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Privacy Notice
First Bank and Trust
Our Commitment to Your Privacy
The directors, management, and staff of First Bank and Trust are concerned about and respect the privacy of customers' personal financial information. We understand that our customers furnish sensitive information to the bank in the course of our daily business, and the bank is committed to treating such information responsibly.
The bank will take all the necessary steps to safeguard sensitive information that has been entrusted to us by our customers. The following privacy policy and disclosure outlines our bank's practice regarding personally identifiable financial information for bank customers and consumers. This information is provided to our customers initially upon opening a new account and annually thereafter.
Facts: What does First Bank and Trust do with your personal information?
Why?Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Social Security number and Account balances
- Credit history and Account transactions
- Payment history and Checking account information
How?All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons First Bank and Trust chooses to share; and whether you can limit this sharing.
|Reasons We Can Share Your Personal Information
|Does First Bank and Trust share?
|Can you limit
this sharing?
|For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
|For our marketing purposes—to offer our products and services to you
|For joint marketing with other financial companies
|We don't share
|For our affiliates' everyday business purposes—information about your transactions and experiences
|We don't share
|For our affiliates' everyday business purposes—information about your creditworthiness
|We don't share
|For nonaffiliates to market to you
|We don't share
What We Do
How does First Bank and Trust protect my personal information?To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does First Bank and Trust collect my personal information?We collect your personal information, for example, when you:
- open an account or apply for a loan
- give us your income information or provide your mortgage information
- make a wire transfer
Why can't I limit all sharing?Federal law gives you the right to limit only:
- sharing for affiliates' everyday business purposes—information about your creditworthiness
- affiliates from using your information to market you
- sharing for nonaffiliates to market to you
|Joint Marketing
|Companies related by common ownership or control. They can be financial and nonfinancial companies.
First Bank and Trust does not share with our affiliates.
|Companies not related by common ownership or control. They can be financial and nonfinancial companies.
First Bank and Trust does not share with nonaffiliates so they can market to you.
|A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
First Bank and Trust does not jointly market.
If you have any questions or wish to receive a printed copy of this privacy notice by mail, call 504-584-5900 or toll free at 877-426-2498, or go to our Contact Us page.


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Departmental Seminar: Eleni StrouliaWhen:
Title: Smart Condo: IoT for Social Good
The anticipated increase in the world population, people's desire to live at home for as long as possible and the shortage of health-care professionals make the need to develop technological supports for people with chronic yet manageable conditions, to monitor and take care of their own health. The advancing wave of Internet-of-Things technologies holds immense promise to deliver such supports. In our work in the Smart-Condo project, we have been developing a sensor-based platform for non-intrusively monitoring people at home, analyzing the collected data to extract information about their activities, and generating support recommendations -- for themselves and their care-givers. We have been experimenting with a variety of living-at-home scenarios, and different sensor types and user interfaces. In this presentation, I will review the architecture of our platform, our research methodology, and our findings, and I will point out some interesting challenges for future research.
Eleni Stroulia (PhD, Georgia Tech 1994) is a Professor of Computing Science at the University of Alberta. Her research focuses on (a) developing methods and tools to support software-engineering activities, and (b) designing and deploying software-based solutions for real-world applications in health care, education, and knowledge work. She has supervised more than 50 graduate students, has co-authored over 200 publications, and has served in the organization of many international software-engineering conferences. From 2010 to 2016 he held a NSERC/AITF Industrial Research Chair on Service Systems Management (w. IBM support). Over the last 6 years, in addition to leading her IRC research program, she has held leadership roles with two NCEs (GRAND and AGE-WELL), the SAVI Strategic Network, and a Strategic Project on Knowledge Mobilization and Innovation.
Abstract: TBDComplete Seminar List

subset: commoncrawl


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Foundation Offers Budget Comparison
Filed under: Uncategorized
The NC Early Childhood Foundation offers a comparison between the NC House and the NC Senate budgets.
Download a chart comparing House and Senate provisions related to children birth to eight. Some of the provisions will need to be hammered out in Conference Committee.


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Each year National Geographic holds its prestigious travel photography contest. 2016's has come to an end and it's time to announce the winners! Chosen from more than 10,000 entries, below are the best traveler photos of the year.Continue Reading..
Daniel is an Art Director and Graphic Designer with over a decade of experience in advertising and marketing in the Greater Toronto Area.


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Michael Gray, CPA's Tax and Business Insight
January 31, 2008
© 2008 by Michael C. Gray
A monthly report to help you prepare for your financial future, keep more of what you earn by minimizing your taxes, and build an extraordinary business!
Route to _______ _______ _______ _______ _______
(If you find this information valuable, please pass it on to a friend!)
Table of Contents
- Tax season is here! Make your appointment now!
- Happy 67th anniversary, Mom and Dad!
- Yes, we do prepare income tax returns.
- Welcome, Wendy Zhang!
- Fed makes another big interest rate cut.
- Ready, set, refinance? We can help!
- Will I get a tax rebate this year?
- Suggestions if you prepare your own income tax returns.
- Supreme Court rules investment advice for trusts subject to 2% of AGI floor.
- Proposed regulations on fiduciary costs subject to 2% of AGI floor.
- Questions and Answers
- Visit our new article!
- Do you have employee stock options?
- Do you have real estate tax issues?
- PS Marché Aux Fleurs and AVA
- Subscribe/Unsubscribe from Michael Gray, CPA's Tax & Business Insight
Tax season is here! Make you appointment now!
There are only about two and one-half months left before the tax return due date. Time to get started now!
If we prepared your income tax returns last year, you should have already received instructions in the mail. If you haven't, please call Dawn Siemer at 408-918-3162.
To have us prepare your income tax returns, start with the online Tax Notebook organizer. Call Dawn Siemer at 408-918-3162 for instructions to get started. We also have a paper organizer if you prefer. We still need your documents (W-2s, 1099s, receipts for donations) to prepare your income tax returns.
We can prepare most income tax returns using information provided online and by mail. If you wish a personal meeting, please call Dawn Siemer at 408-918-3162 to schedule an appointment. Our calendar is filling up fast!
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Happy 67th anniversary, Mom and Dad!
My parents, Aubrey and Eleanor Gray of Saratoga, California, are celebrating their 67th anniversary today, January 31. They will be having celebrations with children and grandchildren during the next few weeks, including with my brother and most of my immediate family tonight.
We feel very blessed to continue to have my parents with us, and are very proud of their achieving a long, successful marriage.
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Yes, we do prepare income tax returns!
With our free newsletters and the information we make available at no charge on the web, some people wonder how we make a living. We prepare income tax returns and provide tax and business consulting services. We are accepting selected new clients and are thrilled when our clients and friends refer their friends, associates and family members to us. To inquire about becoming a client of our firm, please call Dawn Siemer at 408-918-3162 or send an email to her at firstname.lastname@example.com. We must receive your tax information by March 1 to guarantee delivery by April 15.
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Here's Wendy Zhang!
Welcome, Wendy Zhang!
Wenquiao "Wendy" Zhang has joined our firm as an intern for this tax season. Wendy graduated with a Masters of Science in Business Administration, accounting concentration from San Francisco State University in May, 2007.
Wendy is married and has a daughter born last August.
In China, Wendy was an Obstetrician/Gynecologist. She delivered a lot of babies! Her medical license was not transferable to the United States, so she decided to pursue a new career.
We are very glad Wendy has joined our team for this tax season!
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Fed makes another big interest rate cut.
On Wednesday, January 30, the Federal Reserve made its second big interest rate cut – one-half percent – in two weeks. The new "wholesale" interest rate for federal funds charged by the Federal Reserve to member banks is now 3 percent. (Last week, they made a 3/4 percent reduction.) Commercial banks have followed this action by lowering their prime lending rates to 6 percent, the lowest in almost three years.
The Fed took this action to try to calm financial markets. The US stock markets and stock markets in other countries around the world have been taking big gyrations – mostly down. It's good to see this agency take decisive action to try to stabilize the economic system.
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Ready, set, refinance? We can help!
Getting financing for buying homes or refinancing existing mortgages has been more difficult recently. Lenders are looking much more carefully and requiring more documentation than before. Most of the mortgages that have been approved are "conforming" mortgages, with a maximum loan of $417,000. Interest rates for conforming mortgages are much lower than for jumbo mortgages.
As part of the U.S. government's economic stimulus package, a proposal has been made to increase the lending caps for U.S. government-insured loans from $417,000 to a temporary maximum for 2008 of $729,750, with lower limits applying to less expensive areas. (For example, the $729,750 limit would apply our area of San Jose-Sunnyvale-Santa Clara, but not to Sacramento or Riverside.)
In addition, the decrease in the federal funds rate to 3% (the prime rate is normally 3% over this rate) by the Federal Reserve on January 30 and the increasing volatility of the stock market should lead to lower interest rates in the coming months, and mortgage interest rates have been declining recently. Increased demand for loans to pay income taxes during tax season could offset this rate trend.
So consider getting an application in process for refinancing. In order to "lock in" interest rates, more lenders are requiring that an application be in process. Last week, there was a huge bottleneck of "lock" requests. Be prepared.
Working together with Wymac Capital, we specialize in no points, no fees mortgage refinancing. If you live in California, we would be delighted to help you get an application in process. Call Michael Gray at 408-918-3161 to get started.
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Will I get a tax rebate this year?
In response to our nation's economic concerns indicated by a wildly gyrating, mostly declining U.S. stock market, the President and Congress have agreed that economic stimulus action is required. Part of the stimulus will be rebates sent to some U.S. taxpayers. The details of how this rebate will work still have to be determined, but we will probably know by the end of February.
Members of Congress are concerned that some taxpayers will simply deposit the rebate in their savings accounts, defeating the purpose of increasing consumer spending. (If you're like me, you'll use the money to pay off some of your credit card debt. Sorry Congress, but the banks should be happy, and healthier banks are also good for the economy.)
The House of Representative passed H.R. 5140, "Recovery Rebates and Economic Stimulus for the American People Act of 2008" on January 29.
Under the House proposal, the basic credit for 2008 would be the greater of:
- net income tax liability up to a maximum of $600 ($1,200 for a joint return), or
- $300 ($600 for a joint return) if either (a) the taxpayer's earned income is at least $3,000; or (b) his net income tax liability is at least $1 and gross income is greater than the sum of the basic standard deduction amount and one personal exemption (two for a joint return).
There would also be a $300 per child rebate.
The rebate and child rebate would phase out for 5% of adjusted gross income above $75,000, or $150,000 for a joint return.
Under the Senate proposal approved by the Senate Finance Committee yesterday, an eligible individual would receive a rebate for 2008 of $500 ($1,000 for joint returns) if (1) he files a tax return with a tax liability of at least $1; or (2) his earned income (as defined for the earned income tax credit) and social security benefits are at least $3,000. Under the Senate proposal, many more senior citizens will qualify for a rebate. The Senate also would provide a $300 per child rebate. The phase out would start at income levels twice as high as under the House version, $150,000 for singles and $300,000 for a joint return.
Nonresident aliens, dependents, estates and trusts would not qualify under either proposal.
A qualified child for the $300 rebate would have to meet the same requirements as for the existing child tax credit – under age 17, generally sharing the principal residence with the claiming parent for more than one-half of the year, and a qualifying relative. A child who isn't a U.S. citizen, national or resident doesn't qualify.
The Bush administration is urging Congress to come to an agreement on a final proposal as quickly as possible.
Since the rebate checks will be based on adjusted gross income reported on the taxpayer's 2007 income tax return, you will want to file your 2007 income tax returns as soon as possible if you think you will qualify.
The rebate will not be taxable income and will have no effect on the amount of withholding or estimated tax payments required for 2008.
[Editor's note: You will not receive an email from the IRS notifying you of this rebate. As reported in the September 2007 issue of Michael Gray, CPA's Tax & Business Insight, those email messages are scams.]
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Suggestions if you prepare your own income tax returns.
Remember changes were passed late in 2007 that aren't shown on the tax forms mailed by the tax authorities. Errors have also been discovered on the government forms issued by the California Franchise Tax Board.
Therefore, 2007 is not the year to hand-prepare your income tax returns. Use tax return preparation software.
The version of the software "on the shelf" at the store almost always has "bugs" in it. Be sure to download software updates to your computer before submitting the tax returns. You must have an internet connection to make the software updates, or risk having programming errors get through.
Since the forms are in error, I also recommend efiling, which also requires internet access.
Review the output carefully before efiling. Some common errors to look for include data entry errors, withholding, state tax deduction, alternative minimum tax (especially for exercises and sales of incentive stock options) and alternative minimum tax credit. Carryovers of state minimum tax credits are commonly missed.
Are you really sure you want to prepare your own income tax returns?
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Supreme Court rules investment advice for trusts subject to 2% of AGI floor.
The Supreme Court has resolved a conflict among the Courts of Appeal by finding fees paid for investment advice are subject to the 2% of adjusted gross income floor.
The trustee argued that the Trustee's fiduciary duty to act as a "prudent investor" required the trustee to obtain investment advisory services. This duty is unique to trusts and should justify allowance of investment advisory services as an administrative expense, not subject to the 2% floor.
The Court rejected the trustee's argument because nearly all of a trust's expenses are incurred because the trustee has a duty to incur them.
The Court agreed with the Fourth and Federal Circuits that the test should be whether it would be uncommon, unusual or unlikely for an individual to incur the expense outside the trust context. It asserted it is not unusual for individuals to hire an investment adviser.
The Court also said that some of the investment advisory fee may be fully deductible if an investment advisor were to impose a special, additional charge applicable only to its fiduciary accounts.
(Knight v. Commissioner, 2008-1 USTC ¶ 50,132, January 16, 2008.)
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Proposed regulations on fiduciary costs subject to 2% of AGI floor.
The IRS has issued proposed regulations explaining which fiduciary costs are subject to the 2% of AGI floor. Fees for preparing Form 706 or 1041 generally aren't subject to the floor. Investment advisory fees are. Fees for preparing gift tax returns are. If the fees are bundled, a reasonable estimate must be made of the portion subject to the floor and not subject to the floor.
(REG-128224-06, 72 Fed. Reg. 41243, July 27, 2007)
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Questions and Answers
I am in the Air Force and am stationed in California. I am trying to swap assignments with someone at a base in North Carolina. Since it is a swap, the Air Force won't pay for me to move. I want to move so I can buy a home at a lower price than in California. Would my moving expenses be deductible?
Also, is mortgage interest 100% deductible? Are appliances bought for the home deductible? This will be my primary residence.
Since you are moving for a personal reason and not for an employment-related reason, the moving expenses would be nondeductible.
Mortgage interest for a mortgage secured by a principal residence and for the purpose of purchasing the residence are generally deductible, provided the loan doesn't exceed $1 million. Not all mortgage interest is deductible.
Appliances bought for the home aren't deductible.
I am single and live with my boyfriend, mother, stepfather, and younger brother. I own the house we live in together with my boyfriend. Is there any way that I could claim head of household?
In order to qualify, you would have to have a qualifying dependent. In order to do this, someone couldn't have income above the personal exemption amount ($3,400 for 2007), you would have to provide more than one-half that person's support, and no one else could claim that person as a dependent. The best candidate would be your brother, but is your mother willing to give up the exemption?
This is actually a more complicated question than you might think. I suggest that you get Publication 501 at the IRS web site, www.irs.gov and study it.
Michael Gray regrets he can no longer personally answer email questions. He will answer selected questions in this newsletter.
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Visit our new article!
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If you have employee stock options, have you subscribed to Michael Gray, CPA's Option Alert at no charge or obligation?
To learn more, visit stockoptionadvisors.com/subscribe.shtml
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If you have employee stock options, have you subscribed to Michael Gray, CPA's Option Alert at no charge or obligation?
To learn more, visit stockoptionadvisors.com/subscribe.shtml.
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Real estate investors, have you subscribed to Michael Gray, CPA's Real Estate Tax Letter at no charge or obligation?
For details, visit www.realestatetaxletter.com.
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IRS Circular 230 Disclosure: As required by U.S. Treasury Regulations, you are hereby advised that any written tax advice contained in this communication was not written or intended to be used (and cannot be used) by any taxpayer for the purpose of avoiding penalties that may be imposed under the U.S. Internal Revenue Code.
P.S.-1 My daughter and her husband, Holly and Dan Baker, have a Southern French Restaurant at 23 Ross Common, Ross, California, about 15 minutes north of the Golden Gate Bridge. The name of the restaurant is Marché Aux Fleurs and their website address is marcheauxfleursrestaurant.com. For the best meal of your life, call 415-925-9200 for a reservation and give them a try! For directions, visit our website at taxtrimmers.com/directions.shtml.
They also have a second restaurant, AVA, at 636 San Anselmo Ave., San Anselmo, California. AVA serves food and drinks produced in California. For reservations, call 415-453-3407. The web site is avamarin.com.
P.S.-2 Marché Aux Fleurs is being featured on the Check, Please! television show on San Francisco public television station KQED 9. The program is scheduled to play Friday, January 11 at 8:30 p.m., Saturday, January 12 at 9 a.m. and 1 p.m., and Sunday, January 13 at 5:30 p.m. (The restaurant received an enthusiastic "Yes!" review!)
To see the review now, or if you are outside the San Francisco Bay area, the video has been posted at www.kqed.org/checkplease/. It is episode 23 for Season 2.
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Home Newsletter Archive Introducing Michael Gray, CPA Articles Tax FAQ Need Help? Other Links
Michael Gray, CPA2482 Wooding Ct.San Jose, CA 95128(408) 918-3162FAX: (408) 938-0610email: firstname.lastname@example.com: 8am - 5pm PDT Monday - Friday
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Although they are already withering in pain, many still hesitate to visit a dentist. The thought of having the "tooth doctor" take a look at their opened mouth and take out the bad tooth right in front of them is just too horrid to imagine. The needle. The blood. It's just too much!
Majority of those experiencing toothache would rather drown themselves in pain killers, hoping that the pain would go away. But the only thing these pills do for them is prolong their agony. The pain goes for a while and then comes back again with a vengeance. What are these people thinking? Isn't it much better to have the thing pulled out to end their misery? Sounds like a pretty good idea to me.
What I didn't realize is that the fear of going to the dentist is a serious problem. The anxiety associated with it could make someone go through moments of panic, breathlessness, nausea, heart palpitations, among others. But more than the anxiety, the real problem lies in the avoidance. Avoiding dental appointments could lead to infections that can jeopardize one's health. To prevent this, here are a few tips to manage and deal with your dental anxiety before it turns worse and life threatening
1. Go to a dentist you trust: Having to undergo any dental procedure is much easier for any patient when they know that they can trust their dentist. When they are confident that their doctor knows what they are doing and that they will be taken care of for the entire procedure, dental anxiety and fear will be greatly reduced.
To feel safe and assured that you will be treated appropriately, ask your family or your friends if they personally know someone. Ask them if this dentist is really competent and proficient in his craft. More importantly, ask them how this dentist fair in the bedside manners category. An assuring and friendly doctor will help make the procedure less of an ordeal.
2. Do some recon: To help ease the nerves, do a little bit of recon. Gain some information about your dentist, the procedure, and his office's accommodations and utilities. Contact his office and inquire about his clinic's atmosphere. Ask how long the procedure will take and how this process will be performed. Inquire what type of sedatives he uses and check out the internet to get a more detailed description of these chemicals. Knowing what to expect during your visit will alleviate some of your worries.
3. Prepare your teeth and gums: Before leaving for your appointment, brush your teeth carefully. Do not forget to gargle and floss as well. Doing this last minute preparations to reduce mouth odors will spare you the embarrassment when your dentist takes a look and sees the state of your teeth.
4. Try sedation: If you are one of those with severe cases of dental anxiety, consider taking the procedure under nitrous oxide or other sedating gas or drug. There are dentists who practice this. Ask your doctor if he is one.
5. Talk to your doctor: To get over your anxiety, talk to your dentist about it. Share that you have a fear for dentists and other dental procedures. Informing him of your fear will guide him to take extra care and attention to your pains. He will be gentler with his approach and from time to time will adjust the anesthetic to suit your needs.
6. Assign hand signals: Since your ability to speak and utter your needs will be hampered for the whole duration of the procedure, establish a communication system with your dentist. Tell him that you will be using some hand signals to signify any experience of discomfort or pain. Inform him that you will be raising your hand if you feel any pain during the dental procedure.
7. Listen to music or watch TV: During a dental procedure, bring with you your iPod or mp3 player. If your dentist allows it, play a song and listen to it to help your muscles relax. You can choose any type as long as the choice will keep you calm and distracted from the procedure.
Watching TV will also provide a good distraction from your phobia. If the clinic has one, ask to have it turned on.
8. Practice deep breathing: For any anxiety-causing activity, always remember to practice deep breathing exercises. Having enough oxygen inside your lungs and into your brain will help reduce your feelings of anxiety.
9. Take breaks when your anxiety builds up, do not be afraid to signal for a break. You need to take some breather especially for procedures that take too long to finish.
10. Bring your "person": Have your friend or your "person" accompany you to your dreaded appointment. While waiting for your turn on the table, chat with him or her to dissipate some of your worries. Just make sure this "person" does not share your fear of dentists.
Regular dental care is vital for your health. Do not let your fear of pain or dentists come in the way. Practice these techniques and your dental anxiety will gradually be solved.


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Hansa Cequity has helped insurance companies transform their customer & advisor insights with a focussed analytics-driven methodology and approach.
With over millions of customers across multiple insurance products like term, endowment, ULIP etc., and using both an advisor and bancassurance channel to reach-out and acquire customers, insurance companies are looking to maximize retention through better cross-sell & up-sell analytics solutions. This is key to driving profitability and growth of the customer portfolio.
At Hansa Cequity, we believe Customer Value Management (CVM) is key to improving both market share & share-of-wallet for insurance companies.
Therefore we have come up with a solution for insurance companies that starts with building a Cequity Snapshot™ - a proprietary insurance data model to build a single view of your customers to drive a data-driven marketing strategy. We overlay this with our Cequity ACE Insights™ - an analytics solution framework & methodology that makes building insights easy and quick. This can include understanding & segmenting your current customers, understanding advisors & segmenting them by value, predicting churn and improving persistency, predicting customers with the next best product etc.
Want to know more? Get in touch today!


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Return to the glory days of disco, funk and soul with real dance music legends and enjoy a sensational evening of non-stop, dancefloor anthems including Boogie Nights, Going Back to My Roots and Use It Up Wear It Out.
Live in concert, Heatwave present with spine-tingling falsettos on Mind Blowing Decisions, Always and Forever, Gangsters of the Groove, The Groove Line and Too Hot to Handle.
While direct from the Big Apple, special guests Odyssey take us back to our roots with Native New Yorker, Inside Out and If You're Looking for a Way Out.
Prepare to use up and wear out the dance floor one last time in the definitive boogie night!


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Just wait until you see the back...
Just what we've all been waiting for.
See a few tricks—in motion—that we have up our sleeves.
Rent? Who cares about paying rent? Paying rent is for poor people. Designer jeans are life!
Even Kylie Jenner loves them.
Her booty looks seriously Kardashian-esque in those Calvin Klein jeans.
Never toss another pair out again.
There's no such thing as too much jean.
It's easy! Choose your body type to pinpoint which cut of jeans will flatter you famously.


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These are terrifying! I can understand the reason these stories persist, imagine being surrounded by foreboading jungle, hearing stories of these terrible creatures that snatch people away into the darkness of the green growth or under the currents of deep rivers, strange animals and predators in every shadow, keeping you close to the villages and civilization, lest you encounter these things in the wilderness. This is going to be a great resource for the creatures themselves and the stats that make them as dangerous as they sound, great texts and descriptions of their tactics and behavior, especially terrifying is the Green Woman. And the Dire and Monsterous animals of the region are a great add to a game. Amazing art, love the cover with the Maero, great pieces throughout. Can we get some standees of these monsters?
Add these to your next game, perfect for island encounters.
Useful if you run tribal encounters, lizardfolk, or primitive magic users, but also something very clever that you dont see in many game lines, terraforming spells that actually change the land permanently. A good buy to add to your collection of spells whether you're a player or a DM.
These 100 Oddities are a good read, great for seeds, but also great flavor for any foray into a cemetery for your adventurers, a lot of these fitting for high fantasy D20 or even modern horror with encounters both natural and supernatural. As always great artwork inside, though there were a few cool oddities I would have liked to have seen illustrated especially 60 and 71
If you are running a fun game, full of potential, this is the right item to give your PCs, but will they trust you enough to use them? Jester Dragon has given you 100 potential seeds (no pun intended) to add to your game or send your players off on new adventures. Favs include 50, 51 which I want to see as a module, and 70. These are excellent paths to create your own campaign, with a randomness that is both attractive and interesting. And you can't beat the price, Jester Dragon is practically giving it away.
The Bag of Beans has a ton of really great, creative magical effects. These are things totally outside of the mundane that will keep your players guessing. This publication also features really fun and evocative illustrations.
These are some great utilitarian (with the potential for creative use in combat) spells with a lizardfolk flair. I can't wait to summon a brontosaurus :D
In a recent game I came across a lizardfolk. I knew what they looked like from the picture in the Monster Manual, but I really wish we had had these tokens then. They are so well made and I am sure would have increased immersion in that game session. Next time I'll be ready.
If you are into total game immersion and you play with dwarves, get these tokens and avatars. The are really well made and fun to play with. My favorite is the dwarven champion. Worth the money, for sure!
I play a lot of virtual games and nobody likes to be represented by something they are not on the computer screen for all to see. This solves that problem and they of course help with game immersion.
There is so much good information in this book. The content seems all encompassing and some of it even feels like bonus material, like the ship designs. They are fantastic! You can tell a lot of hard work was put into it. Definately worth the money.
Having now read through the rules and watching playthroughs of the game, I can say this is quickly becoming a top favorite of the various skirmish wargames I have purchased over the years. I love the setting and the Norse Saga feel to the game, which is brought about my several unique mechanics inlcuding the wyrd die, Runes, etc. Also something I very much like, it would be very easy to adapt these rule for an RPGlite campaign. There are rules for dismounting riders! This is so cool, and I have yet to see another wargame with mechanics for it. Rules for seigecraft, thematic magic and spells and a great and expanding bestiary. Ragnarok: Age of Wolves has newly inspired me to tackle new and unfinished projects, including a great many unpainted vikings, and a slew of other minis suitable for gaming in "The North". Thank you to Clint Staples and Skirmisher Publishing for producing such a great and unique game.
An excellent resource for a scenario or setting that deals with ancient seafaring, including a number of ancient ships of Mediterranean and Viking Style.
Quite a varied selection of clip art, all in good resolution, everything from crowd or street scenes to fanciful illustrations of giants, a pair of jousters, and a forested swamp. Excellent for accent pieces.
A fine clip art suitable for chapter headings, or as accent pieces: illustrations of townsfolk, plate armored mercenaries or soldiers, as well as weapons. All the files are good resolution.
Another great installment to Skirmisher's Vintage Stock Art series. If you're putting together a publication involving ships or boats you'll find this to be an indispensible resource. As always, the images are high resolution although this publication doesn't seem to have multiple copies of the same images in different file formats, so you may need to do a little tinkering with them depending on how you are setting up the documents you use them in.


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After its two biggest races of the year - the Kentucky Oaks and the Kentucky Derby - Churchill Downs got a well-needed cleanup Sunday.
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MONTREAL — Icon Male today released its second volume in its gay romance vignette series, "Straight Boy Seductions."
The Nica Noelle-directed "Straight Boy Seductions Vol. 2," available now on DVD and distributed by Mile High Media, captures gay men's ultimate fantasies, including straight-men seduction.
Noelle selected Nick Capra, Jaxton Wheeler, Brendan Patrick, Tony Salerno, Andrew Fitch and Rodney Steele for the film.
In "Straight Boy Seductions," Capra secretly meets up with longtime friend Salerno to explore their sexual attraction. Meanwhile, Patrick is seduced by Wheeler.
"Nick Capra returns to seduce sexy handyman Andrew Fitch, and Brendan returns for a session with cunning psychotherapist Rodney Steele," the studio said.
"Many straight men fantasize about having a sexual encounter with another man, and along the same lines, some gay men fantasize about the straight guy who realizes he has feelings for other men," Noelle said. "'Straight Boy Seductions' seeks to explore the underlying sexual tension in male friendships and take those relationships a step further than they might go in real life."
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- Worldwide Rank #214,670,201
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MOON SUN's story
MOON SUN, also known as @01043929221 has a novice's presence on Twitter and is ranked by us in the 20% percentile for account strength. Active on Twitter since October 2012, MOON SUN made it to having a respectable 5 Twitter followers and to being ranked 214,670,201 for number of followers among all Twitter users.
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MOON SUN Tweets
@01043929221 has posted 0 tweets in the last 7 days, which translates to an average of 0 tweets per day.
MOON SUN Twitter Followers
@01043929221 has 5 followers on Twitter.
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MOON SUN Following on Twitter
@01043929221 is following 101 Twitter accounts.
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Birroteca is the destination for modern, rustic Italian
cuisine crafted using ingredients sourced from local ranchers, farmers and
seafood vendors. Guests enjoy communal dining service in a refined, casual
setting. There are more than 24 craft beers on tap in addition to a focused
Italian wine list and a selection of unique craft cocktails prepared with
artisan distilled spirits and house-made mixes.
Bonefish Grill
Whether you're looking for chef-coat service or a more laid
back approach - you're in good hands at Bonefish Grill. They take fine dining
and remove all the stuffiness that gets in the way, creating excitement as their
fresh food experts guide you through your culinary experience. Prepare those
Broom's Bloom Dairy
Broom's Bloom is an interesting mix of ancestral history and
new beginnings. The farm and house dates back to the early 1700's and is
supporting its 9th generation of the Dallam family. The farm is named after the
colonial land grant for the area. In 1997, David and Kate Dallam started milking
65 cows on the farm and even more recently they started making and selling old
fashioned ice cream, farmstead cheese and pork sausage. Their animals are fed a
natural diet of grains and forages and they do not use artificial growth
Buontempo Brothers
Pizza, subs, sandwiches, salads, pasta, Italian ice, beer
& wine, and much more! Family owned and operated, it's "Bel Air's own
Little Italy". Conveniently located in the heart of Downtown Bel Air.
DuClaw Brewing Company
Owner Dave Benfield and DuClaw Brewing Company Brewmaster
Jim Wagner are the masterminds behind an amazing array of craft brewed beers.
Through constant innovation and testing of new recipes, combinations and
ingredients, the pair have brewed more than 35 unique beers and countless
variations and blends. Some are available on tap and in bottles year round,
while the others rotate in and out of the lineup depending upon available
ingredients, seasonal appropriateness of the style, and what they're in the
mood to drink that week.
A big selection of raw fish & rolls supplemented by Thai
& other Asian eats in a hip environment.
The Hickory
The Lodge is a truly unique experience, massive fireplaces,
stone mantles and vaulted wooden ceilings create a cozy, fun dining environment.
Laurrapin Grille
Located in historic downtown Havre de Grace, the
contemporary American cuisine showcases dishes that reflect the true
flavor of the food and honors the bounty of Maryland
and the Chesapeake Bay region we are
privileged to call home. Using fresh, local ingredients at their peak and
preparing them simply allows Laurrapin to capture the essence of the season and
bring it straight to your table. Laid back, eclectic and unpretentious,
Laurrapin is a place to settle in, get comfortable and have a great time.
Enjoy in good health!
Liberatore's Ristorante
From traditional homemade lasagna, to their savory lobster
tetrazzini, or premium veal saltimbocca, everyone will find a favorite here.
Host Italo Liberatore and his energetic staff are dedicated to providing you
with an excellent experience, whether for lunch, a special evening, wine
tasting or private catered event.
Pairings Bistro
They have set out to create a unique atmosphere blending
classical Mediterranean and Belgian cuisine with a Chesapeake
Bay flair using local, sustainable, and/or organic
ingredients. The menu is paired with a
global wine selection of old world styles and new world varietals, all in a
contemporary yet quaint setting.
Located in the heart of Bel Air on the corner of Main Street and Pennsylvania Avenue,
you won't be able to miss us! Experience the sights of downtown Bel Air's
revitalized Main Street while sitting at the windows of our store, all while
enjoying a delicious panini and quality glass of wine. Life doesn't get much
better than that!
Steelefish Grille
Sorts bars and seafood restaurants — especially
family-friendly ones — don't necessarily seem like a natural combination. But
at Steelefish Grille in Bel Air, big screen TVs and plenty of drink specials
coexist happily alongside kids' menus and a seafood-heavy selection of entrees.
Tidewater Grille
Extensive use of glass and the open design of the restaurant
ensure views of the water regardless of where you sit. The expanded bar and
lounge features a Cruvinet wine bar, a complete selection of liquors, and a
great variety of bottled beers and beers on tap. The menu selections appeal to
customers seeking a finer dining experience as well as to those who want to
"kick back" and enjoy a casual meal. Fresh seafood and local fare are menu
mainstays. Live entertainment is presented Thursday, Friday, and Saturday
evenings featuring jazz, classic rock, and 'Americana'.
Vagabond Sandwich Company
Using the freshest ingredients and a little creativity,
they're scratch cooking their way into our hearts ... and our bellies!
Breakfast and lunch served all day with weekly specials. Try their Saturday and
Sunday brunch specials! Dine in, carry out, catering or event hosting, they are
here for all of your needs.
The Vandiver Inn
Just about every Monday at 7 they'll be serving a "fun,
casual dinner with a global flair" in their historic dining room, front
porch or Pavilion, so bring some friends, get ready to make some new ones and, most
of all, enjoy your dinner.
The Vineyard Wine Bar
Located amidst the antique shops, art galleries, bed &
breakfasts, and marinas of Havre de Grace, The Vineyard Wine Bar is a
convenient stop for a glass of wine, a light lunch or a rewarding dinner.
Showcasing values from around the world and offering interesting and unique
grape varietals, from Airen to Zinfandel. Their Bistro Menu offers an exciting
array of tapas style dishes, light and healthy salads, "Flatbreads", assorted
fresh pate, an extensive selection of artisanal cheeses, and specialty
desserts…all designed to accompany the great wine selection.
email@example.com (e-mail)


text:
: TONY – Good afternoon, TNT. It's Monday, August 25, 2014.
DC is either really sick or he's trying to duck this conversation today. Actually, he sounded really bad. We were going to do this call later this evening, but he keeps sounding worse everytime I speak to him, so I'll just put the info out there now. There are no filters telling me what I can say or can't say so I'll just put it out there.
T – A lot happened over the weekend. I want to read you a text I got on Friday after our call: "Hey Tony, I'm a real estate agent in CA and have a real estate client from Iraq. He got $400,000 in his bank account that he wants to spend on real estate. That proves what you said on your call." That was pretty cool.
T – Then we got a news article on Friday night telling them they'd be int'l over the weekend. Then on Saturday we got news that their new PM would be introducing their GOI on a news broadcast to the world at 9:30 AM local Baghdad time. Then Sunday evening we got the info everything was recorded in the Gazette and we'd see the intro in the AM (this morning). He did do a speech this morning. Anyway, remember the movie "Vantage Point" where 8 different people saw the same event from 8 different angles? Well, he did the speech this morning and we got texts from around the world. And they all had different interpretations of that speech. They're all intel-people but they all got something different.
T – Each one of these guys saw and heard something different. But they know it did in fact happen like they said it would. We thought it was great. Right now there is another public announcement scheduled for Wednesday morning. They put out in their news that Parliament wasn't coming back until 9/2, but the fact is Parliament is there right now. They are finshing up the minor ministers (health, fish & game, etc.). They announced they had a completed GOI over the weekend. Why say is over the weekened and then not do it? They broadcast it everywhere. Why would people say he's doing it again on Wednesday but in more detail? That doesn't make sense.
T – We know that celebrations scheduled last week for this week are still on the schedule. It's kind of a confusing time with info about what was and wasn't done. The biggest reason we know of right now is security. The people over there definitely know their cards are int'l. People here are seeing money in their accounts. They can see the rates. They got their back-pay.
T – Over here, our bank people over the weekend worked with skeleton crews. Security for the RV are in place, including part-timers. Not that anything will happen today – or maybe it will. Just got some info from Iraq. It's great info. I'm going to try and be diplomatic. This week could still be a great week for all of us.
T – Things are scheduled for here, people are in place. It was really quiet this weekend. There were some things that I didn't comment on. They changed some procedures to keep things quieter. But they started getting out towards the end of the weekend, so I didn't comment on them. I didn't want to be blamed for stopping it. Nothing was supposed to happen on Friday/Saturday anyway.
C – Is the Sept. 2 date and the "bail-in" related to the RV? I really don't understand it and there was talk on the blogs that could be a delaying factor due to the banking industry.
T – There's no reason for it to wait. People are looking for excuses
C – Are you telling us that people in our gov't and UST are hearing a different story when the PM made the announcement?
T – We had people watching the TV, reading the scripts, etc. and they all had different versions.
C – You and DC said once the GOI was seated and announced there would be nothing holding us back.
T – There are gov't people saying that announcement was a "teaser" announcement and the real one is coming on Wednesday. Others are saying it's in the Gazette and over and done with.
C – So, all the people who cashed out earlier (F&F, politicians, etc.) have they all gotten cleared deposits?
T – I don't know. There are a bunch of people still waiting who got their rate and they're waiting on their balances. We are at the tale-end, which is a good thing. They're running out of reasons.
C – Do we now have to wait until Wednesday to see what happens?
T – No, the next thing is scheduled for Wednesday but that doesn't mean we have to wait until then. I'm giving you a lot of info – you just have to think about it.
C – As I understand it, the only way the RV is int'l is because of the Qi Cards?
T – Yes.
C – So, they are tied into the int'l VISA system. So, if an Iraqi citizen came to the USA and wanted to purchase something, they could use their Qi Card and the in-country rate loaded on their cards would be accepted for payment?
T – We had a guy here in the USA with his card and he couldn't use it months ago. Two weeks ago, when they were told they were going int'l, he came home and now he's able to use his card in Jordan and Germany. So we know it works there. As of Friday, somebody right here (CA), his money is in his account he wants to buy a house.
C – How does that VISA system work? There has to be coordination between central banks and smaller banks to honor the VISA/Qi Card transaction going all the way back thru the system to Iraq?
T – Yes, somewhere here that rate has to be honored. VISA has activated the int'l rate thru their cards and their system. If their system is plugged in/updated it can be used int'l. They could be freeing it up a few countries at a time.
C – I believe the US, more than anything else, is holding this up. How can the US hold up an entire global currency reset? There doesn't seem to be a group of people in authority who can say "enough is enough."
T – Countries all around the world owe the US and have for hundreds of years. They still want things from us and we use that as leverage to get things done, or not done. For example, if there are 10 people on a committee, you don't have to get 8 out of 10 on your side, just 3 to get a legitimate reason to do or not to do something. At some point, even those who stood by you say "enough is enough" and they have to ask if they want to pay the consequences for going against the USA. They threaten and call each others bluff.
T – At some point they must come to the realization they've gotten enough done to just do it and deal with what happens afterwards. We are waiting for all 8 to say "enough is enough." They are broadcasting it over there and somebody is going to have to make a decision. We are closer to that.
T – Everyone thinks this would be good for politics right now, but that would make the numbers great right now and maybe they want that for something else later. Politics of the other side could be holding it up, too.
C – I'm getting the feeling this isn't as imminent as we think. Am I correct?
T – No, you are incorrect. This could happen at any moment. Confusion is out there. I still think we are in the week time-frame. They did change procedures in DC for a reason. Announcement are being made…cards are activated…no more "PM Designate"… nothing is preventing this from happening. Full GOI is announced in the Gazette.
C – So this is imminent?
T – Absolutely.
C – I purchased ZIM in packs, 50's and 100's. and I have misplaced a whole pack of 100's. When I go into CE and I don't have the lost pack will I be penalized for not turning it in?
T – Yes, you will be penalized greatly, financially. You are going to the bank and then coming home and you will turn your house upside down to find it. Remove floorboards. Find it. When you have a yard sale or move you'll find it – LOL!
C – Who control of this thing now?
T – I can tell you that maybe the IMF/BIS has control over it, but they're still trying to do things in a cooperative way. At some point they're going to have to say "enough." There is a plan, if it comes down to it, to say "enough" and somebody else will step in. There is a plan, a time, and everybody is aware of it.
C – I guess we just have to keep a positive attitude.
T – The time for positive has come – Iraq has a new PM and inclusive GOI. They are making laws for everybody. Changes are occurring in Iraq and he's saying the right things to the right people.
T – All the excuses we've been hearing for the last 10 years are not good anymore. The truth is it should have gone on Friday. But that day there were too many people upset in Parliament because of the shootings that happened there.
C – If we take the contract rate and sign the NDA, and many of my friends already know I have this money, what happens when their friends talk about it?
T – Just don't discuss it anymore. I can't stop 250K people from knowing I have dinar to exchange. Right now you have the freedom to tell them anything you want them to know. I can't stop someone from asking me about something we talked about a month ago.
C – What's going on with the dong now?
T – The dong is waiting for the dinar.
C – Do you expect to see this before the end of the month?
T – Yes I do.
C – With all these these excuses, do you think we Dinarians might be one of the main reasons for the delay?
T – I don't think we are the main reason. There are some who don't want us to have this. But there are other reasons to do with security, bad people having so much money, and issues about our economy. They are truing to put it off until they can put those things in place. Earlier in the year that was a major issue.
C – The last 6 months we thought everything was ready.
T – Everything is ready. Every country has a chance to be the powerhouse and no one, including Maliki, wants to give that up. There are things going on in the IMF, with the five new mini-IMF's. Two major things are going to occur: the USD's value and purpose around the world will change. It has to in order to let others to come up. But there has to be a plan for the next 5-6+ years for future growth. There is a lot of economics involved with this. People involved in this 10 years ago are not the same people involved now. Plus, the change to Basil III will change things. So they are dealing with a lot of issues. There are 350M Americans not involved in this, so it's not all about us. We have to look at it logically like they do. With all this money we will definitely have some influence out on the street.
C – How much longer can this bubble last until it bursts?
T – Not much longer. Iraq is making it very public. Soon everyone else will be saying "what are you waiting for? Where is it?" Now they know. Everybody is learning a lesson.
C – What would be the repercussions for us if the rest of the world pulled the trigger without us?
T – It could be just the int'l rate and no contract rate. But a lot of people think if that happens the USA will acquiesce and deal with the consequences later. But there will be negotiating at the highest levels.
C – So, in your opinion, how much longer can this go?
T – It's not up to the USA. It's when everyone else says "enough is enough." We are close to the end. Iraq is showing it in public with their announcements that they are about to do something one way or another.
C – Is the Rupiah in the 1st basket? Rate?
T – Yes, it's in the 1st basket and the same rate I've heard for the last 2 years.
C – If illegal aliens in the USA have been here 6 months or longer, can they get the contract rate?
T – Yes, if they've been here at least 6 months and are documents.
** …and are documented.
C – Will you be getting info about the caps to share on your post-RV call?
T – I think we should get it but I don't know if we will. I don't think they will boot you out of a meeting if you change the amount you want to exchange. They people you're dealing with are just like you and me – they have a job to do and want to get us thru quickly. As DC says, it's going to be like a cattle chute.
C – Are we still going to go thru the same time as the Admiral and other groups?
T – I think we'll all go at the same time. All dinarians – people like us on the internet – will go thru first. The other 4-5M people will not get the word right away. We've been told "you better go and get yours done before you start hollering to the heavens." Take care of yourself first.
C – Are all banks going to be ready to go at the same time with contract rates?
T – Banks were upset at one time that one bank was getting it all, so they definitely had to make a change. There are a couple different scenarios and we're not sure of the details yet.
C – Is part of the problem that we have a different administration and party in charge than when this first was started?
T – The current administration definitely thinks differently in how this should have come about. So there have been a lot of changes along the way. It was supposed to be in and out before we even knew what happened.
C – If they didn't want us involved couldn't they have stopped us?
T – They could have written a law or something.
C – I don't think the previous administration didn't want us to be involved.
T – How many people actually got engaged in the Kuwait revaluation? Even if we did get involved they thought the numbers would be so small. But now the numbers are so great it worked to their advantage. They wrote the law so we could invest in Iraq like Iraqi citizens. And they included all these Fortune 500 companies so they could invest in the country. No one knew it was going to take 10 years.
C – The new Admin stalled it so long that even more people got in.
T – Right, I agree. They wrote the law and included us. But they never thought we'd find out.
T – Banks were starting to believe it would not happen at all and they stopped selling. They were pretty smart doing what they did, because of the new administration.
C – On the 1st day of the exchange is there a maximum amount you can get in certified checks?
T – I don't think there is a max. But they want you to use checks and credit cards vs. cash. The wire limit is $500K in the 1st 30 days.
C – Since some have gone before us do you think we need to hurry before it's all gone? Or can we get our ducks in a row for a few days?
T – "Who Moved My Cheese" plays into the answer. This is going to be a global event and the int'l rate will change. Hedge funds will get in, those who didn't believe it, etc. will immediately jump in and you have no idea what affect that will have on this.
C – We want to hear what the packages are before going to the banks.
T – Right, we think it would be great if you could read the NDA first. I don't think you'll lose much by not being the first mouse.
C -If all the other countries go, will we still be able to exchange at the int'l rate?
T – You can still go outside the country whenever you want and exchange.
C – We have lots we want to do for our families.
T – I agree with you and know where the frustration is. We all want to get paid and make sure we don't get excluded. If their sole purpose is to not pay us we would have a whole different approach than we do today. But as long as there is another issue, we don't want to sacrifice people to no end. Just hold on. Don't sell that dinar.
C – You've used the analogy that the 1st mouse gets the trap, the 2nd mouse gets the cheese, and the 3rd mouse gets the cheese factory. But you've also said most of us should get in the 1st 3 days. That sounds like a trap to me. T – I've always said don't be the 1st mouse. There is a time frame involved, but it's not the first hour. That whole scenario applies to those taking the int'l rate, not contract rates. I'm hoping they're referring to us taking the contract rate in the 1st 3 days. I don't know the scenario. I hope I can answer questions if I'm not under NDA. We will have lots of conversations.
C – We have a fear of loss. We want to get in and get it done so we don't lose. They could flip on the switch, see some crazy people, then turn it off again.
T – We all know it's been on for hours and then got turned off again. Once Iraq announces it, it will be on forever.
C – Is there a possibility the 800#s will be jammed and we won't be able to get through?
T – No, they have 5 call centers so it will be okay. We are their concern before they tell the other 4-5M people. They want a slow rollout and get us through before the other 4-5M start.
C – Randy Koonce says we won't need an 800#, that we can just walk in a bank?
T – How can you go to your bank if it's not an exchange bank. Having tons of people coming out of a bank doesn't make sense as it could send a false signal there is a run on the bank.
RECAP: It was a promising weekend and everything we were looking for happened – with the exception of sending you to the bank today. A lot of people believed the announcement at 9:30AM was enough. Everything was put in the Gazette on Sunday. We know this could go at any moment. We know celebrations were scheduled and the schedule has not changed. Things are on track. I'm happy. But there still are some negatives out there trying to stop this. In their minds they want to accomplish something else. But we all hope they will get together and say everything can be accomplished even after the fact. We are all frustrated. It's just that close. The numbers are still unbelievable. The timing is. Today's the 25th and there are only 6 days left in the month. It can't go that far – I don't think it will go to the end of the month.


text:
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text:
It's actually a blog belong to Charlz's lovely gf, Ms. Zwei! Hehe~ She's super-creative sebab sangat pandai membuat kad. With her creativity, now created Paperer's Card!
From its color, texture and detailing, you can't deny how beautiful these cards are crafted.
It's all hand-made, so the quality is top-notched!
Plus, with an affordable price (Heck, most people will consider it's extremely reasonable dalam bisnes kad-kad haand-made nih!) you definitely will be hooked to it!
Be the first to see and keep coming back, cos believe me, there's more to come!
Neat aren't they? So lawatlah blog Paperer's Card nih and bookmark it! Kalau-kalau nak tempah kad untuk BF ke, famili ke, kawan-kawan ke, kan senang?
Love it!
Friday, June 5, 2009
Cantik kan kad-kad nih? (Paperer's Cards)
8 comments:
- marjeena said...
wow. nymq..
kamu telah melinkkan blog fs saya di sini~~
- June 6, 2009 at 2:49 PM
- nisha said...
wah..nice2...gile kreatif
- June 7, 2009 at 4:35 AM
- Drum Kit said...
pergh kreatif la!!!
- June 7, 2009 at 10:55 PM
- AlexAlabasta said...
Yup, Belle! Happy blogging!
Yup, mmg kreatif bangat! So, ape lagi? Tempahla kalo nak! Haha~
- June 8, 2009 at 12:04 AM
- Charlz said...
Hohoho! Nyamouq~ x sangka hg berkenan sgt ngn hasil2 keje gf ak :P
- June 9, 2009 at 8:03 AM
- John Emmanuel Edmund said...
wa nqmouq.. promo ar.. not bad.. aku pun nk promo gak ar.. haha..
- June 9, 2009 at 8:33 AM
- Charlz said...
This post is already linked to the main blog as Customer Testimonial :P haha
- June 9, 2009 at 8:37 AM
- AlexAlabasta said...
Ala, Charlz~ malunye I, x jd customer lg pon nih~ Mayb later, its coming~
Sile2 John! Haha!
- June 9, 2009 at 7:35 PM
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Office Supplies Manchester
Office Supplies Manchester
Manchester's office supplies specialists – same day / next day delivery all over the city and beyond.
Office Supplies On Time.
Being based in Greater Manchester since 2002, Octopus know Manchester very well. We deliver into Manchester City Centre every single day. If you need an urgent delivery of office supplies and you are based in Manchester, we are the best people to call. We stock almost everything you might need in an office, whether it is inks and toner cartridges or office paper or envelopes. We will probably be your nearest stockist. Office supplies Manchester? – Not a problem.
Office Supplies Same Day
As Octopus have vans delivering around Manchester all day, so we can often react quickly if one of our customers need some office supplies in Manchester the same day. We can re-route our van and get our customers up and running if they should run out of their essential office supplies.
Office Supplies Next Day
Our normal delivery schedule for office supplies deliveries is to despatch them on a next day basis. This means if you place an order, either online or by phone it will be delivered the next working day. As always though, if there is any office supplies emergency and you are based in the Manchester area, we will try and supply it the same day.
Office Supplies One Stop Shop
Octopus can supply everything for your office, from paper, envelopes, printer supplies, presentation equipment and packaging supplies. Whatever supplies your business uses, there is a good chance that Octopus can supply it. Some of our customers buy all of their office requirements from Octopus, including tea, coffee, business gifts and office furniture. They know that they can trust us to supply the right products at the right price. Almost every business in Manchester has a printer or photocopier and so printer cartridges are an essential part of the office supplies offering. We stock cartridges for all printers, fax machines and most photocopiers. This includes Brother, Hewlett Packard, Kyocera, Lexmark, Dell, Minolta, Oki, Philips, Panasonic, Canon, Ricoh, Samsung, Epson and Xerox.
Office Supplies Credit Account
Octopus offer 30 day credit account facilities to some businesses in the Greater Manchester, so that regular users of office supplies can order without having to raise a cheque or make credit card payment every time they order stationery. Just register here and we will send you a credit application form to complete.
Need office supplies Manchester, just give Octopus a call.
Submit your review


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Have you ever wondered what is spinning class? When referred to as the exercise, spinning is a well-known and registered trademark name generically called indoor, stationary cycling. In 1987, Johnny G established this high intensity class and various spinning exercises have sprung up across the world, mostly in USA. Even though gyms and other fitness facilities refer these classes by different names, most usually offer similar exercises.
A gym instructor leads the 45 to 60 minutes spinning class, usually to a motivating music. A participant ride on especially designed stationary bike and is capable of controlling the level of difficulty, or his/her own resistance.
Instructors may take the spinning exercises on an imaginary ride – describing changing scenery like flat roads or mountains. Other instructors may encourage these classes through different cycling techniques. The music often inspires participants to exercise towards a better, high-level of fitness.
Different Types of Spinning Classes
- Cycology – this is a class for simulating terrain cycling. In this workout, you sprint in the flats, break away from the pelotons and ride over hills.
- I.C.E Mambo – the essence of this spinning class revolves around previous pop music. It is for burning calories.
- Ice Circuit – this 60-minute exercise combines both resistance and cardio training. It involves a series of exercises, especially the upper body while on the bicycle.
- Interval Ride – it improves performance and fitness within the shortest time possible. It is the perfect spinning class for experienced indoor cyclists.
- I.C.E (I, II, III) – there are three categories in this class. I.C.E I exercise involves those participants who are looking for strong foundation in bike set-up and cycling technique. I.C.E II is a perfect exercise for burning excess fat from the body. Lastly, I.C.E III requires you to have had enough training with the first two classes before attempting it.
What to Expect In an Indoor-Cycling Class
There are some things that you should do when trying these classes and here are some of them:
- Be on time for the first class – if it is your first time, it is good to ask the fitness instructor to help you set-up the stationary bike. The handlebar and set heights need to be properly adjusted, together with the distance between handlebars and the seat.
- Do not overwork yourself – It is also important to avoid competing with others. A good instructor will guide you as a beginner until you are quite comfortable with all the techniques involved in a spinning class. With time, you will get used to it and start working extra harder.
- The instructor should also review proper form for every participant of a spinning class. So, ask your instructor to review the perfect form. Do not lean on the bike's handlebars as this may put a lot of pressure on your wrists and shoulders.
- Make sure you have a bottle of cold and a towel with you while in a spinning lesson – you will definitely sweat a lot.
- Do not forget to wear protective clothing – e.g. bike shorts and gloves.
Conclusively, while spinning classes are offered at most gyms and fitness clubs, you can also buy a spinning bike to use at your home.


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|June 1, 2014
|Posted by V under friends, loves it, music, tv
Lately I have been experiencing extreme sadness at times. About 2 weeks ago I was at my BFFs house talking with her and I broke down in tears. For about 7 years I have been praying for my husband. Not a husband, because that would be settling, and I don't settle. The. One. The one that was meant for me.
That's only a portion of the sadness, really. There are so many changes that I want to happen in my life, but timing is such a bitch. In a lot of ways, there is nothing I can do. I can't will it to me. I have to actually have patience.
Story. Of. My. Life……
A friend of mine once told me that LA was my city. He said it was me wrapped into a city. I never really understood what he meant by that.
Last night I was catching up on my DVR and I decided I should watch the iHeartRadio Music Awards. Jared Leto's band, 30 Seconds to Mars performed "City of Angels". It was late and I thought pausing it before his song would be a good stopping point so I could head to bed. For some reason I decided to watch it.
After watching, I understood what my friend meant.
LA does seem like my city. For some reason it makes me hopeful and a little less sad. Isn't it crazy how music can do that?


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About Brian, ADN
Brian, ADN 197,983 Views
Joined: Mar 22, '98;
Posts: 15,418 (24% Liked)
; Likes: 16,398
allnurses.com founder; from US
Specialty: 18+ year(s) of experience in CCU, Geriatrics, Critical Care, Tele
"Be the type of nurse you want to work with" - Brian Short RN
Several years experience in CCU, Geriatrics, Long Term Acute Care, Telemetry. I started a hobby nursing website while I was in nursing school, way back in 1994, which has progressed its way into what allnurses.com is today.
"Be the type of nurse you want to work with" - Brian Short RN, founder of allnurses.com
Posts: 15,418 (24% Liked) Likes: 16,398
Personal Information
- Education
- Occupation
- allnurses.com founder
- Location:
- Specialty
- CCU, Geriatrics, Critical Care, Tele
- Experience
- 18+ years
- Interests
- Spending time with my family, Social Networking, Computers, latest technology, iphone geek, traveling, scuba diving, underwater videography and photography, Fantasy Football, sports
Most Active Topics (past 180 days; 20 max)
Sorry, no topics created in the past 180 days. View Brian's past activity


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"We Buy Cars & Trucks". *Used Auto & Truck Parts
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we buy cars & trucks. Automobile Repair & Service, Automobile Diagnostic Services, Automobile Parts
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text: Once our analysis is complete, we then rank each company's performance. We rate the companies using a pre-designed formula that looks at how well they adhere to the qualities that students, in their reviews, say are most critical to them. After rating the writing companies against these qualities, we rank them according to their performance on a numerical score. The ranking process generates a list of the best writing services featuring at the top. With this information, students can be able to identify the most reputable writing services that they can trust to produce the quality of outputs they need. We publish these reports on this website so that students can find and use them to inform their choice of writing services.


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Babe's Grill House + Lounge
Blue Bird Inn
Corvette Grille & Bar
Downtown Lounge
Foundry Craft Grillery
Hidden Still Spirits
Lebanon, PA – Opening August 2015! As Lebanon County's first craft distillery since prohibition, we plan on producing small batch, distinctive distilled spirits using high quality ingredients. The Distillery and Tasting room is located in the heart Lebanon. Enjoy innovative cocktails and great customer service in a sophisticated setting.
Moose's LZ Bar and Grill
Porch Restaurant and Pub
Snitz Creek Brewery
Swatara Coffee Co.
The Gin Mill
The Hideaway
Mt. Gretna, PA – The Hideaway prides itself on a full menu of fresh foods, wine by the glass, a great selection of domestic, import and microbrew beers and a full selection of cocktails. We are dedicated to always remaining a local bar & restaurant that delivers unforgettable experiences to every guest.


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We accept payments through cash or card, either over the phone or in our main office.
To book your Holiday or Day Trip, please call our team on: 0114 287 2622.
This is depending on the nature and time period of your request.
Please contact our team directly on: 0114 287 2622 and we'll be happy to help.
Customer Services
If a problem arises on holiday or a day trip your first port of call is your driver. We feel this is the quickest and easiest way to remedy a situation there and then as oppose to trying to remedy it when you have returned.
Customer satisfaction is our number one priority and we'd like to make sure you're completely happy with our service.
Office Hours:
Monday: to Friday 9am – 12.30pm / 1.30pm – 5pm
Saturday: 9am – 3pm (April – October)
Pickup Points
Doncaster Bus Station 7.10am
Worksop 7.40am
Dinnington Bus Station 8.00am
Maxfields Garage 8.15am
Rotherham Bus Station 8.50am
Sheffield, Pond Hill 9.15am
Dronfield, Green Lane 9.30am
Chesterfield Bus Station 10.00am
Dinnington Bus Station 6.00am
Worksop 6.15am
Chesterfield Bus Station 6.45am
Dronfield, Green Lane 6.55am
Sheffield, Pond Hill 7.30am
Maxfields Garage 7.50am
Rotherham Bus Station 8.10am
Doncaster Bus Station 8.40am
Wales, Blackpool,
Scarborough & Llandudno
Worksop 8.30am
Chesterfield Bus Station 9.00am
Dronfield, Green Lane 9.10am
Sheffield, Pond Hill 9.40am
Maxfields Garage 10.00am
Dinnington Bus Station 10.20am
Rotherham Bus Station 10.40am
Doncaster Bus Station 11.10am
Maxfield Travel offer the option to purchase travel insurance for your trip. If you choose to purchase this insurance, the premiums (all are inclusive of Insurance Premium Tax) are as follows;
3 Days £18.00
4 Days £20.00
5 Days £25.00
6 Days £26.00
7 Days £27.00
8 Days £29.00
Jersey £35.00
J.A. Maxfield & Son Limited trading as Maxfields Travel is an appointed representative of ITC Compliance Limited which is authorised and regulated by the Financial Conduct Authority (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts.


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Satin White, Pure Charmeuse Silk, Boyfriend Shirt
Designer: CAMIXA
Spoil yourself with this lustrous satin crepe silk that drapes beautifully
- BREATHABLE 100% Charmeuse Silk. Odor and wrinkle resistant
- RELAXED FIT – Loose, Boyfriend Style (check our size chart, you won't go wrong). Size up for a slouchy look or go for your size for a work outfit. Model measurements in Description. All the photos are taken with an original Camixa shirt
- DETAILS THAT WILL GET NOTICED – Sturdy freshwater Mother of pearl buttons, Long sleeves with two button barrel cuffs, to adjust wrist fit -Roll them up for a cool laid back style; one pocket, curved hem.
Cut from fluid satin crepe silk in a loose silhouette this luscious boyfriend style shirt will bring an airiness to corporate dressing and charme to casual-wear. The versatile Black tone makes it easy to match to anything in your wardrobe.
Crafted in a weightless, shiny and incredibly soft and smooth charmeuse silk, this closet essential is cut in a relaxed fit. The slightly loose shape means it works for styling in smart or more casual ways. Undo a few buttons to enhance its relaxed feel. Attention to detail - mother-of-pearl buttons and feminine small collar.
Play with texture and team yours with heritage tailoring or love-worn denim pants.
Satin Crepe Silk: often called the "Ferrari" of silks, Silk Charmeuse, known also as Crepe Back Silk Satin (or crepe satin), has softly muted crepe / rough feel on one side and the classic shiny shimmery satin on the other. It has a supple hand, luxurious drape, and a super soft and smooth touch. Care: Cold hand washed, dry in shade, No tumble-drying.
How to find your perfect size:
Customer Reviews
These are Beautiful blouses. I normally take a large as a size 12 to 14, but I have had a history of online shirts being way too small, usually when they come direct from China which I thought maybe these Would. So I bought an XXL and of course it was too big but not by that much. Since the blouse was so beautiful I returned it and ordered another one that was just XL and that seemed right maybe a tad too big but the large probably would've been too small. Anyhow I don't think these shirts come from China directly and they really are so nice that I ordered two more so now I have three. It's a real good quality silk for the money and for many other brands this kind of blouse would cost $300. I would probably get another one if they had different colors.
These folks are some of the few these days who still remember what good customer service is all about. From the item descriptions, size guides and fitting suggestions to their clear and frequent communications before, during and after the sale, everyone was simply top notch. Plus they added thoughtful touches, like fabric care and washing guides for their products. And that's just the service. The silk blouse I ordered fit my wife just perfectly (thanks to following their clear and helpful suggestions) and it instantly became a favorite of hers....and mine! The color and fabric are extremely sensuous and the shirt looks absolutely fabulous on her. I will certainly be coming back to CAMIXA again and again!
Fast shipping! Love the shirt
I like silk shirts but it's hard to find a quality garment made for men. This shirt fits well and the fabric is perfect. It feels great and looks good. The boyfriend style makes it possible to wear and not look strange. I'm going to get the grey next.
Got the shirt yesterday and it fits well and the fabric is just what I wanted. I like silk shirts and sometimes buy women's items because I'm unable to find them otherwise. I'm going to have it dry cleaned though because it was extremely wrinkled when it arrived. Will probably buy more from Camixa.


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Attorney Elizabeth Roble, a member of the New York bar, recently received her formal admission to the Colorado Bar. She was sworn in by Judge Michael O'Hara, the Chief Judge of the 14th Judicial District in Colorado.
The official blog by the law office team of KT Law in Steamboat Springs, CO. Insights and anectdotes on and off the subject of law.
Attorney Elizabeth Roble, a member of the New York bar, recently received her formal admission to the Colorado Bar. She was sworn in by Judge Michael O'Hara, the Chief Judge of the 14th Judicial District in Colorado.
Steamboat Pilot, May 14, 1992
By Ed Miller and Deborah Ward
At a meeting of home builders, local attorney rich Tremaine pointed out that one of the major problems we face, as builders or homeowners, is that when we listen to the other side we tend to focus on our own interest.
For example, the contractor asks, "Am I going to be paid on Friday?"
The homeowner responds, "Are you working on Saturday?"
Any time a homeowner sets out to complete a remodeling project and hires professional help, communication is the key to a successful business relationship.
One of the best ways to ensure a positive experience is to talk with the contractor, and then put your final agreement in writing. although many homeowners may be intimidated by the legal sound of the word "contact" it is always a good idea to write one.
That doesn't mean anyone hiring a contractor, even for a minor project, must also hire an attorney. Contracts can be simple statements of a verbal agreement between a homeowner and a contractor.
Steamboat Springs attorney Rich Tremaine shared his observations with the builders about contracts and communications. Much of what he told the group is applicable to contracts for home-improvement projects, too. Writer Ed Miller summarized Tremaine's remarks at the meeting. With permission of Muir's Original Log Home Guide, Fall 1991 Edition, a summary is reprinted for the readers of our 1992 Home Improvement Guide.
Any written home building contract needs to address the following provisions:
1. Documents- There may be many documents in the course of a building project, including blue prints, construction manuals, specification sheets, zoning restrictions, etc. These define the scope of the work.
2.Concealed Conditions- There are situations where information is simply incomplete at the time of contract preparation. For example, underground rock formations can cause construction costs to rise considerably.
3. Schedule- This is simply states in calendar time, the target dates for completion time of the project. Without getting lengthy on the subject, be aware that the benefits of finishing on time are generally realized by both the buyer and the builder. Delays can be caused by either party and I'd have to say that it's evenly split. Invariably, the best course is get it right the first time, a re-do later is usually more costly in terms of the time and money.
4. Payment- It is necessary to establish the amounts to be paid, the frequency of the payments and the objectives which warrant payments. Clauses which may stop payment of the work should be clearly defined. Both the owner and builder must respect the fact that the owner may be operating with high interest construction loan and the builder may be operating on a tight cash flow.
5. Changes in work- Almost invariably, changes take place during the course of construction. Frequently, contracts for the projects fail to address this adequately.
6. Dispute Resolution- Provisions should be made to resolve differences that might arise between parties. This should also cover the site of arbitration and how costs for arbitration are to be handled.
7. Responsibility for and to the Subcontractors- Often, in a building project, owners and builders split the responsibility for hiring, firing, and paying subcontractors such as carpenters, plumbers, heating and air conditioning people, electricians, etc. This is a sticky situation if some of the subs happen to be relatives of the buyer.
8.Warranty- Like it or not, the builder legally assumes the liability for a construction project, weather the contract is in writing or not. It's best to not only define the conditions but also to attach stipulated time limits to the warranty.
9. Insurance- This defines the responsibility and the amount of coverage for personal liability, property damage, material loss and workmen's comprehensive insurance during the course of the project. the homeowner will inevitably absorb these costs, but the coverage needs to be indicated.
©2011-2014 - KT Law, Steamboat Springs, CO
Visit our law office website at www.ktlaw.com