouse colour..suuuukaaa!!!
Okie dokie, that's all for now.
At this moment, I'm busy with Aishah's order..a lunch bag (now, whatlaa i'm doing with bag making <--but it is a true therapy), and 2 dresses for little lady Hana.


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Kevin C. Cox/Getty Images
Photo by Kevin C. Cox/Getty Images
Alabama might have lost quite a few assistant coaches this offseason, but they have been replacing them with some other top notch talent. The Crimson Tide recently promoted Mike Locksley to offensive coordinator and it looks like they're giving him a partner in crime too.
Gattis is a former two-time All-ACC performer at Wake Forest and has spent time on the staffs at North Carolina, Vanderbilt, Penn State and Western Michigan. The 34-year old played two seasons in the NFL for the Chicago Bears after being originally drafted by the Jacksonville Jaguars.
At Penn Statek, Gattis was a receivers coach and the offensive recruiting coordinator.


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On July 16, 2017, General MBA 2016 group of students completed the first year of study. Presentations of individual and group projects, meetings with guest speakers, final exams - these are MBA working days. Thus, upon finishing the course "Organizational Behavior and Leadership", the instructor and the content-leader of the course Elena Kovalchuk, MBA students presented projects on various topics: "Organizational Culture Formation", "Employee Motivation", "Personnel Involvement in Changes in Lean Implementation" and others. It is worth noting that the participation of several guest speakers from companies such as Danone-Ukraine, Perno Ricard in course was certainly very useful, guest speakers shared up-to-date information with MBA students, for example, "7 best ways to attract and retain employees of Z generation", "Value-oriented culture", "Staff selection tools", "What is transformational leadership ".
During the program module in July as part of the course "Human Resource Management, instructor of the course is Natalia Kurdes, was organized a meeting with guest speaker Natalia Nazarenko, HR Director of the STB channel on the topic "Managing staff efficiency". Questions on the matrix of personnel interchangeability, as well as reports on target functions were considered. We are grateful to Natalia for her visit to the BSK, and for a productive meeting with MBA students.
In July MBA students finished the course "International Business", the instructor Tatiana Moseychuk, presenting group projects and writing a final, individual exam. As well the projects on the course "The Strategy of Mini Habits and Healthy Lifestyle" were also presented by the students to the instructor of the course Alena Burdeynaya who is a well-known person in the area of Healthy Way of Life.
Please, find a short photo-report about the last two program modules of the first year of study from the tense MBA students' life. The BSK team congratulates General MBA students with the successful completion of the first year of the program, wishes the group to have a good rest and see you at Business School in September!


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The Cost of Pickups - Whale Watching
Late Model Trucks & Rising Costs
I recently drove a half-ton pickup that was around $60,000. For a 1/2-ton with no out-of-the-ordinary stuff (no diesel, no winch, no wide-body, no four-corner air, or desert-flight suspension), I could get an altogether-decent used V8 Ferrari, M5, or 911.
Granted, that Silverado High Country was quite nice, capable of shaming an outgoing Escalade in some respects. Coincidentally, however, I could build and price a 2015 LTZ-trim Silverado 2500HD with a slightly longer bed in the same four-wheel-drive Crew Cab configuration that would carry 90 percent more real-world payload and tow 2,200 pounds more. Optioned up with most of the power accessories and ventilated/heated seats the High Country had, plus the towing mirrors and forged aluminum wheels it didn't, it was missing little more than a power-adjust steering column, driver memory, and the material upgrades. And it was nearly $4,000 less. Am I buying a pickup or a fancy car with a big open trunk? (Note: All these comparisons were done same day, same zip codes, no incentives, etc.)
I had the same problem when Ram launched the diesel 1/2-ton, and we were rolling around in $53,000 crew-cab short-bed four-wheel-drive Longhorn luxo-liners. You could configure a 2500 crew-cab long-bed basic with Cummins, two levers in the floor and only truck-useful bits like big mirrors and a trailer-brake controller; you get double the payload and towing capacity for $7,000 less. Additionally, you could do an SLT crew-cab long-bed with a 6.4L Hemi, 4.10 gears, rear air suspension, limited slip, forged wheels, real mirrors, and a few conveniences and still be less than that half-ton. It's clearly less lux than a Longhorn and maneuverable than the shorty half-ton, though I don't find that much difference in ride quality loaded.
Ford is not immune to this price dilemma, with $55,000 half-tons overlapping sub-$40,000 Super Duty trucks. Nissan and Toyota are exempt for most purposes because their loaded mid-sizes price right where their lowest trim full-sizes with like cab and drive begin.
And it's only going to get worse with the influx of vans and mid-size pickups. When Chevrolet said a Colorado could tow 7,000 pounds that was already higher than some Silverado V6s. Use a $4,000 premium for a 2.8L diesel and you could easily end up with a Colorado or Frontier that out-tows its fullsize cousin for little to no more money. And where will a Cummins-powered Titan or Tundra fit in here?
A base Colorado extended cab runs $21,000 with a manual gearbox and rear camera, almost $9,000 below a Silverado double-cab WT with automatic but no rear camera; it's $4,500 less if you envision no usable rear seat in an extended Colorado and compare to regular-cab Silverado. However, a Z71 4x4 Crew Cab Colorado short-bed is $35,000—that could get you in a Silverado 1500 or even a regular-cab four-wheel-drive 3/4-ton.
Decisions, decisions.
Like most cars, segment creep has, well, crept into pickups. Two decades ago there weren't 1-tons rated to tow 10,000 pounds, and some of them barely had more V8 horsepower than the four-cylinder Colorado. Now, mid-sizes do 1/2-ton work, 1/2-tons do HD-pickup work, and HD pickups are commercial grade.
And that brings another set of cost factors. How much does it cost for a CDL? What does your insurance agent think of your new semi-in-disguise? What do you think of F-450 tires that cost (see aforementioned price disclaimer) $185 more, each, than the top-rated F-350 (itself essentially a '14 F-450 with a new badge)? Would you rather have more than 15 tons of towing capacity or ride quality based on 80-psi tires rather than 110-psi tires?
I got lucky on my old truck. It required that I pick a spare tire or a rear bumper. I thought the spare more useful, and when I weighed it as delivered, with fuel, it could carry at least a rear bumper more than rated payload. Wouldn't that make a refreshing change?
Skeptical as I am about truck ratings and costs, it could be worse. Researching trailers today, I found one clearly labeled "half-ton towable" that was almost 9,100 pounds empty and boasted a carrying capacity of more than 4,400 pounds giving a GVWR of 13,500. Unless they know something about the 2015 F-150 I don't, that's a 1,500-pound miss in the best case scenario.
I think we need another standard: SAE J2807RV.


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Parkinson's disease could be discovered through eye exams
19 August 2016
Researchers may have discovered a method of detecting changes in the eye which could identify Parkinson's disease before its symptoms develop. Scientists at University College London say their early animal tests could lead to a cheap and non-invasive way to spot the disease. Parkinson's affects 1 in 500 people and is the second most common neurodegenerative disease worldwide.
The researchers examined rats and found that changes could be seen at the back of their eyes before visible symptoms occurred. Professor Francesca Cordeiro who led the research said it was a "potentially revolutionary breakthrough in the early diagnosis and treatment of one of the world's most debilitating diseases".
"These tests mean we might be able to intervene much earlier and more effectively treat people with this devastating condition."
Symptoms of Parkinson's include tremors and muscle stiffness, slowness of movement and a reduced quality of life. These symptoms usually only emerge after brain cells have been damaged. But there is currently no brain scan, or blood test, that can definitively diagnose Parkinson's disease. Parkinson's does not directly cause people to die, but symptoms do get worse over time.


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"Hey, Rob! Help!" The shouts penetrated the sound of the howling wind and crashing waves – and even through the noise it was obvious from the tone of his voice that something was seriously wrong. I turned and headed back upwind.
Extreme sports and 100% safety are incompatible. When you go to sea in gale-force downwind conditions, sometimes shit will happen. And it's then that your safety gear and your preparedness in using it become vital…
Editor: The conditions were clearly extreme: 40kt SE and 3.5m swell. But no-one could have foreseen that a breaking wave would smash Dave Black's surfski so hard that it would disintegrate, leaving him swimming in the maelstrom... Luckily he had his mobile phone with him and this lead ultimately to his rescue by the Simon's Town NSRI crew. This story dates from 2012, but with the increase in the number of surfski paddlers worldwide, and the ever lighter constructions being used in surfski manufacture, this story is more relevant than ever.
As the avalanche of water broke over him, smashing him off his surfski, Killian Marzin felt an agonizing pain shoot through his shoulder. He knew he was badly hurt – and the next wave in the set was roaring in towards him…
"NSRI Plettenberg Bay duty crew were activated following reports of a man bumped off his surfski near Robberg Beach, Plettenberg Bay…" Bump? Some bump!
A couple of weeks ago, here in Cape Town, a paddler found himself in trouble on the famous (notorious?) Miller's Run downwind route. Some 2km offshore, he fell off and after a number of attempts was unable to remount his surfski. He activated his McMurdo FastFind 220 Personal Locator Beacon. An hour and half later he was pulled from the water having swum his ski almost all the way to safety. A happy ending - but not because of the PLB.
"We have multiple reports of a surfski washing ashore without the paddler," said NSRI Simon's Town Station Commander Darren Zimmerman. "We're activating. Can you please try to find out who it might be?"
Chasing 3m breaking waves in 35kt gusts is the best fun you can have outside of tangled sheets – but gear failure can be a much bigger issue. You have to be mentally and physically prepared for things to go wrong…
Sea Rescue – National – Wednesday, 18 August, 2010. WARNING – Shark activity close inshore.
The NSRI and Save Our Seas foundation are warning bathers, paddlers and surfers to be acutely aware that at this time of year sharks migrate towards the shoreline in search of food.
Monday, 1st March, 2010 saw one of the strongest southeasters of the season hit Cape Town. Cape Point was registering an average of 40kt, gusting to 46kt. Roman Rock lighthouse showed an average of 39kt.
Two unidentified paddlers (from the UK, according to the NSRI), one a novice, decided to launch at 3 Anchor Bay near the Cape Town CBD. Understand that at 3 Anchor Bay, the southeaster blows OFF shore. Also, because it had been blowing for several days, an upwelling had brought frigid water to the surface.
So they were venturing out into a strong 25-30kt (and getting stronger) offshore wind and very cold water.
The two paddlers were wearing baggies; one of them had a cap... They had no PFDs; no paddle leashes; no body leashes; no cellphone; no radio and no flares.
Almost immediately, the novice paddler fell off and had difficulty getting back on his ski.
Increasing in strength all the time, the wind was pushing them straight out to sea.


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I love being reminded of my last stay in France. It was 25 years ago and I was still a teen, a college junior studying in Bordeaux.
Now it's my last night in Paris as an adult student. I haven't yet started to pack up the belongings I brought with me or the ones I picked up the past 6 weeks abroad. Because of my procrastination, I don't have time to sit and eat a long meal so I found a little Vietnamese place off Rue Mouffetard. The street is teeming with people; I didn't expect the crowds until later in the evening. It's only 715p and the restaurants are filling up.
As I wait for my to-go meal, a couple of young men come in and attempt to speak in French. The server understands enough to realize they want to sit outside. Are these the new wave of students arriving, or the end of the summer travelers, all seeking some comfort food along the journey?
My food is ready. I go to the counter to pay (20% discount because it's takeaway! Perhaps procrastination does pay?) and see this movie poster framed on the wall:
It's for a movie called L'amant –The Lover.
It came out in 1992 with some scandal attached (remember Sharon Stone had just made news with the then-graphic Basic Instinct). It's about a French girl living in Indochine/Vietnam in the '20s. Perhaps because of the press it was receiving, my roommate and I went to see it in a small Bordelais theater.
The poster evokes memories of my year abroad and will now also remind me of my short stay in Paris as a writing student.
Now off to pack… Goodbye, Paris. A la prochaine, 'til we meet again.


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Amendment 55 would require employers to have just cause for firing a worker.
Under the measure, which would go into the Colorado Constitution, employers would be banned from firing or suspending workers unless they can show sufficient reason for doing do.
It also would allow workers to sue their employers if they believe they were improperly let go.
The measure lists several acceptable reasons for firing an employee:
Incompetence. Substandard or negligent behavior in the performance of their job. Repeated violations of written policies. Gross insubordination or willful misconduct. Conviction of a crime involving moral turpitude. Employer bankruptcy. Documented adverse economic circumstances that directly affect the employer.
The measure applies only to for-profit companies that employ 20 or more workers, and non-profit entities that hire 1,000 or more people.
The measure does not apply to companies that have collective bargaining agreements with their workers, or to government agencies.
Proponents say the measure allows workers to do their jobs without fear of being fired with no notice or cause. Doing so will provide job security, which will help improve the state's overall business climate, they say.
Opponents, however, say it imposes on businesses inflexible restrictions that will hurt the state's economy. They add that it also may discourage employers from creating new jobs, and cause them to hire more part-time workers instead of full-time employees.
Colorado Ballot Issues
Amendment 46: Prohibits discrimination and preferential treatment by Colorado governments.
Amendment 47: Bans requiring an employee to pay union dues or fees to a labor union as a condition of employment.
Amendment 48: Defines a person as beginning at the moment of conception.
Amendment 49: Bars state and local governments and school districts from deducting union dues and fees from workers' paychecks.
Amendment 50: Increases hours of operation and the maximum bet allowed in casinos, using increased tax revenues to benefit community colleges.
Amendment 51: Raises the state sales tax 2 cents for every $10 to pay for programs for the developmentally disabled.
Amendment 52: Uses surplus severance tax revenues for transportation projects, primarily on Interstate 70.
Amendment 53: Imposes criminal accountability on company executives.
Amendment 54: Bars campaign contributions from certain government contractors and public-employee unions.
Amendment 55: Requires employers to explain their reasons for firing an employee with just cause.
Amendment 56: Requires employers with 20 or more workers to provide health coverage for their workers.
Amendment 57: Mandates employers to provide a safe working environment for their workers.
Amendment 58: Eliminates property-tax credit on severance taxes for oil and gas companies.
Amendment 59: Dedicates future surpluses from eliminating the Taxpayer's Bill of Rights refunds to fund education.
Referendum L: Reduces the age requirement for serving in the Legislature from 25 to 21.
Referendum M: Eliminates obsolete constitutional provisions on land value increases.
Referendum N: Eliminates obsolete constitutional provisions on intoxicating liquors.
Referendum O: Makes it harder to petition constitutional amendmends and statuatory initiatives onto the ballot.


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By Rob Kiser
Piqua Daily Call
SIDNEY — There are Senior Days.
And then there are SENIOR DAYS.
And the Lehman Catholic girls soccer version last Saturday was certainly the latter.
Behind the leadership of seniors Hope Anthony, Ava Behr, Lyndsey Jones, Rylie McIver, Olivia Monnin and Maegan Titterington — the Lady Cavaliers take a 12-1-1 record into tonight's regular senior finale with Waynesville.
Before Tuesday night's 8-1 win over Delphos St. John's — a Summit Country Day program that has won state championships and was part of historic moment in Lehman girls soccer history visited on Saturday.
It was the Lady Knights who Lehman defeated in regional semifinal in 2012 to set the bar and earn the Lady Cavaliers first trip to the regional finals — which went unmatched until last season.
And Lehman would like nothing more than Saturday's 1-0 win over SCD to lead to the same success in the postseason.
"That was a huge win for us," McIver said. "The fact that it was Senior Day and we hadn't beaten them in seven years."
And while it was a huge win, Jeremy Lorenzo said it really didn't change anything. Lehman won't see CCD, 6-3-5, has moved up to Division II.
"The expectations are the same as every year," Lorenzo said. "We expect to be out there competing for a district title. Really, nothing was at stake Saturday other than getting ready for the tournament. It was a huge win, especially because of it being Senior Night."
Lindsey Magoteaux had Lehman's goal on an assist from Ava Behr.
"It was exciting because we knew this was a team we hadn't beat in seven years," Magoteaux said. "This team has really bonded as the season goes on."
Goalie Heidi Toner was able to record a shutout despite a frantic final 10 minutes.
"It was pretty nervewrecking," Toner said. "We wanted to get the win for the seniors. It was nice (the shutout), but it was a team effort. Our defense did a great job."
Lorenzo agreed, particularly the backline led by Hope Anthony and Anna Cianciolo.
"Our backline played their butts off," Lorenzo said. "It was pretty frantic at the end."
Cianciolo said it was exciting.
"It can be nervewrecking," she said. "But, that was a huge boost to get a win like that."
Anthony agreed.
"I think so (the team has bonded as the season has gone on)," she said. "Because we have so many freshman and young players that are playing big roles. Jeremy (coach Jeremy Lorenzo) is always telling us this is the time of the year we want to be peaking and I think this shows that we are."
The senior group has been part of a district title, three sectional titles and two league titles.
"This is one of the best senior groups I have had," Lorenzo said. "The difference with this team is we just don't have the depth we normally have. This is the best starting lineup I have had, we just don't have the same depth."
Lehman received the top seed in the D-III sectional and will open play at 5 p.m. next Thursday at home against the Northeastern-Indian Lake winner.
The Cavaliers only blemish on the schedule was a loss to Anna, who also is D-II this year.
"When you don't play well in a regular season game, that is OK," Lorenzo said. "Right after the Anna game, I told the girls, 'This is only going to make us stronger'. And it did."
And Saturday only reinforced that.
"The expectations were no different this year," McIver said. "We have high expectations ever year."
And a Senior Day to remember may have taken those expectations even a little higher.
Contact Piqua Daily Call Sports Editor Rob Kiser at email@example.com.
©2019 Miami Valley Today, all rights reserved.


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From Roman courtyards to Victorian era walls, bricks have dominated the architectural features of ancient times. And it wouldn't be wrong to say that they are still dominating the interior décor world if you are looking to evoke rustic charm and grace in your setting. There is something absolutely mesmerizing about them which attracts eyeballs and gazes of every passerby. And if you're looking to bring the magic and intrigue of bricks in your residential or commercial project, then we have something for you – our collection of brick effect bathroom tiles. One of the best ways to create a charming yet gritty bathroom space, these brick tiles are design world classics and will light up your space with their presence.
Name Five Senses Architectural Wall Panel System
Product IDFIS001
ManufacturerCSI Wall Panels
Panel Finish IDWOO001
Reveal IDNRE001
Panel Finish TypesThermally Fused Laminate Panel (TFL Panel), Thermally Fused Melamine Panel (TFM Panel), High Pressure Laminate Panel (HPL Panel), Three Dimensional Laminate Panel (3DL Panel), Wood Veneer Panel, Graphic Printed Panel, Whiteboard Panel, Chalkboard Panel, Tackable Panel, Translucent Panel
Panel Sizes4' x 8' (Typ), 4' x 10', 4' x 12', 5' x 8', 5' x 10', 5' x 12'
Panel Thickness3/4" (Typ), 1/2", 5/8", 1", 1.5"
Reveals3/4" (Typ), 1/2", 5/8", 1", 1.5"
Panel MaterialMDF (Typ), Paper Phenolic, Particleboard, Plywood, Baltic Russian Birch, Acrylic, Glass, Metal, Resin
Panel Pattern 3D CarvingShiplap, Wainscot, Tin, Ripple, Waves, Pyramids, Barnwood, Funnel, Brick, Stone, Planks, Custom
Panel FinishesWoodgrain, Metallic, Stone, Leather, Texture, Solid Colors, Speciality
Modular Designs
No Demolition Required
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Known for their simplicity and eccentric style, our collection of brick effect bathroom tiles have a cozy, warm look and feel which will help you create the desired aesthetics. The brick bathroom tiles take on the classic version with a different look with a range of finishes including textured, gloss, matt etc and will totally fill your space with an irresistible flair. Available in multiple styles, shapes, colors, textures and sizes, our brick effect tiles are quite flexible and versatile and are ideal for modern, traditional and contemporary spaces.
Whether you're looking to create an accent wall of floor or want to cover your entire space with them, our brick effect bathroom tiles are just perfect and will be a special presence in the setting. These bathroom tiles can be easily installed and are extremely lightweight and cost effective. Easy to clean and maintain, our brick effect tiles are created from durable materials and our advanced printing technology ensuring a smooth finish and tiles which can stand all forms of wear and tear.
Whether it's your home, restaurant or hotel walls, shopping malls or universities, cafe or office space, these decorative brick bathroom tiles will blend in perfectly to give you a standout and elegant setting. From the classic red or rust to shiny black and white, we have a range of brick effect tiles which will give your space a refined industrial look.
If you're looking to give your bathroom or wet room an eye-catching design upgrade, then these brick effect bathroom tiles are all you need.
Headquarters & Showroom9901 West 74th St.Minneapolis, MN 55344, USA
Main: 800-213-0653[email protected]


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Preventative Plumbing: Avoid Frozen Pipes This Winter
Prevention in plumbing is the best medicine. When pipes freeze and break, you can have a really uncomfortable, costly winter. In most cases, if you waited long enough for frozen plumbing, you need to call in an expert. Flooded basements and pipelines cause water damage and electrical shorts, adding problems to your plumbing woes.
Here are some suggestions for preventative maintenance to keep your plumbing fit through the season:
Install Plumbing Insulation
Rubber insulating tubes--the least expensive option--are sold at most home improvement stores or plumbing supply shops. Wrap them around your pipes in the basement, wherever cold temperatures can freeze up water lines. Join the ends to the couplings with duct tape. Be sure to wear gloves if you're working around hot water lines, or consider turning off the water supply beforehand. In heavily-trafficked basement areas, insulation can also prevent burns from overhead hot-water pipes.
You can also use fiberglass tape, placing it around indoor or outdoor lines. Many people prefer to overlap the sections to ensure snug protection. You can also buy insulating tape that contains electrical filaments--similar to a heating blanket. Electrical insulation is a great resource in sub-zero weather.
Close Outdoor Faucets
Disconnect all outdoor hoses from your faucets. Expanding water can not only burst hoses, it can transmit freezing temperatures to indoor plumbing. If you have interior shutoff valves, turn off the water supply to outside faucets. Be sure to drain out any standing water in the pipes, and cover outdoor faucets with insulation kits available at most home improvement stores.


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Sep 12, 2019
World's Biggest Crane Gets to Work at British Nuclear Plant
Bloomberg News,
(Bloomberg) -- The world's largest crane is getting ready to hoist more than 700 of the heaviest pieces of the first new nuclear plant being built in Britain in decades.
The machine, affectionately known as "Big Carl" after an executive at Dutch owner Sarens NV, is in place at Electricite de France SA's 19.6 billion-pound ($24.1 billion) Hinkley Point C project in southwest England. It can carry as much as 5,000 tons, or the same weight as 1,600 cars, in a single lift and arrived on 280 truck loads from Belgium. It has taken about three months to build.
Nuclear power makes up about a fifth of Britain's electricity. Most of those plants are near the end of their lives and will close in the next decade. Replacing them won't be easy—as the scale of the project shows.
Earlier this year, EDF poured 9,000 cubic meters of cement, the biggest single biggest pour of concrete ever recorded in Britain. It was reinforced by 5,000 tons of steel built into a nest 4 meters high that'll serve as the base of the first new reactor in the U.K. since 1995.
Big Carl in numbers:
Stands 250 meters tall
Powered by 12 engines
Capable of lifting 5,000 tons at a radius of 40 meters
Supported by 52 counterweights each weighing 100 tons
Runs on 96 individual wheels as it moves between 3 locations
The new Hinkley plant is the biggest engineering project in the U.K. by some distance. It will cost more than the tunnel under the English channel, use enough steel for a railway from between London to Rome and require enough concrete to build 75 sports stadiums.
The plant won't produce any electricity for at least six years. When it does, contracts signed between EDF, its partner China General Nuclear Power Corp., and the U.K. government will result in payments of almost double of what offshore wind developers will get in the coming years.
To contact the author of this story: Jeremy Hodges in London at email@example.com
To contact the editor responsible for this story: Lars Paulsson at firstname.lastname@example.com
©2019 Bloomberg L.P.


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Smokey Says Resist Shirt | Smokey Says, Resist - Shirt, Hoodie, Tank
Once again, the Republican Party shows that it is not conservative, but radical. Now they want to take law enforcement away from the Forest Service and the Bureau of Land Management. Why not just mail invitations to poachers, and give the keys "Smokey Bear Says Resist" to the Bundys, who seem to be among the radical GOP's prime constituents these days, when they're not busy selling our grandchildren's future to the Exxons of the world.
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Buy-Sell-Trade: Collecting Photographs
LIVE! from A Gallery
Copyright & Policy
Portfolio Review
Framing & Shipping
Recent Sales
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Email Us
All contents of this website are
Copyright © 1999-2009 A Gallery for Fine Photography
241 Chartres St., New Orleans, Louisiana 70130
This website is for the user's personal, noncommercial use. User may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from this website.
Please respect the photographers we represent and their hard-earned rights. These rights and copyrights are an important part of their livelihood. Most importantly, it is the way of integrity for all of us to honor the creative acts of artists. They light the way for all of us.
Please do not reproduce in any manner the photographs contained within. The photographers of this gallery are recognized as great artists, and their photographs are protected by law. We ask for your participation in honoring and protecting the rights of all creative people.
Copyrights for individual photographs and graphics on this website are strictly the property of the creator. Do not use any photograph for any purpose without notifying and receiving written permission from the photographer. A Gallery for Fine Photography will gladly assist in gaining permission from any of our photographers.
Permission or purchasing one-time usage of photographs are often granted or sold. As artists, photographers are eager to have their photographs seen and shared. However, do not exclude photographers from knowing about the usage of all their images. Commercial applications require a fee, while educational usages are often granted free.
All written requests will be handled expediently. We will contact the photographer and direct your request immediately.
This courtesy and protection allows the artist to retain involvement in the life of their art and photographs. Your consideration and respect help keep the smiles on photographers' faces.
Learn to respect and protect. We thank you!
-- Joshua Mann Pailet, Chief
Fine Photos, Inc.
A Gallery for Fine Photography


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Genesis 7
The animals went in two by two…well, yes that's true. But according to this passage, those animals deemed 'clean' had the majority of pairs – each kind having seven pairs while the 'unclean' only had the one.
This is interesting, as we don't get these laws of clean and unclean announced until later in the bible. Certainly not in Genesis. Is this written in deliberate retrospect of this – are we to take some form of symbolism here? Seven once again occurs – seven the number of completeness. Seven pairs of clean animals. Seven days before the flood begins. Is our story teller reaffirming the thoroughness of the plan, the fullness of its intent?
It's going to rain for forty days and forty nights.
Be ready.
Noah was.


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Stairway to Heaven
Trail Thoughts and Musings
Finally, after walking hunched over through Bear Creek, a light appears at the end of this tunnel. Passing through a gate, the trail rejoins the Moses Spring trail. The rock overhead is the size of a house and has been wedged in between the canyon walls. Ahead is the dam that forms the reservoir and the stairway clinging to the side of the canyon is your way out.
Werner Hager at
Last updated November 12, 1999.
Copyright 1996 - 1999 by Werner W. Hager and Micromoms. All rights reserved.


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Lawn Care Services Lakeville
Does your lawn need a little tender loving care? Advanced Irrigation can bring a little TLC to your property. Advanced Irrigation is one of the most trusted names in lawn care services in Lakeville. We offer full-service lawn care to residential and commercial clients alike, helping with all of their landscaping and lawn care needs. From installing and maintaining a new irrigation system to designing and installing new landscaping, we can help with every aspect of keeping your lawn look its best.
So, don't hesitate any longer! Get your lawn on the road to recovery with lawn care services from Advanced Irrigation. Call us and we can tell you even more about the many lawn care services we offer. We can give you a free estimate, so you know exactly how much to budget for. and we can also answer any questions you have about our services and all we can do for you.
Our Lawn Care Services
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At Advanced Irrigation we are committed to providing top notch products and services for all of our customers and we want you to be happy with the lawn care services we provide. We make customer service our top priority and our number one goal is to ensure you are completely satisfied with your experience and that you are overjoyed by your new landscape.
Since 2001, Advanced Irrigation has been one of the most trusted lawn care services in the area. We have years of experience in lawn care services and take pride in helping customers like you get the beautiful lawn and garden they have always wanted.
We offer a wide variety of expert lawn care services including:
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The purpose of this Newsletter is to (i) provide a brief overview on the concept of "finanziamento fondiario" (being a peculiar type of real estate mortgage loan under Italian law); and (ii) discuss the legal consequences triggered if the ratio of (a) the amount of a "finanziamento fondiario" to (b) the value of the underlying real estate asset securing the "finanziamento fondiario" exceeds 80 percent.
The Italian Supreme Court recently issued a judgment (no. 17352 of 13 July 2017) which supersedes its previous case law and raises relevant issues to be taken into consideration by lenders and players in the securitization/NPLs sector, in light of its potential consequences (which might even include voidness of loan and loss of mortgage).
1. The concept of "finanziamento fondiario" under Italian law
Italian law provides for two types of mortgage loans ("finanziamenti garantiti da ipoteca"):
(a) ordinary loans secured by mortgage ("finanziamento ipotecario"). Such type of loan is regulated by common rules provided for in the Italian Civil Code and under generally applicable laws;
(b) loans qualifying as "finanziamento fondiario" pursuant to articles 38 et seq. of legislative decree no. 385/1993 (the "Consolidated Banking Act").1
Pursuant to article 38 of the Consolidated Banking Act, a "finanziamento fondiario" has as its object the provision of medium-long term financing (i.e., exceeding 18 months) secured by a first-ranking mortgage over real estate assets. Based on the resolutions of the Interministerial Committee for Credits and Savings (CICR), the Bank of Italy determines the maximum threshold for the purposes of qualification of a real estate loan as "finanziamento fondiario", by reference to the value of the mortgaged asset(s) and/or the work(s) to be developed on such asset(s).
Currently, such threshold is set at 80 percent of the ratio of (a) the amount of "finanziamento fondiario" to (b) the value of the underlying real estate asset securing the "finanziamento fondiario" (the "Limit").
Notably, pursuant to case law of the Italian Supreme Court the Limit needs to be complied with when the loan is drawn down, but not all through the whole term of the loan; this is quite obvious, because qualification as a "finanziamento fondiario" shall not depend on the changes in value of the underlying real estate asset from time to time (which are quite normal during the term of a loan).
Generally, we note that "finanziamento fondiario" is very frequent in case of financings granted to consumers (typically, to buy home), quite frequent in the case of financings made to companies and rather rare in the case of financings made to funds.
Upon execution of a loan agreement, the lender and the borrower are free to determine whether the financing shall qualify as "fondiario" or not. However, material consequences may arise from such a choice. In fact, qualification of a mortgage loan as a "finanziamento fondiario" for the purpose of articles 38 et seq. of the Consolidated Banking Act involves the application of certain specific rules set out in the Consolidated Banking Act which differ from the provisions generally applicable to ordinary financings secured by mortgage.
For the purpose of this Newsletter, we can summarise the main features of a mortgage loan qualifying as a "finanziamento fondiario" as follows:
(a) the mortgage securing the loan is not subject to risk of clawback after expiry of a very short term (10-day period);
(b) a payment made to the lender under a "fondiario" loan cannot be clawed back; and
(c) even in case of opening of bankruptcy proceedings, the lender will be entitled to a separate enforcement of its security (while general bankruptcy rules, although allowing and acknowledging security right(s), prevent separate enforcement by lenders).
2. Case law on consequences of breach of the Limit before 2012
Before 2012, there was quite limited case law in respect of consequences triggered by breach of the Limit. Different approaches were taken by different courts, namely:
(a) pursuant to the Court of Rome (judgment of 2 February 1989), breach of the Limit will trigger voidness of the "finanziamento fondiario" only in respect of the portion exceeding the Limit; such exceeding portion ought to be converted into an ordinary loan secured by mortgage;
(b) pursuant to the Court of Milan (judgment of 26 October 1995), breach of the Limit will trigger voidness of the "finanziamento fondiario" entirely; the loan ought to be converted into an ordinary loan secured by mortgage only if the prescribed requirements are met;
(c) according to the former view of the Italian Supreme Court (judgment no. 9219/95), breach of the Limit would have triggered voidness of a portion of the "finanziamento fondiario" only, if it emerged that the parties would, in any case, have opted for a "reduced" contract. In any case, the portion exceeding the Limit might not be converted into a mortgage loan;
(d) according to a different opinion of another judge of the Court of Rome (judgment of 9 April 2000), even in case of breach of the Limit, the loan will qualify as a "finanziamento fondiario" if the parties to the loan agreement opted for the application of the relevant provisions. The sole consequence might be liability of the directors vis-à-vis the lender and of the lender vis-à-vis the Bank of Italy (which may order sanctions at the lender's charge), due to the breach of the rules prescribed by Bank of Italy in respect of a "finanziamento fondiario". This approach is, clearly, the most favourable to the lenders.
3. Case law of Italian lower courts in 2012 and 2013
In the context of insolvency proceedings opened in Italy during the recent economic crisis, there was in 2012 and 2013 a substantial number of judgments issued by lower courts (including Venice and Cagliari) which took a more detrimental approach to banks (fostered by receivers willing to maximize recovery), as they stated voidness of a "finanziamento fondiario" granted in breach of the Limit.
In addition, due to certain procedural rules that such courts declared to be applicable (but which were not met by the relevant lender in the relevant case), including:
- the fact that the lender bears the burden of proving that the Limit has been met;
- the need for the expert's evaluation of the value of the underlying property to bear a "data certa" (date certain at law) under Italian law for the purpose of being enforceable vis-à-vis the receiver; and
- the need for the lender to raise proof of claim ("insinuazione al passivo") also for the case that the loan does not qualify as a "finanziamento fondiario",
the relevant lender was neither able to rank as an ordinary creditor secured by mortgage, nor even as an unsecured creditor(!).
This raised a debate among Authors, most of whom underlined that such view is very detrimental to the banks which, in addition to (already) experiencing default by many of their borrowers, were exposed to the risk that many "finanziamenti fondiari" granted by them be declared void, which would give rise to relevant losses in the banks' already ailing balance sheets.
4. The view of the Italian Supreme Court in 2013
At the end of 2013, the Italian Supreme Court adhered to the most favourable approach (see letter d) above) and (in judgment no. 26672/2013, a case which attracted much attention in the Italian banking community) stated that violation of the Limit does not trigger any consequence on the underlying "finanziamento fondiario" and/or on the mortgage. The sole consequence of the breach of the Limit is, therefore, the potential application of sanctions by Bank of Italy to the lender.
5. Case law of Italian lower courts and Italian Supreme Court between 2013 and 2017
While some lower courts expressly refused to adhere to the view of the Italian Supreme Court2 (which is possible because under Italian law a judge is per se bound to follow the view of the Italian Supreme Court only in the specific case in respect of which the Italian Supreme Court issued a judgment: for the rest, the view of the Italian Supreme Court has only a "guidance" function (so-called "nomofilachia"), but it is not binding on the other courts; i.e., in the Italian legal system the "stare decisis" principle does not apply), between 2013 and 2017 most lower courts followed the principles set by the Italian Supreme Court in the 2013 judgment.3 In addition, the Supreme Court itself reaffirmed this view in two further judgments in 2015.
6. Reversal of the Italian Supreme Court's position – judgment no. 17352 of July 2017
Last July, to the great surprise of the Italian banking community, the Italian Supreme Court fully reversed the view expressed in 2013 and stated that breach of the Limit triggers voidness of the "finanziamento fondiario", which voidness may be only partial if the requisites of an ordinary mortgage loan are, in any case, met (in which case, the financing may be converted into a "normal" mortgage loan instead of being declared void).
7. Consequences of the new position of the Italian Supreme Court – Some practical tips
Needless to say, the new position of the Italian Supreme Court may trigger relevant difficulties for lenders (which, to their utmost astonishment, years after the execution of a loan agreement, may discover that their financing is void, just because the Limit was breached by mistake); but also for players in the securitization/NPLs sector (which must pay great attention, when purchasing receivables arising from a "finanziamento fondiario", to carry out a due diligence covering also compliance with the Limit).
As a first comment, it is important to reiterate that the Limit needs to be complied with when the financing is drawn down, but not for the whole term of the financing.
In order to reduce the risk of a court declaring a "finanziamento fondiario" null and void, it is strongly advisable to:
1) expressly clarify, in the "fondiario" loan agreement, the criteria underlying the assessment of the asset value, so that the court might at a subsequent stage verify correctness of the evaluation process;
2) attach to the "fondiario" loan agreement the real estate evaluation or, in any case, provide the evaluation with date certain at law ("data certa") under Italian law for the purpose of being enforceable against the receiver;
3) insert a "safeguard clause", expressly providing that the parties would have opted for an ordinary mortgage loan, should the
"finanziamento fondiario" regulation not be considered applicable;
4) carefully draft the deed of mortgage; and
5) in case of envisaged acquisition of receivables arising from a "finanziamento fondiario", carry out a due diligence to verify compliance with the Limit.
1 Recently, the Italian Parliament approved a bill which empowers the Government to, inter alia, amend the finanziamento fondiario rules.
This Newletter does not consider the envisaged changes (whose entry into force is, in any case, not sure).
2 See, e.g., Court of Florence (judgment no. 15335/2014 of 30 October 2014) which, by adhering to the most restrictive case law preceding the 2013 judgment of the Italian Supreme Court, stated voidness of a "finanziamento fondiario" granted by a bank in breach of the Limit.
3 E.g. Court of Cagliari (which reversed its previous view), Court of Monza, Court of Udine.
The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.


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County council votes for Brule Community Hall replacement
Yellowhead County Council has agreed to replace the Brule Community Hall but the vote wasn't unanimous.
Councillors at the July 23 meeting had some concerns about the future build including cost and the fact that the head contractor was unwilling to employ local trade's people.
Three tenders were received for the project. None of the tenders fit within the county's budget. The winning tender and the lowest in cost was from Millbrandt Construction Management Inc. of Sherwood Park for $5.5 million. The county's budget was set at $3.185 million, which included demolition of the current hall and the new build.
Hinton-Cadomin-Robb Area Coun. Lavone Olson was all for the build, considering the current state of the hall. She wanted to know what county reserve would be the best one to utilize. Chief Administration Officer Jack Ramme recommended that if council drew on the facility replacement reserve, it would have a remaining balance of $7.5 million, if utilized.
"To say I was shocked to see these tenders was an understatement," said Olson.
"This is one of the busiest halls in our county and it's something we have to do."
Director of Community Services Christopher Read said the current hall has several deficiencies includes an unusable deck, sections of floor that are unsafe and roof problems.
"None of the companies is using local sub trades," said Read.
"They consider Hinton and Brule remote locations."
Mayor Gerald Soroka asked Read the rationale used by the companies in not employing local sub trades.
"They know the work the sub trades they have employed do," Read said.
Edson Area Coun. Wade Williams said he would have preferred to retender the project for 2020 in the hope that contractor costs would be more reasonable. But Olson doubted this thinking costs would probably increase.
Evansburg Area Coun. Sandra Cherniawsky was concerned about county finances.
"What concerns me is the state of our finances. This could be the last project we build in a very long time."
Peer-Rosevear-Shiningbank Area Coun. David Russell also preferred to defer the project.
"I think we'd be more financially responsible if we postponed this to 2020."
Wildwood Area Coun. Anthony Giezen agreed with Russell but said he supported the project as a whole.
Wolf Creek – Pinedale Area Coun. Shawn Berry also had fiscal concerns.
"I'm just really concerned about our future. I'm really interested in replacing this facility but not at this cost."
Edson West Area Coun. Dawn Mitchell said she was also shocked that the cost of a proposed new hall came in at almost double.
"I'm disappointed but it needs to go forward," said Mitchell.
Cherniawsky said she was concerned that if council decided to defer there was no guarantee that the cost would be lower in 2020 and that council might have to defer it again.
Ramme said even if local sub trades were used there was no guarantee that the cost would be any lower. Plus, he warned council about dictating to the main contractor about hiring local sub contractors. He said if the project went sideways there was a chance that the county and council could be held responsible.
"If we don't move forward with this it could be delayed for a year," said Soroka.
Council voted six to three to go ahead with the project.


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Let's be honest, in the same way your home needs paint to look stylish and colorful, your swimming pool needs backyard pool tiles to also look stylish and colorful. Without tiles, you just have a boring and dull swimming pool with no panache or color. Swimming pool tiles are a great way to not only bring color to your pool and put in some of your personality into the look of it, but it also allows you to mix and match the colors of your home (inside or outside) with the pool. Before we talk about the types of tiles, let's first talk about what you need to consider when buying tiles for pool construction in Stamford Ct.
Pool Tile Budget
I don't care if you are Joe Shmoe or Bill Gates; you always need to have a budget in place before you decide on anything else. So make sure you sit down and you figure out exactly how much money you have to put towards your tiles. This is important because tiles not only come in different colors, but materials as well.
Safety First
Before deciding on colors and all that jazz, you need to also consider safety issues. Some tiles like marble can be really slippery, pretty, but slippery nonetheless. Figure out exactly where your pool is the wettest and make sure to put slip resistant tiles in those locations – for examples, around the edges of the pool. If you have kids or even for yourself, if you don't put slip resistant tiles in those wet locations, you could be walking and slip. Better to be safe than sorry.
Lifetime Guarantee
Make sure that when choosing ANY tiles that you find a company that gives you a lifetime guarantee. These tiles are for outdoor use. This means they will need to be weatherized, but if anything does happen – a chip, a crack, one goes missing, you will need to replace it. Finding a company that offers a lifetime guarantee or better yet free replacement tiles, is a good way to ensure that your investment is safe.
Choose a Design
There are colors you can use textures and of course designs. You can get designs made up such as a fleur de lies on the bottom of the pool or a mermaid if you want to get really crazy. But, choose a design first, that way when you have the installer come in, you know exactly what you want – and they will too.
Inside vs. Outside
When we talk about pool tiles, we mean tiles for the deck, for the wall, and for the bottom of the pool. But, you need to understand that these tiles are all manufactured in different ways and have different chemical processes to make them durable for inside the pool or out. In other words, it's not a smart idea to use tiles for in the pool – out of the pool and out of the pool tiles for in the pool tiles. Whew. That was a mouthful. Chances are inside pool tiles will be made to last against foot traffic, chemicals like chlorine and algae.
Most commonly used colors are white and blue because they refract light well and look attractive. I don't know about you, but the regular old blue and white tiles are boring to me. In any case, you can choose from ANY color tile you want. The sky is the limit. However, a word of caution: It's a good idea to NOT use dark tiles on the bottom of the pool. It might look cool, but it also messes up with your depth sensory and makes the pool look deeper than it really is. Stay safe and pick a color that is lighter.
Types of Tiles
Alright, now the fun part! You get to choose the material that your tiles are going to be made from. There are a lot of choices so you should be able to find one that fits your budget, has the colors and features you want, and one that allows you to be free to add in your own personality, style or indoor/outdoor home decor.
– Porcelain: These are the most common tiles used for swimming pools. These are very easy to install if you are thinking about pool restoration in Stamford Ct and they are also pretty easy to maintain. Porcelain tiles are soft to the touch, usually having a smooth surface. The biggest issue with these tiles is that they can break pretty easily. But, since they are so cheap, it might not be that big of an issue for you. Porcelain comes in a range of colors such as red, black, white, blue and green.
– Mosaic: These tend to be the same color tones such as light blue, baby blue, royal blue and midnight blue or green, sea foam, lime, forest, etc. These add a really colorful look to your pool and you can bring in colors from inside your home to outside. These come in a wide range of colors, styles, sizes and designs. While these are usually just colors, you can find designs as well. These can be used for wall tiles as well as the bottom, but it is suggested you drain your pool twice every year to give them a really good cleaning.
– Glass: Like the mosaic tiles, these give your pool a really nice look as far as eye appeal go. They also come in various colors, styles and shapes. Remember if you are going to do the bottom of your pool, do lighter colors and then do the walls a darker color to help with depth sensory. These are also pretty cheap, especially if you can find a place that uses recycled glass. But, if you do want the best of the best you can find important from locations such as South Africa. Installation does take a pro's help.
– Brick: Brick has a really nice look and feel to it. Just remember that brick is a porous material and they will need to be sealed before being placed in the pool. These come in common brick colors like tan and red, but you can also find other colors as well.
– Stone: Another porous material, these will also need to be sealed – not only before you put them in the pool, but every few years afterward. They add a very natural nature -like element to any pool and can be found in all sorts of shapes, sizes and colors – most of which are primarily found in nature like tans, blacks, browns maybe a few rusty orange colors.


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Traveling Luck for Scarborough Airstrip South Dakota, United States
The timezone in Scarborough Airstrip is America/Rankin_Inlet
Morning Sunrise at 05:05 and Evening Sunset at 20:18. It's light
Rough GPS position Latitude. 44.6594°, Longitude. -101.1411° , Elevation. 633m
Morning Sunrise at 05:05 and Evening Sunset at 20:18. It's light
Rough GPS position Latitude. 44.6594°, Longitude. -101.1411° , Elevation. 633m
Weather near Scarborough Airstrip Last report from Pierre, Pierre Regional Airport, SD 87.1km awayTemperature: 22°C / 72°F
Wind: 6.9km/h West
Cloud: Sky Clear
Satellite map of Scarborough Airstrip and it's surroudings...
Geographic features & Photographs around Scarborough Airstrip in South Dakota, United States
Local Feature A Nearby feature worthy of being marked on a map..
- Norman Ranch (5.8km)
- Alleman Ranch (6.5km)
- Carr Ranch (8.2km)
- Schiesser Ranch (8.2km)
- Young Ranch (8.3km)
- M Jones Ranch (8.3km)
- Alleman Station (8.4km)
- Jordan Ranch (9.5km)
- Scarborough Ranch (10.5km)
- Pearman Ranch (11km)
- Paulson Ranch (11.2km)
- L Garrett Ranch (12km)
- J Anderson Ranch (12.3km)
- Sunshine Ranch (12.5km)
- Vanderveer Ranch (12.6km)
- Whiteman Ranch (12.6km)
- Norman Ranch (12.9km)
- Kirley (historical) (13.1km)
- Carlin (historical) (13.2km)
- W Briggs Ranch (13.8km)
- Carlin Bottoms (14.7km)
- N C Andersen Ranch (15.3km)
- West Ranch (15.5km)
- Kirley (historical) (15.7km)
- Olson Ranch (15.7km)
- Bruce Ranch (16km)
stream a body of running water moving to a lower level in a channel on land.
- Hermaphrodite Creek (7.3km)
- Sage Creek (7.5km)
- Rudy Creek (9.2km)
- West Fork Hermaphrodite Creek (9.3km)
- Lone Tree Creek (9.5km)
- Dupree Creek (10.1km)
- Foster Creek (13.8km)
- East Fork Rudy Creek (15.4km)
- North Fork Sansarc Creek (16.2km)
dam a barrier constructed across a stream to impound water.
- Gaylord Norman Number 2 Dam (2.8km)
- Gaylord Norman Number 1 Dam (4.3km)
- Norman Number 1 Dam (4.7km)
- F R Fackelman Dam (9.5km)
- School Section Number 5 Dam (15.2km)
- Hamilton Irrigation Dam (15.8km)
flat a small level or nearly level area.
- Mississippi Flats (2.6km)
- Marion Flats (7.9km)
- Circle P Flats (11.3km)
- Carlin Flat (14.7km)
school building(s) where instruction in one or more branches of knowledge takes place.
- Carr School (0.5km)
- Cheyenne School (12.8km)
- Carlin School (16.2km)
valley an elongated depression usually traversed by a stream.
- Westbrook Draw (7.4km)
- Feeney Draw (11.9km)
- Carlin Draw (16.1km)
airport a place where aircraft regularly land and take off, with runways, navigational aids, and major facilities for the commercial handling of passengers and cargo.
- Scarborough Airstrip (0km)
- Hamilton Airstrip (15.6km)
cemetery a burial place or ground.
- Walking Horse Cemetery (14.9km)
- Lindsay Cemetery (15.2km)
range a series of associated ridges or seamounts.
- Gray Buttes (15.1km)
mountain an elevation standing high above the surrounding area with small summit area, steep slopes and local relief of 300m or more.
- Black Butte (15.8km)
bridge a structure erected across an obstacle such as a stream, road, etc., in order to carry roads, railroads, and pedestrians across.
- Carlin Bridge (8.6km)
post office a public building in which mail is received, sorted and distributed.
- Lindsay Post Office (historical) (15.5km)
church a building for public Christian worship.
- Dupree Church (11km)
spring(s) a place where ground water flows naturally out of the ground.
- Circle P Springs (12.8km)
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- South Dakota State Capitol government landmark
- Pierre (South Dakota) city i city


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Is writing Christian speculative and scientific fiction wrong?
by Marie Grossett
5/23/2013 / Writing
Before I came into this industry I was very wary about reading Christian speculative (thrillers, mystery, fantasy) and scientific based books, simply because they weren't 'holy' enough for me.
To my understanding Christian books were supposed to be about God, forget about all this drama we shouldn't be writing about books that were suited to the secular market.
When I became an agent assistant I was even more wary about this genre, and I was surprise when the agent I was working for started representing books like these.
It really got to me so I questioned her about it, her response was, "We like to read about the nice things, act like we're holier than thou. But we forget in the Bible there is a murder, demons, giants, nephilim we tend to overlook the not so pleasant parts but they are mentioned.'
She then went onto say, 'There is nothing wrong with speculative or sci-fi Christian fiction as long as they have an allegory of a biblical aspect, no foul language then they are actually very entertaining you should try reading one.'
"No thanks," I said still unconvinced about this type of genre.
It was when, through God's help I set up The Authors Care Services, I began to see this genre in a whole new light.
Upon reading one of my authors Heather Letto manuscript, I realised it came under the sci-fi category. "You need to keep an open mind Vanessa," I thought. But as I went on reading I found the story so entertaining plus it had Christian related themes. I was pleasantly surprised on how much I enjoyed reading this. "Maybe sci-fi is not that bad after all, I may have changed my mind about sci-fi but I'm certainly not going to change my mind about speculative fiction."
Well I spoke too soon I read Brita Skinner's DayBreaker which is part of the Nightlife series, this was an instance success, it contained spiritual warfare and mentioned the nephilim each chapter became more and more likable. "Okay so I've changed my mind about speculative fiction."
So in answer to the question, is writing Christian based speculative and scientific fiction wrong? No and I'm not being bias, remember I was very cautious about this type of genre. As Pauline states there are murders, nephilim and giants mentioned in the Bible.
As Christians we tend to overlook these because we are uncomfortable discussing them. My advice is to keep an open mind about this type of genre as they are becoming increasingly popular. I believe you could also learn something from them as extensive research is carried out to get the book as close to scripture as possible, since we do not want to misinterpret God's word.
You never know once you have read, your view on speculative and scientific Christian fiction may never be the same again.
For more information about Brita and DayBreaker please visit http://britaskinner.wix.com/britaskinner
For more information about Heather Letto please visit http://www.heatherletto.com/#!
Marie Grossett aka Vanessa Grossett is a published Author, and has interviewed best selling and award winning Christian Authors.
She is a Literary Agent at The Authors Care Services ltd. www.theauthorscare.co.uk [email protected]
Article Source: http://www.faithwriters.com-CHRISTIAN WRITERS
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The year after the Olympic Games is not exactly a year of respite. (When your typical workout day lasts between four and six hours, respite seems a rather rich word to use.) But if you're going to take it a little bit easy while preparing for the intense, multi-year tornado that is the run-up to the next Olympics, the year after the Games is the one to do it.
Especially if you're already an Olympian. Summiting that mountain a second time in a country like the U.S. will never be easy, but if you're going to make a second (or third) attempt, it must be nice to know you've already done it once and survived. But never mind about the respite — in this, the year after the Games when everyone's supposed to be chilling (especially if you competed in the last Olympics), all five members of the 2012 U.S. men's team are planning to compete at this year's U.S. Championships, which gets underway in Hartford, Conn. this week. So are two of the three Olympic team alternates.
The 2010 U.S. Championships were held in Hartford too, and many of the gymnasts competing here already have memories of the SuperDome. It was the beginning of Danell Leyva's ascension, for example — though he had been dreaming and talking about being the top senior in the nation for years at that point, it wasn't until 2010 that he came into his own. Though Jonathan Horton beat him for the title, it was obvious that Leyva was the next guy, that he would continue to improve.
2010 was also the first year that John Orozco was a threat as a senior, coming off of three consecutive junior national titles. But Orozco tore his Achilles tendon vaulting a double-twitsing Yurchenko and spent the better part of the next year recuperating. It was the year that Sam Mikulak, who had placed second all-around to Orozco all those years in the junior division, finally won a Junior National title of his own. In the mixed zone, the new Junior National champion emphasized the merit of resting, of not burning yourself out.
His strategy would pan out especially well for him — of all the men who made the Olympic team, going into the 2012 selection process Mikulak was the freshest and most relaxed athlete, on the podium and in the mixed zone, in spite of the stress of being less than a year removed from two fractured ankles. The wages of rest, indeed.
In spite of this, all five members of the Olympic team — plus two of the three replacement athletes — will line up for a second go-round in Hartford, trying to get on the shortlist of People To Watch In Rio. (Replacement athlete Chris Brooks is still on the national team but not on the roster.)
Things have changed in a year — Horton, who recently became a father for the first time, has said that he will make a "last second" decision about competing, while 2012 U.S. champ Orozco tore his ACL on the post-Olympic tour and is not ready on vault or floor. Unlike last year, a showdown with Leyva, who never stopped training and didn't do the post-Olympic tour, won't happen.
Leyva himself, while still utterly devoted to the Olympic dream, has seemed something less than himself in competition lately. In smoothing out the wrinkles on new skills, he's made mistakes and appeared not quite 100 percent physically, though his fierce competitive spirit is completely intact. The most likely people to challenge him for the U.S. all-around title is probably American Cup champion Jake Dalton, an all-arounder who, like so many American gymansts, relies on excelling on floor, vault and rings to make up for his deficiencies on the pommel horse, and Mikulak, a truly balanced gymnast who has worked hard to make sure he's not at a disadvantage on pommel horse.
Where the rest of the field is likely to fall is something of a question mark. 2013 may not be a true year of respite, but it is a year of reshuffling. With that in mind, here are a few more names to watch for in the men's category:
Steven Legendre (University of Oklahoma): Certainly the most talented tumbler/vaulter the U.S. has ever seen, Texas-bred Legendre is more or less a six-event gymnast (again, pommel horse) who has flown the U.S. colors in floor and vault finals at more World Cups and World Championship meets than you can count. His strength has always been in his difficulty, which is usually comparable to the best in the world. His weakness has always been his form, which is not.
Alex Naddour (USA Youth Fitness Center): Naddour stands out as one of the few U.S. men who are best on pommel horse. Though it didn't quite lift him onto the Olympic team last year, it does mean he has a good shot at making future teams. In Hartford, he has a good shot as an all-arounder due not only to his non-weakness on horse, but to his excellent rings, parallel bars and high bar routines.
Paul Ruggeri (U.S. Gymnastics Development Center II): A six event gymnast who has only gotten better since his breakout year in 2010, when he was named first alternate to the World team. With a new coaching team in place this year and exciting new skills on floor, Ruggeri could wind up as the big surprise of the Championships, a gymnast whose time has finally come.
Akash Modi (Monmouth): A senior fresh out of the box, Modi is unusual in that he's not terribly strong on floor or vault but potentially fills holes on the other four events, with exceptionally strong skills on pommel horse, rings and parallel bars, where his full-twisting double tuck dismount comes at you from out of nowhere. Once upon a time his form was not ideal, but he's been working hard on making corrections.
Eddie Penev (Stanford): The former World floor finalist (he competed for Bulgaria before switching nationalities in 2012) is so experienced but still so young and one of the most promising gymnasts on the national team. Floor and vault are his best events, which unfortunately puts him in a crowd with Dalton, Mikulak, Legendre, Ruggeri and Dixon.
Josh Dixon (USOTC): Known for his excellent form and great height on floor and vault, Dixon made headlines off the mat by coming out just before the 2012 Olympic Trials, and since then Dixon has trained and competed like a weight has been lifted from his chest.
Adrian de los Angeles (University of Michigan): The talented de los Angeles made a statement at the Winter Classic (a.k.a. Winter Nationals) when he led after the first day of competition. He's been pegged as one of the gymnasts most likely to have a breakout year in 2013, and a strong finish at the U.S. Championships would help him achieve that.
Sean Melton (USOTC): A fresh young athlete with skills beyond his years, you can't count Melton out in this meet.
Donnell Whittenburg (USOTC): The 2012 Junior National Champion's gymnastics is that of a seasoned veteran, not a fresh-faced newcomer. Perhaps the most explosive, powerful gymnast in the field (and that's saying something), Whittenburg, who competed at the Mexican Open late last year, has the chance to make a name for himself in Hartford.
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Want to take back control of your food orders with Collectiv Food, but need some help? Check out some of our most frequently asked questions below.
If you still can't find the answer you're looking for, contact our dedicated sales team, who will be happy to help.
We specialise in meat, seafood, dairy, eggs and beverages, sourced to meet any kind of catering needs. We only work with food producers who produce, process, rear or grow their own products or add-value to products from other producers. We also look for producers who demonstrate a desire to produce quality products (always with external validation and certification). Read more about our quality criteria.
It's free for restaurants to use our platform and benefit from our services. We apply a fair and transparent margin on product prices, inclusive of our logistics costs and services. Our margin is usually half of what traditional opaque wholesalers and distributors would charge you. Ethics is core to our business and our producers have full visibility on our margins and final prices should they request it. We not only aim to have the best customer service, we also want to be as fair as we can with our producers. We pay them at the order (upfront) and help them access new markets.
No, we won't require you to enter into a contract with us. That said, and on a deal-by-deal basis, you might wish to set a contract with us if you want to secure fixed prices and terms for a longer period of time. We always find ways to support the growth of your business in the best way we can: fixed prices, long payment terms, flexible deliveries and more.
We do ask you to review and agree to our Terms and Conditions [pdf] when we start trading with you. These detail our processes in case you want to cancel or return your orders, as well as other eventualities.
Yes! In addition to applying a fair and transparent margin on product prices, you will benefit from our buying power and long and trusted relationships we've built across the world with thousands of farms and producers. Because we pay all our producers on order, they value their relationship with us. This has helped us secure savings for our customers upwards of 30% on some products. That's not all: we are working hard to create an innovative distribution model which improves our efficiency and customer service, and positively impacts our prices. Consolidation has been a great exercise to help our customers improve their savings even further. As we cover a great range of products such as meat, fish, dry store, dairy and beverages, consolidation drives prices down.
Most importantly, we understand how savings and margins are key to help you grow your business. We believe our distribution model goes way beyond being just a cost-savings tool. We want to bring transparency and full traceability on where and how your products have been produced. Our aim is to create better industry values by developing direct and fair relationships with producers.
This will also have a positive impact on your brand, as customers are more and more interested in knowing where ingredients come from.
No. The price you receive from us is the final price agreed and takes into account your specified delivery requirements and volumes.
Yes, definitely. By leveraging our market expertise, we're happy to discuss and present alternative options based on different factors such as provenance and delivery methods. Once you've shortlisted the products you're interested in, we will arrange samples for you to test in your kitchen.
We gather as much information as we can about each restaurant prior to trading. This can include credit checks but also reputation checks and customer feedback.
Tonnes of fresh products arrive every day at our consolidation hubs, located in key areas where we operate. From there, we go through quality and temperature controls and prepare your orders. These will then be delivered to you in a consolidated way.
We will always consult with you first to understand your delivery requirements (e.g. delivery window, access instructions, how you want us to place products in your fridge). We know how much a late delivery or picking mistakes can impact your operations. We make sure our back-end operations are in place for you to receive your products when and where you need them.
Payments are typically 30 days from the date of invoice. You will be provided with an automatic invoice on the day of delivery sent by email. If needed, we can also provide weekly and monthly statements. If you need longer terms, or would like to discuss a specific payment schedule, our team is here to help.
Thanks to the long-term and trusted relationships with our producers, even if your order is not based on large volumes, you should still benefit from the most competitive prices on the market. This is a great opportunity for smaller chains of restaurants to access larger producers at competitive prices.
All of our food producers sign up to our quality criteria. Quality and provenance are very important to us and we only work with food producers who produce, process, rear or grow their own products or add-value to products from other independent producers. The producers we work with always have external validation and certifications.
Certifications are validated through external audit bodies (live checks) and made available to you (e.g. BRC, IFS, Halal). We require for example a minimum of BRC Grade A to be part of our producer network.
We will make every effort to make sure that you get your ordered supplies. In the event of any issues please contact our customer service team and we will take all the necessary actions including having replacement products delivered by courier to you.
Nothing in fact. Due to the relationships we have built and how our customers value our services, we have no fear of bypass. We can always share as much information as possible and organise meetings directly with producers.
We believe we add intrinsic value to the marketplace by paying producers upfront, something which few food buyers are able to do. We also help our customers save time and effort by skimming through a vast range of product options during the sourcing phase. Our customers cut admin time by dealing with us directly for all orders placed, rather than dealing with multiple producers individually.
You can cancel your order from the time of placing it until the cut off point specified by your account manager, who will have discussed a schedule with you. You are liable for the full cost of the order if you cancel it after this time. More details can be found in our Terms and Conditions [pdf]
Setting up an account with Collectiv Food is straightforward: just fill in a short form and your account manager will do the rest. Once we have activated your account you can set up a quote request and start buying.
Please email us at firstname.lastname@example.com or message us through the website chat and we will help you sort out the issue. Thank you!


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Developed By: iNFOTYKE
New Delhi: Incessant showers trigerred flash floods and landslides in the hill states of northern India with at least eight people killed Monday in rain-related incidents in Jammu and Kashmir, Himachal Pradesh and Haryana.
In the wake of heavy rains, a 'red alert' was issued in Punjab where educational institutes have been ordered to remain closed on Tuesday.
Schools have been closed in Doda district of Jammu and Kashmir and in most places of Himachal Pradesh.
Heavy rains led to landslides which blocked the roads to Badrinath, Kedarnath and Yamunotri, affecting the Chardham Yatra, while traffic snarrled in the national capital due to waterlogging following heavy rains.
The Punjab government has asked district authorities to maintain vigil to avert any untoward situation due to heavy rains, an official said.
Punjab has been witnessing widespread rain for the last two days and the downpour continued Monday, prompting state authorities to review preparations to tackle flood-like situations.
Incessant rains in Punjab and Haryana could cause damage to kharif crops and dip in their yield, farm experts said.
In Haryana's Ambala, a 45-year-old man died when the roof of his home collapsed due to heavy rains, police said.
Torrential rains trigerred flash floods in Himachal Pradesh, sweeping away a man and a girl in Kangra and Kullu districts, respectively. A "high alert" has been sounded for Kullu district. (PTI)