text:
Britons risk up to 55% taxation if pension funds go over the UK lifetime allowance (LTA), but expatriates can take steps to limit exposure.
Are your UK pension funds safe from lifetime allowance (LTA) penalties? If you have several pensions, have been saving for many years or have a generous company pension, you could be in the firing line for 25% or 55% tax without realising it.
Since 2006, the UK government has capped how much you can hold in combined pension benefits without paying extra tax. Originally £1.5 million, the LTA peaked in 2011 at £1.8 million before gradually dropping to £1 million by 2016. Tracking inflation since then, in April 2019 it lifted slightly to £1.055 million.
While the lifetime allowance limit sounds high, it does not just capture the ultra-wealthy.
All UK pension benefits outside the State Pension are counted, including everything accumulated over a working lifetime. After decades of pension contributions, compounding interest, investment growth and tax relief, the limit may be closer than you think.
For 'final salary' (defined benefit) pension schemes, the usual measure of value is 20x the annual income due. Generally this will mean those with pensions worth £52,750+ a year would be affected today.
In any case, it is a good idea to review your situation, even if you have already started drawing benefits. With appropriate action now, you could protect your retirement savings from unnecessary taxation.
Once total pension funds exceed the allowance limit, extra tax is payable whenever you access your money – technically called a 'benefit crystallisation event'. How much you pay depends on the way funds are withdrawn – rates are 55% for lump sums and 25% for income or transfers to an overseas pension. So at best, the cost of being over can be a quarter of your funds, at worst: over half.
Being non-UK resident offers no protection. Usually, under the double tax agreement, residents of countries like Portugal, Spain, France and Cyprus are not liable for UK taxes on British pensions (except government service pensions). However, for anyone over the allowance, these rules do not apply – the LTA tax is applied in the UK first and cannot be claimed back.
Calculating how much of your allowance you have used is not always straightforward, especially for final salary pensions, so you should check your position with your provider or pension adviser.
HM Revenue & Customs (HMRC) will first test your allowance status when you start drawing your pension, then every time you access funds and when you turn 75. If you die before age 75, any lump sums paid to your beneficiaries will also be subject to the LTA test and subsequent tax penalties.
Each withdrawal uses up a percentage rather than a cash value of your LTA, so once you take 100% there is no remaining entitlement, even if the allowance subsequently increases.
You could secure a higher limit by applying for LTA 'protection' from HMRC, but this usually has strict conditions attached, so take guidance first.
Expatriates have the option of transferring UK pension funds to a Qualifying Recognised Overseas Pension Scheme (QROPS). As well as limiting your exposure to LTA penalties, a QROPS can provide tax-efficiency, currency flexibility and estate planning advantages.
If you transfer one or more UK pensions into a QROPS and your total benefits are under £1.055 million, you will not face LTA taxes on the transfer. However, make sure the QROPS is within the European Economic Area (EEA), such as Malta, otherwise you would still lose 25% through the UK's 'overseas transfer charge'.
Once in a QROPS, funds are out of reach of LTA penalties, no matter how much you have in total or how you access it.
See more on the pros and cons of transferring to a QROPS
Another option is to take your UK pension as cash and reinvest into a tax-efficient, compliant arrangement in your country of residence.
In any case, before making any pension decisions, taking regulated, personalised advice is crucial to avoid pension scams and determine your most suitable approach.
While you would trigger an immediate 25% LTA charge on a QROPS transfer, the funds become immune to further penalties. If you instead transferred to a UK scheme, like a Self-Invested Personal Pension (SIPP), you could do so tax-free but funds would remain liable whenever you take benefits and pass it on to heirs.
If you are hovering under the threshold, consider acting sooner rather than later to prevent growth tipping you over the limit and increasing your liabilities. As the LTA is only set to increase in line with inflation each April, there will not be much leeway if you are already at the upper end.
Regardless of whether the lifetime allowance will affect you, with Brexit around the corner, now is a good time to review your pension options. If you are living in Spain, France, Portugal, Cyprus, Malta or anywhere else, you should regularly check your financial planning to make sure you take advantage of available opportunities and protect your wealth in the most suitable way for your particular circumstances.
Contact us to discuss your pension options
Tax rates, scope and reliefs may change. Any statements concerning taxation are based upon our understanding of current taxation laws and practices which are subject to change. Tax information has been summarised; individuals should seek personalised advice.


text:
Buchen Sie drei aufeinander folgende Übernachtungen, ist die vierte Übernachtung für Sie kostenlos!
The website www.pinedeplage.com (hereinafter the "Website") is published by the society SARL MAEVA (hereinafter "SARL MAEVA").
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subset: commoncrawl


text:
Auburn tops Arizona to return to WCWS
AUBURN, Ala.-- Auburn's Oklahoma City bound again, and Emily Carosone figures the Tigers may be able to finish what they started last season.
The second baseman helped Auburn sweep Arizona 4-1 and 6-1 in a Super Regional on Sunday, staving off elimination in a must-win first game, and punching its second straight trip to Oklahoma City in Game 2. The victories came with the hitting of familiar faces and the 1-2 pitching punch of Makayla Martin and Kaylee Carlson.
Auburn came up big on its most important day of the season, and now will head to the World Series to play the winner of Sunday night's Oregon-UCLA winner-take-all game.
Sunday was nothing to it for Auburn. "We just had to beat them twice," Carosone reasoned. "We came out with a full tank of gas, both games."
Now, it's time for Auburn's second-ever trip to Oklahoma City.
"We're more prepared this year," Carosone said. "The first time we went it was new. The only ones who had been to the College World Series was Coach. Now, we know what to expect, we know what it feels like."
They know they'll be boarding a plane Monday in preparation for Thursday's World Series opener.
"This team is dominating," Carosone said. "Since we have the pitching, we have the hitting, we have the defense, there was no reason we shouldn't go to Oklahoma City."
Carosone was 3-for-5 with an RBI in the doubleheader. Haley Fagan hit her first homer and drove in three. Carlee Wallace and Tiffany Howard drove in two; and Kasey Cooper and Madi Gipson each drove in one. They provided the offensive cheers.
Martin, the freshman, and Carlson, the sophomore, provided the pitching, each going the distance, each allowing an earned run, combining to strike out only two, but walking just one.
"Our pitchers did a great job and the pup down there grew up a little bit," said coach Clint Myers nodding toward Martin. "She's not a freshman anymore, she's a seasoned veteran, and she is going to get the ball in Oklahoma City. We expect the same type of performance. Our expectations are high for everybody and of themselves. It was a great performance by both these young ladies."
Myers said the entire team followed suit.
"These girls played an outstanding game...they played an outstanding two games against a very, very good Arizona team," Myers said.
"These young ladies have started their journey for a national championship. They just need to continue along the lines they currently are doing. It could be a very, very good World Series for us."
Howard and Fagan delivered the big hits in the first game. Kasey Cooper and Carlee Wallace drove Auburn to a 4-0 lead in the second game.
Cooper drove in Auburn's first run and Wallace drove in the second run on a sacrifice fly in the first inning. Wallace drove in another in the third on a fielder's choice. Another run scored on the play on an error for a 4-0 lead.
Fagan, who missed the regular season following knee surgery, blasted a home run in the fifth for a 5-0 lead. It was her first homer since hitting one in last year's NCAA Regional against South Alabama. Carosone had an RBI in the sixth.
Auburn heads to Oklahoma City with a 54-10 record and with momentum from their final game of the season at Jane B. Moore Field.
"The fans today were phenomenal," Myers said. "For two days in a row, it was hot and humid, and I tell you, they were out there sunburned, beat red, but they never left and supported us the entire way."


text:
I haven't had much time to relax at home and bake in a while now. I woke up on a mission this morning to bake hot cross buns for my mother in law Helen. I can't believe it's that time of year again! Helen really enjoys hot cross buns. I've always purchased them at work it's so easy to just pick up a package. I had them in my hand yesterday but decided to bake them myself knowing I had the next day off. I made hot cross buns for the fist time last year and was thrilled with the results. Today I pulled out my old Better Homes and Gardens cookbook and followed that recipe. I'm so glad I decided to make the effort. It was so rainy here today. The perfect way to relax on my day off. My Husband Joe will deliver the buns to Mom tomorrow. I hope she enjoys them as much as I enjoyed making them.
Ground cinnamon
Apple Crisp
I am truly enjoying this Fall season. I especially loved picking up these apples on my way home from Bedford Springs, Pennsylvania a few weeks ago. My husband scouted out an apple orchard and with the help of our GPS we found it. There were so many choices of apples to pick from. I can't even remember all the names. We got a bag and just started filling it with different varieties of baking apples and a few extra for eating. I always use a variety of apples when baking pie, cobbler, or crisp. The flavor is just unbeatable. I used a special family recipe it's just the best! The ride home was just beautiful with all the colors of the changing leaves. I made my apple crisp the day after we arrived home. I couldn't wait! It took a while to get this posted, I do hope you give it a try.
As you can tell this recipe was used many times. I used some of my crisp mixture to make a few extra little servings. They get tucked in the back of the refrigerator for late night snacking.
The crisp may be served warm or cold. It is so rich in flavor from all the apples you can skip the customary scoop of vanilla ice cream. But if you must go for it!
Hope your having a wonderful Fall season.
Thanks for stopping by!!
Banana Nut Bread
What could be more comforting then ripe bananas baked into to bread. So sweet and so fragrant. This is one of my favorite fall treats.
My ingredients.
Cream the butter and sugar.
Add banana to the creamed butter and sugar. Then add eggs, vanilla, and spices. Add flour to creamed mixture.
Fold in walnuts.
Pour batter into buttered loaf pan. Bake.
Cool on a wire rack.
Serve on your favorite plate and enjoy!
Banana Nut Bread
9 tablespoons of butter, softened
1 cup light brown sugar, packed, you may use pure cane sugar if you wish
Cream the butter and the sugar.
4 very ripe bananas, mashed
Add to the creamed mixture.
2 eggs
1 teaspoon pure vanilla extract
1 teaspoon cinnamon
¼ teaspoon freshly grated nutmeg
Add the eggs, vanilla, cinnamon, and freshly grated nutmeg to the creamed mixture. Mix until blended.
2 cups unbleached all-purpose flour
1/4 of salt
1 teaspoon baking powder
¾ teaspoon baking soda
Sift ingredients together and add to the creamed mixture. Mix on low till blended.
¼ cup whole milk
Add milk and mix on low to blend
2/3 cup walnuts, chopped
Add walnuts to the mixture by gently folding into the batter.
Pour the batter into a buttered loaf pan.
Bake in a pre-heated 350 degree oven for about 1 hour and 10 minutes. A tooth pick inserted should come out clean and the crust will be golden. Cool 10 minutes in the pan on a wire rack. Then cool until it's warm on wire rack. Serve warm plain or spread with softened butter.
Bakers note: My ingredients were all at room temperature.
Recipe adapted from Apples for Jam by Tessa Kiros.
Thanks for stopping by God Bless!!!
Butternut Squash Soup
I can't believe it's the end of August; I love the summer so much! The older I get the faster the seasons seem to pass. I heard the crickets loud as ever last week and before I know it they will be sneaking out of the cracks and greeting me in the wee hours of the morning, just before I'm off to work. In the next few weeks my husband and I will try to visit the Jersey shore as many times as we can fit into our schedules. But the time will pass quickly and fall will be upon us. Aside from summer, I love fall almost as much. I love the baking, our trip to Pittsburg to try and catch the fall foliage and visit my husband's childhood home town. Pulling out the sweaters and lighting the fireplace for the first time on a chilly night. It's so much fun Spotting the first pumpkins and gourds at the local farm market. Going on a hay ride with your family and pulling out recipes for favorite soups and stews. With all of these things to look forward to I can open my mind and embrace the upcoming season. Sundays are good days for me to be in the kitchen. After church I love to come home and make something special for my family. Today with the realization that the end of summer is about a month away, I thought I'd try making butternut squash soup. I've never made butternut squash soup so it will be a time of testing for me. I have had it at restaurants and last year at a friend's house. I really enjoyed it each time I tasted it. I knew I would love to make it for my family homemade. I scouted the internet for recipes. There are many! I saw recipes that boiled the squash and vegetables and others that roasted them. I'm a big fan of roasted vegetables. Roasting just seems to bring so much flavor out of any vegetable. The other ingredient I wanted in the soup was apple. This is sure sounding like a fall soup now! I consulted my flavor bible book and decided to use bay leaf, nutmeg and cinnamon to add flavor. I also added an over flowing tablespoon of pure maple syrup to add a little more sweetness. To finish the soup I added a good dash of light cream and fresh grated nutmeg, just a dash. For a garnish on my soup I toasted some pumpkin seeds and sprinkled them on top. My house smelled amazing during this process I must say. My husband was kindly yelling out smells good in here! I just love that. Cooking and baking is such a blessing to me when I can share it with others. That's what makes it a joyous task. Well, after about an hour and a half I brought my soup out to my husband for tasting. He really enjoyed it, as did I. All the flavors and ratios worked well together. I would definitely serve this to company. I would however like to make this soup a few more times and try a few different recipes before I give it a place of honor in my recipe box. As much as I will miss summer I'm looking forward to fall and all the fun and yummy things that come with it. God Bless and enjoy your day!
Butternut Squash Soup
2 lbs. butternut squash, cut into 1 inch cubes
1 large granny smith apple, peeled and cored, cut into 1 inch cube
1 large yellow onion, cut into 1 inch cube
Kosher salt and fresh cracked pepper to taste
3 tablespoons olive oil
2-3 cups vegetable stock
1 bay leaf
1/8 teaspoon of nutmeg
1/8 teaspoon cinnamon
1-2 tablespoons pure maple syrup
Dash of cream
Fresh grated nutmeg, optional
½ cup toasted pumpkin seeds
Serves 4
Preheat the oven to 425 degrees
On a baking tray evenly spread out the prepared squash, apple, and onion. Sprinkle with kosher salt and fresh cracked pepper to taste. Pour olive oil over the vegetables and apple. Bake 30-35 minutes until the squash is very tender. When done roasting the vegetables pour them into a saucepan. Add 1 ½ cups of vegetable broth, the bay leaf, and the nutmeg and cinnamon. Bring to a gentle boil and heat through and let the spices marry. About 20 minutes. Remove from heat. Discard the bay leaf. Puree the soup and add the remaining broth until you have a nice consistency to the soup. Finish the soup with a good dash of cream stirring to combine. Grate a little fresh nutmeg over top. Garnish with toasted pumpkin seeds.
Thanks for stopping by!!!
Hot Cross Buns And Snow
My snowy backyard.
I was at the book store one day last week and to my delight my eyes came upon a new magazine: SIFT, a King Arthur Publication. As I thumbed my way through I saw beautiful pictures of bread, muffins, cakes, biscuits, pizza, sandwiches, gluten free baked goods, and a section on a Mediterranean feast. The photos all looked so appealing, but one picture really had my attention: hot cross buns. I was hoping to make hot cross buns for the upcoming Easter season this year to share with my Mother-In-Law Helen. She just loves hot cross buns and buys them every year. I read over the ingredients and method for preparing the dough and the baking. I happily purchased my new magazine and couldn't wait to bake the buns. Later that week we had a snow storm and I knew it was the perfect day for baking. The recipe called for either apple juice or rum, and I had rum on hand so I used that. It also called for mixed dried fruit, and I used a mixture of golden raisins and California raisins. I chose to mix the dough by hand instead of the mixer. When baking bread at home in such a small batch I love to get my hands in it. The dough was easy to mix and the process was relaxing. I did some reading during the rise times. It was so hard waiting for those buns to cool, but I wanted to enjoy the little taste of icing piped on the top to get the whole experience of the tasting. It was worth the wait! The bun was soft and tender. The fruit was tasty with the infusion of the rum, and who doesn't love the taste of icing? I love the buns and the magazine. I will be patiently awaiting the next issue, but 'till then there's lots more great recipes in this issue to try.
Thanks for stopping by!!!
Cranberry Orange Muffins
These muffins smell so good baking in my oven this afternoon. I have always made these muffins just around Thanksgiving. The beautiful fresh red cranberries just beg to be added to muffins, breads, and fresh cranberry sauce of course. Who could resist them! I lived in Washington State many years ago and I would bring these muffins to my Sunday school class. Everyone really seemed to enjoy them. When you bite into this muffin it's moist. The orange zest and cranberries give a burst of fresh tangy flavor and the nuts give a delightful crunch. Once you try these tasty muffins you will want them every year. When see those beautiful red cranberries, you won't be able to resist!
Cranberry Orange Muffins
2 Cups all-purpose flour
1 cup granulated sugar
1 ½ Teaspoon baking powder
½ Teaspoon baking soda
½ Teaspoon salt
1 Teaspoon ground nutmeg
1 Teaspoon ground cinnamon
½ Teaspoon ground ginger
2 Tablespoons freshly grated orange zest
½ Cup shortening
¾ Cup Fresh orange juice
2 large eggs beaten
1 Tablespoon pure vanilla extract
1 ½ Cup fresh cranberries, chopped
1 ½ Cups pecans, chopped
Bake 375 degrees in a pre-heated oven
Bake 15-18 minutes
In a large bowl add all the dry ingredients and the orange zest
Cut in the shortening
Stir in the orange juice, eggs, and vanilla
Stir just till combined, add cranberries and nuts. Gently stir just to bring ingredients together. Don't over mix. Line muffin pans and fill 2/3 full with the batter. Makes 1 ½ dozen.
Thanks for stopping by!!
Apple Pie and Pittsburg
I have been dreaming of baking an apple pie for several weeks now. The fall chill in the air just seems to beg for the oven to be lit. My husband, Joe and I planned a quick getaway last weekend to Pittsburg. He was born in Pittsburg and grew up in the boro of Castle Shannon. I decided to wait on my pie so I could purchase the apples from a farmers market nearby. Trax Farm has so many different kinds of apples. Joe's Mom Helen always made her apple pie with star apples. I was going to look for those apples to make my pie just like his mom's. Unfortunately they had no star apples. Since there were so many different kinds of apples I decided to use a variety of apples for my pie. I chose Jonathan, ginger gold, golden delicious, Jonagold, and granny smith. I loaded up my bag and paid. It was cool enough in the car that they wouldn't spoil for the few days we were visiting. We had such a great time sight seeing and visiting Joe's old neighborhood. We even made it to the Steelers game on Sunday due to the generosity of an old college buddy of Joe's who lives in Pittsburg. I was so excited on our return home to make my apple pie. I waited till the next day and rolled up my selves. I relived our trip in my mind as I prepared the pie. When Joe came home from work that day we enjoyed a piece after our dinner. It was so delicious! I'm sure it was all those different apples and the fact that they came from Pittsburg of course!
Apple Pie
Double crust pastry
8 cups apples, different varieties of baking apples. Peeled and sliced.
2-3 tablespoons fresh squeezed lemon juice
1 ¼ cups granulated sugar
3 heaping tablespoons all-purpose flour
1 ½ teaspoons ground cinnamon
¼ teaspoon ground nutmeg
¼ teaspoon ground cardamom
2 tablespoons unsalted butter, diced
2 tablespoons of whole milk
Prepare your favorite pastry crust chill for a least 1 hour or purchase a ready-made crust. Peel and slice the apples. Toss the apples with the lemon juice. Add the sugar and spices and mix with a spoon until evenly coated. Roll out the bottom crust and fill with the apple filling. Dot the top of the pie with diced unsalted butter. Roll out the top crust and place on top of the apples. Crimp the edges. Brush the top crust with while milk, and then cut slits in the top of crust to make a vent. Bake in a pre-heat 375 degree oven for 50-60 minutes. Cool on a wire rack. Serve warm or cool and refrigerate and serve cold.
Thanks for visiting!!


text:
North Korea expels detained Japanese on principle of humanitarianism
North Korea says it has expelled a detained Japanese man accused of breaking the country's law during a visit earlier this month.
The official Korean Central News Agency (KCNA) said in a two-sentence report on Sunday that Tomoyuki Sugimoto had been "kept under control" for questioning about "his crime" in the North.
Korean authorities decided "to leniently condone him" and expel him "on the principle of humanitarianism," the agency added.
A Japanese government source also confirmed the report, saying that Sugimoto had been deported and was now in China, according to Kyodo News agency based in Tokyo.
"There are various procedures to complete till his return to Japan," the source told Kyodo on condition of anonymity.
The Japanese government, however, declined on Monday to answer questions about the prospects and timing of Sugimoto's return to Japan.
"Given the nature of the matter, I will refrain from comment," said chief cabinet secretary Yoshihide Suga.
Two weeks ago, the Japanese government said, Tomoyuki Sugimoto "was kept under control by a relevant institution to be inquired into his crime against the law of the DPRK," using the acronym for the Democratic People's Republic of Korea.
The man, 39, had apparently been suspected of filming a military facility, while he was on a group tour to Nampo, a western port city, which is home to a major naval base, shipyard and missile factory.
Tokyo had sought his release through the North Korean embassy in Beijing, according to Kyodo.
Tokyo and Pyongyang have no diplomatic relations.
The developments come amid a rapprochement on the Korean Peninsula, involving Pyongyang on the one side, and Seoul and its ally Washington on the other.
The North released three US detainees in May in an apparent goodwill gesture before a summit between North Korean leader Kim Jong-unn and US President Donald Trump in Singapore.
Japan has maintained a hard line on Pyongyang, but Prime Minister Shinzo Abe has floated the idea of holding a summit with Kim to resolve all pending issues and build "new Japan-North Korea relations."


text:
Miss Florida is back in the great state of well, Florida.
They ended their adventure with a 10 hour road trip. We were lucky enough to have a little back and forth text messaging, near the home stretch. 4 hours 'til home. 60 minutes 'til home. home, safe and sound.
She went, she helped, she came back better, richer, fuller. Her pictures are worthy of a look-see. http://sunnymissflorida.wordpress.com/
Thank you to all who played/prayed along. Thank you for wearing the bracelets. It was a fun and happy way to support our friend, Kathy. Thanks for joining me. The prayers helped her. They kept her safe and carried her home. We helped in the mission.
While I know she is reunited with her sweet dog, Penny and all is well, I still have on the bracelet. I sort of have grown accustom to it. It is still a pretty orange. I love thinking of our old quilting days. I love dreaming about all the new adventures we will climb together.
Even though girlz love the bracelet idea, a certain boy did not relish it. Mr. Right loves Miss Florida. He wore the bracelet. The things that man does for me, (heart skips a beat here) The moment I got the text that she was home safe…..


text:
I've been talking a lot about light lately. Why not? We all know it's the prime component in photography. It's the thing that makes a photograph a photograph. It doesn't matter whether you make digital files, shoot film or even make some kind of photogram. Without light, there is no picture.
This is what happens when I walk outside, carrying a camera and happen to look at the spring flowers as the sun is starting to set. This is also what happens when you break on of the biggest photo rules around. They say, "Never shoot directly into the sun." I ask why not?
Yeah, sure. Your highlight will be blown out into the unrecoverable specular range. But, if you close the aperture enough you'll get starbursts and other weird effects as the light bounces around the lens.
That's what happened to this picture.
One little suggestion. It's probably a better idea to use your camera's LCD rather than trying to use the viewfinder, especially if it is some kind of electronic viewfinder. They "see" very brightly. You can guess the rest.


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Water started coming out of a crack in the road in front of 3046 Guilford a month ago. I reported it to 311 (#13-00637664). It continued to leak and nothing was done; a couple weeks ago it had created a foot-diameter hole in the asphalt; by this week the hole was probably ~2 ft round and the road around it was sinking. I don't know why the city let it leak for so long and undermine the pavement. Did anyone else report the leak?
Linda -----Original Message----- From: Chat [mailto:chat-boun...@charlesvillage.info] On Behalf Of Stephen J Gewirtz Sent: Thursday, September 12, 2013 12:19 AM To: The Charles Village Chat List Cc: Charles Village Discussion List Subject: Re: [Chat] Water is off I went outside, and a city crew is working at the other end of the block (near the southwest corner of 31st and Guilford). They are digging up part of Guilford Ave. I was told we should have our water back in a couple of hours. I just saw Emil's post on the chat list. He lives right near where the crew is working, and they clearly are working hard. It takes a lot of work and money to maintain ancient water mains. And thanks Emil to for encouraging the fixing of the problem. Steve On 9/12/13 12:03 AM, Stephen J Gewirtz wrote: > At this moment, my house has no city water. Earlier this evening, I > noticed that the water pressure was lower, but the water was still on. > Fortunately, we have some bottled water in the basement for > emergencies. Also, earlier this evening, we saw a yellow flashing > light outside on what may have been a city water repair truck. > > I did call 311. If you press 3 after a recording tells you that it is > after hours, you get someone who is supposed to handle public works > emergencies, but she said it could be 24 hours before the water is > back on. I was given a service request number. She also said it was > shift change time, so information may not have been available to her. > > I am on the 3000 block of Guilford. It is too late to see whether > others on the block also have no water, so I will ask on these list > serves whether anyone else is having the same problem. > > One thing I guess we all are aware of is that the water distribution > system in Baltimore is ancient, and most of it should be replaced but > will not be because of the expense. At least I am not seeing any > flooding outside, but I may go out and take a look. > > Steve > > _______________________________________________ > Chat mailing list > email@example.com > http://charlesvillage.info/mailman/listinfo/chat_charlesvillage.info > archive: http://email@example.com/ > _______________________________________________ Chat mailing list email@example.com http://charlesvillage.info/mailman/listinfo/chat_charlesvillage.info archive: http://email@example.com/ _______________________________________________ Chat mailing list firstname.lastname@example.com http://charlesvillage.info/mailman/listinfo/chat_charlesvillage.info archive: http://email@example.com/


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The letters are among the reliable methods of previous communication and are grouped in various forms with various uses. The apology letters should avoid referring to sensitive personal issues, as they could be read by other people. Tracking letters are usually the combination of sales letters and acknowledgments in some cases. A motivation letter is easily the most personalized and important document you can make to be able to send it to the desired university, where you will have the opportunity to present yourself and have a fantastic opportunity! There are not many actions that allow you to generate a personal social letter suitable for small businesses.
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Students, staff raise $7,700 for American Heart Association
Students, staff raise $7,700 for American Heart Association
In recognition of American Heart Month, students at Michael A. Maroun Elementary School recently participated in several heart-healthy activities that concluded with a schoolwide celebration.
Throughout the month of February, students learned about healthy nutrition and exercise habits. In physical education class, they took on the Warrior Challenge, an obstacle course comprised of different cardiovascular exercises.
"They learned about Healthy Highways, how exercise effects the heart, and raised money for the American Heart Association all month long," said MAM physical education teacher Alice Benjamin.
She noted that the students' commitment to fundraising was "incredible." Students, with contributions from family, teachers and community members, raised $7,709.03. Over the last nine years, the MAM community has raised $44,916.03 for the AHA.
To celebrate the fundraising accomplishment, the students who collected the most donations had an opportunity to turn their physical education teachers and principals into a spaghetti dinner. Students took handfuls of pasta, a ladle of sauce, meatballs, parmesan chees and Italian bread, and covered the teachers and principals from head to toe.
"It's messy, but so worth it," Benjamin said. "The students worked hard to raise money for a cause that is near and dear to me. We're so proud of them and they deserve to celebrate."


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The use of credit cards to settle financial obligations between contractors and their clients and contractors and their vendors is becoming an increasingly popular payment option. The Management Methods Committee's latest bulletin – Credit Card Payments – explains how to establish this payment option and its advantages and disadvantages.
Credit card transactions used to cover the cost of goods and services involved in construction projects offer substantial advantages over more traditional payment methods. Improvements in cash flow due to faster payments (within 30 to 45 days) and electronically deposited funds and in customer relations and simplified administration results in greater cost savings. Vendors realize additional benefits in increased sales due to B2B payments, online transactions and the opportunities to gain "preferred supplier" status.
As with any financial transaction involving credit, banks impose fees to cover the processing of payments, which range from 1% to 3% of the transaction amount. The party that accepts the payment must also absorb the fee, which may affect the negotiated price for the goods or services. And, if a contractor accepts a credit card payment for a project, the fee will affect his/her profit margin.
Before adopting credit card payments as a transaction option, be sure you understand the bank account requirements and conditions to avoid additional fees.
Looking for Another Management Methods Bulletin?
You can find them on our Management Methods Bulletins page. There, you'll find the bulletins listed by category with links to help you get what you need quickly.
Or, find them in the Resource Center, where you can use the blue Refine Your Search bar to pinpoint exactly what you're looking for.


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The Reeds Spring High School boys track and field team continued its impressive season by winning the Class 3, District 6 Track Meet last weekend.
Individual winners included:
Ransom Allphin (110-meter hurdles and 300-meter hurdles)
Korey Robinette (100-meter dash and 200-meter dash)
Xavier McDaniel (Shot Put and Discus)
Kyle Modlin (Triple Jump)
The 4x100-meter relay team and 4x200-meter relay team also won.
The girls track and field team finished fourth overall. The 4x100-meter relay team finished first, so did the 4x200-meter relay team. The sectional track meet is May 20 at Eldon.
The baseball team split its last two regular season games, beating Hollister 8-2 and falling to Cassville 3-1. In the first round of district play, the Wolves defeated Mount Vernon 4-2.
The RSHS boys tennis team won its district semifinal match against Greenwood, 5-0. Nick Smugala and Carson Hewitt won singles matches and the doubles teams of Smugala and Parker Maloney, Scott Mueller and Dyllan Harris, and Hewitt and Harley Caudill won as well. In the district championship, the Wolves lost to Springfield Catholic, 5-0.
Published Print


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Hello crafters, Kirsten here with a quick extra post. I made this card at the same time as the cards in yesterday's post but I thought there were enough pictures in that post.
As with yesterday, these stamps are from the Butterfly Kisses Snowflake set of stamps from Hobby Art. I stamped the swirl in Picked Raspberry distress ink & the single snowflake in Salty Ocean on a piece of hammered card stock. Then I misted the card with water so that the colours ran a little & dried. Next, I mixed a little pale gold mica powder with water & spritzed the card with it & dried with my heat tool. This gives a subtle sheen to the card.
I coloured a scrap piece of white card with Salty Ocean DI & cut the snowflake with a Joy Crafts
Ice Crystal die & attached it to the card with a glittered brad. I stamped the quote with Picked Raspberry DI, mounted it on a piece of silver card & layered it on the card on top of a piece of ribbon from my stash.
That's it, see you next week. Until then, happy crafting.


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In my adventures, I have discovered that Horror satisfies Record, and the diaphanous overall world of "gods, demigods and spirits around the lifeless"
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Mr McRobie available to submit an publish with the Thrust about difficulties arising from the illustration Evaluate technique executed by Natural atmosphere Canterbury. The Thrust agreed. Mr McRobie's 1st effort and effort and energy was judged A lot Significantly as well exceptionally very long a result of the assistant editor; a long run was withdrawn by Mr McRobie Inside the event the parameters on which he seasoned argued his state of affairs are already turning into improved through the announcement of Ecosystem Canterbury's remaining proposals for that illustration evaluation.
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Managing panel info Although utilizing the 1993 and 1996 New get more info Zealand Election Experiments, we learn that information for PR is predicated on added widespread evaluations in the fairness in regards to the political technique and partisan self-want.
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Now they will make for by on their own the type of God they Picture they want–the sort of God they've got earned, It's possible.'
Making use of insights from social-choice plan to illuminate the Functioning of pluralitarian Westminster institutions, this instructive post develops a coherent political response to four puzzling thoughts around the economic liberalization that reworked New Zealand in 1984–ninety three: why an anti-statist programme was initiated here (and mainly attained) by a labour celebration, why restructuring was a great deal far more radical in New Zealand than in other democracies, why reformers ended up being capable of prevail on account of two elections as well as a modify of presidency, and why they dedicated expensive system-sequencing issues.
Scott McRobie Can Be Fun For Anyone
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Thursday, August 22, 2013
Family Visit
2 comments:
- Caley said...
What adorable little people! And you all look like you are enjoying time with them. Perhaps you will branch out from deaf dogs?
- August 25, 2013 at 8:58 AM
- Karen said...
Jacob looks downright adorable in that hat. And I think your readers would enjoy photos of both you and Alycia trying on cowboy hats and hugging people, too, just saying.
Did running up the dyke wall tire Jacob out or not? There are many exhausted parents of toddlers who would appreciate this vital information (Another demographic who would benefit from a study of this type would be babysitting grandparents.) Our own research is sadly well over twenty years old, and probably not accurate.
And there is an aquarium at Cabela's? Wow, one just opened in Green Bay, looks like date night on Friday finally has a destination.
- August 28, 2013 at 1:01 AM


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Hiawatha Broadband Communications, Inc. (HBC) announces the promotions of Todd Schaefer to the position of Chief Information Officer and Jim Kronebusch to the position of Chief Technology Officer.
HBC President and CEO Dan Pecarina said he is pleased that Schaefer and Kronebusch have accepted their new leadership responsibilities. "As the company continues to grow, so does our focus on technology related details including product development, time to market, quality control, and research and development. In their newly defined positions, Todd and Jim will keep HBC focused on these details."
As Chief Information Officer, Schaefer will focus on increasing efficiencies of internal processes, collaborating with vendors, and aligning HBC technology with business priorities. Schaefer has over 24 years of experience in engineering and network operations and has been with HBC since 2011. Originally from New Ulm, MN, Schaefer is the proud father of five children.
In his new role as Chief Technology Officer, Kronebusch will oversee the implementation of technologies that enhance product development, while employing a technical strategy to provide a superior experience for HBC's customers. He will also be responsible for HBC's network operations and engineering teams. Kronebusch has been with HBC for 3 years. He has 15 years of IT experience in the healthcare and education and has also owned his own IT consulting company. Kronebusch is a life-long Winona, MN resident, is married and has two children.


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Links Sort by: Hits | Alphabetical
|Arms Manufacturers in India [ http://bhargavarmsco.com ]
Bhargav Arms Co is an arms manufacturers in india including 12 Bore Shotguns, Side by Side Shotguns, SBBL having World Class Brands like DAVA, Stallion & Others. AVBHARGAV GROUP Started its operation in the year 1958 with its Flagship Company The Bhargav Arms Co. The journey started with Lt.Sh.Dogar Nath. The journey started with Lt.Sh.Dogar Nath Bhargav , Founder of Bhargav Arms Company, who hailed from Pallandri(POK). Before Partition, the family moved from Pallandri to Jammu and entered into Gun Manufacturing Business. Sh.Dogar Nath Bhargav started his Journey as a Gun Smith and worked as an Apprentice Under Late Sh. Hem Raj Khajuria , Founder and Owner of Khajuria Arms Company . In the year In the year 1958 , he entered into the Gun Manufacturing Business after getting his Own Manufacturing Licence in the name of Bhargav Arms Co. Later in the year 1973 at a mere age of 16 years Sh. Amar Nath Bhargav joined the family business along with pursuing his Graduation and Post Graduation Degree. Alongside his father Sh.Amar Nath Alongside his father Sh.Amar Nath Bhargav Pioneered the Gun Manufacturing Industry. From Manufacturing in the later years he diversified the business to real estate , metals , distillery, trading,retail and wholesale of Firearms. »» Details for Arms Manufacturers in India
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|ELCOM Group is a manufacturing company based in India. [ http://www.elcom-group.com/ ]
ELCOM Group headquartered in India is primarily involved in designing, developing, manufacturing & deploying devices in the areas of Aerospace, Electronics & Communications useful for Defense and Civil Forces. Our products make Battlefield & Ship Communication easier. »» Details for ELCOM Group is a manufacturing company based in India.
|Reportmarkets [ https://www.reportmarkets.com/ ]
ReportMarkets is a leading platform of research reports, journals, country and company research, daily news and deals landscapes. To support decision makers, planning, financial and marketing teams across the world, we source thousands of reports from trusted and preferred publishers on key industries. Our powerful 'market research tool' with sophisticated refined search capabilities ensures all potential business opportunities, market insights, outlook and happenings across your industry reach you at the right time. Free research tool –Public reports with relevance to companies, organizations and universities are compiled in a single location to provide you quick access. The tool makes available most of the top-level information and analysis so that you can spend money on more complex analysis. Our In-house analysts' team with wide expertise and experience on specific industry sectors helps you get the right report for your research requirement. Highly motivated team of industry specialists, tech savvy engineers ensure the latest and apt research is ranked at the top providing ease of access to our customers. ReportMarkets assists our clients to decide on new entry strategies, potential markets and forecasts of global markets based on client's budgetary, geographical and other considerations. We also link up with external industry experts to provide periodic insights, opinion polls, expert opinions on latest developments across industries. »» Details for Reportmarkets
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We are one of the leading manufacturer, supplier and exporter ofBrass Injection moulding Insertsas per our valuable customer's needs and requirements. »» Details for Brass Injection moulding Inserts
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We are iPhone Service Center in Tnagar, Chennai. We provide high end service to your luxurious and costly iPhone / iPod / iPad in no time at reasonable price. »» Details for Iphone Service Center in Tnagar, Chennai @ +91 9840 111124
|Helicopter Service [ http://www.charterflightsaviation.com/helicopter.html ]
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|12 Bore Gun Price In Jammu [ http://varunarmoury.com ]
Varun Armoury is Indias Top Arms and Ammunition Dealer, 12 Bore Gun Price in India and mainly deals with Indian made products. Revolver Mark 4 – Mark 4 Revolver Price in Jammu. Indian Ordnance Factory Top Arms and Ammunition Dealer for factories like Rifle Factory Ishapore, Gun and Shell Factory Cossipore, Ammunition Factory Khadki, Ordnance Factory Trichy, Small Arms Factory and Field Gun Factory. »» Details for 12 Bore Gun Price In Jammu
|Aircraft Repair [ http://jubilantenpro.com/about-us ]
Jubilant Enpro is one of the leading aircraft spare parts suppliers in India. We provide spares for aircraft as well as aircraft support services and aircraft overhaul services. »» Details for Aircraft Repair
|RCbenchmark UAV Performance [ https://www.rcbenchmark.com ]
We design, build and sell state-of-the-art UAV performance tools and kits. Because flight time, stability, lift capacity and reliability mean money for professional and commercial drone operators, you can trust RCbenchmark when it comes to raise the bar. We provide the most effective dynamometers, thrust stands, optical probes, motion captures and circuits as well as a range of aftermarket replacement parts that will make your drones more competitive on your market, more performant in flight conditions, and more durable for your customers. Test, measure, control, track and record important information like thrust torque, voltage, current, temperature, rotation speed, paths, vibrations and more. The possibilities are limitless. Our proprietary software makes all the data easy to understand for drone manufacturers or professional pilots. We invite you to search our website to find the right solution for your needs. In a hurry? We can ship most of our products the next day in a well packaged box and the quality of our after-sales support makes RCbenchmark one of the most reputable companies in the world. »» Details for RCbenchmark UAV Performance


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Get Thee to the Funnery at Barre Highgate
In 2012, Peter Gould and Doug Hemmings ( Community & Social Services Coordinator at Highgate Apartments in Barre, VT) conspired to bring the Funnery into Highgate, one of central Vermont's federally-subsidized housing communities. Since then the program has expanded to include circus arts, dance, drumming, storytelling, writing, younger campers, and making movies!
Our Highgate resident actors look forward to our programming every summer. Their enthusiasm and personal growth tell us: this is a model that's ready to move into similar apartment communities throughout Vermont, and, right up the steps, through the door, and INTO the Department of Education!
For now, let's just say that Highgate is on hold. We deeply, sorrowfully mourn the passing of our sponsor and chief cheerleader, Doug Hemmings. What a wonderful man! The children of Highgate have lost their Best Friend.


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According to sources despite reporting more than 1.5 million new cases every year, India's cancer rate remains lower than, say, the economically advanced US. That's about 100 cases per 100,000 people compared with 300 in the US. Meanwhile this may be easier to explain: Indians are a vastly younger people and as people get older, the chances of getting cancer get higher.
But survival rates are poor barely a third of patients survive beyond five years or more after being diagnosed with the disease. Presently breast cancer is now the most common cancer among women in India, accounting for 27% of all cancers among women. Oncologists say there has been a sharp uptick in cases in the last six years. Further at 45-50 years, the peak age of onset of breast and ovarian cancer in India appears to be a decade younger than the peak age (above 60 years) in high-income countries. This could be due to genetic and environmental factors.
Furthermore Dr Ravi Mehrotra, director of the National Institute of Cancer Prevention and Research and one of the authors of the study, believes that known risk factors for breast cancer high-fat diet, obesity, late marriage, fewer children, inadequate breast feeding may be leading to more cases in what is a rapidly urbanizing country. Moreover he says, many women may be diagnosed late because of lack of awareness and reluctance to go to doctors. Accordingly cervical cancer is still the second most common cancer among women in India, and accounts for a quarter of deaths among women suffering from cancer.


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03-04-2018 | Respiratory | News | Article
Airway type 2 inflammation refractory to corticosteroids in many severe asthma patients
medwireNews: Airway type 2 inflammation is not fully suppressed in around half of asthma patients despite receipt of inhaled corticosteroid treatment (ICS), study findings show.
These patients tend to be older and have more severe asthma than their counterparts with low type 2 inflammation and could be good candidates for adjunctive treatment with specific inhibitors of type 2 inflammation, say John Fahy (University of California, San Francisco, USA) and co-authors.
They add: "This is consistent with the idea that type-2 airway inflammation is refractory to treatment with corticosteroids in a subgroup of asthmatics, and that incompletely suppressed type 2 inflammation is a mechanism of severe asthma."
The team generated a composite metric of type 2 inflammation – type 2 gene mean (T2GM) – based on the average expression of genes for three type 2 cytokines (interleukin [IL]-4, IL-5, and IL-13) in induced sputum cells.
The mean sputum expression levels of the type 2 cytokines and T2GM were significantly increased in the 259 patients with asthma receiving ICS treatment, compared with 30 healthy controls. T2GM remained significantly increased even after treatment with intramuscular triamcinolone, which the researchers say refutes the idea that persistent type 2 inflammation is simply the result of patients not adhering to treatment or being given too low a corticosteroid dose.
When the researchers looked at T2GM expression levels in the asthma group alone using the 50th centile as a cutoff point, they found that 130 of the asthma patients – 50.2% – could be classified as having high T2GM despite ICS treatment.
This group of steroid-treated type 2-high (srT2-high) patients were significantly older than srT2-low patients, at an average of 50.3 versus 46.2 years (p=0.02), and in support of this T2GM was found to be significantly higher in older than younger age quintiles (p=0.003).
Asthma patients in the srT2-high group also had more severe asthma, as evidenced by lower forced expiratory volume in 1 second (FEV1; 17.9 vs 19.2% predicted; p=0.005), a higher frequency of asthma exacerbations in the prior year, and a higher frequency of a severe asthma diagnosis.
Indeed, the rate of srT2-high asthma was significantly greater among patients with severe asthma than among those with non-severe disease, at 55% versus 40% (p=0.02). And the researchers believe that these srT2-high patients "stand to benefit from adjunctive treatment with specific inhibitors of type 2 inflammation, including inhibitors of type 2 cytokine[s] or inhibitors of the prostaglandin D2 receptor 2."
By comparison, the 45% of severe asthmatics who did not have increased type 2 inflammation are less likely to benefit from such adjunctive treatment, say Fahy and team.
The authors report in The Journal of Allergy and Clinical Immunology that sputum eosinophils and blood eosinophils were the best non-invasive biomarkers for identifying patients with refractory airway type 2 inflammation, with accuracies of 79% and 76%, respectively.
But they caution that age and body mass index (BMI) could modify the performance of these biomarkers. Notably, blood eosinophils performed badly in patients over the age of 35 years, compared with in younger patients.
"These data are highly relevant to decisions for when to treat patients with severe asthma with protein therapeutics," says the team.
Also, blood eosinophil number was a strong indicator of srT2-high asthma in patients with a BMI below 40 kg/m2, but a poor indicator in morbidly obese patients, and so a low count in these individuals should not necessarily rule out the use of adjunctive treatment with type 2 inflammation inhibitors, the researchers advise.
By Lucy Piper
medwireNews is an independent medical news service provided by Springer Healthcare. © 2018 Springer Healthcare part of the Springer Nature group


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There is a great picture at the finish line of the 2015 Emera Marathon by the Sea.
Andrée Germain of Granby, Que. and her new partner Michel Trottier of St. Lambert, Que., stand arm-in-arm, clutching a New Brunswick Flag, beaming with smiles of satisfaction and accomplishment.
Michel crossed the line seventh overall in 3:19.08 over the at-times hilly layout. Andrée was right behind in ninth in 3:25.22 in her first-ever marathon, which also qualified her for the Boston Marathon. More importantly, she won the women's race by almost two minutes. Continue reading


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May 2013
Selling IB BOOKS!
laura08 posted a topic in General IB DiscussionHi everyone, I just finished the IB and are trying to sell my books! Message me if you're interested in any of them. Willing to send pictures of books. Prices discussed of email. Buyers must pay postage depending on weight/size and German Post Prices. ONLY SELLING TO EUROPEAN UNION COUNTRIES Theory of Knowledge books NEVER READ BRAND NEW ! 1. Through The Language Glass by Guy Deutscher ISBN - 978 0 09 950557 0 2. Why People Believe Weird Things by Michael Shermer SBN - 978 0 285 63803 7 3. Irrationality by Stuart Sutherland ISBN - 978 1 905177 07 3 4. The Secret River by Kate Grenville ISBN - 978 0 85786 084 2 5. Sophies World by Jostein Gaarder ISBN - 978 1 85799 291 5 English books good condition ! 1. Persepolis by Marjane Satrapi ISBN 978 0 099 52399 4 2. The Glass Menagerie by Tennessee WIlliams ISBN 978 0 8222 0450 3 3. The Reader by Bernhard Schlink ISBN 978 0 7538 0470 4 Geography hardly used very good condition 1. IB Oxford Study Guide Geography (SL+HL) by Garrett Nagle and Briony Cooke ISBN 978 0 19 915241 4 ALSO HAVE THE BIO OXFORD STUDY GUIDE FULL OF WRITTING (SYLLABUS POINTS AND STICKY NOTES WITH ADDITIONAL INFORMATION) WILLING TO SELL ITS FOR 10 EUROS STILL GOOD CONDITION BESIDES THE WRITTING. THANKS!
GEO HL Paper 3 study
laura08 posted a topic in Other SubjectsHi, just a very general question for geo hl paper 3. How are you guys studying for it? Are you learning every topic or are you just learning a few main points considering we only have 2 questions to answer? Thanks
Nov 12 sp 1 tz 0 mark scheme searchthanks a heap !
Nov 12 sp 1 tz 0 mark scheme searchdesperately looking for a mark scheme exam is tomorrow !!! or at least help with question 5-7 9 and 10 !!!!! N12/5/MATME/SP1/ENG/TZ0/XX mark scheme THANKS !
bio hl may 2013 exam !
laura08 posted a topic in Biology and ESSFreaking out about bio hl exams any study tips ? I cant seem to keep anything in my head and am slowly losing motivation.Help !
Last Min ENG LL HL P2 tips?
laura08 replied to laura08's topic in Languages A Language & Literaturethanks helped a lot !!
Last Min ENG LL HL P2 tips?
laura08 posted a topic in Languages A Language & LiteratureEnglish Lang and Lit HL Paper two today.... any last tips on structure ? Thanks !
GEOGRAPHY HL Revision Guide Swap
laura08 posted a topic in Other SubjectsHeey; Looking for complete syllabus outline for Global Interaction section. Willing to swap for either Leisure Option or Food and Health Option. Also wouldnt mind a look at a hazards and disasters guide ! Thanks in advance!
Geography revision guide swap
laura08 posted a topic in Other SubjectsHello, I am desperatly searching for syllabus notes for the Geo option: The Geography of Food and Health. I am willing to swap the my full leisure revision guide for a full guide for this topic. I have a really bad teacher and have no case studies for this topic. Please Help !
What are some good universities in Germany
laura08 replied to eabdin's topic in Universitygerman uni's are pretty strict and for the IB to be accepted you need to do either bio or math HL.. its all on the IBO site


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Hi, Renee! Thanks for the like on "Blackbird"!
Hi Renee. Minted revised the challenge to include 4 colors but thank you for the feedback. Best, Kerry
Thanks for the comment, Renee! They actually updated the guidelines to allow for up to 4 colors, but I think a lot of people have missed it. Definitely makes things easier!
Hi Renee! I feel so honored - thank you! To answer your question, yes, the Joy to the World is an existing font with some hand-drawn elements mixed in. The font I used was Pacific Northwest, which is pretty fun and quirky. Minted is such an amazing place to meet and learn from other designers. I've learned so much since my first Minted competition. Best of luck with your submissions! :)
i'm familiar with Tu B'av... it's a Jewish thing world round, not specifically Israeli...but a minor holiday on the Jewish calendar... there are no specific holiday rituals.. it's more of a remembrance of a historic event in the past (too long to get into here)... in general many religious holidays are being commercialized by marketing. I have no idea who Saint Valentine was but I'm sure he didn't think of Pink Hearts in Hallmark as his legacy... ;-) I'll google him and read up on it!
No worries, Renee! I appreciate you pointing out the mistake. It actually led me to have a great discussion with an old friend who is extremely knowledgable about Jewish culture. In Israel, they have their own holiday called Tu B'Av which is similar to Valentine's Day. Same is true for China who has a holiday called the Double Seventh Festival. Both these cultures however have adopted our Western version of Valentine's Day as well so I feel like it's fun to give a nod to the old and new since the card is supposed to be a nod to love around the world. I really wanted to add Greek, but the phrase is so long there was no way to fit it! Thanks again!
Thank you for the like! Best of luck in the challenges
Renee, thank you for the feedback, I will defenitly try a version without text or with less text!
Thanks so much for the sweet words!!
Hey Renee. Thanks for the comment on my fabric submission. You had a question about how I created it. I hand drew the elements, scanned them and used illustrator to make them vector. Hope that helps.
Hi Renee thank you very much for the likes! Good luck in the challenges!
im still amazed... you don't have to share your secrets (unless you want to! ;-) )
but i'm assuming you silhouetted the hands when you faded the building behind it but that would not work for the bubble. so i dont know. like i said, i like this for the artistry, the technique as well as the story and you're the only one i rated five. i'm glad I made your day! i think there is a lot of competition on this website but i love the concept. i dont know how long I'll stick with this but i may. it's worth it just to see other people's work and interact with them. thanks again!
Wow. Thank you! Your comment really made my day. "Reach" is one of my favorites, too--partly because it was completely unplanned. I was on a trip to Barcelona and saw some street performers blowing bubbles while children played nearby. One of the kids reached up to touch a bubble, and I snapped this shot. I then used Photoshop to fade the background into black and white while letting the color of the hands and bubble "pop" (pun intended). Anyhow, I really appreciate that you took the time to comment. Best of luck in the save the date challenge!
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Blog Archives
Merlin: Diamond of the Day
I can't believe I'm actually able to write this, but the series finale of Merlin was amazing! I enjoyed it immensely and I'm glad the series ended on such a high note.
The episode kicked off with more battle scenes and Merlin riding towards Camlann. Once he got there, Merlin sent a few lighting bolts, which pretty much ended the battle. Mordred fatally injured Arthur. Arthur killed Mordred. Merlin took Arthur in the woods and revealed he's a sorcerer. At this point, we're only ten minutes into the episode and I'm like 'what's going on?' I had honestly thought it will take most of the episode to get to this point, but I was glad for the quick succession of events – especially considering how well they've used the rest of the time.
So, let's talk about Merlin and Arthur. What a wonderful thing their friendship has turned into! More has been achieved in this episode than in these last two seasons combined; Arthur has grown a whole lot and Merlin finally displayed his wisdom in an innocent, pleasing way. The scene in which Merlin revealed he has magic, although a bit out of the blue, was awesome and Arthur's reaction excellent. Uncertainty, fear, rejection and betrayal were all emotions that took over him upon hearing the news and I felt Bradley James did a great job of portraying them.
Most of the episode focused on Merlin and Arthur's journey to Lake Avalon, where Merlin hoped to heal Arthur's wound, and Arthur realizing the implications of Merlin being a sorcerer. It truly was wonderful to watch them interact. Merlin and Arthur's chemistry has always been one of the best things about this show and it really shined in this last episode. There were a lot of great moments between those two: Merlin lighting a fire using magic in front of Arthur, Merlin feeding and taking care of Arthur like he'd been doing since the beginning, and of course, Arthur and Merlin's final moments together. While the death of Arthur was to be expected, I still had a glimmer of hope the writers would keep him alive. They didn't, and it was still one of the saddest moments in the entire series. Merlin called for the dragon one last time (and for once, it made sense that he screamed his lungs out), the dragon took them to the lake, where a tearful Merlin sent Arthur off in a boat. Like I said, it was an incredibly sad and well-done moment.
Meanwhile, Gaius traveled back to Camelot and informed Guinevere and Gwaine that the hot blonde (Eira) was a traitor. They gave her false information about Arthur's destination to throw Morgana off-course before executing her in public. Gwaine and Percival rode out to meet Morgana and I was legitimately scared that she will die at the hands of two of the most boring and useless characters in the series. I would have been so mad if Percival had been the one to kill her that it would have ruined the entire episode, so I'm glad that wasn't the case. Morgana knocked them both unconscious, tied Percival to a tree, tortured Gwaine into revealing Arthur's destination and then left him to die. Sweet. I only wish her death scene had been a little less rushed.
There were a lot of other great moments in the episode: Gaius saying goodbye to Merlin, Morgana killing that man in a fit of anger and surprisingly enough, most of Gwen's scenes. I almost couldn't believe how mature, strong and competent she acted after she got back to Camelot. My favorite scene with her was when Eira was captured. 'You didn't betray the King; you can go to your death safe in that knowledge.' This is what she should have been like after being crowned Queen, and not a pathetic creature whose sole purpose was to stroke Arthur's ego every now and then. The scene in which Gaius confirms to her that Merlin is a sorcerer was also very sweet.
All in all, it was a fantastic end to the show. I'm not sure how I feel about the final scene, but I think I liked it. As I had anticipated, I'm already nostalgic and missing the show. I'm so not good with endings.
S0 now what? How do I fill this newly formed hole inside me? By watching Camelot! 😀 It only has 10 episodes, but my hope is that it will help make the transition to a Merlin-less* life easier.
*It will never really be completely Merlin-less, though. 😉
But for now… one last time:
Merlin: Diamond in the making?
Well, I have to give the penultimate episode of Merlin mixed reviews; I mostly enjoyed it and thought it was one of the best of the season… but is that saying much at all?
The episode started with an awesome scene in which Morgana demonstrated her latest (and last) plan of attack on a poor sorcerer – she used a magic leech to suck out his magic and intended to do the same to Merlin. It was a great opening and Katie McGrath did a really awesome job – as usual. I kind of wish we'd been told of this leech during one of Morgana's earlier attempts to find out who Emrys is.
A masked guy planted the magic leech's box in Merlin's room and after he got home from the pub, where he used his magic to beat Arthur at backgammon, he was taken by surprise by the creature and lost his magic. That's all fine and dandy, but can we go back to him using it to beat Arthur at a game? That's something the immature Merlin from the first or second season would do… where's all the wisdom he's supposedly gained since? Anyway, because Merlin didn't die after the leech's kiss, Gaius assumed Morgana's plan failed, even though he knew nothing about the creature. That's not like him at all.
Morgana's men then proceeded to attack a village, defeat what guards and Knights there were and take over. Gwaine fell for this hot blonde and took her back to Camelot, where after a pointless, boring Council, Arthur decided to strike back and end the war with Morgana once and for all. Meanwhile, Morgana forged a blade using her dragon's fire breath and gave it to Mordred. I'm glad they writers were putting some thought into this last plan of hers; it almost made up for the countless times she's been made to look like a fool.
Speaking of Mordred, though, I feel like his entire arch was handled the wrong way. Throughout the season, he's been portrayed as this honest, loyal friend of Arthur that Merlin didn't trust on the basis of some prophecy. In the end, he turned to the dark side not because he always intended to, but because Merlin hated him and wanted him gone. That just feels cheap and I wish they came up with better reasons for his actions.
Back to the episode. Since Arthur and his army will meet Morgana at Camlann (or something), which is the place where he's supposed to die at the hand of Mordred, Merlin made up some excuse not to go with him and traveled to the Crystal Cave to see if he can get his powers back. The scene in which he breaks the news to Arthur was brilliant and I loved it. Now that it's the end of the series, the writers have stopped messing around with their relationship and started moving it along, which is great. I loved everything from how Arthur took it and the effects it had on him throughout the rest of the episode. This was one of the highlights of the episode.
After reaching the Crystal Cave, Merlin encountered a surprise: Morgana. Turns out the hot blonde worked for Morgana all along and had told her about the Cave. So instead of killing Merlin, she just trapped him in the one place where he could regain his powers… and only after being mildly injured by Merlin, who's barely yielded a sword before. *Sigh.* Really? Why do the writers insist on making her so incompetent and stupid?
Merlin had a breakdown (great scene) and passed out. When he woke up, guess whose ghost was there to help him out? His father's! The father who had only appeared in one other episode, the father Merlin's never really known, yet has always looked up to like no other. I'm sorry, but what about Lancelot, who died for Merlin and had a much bigger part in the story? What about the girl Merlin fell in love with in season two? Gwen's brother? The dragon? I know it's not dead, but it would still have been a better choice.
But no, we got his father instead. This is the first thing he told Merlin:
"Dead or alive, real or imagined, past or present… these things are of no consequence. All that matters is you heed the words of your father, who loves you."
WHO talks like that? Then he went on about how Merlin is magic and the world is magic and Merlin is the world… I'm so frustrated because this scene could have been a great one, and instead we got a cringe-worthy monologue from a character nobody cares about.
Meanwhile, Gwen gave Arthur another one of her dramatic speeches about how he's great. She really has been insufferable since she's become Queen. Morgana launched her attack, but Merlin was able to warn Arthur about it. The scene in which he delivered that speech was another strong one. Grim, spooky, haunting music, an uplifting speech… I loved it. Then the battle commenced and we got some awesome part-slow-mo shots of Arthur fighting. They've used this technique before, but they really nailed it this time!
The episode ended with Mordred trying to find and kill Arthur and Merlin emerging from the cave as the old, red robed sorcerer. Why the old sorcerer? It's the end of the series and the main character can't reach his full power unless he turns into a grandpa?
For better or for worse, we only have one more episode until Merlin ends and I'm already nostalgic. Despite these last two seasons, I'll still miss the story and the characters. Here's hoping the final episode knocks it out of the park!
The world of Sanctuary
Sanctuary is a Canadian SF/Fantasy TV Show that I'm currently obsessed with. Obsessed as in watching-episodes-until-4-AM obsessed. But ever since I woke up this morning I've been wondering what to do with my life, now that I've finished the available four seasons in a little over a week. I remembered I have this thing called a blog and I've written in there I'm going to start posting more regularly again. In retrospect, I don't know what came over me then, but I do have this huge emptiness to fill, so I might as well let you in on this amazing show.
The show centers on the head of The Sanctuary Network, 157 years old Helen Magnus (Amanda Tapping), and her team of experts as they deal with all kinds of abnormals (powerful creatures, for the most part the result of natural mutations, although some are created on purpose). The Sanctuary Network is a network of safe havens for abnormals, with Sanctuaries placed all over the world, naturally.
In addition to being the elected leader of the Network, she is also the head of the Old City Sanctuary, which is where a good part of the action takes place. In the pilot episode, Sanctuary For All, Helen recruits forensics psychiatrist Will Zimmerman to work for the Sanctuary. Reluctant at first, he eventually accepts her offer and becomes her protege. Also part of the Helen's team are her daughter Ashley, a Sasquatch-like creature only known by the nicknames Big Guy, Biggie or Big Foot and Henry Foss – the tech guy. From the second season, the team is joined by bad-girl-gone-good Kate Freelander.
Naturally, over the course of four seasons more characters -usually interesting characters- are introduced, brought back or sent away. Midway through the first season, for example, we learn of one group of individuals called 'The Five', group which Helen was a part of. That group is one of my favorite things about this show, and some of its members are based on real life figures: Jack the Ripper or Nikola Tesla (his character in the show is actually one of my favorites, but that's another post).
The episode The Five wasthe series' turning point, at least for me. Up until then, I thought the episodes were kind of slow paced and not intriguing enough. But beginning
with it, the episodes got more suspenseful, funnier, the characters' story lines started getting interesting… Things started to shake up quickly and they only continued to do that; each season is unique, with at least one big change happening. It helps keep the show fresh, while still staying true to its theme and concept. For comic relief, there are a lot of references to other books (even a Harry Potter one!!!!), movies, music – you name it.
What I love about the show is how reasonable and realistic the solutions to problems are. Almost every episode, a seemingly impossible situation is introduced and by the end of the episode (or the story arc), we are presented an elegant solution that actually makes sense. Granted, I didn't watch many SF shows before, but I was expecting a lot of deus ex machina type of endings, characters dying and then being brought back to life constantly, and so on. But that is not the case at all. Another thing you can count on are the special effects – always stunning. The show is being filmed mostly on green screen, which makes it either one of or the most environmental friendly shows out there.
I'm going to end this post here, cause I'm trying to keep this one as spoiler-free as possible. A follow up discussing my favorite characters should be up soon, and then I'm going to list my favorite and least favorite episodes. All of them. From all seasons. It will be fun.
Anyway, if you're a SF or Fantasy fan, I say definitely give this show a shot. You most likely won't regret it.


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On 23 rd February 2017 at Jumeirah Beach Hotel an outdoor event in the garden outsides facing Burj El Arab and the weather was fresh & a bit of a nice wind Babyshop, a one stop kids' destination from Landmark Group has unveiled its latest brand positioning at a fashion filled, fun and engaging evening in Dubai.
The event showcases its fun and fresh Spring Collection through a kids fashion show along with the new brand reveal children from 3-12 years walking the ramp to showcase.
Babyshop's fun and fresh Spring Collection for the year. The highlight of the evening was the reveal
of its new brand identity – 'It's your Style'.
The highlight of the evening was the youngest DJ from Dubai who at the age of only 12
years with strong DJ skills and blowing away the crowd with his exceptional talent, stood tall looking
dapper in attire created by him from Babyshop's Spring collection.
This event was hosted by the beautiful Jumana Al Darwish (CEO Founder of @ThehappyBox) and her cute daughter @thelittlemadamofficial
Speaking on the occasion, Mr. Vinod Talreja, CEO, Babyshop,Babyshop Spring Collection is a combination of casual designs and sporty styles, offering stylish seasonal essentials in spring colour palettes with a wide range of options for little boys and girls.
The extensive collection lends a lively, cool and casual feel showcasing a fresh and energetic look of spring fashion for the young kids.
The key brands featured in the spring collection will include Juniors, Eligo, Giggles, Lee Cooper, Posh,
Smurfs, Maui & Sons, Maui Princess, Hello Kitty, Disney Princess and Barbie.
The collection is available across all 50 stores in UAE and if you dont want to go shopping and tire yourself up can also shop online at www.babyshopstores.com :))
-The End-


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News Releases
The Divison of Marketing and Communications provides access to the most up-to-date information released by Memorial University of Newfoundland. Archives of previous news releases are also available.
To access news releases from Grenfell Campus please click here.
SUBJECT: Notice of class cancellation
DATE: Sept. 12
Memorial University course, Business 2301, with Prof. Josee Dumas, scheduled for Tuesday, Sept. 12, 2006, at 7 p.m. has been cancelled. For more information visit: www.mun.ca/cancellations.php.
- 30 -
For further information, please contact Meaghan Whelan, communications co-ordinator (business), 737-2616 or e-mail email@example.com.


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Doing business over internet is a tough thing to do especially in new and highly unregulated markets like elo boosting. There are no established rules and many look at this as an opportunity to cheat.
If you have purchased boost at least a couple times you are well aware of all the shady "companies" or groups that don't value your time nor money and at best scenario give you cheap service without necessary security precautions like VPN.
Here at Chivalrous Boosting we have created a safe bay for everyone looking for MMR boosting. Contrary to many we are legally operating company registered in Poland, EU. We pay our taxes and for many of us boosting is our main source of income. Chiboost isn't just a one time thing, it's something built to last! That's why we never leave a customer dissatisfied you will always get what you paid for.
Quality and professional boosting takes a lot of time and experience so to keep our price competitive and our boosters well fed and happy we pay from 70-80% of boosts worth directly to the booster, compared to 40-60% of industry standard…
Our mission is to give best players opportunity to monetize their skills and at the same time leave happy customers behind.


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Liberals to upgrade Ferntree Gully Railway Station
Passengers along the Belgrave line should feel safe commuting to and from work. Nick Wakeling, State Member for Ferntree Gully, has announced that an elected Liberal Nationals government will commit $300,000 to undertake important upgrades to Ferntree Gully Railway Station. The... Read More →


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We all know that breakouts are major bummers and come as a result of the many reasons that are not under our control such as temperature, humidity and other environmental problems such as pollution and dust. Additionally, many people fail to understand that stress and certain emotional changes also lead to major breakouts, even in those people who did not experience them during their teenage life. Of course, acne can be a genetic problem as well, but you cannot change your genes, your environment or switch off the sun to relieve breakouts—therefore, experts recommend giving certain acne treatments, cleansers and scrubs a shot that would provide instant zip zapping, so that your face maintains a radiant glow and feels fresh and clean at the same time. The following are some of the best acne relievers that will surely prevent or reduce major breakouts:
Neutrogena Oil-Free Acne Stress Control power-Clean Scrub
Your skin does not respond to stress positively and causes vexing blemishes on your face which result in even more stress that adds to the pimple count–an unfair cycle indeed. Your body releases sebum, an oil, when you are feeling tensed. The scrub is specially designed to reduce this oil and remove excess dirt and debris left on the skin. The micro beads and the creamy base gently exfoliate the skin so that it looks and feels clean and non-greasy. Moreover, it alleviates your skin ailments inside-out as its aromatherapy properties feature green tea extracts and cucumber that soothe your mind and your skin at the same time.
Olay Professional Pro-X Clear UV Moisturizer SPF 15
Many teenagers suffer from acne prone skin due to puberty; however, if you are way past puberty and are still experiencing annoying breakouts, you are most probably dealing with adult acne which is not easily cured by many acne products. It is important that you realize that most of the acne products are designed for teenagers as they are more likely to experience major breakouts and blemishes due to puberty. The treatments formulated for teenagers do not always work on adult acne and cause a lot of irritation of the skin. This new formula introduced by Olay is designed to treat the fragile skin of adults so that blemishes are greatly reduced, leaving the skin soft and radiant without any redness, dryness or irritation. The product hydrates your skin without leaving a greasy film like many other sun blocks.
Super Clarifying Activator by Dr. Nicholas Perricone
If you do not like the harshness of toners, perhaps it's time you try something new; Activators. The product is to be used after cleansing so that it can clean your pores and retain its nutrients and additionally, provide more nutrients to enhance the effectiveness of other facial products you use. The product consists of malic, quercetin and salicylic acids that unclog your pores, gently exfoliate and reduce redness of your skin without leaving it greasy or irritated—making it feel fresh, natural and uncontaminated with harmful chemicals.
X Out Wash-In Treatment
Everybody is busy juggling with numerous products to support an acne combat system to completely destroy all breakouts, for good. Therefore, a new, smart design has been used to prepare a one-step formula to banish blemishes once and for all. Created by the makers of Proactiv, this formula contains prescription-grade benzoyl peroxide which kills bacteria that cause major skin ailments. Additionally, the micro beads gently exfoliate the skin and the essential fatty acids prevents it from feeling scaly and dry so that it feels soft and looks well-hydrated.
Ioma Moisturizing Toning Lotion
Toners are effective skin cleansers that reduce oil and facial pores. However, they can be very harsh and cause dryness of the skin as well. This new formula does not contain any alcohol so that it does not take away any natural oils away from your skin. Its alpha-hydroxyl acids and hyaluronic acid hydrate the skin, balance it and brighten it—giving it a fresh and natural feel.
And of course our number one favorite, as we always save the best for last — the amazing Acne All Purpose Cream designed by Bio Plant Laboratories to give you the cleanest face and the closest thing you are ever going to get to curing your acne problem. We sell it over and over again at our store to customers because it works and because they love the results. Feel free to try it out for yourself. Contact us for a free $3.00 coupon towards your purchase. We would love to hear from you. There's nothing nicer than clean, blemish free skin. If you have any product favorites, let us know. Enjoy your new look!


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Budding Branch Necklace, Small Bronze Elm Twig
in: Bronze
The most delicate cast bronze budding elm branch necklace, so sweet!
I chose a delicate specimen from an elm ree along Baltimore's own Patterson Park. These are cast from nature, their whimsical personalities come through in each design!
Chain is silver plated, total necklace measures 18"