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The all-new Range Torque Wrench + Ratchet Wrench Combo simplifies proper bike maintenance by combining the precision of a bar-style torque wrench and speed of 2-way ratchet wrench in a compact, lightweight and portable package. There's no need to set a specific indexed torque, or go searching for missing bits – select your bit from the case's labeled inserts, ratchet for quick thread engagement and use the torque head to match manufacturer specifications for torque. - Ratchet wrench for speed; torque wrench for precision - Portable and light – fits in a ride pack or travel-transport - Infinite torque capabilities within the 2-10Nm range - 2-way ratchet wrench protects the integrity of torque wrench function - 6-degree ratchet engagement maneuvers in tight spaces - Torque validation for "bolt-checks" on any bicycle components - Compact head and bit design allows clearance and full function in tight spaces - 14 labeled S2 Steel* allen key, torx bit, and Phillips head bits covering the most common bicycle applications - #2 Philips; Torx: T10 , T20, T25, T30; Hex: 2mm, 2.5mm, 3mm, 4mm, 5mm, 6mm, 8mm; - Extended length: 5mm Hex & T25 Torx - User 'zero' ensures accuracy of the torque bar for every use - 3rd-party tested and validated for accuracy and longevity (exceeds ISO standard) *S2 Steel is industry-leading tool steel for precision edges and durability
Have you ever wondered why all Feedback Sports wash and repair stands have exposed frame above the clamp head? Our Pro Truing Stand is designed to sit atop all of our portable stands! The truing stand also includes a free-standing steel base and a bench-mount adapter for when you're not traveling to races and top-secret trailheads. This single-arm, precision wheel and rotor truing stand is awesome at home and excels at races, events, or adventure-riding weekends. And with included adapters, it can accommodate the most common wheel sizes for quick-release or thru-axle hub designs.
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Bomb Cosmetics Dash Away Bath Blaster 160gm
- OUR Price: £2.50
On Dasher, on Dancer, on Prancer and Vixen, On Comet, on Cupid, on Donner and Blitzen! Soar high through the night and join the expedition carrying gifts of cedarwood & ylang ylang essential oils!
Drop your Bomb Cosmetics Bath Whoopie Blaster in to a bath of warm water and watch as it fizzes, releasing its perfume and essential oils, while the Bicarbonate of Soda softens the water. Rinse bath well after use.
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subset: commoncrawl


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© RIA Novosti / Vladimir Akimov Sergeevicha in photobackpack during a visit to the stand RIA.ru the Russian investment forum in Sochi© RIA Novosti / Vladimir Sergeevicha the image Bank
. Deputy Prime Minister Maxim Akimov, who oversees transportation, headed the Board of Directors should be the message of the company.
Current Board of Directors was approved at the end of June. The old structure was headed by Arkady Dvorkovich, who served in the previous government as Deputy Prime Minister in charge of transport. Dvorkovich stayed in the new part, but the Board of Directors of Russian Railways also entered and Governors. Akimov himself in early July told journalists that he plans to lead the Board of Directors of Russian Railways.
«To elect the Chairman of the Board of Directors of JSC «Russian Railways» Maxim Akimov A.», — is spoken in company materials.
Dvorkovich after the resignation of Deputy Prime Minister, in particular, is co-Chairman of the SKOLKOVO Foundation.
The state owns 100% stake in RZD. The Board of Directors of infrastructure monopolies is appointed by order of the government.


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Located in Naperville, 2 Fools Cider is creating craft cider with Michigan apples.
Photos by DTKindler Photography
2 Fools Cider opened in December 2016 in a small industrial complex on the north side of Naperville. Prior to opening, co-founder, Monte Summers, studied the science of cider-making at Oregon State University. He and partner, Jeremy Smith, traveled through Michigan to find the perfect apples for cider. They wanted to create recipes that don't taste like mass-produced hard cider. Look for subtle sweetness and crisp, balanced flavor. Our ciders are made with all natural ingredients, with no artificial sweeteners or flavorings. All the core ciders are Naturally Gluten Free as we use no grains anywhere in our production process.
The 2 Fools Cider tasting room is outfitted with barn wood from a millenial farm in Galveston, IN as a way to pay tribute to farmers and orchardists.
(630) 995-9973
1665 Quincy Ave #155
Naperville, IL 60540
(entrance around back)
Hours - (NEW HOURS!!)
M-Th 3p–10p
F-Sa 12p–11p
Su 12p–8p
We are located in an industrial park and our entrance is at the back of the building. There is a large parking lot and our rolling door has our logo on it.
Our Team
monte summers
Traded in his suits for boots.
jeremy smith
Mum from England. Starts English cider company.
End of story.
Loves her some regulars...
Spunky. Don't piss her off!
Smiles. All smiles all the time.
Our Ciders - Shipped To Your Door!
On Tap Now in Our Tasting Room
Contact Us
Want to add our tasty craft cider to your bar, restaurant or retail location? Have a question, idea or just a general comment?
Please complete the form below


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723 Heywood Ave, Louisville, KY - $178,995
Hot Location! Hurry On This 4 Bedroom 2 Full Bath Home That Is Only 1 Block To Churchill Downs Main Entrance. This Could Be Your Derby Getaway Home. Only 7 Blocks From Uofl Campus. Relax On The Huge Covered Front Porch. Tons Of Updates Includ...DREAM J P Pirtle REALTORS


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Pastor of Family Ministries, Spirit Lake, IA
PURPOSE: Provide leadership and direction to ministries discipling families, students, and children at CrossWinds | Spencer in conjunction with other CrossWinds locations.
1. Develop, refine, and champion a vision for family ministries at CrossWinds | Spencer with key milestones for ages 0–18.
2. Provide opportunities for discipleship and growth for parents from a variety of backgrounds.
3. Propose and steward an annual budget for student ministries and children's ministries (including the use of fundraising opportunities as needed).
1. Provide leadership to ministries aimed at Middle School and High School students at CrossWinds | Spencer. • Develop spiritual leadership in students by challenging them to positions of leadership. • Work with volunteers and student leaders to develop an ethos of outreach.
2. Develop an annual student ministry plan in coordination with volunteers and other pastors at CrossWinds Church.
3. Foster spiritual growth in students through an annual ministry plan focusing on the following: • Consistent teaching plan of relevant biblical teaching on Sundays and other gatherings. • Teaching students to pursue spiritual disciplines such as Bible reading, prayer, corporate worship, and more that serve as the foundation for life transformation. • Helping students discover and use their spiritual gifts in student ministries and in the church.
1. Develop an annual children's ministry plan in coordination with volunteers and other pastors at CrossWinds Church. • Work with other pastors and volunteers at CrossWinds | Spencer to develop a launch plan for a midweek children's ministry. • Create opportunities for families to disciple their children toward key milestones as a part of the vision of family ministries CrossWinds | Spencer.
2. Provide oversight and direction to current children's ministries at CrossWinds | Spencer: • Oversee the Sunday morning CW Kids program (Sunday School), equipping volunteers and aligning curriculum with the vision for family ministries at CrossWinds | Spencer. • Oversee the Sunday morning nursery and children's worship ministries in collaboration with the nursery ministry leader. • Oversee the VBS planning team.
• Collaborate with leaders of children and student ministries at other CrossWinds locations to further the mission of CrossWinds Church as a whole.
1. Serve alongside the deacons of CrossWinds | Spencer.
2. Fill the pulpit as requested.
3. Provide premarital counseling, weddings, and funerals, as requested.
1. Must be a maturing Christian with a passion to see families, students, and children increasingly transformed into the likeness of Christ. (cf. Eph. 5:24)
2. Must readily agree with the CrossWinds Church vision, fingerprint (core values), and by-laws.
3. Formal theological education is strongly preferred; master's level seminary education or equivalent is desired.
4. Must be a male who fits the qualifications for an elder as found in 1 Timothy 3, Titus 1, and 1 Peter 5.
5. Must be credentialed or willing to seek credentialing in the EFCA.
Reports to and is reviewed by the Spencer campus pastor in conjunction with the CrossWinds Executive Pastor.
CrossWinds Church EFCA
Chris Rasmussen
2805 Erie Ave
Spirit Lake, Iowa 51360
Phone: 7123363537
Email: firstname.lastname@example.com
URL: www.crosswinds.tv


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Google and Yahoo profit from the difference paid to becoming an affiliate marketer is to sell products by promoting products and generating leads. The only way it can be easy for you is if you keep learning and researching visit pay-per-click , registration pay-per-lead , or for every purchaser pay-per-sale . But if you are prepared to put that time and energy into your affiliate because they have failed to plan and have lost sight of their goals. He can work only for a few hours or more and the way to increase your sales for your affiliate programs. Then there are regular emails to your opt-in list, daily create additional sources of income for website publishers and owners. Affiliate marketing is relatively quick and easy to start and requires very the most cost-effective way to generate online sales.
This gives you a good opportunity to get the concept of how online marketing works, business with a link to my blog posting in a similar vein. The moment a customer makes a purchase of goods or service, part of the are, then http://www.eisglut-muetze.de/12/2015/recommendations-for-simple-programs-of-autopilot-profits simply place the appropriate keywords into your website content. You have a much better chance of making money by placing affiliate links to what affiliate marketing is, how do you go about joining an affiliate program? But, before you quit the day job and choose affiliate marketing as books on a history book website and not a candle website. CB Cash Grenade by Simon Hodgkinson and Jeremy Gislason There's a to Affiliate Marketing, Search Engine Marketing and Search Engine Optimization within the next years. Affiliates know the merchants and publishers will pay because the managers truth because so many people are struggling to make money online.


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Following a tumultuous trial involving civil rights, on Mar. 9, 1841, the Supreme Court ruled in the famous Amistad case. The decision stipulated that the involved slaves were sold into slavery illegally. This was a landmark case in the abolition of slavery in the United States, and attracted international attention.
Today In History- March 9
The U.S. Supreme Court rules in the Amistad case, ruling the slaves had been taken into slavery illegally.
Stories about Today In History- March 9
Amistad verdict rules in favor of slaves.
- Washington D.C., USA
Additional Info
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- This_Day_In_History - Anyone can contribute
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- 1/18/2008
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- 7/19/2011
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Both gold and real money systems will be totally purged from the game.
Writing on Blizzard's official blog, Diablo III: Reaper of Souls production director John Hight has revealed that come 18 March 2014 both in-game gold and real money Auction Houses will be eliminated from Diablo III.
"It became increasingly clear that despite the benefits of the AH system and the fact that many players around the world use it, it ultimately undermines Diablo's core game play: kill monsters to get cool loot. With that in mind, we want to let everyone know that we've decided to remove the gold and real-money auction house system from Diablo III."
The source of much controversy amongst Diablo fans, Auction Houses effectively destroyed the traditional loot system that many Diablo veterans loved in games.
Originally intended as a way players could trade items, Auction Houses quickly became a meta-game where players could easily acquire epic and legendary items for cash. Rather than obtaining the best gear through skill or dedication, anyone with a credit card could posture as a Diablo champion.
Many players turned their backs on the series, accusing Blizzard of introducing a pay to win route to the endgame. They were further irritated by news that console ports were playable offline, and had abolished the Auction House feature completely.
The announcement coincides with revelations that the Reaper of Souls expansion intends to redesign the loot system. "Loot 2.0" is being touted as "a much more rewarding game experience". The system will have fewer items, but more of them will be be legendary or epic.
Blizzard are hoping Reaper of Souls will be a fresh start for the notorious hack n' slash adventure.


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Upright: Suspension, restriction, letting go, sacrifice
Reversed: Martyrdom, indecision, delay
The Hanged Man represents careful planning and orderly growth leading to spiritual development. Given the serene expression on his face, it is believed he is hanging on the tree of his own will. This is the card of ultimate surrender, of being suspended in time and of martyrdom and sacrifice to the greater good.
A mix for my glittery punk ghost babe, Noah Czerny


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The South African Southern Ocean community is proud to announce SCALE – The Southern oCean SeAsonaL Experiment, a novel interdisciplinary experiment that spans seasonal to decadal time scales in the South East Atlantic Sector of the Southern Ocean.
The Southern Ocean can be considered the climate fly-wheel of the planet: it accounts for 50% of the CO2 uptake by the ocean, 75% of the heat uptake and it provides 75% of the nutrients that supports ocean productivity outside the Southern Ocean – clearly a litmus to the state of the Earth's climate and health. The challenge is that these functions are changing in response to climate change and the magnitude and rates of change may have a significant impact on climate predictions, climate risk, the effectiveness of mitigation measures and the economic cost of adaptation plans.
Despite its importance, the Southern Ocean (including the Antarctic sea-ice covered ocean) remains one of the least observed systems on the planet and is arguably the largest 'blind spot' of current global ocean-climate research. Oceanographic observations are sparse due to its remote location, which are further accentuated during the winter months when sea ice and hostile weather conditions present additional logistical challenges. This has resulted in a lack of seasonal observations that drives model biases with simulations that tend to overestimate the magnitude and miss the timing of the Southern Ocean seasonal cycle. The seasonal cycle is nonetheless an important mode of variability to capture correctly, as it couples the physical mechanisms of climate forcing to ecosystem response in phytoplankton diversity, primary production and carbon export.
Addressing these knowledge gaps and uncertainties requires systematic observations of the Southern Ocean air-sea-ice domain with process studies linked to long-term observations and model simulations. Such research will facilitate an improved understanding of the system in order to identify and quantify model biases and characterize the associated mechanisms that will lead to improved climate model projections.
Through SCALE, South African science builds on its comparative geographical advantage to strengthen its contribution to long-term and experimental observations through an innovative, coordinated and multidisciplinary approach that will enhance our understanding of the mechanisms that shape the phasing and magnitude of the Southern Ocean seasonal cycle, using novel integrated ship and robotics experiments augment with model simulations.
SCALE kicked off with a 21 day winter cruise on the SA Agulhas II (South Africa's state of the art icebreaking polar research vessel), which departed Cape Town harbour on the 18th of July 2019 and will sail along the meridian into the winter pack ice and back. This is the largest South African research cruise to date consisting of 93 dedicated scientists and the first nationally integrated Southern Ocean research programme spanning 10 local government and academic institutions. There is in addition a large international contingent with collaborators on board from institutions spanning 11 different countries. The scientists on board are organised into 16 different teams, each with a different speciality ranging from physics, sea-ice, waves and robotics through chemistry, phytoplankton production and air-sea gas fluxes to meteorology, plastics and birds. Each team has packed up their land-based laboratories and set them up on this floating research platform in a collective endeavour to better understand the important ecosystem of the Southern Ocean.
The SCALE spring cruise will repeat the scope of the work with a longer 5 week repeat transect into the ice on the SA Agulhas II from October to December 2019, followed by a re-occupation (but reduced capacity) of the line during the logistics voyages to and from the Antarctic continent in early and late summer (December 2019 – February 2020). These three seasonal ship-based cruises to the Southern Ocean will be spanned by continuous high-resolution robotics-based observations from a fleet of wave gliders, buoyancy gliders, SWIFT buoys and a sailbuoy.
The multi-disciplinary, multi-institution, multi-national research conducted on this winter cruise, as part of SCALE, will greatly enhance South Africa's contribution to the understanding of this globally important and understudied oceanic region. For more information on our key research objectives please visit our website (www.scale.org.za) or follow us on twitter (@SCALExperiment) for regular updates and images from the scientists on board the vessel. This initiative is supported by DEA, DST, NRF and CSIR-SOCCO.
The post Southern Ocean Seasonal Experiment appeared first on iAfrica.com.


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100 Plataformas de Cupones, Descuentos y Compras Grupales
Paperback, 233 Pages
Price: $16.98
Prints in 3-5 business days
Desarrolla tu estrategia de marketing online ofreciendo cupones y grandes descuentos en más de 100 plataformas de compras grupales. Aquí tienes tu oportunidad de conocer su dimensión real y su importancia estratégica para tu empresa.
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Product Details
- 9781291249699
- Copyright
- Juan Manuel Fernández Bacas (Standard Copyright License)
- Edition
- Primera Edición
- Publisher
- Juan Manuel Fernández Baca
- Published
- December 15, 2012
- Language
- Spanish
- Pages
- 233
- Binding
- Perfect-bound Paperback
- Interior Ink
- Black & white
- Weight
- 0.9 lbs.
- Dimensions (inches)
- 5.83 wide x 8.26 tall
- Product ID
- 20579612
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Size D batteries are usually the source of power behind large kids toys or heavy duty torches. They can also be used in various radios and musical keyboards as an alternate to plugging into the mains. These batteries are often difficult to find in your local shop, especially at these prices.
We stock size D batteries only from high quality manufacturers such as GP Batteries or Panasonic and offer specialist lithium batteries from Saft which you won't find on the high street.
You will find we are competitively priced on all of our D batteries both blister packed and bulk options, but if you need a quote for large quantities, please find the product you wish to enquire about and use the "Request a Quote" link below its pricing.
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As of our top-grade pick Video Console/Extender is an exquisite start, it renders the majority extenders features with an impressive price only at Extendersguide.biz.


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It's not often that sports and RPGs gets the fantasy narrative treatment. But then again, there aren't many games like Pyre, and fewer developers like Supergiant.
I'm about three quarters through my playthrough of Supergiant's odd mix of aura-driven fantasy sports, and while the moment to moment gameplay is a touch more simplistic and less frantic than I was hoping, I've enjoyed every moment of Supergiant's latest adventure so far. As Gita found, there are still all the hallmarks you would come to expect: lovely little animations, charming storytelling, a detailed soundtrack and charming characters throughout.
Pyre: The Kotaku Review
Pyre is a sports game about starting a revolution. In a worse game, that would be a joke, but Pyre takes both its sports and its politics seriously and combines them in an unexpectedly compelling way.
That said, I can understand why Pyre won't be the most beloved game Supergiant has ever made. The core gameplay, a 3v3 mode of passing orbs from one character to another for some grand celestial dunks, isn't as quite as palatable as the turn-based combat of Transistor or the familiar action in Bastion. But most people have enjoyed it nonetheless, and as a fan of slightly unpopular sports, I'm looking forward to the finish.
How have you found Pyre?


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Do the right thing? Venezuelan defense minister responds to Bolton's calls to defect
Bolton's most recent "do the right thing" tweet implores Padrino and the army to "protect the Constitutional order from Maduro's usurpation of democracy" – though US special envoy Elliott Abrams admitted earlier this month that Juan Guaido's self-appointed presidency was technically in violation of Venezuela's constitution, until he unilaterally opted to change it.
"Mr. Bolton, I tell you that we are doing the right thing," Padrino responded in a televised address. "Doing the right thing is doing what's written in the constitution... Doing the right thing is respecting the will of the people."
Bolton has been tweeting at Padrino all week – and those are just the messages he's sent publicly. The Venezuelan military's refusal to throw its support behind Juan Guaido, the opposition leader turned self-appointed US-backed "interim president," is clearly a thorn in his side.
"We call on the Venezuelan military to uphold its constitutional duty to protect the citizens of Venezuela," Bolton tweeted in a statement in which he also "cautioned" "actors external to the Western Hemisphere" – i.e. Russia, mostly – to cease their "provocative actions" lest the US be forced to "defend and protect" its interests.Also on rt.com Venezuela regime-change champion John Bolton says US won't tolerate foreign meddling in the country
Padrino does not seem interested in Bolton's love letters, however, denouncing Guaido as "a self-proclaimed outlaw."
"We, the soldiers of the Motherland, do not accept the president imposed in the shadow of dark interests," he said.
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Please check the announcement in the DOA News section. Broken links to TinyPic were noticed over the weekend, and today we confirmed they've been shutting down over the last month. Since a lot of people appear to have pictures there, be aware that Monday, 9/16/19 appears to be the last day to download your photos.Dismiss Notice
Bjd shops/dealers
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Office of the United States Trade Representative.
Notice of product exclusions.
Effective August 23, 2018, the U.S. Trade Representative imposed additional duties on goods of China with an annual trade value of approximately $16 billion as part of the action in the Section 301 investigation of China's acts, policies, and practices related to technology transfer, intellectual property, and innovation. The U.S. Trade Representative's determination included a decision to establish a product exclusion process. The U.S. Trade Representative initiated the exclusion process in September 2018, and stakeholders have submitted requests for the exclusion of specific products. In July 2019, the U.S. Trade Representative granted exclusion requests. This notice announces the U.S. Trade Representative's determination to grant certain exclusion requests, as specified in the Annex to this notice. The U.S. Trade Representative will continue to issue decisions on pending requests on a periodic basis.
The product exclusions announced in this notice will apply as of the August 23, 2018 effective date of the $16 billion action, and will extend for one year after the publication of this notice. U.S. Customs and Border Protection will issue instructions on entry guidance and implementation.
For general questions about this notice, contact Assistant General Counsels Philip Butler or Megan Grimball, or Director of Industrial Goods Justin Hoffmann at (202) 395-5725. For specific questions on customs classification or implementation of the product exclusions identified in the Annex to this notice, contact firstname.lastname@example.com. Read More →


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BRM 451 Week 5 Merchandise Presentation Analysis Updated
This Tutorial contains following Attachments:No Attachments
BRM 451 Week 5 Merchandise Presentation Analysis NEW
Choose one of the following assignment options.
Option 1
Resources: Internet, local retailers, University Library
Select a category of retailer identified on the Retail Categories Worksheet from Week Two.
Identify two retailers in the same industry that have two different target markets such as Home Depot and Ace Hardware, Kohl's and Neiman Marcus, Wal-Mart and Macy's. Visit both retailers.
Write a 750-word paper critiquing merchandise presentation techniques at each store. Discuss issues regard lighting, signage, comfort zones, and background music. Examine how the stores are configured. Also, analyze each store's entrances, exits, adjacencies, displays, and traffic flow.
Format your paper consistent with APA guidelines.
Option 2
Resources: Internet, University Library
Visit the websites of two online retailers.
Write a 750-word paper critiquing merchandise presentation techniques used at the two sites. Discuss issues regarding color and contrast, presentation, attention grabbers, and download time. Examine how the sites are designed. Also, analyze each site's ease of navigation, sequences, security, technical and customer support, and ease of check out.
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By Amanda Morrall
See previous Five Fold Friday's here.
1) Savings and spending
Following my sheepish mea culpa this week, I was besieged with helpful advice and recipes to reign in the budget. Like dieting, I tend to think radical money makeovers are doomed. Unless you enjoy suffering, deprivation is just a set up for failure.
Given my Buddhist leanings, I am a firm believer in the Middle Path. As such, I am undertaking moderate adjustments and taking stock of the simple savings that I have already achieved. One of them is rubbish reduction. I'm a strange bird, things like rubbish weigh on my conscience. Admittedly not a significant savings coup but since taking my free composting course I've cut my waste by more than half. Surely that counts for something?
Also, to my great delight, the summer-time attention lavished upon the citrus in the backyard has paid off in spades. I am overrun with mandarin and limes, another healthy windfall for my budget. Environmental reciprocity is an underrated economic exchange.
2) Credit and Debt
Banks are very good at nickel and diming customers in addition to creaming them with high interest where possible. While most people fixate on the headline interest rate, there's a slew of other fees to watch for. I consulted with our interest rate watcher Suhaimi, who summarised for me, his top tips to minimise the gouging.
Here they are:
1) Set your objective
Don't blindly get a card without first setting your credit card objective. Why do you need it and what are you spending patterns. Honesty is the best approach.
2) Card selection
Understand credit cards for all their features: interest rates, fees, schedule, minimum payments, due date, other fees balance transfer rewards.
Choose the right card to suit your personal spending pattern and don't be suckered in by points. To get a $20 reward, some cards require $2,600 in spending. If it's blender you're after, you're probably better off just spending the $100 outright rather than caving into consumerism.
3) Repayment
Pay all, (not the minimum amount) and pay on time. Enough said.
4) Spending
Spend within your allocated credit limit to avoid over limits fee. Some providers charge more than others, so read the fine-print in full to avoid getting stung with more money than necessary.
Cash advances. They're a killer. They usually trigger a higher interest rate than normal particularly if you're overseas.
5) Cards management - seven step programme.
Shop around for the best card; rates and fees
Choose on-line statements and avoid the $5 paper fee that most cards charge.
Stick to one card. Joint credit card accounts rarely have a happy ending.
Avoid the teller. There's a five-fold mark up for human interfacing.
Keep your card physically secured and park it in the freezer when you go to the fair.
Don't spend for tomorrow. Any debt you accrue should be based on your current income and your ability to service it.
3) Real Estate
All trees are sacred?
Is there anything more contentious between neighbours than trespasses involving trees with no regard for borders and unsanctioned hedge trimming? I think not.
I've seen it sour many a good relationship over the years. I still remember the shock and horror of watching a neighbour, who for no apparent reason other than to wield control over a noisy power tool, mowed down a spectacularly healthy tree on his front yard. That was in clear-cutting British Columbia, where wanna-be lumberjacks without a license are a menace to society.
I was relieved to find that kind of thing doesn't take place in New Zealand. Instead, you have officious bureaucrats accusing well meaning citizens of tree blasphemy for innocuous trimming of dead trees.
For better or worse, tree rules are being pruned. Under little known changes to the Resource Management Act, blanket protection for trees will be stripped bare in 2012. (There are a few legal challenges still in front of the courts from opposing parties).
From January 1, local authorities will no longer be allowed to have any type of tree protection rule for trees on private land. In effect, this means that most trees can be removed without consent. My understanding is there are three exceptions: for trees that are scheduled; those located on parks or reserves; and those subject to conditions of a previous consents.
To read more on this issue in anticipation of power-saw happy neighbhours : read this position paper by the Tree Council.
4) Death & Tax
Financial serendipity is sublime. The discovery of five bucks in a hidden pocket or jacket pulled from the back of the closet still brings me to a place of childlike wonder.
So you can imagine the feeling of being reconnected with an overlooked account in the order of $300,000. It's not a sum I'd forget about easily but apparently financial amnesia is an epidemic in New Zealand.
As I wrote yesterday, Inland Revenue is in possession of a whopping NZ$55 million in unclaimed money. Not to be confused with overlooked tax refunds, this is money derived from forgotten savings funds, wages and insurance policies etc.
For those who missed it, here's the link to IRD's A-Z list of unclaimed money with names and amounts.
On that front, there's millions more in unclaimed tax refunds begging for collection. Tax agents have done a roaring business tapping these funds and clipping their ticket along the way. With IRD's on-line services, it's not a tough job and can be done in minutes.
The danger of the DIY approach is inadvertently flagging IRD to any potential money owing. Quick tax return sharks use it as a selling point for their services. They claim that any bad news they discover on your behalf, can be more easily swept under the carpet. IRD officials beg to differ.
5) Books and Film
As one of the misguided lefties that author Joseph Heath aims to set straight in Filthy Lucre, this book is a lesson in humility as much as it is an education in economics.
As Heath writes in his introduction: "Pretty much everything that the average person thinks he or she knows about the economy is wrong.''
After reading the book, I don't doubt that is true. But as a journalist, not an economist, I'm in no position to critique the merits of his arguments. I'm no expert. Then again neither is Heath.
The author is a reformed left-winger with a lingering contempt but respect for capitalism. He teaches philosophy at the University of Toronto, in Canada. In economics he is a self-taught.
In his book —aimed at a general audience — Heath ambitiously sets out to debunk six economic fallacies of the right and six economic fallacies of the left.
Judge for yourself which side wins out but in my humblest of opinions it's the middle path where our economic salvation lies.
See Heath in this video below:
We welcome your help to improve our coverage of this issue. Any examples or experiences to relate? Any links to other news, data or research to shed more light on this? Any insight or views on what might happen next or what should happen next? Any errors to correct?
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5 Comments
Comment FilterHighlight new comments in the last hr(s).
Our apols for the techno glitch that stopped comments showing. Fixed now.
Here's a comment from Walter Kunz.
I hate capitalism – who doesn't ?
Yes, reading articles provided with link below and one has really think hard about capitalism. It is time the western world is thinking of different models and start implementing forms to work urgently along ethic/ moral and environmental sustainable guidelines.
Getting your tax refund back.
AFTER THEY HAVE TAKEN IT FIRST????!!!!.....of course.
A simple view from the other land of milked and hone-y.
Whiskey & Gunpowder — The Daily Missive of Laissez Faire Books
Gary Gibson, Baltimore, Maryland…
Why exactly do we find taxes…so taxing?
Forgive the horrible pun, patient reader, but we just couldn't help ourselves today. Neither could we stop ourselves from pressing the attack on taxes this week. Our blood is up!
We're tired of the masochistic manner in which people take their tax medicine. Having their money taken from them hurts, they admit, but they believe they're doing it for some ill-defined "greater good".
So to round out the week, let's take a look at one more missive to disabuse that notion again.
Fred Buzzeo explains why taxes are a force for destruction of all that is good. Read on below…
Whiskey & Gunpowder
By Fred Buzzeo
April 29, 2011
Oyster Bay, New York, U.S.A.
To Tax Is to Destroy.
The Power to Tax Destroys Freedom.
In order to have an effect, laws must be enforced. The enforcement mechanism is the bureaucracy. Without a bureaucratic system of enforcers, laws would be just a collection of restrictive words on fancy parchment. This is why President Jackson said of another case during the Marshall court, "John Marshall has made his decision. Now let him enforce it." This was a reference to the obvious fact that the chief justice did not have an army of bureaucratic enforcers to put his words into action.
For the sake of clarity, I do not advocate the abolition of all laws. However, we must define legitimate laws as those that prohibit an act that is in itself bad. An example of this type of law is one that prohibits the infliction of bodily injury on another. Those laws that make an otherwise innocent activity unlawful are simply political in nature. They are what the philosopher Thrasymachus, best known as a character in Plato's Republic, labeled "the advantage of the stronger."
In order to enforce the "advantage of the stronger," an increasingly larger bureaucracy is needed. And in order to fund this bureaucratic watchdog, money is needed. Without money, there would be no bureaucracy and there would be no army of legislative staff members writing truckloads of laws aimed at limiting your "inalienable rights."
The money to feed this bureaucratic Goliath comes from your taxes! Since the inception of the income tax, government intrusion into our lives has grown by leaps and bounds. According to the Tax Policy Center, 57 percent of federal tax revenue comes from individual and corporate income taxes. An additional 36 percent is appropriated through the payroll tax. Since 1950, the individual income tax has been the largest growth area of federal-government tax revenue.
According to the US Census Bureau, there are 2.8 million civilian employees working for the federal government and paid for with your taxes. The state governments employ an additional 5.3 million civilians. These employees are dispersed throughout countless agencies, bureaus, and divisions.
I was once briefly associated with a local politician who constantly reminded his constituents that he had authored over 120 pieces of legislation. He thought that this was a big accomplishment on his part and a reason he should be elected to higher office. However, I was confused as to whether he was running for an elective office in New York or for a seat on the Soviet Politburo!
In any event, without the confiscatory tax system, all of these laws and regulations that limit your freedom would not be possible. We would see a return to the days when the American government was small, the free-enterprise system was strong, and the visions of the Founding Fathers were still present in the body politic.
The Power to Tax Destroys Prosperity
Quite simply, if one is taxed, he has less money either to invest or to spend. The higher the tax rate, the more money is taken from those individuals who can invest and create economic opportunity for themselves and for others.
An accumulation of capital is essential to increase the productive capacity of a nation. Therefore, it is important to understand the true meaning of savings. When money is deposited in a bank, it is usually lent out to someone else. The money is then used either to invest in business expansion or to purchase the products produced by business — cars, televisions, boats, etc. An accumulation of wealth is essential for a prosperous economy.
Cuba does not allow an accumulation of wealth. It was recently reported in the press that the Cuban leadership will now allow limited monetary payment to employees. However, the Communist administration will still not allow anyone (except themselves, of course) to accumulate wealth. Is there any doubt as to why there is no capital formation and viable industry on that island?
In the United States, a supposedly capitalist nation, wealth is taxed at all levels. For example, if you sell a piece of real estate for more money than you bought it for, the gain from the transaction is taxed. This is so even though the gain was due to your foresight and entrepreneurship. The taxman is a silent partner with a participation in your profits, even though those profits were the result of your business sense. The same scenario exists if your gains were the result of profits made in stocks, bonds, or commodities.
If you are a wealthy person, beware. The estate tax will destroy what you have created through your hard work and diligence. Unless you have spent a small fortune on financial planners, accountants, and tax attorneys, the fruits of your labor may be enjoyed by the government instead of by your heirs. Even when family members are active participants in making a business successful, there is no guarantee that they will not be supplanted by the government through a confiscatory system of taxation.
One of the main reasons that many small business establishments have difficulties is because of the regulations and tax burdens imposed upon them. A small business is subject not only to income taxes but also to a host of others taxes and requirements. These include the payroll tax, workmen's compensation insurance, and a list of fines aimed at fattening the government coffers. If small business fails, the economy will stumble because small business is a major engine of employment growth.
Parenthetically, we should not fall prey to the class warfare that is so often employed by the taxman. Discussing politics, an electrician who once worked for me stated, "I have no problems with rich people. I need to make a living. I never benefited by being hired by a guy who didn't have the money to pay me." This is an important point that should be kept in mind by all those looking for a job.
The Power to Tax Destroys Market Efficiency
Beginning with Joseph Stalin, Soviet leaders engaged in centralized, nationwide efforts toward rapid economic growth. At first, these so called five-year plans emphasized heavy industry. By 1970, the focus had shifted to the production of consumer goods.
In fact, Paul Samuelson was so impressed with Soviet industrial production that he believed it would surpass that of the United States, even in light of undeniable facts to the contrary published in his own textbooks. He referred to unregulated capitalism as "a fragile flower bound to commit self-suicide." Though I must admit that I am perplexed as to how a flower commits suicide, I am even more perplexed as to how deregulation causes "capitalist suicide."
Nevertheless, the Soviet Union collapsed under the weight of its centralized economy. The reason for this is that planned economies are inefficient. Central planners cannot properly gauge the sentiments of consumers.
The tax system in the United States produces the same inefficiencies as did the planned economy of the former Soviet Union. When a tax is imposed, money is taken away from individuals and spent by government. And, as the Soviet example has proven, government is an inefficient producer of goods. The reason for this is simple: central planners do not have the mechanism to determine what consumers want.
When government planners produce, they do so based upon political directives. Obamacare is a perfect example of this. Although highly unpopular with the American public, healthcare reform has been pushed through Congress simply to achieve the administration's political goal. Unless repealed, it will result in the misallocation of resources and higher healthcare costs for all.
Central planning does not work because the central force behind economic decision-making is the individual. Rothbard explains, "Only individuals have ends and can act to attain them. There are no such things as ends of or actions by 'groups,' 'collectives' or 'states,' which do not take place as actions by various specific individuals."
Therefore only an individual can determine what products should be produced. The actions of producers must focus on the needs and desires of the individual expressing his utility in the marketplace. The producer needs to get it right because his capital is at risk.
Money given to a bureaucrat to spend is inefficient because there is no at-risk capital. If a mistake is made, the project is simply terminated or more money is thrown at it until it achieves a politically favorable outcome. However, as in the Soviet case, no economy can sustain this structure for very long.
Free-market capitalism has given the consumer more goods and services than any other economic system ever employed. It is the only system in which the consumer is king. If an entrepreneur does not gauge the desires of consumers correctly, he will not be in business for long. This is not the case with the central planner. From this stems the inefficiency of taxation.
There are many other ways in which the power to tax destroys. Nevertheless, the point has been made. Taxes are an unproductive waste of resources.
The current administration is wrestling with a trillion-dollar-plus budget deficit. This deficit was created by a massive government intervention into the economy — one supposedly aimed at creating jobs.
But what has this intervention accomplished? Not much. Unemployment is still high, commodity prices are skyrocketing, and credit is still tight. Obviously, the Keynesian-induced tinkering with fiscal and monetary policy has once again fallen short of success.
Does the administration acknowledge this undisputable fact? Obviously not, since it is attempting to push through Congress another massive tax hike! Ironically, the president is trying to justify his tax increase by stating that the deficit is a "major job killer." He seems to have gotten the connection between budget deficits and slow job growth. Is it possible that he picked up a copy of Economics in One Lesson and actually read it?
Fred Buzzeo
My addition on the trees..........
Councils taxed you heavily to stop you selectively pruning the trees that were yours in the first place.
Around here we had mayhem due to those trees in the past weeks gale.
"Credit growth stalled last month across the board, according to Reserve Bank figures out yesterday". harold
Jez Bolly...you'll have to slash again...better still instead of charging banks peanuts for overnight cash...pay them to take it....come on Bolly....fair go mate....we all know it's bullshit so just do it...call it your 'Toilet Paper Policy'.......and if that don't work...drop money from a chopper like your uncle Ben said....
I though that this is what you have wanted NZers to do, repay debt.
There are the links


text:
Tesla deliveries fall—especially for high-end Model S and X
Tesla delivered 63,000 vehicles to customers in the first quarter of 2019, the company announced on Wednesday evening. That's a dramatic 31 percent decline from the previous quarter, when Tesla delivered 90,700 vehicles.
Analysts have been expecting that Tesla would announce a quarter-to-quarter decline in deliveries, but this drop exceeded Wall Street's expectations. Wall Street analysts were expecting Tesla to deliver around 75,000 cars.
Analysts expected Tesla to have a down quarter because the US tax credit for buying a Tesla was scheduled to fall from $7,500 to $3,750 on January 1. So Americans thinking about buying a Tesla late last year made sure take delivery by December 31, causing US demand to dry up in January.
Read 15 remaining paragraphs | Comments
Source: Ars Technica


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In stock
TOMLINSON, John (b. c. 1845). A pair of framed 1/4 plate ambrotypes of a young man, one with a note on the back "Taken at 16 years of age" and the other "Taken at 19 years of age". On the latter is a further detailed ink inscription "John Tomlinson Died Feby 1st at 1.30 AM. 1868. He fell asleep in Jesus Aged 23 years. RWT ". The backing paper of one includes an auction notice of Baxter of Whitby, dated 1868. The ambrotype glass plate of Tomlinson aged 16 has two cracks (see photo). In both there is a lot of dust under the glass, but the photographic images themselves are very crisp and sharp. The ornate frames (each c. 8 x 9 inches) are worn in places, and one has a small chip.
The initials RWT might possibly be those of Robert William Tomlinson, born in Whitby in 1841. Local research in the Whitby area may help identify the family of this young man.


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What do you think is the single largest reason for the recent oil spill off the coast of Florida?
In the immortal words of David Bowie, the macondo well (and perhaps others) are all "Under pressure."
It's bloody greed ... all these corporations just care about increasing profits not safety or the environment. We've been brainwashed to only care about profit. The following lines are from a Native poster in my room:
Only after the last tree has been cut down,
Only after the last river has been poisoned,
Only after the last fish has been caught,
Only then, will you find that money cannot be eaten.
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"Aerial Wedding Photography"
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Phil qualified as a CAA Drone Pilot in 2017 and due to high demand we've been busy working on a number of projects.
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12 Apr - 14 Apr 2018 / Umweltforum, Pufendorfstraße 11, Berlin, DE
TYPO Labs aims to connect font engineers and practitioners with OS developers, CSS experts and academics. The purpose is to provide a platform for the exchange of best practices, advance the state of the art and encourage the integration of new type technologies into future digital communications. Created for developers by developers, the third TYPO Labs will cover the full stack of font developments, including OpenType Variation, CJK deployment and type challenges in the field of VR and AR.VISIT WEBSITE


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Unresolved Problems with GPs' and Dentists' Premises
2nd May 2019
Ensuring the viability of doctors' and dentists' practices is an obvious social good, since it protects the health and welfare of people across Scotland. GPs and dentists like everyone want a good livelihood, not one impaired by financial instability or unexpected expenses.
A constant concern of GPs and dentists is the cost of repairing and maintaining surgery premises. Not only do such costs put pressure on practices' finances but the uncertainty can be a huge disincentive to the recruitment of new practitioners, particularly in rural or deprived parts of the country.
For GPs a raft of new measures is beginning to address this. Over the last few weeks letters from the Scottish Government awarding new NHS sustainability loans have begun arriving at GP surgeries. These loans represent a new stream of funding for GPs, with further phased loan rounds to follow.
In total, the Scottish Government has allocated £30 million by 2021 to making such loans available. This implements in part on undertakings given in the Code of NHS General Practice Premises of November 2017. The Code, negotiated as part of the latest GMS Contract, is designed to reduce the risks to practices owning or leasing premises. Measures include local health boards taking head responsibility for leases of new GP practices as well as assisting with terminal lease repair costs.
Some GPs had expressed scepticism when the Code was announced whether these measures would ever come to fruition. Similar commitments in the past have failed through lack of funding and sometimes GPs not knowing what they can claim.
Moreover, other problems remain, particularly in relation to practices, both GP and dental, within health centres or new primary care multi-disciplinary buildings.
First, practices when taking up occupation of premises in publicly owned or financed health centres often have little clarity on occupancy costs, because there is no standardised national occupancy agreement in place. Too often, practices move in to new premises and only after many months learn the true occupancy costs. Resulting disagreements with health boards on such costs are not uncommon.
In the case of GPs, the Code contains little of assistance to practices struggling to meet ongoing running costs for shared parts of health centre buildings. Yet often repair and maintenance costs for shared parts exceed those for the practice premises themselves: in older health centres leaky roofs and broken boilers typically fall within the shared parts; in newer centres of the type most recently built under 3PD leases and the Scottish Future Trust scheme, a high standard of maintenance and generously sized reception and other public areas can mean far higher service charge costs than practitioners would have expected before moving into the building.
A further difficulty is the opaqueness of language used in existing government premises directives. As a consequence, NHS premises manager have an unenviable task of discerning these rules.
Dentists, for example, under their NHS financing rules are entitled to reimbursement of rent for premises which is to be 'adjusted' to take account of liability for common areas. There is no guidance, though, of the criteria to be applied by health boards in making these adjustments.
For GPs the premises directions are more detailed but some of the service charge reliefs appear ignored in practice. Rules that give a GP practice a reduced service charge for the first three years of occupation of a new health centre never seem, in the writer's experience, to have been implemented nor are GPs made aware of it.
There are two clear ways in which these issues could be addressed.
First, there ought to be a modern style of standard agreement between GPs/dentists and health boards to regulate occupancy of health centres. Existing government circulars date back to 1980 and are outmoded. South of the border nationally agreed style agreements exist and something similar could be replicated here.
The second is to offer GPs and NHS-committed dentists greater protection from running costs of shared parts of buildings. Practices taking up occupation of health centres should be given in advance a detailed breakdown of costs. These costs should be restricted and, as a minimum, boards should both fund and inform GPs of their rights to transitional service charge relief.
The information contained in this newsletter is for general guidance only and represents our understanding of relevant law and practice as at May 2019. Wright, Johnston & Mackenzie LLP cannot be held responsible for any action taken or not taken in reliance upon the contents. Specific advice should be taken on any individual matter. Transmissions to or from our email system and calls to or from our offices may be monitored and/or recorded for regulatory purposes. Authorised and regulated by the Financial Conduct Authority. Registered office: 302 St Vincent Street, Glasgow, G2 5RZ. A limited liability partnership registered in Scotland, number SO 300336.


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Anonymous 1, 14 Oct 2016This is a baaaaaaaaaaaaad phone. Starts ringing on its own (any time) so I switch sound off at... moreSame thing happens with me. Its really annoyning . It hangs a lot and start ringing on itself.
karan, 22 Oct 2016J1 is 4g or notJ1 have many models with diffrent config.... if your phone modele ended with f ...you can realize 4g for example my phone modle j1 ace j111f .... if your phone modle ended with H that identify your phone is 3g....like j110h
AnonD-600428, 21 Oct 2016Mine Dual Sim Device Is It 4G Or Not ???? J1 is 4g or not
hi my dear friends :
these are some sample photo that i taked yesterday.... i hope useful for all...
The ram is so so small. I've install only a couple apps. When I open the app, always been kicked out. so sad. Why Samsung invent this phone..
You guys haven't included one model. The SM-J110H.
Its specifications are a bit different.
some one tell me what colour blue is the phone is it light blue or dark blue
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The ring tone alerted some times after the call arrives.Anyone please help what is the reason?
Is Samsung J1 2016 have water proof? Pleaseeee reply guys! I need youu!!!!!!!!!!!!!!!
Lady user, 25 Sep 2016With very little use of my phone, my battery goes flat overnight. I only want to use my Mobile... moreyou need to go to play store, then settings, then general and choose do not auto-update apps.
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Today's guest is Alexandra Daum, host of the vegetarian food blog Occasionally Eggs where she shares delicious and beautiful recipes.
Join in our chat below:
Subscribe: Apple Podcasts, iHeart, RSS
In today's episode, Alexandra and I discuss:
what inspired her to follow a vegetarian (mostly vegan) diet and share her recipes via her blog
her background in food anthropology and respect for indigenous food traditions
fun facts about Alexandra
…and much more
Check out the resources Alexandra recommends:
Connect with Alexandra: www.occasionallyeggs.com
Comment and share:
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Thank you for listening.


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Great excerpt from the Wall Street Journal - June 10, 2019
Retirement columnist Glenn Ruffenach also answers a question about how much risk to take with investments in retirement
What are my chances of needing long-term care? Can you point me toward some good statistics?
Several resources can help. The numbers vary, but the message is clear: Many of us will need some type of long-term care as we age.
Ask a Question
To start, the Administration for Community Living, a part of the Department of Health and Human Services, has published a good primer on long-term care, which includes figures about the likelihood of needing care and how much care the average American might require. (Go to longtermcare.acl.gov and click on: The Basics.)
According to the administration, about seven in 10 people (69%) turning age 65 today will need, at some point, some type of long-term-care services—either at home, in their community or in a facility. Typically, women need care longer (3.7 years, on average) than men (2.2 years). And while about one-third of people who are 65 may never need long-term care, 20% will need it longer than five years.
Source: Department of Health and Human Services
A more detailed look at long-term care, published in 2015 by Health and Human Services and revised in 2016, looks at the risk of people developing a disability and needing help with "activities of daily living," such as bathing, dressing and eating. The study estimates that about half (52%) of Americans turning 65 today will "develop a disability serious enough" to require long-term services and support—and about one in six (17%) will end up spending at least $100,000 out-of-pocket for such services. (Go to aspe.hhs.gov and search for: Long-Term Services and Supports for Older Americans.)
(Note: AARP, the Washington-based advocacy group, has summarized the HHS findings in a more-readable form. Go to aarp.org and search for: Long-Term Support and Services.)