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Trust is critical to establishing good relationships with clients, but thanks to a painful financial crisis and countless scandals, the financial industry has long suffered a trust deficit. So what's an advisor to do? Talk about it, experts say.
Discussing ethics with your client at the outset can help develop a trusting relationship. While most financial professionals follow some code of ethics, many clients don't actually know what those are, says Tom Robinson, a managing director at CFA Institute.
"Certainly there are some people out there -- as evidenced by the financial crisis the past few years -- that behave improperly," Robinson says. "It's important for clients to know that their interests are first, and that's their right."
In an effort to provide retail investors with a framework to understand what they "are entitled to expect from financial service providers," the CFA Institute recently released its "Statement of Investor Rights."
According to the CFA Institute, investors have a right to:
- Honest, competent, and ethical conduct that complies with applicable law;
- Independent and objective advice and assistance based on informed analysis, prudent judgment and diligent effort;
- My financial interests taking precedence over those of the professional and the organization;
- Fair treatment with respect to other clients;
- Disclosure of any existing or potential conflicts of interest in providing products or services to me;
- An understanding of my circumstances, so that any advice provided is suitable and based on my financial objectives and constraints;
- Clear, accurate, complete, and timely communications that use plain language and are presented in a format that conveys the information effectively;
- An explanation of all fees and costs charged to me, and information showing these expenses to be fair and reasonable;
- Confidentiality of my information;
- Appropriate and complete records to support the work done on my behalf.
Most advisors know these rules, Robinson says, but clients are not always aware of what codes and standards their financial advisors follow. Not all advisors are legally obligated to adhere to a fiduciary standard, but no matter what, it's important to let your clients know where you stand.
Mitch Kraskin, chief executive and co-founder of Compliance Science, a New York-based provider of compliance technology, says that sitting down with clients and having a discussion about their rights is necessary to build trust. Talking about the ethics you follow both at the start of the relationship and periodically throughout can help reinforce trust, he says.
"It would be a healthy dialogue for the investment professional to talk to the investor," Kraskin says. "It sets a good tone for how the rep is going to be positioned. Whether it's the firm's code of ethics and conduct or the CFA's, nothing should be undisclosed."
That said, Kraskin argues that the onus is on the client to ask questions until they are sure they understand what services their advisor is going to provide them.
"You can't lay all the responsibility on the representative," says Kraskin. "I recommend that all of the parties involved in this relationship participate in the discussion."
Part of helping your clients understand their rights is making sure they feel comfortable asking questions, says Mag Black-Scott, chief executive and president of Beverly Hills Capital Management. "Some people -- especially higher up people --are embarrassed to say they don't know the difference between a stock and a rock. You need to make sure they don't feel embarrassed when they come to you," she says.
Advisors should do what they can to help clients communicate what they need and make sure they don't feel embarrassed if there's something they don't understand, Black-Scott says. "You have to help the client verbalize what it is that they're looking for."
Being too nervous can lead to serious misunderstanding. Black-Scott urges advisors to put themselves in clients' shoes to avoid responding in a way that makes clients feel foolish when they don't understand. "We don't teach people in school what to do with money when they earn it. Sometimes questions sound naïve, but it doesn't matter," she says.
When engaging in open discussions with clients, don't be embarrassed by the fees you charge, advisors say. Paul Saganey, a CFP and president and founder of Integrated Financial Partners, a fee-based financial services firm in Waltham, Mass., teaches a class that helps financial advisors validatetheir fees.
If you're providing clients with the right amount of disclosure, they're going to see the fee whether or not you discuss it, he tells advisors. "If you try to sneak through it, clients will see that," Saganey says. "Show the fee to them. Lay it out in detail and you'll avoid frustration or nervousness from your clients. Have the discussion upfront before you implement the financial planning. Be proactive, not reactive."
It's also good to own the fee -- know that your fee reflects the work that you do. "I don't think in this industry we should be bashful or ashamed of earning a good living," says Joel Johnson, a CFP and managing partner of Johnson Brunetti, an independent retirement planning firm in Connecticut. "If someone asks about fees, chances are [you] should have said it upfront."
Being honest about your disciplinary history is a good idea, too. If you have any marks on your record with FINRA or the SEC, don't be afraid to explain if a client asks you about it.
"Be open about it. Don't tell people upfront but don't be bashful about that," Johnson adds. "I don't think clients expect us to be perfect."
In many cases, the history behind disciplinary marks or complaints is less complicated than it may appear to a client surfing BrokerCheck. Thomas B. Lewis, a civil trial attorney with Stevens & Lee in Lawrenceville, N.J., says it makes "abundant sense" to discuss marks on your record that can be readily explained.
"In these cases, it might be prudent to bring it up with your client even before they ask. Be aware of the fact that it is likely that potential clients will look you up before starting the relationship," he says.
Lewis adds that discussing your disciplinary history with clients upfront can prevent them from taking their business elsewhere after a preliminary internet search. "Some advisors may say why bring it up if it's negative? I think it would have the opposite effect. The client is going to say 'This person is being upfront and honest with me, and I like that."
However, don't be afraid to be judicious about which marks you discuss. Some may not be the best to bring up initially, he says. Ask yourself, "Can I explain this to my client in a way that makes sense?" If the answer is yes, a little honesty may go a long way.
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text:
Dear all,
I am a new member here and you can say a enthusiatic and porspective new entrant to the farming community.
I am very keen in starting in a small business in growing exotic greens in polytunnels. However, I am trouble finding any details on how to go about renting a small plot of land to commence the venture, prices, types of leases etc. My initial aim is to build two commercial polutunnels and see how it progresses.
My online searches have brought me to this forum.
I would be very grateful for any help.
Kind regards,
J Sepersad

subset: commoncrawl


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St. Louis man acquitted in shooting death of neighbor
ST. LOUIS (AP) — A Missouri jury has cleared a man in the 2013 shooting death of a neighbor whose body was found in her car's truck in Illinois nearly a month after she went missing.
The St. Louis Post-Dispatch (http://bit.ly/29UDOCy ) reports that jurors deliberated about two hours before acquitting 42-year-old Glynn Smith of first-degree murder and armed criminal action counts.
Smith was accused of killing 50-year-old Sybil Ann Brandon in Smith's apartment in November 2013 after a night of partying. Brandon's body was found 25 days later in her abandoned car's trunk in Madison, Illinois.
The newspaper reports that the prosecution's case hinged heavily on testimony of Clarence Hill, who told jurors he was an alcoholic, homeless and sometimes struggled to remember things.


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The 74th edition of the awards hosted by Hollywood Foreign Press Association, the Golden Globes, are taking place tonight Sunday, January 8th 2017 at the Beverly Hilton Hotel in Beverly Hills, Los Angeles. Eddie had been a nominee in the past two editions and despite not being nominated this year, he is one of the attendees as he will be one of the presenters during the ceremony.
The ceremony will be hosted by Jimmy Fallon and will be aired live on NBC from 5-8pm PT / 8-11pm ET or accordingly, 10pm to 1am UK time.
Happy 35th Birthday Eddie – fan led ...
BAFTAs 2017
Feb 12, 17 Ana says:
I watched "The Danish Girl" last month. Thanks to you the whole cast, director… the movie is perfect!
It has been a long time I don't watch a movie that I classify as 'perfect". lol
Great photography, great and beautiful actors – Gerda is incredibly beautiful and talented…
I'm saving the movie for next month because I must have watched it 5 times.
I'm also watching "The Lady in the Van" because Maggie Smith is fantastic in this movie. Perfect!
Just wanted to leave this comment even though Eddie have already listened so many times that…
You understood.
Good vibes from Brazil.
Mar 15, 17 C Pruitt says:
Just watched Fantastic Beasts. It was great and Eddie was perfect for the part. I hope if they ever make another odd Thomas, they will consider him for the part
Apr 16, 18 Julie Gill says:
Do you by any chance know when you'll be told if you've been given the part of Fagin in the remake of Oliver?
Best wishes,


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Vasari Singers
Vasari Singers conducted by Jeremy Backhouse, a former Canterbury Cathedral chorister. Jeremy is celebrating his 50 years of music making in the Cathedral with I Was Glad which will include choral works by Gibbons, Allegri, Parry and Dove and features Angus Benton, BBC Young Chorister of the Year.
Tickets £10, box office 0800 411 8881 or contact email@example.com, www.vasarisingers.org


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Sunday, April 3, 2011
4 comments:
- AnonymousApril 3, 2011 at 10:54 AM
Love C.S. Lewis! Following back from Mommy's Peanut Gallery :) Have a blessed Sunday!ReplyDelete
This comment has been removed by the author.ReplyDelete
God is doing something exciting concerning nutrition, and I am so glad to be apart of it! I love the purpose of this blog and the two quotes at the top from C.S Lewis and from proverbs; they are so true. I have children that have allergies or intolerances to certain foods, there are not enough places in Missouri that cater to people with multiple food allergies or intolerances. I have been inspired to do something about it, especially for our little ones. We need to form a group of mom's who are willing to come together and start a movement on raising major awareness on these issues.ReplyDelete
great post.love you might 2 save!:)ReplyDelete


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You may have the best possible strategy. However, the most common mistakes in trading happen due to poor decision-making process. Find out the best practices of Forex trading psychology and get practical tips on their implementation.
Besides the market knowledge, traders need to have a certain psychological profile to be successful in their career. Picture a person who has to take swift decisions and stick to the strategy, while showing as little emotion as possible. Most likely, this person doesn't even exist. However, this doesn't mean you can't achieve the same results - especially if you've got automated trading at your side. But let's take one thing at a time. The worst of the human emotions that will definitely mess up your trading is greed. When you make money, you want to make more money. This is human nature - we want to improve and greed is just our way of saying we can do better. Another strong emotion is fear - fear of success, failure, mistake and consequences. Fear can lead to bad decisions - from selling too early to buying too late. You may feel like fear will never go away, but here's where knowledge comes into play. The more information you have, the more trust you have in your strategy - and the calmer you can act.


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Yes, the Chargers briefly played in Los Angeles, but for the past 56 seasons they were San Diego's team. They never won a Super Bowl and reached only one – Super Bowl XXIX vs. the 49ers – but they had some spectacular talent, from the Air Coryell offense to Hall of Fame linebacker Junior Seau. The Chargers reached the playoffs only one time in the past seven seasons and fell to 5-11 in 2016, but quarterback Philip Rivers and his teammates had loyal fans to the end in San Diego. Many promise, however, they won't follow the Chargers north to Los Angeles.
Dean Spanos' 93-year-old father, Alex, still is listed as the owner, but he suffers from severe dementia. Dean, 66, runs the team and made this move happen. He is reviled in San Diego and has been called a traitor by fans. More than anything, Spanos was determined to improve the Chargers' stadium situation, since Qualcomm Stadium in Mission Valley clearly was outdated. When he couldn't reach an agreement in San Diego, he looked toward the Los Angeles area. Spanos exercised the option to move to L.A. his franchise was granted in 2016, when the Rams were granted permission to move from St. Louis.
2016 SEASON 5-11 record; last place in AFC West After a 1-1 start, they went 4-10 the rest of the way and missed the playoffs for the sixth time in seven seasons. Nine of their losses were by eight points or fewer, so they were in games long enough to break fans' hearts repeatedly, even before they left San Diego. They gave the Cleveland Browns their only victory in 2016.
BIGGEST ISSUE The Chargers gave the Rams a one-year head start in the effort to win over the local fan base, and now they're going to begin their effort in a stadium that will seat only 30,000. StubHub Center will be intimate, but if it's loaded with fans from the visiting team. the Chargers could be in for a long fight to gain support. Of course, winning could expedite the process.
WHAT'S NEXT No. 7 pick in April's draft 2017 home opponents: Denver, Kansas City, Oakland, Buffalo, Miami, Philadelphia, Washington, Cleveland 2017 road opponents: Denver, Kansas City, Oakland, New England, New York Jets, Dallas, New York Giants, Jacksonville
Sources: NFL; Pro Football Reference; The Associated Press Illustration by


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Joseph Prince, Pastor of New Creation Church in Singapore, is becoming extremely popular in the Word of Faith movement. His popularity comes because of his teaching on grace. Even Word of Faith heretic Creflo Dollar seems to be jumping on the grace wagon lately.
The problem with Prince is not his teaching on grace. He teaches correctly that it is only the work of Christ on our behalf that saves, not our works. He also makes it clear that the Law has no power to to make us holy. However, there are huge theological problems with his teaching. The main problem is that he teaches the heretical Prosperity Gospel, mixing Word of Faith Theology with grace. The Prosperity Gospel is a false gospel. So even though Prince is clear when it comes to the work of Christ for sinners, he teaches that because of Christ's work, the sinner is not only forgiven, accepted and loved by God, but is entitled, and should pursue health, wealth, and prosperity. This is heresy. This is mixing the Word of Faith prosperity heresy with the gospel. Not only is this a problem, but there are other theological problems with his teaching as well. Here are four that you need to be aware of.
1. The problem with repentance
In his book Destined to Reign Prince says this about repentance
"For all of you who feel that there should be more preaching on repentance, do you know what the word 'repent' means in the first place? The word 'repent' is the Greek word matanoeo, which according to Thayer's Greek Lexicon, simply means 'to change one's mind.' But because we have been influenced by our denominational background as well as our own religious upbringing, many of us have the impression that repentance is something that involves mourning and sorrow. However, that is not what the Word of God says. Repentance just means changing your mind."
Prince is not being honest with the Greek word metanoeo. Here are the Strong's definitions of the word
Greek Definition
g3341. μετάνοια metanoia; from 3340; (subjectively) compunction (for guilt, including reformation); by implication, reversal (of (another's) decision): — repentance.AV (24) – repentance 24;a change of mind, as it appears to one who repents, of a purpose he has formed or of something he has done
Notice the word compunction in the definition. Here is the English definition for compunction:
Webster -Compunction: a feeling of guilt or regret ( chiefly US)
Full Definition
1 a : anxiety arising from awareness of guilt b : distress of mind over an anticipated action or result 2 : a twinge of misgiving : scruple synonyms see penitence, qualm com·punc·tious -shəs adjective
So, to repent does not just simply mean "to change ones mind." There is much more to it than that. The word that Prince used in his above statement makes this even more clear.
Repent: metanoeo: "to think differently or afterwards to reconsider (morally feel compunction) To change ones mind. To change ones mind for the better, heartily to amend with abhorrence of ones past sins."
As you can see, this definition means more than simply "to change ones mind.
How did Christ define the Gospel?
Luke 24:45-47 Then he opened their minds to understand the Scriptures, and said to them, "Thus it is written, that the Christ should suffer and on the third day rise from the dead, and that repentance and forgiveness of sins should be proclaimed in his name to all nations, beginning from Jerusalem.
Christ makes it clear that repentance and the forgiveness of sins is to be preached. In other words, we must preach Law and Gospel. No one can be saved without repentance. A gospel without repentance is no gospel at all.
Examples of repentance from Scripture
Matthew 11:20-24 Then he began to denounce the cities where most of his mighty works had been done, because they did not repent. "Woe to you, Chorazin! Woe to you, Bethsaida! For if the mighty works done in you had been done in Tyre and Sidon, they would have repented long ago in sackcloth and ashes. But I tell you, it will be more bearable on the day of judgment for Tyre and Sidon than for you. And you, Capernaum, will you be exalted to heaven? You will be brought down to Hades. For if the mighty works done in you had been done in Sodom, it would have remained until this day. But I tell you that it will be more tolerable on the day of judgment for the land of Sodom than for you."
Acts 26:19-20 "Therefore, O King Agrippa, I was not disobedient to the heavenly vision, but declared first to those in Damascus, then in Jerusalem and throughout all the region of Judea, and also to the Gentiles, that they should repent and turn to God, performing deeds in keeping with their repentance.
Matthew 12:41 The men of Nineveh will rise up at the judgment with this generation and condemn it, for they repented at the preaching of Jonah, and behold, something greater than Jonah is here.
Acts 3:19 Repent therefore, and turn back, that your sins may be blotted out,
2 Corinthians 12:21 I fear that when I come again my God may humble me before you, and I may have to mourn over many of those who sinned earlier and have not repented of the impurity, sexual immorality, and sensuality that they have practiced.
Revelation 3:19 Those whom I love, I reprove and discipline, so be zealous and repent.
2. The problem with discipline
Joseph Prince says that Believers are never punished for their sins
"You will never find an example of God punishing a believer for his sins in the new covenant." ( chapter 5, p 57, Destined to Reign)
There is no tension between temporal and eternal punishment. The Scriptures speak of both. The eternal punishment for sins has been taken care of by Christ at the cross. However there are several examples of God's discipline of His children in the NT.
Examples from Scripture
Hebrews 12:5-6 And have you forgotten the exhortation that addresses you as sons? "My son, do not regard lightly the discipline of the Lord, nor be weary when reproved by him. For the Lord disciplines the one he loves, and chastises every son whom he receives."
"chastise" in the Greek means "to scourge"
Acts 5:3-6 But Peter said, "Ananias, why has Satan filled your heart to lie to the Holy Spirit and to keep back for yourself part of the proceeds of the land? While it remained unsold, did it not remain your own? And after it was sold, was it not at your disposal? Why is it that you have contrived this deed in your heart? You have not lied to man but to God." When Ananias heard these words, he fell down and breathed his last. And great fear came upon all who heard of it. The young men rose and wrapped him up and carried him out and buried him.
1 Corinthians 11:28-30 Let a person examine himself, then, and so eat of the bread and drink of the cup. For anyone who eats and drinks without discerning the body eats and drinks judgment on himself. That is why many of you are weak and ill, and some have died.
3. The problem with suffering
Being a Word of Faith teacher, Prince has made, and continues to make numerous statements about God's desire for Christians to be healthy.
The problem with this thinking is that Scripture is replete with passage that state the opposite. What about passages that actually promote suffering in the Christian life? There are also passages that speak of Christians suffering sickness.
Examples from Scripture
Suffering in general
Romans 8:16-17 The Spirit himself bears witness with our spirit that we are children of God, and if children, then heirs—heirs of God and fellow heirs with Christ, provided we suffer with him in order that we may also be glorified with him.
Philippians 1:29 For it has been granted to you that for the sake of Christ you should not only believe in him but also suffer for his sake,
James 1:2-4 Count it all joy, my brothers, when you meet trials of various kinds, for you know that the testing of your faith produces steadfastness. And let steadfastness have its full effect, that you may be perfect and complete, lacking in nothing.
1 Peter 2:20 For what credit is it if, when you sin and are beaten for it, you endure? But if when you do good and suffer for it you endure, this is a gracious thing in the sight of God.
1 Peter 4:19 Therefore let those who suffer according to God's will entrust their souls to a faithful Creator while doing good.
Revelation 2:10-11 Do not fear what you are about to suffer. Behold, the devil is about to throw some of you into prison, that you may be tested, and for ten days you will have tribulation. Be faithful unto death, and I will give you the crown of life. He who has an ear, let him hear what the Spirit says to the churches. The one who conquers will not be hurt by the second death.'
Suffering because of sickness
2 Timothy 4:20 Erastus remained at Corinth, and I left Trophimus, who was ill, at Miletus.
Why didn't Paul heal Trophimus? Is it not God's will that all of His people be healed?
1 Timothy 5:23 (No longer drink only water, but use a little wine for the sake of your stomach and your frequent ailments.)
Why didn't the Apostle Paul have someone lay hands on Timothy to heal him from his frequent ailments? Also notice Timothy's ailments were frequent.
Galatians 4:13-15 You know it was because of a bodily ailment that I preached the gospel to you at first, and though my condition was a trial to you, you did not scorn or despise me, but received me as an angel of God, as Christ Jesus. What then has become of your blessedness? For I testify to you that, if possible, you would have gouged out your eyes and given them to me.
Certainly of all people, the Apostle Paul could have healed his own "bodily ailment" right? Wasn't it his handkerchief that brought healing to the sick in Acts 19?
Acts 19:11-12. And God was doing extraordinary miracles by the hands of Paul, so that even handkerchiefs or aprons that had touched his skin were carried away to the sick, and their diseases left them and the evil spirits came out of them.
What about our brothers and sisters around the world suffering persecution
Dozens of Christians in the village of Attagara, Nigeria, were killed in two separate attacks carried out by Boko Haram militants on June 1 and 3. Militants dressing in army clothing shot and slashed people while bombing and burning homes. One of the assaults lasted for more than five hours.
4. The problem with money
In chapter one of Destined to Reign, Prince states that God calls His people to enjoy wealth.
"You are destined to reign in life. You are called by the Lord to be a success, to enjoy wealth, to enjoy health and to enjoy a life of victory. It is not the Lord's desire that you live a life of defeat, poverty, and failure."
This is heresy. The Bible is against storing up treasures on earth, and seeking worldly pleasure.
Examples from Scripture
1 Timothy 6:10 For the love of money is a root of all kinds of evils. It is through this craving that some have wandered away from the faith and pierced themselves with many pangs.
Hebrews 13:5 Keep your life free from love of money, and be content with what you have, for he has said, "I will never leave you nor forsake you."
1 Timothy 3:2-3 Therefore an overseer must be above reproach, the husband of one wife, sober-minded, self-controlled, respectable, hospitable, able to teach, not a drunkard, not violent but gentle, not quarrelsome, not a lover of money.
Matthew 6:19-21 Lay Up Treasures in Heaven "Do not lay up for yourselves treasures on earth, where moth and rust destroy and where thieves break in and steal, but lay up for yourselves treasures in heaven, where neither moth nor rust destroys and where thieves do not break in and steal. For where your treasure is, there your heart will be also.
Luke 12:15 And he said to them, "Take care, and be on your guard against all covetousness, for one's life does not consist in the abundance of his possessions."
Jude 1:11 Woe to them! For they walked in the way of Cain and abandoned themselves for the sake of gain to Balaam's error and perished in Korah's rebellion.
Keep in mind, Joseph Prince has no problem calling himself a Word of Faith preacher. Here are some of the heretical teachings of the Word of Faith movement.
1. Adam was created a little god.
2. God used the "force of faith" to create the universe, and continue to use the "force of faith" to accomplish His work on earth today.
3. Man sold his godhood to Satan when he fell, making Satan the god of this world.
4. Because of this God lost all control in the earth realm and is reliant on man. God needs an invitation by man in order to work out His plans.
5. According to Kenneth Copeland, this made God "the biggest failure in all the Bible."
6. The reason it took Christ so long to come is because it took God this long to find people to cooperate with His plan to take back control of the earth from Satan.
7. Christ's atoned for our sins in hell and not on the cross.
8. Jesus ceased to be the Son of God at the cross, taking on the nature of Satan.
9. Jesus was born again in hell, in other words, He had to be saved just as we do today.
10. Because God conquered Satan through the death of Christ, we are entitled to health, wealth, and prosperity.
11. The Christian is now a little god.
As you can see, these are dangerous teachings. Does Joseph Prince believe these teachings? I must assume so since he calls himself a Word of Faith preacher. Even if he doesn't believe the majority of these teachings, he's still guilty by association since he promotes and preaches in their churches.
Here is a PDF paper on Joseph Prince written by Lisa Cooper entitled ,"The Law is Holy, Just, and Good." Lisa Cooper does a fantastic job showing through her extensive research how Joseph Prince is not only a Prosperity Preacher, but also an antinomian.


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Invoice Template Uk Open Office
Invoice template uk open office – dhanhatban at invoice examples
Invoice Template Uk Open Office Firms have to have professionally designed bill for developing the top impact on the customers. The bill will be your revenue deal's last element which should get listed within the customer's brain. Isn't it wonderful to shut the offers having an amazing, efficiently- developed bill?
A skillfully made account is vital in establishing the standing of the business, prompting the consumer to settle your fees swiftly also to ask for your solutions again, therefore assisting your business grow. The client could take longer to settle your payment, while questioning the authority of the invoice and that could seriously affect your revenue. When you can easily access a template that'll match your form of enterprise or market you never want to get overwhelmed by this career of invoicing. Locating the correct design assists keeping a great deal of time and money.
Firstly, you ought to be able to recognize the necessities of the theme that is great. Specified functions are common to the majority of accounts. For example, it has to have the title of its particular target and the business, along with the contact data of the consumer. It fundamentally identifies solutions offered's sort for delivering them, and also the value agreed. Frequently, their logo is included by firms while in the invoice and, depending on the dynamics of business, the transaction conditions may be mentioned by them and the breakdown of things or services offered.
Having produced of that which you require a concept, it gets more easy to limit your choices. These might be fairly pricey, particularly for small businesses, although usually, software programs offer themes. You can also buy specific templates online. For performing your business, the Web provides a significant amount of valuable resources. You can also get invoice themes cost-free.
You can easily develop an invoice by utilizing the invoice layouts presented without charge online, containing all the necessary features. You may get various types of statements. You might have an invoice for delivering any specific company or goods or perhaps labor. In addition you will get layouts for proforma accounts. You will find free templates in a big range of models, and some of them might currently be there-in your computer, including Microsoft Word, HTML, Microsoft Excel and PDF etc. Several free templates include timesaving attributes, such as typical logos, and also other choices you may like including in your specific logo – intelligent installation of day of invoicing, integrated formula program and drop-down menus – letting you pick numerous items to change quickly the template to your requirements.
Having finally designed the bill template, you should have to produce it. Below, again, you have some choices. For one, you print the account inside your office and might just modify your invoice format, and send them for your buyer. You might actually electronically transmit your account, utilising the mail. Occasionally, you might need to provide your maintenance team with empty bills, allowing them to give over them to customers for collecting funds also to organize accounts immediately. It's also possible to consider having a combination of each one of these.


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Red Hat Bugzilla – Bug 3041
"chkfontpath" (not chkconfig) prints wrong program name in help text
Last modified: 2008-05-01 11:37:50 EDT
If chkfontpath is invoked as "chkfontpath" (e.g. with not
explicit path) then the program name is printed as
"hkfontpath" in the help message. To fix this change the
line that reads:
if (*progName == '/') progName++;
(A context diff is in the URL box above.)
Also, there is no chkfontpath component listed in bugzilla.
Observed in the test lab.
This will be fixed in the next release.


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Investment in Fixed Deposit Schemes – A Brief Overview
Investment in Fixed Deposit Schemes – A Brief Overview
The different types of fixed deposits schemes have provided lot of opportunities to different investors. Currently in the market, the banks and other corporate fixed deposits schemes are available to the general public. Both, the banks and corporate fixed deposits schemes have their own regulations and policies. The fixed deposit investments are safe heaven for the investors because there is no fear of the loss of money and they are less risky investment as compared to stocks and other commodities.
As far as the return on the fixed investment is concerned, the banks offer different rates on fixed investment in comparison with the corporate fixed deposit schemes. The banks offer normally a 2-3 percent less rate of return because the fixed deposit schemes which are being offered by different banks are safe as compared to the corporate fixed deposit schemes which normally offer higher rates of return to their investors. In addition to this, the bank's fixed deposits are safe up to a specified limit of amount as they are insured by different banks but not by all banks.
There are also some negative things about fixed investments. The major drawback of this type of investment is that they are not liquid in nature as theses amounts are fixed for a certain period. Moreover, if the interest rate rises after making investment, the banks do not offer higher rates and they pay the interest as per agreed terms and conditions. In addition to this, due to the inflationary trend, the real value of money being is declined with the passage of time. Another problem with this type of investment is that the interest rate mentioned is the pre tax return and the amount of tax has to be deducted from it.


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Menus for parent teacher evenings and staff events
This is a selection of suggested menus, you are welcome to mix and match to suit.
Menu One
- Mexican Slow Roasted Pork & Refried Beans
- White Flour Tortillas
- Shredded Lettuce, Cheese, Sour Cream, Chipotle Sauce
- Sweet choice to finish.
Menu Two
- Creamy Chicken & Spinach Pasta Bake
- Roast Pumpkin & Broccoli Bake
- Seasonal Salad
- Bread Rolls
- Fruit Salad & Cream
Menu Three
- Beef Lasagne & Red Lentil
- Tomato,Lentil & Herb Lasagne
- Green Salad with balsamic dressing
- Basket of French bread
- Platter of Vanilla Custard Tartlets with fresh fruit garnish
Menu Four
- Chicken, Coconut & Potato Curry with Fresh Coriander
- Chick Pea & Vegetable Curry served with Steamed Rice
- Mixed Green Salad
- Basket of French bread
- Devil's Food Cake & Cream
Menu Five
- Slow Cooked Casserole with Beef Cheeks & Chunky Vegetables
- Potato,Leek & Dill Strudel
- Seasonal Salad
- Basket of French bread
- Sweet choice to finish
Menu six
- Beef & Mushroom Pie in Flakey Pastry
- Roasted Cauliflower Pasta in a Cheesy Sauce
- Potato,Pumpkin roasted with steamed Broccoli
- Basket of French bread
- Iced Ginger & Nut Slice
12.00,for groups 60 and over
15.00 groups 20 to 59
All prices are GST exclusive
Delivery Charge: $20.00 West Auckland, $30.00 Central Auckland, POA Greater Auckland
We supply platters and serving spoons, but not crockery ,cutlery etc


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This Week on the Island 10/07/2017
'This Week on the Island' is written by Doug Bennett and is an update to friends about happenings in Key West last week. Everything is true except for those parts that are lies.
The Weather: Hurricane Irma has come and gone a left a mess
I needed to be in Miami for complete knee replacement surgery on Thursday, 7 September, at 7:30 AM. The appointment was cancelled due to Hurricane Irma.
At the time the hurricane was headed to Miami so we went back to Key West. The hurricane followed us. We had winds of over 140 MPH with gust up to 175 MPH. For the next 2 weeks there was no communication with the outside world. No water, no electricity, no food, etc. No water means you can't flush the john. It gets pretty bad. No electricity means no A/C and all your food goes bad in 3 days. That adds to the smell. You put stuff in plastic bags and set it outside to rot in the hot tropical sun. That just adds to the smell of the seaweed, dead birds, and other animals that didn't make it.
I slept on the front porch in a lounge chair and would wake at 3 AM and it is still HOT and lots of humidity and not a breeze in sight. Let's not forget the bug bites.
We were lucky. Our house was complete. We could clean-up and still live here. Water and electricity came back. We got communication with the outside world and my surgery was rescheduled for Sept 28th back in Miami.
Big Pine Key where the eye of Hurricane Irma crossed.
A barge full of boats going by Mallory Square. They were all sunk, people lived on them.
Shell Silverstein's house. (A boy named Sue).
Southernmost Point
Key West
Close to Perfect, Far from Normal'
Doug Bennett
Lat 24.3334N, Long 81.4805W
You may join this group by going to http://groups.yahoo.com /group/ThisWeekontheIsland/


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So it occurred to me the other day that I kind of forgot to put up the recipe of the month for February. What can I say, it's been busy around here! I promise that by next week I will have the recipe written up, you'll just have to wait a little longer!
This last week has been a really busy one! On Tuesday I went into London for my ICS-Y Care International assessment day. I'll tell you what; I check my emails pretty obsessively anyway but the last few days have been madness. I keep refreshing every time I look at my phone (we're talking multiple times an hour!) and I think as with so many matters the wait to hear something back is the worse part of anything!
On Thursday, I took part in a 12 hour read-a-thon in aid of Give A Book for World Book Day. I dressed up as supervillain Poison Ivy (the looks I got when I got on the bus were amazing!) and stood around reading Richelle Mead's Frostbite for hours. I think I was reading out loud for about 7 hours in total (and proudly managed to get all the way through the book – hence why I look so tired by the end!). We had readings by our university Hogwarts and Poetry societies too, which meant we got to have a little break to eat dinner! It was a great day and there was so much support for everyone that took part. It is amazing to see sometimes that people you don't know get behind you on a cause. We don't know how much we raised in total yet, but we are estimating between £400-£500! Such a worthwhile day!
Those were understandably the highlights of my week. What else is there to say? Not all that much! My menu this week has been pretty simple:
- Sunday: Stir Fry
- Sunday: Lentil, sweet potato, carrot dahl/tagine thing
- Monday: Bulgogi style pork
- Tuesday: (microwave) Curry and rice (I am so ashamed to have succumbed to the minute and half microwave dinner but it had been a long day….)
- Wednesday: Sausages, roast potatoes, veg, yorkshire pudding
- Thursday: Pulled pork and burger with curly fries and coleslaw (it was yummy!!)
- Friday:Kung Pao Chicken


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The weekends here have been relaxing and joy filled.
People coming and going from our house, the sun still giving us a hint of summer, wood being chopped and filling the shed, walnuts picked from the tree and then cracked.
God is slowly teaching us how to live in this house, showing us why we all ended up here and what we are meant to be doing. It is amazing to be in such a diverse community, living with people who come from completely different backgrounds to you, figuring out the best of each and mixing together to create this muddle of cultures.
It is simply the beginning, the getting to know each other, smoothing out differences and filling the house with love and grace…a time filled with expectations of what is to come and how we will look back on this time.


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Contact Us
If you can't find the information you need on our website, please get in touch.
You can do this in three ways:
Call us on +44 (0)20 7920 4920
You'll find us friendly, helpful and ready to take your call from 9am to 5pm, Monday to Friday.
Pay us a visit
Feel free to pop in and talk to us face to face. Our office is open Monday to Friday 9.30am to 4.00pm (excluding bank holidays).
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Drop us an e-mail
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Additional information
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Lose Weight and Start a New Life with The Pink Drink.
Hi, our names are Murphy and Mary Martin and we are Plexus Independent Ambassadors. Our journey began when Mary wanted to shed her unwanted excess baby weight from our second child. Quickly seeing results, I jumped on board, as is leading in our household with over 30lbs lost. Seeing how Plexus could help us physically, we began to look into the opportunity part of Plexus. To be honest, the wholesale discount is what initially drew us in. Fortunately, friends and family have seen our results and wanted to know what our secret was. We tell them about how Plexus has truly changed our lives. Our business has grown to be so much more and is leading us down the path to financial freedom.
We use the products, We've seen results, and now we are ready to continue our journey with you as our friend and client. Feel free to drop us an email or give us a call about any of the products we offer. We look forward to talking with you soon!
Go to the link Below are click the Pic above to start your NEW LIFE!!!


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Kuala Lumpur — Naga, Camarines Sur flights are offered by 1 airline(s) including Philippines AirAsia.
The cheapest one-way flights are usually available on a Wednesday. The average price of a one-way flight is currently $ 146.57. The lowest price is $ 130.54 departing on local with Philippines AirAsia. Kuala Lumpur - KUL is the cheapest airport for flights Kuala Lumpur – Naga, Camarines Sur.


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A nice easy floor plan greets you at the front door-walk into the large open living room with the kitchen and dining room opened on your left. One hallway takes you to a large bedroom with walk in closet and an ample laundry room with storage. Down the main hall are two more large bedrooms with big closets,a nice bathroom with tub/shower and the master at the end with a vaulted ceiling,large walk in closet, nice bath and a door out to your own covered porch. This property has a huge yard with a nice area gated for your dogs or turn it into your garden area.New carpets,new stainless and black appliances and a lovely covered front porch makes this your perfect new home! Listing Broker and agents DO NOT guarantee the information in the MLS Listing is accurate.It is the duty of any person,bu
All 20 Photos


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Professional One Off & Regular Cleaning Company Tufnell Park N7
Desperately need help for a professional one off or regular general cleaning service in Tufnell Park N7? We at SEFAN Ltd. will be glad to add you to our growing customers list. We offer expert domestic and commercial general cleaning service in the area at the most attractive general cleaning price. Our general cleaning company provides the top quality cleaning services, including commercial cleaning and domestic cleaning service in the area. We will provide you with:
- A completely covered by insurance general cleaning service
- Fixed prices, no hidden costs and no deposit for booking
- Easy and quick booking with our non-stop customer support service
- Vetted, trained and experienced cleaners
- Availability 365 days a year, with flexible cleaning hours
Contact our 24 hours a day customer care at 020 3746 4253 or send us an online inquiry here to get a non-binding price quote for one or several of our services and for discount details.
Home & Office Emergency Deep Cleaning Tufnell Park N7
We have a growing number of regular and new customers in the area, who resort to our emergency deep cleaning, contract cleaning, office cleaning and flat cleaning services in the area. Our Tufnell Park N7 services are available to: industrial and commercial properties, public service agencies, law enforcement agencies, funeral homes, motels, hotels, coroners, apartments, landlords and home owners.
To make sure your business or private property is cleaned thoroughly, professionally and at a great price, go ahead and book our general cleaning service immediately!
Home & Office Hourly Based Maid Service Tufnell Park N7
Depending on the hours booked and on your preferences, we can clean the following items and premises in your home or business property:
- Bathrooms and toilet cleaning, bedrooms cleaning
- Hallway and staircase cleaning, living room cleaning
- Windows (from the inside where reachable)
- Window sills and window frames, kitchen surfaces
- Drawers, bench tops, cupboards, shelves
- Sink, mirrors, dishes, picture frames
- Bathroom cleaning, balcony cleaning, chair cleaning
Pro One Off or Contract Cleaning Tufnell Park N7
We have been offering professional regular cleaning and one off cleaning services to all business owners and people located in Tufnell Park N7. SEFAN Ltd. prides itself with being the most liked general cleaning company in the area since 2006. Our general cleaning is an hourly based service. We can provide reliable one off or regular office cleaning and house cleaning provided by our expert cleaners. We can send our cleaner on a daily, weekly, monthly and fortnightly basis. If you prefer, our cleaners will bring professional, eco-friendly and safe cleaning solutions and professional cleaning equipment to ensure your property is cleaned to perfection.
Professional Daily, Weekly or Monthly Cleaning Tufnell Park N7
Apart from our regular and one off cleaning and maid service, we can also provide you (upon request) with the following services:
- Ironing & laundry, window cleaning, handyman services, gardening
- Dry or steam deep carpet and upholstery cleaning
- Facade cleaning, restaurant cleaning, hotel cleaning
- Drapery cleaning, blinds cleaning or curtain cleaning
Book SEFAN Ltd. Call for Special Prices!
If you want to book our one off or regular general cleaning services, you simply have to contact our customer support service. It is open 24 hours a day for your booking requests at 020 3746 4253 or through the online booking form. We will send you written confirmation in less than 2 hours. Booking does not require paying a deposit. You can choose to order our same day, emergency general cleaning service, or plan ahead and pick any day of the year. Early bookers, regular customers , estate agencies and landlords will receive preferential prices. If you book a combination of several services at a time, we will present you with a sizable discount. All our prices are fixed and we will ever ask you to pay additional hidden taxes!


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This is a new fire station for the City of Waukesha Fire Department located in downtown Waukesha. The fire station includes 27,170 sq. ft. which houses five apparatus bays, two rescue trailers, 12 sleeping rooms and administrative offices, as well as extensive day room and exercise facilities.
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What are you saying?
Jonathan Stout recently saw our band play and afterwards I asked him for any advice he wanted to give. He said something thought-provoking in response.
While so much of playing is the physical command of one's instrument, even more is learning what to do with that command.
Since my left brain is devoted full time to drawing parallels between things my right brain is doing, this question seems equally applicable to dancing. Once you've gotten good at dancing, what are you doing with your dancing? What are you saying?
Our band hasn't really defined itself yet; so far we have been struggling just to be competent enough at playing our instruments live that it meets our own acceptable standards. I can feel us getting more relaxed and natural with every gig, though by no means have we ironed out all the wrinkles. But it is time to start thinking about what we are doing, as opposed to how we are doing it.
As a dancer, I am not expressing very much, if at all. I'm not trying to say anything concrete. I'm not performing, I'm not competing (except in the most subtle sense which is fundamental to lindy hop -- "I'm better than the guy next to me"), I'm not doing anything other than trying to have fun with the person I'm dancing with.
But dancers at the very highest skill levels, in all forms of dance, have thought consciously about what they are expressing. The very act of defining their technique in such detail expresses their attitude to the dance. By becoming that good at dancing, they are simultaneously paying respect to the dance and those dancers who have come before, and adding their own "genes" to the dance. Over time, that is how dancing evolves; the very best dancers define the standards of the dance, simply by blazing new paths.
Technique is something you can acquire. If I can dance, or drum, or write, any schmuck can do it. But soulfulness, emotion, self-expression; these things elevate you. If you want to be known as a truly great dancer (or musician, or artist, or writer...) you have to have something to say, something that is uniquely yours.
Love this – jazz music and jazz dance is so much about personal expression, and I think that's part of its pedigree as an American art form. Though I am, and will always be, striving to improve my technique, I do feel that I've found my "voice" in swing dancing. And I'm blessed to have a partner who shares that vision. We definitely don't follow the trends, but we have way more fun this way than copying the "latest and greatest" on YouTube.
Well said, Julius. Since Lindy Hop is, in a sense, just as improvisational as jazz, thee music we dance to, once you have the chops to do the dance, then, I believe, it becomes important to try to dance like yourself, to personalize your dance, and finally to dance in accordance with how the music is affecting and directing you. Of course, this advice works better for a leader than a follower, but followers can and do put their imprinteur on interpretation of the dance and musical urgings.
Like jazz, Lindy Hop has a certain set of structural rules. They are not limited to the traditional syllabus of moves (steps), and rhythmic precision, but also include styling limitations, and, likewise, styling prohibitions.
Too confining? I disagree. There is lots of latitude to become both a good and pleasing dancer, and also personally unique and expressive.
to wit, some recent commentary has erupted because of stylisiic break-throughs by top Lindy Hop pairs, not limited to, but included are Kevin and Jo and Skye and Frieda, who have preferred to dance to subdued tempos in order to introduce pleasing stylistic nuance to Lindy Hop. More important, however, is that the rank and file of Lindy Hop social dancers see that excellence can be obtained with less athletic prowess, and thus, it can be attained by those who don't have the strength and quickness of the top athletic dancers.
Yes, dancing Lindy Hop well to very fast music is exciting and difficult, but, I would hope there is more to Lindy Hop than excitement and difficulty. When the tempos become very fast, they present, I believe, less opportunities for personalized styling, and drives everyone but the best, into an uninteresting and ritual form of Lindy Hop, and worse, this may discourage the average social Lindy Hopper from improving. But, then, I could be wrong–Hey! it has happened before.
Allen Hall


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Enter Flight No or Origin or Destination
Find Flight
John F. Kennedy International Airport Buses are initiated by the Port Authority to provide additional convenience to its customers. Those who are travelling alone and have light luggage may consider this form of transportation more economical, especially if they do not have a very tight schedule to meet. There are many bus companies that are offering their services like the New York Airport Express Service Bus and the MTA buses. You just need to be aware of their schedule trips and fares for you to prepare in advance.
Passengers who will be coming from JFK Airport and wish to go to areas near Kew Gardens and vice versa may take the Q10 Bus. It has limited stop over including Kew Gardens 80 Rd, the Ozone Park Lefferts Blvd., or 101 Av., S Ozone Park Lefferts Blvd., or Rockaway Blvd., S Ozone Park 130 St. or 150 Av., and Terminal 4 of the JFK Airport. The local bus fare is $2.00 and a discounted price of only $1.00 for senior citizens and the handicapped; however, those who wish to ride on an Express Bus will be charged $5.00 and $2.50 for the senior citizens and the disabled. Those who wish to save more are advised to purchase a 7-Day or 30-Day Unlimited Ride MetroCard and this will be accepted in all MTA Buses except for the express buses. Those who do not wish to consider this option are still free to choose the exact coin fare system and ride the scheduled buses servicing JFK and New York City.
Passenger coming from JFK Airport but wish to go to Jamaica may take the Q3 Bus. It regularly makes stops over at The Jamaica 165 St. Bus Terminal, the Jamaica 179 St., Subway Station, the Linden Blvd., or the St. Albans Farmers Blvd., Springfield Gardens, and Terminal 4 of the JFK Airport. It follows the same payment scheme and similar discounted fare for those who are aged 65 years and above or those with qualifying disabilities. You will be granted these privileges including the Reduced-Fare Metro Card or the Medicare Card, except during the peak-hour express of the buses. Make sure you show your identification cards to be granted this privilege. It is also providing free transfer to other buses as long as you ask for a free magnetic strip transfer because this will be used on your ride to another local bus. Some also considers buying the Pay-Per-Ride MetroCard because it gives them one free transfer if the transfer was completed within two hours after it has been paid. These are additional add-ons that is very beneficial for travelers who wish to save more on their transportation expense during their stay in the city.
Passengers who will be coming from the Bedford-Stuyvesant area and going to JFK Airport may take the B15 Bus. It will make its stop over at the Bedford-Stuyvesant Broadway, The Spring Creek Brooklyn General Mail Facility, the Ocean Hill St. Johns Pl, the Brownsville Hegeman Av., the E New York New Lots Avenue, and the Terminal 4 of JFK Airport. The same rules will be applied on these buses as all is regulated by one particular department of the city. In any case, passengers may also wish to take ride on the New York Airport Express Service Bus for faster ride towards the airport; however, the fare that must be paid is $15.00. It makes stops only at the JFK Airport, the Grand Central, The Port Authority, and the Penn Station. This bus service is preferred by many because it gives them better assurance that they will not be delayed with the JFK Flight scheduled. Moreover, it is cheaper than the taxicab rate. It is ideal for someone travelling with a light luggage because even if you need to take a few minutes of walk, it would not be that inconvenient.
There are other bus companies that are offering their services in New York City. They may not directly lead you the JFK Terminal 4 Area, but it helps to know the locations and the fare they will request from you in case you consider them as your form of transportation. The Appex Bus, Today's Bus, and Eastern Travel are all traveling from F to E. Broadway, a regular destination for those traveling from NYC to Washington D.C. and vice versa. All three bus companies share similar rates of $20.00 for one-way tickets and $35.00 for round trip tickets. Those who wish to go to A or E to 34th St. may choose Premium Bus, Vamoose Bus, and Bolt Bus. The rate is similar to the ones mentioned above.
Passengers who will be traveling from Philadelphia, PA to NYC and vice versa may take the Apex Bus, Universe, or Today's Bus and pay a $12.00 fee for one-way ticket and $20.00 for round trip tickets. Megabus, Vamoose, and Bolt Bus will be requesting a fee of $12.00 for each way and drop them off at A or E to 34th St. Those who will be coming from Boston may take Fung wah Bus and pay a $15.00 fee each way and they will be dropped at 139 Canal Street. Those who wish to be dropped off at Penn Station may ride the Megabus and pay $17.00 while those who wish to be dropped off at 34th St. may ride the BoltBus and pay $17.50 bus fare.
You will never worry about your ground transportation to and from JFK International Airport. The administration is very well aware of the increasing demand for these. It is making sure their customers are experiencing very little inconvenience in terms of these services. They have posted numerous signages that will guide passengers arriving at the airport on where the bus terminals are located. In case they happen to feel at lost, they can easily request assistance from the personnel of the airport. They are sure to be well taken cared of by the JFK Airport to guarantee that their stay will be as comfortable as possible.
© Copyright 2018 JFK Airport


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USHEALTH Group Inc is a very popular provider of health coverage plans for citizens of the United States of America. The business has been around for more than a decade, and it has managed to set a new standard for quality and accessibility its line of work.
The leading health coverage provider is based in Texas with headquarters in Ft. Worth. The company provides its services to predominantly to owners of small businesses as well as self-employed individuals. USHEALTH Group Inc. sells through its distribution division called USHEALTH Advisors. The company has hundreds of employees across the nation to serve in every state. Th advisors of the USHEALTH Group can be located quickly through the PPO service on the official website.
The leader of USHEALTH Advisors used to be Mr. Troy McQuagge. He started in 2010 and has been with USHEALTH for almost eight years now. Mr. Troy McQuagge started his position with a rebuilding of the USHEALTH Advisors. He added some improvements and removed some weaker aspects with the purpose of enhancing the operation od the distribution arm in increasing the sales rate.
Mr. Troy McQuagge's work and efforts did not g unnoticed as the retooling achieved a great success. Mr. Troy McQuagge was promoted in 2014 for the positions of President and Chief Executive Officer of the mother company USHEALTH Group Inc. Mr. Troy McQuagge is at the position to this day, and he is very successful. Both USHEALTH Group Inc and USHEALTH Advisors have received some coveted awards, and Mr. Troy McQuagge has been personally recognized with awards as well.
Last year in 2016, Mr. Troy McQuagge was recognized for his leadership and achievements by the global awards program of One Planet Awards. The organization acknowledges leaders, employees, and other individuals, as well as companies and services and products on a yearly basis. One Planet Awards holds many competitions and gives prestigious awards. In 2016, Mr. Troy McQuagge received a nomination and took the gold for ''Best CEO of the Year." The award is a very prestigious one, and Mr. Troy McQuagge accepted it proudly. He stated that is was his most profound belief that the honor truly belongs to everyone who is working at USHEALTH Group Inc.
This was not the first awards that the CEO and President have received, and it also was not the first recognition for the USHEALTH Group Inc and USHEALTH Advisors. Both sides of the business have been recognized by premier awards programs before. They have received Stevie awards as well, and the services of the large corporation have been acknowledged as most innovative. USHEALTH Advisors received an award for their customer service earlier this year as well as other honors in their line of work. Check more:https://www.corporationwiki.com/Texas/Fort-Worth/troy-mcquagge/67287003.aspx


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Home Owner in Toronto
Please see what we wrote under Nanny. We are a family with older children and a large dog. We would like help daily. We require help with Housekeeping, laundry, errands and with being available for our children (who are 12 and 9) and meal preparation. We also have a large dog who needs walks. We would like someone to be at our house from 1 to 6pm everyday. The hours and pay are somewhat negotiable depending upon what work is done. We require someone at home for our daughter at 3:30 everyday. Driving is a requirement as the children need to be taken to activities. .
Home Owner Details
|Email Address
|Phone Number
|Hourly Rate
Notes made here will only be seen by you. If you want to message the owner of this listing
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Customer Support - If you have any questions, you can contact us anytime. We'll help you or contact to the developer for your questions or problems.
Best Products - We hand out the best products, and exclude the bad, virus apps.
100% Discount Success - We maintain the discount coupons manually every day, delete all invalid code.
coupon | Goodies. NOT Goonies....LOL ô¿ô¬
Fashionable and clear UI, really love it. Besides, it brings me all capabilities I need, such a useful converter. In general, it's a good product with pretty UI and nice functions, but the support is not as good as the product itself.
This DRM converter provides rich options and I can even convert multiple files simultaneously. What's best is it can remove DRM restrictions, thus I can convert any video I want, how nice it is! Its options for audio conversion are not rich enough, and wish to have more in the new version.
I like its great output format support, which allows me to enjoy videos on various devices. Though the output quality is not very good, I don't care much about it, no bother for me.
I downloaded the trial version and had a test with it. I just wanna say, I'm disappointed. Poor video quality and dull colors. The result is far from satisfaction.
I used it to convert a 1080P HD iTunes video, which is 2 hours and 11 minutes, 4.77 GB. The operation is kinda complicated, and the conversion took me over 2 hours. Its output quality is not very high, only 2738 kbps, while the original is 5060 kbps. What's good is it offers many customizable options, and the output file size is only half of source file. Overall, I feel okay with it.
The program is great, easy to use. I just tried the trial version, and I'm definitely going to buy the full version.


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My friend Paulette Moore sent me this video about Josephine Mandamin, a grandmother who has been walking the Great Lakes basin since 2003.
I keep running into women who are taking a stand to protect the water. Water is more than 70 percent of our bodies, is essential for all life, and is not replaceable. It's not worth sacrificing water for the short-term profit of a few who want to frack or drill for dirty oil and gas.
Enjoy these powerful words. I hope I'll have a chance to meet her when I get to the Great Lakes.


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Lichtspiel Opus I, produced, directed, animated and edited by Walter (Walther) Ruttmann for Ruttmann-Film GmbH; original music by Max Butting; original length: 243 m; original format: 35 mm, 1:1.33, hand-colored: censorship number: M.00789, 29 october 1921; previewed 1 April 1921 in Frankfurt, U.T im Schwan; premiere: 27 April 1921, Berlin Marmorhaus.
Walter (Walther) Ruttmann (28 December 1887 — 15 July 1941) was a German film director and along with Hans Richter, Viking Eggeling and Oskar Fischinger was an early German practitioner of experimental film. Dadaist Hans Richter's Rhythmus 21 was the first abstract film (1921) but "Lichtspiel Opus I" of Walter Ruttmann was the first abstract animation to be screened publicly (1921).
Max Butting died in 1976, that means 39 years ago.
Resources: wikipedia.org, archive.org
New soundtrack and dubbing: CinemaHistoryChannel
Music: Kevin Mac Leod (incompetch.com) licensed under Creative Commons licence: Attribution 3.0 Unported (CC BY 3.0).
Download (mp4, 30MB) | Walter Ruttmann (Wikipedia) | Link (Archive.org) | Link (Filmmuseum München)


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he Benefits of Antler Velvet
An excerpt from a Literature Review of Velvet Antler: The Global Market, Chemical Composition, Health Benefits and Factors Affecting Growth, compiled by Paul Burgio,Ph.D., supported by the Elk Research Council
The consumption of velvet has been increasing as people have discovered the dietary supplements used by other cultures to enhance energy and well-being. People taking velvet antler report increased energy, increase mental alertness, increased stamina, increased sex drive, and decreased blood pressure and cholesterol levels. Mood stabilization, reduction of PMS symptoms and elimination of depression and irritable moods are common reports. It has also been reported as an effective anti-inflammatory agent for the treatment of the symptoms of arthritis and other types of inflammation.
The uniques health benefits associated with the velvet antler are caused by the biochemicals that regulate it cell physiology and cause the anlter to be the most rapidly growing ofrgan in adult animals. In 70 days the antlers of the North American elk can grow to over 40 pounds.
The antler is normally harvested in the latter phase of development, just before calcification. At this time, the two processes of cell replication and cell differentiation occur at different rates in different parts of the antler. The tip of the upper half has higher rates for both processes. The base of the antler has lower rates of both physiological processes and higher ash or mineral content. Variations in the biochemicals in the different regions of the antler therefore impart different health effects.


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The Barre Heritage Festival & Homecoming Days committee is busy creating a fun and exciting schedule for this year including music, street entertainment, art displays, historic exhibits, workshops, and much more.
Barre is the fourth largest city in Vermont. While the community first developed around the milling available along the adjacent Winooski River, granite soon emerged as the key industry of Barre. In fact, granite from Barre, Vermont was used in some of the nation (and world's) finest buildings, monuments, and memorials. Consequently, granite carvers from across the world settled in Barre making the city a rich mixture of cultures from all over the world.LEARN MORE ABOUT OUR HERITAGE


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Pimento Spread Sandwiches from The China Study Family Cookbook. A few weeks ago I received Chef Del Sroufe's new book The China Study Family Cookbook and honestly, I couldn't have been more excited. The book is full of healthy, plant-based classics, all made with delicious whole food ingredients.
Source: Pimento Spread Sandwiches + Giveaway


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Sid Meier's Civilization VI, the 2016 Strategy Game of the Year, is currently available in the iOS Apple App Store, with the first 60 turns available to play for free. After 60 turns, you may unlock the full game at today's sale price of $29.99, sale will end on January 4, 2018. Civilization VI on iPad is regularly priced at $59.99.
Continue reading "Aspyr Media Released Sid Meier's Civilization VI for iPad"


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Words that start with afronubi
Found 1 words that start with afronubi. Browse our Scrabble Word Finder, Words With Friends cheat dictionary, and WordHub word solver to find words starting with afronubi. Or use our Unscramble word solver to find your best possible play! Related: Words containing afronubi
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text: Where's Our U.S. Secretary of Agriculture? March 13, 2017 10:24 AM Tweet TAGS: Marketing, Overseas December 18, 2014 By Ben Potter AgWeb Social Media and Innovation Editor Email Two months ago to the day, U.S. Secretary of Agriculture Tom Vilsack abruptly stepped down a week before President Donald Trump assumed office. Trump tapped former Georgia Gov. Sonny Perdue to assume that post, but Perdue has yet to even undergo the required Senate confirmation hearings. Why the delay? Turns out, at least some of this delay can be attributed to Perdue himself. His paperwork was only filed late last week. According to the Atlanta Journal-Constitution, the paperwork had been held up for several weeks due to a "complication [that] appeared to be with the FBI," which is in charge of conducting a comprehensive background check. Such background checks are customary for all cabinet member nominees. Perdue also recently filed a public financial disclosure report and a letter to a USDA designated ethics official promising to resolve any "actual or apparent conflict of interest" regarding his various business and real estate holdings. Sen. Pat Roberts, R-Kan., talked with Mike Adams on AgriTalk March 10 about what else needs to happen for the confirmation hearing to occur. "We still lack some other information from the FBI and I think from the ethics people," he says. "That doesn't mean there's anything wrong – it just means this paperwork drama has been drawn out way too long." Roberts stressed on AgriTalk the need for not only Perdue to get on board, but also for him to be able to make multiple appointments within USDA to get it back fully staffed. To drive home that point, Roberts says he's recently spoken with Vice President Mike Pence about the severity of the four-state wildfire crisis currently playing out in the Great Plains and the critical role USDA can play in these situations. Listen to the entire interview here: According to the Atlanta Journal-Constitution: "Senate committees typically announce such hearings a week in advance and tend to avoid Monday and Friday meetings, which means the week of March 20 is a solid bet." Back to news


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Your hosts have a passion for food and a love for cooking! Previously, Jerry owned a wedding cake and candy company, which he still enjoys doing. He also spent several years working the kitchen of a Hilton in the Greater Cincinnati area. Kent worked for many years managing the kitchen of a specialty restaurant in the Denver area. With their backgrounds in the restaurant industry and elaborate cake creations for weddings, Quinceañeras, bar mitzvah's and bat mitzvah's, your breakfast will be as unique as your stay.
With many farmers markets and nearby dairies in the Phoenix area, we strive to offer dishes local in nature and of a regionally flavored cuisine. From green chile quiche and award winning jalapeño jelly, to a orange salmon benedict with our own fresh eggs, we want your dining to be memorable. We strive to offer only the freshest and healthiest ingredients. Let us know, and we will try our best to accommodate special diets or restrictions as well. And of course, many dishes will include citrus and will be served with the best sweet navel orange juice in the Phoenix valley, squeezed fresh from our own trees, just for you.


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Extra Long Ties– XXL-Ties
Ties Overlength – Ties Kingsize
Why does Krawatten.com sell extra-long ties, XXL Kingsize ties? A standard tie is between 142 and 148 cm long. If you are taller than 1.85m, you might have problems with them, since after tieing it will often be too short. A rule of thumb: If the ties ends well above the belt, you need an extralong tie. This is why our XXL ties have a length of 160 cm lang - otherwise there is no difference to a standard tie.


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|Kidz Gear Wired and Wireless Headphones
|Written by BigBruin
|Thursday, 25 March 2010
Kidz Gear Wired and Wireless Headphones Review
Kidz Gear was founded by a mother that was tired of buying headphones for kids that were made cheaply and could possibly include hazardous materials. Their solution was to develop both a wired and a wireless set of headphones that were built with adult features, but in a size and price range that was appropriate for children. This review is going to take a look at both the wired and wireless headphone units from Kidz Gear. BigBruin


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Artwork // Product Design // Sourcing
This is an ongoing project for the Grassroots 2107 Summer line that I will continue to update as new products release. The main pattern was rendered in Cinema 4D and finished in photoshop, and represents an abstracted arrangement of topical plants and feathers.
Photos: Emily Elizabeth Photography
Product Development // Sourcing
The ranger fishtail parka was part of the Fall/Winter 2017 collection at Grassroots California. Its a waterproof olive nylon with 6 exterior pockets and a elongated fishtail cut. It's got an embossed leather bear patch on the right arm and branded snaps, drawstrings, and trim.
Photos: Emily Elizabeth Photography
Artwork // Design
Geometric Cattle Skull illustration to be used as a graphic element for the 2016 Fall/Winter line, which was largely inspired by desert culture and imagery. This line incuded a run of 2 hat colorways, enamel pins, and a Hemp Hoodlamb collaboration jacket based off of the Hoodlamb Classic sold in Nordstroms. The jacket features many secret pockets, a rolling paper dispenser in the zipper flap, custom print water based printing, and more. Shell is 55% hemp and 45% cotton. Fur liner is 20% hemp, 35% recycled plastic bottles, and 45% acrylic Satifur.
Artwork // Design
The Never Summer x GRC Smoke & Mirrors Snowboard features a Grassroots original topsheet I designed on the award-winning Proto Type Two board. Each of the 30 limited edition board was carefully handcrafted in Never Summer's Denver, Colorado factory to their outstanding precision tolerances.
Artwork // Design
The Icelantic x GRC Liquid Summit Skis feature a Grassroots original topsheet I designed on the award-winning Nomad 105 - Icelantic's #1 selling freeride planks. Each of the 25 limited edition pairs of skis were carefully handcrafted in Icelantic's Denver, Colorado facility.
Design // 3D Modeling
2016 board collaboration between Denver snowboarding powerhouse Never Summer and Grassroots California. The hats and boards were done in conjunction with Never Summer's 25th anniversary and I was able to do design on all items as well as manage the project. The board itself is the award winning Proto Type Two style from NS released last season. The shape of the board is a perfect asymmetrical combo of the Funslinger and Ripsaw boards from NS. The proto HD core provides perfect mid flex with the Ripsaw Rocker Camber Profile for a tight edge hold with big time pop. This "Snowboard of the Future" deeper heelside sidecut, new space age topsheet, NS SuperLight Wood Core, and Vario Power Grip Sidecut creates a super stable, all mountain twin dominator.
Artwork // Design
This poster was created as fan art for one of my favorite events of summer 2015- Bassnectar's three night stand at Red Rocks.
Artwork // Design // Printmaking
5 Color blacklight friendlt screen print (fan art) commemorating the 2015 Hulaween festival in Live Oak, FL.
Artwork // Design
Personal project intended to serve as a wall print or tee shirt design.
Design // Branding
A logo designed for a talented new Denver photo/video agency called Amplified Media. The client wanted a modern logo that was bold and clear, with versatility being a top priority. I also wanted the mark to visually reference the "play" and "pause" symbols of a triangle and parallel lines.
Artwork // Design // Sourcing
The Paradise collection from Grassroots is comprised of an allover patterned print of palm trees, maracas, limes, and flamingos. The line is based around pastel color palettes and simple graphic elements, and includes a wide variety of applications including dad hats, a Jaunt fanny pack, and sunglasses.
Photos: Emily Elizabeth Photography
Collaboration // Sourcing // Project Management
This project was a collaboration between Grassroots California and Good Livin- the new skate brand started by 2 time X Games gold medalist skateboarder Greg Lutzka in 2017. We release over a dozen hats with Good Livin in for Summer 2017, using graphics from the Good Livin line combined with fabrics and hat styles developed through Grassroots California. For this project I set up the collaboration with Greg and managed all hat projects and design from concept to completion to be released with the full Good Livin intoductory collection in Spring 2017. Hats by GRC, other apparel by Good Livin.
Photos: Good Livin
Graphic developed for use on tee shirts and other merchandise
This vintage collection was inspired by late 80's and early 90's design and features a denim dad hat, day glow flatbill, and more. This is an ongoing project and will be updated as products release this summer.
Photos: Emily Elizabeth Photography, JuBee
Design // Collaboration
A collection of hats I collaborated on with legendary visual artist Android Jones. We combined his vivid artwork with a variety of high quality fabrics from satin, to hemp, to denim- and activated them in all sorts of mediums including embroidery, embossed metal, and dye sublimation.
Artwork // Design
As part of our first official European pop-up shop opening in Barcelona, we released a series of lines inspired by the cities and cultures of Spain. I was tasked with creating the Ibiza line, and was inspired by both the earthy Bohemian beach vibe on the island and the outrageously hard hitting club scene.
Design // Sourcing // Collaboration
A Christmas 2016 collaboration between Grassroots California and Electronic music producer GRiZ. He is a longtime friend of the company. The graphics I designed to go on this combo have some cheesed up Christmas flare with saxy reindeer in sunglasses.
Photos: Emily Elizabeth Photography
Technical Design // Environmental Design
These 3D wayfinding maps were part of the 2014 grand opening of the new Lory Student Center at Colorado State University. The maps were designed to help students navigate through the new Student Center, with special attention placed on locations to eat, gather, play, shop, and find specialty services.
Artwork // Environmental Design // Branding
This mural in a permanent installation in the Lory Student Center at Colorado State University. It is meant to pay tribute to CSU athletes and alumni, and I worked alongside Rams Athletics and CSU creative services to get the photos used in the the mural.
Artwork // Environmental Design // Branding
This mural is a permanent installation in the food court of the Lory Student Center at Colorado State University. As part of the rebranding of CSU, this mural focuses on the new "Stalwart Ram" ethos and features athletic photos provided by CSU Creative Services.
Artwork // Product Design // Sourcing
The Bear Scout Collection was released as part of the 2016 Spring/Summer line for Grassroots California. The vibe of the line was inspired by long summer days spent lounging in a hammock, sitting around a campfire, and having a beer on the river. The line is based on an illustrative pattern I designed with fish, hatchets, arrowheads, blunts, and more.
Design // Collaboration
This hat was a collaboration with west coast electronic music producer Stylust Beats. The hats make use of matte black leather, black hemp, and acid washed black denim fabrics. Both hats feature a gold plated front logo with a black leather backing and a custom embossed leather strapback.
Design // Collaboration
Opiuo has taken the electronic music scene by storm with his New Zealand blend of Funk and Glitch. He's played with Pretty Lights, Bassnectar, KOAN sound, and countless others reaching #1 chart positions on Beatport, Additech, and iTunes. He also won the title for "best electronica album" from the New Zealand music awards. This was Grassroots' third collaboration with him which I got to design based on his "Omniversal" album artwork by Otis Chamberlain.


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If wisdom teeth are impacted, they must be surgically removed. This is a simple, straightforward procedure conducted in the dentist's office that often only requires the use of local anesthesia.
Do I need to have my wisdom teeth removed?
A number of problems can arise when the wisdom teeth are left in place. It is impossible to keep them clean, so they can collect bacteria that promote periodontal disease and tooth and bone loss. Wisdom teeth can also develop cysts and tumours.
Adult patients with wisdom teeth still intact should have them removed, even if those wisdom teeth are not causing any problems or issues. One of the conditions described above can develop at any time. Furthermore, as the patient gets older, the wisdom teeth's roots get longer and more entrenched, making their extraction much more challenging.
Timely wisdom teeth extraction can prevent the need for further cosmetic dentistry. If the wisdom teeth erupt partially or even attempt to push through the gums, it can disrupt the alignment of the other teeth. Any orthodontic treatment completed years earlier may have to be re-done, or a patient may need to get veneers to realign the teeth.


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by Jenny
(Saratoga, Wy US)
I lived in Michigan and I had to complain about my symptoms for a year before I was tested for fms. One day I woke up and the pain was worse than ever. I couldn't move my head, bend over, and even my steps were painful. I had to make an emergency appt. with my doctor, who wasn't in that day so lucky for me. I got a doctor who tested me right away and we found I was suffering from fms. My doctor who I'd been seeing for over a decade didn't believe my symptoms and thought I might just be trying to get narcotics for recreational purpose. My mother had the same doctor and she has fms might I add and my doc still didn't think to test me. Might I add that she didn't believe in prescribing narcotics. After I tried everything they could give me and nothing helped, I was lucky enough to get a doc who cared enough to test me for the illness and prescribe narcotics. After I was tested and my regular doc seen the proof and that narcotics was the only thing that could give me relief, it was no problem getting the help I needed. Even physical therapy twice over didn't help. Then as we all know, Michigan's economy went sour and I moved to the state of Wyoming where it is easier to schedule open heart surgery than to find a doc to help with your fms. I found a doc who would prescribe me narcotics but only for six months. Now that's long past and the small town I live in that's about 45 min from the doc I just mentioned, these docs in town won't do anything. They give me very mild pain relievers that don't help unless I take more than I'm supposed to and even doing that just makes the pain a little more dull but it still bothers me. So on top of the fms, I get severe stomach aches from having to take more than the recommended dose. Then I have to suffer with nothing for a couple of weeks because I can't get a refill because my month supply isn't supposed to be gone until the next month on the same date I got them. I've told them over and over about this vicious cycle and considering I've been through all the trials I can stand from 24-27, I know what works and yet they won't help. They think I'm trying to get high on vicodin. I don't even do drugs, I hate the feeling of being high, and I have one drink, two at the most, a month. I'm broke and the pain doctor is 200 miles away and they want 600 up front. I'm frustrated, I can't enjoy my life to the fullest. I'm supposed to be cleaning my house right now and I can barely move. I can't stand the frustration, I'm 27, I shouldn't have to sacrifice my life for my fms.
Comments for I'm 27, been suffering from fms for 2 years and frustrated as ever
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Multiple crashes slow travelers on I-4
6 crashes reported on I-4 in Volusia County
Multiple crashes slow travelers on I-4
6 crashes reported on I-4 in Volusia County
VOLUSIA COUNTY, Fla. —
Motorists traveling on Interstate 4 in Volusia County on Sunday faced backups because of six crashes.
Authorities said the crashes happened in the eastbound lanes from before 11 a.m. until about 1 p.m. They happened between State Road 44 to Beville Road, which covered a distance of about 12 miles.
Officials said the highway was closed at time while the wrecks were cleared, leading to a backup of 4 miles.
Westbound traffic was not affected.
The Florida Highway Patrol is investigating the crashes.
The area of the highway where the crashes happened has been under construction for some time, with shifting lanes, concrete barriers and safety barrels.


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"The Dragon" Bruce Ryu is a fictional fictional character from the Yu-Gi-Oh! manga. He is a Kung Fu Master playable character, based on Bruce Lee, in the video game Virtual VS.[1]
One of his moves is the "One Inch Punch".[1]
His Player 2 outfit consists of the yellow jumpsuit worn by Bruce Lee in the film Game of Death.
The Ryu in his name is a reference to Bruce Lee's Chinese name, Xiao Long (Little Dragon). Ryu is the Japanese word for Dragon.
Yugi choose to use Bruce Ryu while playing Virtual VS in the arcade. Jonouchi commented on how he looked just like Bruce Lee. Yugi agreed and said that he is a big fan of Bruce Lee.[1]
Yugi was repeatedly challenged to fights in Virtual VS, by Street Fighter, who was also using Bruce Ryu.[1]
- ↑ 1.0 1.1 1.2 1.3 Yu-Gi-Oh! Duel 25: "The One-Inch Terror"