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Latest added/updated Android Apps downloads
Books & Reference
BB - God Loves You 1.22by Oceanhouse Media, Inc.
- License: CommercialPrice: $3.99Downloads: 708
- God loves the cubs because He made them. "The Berenstain Bears: God Loves You!" is now available as an omBook for your Android device.
Anayasada Neler Olmali 0.12by F
- License: FreePrice: FreeDownloads: 734
- Anayasa Tart?smalar?na Facebook uzerinden kat?lmak icin yap?lm?s bir uygulamad?r.
Are you a Digital Director 1by Harvey Nash
- License: FreePrice: FreeDownloads: 766
- Could you deliver a Digital Strategy for one of the largest networks in the UK.
Speed Text Message- No Typing 1.7by SageMilk
- License: CommercialPrice: $1.49Downloads: 898
- Two taps (no typing) sends a text message. Text faster and safer.
All the memes 1.12by Sint_vaffel
- License: Price: FreeDownloads: 662
- "All the memes" collected in one app for you to enjoy.
O Pioneers 0.1by Citrak Inc.
- License: Price: $4.99Downloads: 722
- The history of every country begins in the heart of a man or a woman," writes Willa Cather in O Pioneers! The country is America; ...
GoFind! A GPS way to meet 1.8by Ideal Project Group, LLC
- License: Price: FreeDownloads: 794
- This app is great for outdoor concerts and festivals.
Where is my school bus 1.0by MyBusStop.com
- License: Price: FreeDownloads: 866
- The MBS Notification System links parents with the school bus system.
Baby touch 1.0by Shigeo Matsu
- License: Price: $1.80Downloads: 644
- App enthrall the baby appeared to touch and various shapes.
Articulation Flash Cards /r 1.0by Speech-Tastic
- License: Price: $2.99Downloads: 774
- This app is for both phones and tablets! Articulation Flash Cards for /r/ is the Speech-Tastic app to help children practice /r/ speech words.
LiveWallpaper 273 liveroid 1.0.0by gizumo
- License: CommercialPrice: $1.92Downloads: 832
- Stylish, cute, lovely android app with live wallpaper cool watch.
Duke FCU i-Mobile 2.2.10by DukeFCU
- License: Price: FreeDownloads: 712
- Duke Credit Union Mobile Banking allows you to check balances, view transaction history, transfer funds, ...
Popular Community Bank Mobile 22.214.171.1245by Banco Popular North America
- License: Price: FreeDownloads: 880
- Popular Community Bank Mobile This app is available only to Banco Popular NORTH AMERICA customers.
Health & Fitness
Banish Insomnia + FREE Ebook 1.0by Sanders Hypnosis Center
- License: Price: $1.99Downloads: 788
- Banish Insomnia + Our Ebook, Hypnosis 101, for FREE! Start sleeping peacefully! This is the program you have been looking for to help you banish your ...
iJumper - Smart Workout 1.1by serproc
- License: Price: FreeDownloads: 982
- This is a simple application which helps you to collect and store statistics about your jumping the rope workouts.
Libraries & Demo
tagin betaby Inclusive Design Research Cent
- License: Price: FreeDownloads: 904
- Try our open-source indoor positioning engine! tagin! allows you to collaboratively tag indoor and outdoor locations showcasing our open-source indoor ...
Demo Only 1.1.2by Old Version
- License: Price: FreeDownloads: 648
- Please uninstall and replace with our new free and hugely upgraded version in the marketplace.
Are You Rich 1.0by trueda
- License: Price: FreeDownloads: 654
- just for fun ! ... and one more thing !!
Aahh! Be Free 1.1.0by GenerosityRoad
- License: Price: FreeDownloads: 662
- Aahh! Be Free! Helps People Take Charge of Their Habits! By downloading you agree to the Terms of Use at http://apps.
Media & Video
Ai Futre 0.3by Godatec
- License: FreePrice: FreeDownloads: 622
- Finalmente, as melhores frases de Paulo Futre no teu Android, onde quer que estejas.
Are You Serious 1.0by Podbean LLC
- License: CommercialPrice: $1.99Downloads: 678
- This app will allow you to never miss an episode of Are You Serious.
3D Dental A-Z: Anatomy & more 1.1by Vital Acts Inc.
- License: CommercialPrice: $2.99Downloads: 738
- Know all about: Teeth, Anatomy, Instruments, Care, Implants & lot more! 3D Dental A-Z: Anatomy & ...
Are you fear of heights 1.0by sky11078002
- License: FreePrice: FreeDownloads: 742
- are you fear of heights? Why do we feel dizzy ? It is an extreme or irrational fear of heights.
Music & Audio
Ba dum tsssh 0.3.1by Sami Viitanen
- License: FreePrice: FreeDownloads: 660
- Your personal comedy club drummer. Application with one big red button that makes "Ba dum tsssh!" sound when tapped.
Bark Dog Bark 1.2by Blue Crystal Web Design
- License: CommercialPrice: $0.99Downloads: 668
- Are you looking for dog barking, yelping, and growling sounds.
News & Magazines
2012 Alerts 1.1.6by 2012 Alerts
- License: FreePrice: FreeDownloads: 556
- Is the world coming to an end? Our app keeps you up to date on the latest natural and man made disasters, ...
Nigerian News 1.0.0by Serete Itebete
- License: FreePrice: FreeDownloads: 740
- Celebrating the 50th Anniversary of the Nigeria's Independence, Africaiko is taking Nigerian News independent on your Mobile device with Nigerian News For Android which supports Reuters, ...
Abang Kat Mana 1.0by Nur Hazri
- License: FreePrice: FreeDownloads: 670
- Aplikasi ini boleh digunakan untuk mencari orang tersayang.
American Eagle Sticker 1.4by ID-Tech
- License: CommercialPrice: $1.45Downloads: 734
- America Eagle Sticker , cool Decoration for your device.
Audio Learn 1.0by Tyler Houlihan
- License: CommercialPrice: $1.00Downloads: 646
- Quit writing out flashcards when you can record in the question and answer! Ever wanted to study without having to write everything into flashcards or ...
Assess 1.1by Philippe Laurent
- License: CommercialPrice: $0.99Downloads: 606
- Your questionnaires, tests, quiz, evaluation forms, easily and in any place on your Android device, that's possible now ! With Assess! You can carry ...
AutoZone 220.127.116.11by AutoZone
- License: FreePrice: FreeDownloads: 622
- The AutoZone App offers DIY repair information and convenient shopping tools.
aStore 1.0by Yecel
- License: Price: FreeDownloads: 798
- aStore Shopper saving, get all you need at one place, get ready !! Shopper Deals, save money and time, ...
Are you Spicy or Lame 1.1by Flohm - Shops
- License: Price: FreeDownloads: 726
- Figure it out! And give your thoughts about people from your neighborhood.
Alert your Friends! NO ADS 1.1by Lorenzo Del Soldato
- License: Price: $0.99Downloads: 766
- No Advertisement Version!!! If you have a problem or would you like a particular implementation, fell free to send me an email.
All About the NFL 1.4by Mclovin Dev
- License: Price: FreeDownloads: 694
- Learn about the NFL, and test your knowledge with our 15 question quiz! Further your knowledge about the National Football League with this app! Learn more about the foundation, ...
AUSTRALIA VUVUZELA and ANTHEM 2.2by Super Fun Deluxe
- License: Price: $0.99Downloads: 790
- AUSTRALIA VUVUZELA and NATIONAL ANTHEM is the only app you need for the big game AUSTRALIA VUVUZELA and ANTHEM is the only app you need for the big game! ...
BASIC Interpreter 1.0.1by APLI
- License: FreePrice: FreeDownloads: 700
- Run BASIC programmes on your ANDROID device The Android Free BASIC Interpreter converts your android device into a full programmable computer.
Battery Status by SMS 1.2.0by Mobile Monkeys
- License: CommercialPrice: $1.35Downloads: 732
- Battery Status by SMS gives you information regarding the battery status remotely.
Araba Nerde 0.1by Pseudozach
- License: Price: FreeDownloads: 646
- Araban?z? nereye parketti?inizi art?k unutabilirsiniz.
LA Traffic App 1.11by WTB
- License: Price: FreeDownloads: 736
- LA Traffic App Shows colors to indicate traffic chaos.
Travel & Local
AJ Where Are We Now 2.0by AuntJane
- License: Price: FreeDownloads: 710
- A slightly modified version of Where's My Car
Cam Tag, Speed Camera Warner 1.0by Foxy
- License: Price: $3.20Downloads: 794
- Cam Tag is a speed camera warning system using FoxyTag, the worldwide most complete speed camera database.
Surf Search Spot 2.0by Pymes Solutions
- License: Price: FreeDownloads: 794
- ??Surf Search Spot ha vuelto sin PUBLICIDAD!! La única aplicación en la play store que te calcula un índice de calidad de buen ba?o.
Weather Plus Pro 1.0by MMMOOO
- License: Price: $6.94Downloads: 818
- The Best Weather App on Android Weather Plus could help you to get the accurate weather forecast, and push the weather info to your homescreen as well. ...
Editor Picks Downloads


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IMPORTANT ANNOUNCEMENT: As of July 1, 2017, Alumnae Library will no longer support The Book Memorial Program.
As an alternative, Memorial Donors will be encouraged to contribute to an Alumnae Library Memorial Fund, which can be used to purchase materials that better support the contemporary student. Donors will still be able to commemorate their loved ones—in a series of handsome Memorial Donor Books, which will be kept in perpetuity in The College Archives.
American Academic Libraries have for some time now been transforming their spaces to better support the needs of the contemporary student. Changes in technology have created a generation of students who barely ever pick up a print book or magazine/journal, as they have been raised on electronic (e-book) technology that allows them to read any material, any time. In addition, changes in the classroom environment have affected how students learn. While we still see the sole student who wishes to study on his/her own, we now just as often see students who study in collaborative groups. Group assignments have become the new norm.
To better support these new ways of research and learning, Alumnae Library has had to transform itself through several phases of renovation. Our goal is also to become a better partner in supporting student success. To that end, we have given up space for both group study and collaborative work areas, as well as an entire floor to offices directly involved in academic student support, which has created a Student Success Center. The final result will be a library environment that emphasizes students' needs through both individual and group learning experiences.
Given this, we have had to re-evaluate our Book Memorial Program, as it is now at odds with the need to devote less library space to print collections. Simply stated, we cannot continue to accept long-term print books into our collection and simultaneously support student success initiatives. In other words, there is only so much space left for a print collection, and we will outgrow that space quickly if we continue to add Memorial Books, which are kept as long-term materials.
Since we do want to continue to accept your support of Alumnae Library, we will be replacing the Book Memorial Program with an annual Library Memorial Fund. Gifts to the Memorial Fund will result in handsome plates that will be placed inside of an annual Donor Recognition Book, which will be housed in The College Archives for security purposes, but made available electronically for all to see at the end of each fiscal year. Each annual Recognition Book will be kept in Alumnae Library's College Archives, so that a list of donations for each fiscal year will be kept in perpetuity. Each annual Recognition Book will also contain a description of, and photos of, the library material which was purchased with the donations raised that year. Materials that will better support contemporary student learning will include, but not be limited to, computer software; electronic article, audio, and image databases; e-book packages; and educational technology tools (such as smart boards and white boards).
We at the library apologize for this change in one of our long-time practices, but as the college library we must serve the needs of today's and tomorrow's students in their pursuit of their education. If you have any questions regarding the new Library Memorial Fund, please contact the Director of Alumnae Library. We thank you for your understanding, and we hope that you will continue to support the library through the Library Memorial Fund.
Please accompany your Book Memorial with the appropriate Book Memorial Request form, which can be found online. The online form can be printed and filled out, or can be filled out and submitted online. If you have questions about the form, contact the Library Director.
The current Alumnae Library Book Memorial Program is designed so that patrons who wish to support our collection can help by leave a lasting memorial for a loved-one. Memorials will be honored for 15 years after they have been given to the college, at which point the library will make a determination on whether to continue retention of the memorial book, based on its appropriateness to the curriculum at that time and its physical condition.
If you are interested in donating a Memorial Book and have questions about the process, contact the library.
The Memorial Book will be purchased as soon as possible and a commemorative book plate will be placed inside the front cover. A memorial card will be sent to a person of your choice (who you MUST identify on the donation form—and include the person's address as we do not have access to that information otherwise), and a second card will be sent to you. The Memorial Book is then placed into the Alumnae collection for at least 15 years.

subset: commoncrawl


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Vintage Cap badge for the Cite de Waterloo Quebec, Canada
|Canada: $10.00
|International: $10.00
|Canada/US: $12.00
|International: $30.00
|If insurance is declined the buyer takes all responsibility for damage or loss in shipping.
You are viewing a vintage cap badge for the Cite de Waterloo,Quebec, Canada.This older version badge still has its two originalspinner type attachments in place, though they are somewhat "pinched". Has the number 16 below a beaver over maple leaf crest (1950's). Guaranteed 100% genuine. We can accept any currency but prefer US$ which is what our items are listed in. I will give exchange rate based on my current bank foreign rates. We accept PAYPAL our address is (firstname.lastname@example.com ) and we prefer VISA ot Mastercard over the phone. Afternoons (Mountian time) 403-262-2397. We ship worldwide usually by post. Insurance available on most items at extra cost. We will combine items for the multiple buyer to save on shipping costs. Please keep in mind that on all our products we accept prepaid authorized returns for full product credit, if you are not satisfied.


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Our Church Ministries
Church Ministry List/Small Groups
Adventist Community Services
Pleasant Hill Adventist Community Services (PH-ACS) is involved in our community in a variety of ways. Following are some of the services PH-ACS provides, sponsors, and promotes.
Food Pantry Services: Pantry services are available for Concord, Pacheco, Pleasant Hill and Concord residents on Tuesdays between 11:00 a.m. - 4:00 p.m. and Thursdays between 10:00 a.m. - 12:00 p.m., and from 1:00p.m. - 2:00 pm.
Education and Training: PH-ACS promotes training in domestic, financial, health and employment skills for purposes of self reliance, independent and healthy living. Examples of such programs include Tutoring and Mentoring, Financial Peace University, Eight Weeks to Wellness, CHIP (Coronary Health Improvement Project), and other similar types of programs.
Disaster Preparation and Response: The Pleasant Hill Seventh-day Adventist Church promotes disaster preparation and response training through the Pleasant Hill CERT Organization. CERT is a national and international program focused on Community Emergency Response Team training and provides survival training for natural and man made disasters.
Social Services: PH-ACS is recruiting for a social services coordinator, intake and eligibility associate, and receptionist volunteers to assist clients in identifying and obtaining basic services needed for independent living; to identify and make referrals to a variety of public and community agencies that provide food, shelter, clothing, medical, educational and other services; and act as client advocates in obtaining services. Ministry descriptions are linked to the following volunteer positions.


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Information is a key factor in making smart investment decisions regarding renewable energy. But accessing this information can be challenging. To help sort through the vast sea of data on renewable energy, a free new web tool is now available that gives website owners the ability to easily and accurately tag their online renewables-related content — in five different languages.
IRENA and the Renewable Energy and Energy Efficiency Partnership (REEEP) have collaborated to develop the 'Renewables Tagger', a sub-component of the existing Climate Tagger — overhauling the tool's thesaurus content related to renewable energy concepts and terminologies, and adding a new technical feature allowing users to pre-select only the new tagging section of the thesaurus.
A tool for purpose
"There is a real need for improving the way we find reliable and up-to-date renewable energy information. Technical solutions, such as search engine optimization and tagging software, have become essential in today's world to push renewable energy knowledge to the next level," says Henning Wuester, Director of IRENA's Knowledge, Policy and Finance Centre. "IRENA's knowledge platform, REsource, is the renewable energy gateway for experts around the world. Integrating the Renewables Tagger into REsource will present a huge benefit for users," Wuester says.
The expert-vetted thesaurus is the "backbone" of the tagging tool and its most innovative feature. The Renewables Tagger is the only tagging tool that is tailored to the needs of users in the renewable energy sector, and is therefore much more precise in choosing relevant keywords compared to generic tagging tools. "The newly added renewable energy thesaurus, enhances the tool with over 2,700 sector specific definitions, synonyms and links," explains Wuester.
"The biggest challenge of developing a tool such as the Renewables Tagger is that it cannot be done by just one organisation," says Florian Bauer, Open Knowledge Director of REEEP. His team works with a group of 200 organisations to enhance the provision of high quality climate knowledge to different stakeholders, such as REN21, UNEP and the World Bank.
Further development
IRENA and REEEP aim to update and improve the thesaurus continuously and welcome experts and partners to join the initiative to further develop the tagger. The content pool's functionality, which allows automatic linking to related content across a website, is one feature that is targeted for further development.
The flexibility of this open data and free tool, makes it useful for all kinds of different users. It has existing plugins for WordPress, Drupal and other commonly used content management systems, allowing it to be easily adopted by knowledge providers. For more advanced users, the tagger has customisation options that are useful for bigger projects and organisations.
To learn more, download, or try a demo of the tagger, visit the Climate Tagger website.


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About this guide
The Thirty-First AAAI Conference on Artificial Intelligence (AAAI-17) will be held February 4-9, 2017 at the Hilton San Francisco Union Square, San Francisco, California, USA. The purpose of this conference is to promote research in artificial intelligence (AI) and scientific exchange among AI researchers, practitioners, scientists, and engineers in affiliated disciplines. AAAI-17 will have a diverse technical track, student abstracts, poster sessions, invited speakers, tutorials, workshops, and exhibit/competition programs, all selected according to the highest reviewing standards. AAAI-17 welcomes submissions on mainstream AI topics as well as novel crosscutting work in related areas.See all


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Have you ever watched a commercial and thought "yeah, look at those big guys with the big budgets to get their name out there...must be nice" Those "big guys" were telling their story about products or service....reaching out to everyone that watches that commercial that moment. Social media is like 24 hours of TV at little cost. Your job is to tell your company's story and be an expert in your field! We know you ROCK at what you do - but how are you going to tell your story? Believe the Hype. Social Media is the new cornerstone of every brand. Engage - Talk & Listen to your customers directly in real time and get ready to learn something.
Services Include: Powerful and Optimized Social Media, Strategy, Management, Engagement, Promotions, Marketing, Email, Blog Management & Content Developmen


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Melbourne Zoo Twilights
Ben Folds *SOLD OUT SHOW* Tickets
5:30pm, Fri 16 February, 2018
Melbourne Zoo, VIC
This event has passed and sales are now closed
Event Details
Supported by Lucy Rose
Please note: Member tickets can only be used by Zoos Victoria Members. A valid Zoos Victoria membership card must be presented at the gate for each member ticket.
Hamper tickets do not include entry to the show. A separate valid event ticket must be held for entry.
The legendary Ben Folds will bring his greatest hits to life in a Melbourne-exclusive performance at Zoo Twilights this February with support from the UK's Lucy Rose.
Widely regarded as one of the major music influencers of our generation, Ben Folds is also one of its most compelling live performers, delivering high-energy rock performances using the intimacy of just a piano.
For the first half of his Zoo Twilights show, Ben Folds will curate a playlist armed with a songbook spanning his entire career including hits like 'Brick' and 'Rockin' The Suburbs'. The reins will be handed to the audience for a Paper Aeroplane Request set for the second half - write your song requests onto a piece of paper, fold it into a paper plane, and launch it onto the stage on cue. Folds will then randomly select and perform the songs requested. Easy as 1, 2, 3.
Support on the night comes from UK indie-folk singer and guitarist Lucy Rose. A star on the rise, her music has been featured in Girls, The Vampire Diaries and Skins with Vogue calling her "one of indie music' breakout stars" and CLASH Music noting her "unquestionable talent and vulnerability in equal measure."


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From Trust to Loyalty – Five Ways to Deepen Client Relationships
Advisor Perspectives welcomes guest contributions. The views presented here do not necessarily represent those of Advisor Perspectives.
Every day, individuals are presented with a seemingly endless stream of news and often conflicting analysis. Investors aren't sure how to read the mixed signals. Skepticism is healthy, especially in a digital world where nothing is as it seems: Social media has enabled false pretenses and the Internet makes sources of information an ever more important consideration.
Investors can find themselves struggling to distinguish between expert advice and propaganda.
Natixis Global Asset Management recently surveyed1 individual investors to gain insights into financial advisors' relationships with their clients – and uncover lessons for advisors hoping to strengthen those relationships. The key takeaway: Clients' trust in their advisors runs deep; however, advisors can earn even higher levels of trust. Advisors who can fully deliver on client expectations will go beyond trust to lasting loyalty.
The good news is that investors have a robust baseline of confidence in their advisors. Nearly nine in 10 investors surveyed (88%) say they trust their investment professional. Yet advisors can do more. Just one-third of investors say they are completely happy with what their advisor is currently providing them.
To build lasting trust, it needs to be earned. Our survey findings suggest five steps advisors could take to strengthen client relationships.
Up your game to meet client expectations. Some advisors focus on asset allocation, believing their job is to deliver a diversified investment portfolio – period. But that's just a start. The survey found that investors want much more professional help. They also want their advisors to assist them in tax planning (41%), evaluating risk (40%), estate planning (36%), long-term care (24%) and managing debt (19%). Advisors should expand their toolkit, acquiring the expertise to meet client expectations and becoming more like the full-service family offices used by high-net worth individuals.
Don't forget about the soft skills. Even as they build new quantitative skills and capabilities, advisors need to understand that investors also want them to talk about other concerns. For instance, significant numbers of investors say they want their advisors to offer investments that are better connected with their personal values (30%) and want help engaging their families in discussions about financial planning (25%). Most of all, they want their advisors simply to listen more (40%). Automated advice has a place in financial services, but so does the human touch, and advisors who can connect with their clients beyond digital spreadsheets will be more successful.


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History of the Universe eBook. 398 pages, 300 illustrations only $2.99
APHORISM (from the Gr. ἀφορίζειν, to define), literally a distinction or a definition, a term used to describe a principle expressed tersely in a few telling words or any general truth conveyed in a short and pithy sentence, in such a way that when once heard it is unlikely to pass from the memory. The name was first used in the Aphorisms of Hippocrates, a long series of propositions concerning the symptoms and diagnosis of disease and the art of healing and medicine. The term came to be applied later to other sententious statements of physical science, and later still to statements of all kinds of principles. Care must be taken not to confound aphorisms with axioms. Aphorisms came into being as the result of experience, whereas axioms are self-evident truths, requiring no proof, and appertain to pure reason. Aphorisms have been especially used in dealing with subjects to which no methodical or scientific treatment was applied till late, such as art, agriculture, medicine, jurisprudence and politics. The Aphorisms of Hippocrates form far the most celebrated as well as the earliest collection of the kind, and it may be interesting to quote a few examples. Old men support abstinence well: people of a ripe age less well: young folk badly, and children less well than all the rest, particularly those of them who are very lively. Those who are very fat by nature are more exposed to die suddenly than those who are thin. Those who eject foaming blood, eject it from the lung. When two illnesses arrive at the same time, the stronger silences the weaker. The first aphorism, perhaps the best known of all, which serves as a kind of introduction to the book, runs as follows:Life is short, art is long, opportunity fugitive, experimenting dangerous, reasoning difficult: it is necessary not only to do oneself what is right, but also to be seconded by the patient, by those who attend him, by external circumstances. Another famous collection of aphorisms is that of the school of Salerno in Latin verse, in which Joannes de Meditano, one of the most celebrated doctors of the school of medicine of Salerno, has summed up the precepts of this school. The book was dedicated to a king of England. It is a disputed point as to which king, some authorities dating the publication as at 1066, others assigning a later date. The dedication gives the following excellent advice:
Another collection of aphorisms, also medical and also in Latin, is that of the Dutchman Hermann Boerhaave, published at Leiden in the year 1709; it gives a terse summary of the medical knowledge prevailing at the time, and is of great interest to the student of the history of medicine.
"A well-rounded treatment of a vast body of facts" only $2.99


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AC Milan called-up players list to face Ajax
The following are the 21 players who have been called up by Mr. Allegri to face Ajax on Wednesday's decisive Champions League match.
GOALKEEPERS: Abbiati, Coppola, Andrenacci.
DEFENDERS: Bonera, Constant, De Sciglio, Mexes, Zaccardo, Zapata, Emanuelson.
MIDFIELDERS: Cristante, De Jong, Kakà, Montolivo, Muntari, Nocerino, Poli.
FORWARDS: Balotelli, El Shaarawy, Matri, Pazzini.


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Here is an excerpt from a very good article written by Manulife about the reality of your biggest asset: Canadians' ability to earn income is usually their biggest asset, more valuable even than their home or other investments, and that asset is at greater risk than many realize, through death, disability and illness, says Steven […]
Your Biggest Asset? You!
Research Now Before the RRSP Rush
It's the new year and with that the fast approaching "RRSP season". Most of us procrastinate on this and wait to the 11th hour to make a decision as to whether to put money into an RRSP and if so how much and into what investment. Usually our money goes to our favourite bank or […]
Why the Wealthiest Establish Thier Own Bank
The following video explains the three different ways people make major purchases -the deptor, the saver and the wealth creator. The wealth creator uses his own bank using the cash value in his whole life insurance policy to borrow from while the underlying asset simultaneously continues to grow.
Guaranteed Income For Life May Soon Disappear
Guaranteed Monthly Withdrawal Benefit (GMWBs) investment products may soon be the thing of the past. These are insured investment products that allow you to participate in the market but should the markets drop or be unfavourable, provide guaranteed annual bonuses and a guaranteed annual income for life at time of retirement. (Click here to find […]
Plan Your Estate Before It's Too Late
Estate Planning is all too often put off until it's too late to take any considerable action. Many estate planning solutions are life insurance based. As with all insurance, the older a person gets, the more costly it becomes and the greater the chance that the insurance will not even be able to be offered […]
When You Need Life Insurance the Most (humourous)
A Financial Bunker For Scary Times
When looking at investments, people all too often overlook permanent life insurance as a viable investment option. Not only has it provided consistent decent returns over the years but it also provides excellent tax sheltering if used correctly. The article below by John E. Giorouard explains how this Great Depression proof vehicle can provide the […]
Guaranteed Income for Life
For those in or approaching retirement, guaranteeing your income and knowing how long you will receive it for is of utmost importance. It is especially important in times like these where market volatility could mean the difference between retiring next year or in 10 years. A handful of the insurance companies, with Manulife being the […]
Securing Your Children's Financial Security…Forever
As parents we want the best for our children. We want the best education, the best health, the best future. Setting your children up for wealth and security should be the top priority for all parents One insurance company has a fantastic product for parents looking to provide wealth and protection for their children. […]
Guaranteed Returns For the Rest of Your Life – Regardless of the Market
With the recent turn in the stock market, many investors are getting that weary sinking feeling again especially those getting close to retirement. It is difficult to predict the markets. Wouldn't it be nice to have your money invested in a product where there is guaranteed growth of your contributions, even if markets go […]
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Is Growth Hormone Therapy 'Height Only' Treatment Regimen for Children?
Medical sciences reveal that Growth Hormone Deficiency (GHD) is a condition of medical ailment which is caused when the body does not produce sufficient amount of growth hormone (GH). This GH is released by proper functioning of the pituitary gland. Adults exhibit Growth Hormone Deficiency where usually there is a past history of pituitary tumors that may have been treated with surgery or radiation. This affects the hormone levels in the body resulting in emotional disruptions, such as fatigue, lack of motivation, high cholesterol level etc.
Growth hormone is vital for normal growth in children. Majority of us associate Growth Hormone Deficiency (GHD) in children with faltering weight or extremely short stature as compared to their age and weight. This can be caused either due to congenital (a condition that is present at birth) or acquired (a condition that occurs after birth) conditions. Parents should muster knowledge about what growth hormone does, what could be the cause for this deficiency in their child, how does it affects the body, how to look for symptoms to identify this deficiency, what is the proper Treatment Regimen for Children and so on. Timely diagnosis and proper treatment helps the child in proper development of body fat, muscle, and bones. It also promotes good health and wellness of the child including mental growth and development. This, in turn, influences the emotional development.
What benefits will the child draw with HGH Growth Hormone Therapy?
By knowing the benefits of HGH Growth Hormone Therapy for your child can help you decide in making the right decision.
- It stimulates muscle growth and protein synthesis.
- The medication boosts the HGH levels because of the essential amino acids it contains.
- It enhances the growth of bone and organs in children and adolescents.
- It regulates levels of glucose or sugar in the blood and thus, it also influences metabolism.
- The average weight and height increases considerably to meet age related growth standards.
- It increases the stamina of the child and eliminates the complaints of fatigue.
Once you have learnt the significance of the role HGH plays in the growth and development, you would be convinced to use it as a therapy for children who weren't growing at a normal rate – physically and mentally. The Growth Hormone Therapy works towards increasing the amount of HGH in those children. Growth Hormone Therapy is seemingly a recommendation for curing short stature and other problems in children and adolescents, but it should be done with careful monitoring of hormone levels in the blood. The outcome of this therapy is that these children are able to do the things which normal adults do; and they otherwise would never have been able to achieve and perform.
So, now if you had the reservations of not trusting HGH Growth Hormone Therapy for your children or adolescents thinking that it is 'Height Only' Treatment Regimen for Children, know the facts and get focused on the overall development of your child including brain development instead of just the physical looks.


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Norco Area Chamber of Commerce. - Event Information
Event Name:
NACC Networkers
Event Type(s):
Chamber Event
Peer-to-peer business referral group. Everyone is welcome.
Event Date:
Event Time:
11:30 AM - 01:00 PM Pacific
Black Horse Tavern & Grill
1825 Hamner Ave.
Norco, CA 92860
click here for Google Maps
click here for Mapquest
Contact Person:
NACC Staff
(phone: 951-737-6222)
Who will you meet at lunch?
Attend the Norco Area Chamber's monthly Peer-to-Peer Business Referral Group Meeting and grow your business network, grow your business.
NACC Networkers meets the first Wednesday of each month at NACC-member restaurants. There is no fee to attend, but come hungry and order a delicious lunch from our host.
click on the date(s) to add to your calendar:
Email Reminder:
click here to setup an email reminder for this event


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As the buyer base for Build America Bonds continues to expand, Fitch Ratings has created a website so investors unfamiliar with the municipal market can visit a "one-stop shop" for all BAB-related research.
The complementary site, launched over the weekend at www.fitchratings.com/BABs, already has about 500 pieces of research, including credit reports, specific sector studies, and information comparing U.S. states with sovereign debt.
"We're providing comprehensive information on a sector-by-sector basis, in addition to over-arching commentaries in Build America Bonds specifically," said Dan Champeau, Fitch group head of business development for U.S. public finance.
Since BABs were created by the American Recovery and Reinvestment Act in February 2009, the taxable asset has grown to become a $116.6 billion market, according to Bloomberg LP.
The key incentive for issuers is that the federal government pays 35% of the interest cost, allowing municipalities to issue taxable debt with yields that are attractive to a much broader class of investors. The traditional municipal market was and remains more limited to domestic investors and wealthy individual investors aiming to earn interest income that on most muni debt is exempt from state and federal income taxes.
"Fitch and the other rating agencies do a very good job of providing detailed analysis on municipal bonds, but we may not have been doing a very good job speaking from 30,000 feet up — speaking to the buyers that haven't been in this market before," said Eric Friedland, group credit officer for U.S. public finance at Fitch. "There's sort of this assumption that they know as much as the other buyers know, and that's not the case."
The Fitch analysts said negative headlines in the media have been a factor in spurring the agency to provide detailed information in a more accessible way.
"A lot of these nontraditional buyers are somewhat scared by the reports they've heard — that there is systematic risk in the muni market, or that there's going to be this cavalcade of defaults," Friedland said.
Of course, there has been some credit deterioration in the market owing to the financial crisis and global recession. Fitch data indicates that from January to March, public finance downgrades outnumbered upgrades for the fifth consecutive quarter.
Actual defaults remain minimal, however. According to Municipal Market Advisors, about $22.9 billion of the $2.8 trillion universe of municipal debt has experienced a credit impairment event since July 1. And in most of those cases, payments to bondholders were not interrupted.
"There are a lot of unique aspects to these sectors that the nontraditional buyer may not be familiar with," Friedland said. "We want to point out that general obligation bonds have broad property tax support, and that most municipal utility providers are not regulated, so they can unilaterally set rates."
Among the new buyers in the muni market are overseas investors, who never had an incentive to be involved with the lower relative yields of tax-exempt debt, as they have no to U.S. income tax obligations.
Patrick Brett, a director in municipal securities at Citi, just got back from Tokyo where he was marketing BABs. He said foreign buyers could benefit from more detailed information about the market as many news articles have spooked them into thinking that municipal credits are all about to collapse.
"It's almost like there's a template for these articles," he said. "They just dredge up the same examples — like Orange County and Harrisburg, and Jefferson County. And they sort of link those four of five things together and just extrapolate that to the entire market. It's tantamount to saying that since a few small corporates defaulted, therefore you should avoid the entire corporate bond market."
Brett added: "The more people get up to speed, the more they realize that these are actually much stronger sovereigns than what they are used to."
Fitch analysts said some of the most common questions among investors that are new to the market are: How are munis different from corporates? How is California different from Greece? And how is a state different from a sovereign government?
"Obviously, before BABs, they weren't particularly interested in the municipal asset class," Champeau said. "Here, with this new page, we can offer more detailed information to them."
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Customer Reviews
All reviews are from people who have redeemed deals with this merchant.
November 30, 2011
November 21, 2011
November 21, 2011
What You'll Get
Greek dining cultivates a festive atmosphere, from setting cheese on fire to using leftover pita discs for pickup games of ultimate frisbee. Play with your food with today's Groupon: for $15, you get $30 worth of Greek fare and drinks at Grub Med Greek Ristorante on Fairway Drive Northwest.
Grub Med elevates Greek dining with upscale fare and sumptuous decor of exposed brick and crossbeams, dark wood, and scarlet tablecloths. The lunch and dinner menus start with traditional Greek appetizers such as dolmades, vine leaves stuffed with rice and served with tzatziki for dipping ($10.95 for dinner, $8 for lunch) and striphia, oysters and spinach baked in feta ($13.95 for dinner, $12 for lunch) and served skewered on Poseidon's trident. Entrees include kleftico, the house specialty of slow-roasted lamb ($23.95 for dinner, $13 for lunch), and moschari stifado, beef ragout baked with vegetables in a ceramic pot ($22.95 for dinner, $12 for lunch). Either dish can be made into a split order for $5 to share with another human or lifelike wax sculpture. Briam coaxes fresh vegetables and seasoned tomato sauce to embrace under passionate oven heat, then seals the union with a topping of feta ($19.95 for dinner, $10 for lunch). Groups of two or more with hearty dinner appetites can opt for the traditional meze plate of hummus, melitzano, pita, greek salad, spanakopita, dolmades, keftedes, tzatziki, roast lamb, and chicken ($30/person), also available in a vegetarian version ($27/person) using only the finest free-range plants.
The Fine Print
Promotional value expires Nov 19, 2011. Amount paid never expires. Limit 1 per person. Limit 1 per table. Limit 1 per visit. Dine-in and carryout only. Must purchase 1 food item. Must use in 1 visit. Merchant is solely responsible to purchasers for the care and quality of the advertised goods and services.
About Grub Med Greek Ristorante
Nestled within a serene residential neighbourhood, Grub Med Greek Ristorante fills its dimly lit dining room with the aromas of rich sauces, succulent seafood, and roast lamb. Unlike a raucous gathering in a taverna or a date in a home-stereo store, the atmosphere evokes a romantic tranquility, where walls bear a regal air with deep purple hues, stone masonry, and framed images of ancient Greek artwork. Guests sidle up to intimate, scarlet-clad tables, sharing a traditional starter of hummus and tzatziki with morsels of toasty pita, or dining on forkfuls of marinated souvlaki and baked salmon.


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SCORING PUNCH: CCHS Lady Eagle soccer victorious, 7-2
Wednesday, September 13, 2017
North Webster, Ind.
Columbia City's Mary Cotter uses her head during the Lady Eagles 7-2 win over Wawasee Tuesday evening. Cotter had an assist for the Eagles as Columbia City out-scored the host Warrriors 5-1 in the second half.


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Hotels in Valcourt, Quebec
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Valcourt overviewMake some memories at Spa Eastman and Waterloo Golf Club. Valcourt is an inviting destination that has something for everyone.
Where to stay in ValcourtWhether you're planning to stay for a night or for the week, the area around Valcourt has accommodations to fit every need. Search for hotels in Valcourt with Hotels.com by checking our online map. Our maps display the areas and neighborhoods around all Valcourt hotels so you can see how close you are from landmarks and attractions, and then refine your search within the larger area. The best Valcourt hotel deals are here with our lowest price guarantee.
What to see around ValcourtHere are some favorite choices:
- • Spa Eastman
- • Waterloo Golf Club
- • Theatre La Marjolaine
- • Mont Orford National Park - Lake Stukely Visitors Center
- • Woolen Mill Ulverton
When to visit ValcourtIf you're still deciding when to visit, here are the seasonal norms to help you plan:
Seasonal temperature averages
- January-March: 43°F day, 6°F night
- April-June: 79°F day, 24°F night
- July-September: 80°F day, 42°F night
- October-December: 61°F day, 11°F night
- January-March: 0.35 inches
- April-June: 0.35 inches
- July-September: 0.43 inches
- October-December: 0.35 inches


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Creating an account is optional, you can purchase from this website without creating an account.
Essential Oils And Autism promotes Plant Therapy Essential Oils in their posts and online store, we believe Plant Therapy Essential Oils has good morals and values, and truly cares about their customers. We do receive a small commission for any sales of Plant Therapy Essential Oil products, but our confidence in their products and dedication to their customers is why we support them.
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text: Journey A day's journey in the East is from 16 to 20 miles ( Numbers 11:31 ). A Sabbath-day's journey is 2,000 paces or yards from the city walls ( Acts 1:12 ). According to Jewish tradition, it was the distance one might travel without violating the law of Exodus 16:29 . (See SABBATH .) These dictionary topics are fromM.G. Easton M.A., D.D., Illustrated Bible Dictionary, Third Edition,published by Thomas Nelson, 1897. Public Domain, copy freely.Bibliography InformationEaston, Matthew George. "Entry for Journey". "Easton's Bible Dictionary". .


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A dal is traditionally a lentil side, often the accompaniment for curry. Here, combined with roast chicken (or rotisserie chicken), it moves from the side of the plate to its center for a quick lunch or an easy weeknight dinner.
Cuisine: Asian, Indian
Lifestyle: Quick (under 30 minutes), Entertaining
Season: Spring, Summer, Fall, Winter, All Seasons
Type os dish: Main Dish, Main Dish, Dinner
Diets: Heart Healthy, Low Calorie, Low Cholesterol, Low Saturated Fat, Lower Sodium, High Fiber, High Potassium


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Assessments continue in GA
Rebuilding needs seen as critical and "massive" as faith-based responders evaluate what needs to be done.
BY ZACHARY HOFFMAN | October 5, 2009
"The rebuilds are going to be massive and recovery is going to last years," said Stan Hames from McEachern United Methodist Church. Georgia has a long road ahead for clean up and rebuilding after flash flooding last month rose into the 500-year flood plain.
Hames is coordinating local teams from McEachern United Methodist Church and collaborating with other faith-based disaster response teams.
"It's a lot easier with tornadoes because they come and tear a house apart," said Bob Tribble of Lutheran Disaster Response (LDR) and president of the Georgia Voluntary Organizations Active in Disaster (VOAD). "With floods you have to do preliminary assessments and rank varying degrees of damage."
Some compare the damage to that caused by Hurricane Ike in Texas where more than a year later hundreds of people are still in need.
For the 350 individuals in Chattooga County, help can not come soon enough. Chattooga is the poorest county in Georgia and has an unemployment rate greater than 26 percent, according to Ken McKinsey of Presbyterian Disaster Assistance (PDA).
An old man in Trion, GA, in Chattooga sitting on the side porch of his mother's said, "I've already gone through 50 or 60 years of stuff," as he thumbs family photos he hopes to salvage.
His mother is in the hospital and he hopes that she is not aware of the amount of damage that her house sustained when the flood ruined practically everything.
A warehouse that is being managed by Adventist Community Services has helped provide clean water and supplies to residents of Trion and the greater Chattooga area who are still under a boil alert more than a week after flooding.
Like most faith-based recovery organizations PDA is waiting damage assessments to be completed before bringing in teams from outside of Georgia. "If the number is big enough, if the need is large enough and it looks like some gaps won't be filled, that will determine what move we'll make," said Gene Krcelic of PDA.
Krcelic was a part of the team from PDA that were sent in to determine just how great of need will have to be filled once rebuilding begins. The need is huge.
"When you open the door to a home, the scene and the stench is reminiscent of so many missing homes you would open post-Hurricane Katrina," said Krcelic.
More than 20 inches of rain fell in areas across the state of Georgia in a 24-hour period causing creeks and lakes to rise to the second story of homes in some places. Thousands of homes were destroyed and hundreds of people have been displaced.
Most of the water had receded by the following Tuesday and residents began removing debris and water damaged items from their homes, but thousands of homes remain unlivable.
Some estimates indicate that long-term recovery could last two to three years.
Related Topics:
Churches respond to Father's Day flooding
UT city's water contaminated
Historic city flooded twice in 2 years
More links on Flooding
Find this article at:


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Hohman in LSJ: Road Tax Hike to Fund Medicaid Expansion
The gas and vehicle registration tax hikes lawmakers agreed to last fall could essentially be used to pay for the state's Medicaid expansion, Mackinac Center's James Hohman argues in an op-ed published by the Lansing State Journal today.
Because the tax hikes — projected to bring in more than $533 million in their first year — will not take effect until 2017, legislators dedicated $400 million in general fund money to roads. Once the increased tax revenue rolls in that $400 million general fund allocation will pay for Michigan's Medicaid expansion and increases in the Department of Health and Human Services and K-12 education budgets, according to the executive budget.
Stay Engaged
Hohman explains the problem with transferring one-time expenditures:
The $400 million the Legislature directed to transportation was marked as a one-time expenditure, and thus should be considered nontransferable. But unless the revenues used for that one-time expense dries up the following year – a dubious claim to make about a growing general fund – then labeling it as a "one-time" decision meant that the money would be available to use elsewhere next year.
Read the full op-ed in the Lansing State Journal.
Related Articles:
Half Of Able-Bodied Michigan Medicaid Expansion Enrollees Don't Work
Obamacare in Michigan: 32 Percent More Than Projected Take Medicaid Expansion
Rising Economy Increased Michigan Tax Revenue More Than Gas Tax Hike
We're No. 13: Fuel Price, Gas Tax Up In Michigan And Elsewhere
You're Paying $1.29 Billion More For This
Not Taxed Enough? How About Now? Is It Ever Enough for Special Interests?


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TRADESHIP ENTERPRISES. is a shipping
company specializing in the transportation of different type of cargoes. Our company is able to trade worldwide in a multitude
of trade routes carrying a wide range of cargoes covering a number of
industries. Tradeship Enterprises provide quality management services of
the highest standards to its principals. The company has established its reputation in the shipping
industry for operating and maintaining vessels to the highest standards of
performance, reliability and safety of the cargo.
TRADESHIP ENTERPRISES carry a wide variety of constructional materials adjacent to your contemporary requirements. Moreover, you could always rely on our proactive and skilled Sales Team when consulting about the first-rate needs that your company could take advantage of. Our goal is to always provide you with the Best Products, Services at the Best Time & Price.
TRADESHIP ENTERPRISES will hand to hand control and monitor risks and verify adherence to performance standards. Compliance with this policy, objectives and associated procedures is mandatory and binding upon the employees. Quality of work is the main responsibility of the company that gives our clients satisfaction.
Our commitment:
"To provide world class shipping services meeting the individual requirements of our Clients"


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Thank you so much for your interest in helping us create awesome software!
Please note that our Beta testers will get an opportunity to purchase our final product at rock bottom prices, in other words, we appreciate your help and you will be rewarded!
You will soon be getting an email with instructions on how to download and install our tool, it's 99% ready, all of the hard coding has been done and we are currently building a 'SEXY user interface' to make life easy for our users.
Thanks again!
~Much Love


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Please welcome ARL to Steroidal.com as an advertiser!
These guys products are top notch!
You can find information on ARL or purchase their products by going to their official site: http://www.arlrussia.ru/pricelist.html
Or by clicking their banner on the main site.
"Please check the laws of your country before you order any of their products. The onus is on the buyer, and the sponsor or Steroidal.com will not be responsible in any way if you break the laws of where you live."


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Volkswagen's line-up speak of qualities that people would want in a car; easy to drive, practical, and efficient, which they make available for everyone. And to further enhance the Volkswagen ownership experience, they're stepping a notch higher by giving new owners free Preventive Maintenance Service (PMS) for the first 2 years of ownership.
Called the "Volkswagen Worry-Free Ownership Program," this covers 1 year or 15,000 km and 2 years or 30,000 km, whichever comes first. Proud new VW owners will be provided a service voucher for each PMS schedule that must be presented to the Volkswagen dealership on their annual service check-up. This covers parts and labor as specified in the official Volkswagen Service Menu.
But do note that replacement of consumable parts such as brake pads, rotor disc, battery, wiper blades, tires, and aircon are not included.
The free 2 year preventive maintenance service aims to provide a great ownership experience backed by an already commendable vehicle lineup you've come to love from Volkswagen. If you give it some thought, one would quickly realize that the program also gives new owners a lot of savings from the cost of each PMS visit - something that needs to be considered aside from the SRP when shopping for a new car.
But you do have to hurry. This promo only applies to all new Volkswagens purchased from January 14 to March 31, 2015. The line-up includes the Polo Hatchback, Polo Sedan, Jetta, 21st century Beetle, Touran, Tiguan, Touareg, and Golf GTI.
Latest News
Toyota could have a smaller sports car in the works / News
That makes three performance oriented vehicles for the Japanese manufacturer.
This Volkswagen can be had with 40 colors. Yes, that's not a typo. / News
Volkswagen felt a little sick about having just five colors for the Golf R and decided to add 40 more.
The Beatles' coin-studded 'Penny Lane' Mini is up for sale / News
Paul McCartney-commissioned Minis for Penny Lane's promotion is now tagged and can be yours.


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They say meeting an experienced woman will give you the most sensual chat with women that you desire. Matured woman has a lot of experienced which makes them more knowledgeable and skillful. They can make the most astonishing performances that bring out the excitement. They know the dos and don'ts in giving the best pleasure on webcams.
NaughtyCoral is one of the matured women that you will meet online. She is beautiful and young at heart. She has a body similar to those of the eighteen girls. She is naughty and obedient too. She is a brave woman having her own definition of being a sexy woman. She believes that the perfect body is not only the basis of being sexy, but having a good attitude and appealing looks.
She is a matured brunette that proves that age does not matter. She can definitely compete with other young daily girls. She has the edge among the younger girls. One is being skillful in playing with different toys. Young girls may be innocent and she is a complete package for an extreme hardcore performance. She is also friendly and requires no limitation when it comes to pleasing the chatter.
She knows everything about Kama Sutra that she uses to bring out your fantasy into reality. You can reach the climax with her fascinating actions. You do not even need to tell her what to do because she is simply smart to know your needs. The feeling of satisfaction is far better having an experienced woman like her.


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"The Principles method is especially effective because it looks at the heart of the organization — the culture, the passions, the goals— in order to guide the evaluation. New Orleans is a city overflowing with heart, culture, passions, and goals... so what could be a more perfect pair than that!" Katherine Hillman of Flux
Here is a description of your company. Proin ex id consectetur lobortis. Aliquam, velit vel faucibus dapibus, augue justo ullamcorper turpis, nec convallis metus nunc vel turpis.


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Stone Wall Realistic BackdropProduct # BI00911
Product Includes
- Stone Wall Backdrop
Purchase Product
Product Measurements
Product Description
Remodeling your house was never easier! With this stone wall backdrop, they might! The decorative plastic sheet backdrop features a stone wall pattern, with printed bricks of various sizes, and 4 ft. by 30 ft., giving you enough backdrop to cover any wall. The realistic backdrop will make your home walls much scarier!
Recommended Accessories
- Spooky Pirate Cloth
- Creepy Spider Web with Spiders
- Stuffed Parrot Pirate Accessory
- Inflatable Treasure Chest Cooler
- Pirate Ghost Chain Link Rope Accessory
- 3x5 Large Pirate Flag
- Light Up Pirate Cabin Lantern
- Sold Out For 2018Skeleton Arm Decorative Lawn Stakes


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- Description
Wear your comfort in the form of knee tight Capri Leggings for an absolute relaxed and comfy workout.The Capri leggings or three-quarter pants are usually worn by women in warm weather conditions. The Champion Double Dry Absolute Workout Fitted Women's Knee Tights from Champion brand are designed for maximum sweat-free comfort and can be worn all day long.
- Capri Leggings made out of nylon-spandex fabric material.
- Totally flexible knee tights that keep you dry and cool.
- Smooth Double Dry cloth with Power Flex 4-way stretch ability.
- Elastic lined gusset and non-scratch flat sealed seams.
- Embroidered C logo at ankle.
- Additional Information
Additional Information
Brands Champion Size Chart


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2016 Dragonfly Classic
- Description
- View Full Specifications
17' Dragonfly Classic
- Year:
- 2016
- Length:
- 17'
- Engine/Fuel Type:
- Single / Gas/Petrol
- Located In:
- Port Aransas, TX
- Hull Material:
- Fiberglass
- 5386-2996933
- Call for Price
You must see this boat to appreciate the quality. Built by Mark Castlow, one of the founders of Maverick and Hewes, these boats are built to the highest standards with the hard core fisherman in mind. It is an absolute head turner and will make her new owner the envy of every shallow water fisherman that lays eyes on it. The bilges are finished out as nice as the exterior, and the teak trim and helm pod, along with the custom Palm Beach style controls and the khaki hull color really set this boat apart from anything you've ever seen.
Dragonfly 17' Classic Custom Poling Skiff with Yamaha 90HP 4 Stroke outboard motor. This boat is loaded with features including: hydraulic steering, jack-plate, Lenco trim tabs, livewell, sportfish center console w/ Palm Beach controls, LED cockpit lights, removable backrest and seat cushions, battery switch, two-tone paint, teak accents, trailer, and all stainless steel hardware.
Call Peter at 361-442-8645
Please contact Peter Fox at 361-442-8645
Additional Specs, Equipment and Information:
LOA: 16 ft 10 in
Beam: 6 ft 9 in
Maximum Draft: 0 ft 8 in
Dry Weight: 700 lbs
Total Power: 90 HP
Engine 1:
Engine Brand: Yamaha
Year Built: 2016
Engine Model: F90LA
Engine Type: Outboard 4S
Engine/Fuel Type: Gas/Petrol
Engine Hours: 2
Drive Type: Stern drive
Engine Power: 90 HP
Fuel Tanks: 1 Aluminum (24 Gallons)
Inside Equipment
Electric bilge pump
The Company offers the details of this vessel in good faith but cannot guarantee or warrant the accuracy of this information nor warrant the condition of the vessel. A buyer should instruct his agents, or his surveyors, to investigate such details as the buyer desires validated. This vessel is offered subject to prior sale, price change, or withdrawal without notice.
Other Boats from Fox Yacht Sales-Four Gulf Coast Locations
Port Aransas, TX, United States


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There are many reasons a pipe will not speak ranging from a pinhole in a body seam to a bowed upper lip. As a voicer I start by looking the pipe over very thoroughly. Look for garbage in the wind way. Look for damage along the body seam. Some pipes sag and deform the mouth and much damage can also be done by idiots who never learn to properly use cone tuning. If the upper lip is bowed outward from pipe sag a straight edge is used to push it back into position. Even the wind pressure should be checked with an accurate and recently calibrated gauge.
Never pull or push the upper lip unless the pipe has damage and is deformed from sag. The upper lip and lower lip should have a relative position determined by the voicer of the whole rank. If the upper lip is pulled out the 3rd and 5th harmonics are increased and the pipe can sound "wooly." It will speak again but your harmonic content will be altered from the timbre of the rest of the rank.
Assuming the upper lip is properly located over the wind way and that both are parallel with the wind way and not screwed up, the pipe will not speak unless the languid is in a correct position. Voicing tools such as languid depressors, languid rods, and languid raisers are used to position the languid so that the wind sheet is just touching the outside of the upper lip. I won't go into the voicing tricks used to find the wind sheet position but yanking the upper lip out to make contact with a wind sheet that is too far out is not the answer. It is pipe damage.
Many poorly designed chests are made so that the wind produces a concussion on the lower side of the languid and it lifts up to throw the wind sheet too far out. This is very true of high tin strings of small scale and thin languid flues. A very gentle lowering of the languid is all that is needed to return speech. VERY GENTLE means sometimes only a few thousandths of an inch. Knowing how to do it *evenly* all the way across the languid is something else you need to master.
Lastly, pipes are voiced "fast" and "slow" which to a voicer are the terms to denote where the wind sheet is. Fast is moving the sheet in too much with the unwanted consequence of making the pipe easy to over blow to a partial; and, slow means the wind sheet is too far out so that oscillation comes on slowly. This is why a voicer with a pipe on a voicing jack will tap the key to make the pipe repeat and listen to for the starting transients to be correct. Burbling, slowness, unwanted chiff, etc., are all symptoms telling a voicer where the languid is versus where it should be.
At one time most of my business was in pipe repairs and re-voicing ranks screwed over by amateur weekend jack knife voicers. After seeing many fine ranks ruined I sold my voicing table and now just melt screwed over pipes down for regulator weights. The moral of the story is that if you don't know what you are doing, don't do anything at all. The last straw for me was a three rank set of Ernest M. Skinner strings someone had decided on which to increase the cutup for playing on a higher pressure. BER - beyond economic repair......
Much of this was oversimplified because this is my busy season running around doing the tuning for the services... hope it helps somewhat...
Best of Season's Greetings to All...
Al Sefl


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Our home port is Astoria, Oregon on the Columbia River. Just to keep this blog active when I don't have anything in particular to post (and even when I do), I am going to post some of the pictures that I have been taking around Astoria since I got here in May.
As always, thanks so much for reading! :-)
~ Niccolea Miouo


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Clocks nationwide fell back Sunday to standard time. Plus, daylight will be a shrinking commodity until December, before gradually reasserting itself.
So, unless you can do your outdoor workout at lunchtime, you'll probably be spending a chunk of time exercising in darkness. For runners, joggers, bikers, hikers and walkers (with or without dogs), it's time to take stock of your workout gear.
In particular, the clothing and lighting devices you'll use to see and, more importantly, be seen if you're out and about at night.
Safety is the new standard-time mantra.
What do you need? Lights (for your helmet, bike and wrists or hands), reflective clothing (think: glow in the dark) and an awareness of the rules of the road.
That's because nobody wants a run-in with a car, which is more likely as nature's dimmer switch takes over. The Insurance Institute for Highway Safety reports that more than 122,000 runners, walkers and cyclists were hit by cars last year -- the majority during hours of darkness.
Some companies offer incentives for employees who commute by walking or cycling.
At Light & Motion Industries in Monterey, marketing director Jackie Petro says her company reimburses employees if they use an alternate form of transportation to work three days a week.
"They see it in their paychecks," she says.
With the days getting shorter, that means more folks leaving work -- probably around dusk -- on bikes or on foot.
"Obviously, this is reducing our carbon output and noise," Petro says. "And it's saving fuel costs and providing exercise for the commuter.
"But you absolutely need to have lights on your bike. As a cyclist, I need them to see where I'm going. I also want cars to see me."
And cyclists -- as well as walkers -- need to dress the part.
We checked out the reflective-clothing offerings at Fleet Feet in midtown Sacramento and found tops and plenty of accessories to keep you in everyone's sight.
Assistant manager Tom Griffen pointed out the Brooks Nightlife collection, which includes vests, long-sleeve shirts, jackets -- even armbands for men and women. All are in a fluorescent yellow trimmed in black.
"Nobody can miss you wearing any of these items," Griffen says, laughing. "You'll stand out like a sore thumb."
A runner himself, Griffen admits that he's had his share of near-misses. He demonstrates that even his running shoes have strips of reflective material.
"You have to think like you're working nighttime construction. The reflective clothing should be that bright, because drivers are looking ahead and not as often to the side," he says.
If you're a runner and you layer your workout attire, a reflective vest is a lightweight alternative that goes over everything.
The Brooks line is priced from $28 for reflective gloves up to $80 for a vest. Jackets are $75, shirts $44.
With proper care, Griffen says, most reflective clothing will outlast its owner.
"However, because it's synthetic, you want to be careful with how you care for it. We recommend something called Win detergent," Griffen says. "It won't damage the fibers, and it keeps the clothing from holding on to bacteria.
"Also, you want to hang-dry your reflective gear -- never put it in the dryer."
(Win is sold online at www.windetergent.com. One bottle can do up to 14 loads.)
In addition to reflective clothing, you can light the way with gadgets for your helmet and bike.
Night-Gear Inc., based in Stuart, Fla., specializes in illuminating products for "people who work or play in low-light environments."
It was started as an online business two years ago by Mark Wilson, who got caught sailing in bad weather and resorted to putting a flashlight in his pocket to make himself "glow."
"That enabled me to keep my hands free," he says.
A cyclist, too, Wilson uses his bike as a test platform for lights of all kinds.
He says that ideally, a bicycle should be equipped with a flashing white light on the front and a red taillight.
"Cyclists also can zip through intersections, so it's crucial to have a helmet-mounted light as well," Wilson says. "That way, you can turn your head to make eye contact with a driver."
Like reflective clothing, lights come in a range of prices. Simple headlamps start at $15, though some cyclists might spend as much as $500 for a set of lights.
Walkers need to stand out in the night, too. Reflective clothing is an option, and you certainly can carry a flashlight. There are reflective ankle bracelets and armbands.
If you're a dog walker, you want to keep one hand free, so consider clip-on lights in such colors as red, blue and green. Just attach one to a waistband, belt, sleeve or the back of a jacket or hat.
As for Fido, Night-Gear and other companies such as Glow Dog offer reflective dog collars, leashes, jackets and bandanas.


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Well our babies finalised their move yesterday. They left behind dust & a few odd rubbish things lying in their rooms - it looks very forlorn !!!
Mavis my wonderful maid is busy cleaning up two empty rooms & she is horrified they have gone - in her culture its not done.
So we do have plans, the granny flat where Steven lived is to be a new store place for all Alans exotic coloured leather stock & all our camping gear etc - yay some space.
Kylies room will be our spare room, all we have to do is paint it out, get a new double bed ( hers went with her!!) & a new table or dresser. The build in cupboard will house our extra linen, pillows etc making room for me to put craft & scrapping stash into the linen cupboard in our room.
Mark's room is still full of stuff that he will be moving up to Joburg after Christmas & that will be a craft room for me - really can't wait.
Awful but great !!!!!!


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For all of you with crippling social anxiety like myself – just kidding, I don't have crippling social anxiety, I just hate talking to people – here are a few conversation starters, sure to wow and impress your fellow party-goers / dinner companions.
Syrian Refugee Crisis:
Just because you listened to a feature on NPR, doesn't mean you're an expert on the topic. No one is. Even if you ready every single Humans of New York caption. Maybe your crazy great uncle who watches too much Homeland and thinks that every Middle Eastern foreigner screams terrorist flips the table on you when you say that hey its kinda cool that the state of Washington opens its arms to refugees and weed-loving transplants within the border.
Level of potential divisiveness – 8 (AKA hope you're 5 drinks deep so maybe you forget people's opinions on this because things can get awkward)
Donald Trump:
That same crazy fucking great uncle probably is all about making America great again… whatever the fuck that means. If you have a Trump supporter in your vicinity during your Holiday festivities, you should probably let them just spout whatever shit they want to and/or avoid this person like the plague. If they're anything like their fearless leader, they'll talk to anyone about anything, like a fucking bag of wind. Do yourself a favor and avert – you can turn on the TV at any given time and watch some news story about some stupid thing Trump said, anyways.
Level of potential divisiveness – 5, but who cares because any Trump faithful is evangelical about letting people know their a huge dickwad.
Mark Zuckerberg:
If you're in the Bay Area, this topic can get REAL hairy, REAL quick. If you're drinking at The Patio downtown Palo Alto with some friends, its most likely (99.9%) that SOMEONE you're chatting up / in your close proximity is a Facebook employee / knows a Facebook employee / is a ride-or-die for Facebook, so watch yourself. Yeah, giving birth to a mega-heiress this year (by "giving birth" I refer to his wife, Priscilla, not Zuckerberg, because thats what women do of course) put an actual human face to the Facebook overlord, and donating 99% of his shares made him a real-ass philanthropist, however you know the Zuck-haters are still hating strong. Sure you can say, yo, that photo of Zuckerberg changing his daughter's diaper got so much attention, but like would it be the same if it were a photo of Priscilla changing a diaper? A word to those that see through Zuckerberg: maybe keep it on the DL if you're conversing with the tech / Silicon Valley crowd. If you think Trump lovers are resilient, these guys are INDESTRUCTIBLE.
Level of divisiveness: 9, so maybe keep it surface level like, "OMG this Instagram is going to get as many likes as the Zuckerberg pregnancy announcement!"
When I checked my bag in for my flight, the woman asked, "Do you have any explosives, liquids, flammables, or hoverboards in this bag?" (real question though: does anyone ever answer yes?) The fact that HOVERBOARDS have to be added to the TSA/airline security vocab / script shows what a disgusting world we live in. Everytime I see someone on a hoverboard I think of that scene at the beginning of Wall-E, you know the one. The morbidly obese people are just wheeled around from place to place. WOW this is the world we live in.
Level of divisiveness: 1, if you actually try to defend the hoverboard and cite "cool factor" or "practicality," get the fuck outta here.
Greg Hardy:
So maybe you're watching the Cowboys v. Bills and you've run out of things to talk about with your old friends at the bar and someone's like "So Greg Hardy, huh?" GREAT conversation opener, IMHO. Right away, you'll know which of your old classmates turned out to be real bad seeds when you find out they're a Greg Hardy apologist. Yes, of course, domestic violence – any violence, is not a joking matter. But the sole fact of Hardy playing most Sundays leads to the bigger conversation of NFL's inadequacies. Is Jerry Jones' senile? Is Roger Godell inherently flawed? Yes on both counts. If you're lucky enough, this conversation opens a MYRIAD of doors to other NFL-related conversations:
- Larger conversation about domestic violence (wow really heavy for some simple bar talk so maybe avoid that)
- Will Smith's Concussion movie; general NFL concussion-talk and player safety (again, another heavy topic but very topical)
Level of divisiveness: 3, I think everyone can agree Greg Hardy is an asshole (unless you're in the company of Hardy apologists), the rest of the NFL controversies are up for grabs though.
Generic Personal Life Questions:
- How is work/school/life going?
- Do you have a significant other?
- Why are you single?
- Have you heard how *insert successful friend/family member* is doing?
- What's your Myers-Briggs personality type?
Ask any of these to be the asshat of the party.
Level of divisiveness: 10, No one likes answering any of these questions.
This is the greatest conversation starter / prolonger / ender. Go chat up your Aunt Kathy who always signs her emails, "God Bless!" about Jesus conspiracy theories. Or better yet, engage your Catholic middle school friends in a conversation about how you can be closer to Jesus in 2016. I'll go ahead an predict, this is a GREAT idea.
Level of divisiveness: 5, afterall, Jesus is the reason for the season (depending on who you ask, I guess.
Phrases to continue the conversation (without having to do so yourself):
- Tell me more about that…
- How does that make you feel?
- So what you're saying is (reiterate what they just said)…
- How so?
- Why is that?
- Maybe you're taking that too personally, don't you think?
Just some advice… do with it what you will. Happy Holidays.


text: VaporX uses their patented VaporMax technology to revolutionize the art of vaping. With no flame, odor, or ash, VaporMax allows for the optimal vapor with none of the drawbacks of a traditional vaporizer. With an unmatched battery life that creates the perfect balance between resistance and voltage, you can get the best taste and huge amounts of vapor. The XLT Vaporizer and XRT Vaporizer use lithium-ion batteries that make their loading system and activation easy-to-use. High-quality vapor technology teams up with a sleek and portable design in VaporX vaporizers.


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Children work together to solve world and human problems presented in a simplified way. Good for a small or large group.
Children are divided into simulated social groups (tribes, nations, etc.) Each group gets World Problem Cards and a share of Solution Cards. Through discussion, trade agreements, world councils, the players try to solve all the problems facing them. The debriefing session at the end allows for everyone to learn from each other.
Our most popular group game! Good for repeated use.
Includes: 2 decks of cards, grouping tokens, rules for teacher preparation, interaction and final evaluation.
more information at the Board Game Geek website
Customer Raves - Write your own Rave about this game!
(Click on a person's name or game group to see other raves by the same person or group.
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text:
A glimpse into the graffiti scene, through the story of Sandro, aka Kenzo 144. The passage from illegal to legal writing, and the damages on his charge estimated to 300'000 Swiss Francs. A journey into a culture hard to define, that will end with the fulfillment of a dream: painting in the Bronx with some of the writers that bombed the city of New York in the seventies. This documentary was directed by Andrea Pellerani and produced by Tiziana Soudani from Amka Films in collaboration with the Swiss Italian Broadcaster (RSI).
About the music score:
the music we created for La tua casa è la mia città ("Your home is my city") includes various elements, first among which the fascination for the territory and for the landscape, two aspects that stand as setting and source of inspiration for graffiti writing. The music contains many influences from trip-hop, but it is not bound to a precise style. Same as when people paint graffiti, our composition wants to give space to improvisation and to the inspiration of the moment. The music absorbs sounds, colors, lights and sensations from the locations where graffiti are made in order to transmit a strong and incisive aesthetic, which is probably the most important reason why a young man like Sandro feels the urge to paint on walls. At the beginning, the music will surprise us thanks to a wonder of colors and sensations, bringing us to the subsequent impact with reality, or better said, to the moment when Sandro chooses the way to compromise and to legal writing.
The soundtrack album of La tua casa è la mia città is available on iTunes.


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|Mom's café offers fine home-cooked meals
In this day and age with fast food everywhere there are very few restaurants that truly serve homecooked food, but Mom's cafe, as the name suggests, surely does. The proprietor Khun Koong has assigned her eldest son Khun Moo to take care and run this business because she has many businesses to control and take care of such as the Money Exchange Shop in Phuket Town at Talang road, and Thai massage shops in Kata and Cherngtalay. The name Mom's Cafe comes from Khun Koong's love for preparing food. When her family goes out to other restaurants and she discovers delicious new dishes, she learns about the ingredients and then prepares similar dishes herself. She also finds interesting menu options on the Internet. Mom's Cafe was opened last September and before it became a restaurant it was their family home. But they had to move away and leave the house abandoned, and unfortunately, it was robbed, so they decided to turn it into a cafe/ restaurant.
In the beginning, they had a plan to do only a coffee shop, but the customers started to ask for food early on, and as it very big house it became only natural to convert it into a fully-functioning restaurant, designed to serve customers a variety of foods and drinks. The restaurant is very nice with tasty food there is also a swimming pool, so sometimes customer come to have lunch and go swimming. Some customers even ask "Can I stay here?" Khun Koong apologizes, but says Mom's is only a restaurant, not a guest house.
Many customers return to Mom's café, because they feel relaxed and enjoy the homey atmosphere: Mom's also gets many student customers who study and do their homework while waiting on their orders. The price of food is reasonable, especially when you consider the ambiance, caring service and beauty of the home.
Moreover, Khun Koong does everything in the restaurant including cleaning, cooking, taking orders and taking care of her customers. She is friendly, very nice and very hospitable. There's also ample parking space at https://www.cialissansordonnancefr24.com/cialis-pharmacie/ the restaurant.
Address 185/30, Moo.4, Donjomtao Road, Tambon Thepkrasattri, Amphor Talang, Phuket. Contact Khun Koong, Tel: 098 670 9123, 076 311 430


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I tend to make it a rule...
IF that other person is seeing others... they're not seeing me
Said people are just holding out for something better
originally posted by: Akragon
Said people are just holding out for something better... and i refuse to be an option for anyone
originally posted by: Akragon
a reply to: Abysha
but IF one is already looking for something better at the start.... its probably not right to begin with
Good way to catch something that isn't a date
originally posted by: Lucid Lunacy
Ultimately, the only issue I see here is one of poor communication.


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Kingdom Of Thorn And Bone Ranks On The Following Lists:
Jon Snow's Top 20(Ranked 16 out of 20)
Hard to choose and order a Top 20. Definitely the Top 12 could change at any given day
Jon Snow's Top Fantasy Series(Ranked 9 out of 10)
Only series in this list. The Way of Kings is not on here YET as there is only one book.
How Would You Rate Kingdom Of Thorn And Bone? (leave blank if you just want to comment on the book and not review it):


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Congratulations to the cross country team for their hard work in the Dunlap Invitational on Friday. They ran against 47 teams and 1540 runners. Micah Bergen won a medal for 18th place in the boys open race. Awesome job!!--
Athletes, if you are in cross country, baseball, girls basketball or golf, you will take your sports pictures after school tomorrow. Make sure you bring your uniforms. If you are purchasing individual pictures, you will also need your order forms and money.--
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Q: I am trying to understand how my super is taxed and it seems that it is taxed at every turn. Can you please explain when, and how, a super benefit is taxed?
A: If it were not for tax, superannuation wouldn't exist. You would simply invest in your own name. Superannuation is taxed at lower rates to encourage people to lock their money away for retirement.
Here's the short story on the tax incentives surrounding superannuation. You receive tax incentives on superannuation at four different stages:
- Concessional (before-tax) contributions: when you, or your employer, makes concessional (before-tax) contributions
- Non-concessional (after-tax) contributions and the co-contribution: Indirectly, when you make a non-concessional (after-tax) contribution: although this type of super contribution does not directly receive any tax incentives – the investment earnings on those super contributions are concessionally taxed (see next bullet). Also, you may also receive a tax incentive when you're eligible to receive a tax-free co-contribution from the federal government. You're eligible for a co-contribution when you make non-concessional (after-tax) contributions of a certain amount, and your annual earnings are below a certain level of income
- Investment income on super fund investments: when your super fund earns income on fund investments, and note that investment income is earned on both pre-existing super investments, and new investments purchased with your most recent super contributions (both concessional and non-concessional contributions)
- Superannuation benefit payments: when you eventually receive your superannuation benefit.
Stage 1: Making concessional (before-tax) contributions
If you are an employee, your employer is required to contribute the equivalent of 9.5% of your salary (more specifically, 'ordinary time earnings') to your super fund. These compulsory employer super contributions are known as Superannuation Guarantee contributions. Your employer receives a tax deduction for these contributions and your super fund must deduct 15 per cent tax on each contribution (and for certain high-income earners, an additional 15% tax will be deducted from their super accounts after they have lodged their income tax returns). For example, Hilary earns $55,000 plus 9.5% super. Each year her employer must make super contributions, at least quarterly, worth an annual total of $5,225.
You can also make voluntary super contributions, in addition to your employer's compulsory contributions, although if you are over the age of 65, you must satisfy a work test before contributing.
You can make concessional (before-tax) contributions to a super fund. Concessional contributions fall into three main categories:
- Superannuation Guarantee (SG). An employer's compulsory super contributions to an employee's super fund. In relatively rare cases, an employer can also choose to make voluntary additional super contributions on behalf of an employee but these extra voluntary contributions are not classified as SG contributions. (For more information about SG contributions, see SuperGuide article Employer super contributions: SG rate 9.5% for 2018/2019 and 2017/2018 years.)
- Salary sacrificing for employees. If you can arrange for your employer to direct some of your before-tax salary to superannuation as contributions, your super fund deducts 15 cents in the dollar, rather than the government imposing your marginal tax rate on that income, which can be up to 47% (45% plus 2% Medicare levy) for the 2017/2018 year, and was up to 49 % for the 2016/2017 year. This type of arrangement is known as salary sacrificing. The employer will receive a tax deduction for this contribution — your employer would also have received a tax deduction if the contribution amount had been paid as cash salary. (For more information on salary sacrificing, see SuperGuide article Salary sacrifice and super: A guide for employees and employers.)
- Tax-deductible contributions for self-employed or non-employed, and since 1 July 2017, available to employees too. You can make concessional contributions, more commonly known as tax-deductible contributions, if you are an employee, or if you are self-employed or even when you are not working. A 15% contributions tax is deducted from any superannuation contribution that has been claimed as a tax deduction. (For more information see SuperGuide article Employees can now make tax-deductible super contributions (since July 2017)).
For more information on concessional contributions see SuperGuide article Super concessional (before-tax) contributions: 2018/2019 survival guide.
Stage 2: Making non-concessional (after-tax) contributions
A non-concessional contribution is a superannuation contribution sourced from money from which you have already paid income tax at some point in the past. After-tax contributions are not hit with the 15% tax on contributions when entering a super fund. For more information on non-concessional contributions see SuperGuide article Your 2018/2019 guide to non-concessional (after-tax) contributions.
After you make a non-concessional contribution to your super fund, the trustees of the super fund then invest that money on your behalf. Any investment income generated from that investment is taxed at a concessional rate of 15% (although certain capital gains are taxed at an effective rate of 10%).
If you make a non-concessional contribution, you may be eligible for a tax-free bonus from the government called the co-contribution if your assessable income is under $51,813 for the 2017/2018 year, or was under $51,021 for the 2016/2017 year. For more information on the co-contribution see SuperGuide article Cashing in on the co-contribution rules (2018/2019 year).
Stage 3: Paying less (or no) tax on earnings
The maximum tax that you will pay on your superannuation fund's earnings is 15 cents in the dollar (apart from SMSFs that may pay extra tax on special income from related parties).
A super fund pays tax on its earnings in four different ways:
- Believe it or not concessional (before-tax) superannuation contributions are treated as earnings/income of a super fund and subject to a 15% tax. We refer to a 'contributions' tax for ease of explanation, but legally this tax is really the same as the tax on a superannuation fund's income. If you earn less than $37,000 a year, and you, or your employer makes concessional (before-tax) superannuation contributions on your behalf, then you can expect a refund of the contributions tax deducted from your super account, paid directly to your superannuation account by the federal government (for more information on the newly-named Low Income Superannuation Tax Offset see SuperGuide article LISTO: Super tax refund for lower-income earners). At the other end of the income spectrum, if your adjusted taxable income is greater than $250,000 a year, your concessional super contributions will be subject to a further 15% tax, taking the total contribution for high-income earners to 30% (for more information on this extra tax on contributions, see SuperGuide article Double contributions tax for more high-income earners).
- Fund earnings are subject to a maximum of 15% tax (apart from SMSFs that may pay extra tax on special income from related parties). In addition, if your super fund owns Australian shares that pay franked dividends, your fund will pay less than 15% tax on its earnings. A franked dividend is a dividend that currently has pre-paid between 27.5% and 30% in company income tax. For more information about franked dividends, see SuperGuide article SMSF investment: Lower company tax rate and franked dividends.
- Capital gains. Any capital gains that your superannuation fund makes, from the sale of fund assets, is subject to earnings tax. If the asset sold has been held for more than 12 months, then the fund only pays tax on two-thirds of the capital gain. In effect, a tax rate of 10%.
- Non-arm's length income (NALI). For SMSFs, earnings from an investment in a related party are taxed at a much higher rate than the usual 15% tax on earnings. The tax rate on NALI is 45%. For more information on NALI see SuperGuide article SMSF investment: Can I invest my super money in my own company?
Note: The superannuation system is split into two distinct phases:
- Accumulation phase. You are in this phase when you are still contributing to your superannuation fund and/or you have not yet withdrawn your super benefit or started a super pension. Your fund pays up to 15% tax on concessional contributions (and individuals with an adjusted taxable income of greater than $250,000 now pay an extra 15% tax on concessional contributions), and 15% tax on investment income.
- Retirement phase. Your super account is in retirement phase if you have commenced a retirement phase income stream (pension) from a superannuation fund. Your super fund does not pay tax on investment income from assets that finance a super pension. Since 1 July 2017, there is now a cap on the amount of super savings that you can transfer into pension phase (for more information see SuperGuide article Retirement phase: A super guide to the $1.6 million transfer balance cap).
Stage 4: Accessing tax-free super benefit payments
The best news about super and tax is that when you access your super on or after the age of 60, you will receive your super benefit payments tax-free (with the exception of some public servants). That's right. No tax for over-60s. For more information about the tax treatment of super benefit payments taken before, or after, the age of 60, see the following SuperGuide articles:
- Tax-free super for over-60s, except for some
- Retiring before the age of 60: the tax deal
- Retirement: 3 ways of taking super benefits before the age of 60
Although the first two tax articles listed above each contain a summary table of the tax treatment of super benefit payments, for a handy summary table of all taxes applicable to your super benefits, see SuperGuide article Super for beginners, part 15: Super tax – as easy as 1-2-3.
For more Super for Beginners topics, see the following SuperGuide articles:


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Welcome Back New Friends & Returning Students
Post date: Sep 6, 2013 10:05:04 PM
Welcome back to all our returning students and to our new friends. This week has been great. All classes have started this week, but give us a call if you are interested in joining our family. We will find a class appropriate for your skill and age.
Friday Night Open Gym begins this week, from 7p to 9p. Come on in and practice those skills. Cheerleaders, competitions are not that far away. Get your floor time in now and advance those skills. $10 / 2 hours / registered student $14 / non
For The Young Ones
Saturday Morning Open Gym begins this Saturday, Sept 7th from 11a to 1p. Still just $5 / hour / registered student. $7 / non
Head Over Heels is looking forward to a great 2013 – 2014 year. Come on in to the gym that was voted "Best of The Best" for 2013.
Birthday Parties for the Fall season are starting to fill. Give us a call to reserve your spot.
See You Here Soon !!!