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- Muslims Reject US Commandments 2015-05-29 11:11
- This Time It Is Different 2015-05-29 00:28
- The Elite Have A Great Fear Of Death 2015-05-26 22:21
- Senior NATO Official: "We'll Probably be at War This Summer" 2015-05-25 23:54
- The US Created ISIS 2015-05-25 23:49
Non-knightly Misha in lamb's skin25.11.2010 | 11:38
Georgian president puts on the role of an angel promising not to use force restoring "territorial integrity" and expresses readiness for a dialogue with Moscow in his speech before the European parliament. Mikheil Saakashvili's speech could be impressive for Western parliamentarians, but Russia, Abkhazia and South Ossetia know the price of these words very well. What's behind Sakartvelo leader's demonstrative resignation?
Saakashvili's speech was announced as extraordinary, but from the first words of his "report" it became clear that it was the Georgian president's set piece on behalf of a peacekeeper unindifferent to the future of South Caucasus. Not his part, basically. But to be fair, he played it convincingly.
It will be remembered that not long ago Saakashvili did his best to stay as farther away as possible from signing a non-aggression pact for the region. But as it turns out he has changed his mind: in front of the European Parliament he made an oath to never again attack Abkhazia and South Ossetia and start discussing problems with Russia. "We will continue to take part in Geneva discussions hoping that the promise we are making today will persuade the Russian Federation to stop blocking the talks", - RBC quotes.
There are more things. Saakashvili asked the world community for support stating that Russia would never make advances unless Europe assigns an official status of "occupied territories" to Abkhazia and South Ossetia.
What "blocking" did he mean? The Russian side has always acted as probably the most active negotiator constantly proposing new initiatives that never sounded good to Georgia, by the way.
Still, this is a cunning move - no doubt. On one hand Europe could see the Georgian president presenting his image speech as a peaceful sufferer ready to confront the villain. On the other hand, he tried to be proactive: if Moscow does not fall for it (naturally Moscow will not), it will be a nice chance to accuse Russia of inertness, imperialism and other pseudo-sins reiterating long-awaited "deoccupation".
Let's not forget that Saakashvili is perfectly informed of the Lisbon summit results, he understands everything: the Georgian president delivering his speech at the time of a thaw between Russia and other geopolitical heavy-weighters is no coincidence.
No wonder the president's PR-move was immediately taken up by the republic's foreign ministry coming forward with an official address that looks like a replica of Saakashvili's words. But Moscow, Sukhum and Tskhinval were ready for that.
As Konstantin Kosachyev, head of State Duma international committee stated, the Georgian president's promise could have been acclaimed if it was not a word-for-word statement pronounced a few hours before the start of the military aggression in August 2008.
"Now we must pass from declarations of these intentions to preparation of a legally binding agreement on Georgia's non-use of force that would be signed by Tbilisi representatives and Abkhaz and South Ossetian leaders, - the diplomat added. - In this case Russia could act as a guarantor that this legally binding document could be concluded".
Abkhaz Ministry of Foreign Affairs made a statement that Georgia had done nothing to demonstrate its peaceful intentions despite these loud statements. "Reality makes us treat Saakashvili's speeches with caution", - FM Maxim Gvinjia said reminding that the Georgian army attacked sleeping Tskhinval immediately after Saakashvili's ceasefire statement.
South Ossetia too refers to Saakashvili's promises as farce. Merab Zasseev, head of RSO president's administration interior policy department, is sure that Mishiko was simply forced to make such a statement under pressure from the EU, particularly France demanding settlement of problems with neighbors for Georgia's NATO admission.
The question whether Saakashvili got his point across to Europe, is still open. He outlined his "peaceful" intentions so that the West could wait for next moves. It was not Dmitry Medvedev, but the obstinate Georgian leader that Nicolas Sarkozy asked to settle down issues with Abkhazia and Ossetia. Chances of a positive outcome are scarce, to be fair.
Abkhaz FM Maxim Gvinjia highlights in an interview with GeorgiaTimes: "Reason tells me all this is demagogy, and even if Georgia starts discussing the non-aggression pact, they will introduce amendments". According to the minister, Tbilisi will finally insist on signing such a document with Russia only. 'As you understand, this is no good to us. Certainly I would like to believe that Saakashvili's promises will come true, but I strongly doubt that", - he added.
Sergey Mikheev, deputy director general of Center for Political Technologies Foundation stated there are no chances for a dialogue with the current Georgian leaders. "With Saakashvili as president, all summit-level contacts are out of question", - the expert believes. - Besides, a non-aggression pact is nothing but words so far".
Things have turned out banal and simple. Indeed, Saakashvili's speech did make an impression on Georgia's expert community, but this is not important now. The fact is that Georgian president's puzzle was not a puzzle at all but a set of causal links that took him to Strasburg in the end.
Ruslan Chigoev


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This is just after the demolition.
Hanging the Sheetrock.
The finished bench in the shower!
Finished shower.
After demo.
During the tiling.
Finished, I love how this turned out!
The owners wanted some extra storage so they built these great shelves for them.
Finished! You can't really see the bead board on the bottom cabinet but it's there and I love it!

subset: commoncrawl


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Your Loved Ones
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Start your estate planning process now – download our Estate Planning Questionnaire here.
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Design Group
Our Design Group provides architectural services for a wide variety of design and construction projects.
An essential component of our Integrated Design+Build approach, the Woodward Design Group works with clients, other Woodward Design+Build teams and outside partners involved in a project to build value into both the process and finished product.
The Woodward Design Group's responsibilities on comprehensive jobs may extend through preconstruction and construction phases with budget and schedule control services. Our architects frequently work with clients from the very beginning of a job, and our staff can often help determine the scope of work and assist in evaluating the viability of a project from the earliest stages. We pride ourselves in assuring the projects our clients undertake are fundamentally sound from the start and fully meet their needs and expectations when complete.


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October 27 – 28th. Women Inspiring Women Conference. For special discount, make reservations by October 16th.
Member Showcase
SMMCOC Board Member, Capt. John L. Huggins, Jr.
During the subsequent bus tour of the restricted area, Mr. Huggins and Chamber Board Member, Rhonda Thomas, interfaced with Scott McKee, Customer Advocate, CITE, NSWC IHEODTD; asking him to keep the Chamber informed of any contracting opportunities that may arise out of the public-private-partnership
Guy Black – Blackout Investigations and Security Services, Inc
Over the last ten years Blackout has been singled out and recognized numerous time for outstanding service. Most notable, in 2013 Blackout was selected as one of the Top Minority Business Enterprise companies in a five state area, in 2016 Blackout was selected a second time in three years for the same award.
The Chesapeake Beach Resort and Spa
SMMCOC would like to welcome The Chesapeake Beach Resort and Spa as its newest corporate member


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Ski resorts harness the power of social media
From the rolling hills of Stratton, Vermont to the steep inclines of Vail, Colorado, ski resorts across the country are harnessing the power of social media.
The term 'ski resort' probably evokes images of log cabins, wood-burning fires and rustic décor – perhaps the antithesis of Twitter, iPhones and Wi-Fi – but today, these once-Arcadian enclaves are transforming into the social media hubs. From the rolling hills of Stratton, Vermont to the steep inclines of Vail, Colorado, ski resorts across the country are harnessing the power of social media.
So, just what does a mountain stand to gain from a Tweet or a mobile app? The dream of any business: a larger, more loyal, more satisfied consumer base.
A deeper, more memorable travel experience
So much of a vacation is the memory of it – and photos play an important role in shaping that memory. Over time, the endless lines, the overcooked food, the curmudgeon airline hostesses slowly fade – but the photos are framed, relived and remembered.
With this in mind, Vail Resorts (which owns six of the most popular ski resorts in the country: Vail, Beaver Creek, Breckenridge, Keystone, Heavenly and Northstar) launched EpicMix, a social media app that enables visitors to document and share their vacation activities.
Vail Communications Director Amy Kemp describes EpicMix as "a revolutionary way for skiers and snowboarders to capture their vital information of their ski day or week or season."
Here's how it works: Professional photographers, scattered across the mountain, document scenic photos of skiers and boarders. These images then automatically go to the visitors' online account accessible via desktop and mobile. So visitors can then easily share these images.There's no need to wait in a long line or deal with a bulky CD-rom.
And here's the best part: EpicMix is friendly to the less tech savvy; it doesn't even require a smartphone! Instead everything is tracked through their lift ticket. While smartphones and cameras can detract from the purity of the ski and board experience by prompting visitors to stop, dig through their pockets and pose for photos, EpicMix enables visitors consistently flow through their run down the mountain.
EpicMix even integrates with Facebook and Twitter to automate status updates. That way, visitors can easily share stats, photos and accomplishments with friends and family, easily, conveniently – and hands free. In addition to its photo-sharing features, the app has a foursquare-esque capacity to reward customers for exploring new areas of the resort.
In 2010 alone, roughly 100,000 guests created EpicMix accounts.
Indeed, most customers are satisfied with the EpicMix Vail experience. Sean Brownlee, an avid Vail skier says, "I have really enjoyed my experience with Epic Mix, not always perfect lift history but my pass is under my coat, close to my iPhone. My pics were always there [in my account]. Now we can share our photos for free and buy them reasonably."
Similarly, another skier, Davis Murane agrees it's a great addition but says EpicMix can cause tourists to opt for better photos instead of better ski conditions. He says, "It's great except it takes away the spirit because some people now make decisions based on vertical feet not best snow."
Viral Marketing
At the Cable Communicators 2009 Forum Vail CEO Rob Katz said, "Video sells our product incredibly well – and it's a huge differentiator for our vacation versus almost any other vacation your going to take."
One of skiers' favorite things is to watch ski videos -- snarkly dubbed 'ski porn' -- because they capture such extreme ski conditions (steep inclines, snow flying around) and advanced tricks – and while out of reach for the majority of skiers, these images still ignite an adrenaline rush in potential visitors to book a visit and test their own potential on these same slopes.
In the past, ski resorts struggled to find a solid video-sharing platform. Magazines and tourist pamphlets were out for obvious reasons – and emails were limiting and ineffective in reaching new customers and a broad target market – but Facebook provides a stable platform and wide customer base to share high quality videos. Thanks to Facebook, in just one post, just one click of the mouse, a video can literally go viral.
Not only does social media amplify the audience – it also provides metrics. Sugarloaf Communications Manager Ethan Austin explains, "With Facebook it's easy to judge how effective our content is, since we're able to see exactly how many times a piece of content is shared by other people."
The resort also uses social media as a platform to connect directly with the consumer. Jackson Hole Communications Manager Zahan Billimoria says, "A large part of social media is telling our own story, in our own words. It allows us to communicate with the consumer directly, without any media filters."
Jackson Hole is currently the number one ski resort in terms of total page views on YouTube – a success which Billimoria says is directly accredited to the resort telling their story through videos on social media.
Maintaining a year round clientele
At Sugar Loaf, social media is a powerful force in generating and maintaining a year-round clientele. Ethan Austin explains, "Social media provides a channel for us to communicate directly to our guests 365 days a year."
Similarly, Vail Communications Director Amy Kemp says, "Social media provides us with a powerful and constant way to connect with our guests year-round…We've found that they are eager to connect to our resorts, as well as to each other to fuel their passion for skiing and snowboarding in the winter, as well as mountain biking, hiking and outdoor activities in the summer."
Steve Krcmar, Mammoth Social Media Director, echoes these remarks. He says, "Come Easter or so, most forget about Mammoth until the following winter – via social media, we've showed them just how beautiful and fun it is in the summer and fall."
Krcmar elaborates, "It sounds cliché but a photo is worth a 1000 words. With email, some guests don't even see images." Via social media they can see and actually visualize what they are missing during an off-season when they wouldn't traditionally visit. Those images and videos function as part of the adrenaline rush to plan a trip.
Indeed, many visitors gravitate toward social media to share their experience – but they also use social media as an activist platform, voicing their complaints on new fees and changes. Devout Mammoth visitor Josh Stern says, "It's always fun to share your experience. But, I was drawn to the page so I could voice my opinion about charging for parking at the Village."
Safety and Weather Updates
Fall 2010 at Stratton, a female skier took a slip on the slopes. She needed ski patrol assistance and live-tweeted the entire experience. In the end, she was fine and unharmed – but Twitter played a critical role in alerting ski patrol of her need for help – and evolved into a humorous, almost-snarky account of her wipe out and recovery.
While Stratton declined to release the name of the Tweeter-in-distress, Stratton Mountain Resort Social Media Director Nazli Kfoury says, "I ended up in a charming dialogue with her. She had nothing to say but kind, funny and encouraging things about Stratton's ski patrolmen and social media platform."
Many also turn to social media for weather updates Krcmar says Mammoth visitors turn to social media to request both short-term and long-term weather updates.
The Stratton Foundation's Disaster Relief Fund raised an impressive $422,000 in the wake of Hurricane Irene. Stratton leveraged social media to help raise awareness of the foundation. Strengthening Customer Loyalty
Skiing and snowboarding have always been social sports – so it's a natural evolution for skiers and snowboarders to connect virtually to capture and share their ski day, accomplishments, feats and highlights with friends and family.
Vail Communications Director Amy Kemp says, "Everything we do centers around providing our guests with 'an experience of our lifetime.' EpicMix and all of our social media strategies and tactics are all tied to our mission and our goal to deliver an exceptional experience to every employee and every guest."
Stratton Communications Coordinator Nazli Kfoury elaborates on how social media breeds stronger customer loyalty. She says, "Social media has strengthened Stratton customer loyalty. For each person who likes, comments on, shares or retweets a post – on their own volition – there is a captive group of their friends, interested and invested in what their friends post, a group we may not have reached without the benefit of social media."
Attracting All Ages
Kfoury explains, "A parks video might attract a younger demographic and an album celebrating our 50th anniversary may speak to an older crowd, yet everyone seems to comment and react to both, regardless of age. Stratton and a passion for skiing are the common denominators.
Ultimately, social media is like a photo album or a post-card. It's a channel to share a story. And while the platform itself is increasingly interactive, engaging, viral and ever-evolving, the story itself – that of the family vacation – is timeless.


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Welcome to the California Child Development Administrators Association
For over 70 years CCDAA has been providing and developing leadership and education opportunities that support publicly funded early care and education programs for children from birth to 13 and their families. CCDAA advocates to progress the presence of publicly funded early care and education programs across California, resulting in a better life by supporting the development of the child's physical and intellectual well being, all while in a safe and high quality learning environment. Be apart of this community and become a CCDAA Member today!
Member Spotlight: Jacqueline Wyse
CCDAA is proud to recognize Jacqueline Wyse as the September 2018 Member of the Month. The CCDAA Member Spotlight is a forum to recognize and thank a member of CCDAA who has supported the Associations' endeavors. We hope you will enjoy learning about fellow members, read more by clicking the button below.
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CCDAA offers a variety of membership levels to serve the needs of all! Anyone who is active in any aspect of the early care and education community and interested in supporting the objectives of CCDAA is welcome to become a member. CCDAA's membership year runs from July 1 to June 30. Maximize your investment and utilize your membership to its fullest. Renew your membership or join today! If you have questions, please call the CCDAA office at 916-443-5919 or email [email protected] and we will be happy to assist you.
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|Allison Transmission schedules third quarter 2017 earnings conference call
The dial-in phone number for the conference call is 1-877-407-9039 and the international dial-in number is 1-201-689-8470. A live webcast of the conference call will also be available online at http://ir.allisontransmission.com. Additionally, the third quarter results press release will be available on the 'News Releases' page of the website.
For those unable to participate in the conference call, a replay will be available from
View original content with multimedia:http://www.prnewswire.com/news-releases/allison-transmission-schedules-third-quarter-2017-earnings-conference-call-300533130.html
Investor Relations, firstname.lastname@example.com, 317-242-3078 or Media Relations, email@example.com, 317-242-5000


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Premiere: Fatoumata Diawara's 'Bonya'
Fatoumata Diawara releases a new video from her album Fenfo, before returning to the UK this November.
Fatoumata Diawara releases a new video from her album Fenfo, before returning to the UK this November.
Bixiga 70 return with a striking video for their new single 'Quebra Cabeça', the title-track from their upcoming album.
Wilderness Festival provided a surprising array of arts and music to please even the most discerning of world music lovers.
The editor's selection of the top ten new releases reviewed in the October 2018 issue
The editor's selection of the top ten new releases reviewed in the August/September 2018 issue
Nigeria's best-known cultural exports – juju, Afrobeat and fuji music – barely scratch the surface of the vast and vibrant cultural topography of the nation
Ireland's traditional music has some innate and elusive quality whose appeal has spread far beyond its shores
Dedicated trips for music lovers worldwide, bringing you the excitement of real music
directly where it's made, in partnership with Imaginative Traveller
Includes visits to Clejani, the home of Taraf de Haidouks, and Zece Prăjini, the home of Fanfare Ciocărlia.
Immerse yourself in the local sounds and rhythms of Senegal's capital, Dakar.
Discover Cajun and blues music on our trip through New Orleans, Mississippi Delta and Memphis.
Venture into the heart of Colombia's musical culture, from Bogotá's hip alternative scene to Cartagena and Medellín.
Explore the culture of Japan while seeing the best sights of Tokyo, Mount Fuji, Kyoto and Osaka.
Trace the history of tango in South America's most European city, Buenos Aires.
Explore More
A Songlines playlist for Apple Music featuring both emerging talent and established names of the Indian electronica scene.
Nigel Williamson takes a look at the rise to global fame and fortune of West Africa's golden couple
With Buena Vista Social Club bidding the world adios, Jane Cornwell reminds us of a wealth of releases that prove Cuba has always been a musical powerhouse
Watch Catrin Finch & Seckou Keita perform the mesmerising 'Clarach' from their new album, SOAR.
Start your journey and discover the very best music from around the world.Subscribe
Take a peek inside the latest issue of Songlines magazine.Find out more


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Unless you live under a rock (in the proverbial sense) you probably know that penguins and polar bears endure some of the most intense weather conditions of any creatures on earth.
But did you know that despite common misconceptions, polar bears and penguins never cross each other's path? This is incredibly lucky for the penguin! In fact, their living circumstances are quite literally polar opposites- most breeds of penguin inhabit Antarctica, with a few more fortunate breeds making their homes in New Zealand and Australia. The polar bear on the other hand lives on the other side of the earth in the Arctic Circle, with some settling in Canada, Russia and some northern islands owned by Norway.
It goes without saying that it's not just their homes that vastly differ between these incredible species. Both have evolved over time in completely different ways to cope with living in the coldest places on earth, but do they feel the cold? Read this in your best David Attenborough voice for added effect.
The most obvious thing to discuss in terms of keeping warm is fur or feathers. Penguins all have tightly-packed, overlapping feathers that help insulate them during bitter evenings. During the day, the density of their feathers and their dark black colour absorb the minimal heat that becomes available to them, and store it for the cold evenings.
Polar bears have beautiful, thick white fur that not only aids them in camouflaging them in the snow; it goes without saying that their fur is the key to warmth. They have two layers of fur, so they are able to trap any warm air that they are fortunate enough to encounter. Both penguins and polar bears have incredibly thick skin to further protect them, and lots of blubber!
Sleeping Arrangements
Penguins famously huddle together, in an incredibly cute evolutionary display. Whilst we're sure that they're big fans of cuddles, it seems that this behaviour is purely practical. In conditions where the temperature gets as low as -60 F and windy gusts of 100 mph, huddling together in a kind of scrum that really can be the difference between life and death. It may not surprise you, due to their reputation as quirky and slightly odd, that there doesn't appear to be a formula with regards to shape of the huddle, or even the order in which the penguins stand within it. Desire to live takes over and they quite often reshuffle themselves to better suit their own selfish needs.
Unfortunately for polar bears, they are much more solitary creatures. But that's not to say that they haven't found a way to keep themselves comfortable during the cold and lonely nights. They dig themselves small shelter pits to snuggle into to get some great shut-eye, and predominantly cover their muzzles with their paws so that the warm air they exhale blows back onto their bodies. Much in the same way that we blow into our hands during the chilly and quintessentially British winter!
Sadly, Domino's doesn't have a North and South Pole division, so penguins and polar bears are left to fend for themselves to track down whatever food they can find. Due to the extreme conditions they live in, not so many other creatures are able to live there. Fish is the predominant source of nutrition for our short and stumpy legged friends, who often leave their adorable huddles on a venture for many miles to track down fish to bring back to their families. Penguins are known to fast (stop eating) annually during breeding periods when they must watch their eggs and keep them warm. So, it becomes less about how they process food for energy, and more about changing their eating habits!
Polar bears differ in the sense that they are well known to consume vast amounts when they can get their paws on their food- mainly unlucky seals that aren't quick enough to swim away. The polar bears digestive system has adapted to keep hold of the blubbery flesh that is an amazing source of energy for weeks to come when food is scarce.
Surface Area
Penguins really do come in all kind of shapes and sizes, and span a multitude of breeds from the large and regal Emperor Penguin to the much smaller and adorable Humboldt Penguin. While their adorable waddle does nothing for keeping their little feet warm, the way they stand does. While still, their bums never touch the floor. They have the least amount of blood flow in their tails and feet, so they form a kind of tripod with these to reduce the surface area that heat can be lost from. One thing that polar bears and penguins have in common is that their extremities are small. Polar bears' ears, tail and muzzle are all much smaller than other bear species, and both the penguin and polar bear have stumpy legs! (Did you know that penguins have knees, and can jump incredibly high?!)
Cooling Down
You read that right; both the polar bear and penguin have become so well adapted to their environments, that not only do they feel cold- they get too hot! Polar bears have more issues with keeping cool than they do with keeping warm- that's why if you see them in a documentary, they more jog than run, to prevent them from overheating. When penguins get too warm, their plush white feathers have been seen to blush pink, when blood rushes to this area to release excess heat.
So, in essence- yes, both creatures do feel the cold, but they are so well adapted that this rarely becomes an issue for them. But they also get too hot because of their adapted traits being so good at keeping them warm. What we can be sure of is that whilst they couldn't be more different, both are amazingly beautiful creatures have utilised incredible feats of evolution to survive.


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Russian Diplomatic properties Trespassed
Posted by cool_ambo on September 2nd, 2017 | Comments Off on Russian Diplomatic properties Trespassed
The US State Department conducted
warrantless searches of Russian Diplomatic Missions
and Russian private residences.
Shades of KGB,
the US have now started trespassing into
foreign properties, and countries, all over the world
with impunity.
So now who needs a wall against whom?
I wonder if they have already planted evidence
of Russian-American collusion
in any and all of the places they searched.
Ah, but Mueller's search
have started to be desperate.
It will next be frustrated.
Till then,
Merry Christmas!


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The steam engine
The Steam engine of the former distillery of Geneviève des Bois ( 45 )
History of the distillery
In 1339, mister André Hemard decides to build a distillery of Ste Geneviève des Bois. His purpose, to produce some alcohol "good taste" entering the manufacturing of the aniseed drinks. In 1941, mister Hemard dies, the factory is still only on plans. To continue the work of his father, Jean Hemard realizes the construction of the 250 HP, only steam engine reliable and economic driving strength of time, capable of running all the factory.
In 1953, the limited company of the distilleries of Gâtinais, which exists since at least 1946, is transformed into agricole coopérative of the distilleries of Gâtinais. The planters of beets are the only members, they avoid by their contribution the closure of the factory and allow him to work until 1988. In 1980, there is an overproduction of alcohol in France. The state no garentit not any more the prices ; the profitability is not any more insured. The last beets campaign in place in 1988, in the continuation comes the closure of the factory, May 31st 1989.
Mister Joseph Chambon, chairman of the Board of the coopérative of the distilleries of Gâtinais donated the steam engine in the municipality of Ste Geneviève. So, in 1990 the factory is demolished and the saved steam engine ! It is inaugurated on June 21st in the hall in the nautical stopping place.
Visit on request, information in the Tourist Office.
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ref="http://www.cityam.com/company/sports-direct-intl">SPORTS Direct, Britain's biggest sporting goods retailer, said it would meet its year profit target even though it had to fork out a £2m success fee to golfer Darren Clarke for winning the Open Championship in July.
Clarke wears the firm's Dunlop brand.
Sports Direct, controlled by Newcastle United owner Mike Ashley, said yesterday it was on track to make its 2011-12 target for underlying earnings before tax, interest, depreciation and amortisation (Ebitda) of £215m before staff bonus scheme costs.
It made underlying Ebitda of £200.4m in 2010-11, inclusive of bonus costs.
The firm, which owns Sports World and Lillywhites stores as well as brands including Slazenger, Lonsdale and Dunlop, said total sales rose 0.5 per cent to £410m in the 13 weeks to 25 July, although gross profit fell 5.7 per cent to £174m.
Retail sales increased 0.8 per cent to £368m, against tough comparatives as football's World Cup was taking place in the same period last year.
Revenue in the brands division fell 2.3 per cent.
Shares in Sports Direct, 71 per cent of which are owned by Ashley, have increased by 85 per cent over the last year.
Most investors in Sports Direct yesterday gave their approval to the firm's plan to buy 32 retail properties from Ashley, handing the founder a windfall of £86.8m.


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Available positions…
Customer Services & Order Processing
To provide assistance/support to the customer service manager, Sales & Operations Teams, liaise with suppliers, clients and internal personnel & process orders under the supervision and guidance of the Sales Team and Customer Service Manager.
Reports to: Customer Service Manager
Location: Paslow Hall Farm Estate, King Street, High Ongar, Essex, CM5 9QZ
Hours: 9.00am – 5.30pm Monday – Friday
To apply please email your CV and a covering letter to email@example.com
- 2 years' office experience
- Order processing experience
- Must be computer literate with knowledge of MS Excel, Word & Execl.
- Good interpersonal skills.
- Previous Customer Service experience
- A good work discipline to manage individuals & teams work load.
- Good telephone manner.
- Good eye for detail
- Able to deal with a fast-paced environment
Description of Teams Daily objectives (not prioritised)
- Assist and contribute efficiently to company sales and margin budgets and targets on the project that you are responsible for
- Build and maintain good relationships with all key suppliers
- Field all enquiries from customers, in-house staff, Group company staff & suppliers in an efficient and professional manner.
- Ensure all new clients are credit checked and approved by Accounts manager before processing any orders on their behalf
- Ensure the customer is always receiving a service/experience that is considered exceptional, encouraging them to continue to consider us as their preferred supplier.
Description of Works for your role – Weekly (not prioritised)
- Field all incoming enquires
- Check received supplier acknowledgments
- New Suppliers (Check but get sign off from Customer Services Manager)
- Chase suppliers where we are still awaiting acknowledgments after a considerable time from order placement – over 7 working days
- Responsible for logging onto to main manufactures,
- Schedule in the delivery of all orders under your responsibility with the customer, confirming in writing and updating the job file.
- Prepare installation packs for orders under responsibility including raising a delivery note on Easycom, any special instructions, the arrangement of a forklift if required and a final signed off drawing (provided by internal design & planning department). Forward pack onto relevant logistics platform delivery the job.
- Check delivery of goods from all suppliers for all under your responsibility are received into our logistics platform in time to achieve scheduled delivery to customer.
- Check all returned supplier delivery notes and file in appropriate job file.
- Check all returned installation packs, ensuring that the client has signed the job off. If any damages or quality issues are noted on signed note, please raise relevant QR order – Check with Customer Services manager before processing
- Once Jobs under your responsibility have been completed please send Customer Satisfaction Survey to client for completion – once returned file and assign to job on Easycom.
- Follow up on any actions set in Weekly team meeting.
Contact us
Essex head office:
Unit 2
Paslow High Farm Estate
King Street
High Ongar
Essex CM5 9QZ
E: email@example.com


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The Straits Exchange Foundation estimates that businesses from both sides of the Taiwan Strait have donated over NT$40 million (US$1.4 million) for earthquake relief in Hualien. The Straits Exchange Foundation (SEF) is an organization that handles civilian exchanges with China in the absence of official government channels.
A powerful earthquake that rocked the east coast city of Hualien on February 6 left a total of 17 people dead. The dead included nine from mainland China.
Meanwhile, an association made up of both Chinese doctors and Taiwanese doctors based in China has donated an additional US$7,200 for people affected by the quake.


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The end could finally be near for long-struggling Sears and Kmart. Sears Holding Corp., parent company of the two brands, issued a warning in its annual 10-K filing Tuesday evening that noted the chain could be in trouble with generating additional liquidity.
"Our historical operating results indicate substantial doubt exists related to the Company's ability to continue as a going concern," read the filing.
The news caps years of sales declines and losses, and, more recently, January's announcement of the closures of 150 stores. Earlier this year, Sears sold its Craftsman tools brand to Stanley Black & Decker, ending decades of exclusivity.
Though it doesn't command the same media spend that it once did, Sears is still the sixth-largest retail advertiser in the U.S., according to Ad Age's Datacenter. Last year, the chain spent a total of $257.3 million on measured media in the U.S., according to Kantar Media. If the beleaguered retailer finally meets its demise, Havas, which was named agency of record in 2013 and retained the business in a review two years ago, could lose a substantial portion of business. Havas has performed creative duties for Kmart as well as Sears' Craftsman, Kenmore and Diehard brand group since 2015. A spokeswoman for Havas had no comment.
Over the holidays, Havas ran a quirky digital campaign for Sears that featured rowdy elves filming video in their basement in a low-budget-style series. Sears formerly worked with McGarryBowen until early 2015.
Kmart previously worked with FCB on notable commercials like 2013's "Ship My Pants" and 2015's "Inactivity Tracker," both of which were Cannes-winning campaigns, according to an FCB spokeswoman, who noted that the agency has not worked with Kmart in two years.
On Wednesday, a Sears spokesman declined to comment but pointed to a recent blog post, which clarified the 10-K statements and noted that the company is taking actions to mitigate its risks. Sears has increased its liquidity through secured loans and amended its existing asset-based credit facility, in addition to the restructuring program announced earlier this year to sell the Craftsman brand and generate more annual savings.
"In line with these initiatives, despite the risks outlined, we remain confident in our financial position and remain focused on executing our transformation plan," read the blog post.
Investors are not optimistic and sent the brand's stock spiraling down 15% by early afternoon trading. Shares currently trade near $7.70.
One brand expert said the news is further detrimental to the Sears/Kmart brand, which still retains some brand equity.
"As the store experience further declines, and everyone reads the headlines about the brand going downhill, it takes whatever value the Sears brand still has with consumers and totally detracts from that," said Denise Lee Yohn, a brand expert.


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Transdev encourages you to play your part – see it, report it. Ireland's largest anti-racism campaign was launched across the public transport network on Wednesday 22nd April 2015 with the support of the Immigrant Council of Ireland, the National Transport Authority, and Transdev and transport providers. Over 2,000 posters and an extensive social media campaign
Over €100,000 was raised by Tesco stores across the country on Friday, 17th April in support of Temple Street's Great Irish Bake . Tesco colleagues and customers baked, bought, ate and sold an abundance of culinary creations to help raise some much-needed dough for the children's hospital. All 149 stores across the country took part in the national baking event,
Accenture's 2014 Corporate Citizenship Report, "Making a Measurable Difference," highlights Accenture's efforts around the globe to collaborate with others to improve the way the world works and lives. It also features a series of new goals to help the organisation increase its impact. By the end of fiscal 2020, Accenture will: Equip more than 3 million people with the skills to get a job
AIB recently won the Green Large Organisation of the Year award for a wide range of initiatives and its integrated sustainability. As part of AIB overall business, they are focused on lending in the Energy Sector. AIB have a dedicated Energy Finance Team and an Energy Efficiency Lending Fund which allows energy savings to be
On Wednesday April 8th the best of Ireland's green sector were recognised and celebrated at the 2015 Green Awards . We would like to congratulate all the winners particularly our members. The Green Transport Award Luas winning the Green Transport Award recognises the "public-private collaboration to achieve energy savings". This collaborative approach is provided for in the Dublin
It's coming to that time of year where many people start enjoying the outdoors again. Corporate team days and charity fundraisers based in the outdoors have become increasingly popular. However as increasing numbers of people seek the beauty and exhilaration of outdoor recreation in Ireland, our collective mark on the environment and its natural process


text: Join Alison Davis and Nasdaq Corporate Solutions for a free webinar, "How to Power Up Your Employee Town Hall Meetings," on 12 September. You work hard to manage your organization's town hall meetings. And employees can see the effort you make to corral speakers and elicit participation. So if you ask a colleague afterward how …More


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Eagles | Carson Wentz throwing at team facility
Mon, 19 Mar 2018 21:58:10 -0700
Philadelphia Eagles QB Carson Wentz (knee) posted video of himself throwing inside the team's practice facility Monday, March 19, as he "appears to be making some significant strides" in his rehab from a torn ACL and LCL. He's still aiming to return for the season opener.
All indications are that Wentz will indeed be ready for the start of the season, which means he can be drafted as your standard QB1 after the sensational sophomore showing he exhibited this past year. Prior to going down with a season-ending injury, Wentz had posted a 101.9 passer rating in 13 games, as he finished with 3,296 yards and 33 touchdowns compared to just seven interceptions.
Source: ESPN.com - Tim McManus


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Building Resilient Communities
The Friends Provident Foundation funded Building Resilient Communities project has been continuing to work with CLTs and Community Benefit Societies which have completed one project and are exploring whether a new project is viable. The types of project being supported are supported housing for older people, woodland, renewable energy schemes, the acquisition and renovation of a former school site, fundraising for expansion and also relocation.
Many organisations have also been looking at reviewing and strengthening their governance; we have been offering support to CLTs and community benefit societies to do this.
A Registered Society under the Co-operative and Community Benefit Societies Act 2004 Registered number 30175R
Registered address: Heatherton Park Studios, Bradford-on-Tone, Taunton, Somerset TA4 1EU.R


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Baby girl sitting on a bed
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Licence fees: A licence fee will be charged for any media (low or high resolution) used in your project.


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Sound Shorelines
Welcome! The Sound Shorelines Program offers ideas and incentives for managing
your waterfront property. We know that along with enjoying those beautiful views of the Puget Sound, shoreline properties can come with a number of common questions:
- Do I need to protect my shoreline from erosion?
- How do I manage shoreline plants – and views?
- What should I do with the water draining down my slope?
- Are there alternatives to bulkheads for managing erosion?
We're here to help answer those and get you back to just enjoying those wonderful views.
Contact your local conservation district to learn more!
For more information, also check out The Shore Friendly website by clicking the Shore Friendly logo above.
Learn more about Sound Shorelines:


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Cart 0
Most recent volume
Volume 52. Alkaline Earth Hydroxides in Water and Aqueous SolutionsPublished: 6th October 1992 Editors: I. Lambert H.L. Clever
This volume contains evaluated data on the solubility of beryllium hydroxide, magnesium hydroxide, calcium hydroxide, strontium hydroxide and barium hydroxide in water and in a number of electrolyte and nonelectrolyte solutions in water. The alkaline earth hydroxides can be divided into two groups depending on the hydration of the solid. First, the sparingly soluble anhydrous beryllium, magnesium and calcium hydroxides, whose freshly precipitated solids are poorly crystalline and show decreasing solubility with aging, and whose solubility in water decreases with increasing temperature. Second, the soluble strontium and barium hydroxide octahydrates that form crystalline precipitates which do not show changes in solubility on aging, and whose solubility in water increases with increasing temperature.


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How do you want your loved ones to remember you? Your face illuminated by the light of a screen?
Of course not. None of us do.
But we are ALL guilty of letting our devices distract us from what is most important. If you've struggled from time to time with balancing your technology use, if you often feel sad, jealous, lonely, or apathetic, and if your devices are acting more as a task master than a tool, then it's time to refocus.
In today's podcast, two guests (Kim Christenson and Jamie Cook) and I share how to recognize when your technology use is out of control, and how to turn it back into a tool for your good.
You can listen to this podcast below, or on iTunes, Soundcloud, Stitcher, Pocketcasts, Googleplay, or search for "About Progress" wherever you get your podcasts. If you like the show, please subscribe!!
Show Notes:
Kim Christenson's referenced blogpost, Instagram, and Podcast interview
Jamie Cook's Instagram and Podcast interview
Meg Mile's Instagram and past About Progress Podcast interview
Irresistible Podcast on Fresh Air
Irresistible Book
Simon Sinek's interview on Millennial and Internet Addiction
Monica's Facebook and Instagram
Contact Monica
More Podcasts


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I took oofthe nuvaring on oct 1. Had my period normally on oct. 4th. I was supposed to insert a new ring on the 8th. But my boyfriend was on vacation at that time and i didn't put in another ring. I put it back in on the 28th and that same day my boyfriend came back and we had sex. He came inside me. Is it possible that im pregnant?
Nuvaring misuse?
- Asked
- 17 Nov 2014 by ellie19
- Updated
- 18 November 2014
- Topics
- nuvaring, birth control, contraception, period
Responses (1)
I took it out today and im having some pelvic pain, sporadic. How long should i wait before testing?
Further Information
- NuvaRing Information for Consumers
- NuvaRing Information for Healthcare Professionals (includes dosage details)
- Side Effects of NuvaRing (detailed)
Search for questions
Still looking for answers? Try searching for what you seek or ask your own question.
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I inserted the nuvaring on my first day of my period. My period usually last 4 to 5 days the most.?
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Birth Control - I forgot to put my nuvaring back in after my 7 day period. Do I take plan B?
Posted 10 Nov 2014 • 2 answers
Late period on NuvaRing?
Posted 8 Jan 2015 • 1 answer
I have been on nuvaring for 5 months now after giving birth. I never get my period on the ring free?
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I personally came early to social media, creating accounts on all the early networks as they appeared. For example, I entered Facebook in 2005 when it required an .edu email to register, and I had used Friendster and MySpace before that. I viewed social media as something I needed to know about for my teaching more than something I needed in my personal life.
I teach in the graduate program in Professional Technical Communication at NJIT. My own graduate work in media focused on video and that was an entry point into much of my tech life. Social media became something I introduced to the NJIT program a few years later when it was clear that corporations, government, and big and small businesses all needed the expertise of specialists in social media.
After using social media for myself and teaching courses in the theory and practice of creating SM strategies, I started working with a few clients to create strategies for their organizations,
For three years I worked with the non-profit National Council of Teachers of English (NCTE) as the social media coordinator for their higher education affiliate groups. THis included creating an overall social media strategy, formulating policies for employees and scheduling daily content to networks with a focus on higher education communities. The three groups – the Conference on College Composition and Communication (CCCC), Two Year College English Association (TYCA), Conference on English Education (CEE) – were brought into Twitter, Facebook, LinkedIn, Tumblr, Pinterest and Instagram. I provided content for humanities teachers and scholars on issues, initiatives, and programs related to professional practices.
I also worked to create a social media strategy for using video. In recording, editing and posting video to NCTE's YouTube channel, we started to move the organization, as other organizations had already done, into the use of video as social media.
Currently, I create and manage social media for several small businesses. This can be maintaining a Facebook page so that it has regular content updating, to a multi-network (Facebook, Instagram, Twitter, LinkedIn) strategy of scheduled posts.
As I tell my students, the strategy for using social media is very similar whether you work with a small business or large organization. Yes, the neighborhood restaurant and a national restaurant chain have differences in scale, but concerns about ethical and legal use of networks and messages, and building community and engagement exists in organizations of all sizes.
Read some of my thoughts on social media


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Showing 1 from 1 Items
Palmersville Hypnosis Hypnotherapy
Are you trying to find hypnosis near Palmersville, Gateshead and Sunderland for help with smoking cessation or weight loss?. Quays Clinic can help you. Medical hypnotherapy near Palmersville is the ability of using the remarkable "tool" of self-hypnosis to alter undesirable routines, bad habits and unwanted feelings at a subconscious level in the mind. Clinical […]


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Shannon Spake has been named the new co-host of NASCAR Race Hub (Monday-Thursday 6p ET on FS1) at FOX Sports. Spake will team up with Adam Alexander for the 2017 NASCAR race season, starting today.
In addition, Spake will host NASCAR Raceday-XFinity, live from the track preceding each weekend's NASCAR XFinity series race. She'll also continue in her role as a sideline reporter for college basketball and a couple of NFL games on FOX Sports.
After spending a decade at ESPN, Spake returned recently to FOX Sports. She previously worked for ESPN as a pit reporter on the network's NASCAR coverage, and as a sideline reporter for Saturday college football games and select Bowl games. She also contributed to ESPN's Saturday Primetime and Super Tuesday SEC college basketball telecasts, and the 2015 NBA Draft coverage, along with multiple NCAA men's basketball tournaments and Final Four championships for SportsCenter.
Prior to ESPN, Spake worked for FOX Sports' SPEED. She served as a reporter for NASCAR Nation, co-hosted Backseat Drivers and reported from the NASCAR garage during the network's coverage of the 2006 Daytona Speed Weeks.


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Hi, I'm Drake Smith
Nice to meet you...
I have always been fascinated with the way the world works. It's all connected if you look at it from a certain perspective. From poetry to Cosmology it's all just a different reflection of the same image.
My goal is to take my interpretations of the way the world works, mix it up and put it down in paint on canvas.
I started painting late in life, in fact August 2012 marks my second year of painting. I went from never having picked up a paint brush to painting every day literally overnight August 2010. It was like a switch turned on and suddenly I knew what I wanted to do with the rest of my life.
I want to share my visions with the world. The good bad and ugly... the weird, the grotesque the darkly beautiful. The ordinary does not interest me. I surround myself with the artistic, exotic, intelligent, mysterious, spiritual, esoteric, questioning, rabble rousing, never satisfied with the status quo people in the world whenever I can. Normalcy, complacency, apathy, work your life away in a cubicle until you are almost dead then retire and enjoy life when you are too old to really experience it? No thank you.


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This take on Minted was made by
undefined from , a member of Minted's
community of independent artists.
Designers were asked to submit a chic and modern design.
If you see a design that is not available for sale, please email us and we will help you purchase the design.
To link to this design on other websites, copy & paste this HTML.
Have some fun with this simply elegant wedding invitation featuring a dreamy starry sky and clean simple text, the ampersand adds an unexpected touch.
wedding invitations, clean, modern, simple, ampersand, sans serif, star, sky, white, beach, blue, slate, destination
blue, gray, white
helvetica neue, american typewriter
A7 Wedding Invitation
Nov 03 2010
We uncover design genius through ongoing design competitions. At Minted, all that matters is good design. Designers submit, and the Minted community votes to tell us what to sell.
"Our purpose in life is to uncover exceptional design from all over the world and bring this to savvy consumers who won't accept anything else."
Copyright © 2018, MINTED LLC, all rights reserved


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RTR-V70201 - Villa for sale in Casasola, Marbella, Málaga, Spain
This villa has been designed by the famous architect Cesar de Leyva Sobrado, the contruction works finished in 2006. The villa enjoys an impressive entrance courtyard with guard house. Furthermore, the property offers an elegant entrance hall, 5 large bedrooms with 5 en suite bathrooms, 2 staff bedrooms with 1 bathroom and a small lounge, spacious living room with fireplace, separate dining, summer dining on the covered terrace, huge porch as well as a TV room, modern and fully fitted kitchen, laundry room, guest cloak, utility room, 4 storage rooms and garage for 2 cars. The master suite includes his & hers dressing room, hallway, seating area with fireplace and complete bathroom with jacuzzi and separate shower. Finished to high quality standards this palace is tiled in a combination of wood and marble and fitted with floor heating, A/C hot & cold as well as electric blinds on all windows. Finally, the property enjoys a large garden with beautiful swimming pool and pre-installation for a Turkish bath. The villa is situated close to various golf courses and only 5 minutes away from Puerto Banus.
Villa, Beachside, Furnished: Negotiable, Fitted Kitchen, Parking: Two Car Garage, Pool: Private, Garden: Private, Facing: South
Views: Garden,Pool.
Features Air Conditioning Hot/Cold,Courtyard,Electric Blinds,Fireplace,Laundry room,Marble Floors,Staff Accommodations,Turkish Bath,TV Room,Underfloor heating throughout,Wood Flooring.


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The choice to make profits or make losses lies with the accounting happening in your business. Many businesses find accounting software a saviour to all the accounting hassle and extra expenses on auditors. However, do not be blinded by the ease and convenience of technology so much that you ignore the very important, talented and much-needed accountants, like Peach Wilkinson Accountants. There is more to accounting than just automated bookkeeping, tax returns and records. You need skilled financial and human expertise in your business, whether small, large, new or old. You need an clerk.
Chartered auditors (CA) bring their financial prowess to address the accounting requirements specific to your business including and not limited to accountancy, tax-related issues, financial advice and consultancy.
Why an Accountant is better than the software
One of the essential roles of chartered auditors is ensuring business compliance with the laws and regulations. That is why auditors take the Continued Professional Development (CPD) study. To keep them up to date with all the changing legislation, tax laws and company rules and regulations. That way, they help make necessary changes and decisions to keep your business compliant with the requirements according to the specifications of the HM Treasury, HM Revenue and Customs (HMRC) and the Companies Act.
This process would otherwise not be achieved by an accounting software.
As your business or company grows, profit margins increase, and so does the tax. A chartered clerk will not only help in filing the tax returns but also employ legal measures to cut down on charge. They know the law-compliant strategies that will suit the current situation of the business, knowing they must raise the profit margins as much as possible. They lower the tax burden on the company and your taxes too.
They do the tax planning for you; something software cannot do.
Including an auditor in your team from the start is a sure bet? Why? They make your business experience better regarding making the right decisions, propelling the business towards its goals, realising greater profits while eliminating unnecessary costs on the company, keeping the market up to date with the economic trends and legislation, ensuring proper taxing and advising the business when challenges hit. With the right chartered accountancy, like Peach Wilkinson's you utilise this and much more benefits. Again, something a software would never achieve.
An accounting software is dependent on the information fed in; it does not see beyond this; the future, the current trends, changes in needs, your vision and goals, your background and a whole load more. Only a qualified CA can pull this for the success of your business.
To realise the full potential of chartered accountancy, get in touch with Peach Wilkinson Ltd. With their vast experience and intellect, they meet all your business' accounting requirements, ranging from chartered accountancy, tax-related issues and bookkeeping to professional advice for your business' prosperity. One more thing – consultation is free!
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Copyright © 2015 Peach Wilkinson Ltd - Chartered Accountants in Sheffield
Peach Wilkinson Accountants, 78 Cross Hill, Ecclesfield, Sheffield, South Yorkshire, S35 9TU | Tel: 0114 240 2392 | Sitemap


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I recently did research on cyber law in South Carolina for legal publication, and I interviewed a top mind in cyber security on keeping your family safe. He happens to have both military and civilian, large corporation experience in cyber security. He also happens to be my husband.
There have been a lot of posts circulating about what is and what is not a threat out there. Here's how parents to all ages can keep their family cyber secure:
1. Do not post nude or partially nude pictures of your child on Facebook
No matter what your privacy settings are and who your friends are, these pictures can end up on pornographic sites without your consent or knowledge. There are so many being added so quickly, you may never know and it is impossible for the FBI to come close to removing them all. Never make the mistake of thinking a photo is too innocent or a child is too young. Always check your security settings, and do not add people you do not know or don't feel comfortable adding. This happens.
2. Use parental controls
They are on TVs, phones, and tablets. Utilize them.
3. Limit screens and internet for younger children
Too much can become an addiction, and even educational apps can change how the brain processes new information, reducing verbal skills, according to multiple studies. (To avoid in app purchases on games, airplane mode can often be turned on).
4. Educate tweens and preteens on the law and internet safety
Inform them they can be charged with a federal offense for exchanging pictures of underage people, even themselves. Hacking, illegal downloads, etc. are also illegal and can result in having a lifelong ban from certain jobs, scholarships, etc. Did you know smart phones under local law can be computers? Here's the law.
5. Use good passwords to protect your family
Be sure to avoid websites and links/downloads from strangers or even that look like they are coming from friends but seem out of character. Struggling to find something to use for a new password? Try a part of a number that means something to you but doesn't have an obvious connection to guess, like your childhood friend's landline you dialed 100 times or the time of day your kid was born. You could use a favorite book character's name with the age you first read the book.
6. Have access to your child's phone and accounts
It is nearly impossible to keep kids off social media; likewise, they will meet friends online. Warn kids not to meet people from the internet in person alone and keep an eye on it. For emergencies, you should always be able to access their phone and accounts. Just following/friending them will not show you anything they try to screen from your view. Also, young adults don't often talk about being bullied or bullying, but can be seen on their social media and phones.
7. Do not post your location, especially if it is part of your routine or you are out of town
This tells people where you are when. Check in after you leave a place, if you cannot help yourself from posting. Remember, you might trust your friends, but you can trust everyone they might mention it to?
8. Do not share things that identify a child
Requests such as "help us show how fast an image travels" can be dangerous. It takes just moments of searching to locate the class, the town, the school, their name, their likes, the school schedule, etc. These, like locations, are a map to a person that is now all over the internet.
9. Learn how to not just delete or ignore, but to BLOCK numbers and profiles.
Report content, harassment, and threats as needed to social media and when appropriate law enforcement.
10. It's important that kids know not to give out information in conversation to strangers or assume the information they are given is true.
For example, you might not give your age but answer these questions: Do you have brothers? Older or younger? How old? Do you go to the beach a lot? What sports do you play? School mascot? These questions seem like small talk but can tell me your age and location. Remember, anything someone tells you online might be a lie, even claiming to be someone you DO know.


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How Can One Shelter Parent Assets on the FAFSA?
Money in savings count as assets on the FAFSA and may affect financial aid eligibility.
By The Fastweb Team
September 14, 2017
My daughter is going to college next year. We have to file the FAFSA in October. We have money in our savings account that we saved for emergency reasons and some for my daughter's college. Will this affect her chance in getting grants or loans? What should we do? — G.N.
Money in a savings account counts as an asset on the Free Application for Federal Student Aid (FAFSA) and may affect eligibility for need-based student financial aid.
Most personal finance experts recommend keeping 3 to 6 months salary in an emergency or rainy day fund. The size of the emergency fund is based on the average duration of unemployment. During the current economic downturn, some people recommended increasing the size of the emergency fund to 6 to 12 months salary.
The FAFSA does not have an exclusion for money in an emergency fund. This is in contrast with the CSS Financial Aid PROFILE Form, which subtracts an allowance for emergency reserves from assets. The PROFILE is a supplemental form used by about 250 mostly private colleges for awarding their own institutional aid funds. This is one of the few areas in which an institutional need analysis formula may yield a lower expected family contribution than the federal need analysis methodology.
Despite the lack of an exclusion for emergency funds on the FAFSA, the impact of parent assets on the student's eligibility for need-based aid is often small. If the parents qualify for the simplified needs test, all assets will be disregarded on the FAFSA. To be eligible for the simplified needs test, the parents' adjusted gross income must be less than $50,000 and the parents must have been eligible to file an IRS Form 1040A or 1040EZ. (There are other ways of qualifying for the simplified needs test, such as by qualifying for certain means-tested federal benefit programs.) Even if the family does not qualify for the simplified needs test, the FAFSA ignores the net worth of the family's principal place of residence, the value of any small businesses owned and controlled by the family, and assets in qualified retirement plan accounts. There is also an asset protection allowance based on the age of the older parent that shelters about $40,000 to $50,000 of parent assets for most parents. (The asset protection allowance is based on the present cost of an annuity which would, at retirement, supplement Social Security benefit payments to a moderate living standard. The asset protection allowance can vary significantly from one year to the next based on changes in the Consumer Price Index.) Any remaining reportable parent assets are assessed according to a bracketed scale, with a top bracket of 5.64 percent.
Approaches to Sheltering Money Often Backfire
There are ways of reducing the impact of parent assets to zero, but each method has its own flaws. Most approaches involve saving or investing the money in a non-reportable asset, such as a qualified retirement plan account. (Investing the money in a small business or using it to pay down the mortgage on the family home may work for federal and state student aid, but not for money from the college's own need-based financial aid funds.)
The flaws in these approaches do not make them suitable solutions for sheltering an emergency fund.
One approach is to save the money in a Roth IRA, which is not reported as an asset on the FAFSA. Given the low annual contribution limits on a Roth IRA, using this strategy will take several years to implement. So long as one does not take a distribution from the Roth IRA while the student is enrolled in college, it will have no impact on need-based aid eligibility. But the family cannot take any distributions from the Roth IRA, not even a tax-free return of contributions. A tax-free return of contributions will be reported as untaxed income on the FAFSA. Regardless of whether the distribution is taxable or not, it will reduce aid eligibility by as much as half the distribution amount.
Another approach involves saving the money in a whole life or cash value life insurance policy. These are not reported as assets on the FAFSA because they are treated like qualified retirement plan accounts. (Note, however, that there has been so much abuse of this provision that the favorable treatment of these life insurance policies may be eliminated in the future.) Any distributions from such a life insurance policy will count as untaxed income on the FAFSA, and may also involve high surrender charges. One could borrow from the life insurance policy's cash balance, but then the interest payments merely substitute for the income the money would have earned had it remained invested. Any unpaid interest will be added to the loan balance, causing the borrower to be charged interest on interest. This accrued but unpaid interest will eventually be treated as income by the IRS. The interest payments also cannot be deducted on the borrower's federal income tax return, unlike the interest on student and parent education loans. Even if the family does not take a distribution or loan from the cash balance, the return on investment after commissions and expenses is lousy, among the worst available. These products are more to the benefit of the salesperson than to the insured.
Both of these approaches suffer from a critical flaw, in that they tend to limit access to the investment. A rainy day fund must be saved in an easy-to-access liquid form, such as a savings account or money market account. If an emergency arises, the family will need quick access to the money. Most methods of sheltering money from need analysis are not very liquid and will result in a significant penalty by reducing the student's eligibility for need-based financial aid. This will hurt the family even further at a time of severe financial distress.
Need Money to Pay for College?
Every semester, Fastweb helps thousands of students pay for school by matching them to scholarships, grants, and internships, for which they actually qualify. You'll find high value scholarships like VIP Voice's $5,000 Scholarship, and easy to enter scholarships like Niche $2,000 No Essay Scholarship, and internships with companies like Apple, Google, Dreamworks, and even NASA!
Join today to get matched to scholarships or internships for you!


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2 015
Short Citation:
Hoàng-Hòa et al., 2015
Elsevier, Comptes Rendus Geoscience
Passive samplers for collection of coarse airborne particulate matter have been installed in and around the coal-mining town of Cam Pha, Quang Ninh Province (Vietnam). Analysis of Pb, Sr, and Nd isotope ratios and of major and trace element distribution patterns in atmospheric particulates collected at three stations allowed for the identification of four important dust components: (1) coal dust from an open-pit mine and fly ash particles from a coal-fired power station, (2) diesel soot, (3) traffic dust from metal, tire and pavement abrasion, and (4) limestone-derived dust. Outside of the coal-mining area, traffic-derived dust defines the atmospheric baseline composition of the studied environment.
Research Tracks:
Ocean and Climate Dynamics
Research Track Category:


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Arrivals and Departures
We welcome the pupils who have commenced in St Colmcille's BNS, and we look forward to working with them and their parents during the coming years. We thank Ms Bernadette Sweetman and Mrs Appenah, both of whom resigned at the end of the school year, for their years of devoted service to our school, and we take this opportunity to wish them well for the future. We thank Ms Rachel Lawlor who was a substitute in our school for a number of months, and we welcome back Ms Fiona Seaver and Ms Cindy Hickey. We send our best wishes to Mr Barney Donnelly who has retired, and we welcome back Mrs Pamela Moans who has been re-appointed.
Congratulations and Best Wishes
We send our congratulations and best wishes to Ms Lorraine Smith and Mr Ron Wainwright, and to Ms Olivia Clinton and Mr Ciarán Dunne who have recently become engaged.
Sponsored Jog
The jog was held on Friday, 30 September 2011. We are deeply aware of the much harsher economic times which are impacting on all members of our school community, and we thank the parents and pupils who have contributed the sum of €7,478.92. At the time of writing, the number of cards not returned was 100. This is a very significant proportion of our school community who have not made any contribution to the provision of resources and services during this school year. We hope that all parents and pupils will make some contribution to school funds because money from the sponsored jog enables us to provide a level of service which would be impossible without the additional funds. The raffle for pupils who have contributed at least €10 as a result of the jog will be held on Friday, 28 October 2011.
The following initiatives have been undertaken during the past few months:
- 8 new interactive white boards installed in mainstream classes
- 9 data projectors installed in resource rooms
The total cost of this initiative was €30,000 approximately. It is hoped to install some additional interactive whiteboards, if the funds are available. The possibility of installing a synthetic grass surface on the Junior Playground is also being investigated, if funds allow such an expenditure.
Duty of Care / Behaviour in Junior Yard Prior to 8.50 a.m.
This is a reminder with regard to the commencement of the School's Duty of Care. It is important to bear in mind that parents are responsible for their children prior to 8.50 a.m. The boys are expected to assemble in their lines and not to run around the yard, through flowerbeds and into the car parks. There has been a significant departure from correct practice since we returned to school, and we ask the co-operation of parents to ensure that we do not have to deal with accidents or incidents of misbehaviour
Traffic in School Grounds
Our insurers have asked that attention be drawn to the importance of preventing unauthorised access to the school grounds by people driving children to school. There is no permission for parents / guardians to drive cars into the school grounds.
Education Cut-Backs
The infant enrolment is considerably lower this year, and this will result in a significant reduction in the capitation grant which the school will receive from Department of Education and Skills.
Transfer to Post-Primary Schools
With regard to St Finian's and Fingal Community Colleges, application forms have been given to the pupils in 6th Class and should be returned to the particular schools as soon as possible. Coláiste Choilm uses a booking system so it is important for parents to make application for their sons as soon as possible, irrespective of the class in which the boys are at present.
- To the parents who have contributed uniforms and tracksuits, we extend our thanks. Donations of this nature are always very much appreciated
- To the Parents who have sourced pcs and laptops for the school
- To the parent who presented a set of National Geographic magazines to the school
Well Done
Congratulations to the members of the Parents' Associations and the Board of Management who organised so successfully and attended the inaugural Teddy Bears' Picnic for our new pupils in Junior Infants
Parents' Association
We thank the members of the Parents' Association for their support and co-operation during the past year, and wish them well for the coming year. We urge as many parents as possible to become actively involved in the Parents' Association, and if at all possible to attend the AGM which will be held in the school hall at 8.00 p.m. on Tuesday, 25 October.
Important Dates
Times and Dates of Some Liturgies
Focal Scoir
We thank all members of the school community for their support and co-operation and wish them well as we endeavour to do our very best for the pupils entrusted to our care.
Ní neart go cur le chéile.


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Opening day of the 2016 deer season is the day that every deer hunter across Iowa has been waiting for. What will this year's deer season bring? And where will opportunities be better than others to fill that all-important tag we purchase each year.
In this first edition of the 2016 Iowa Deer Forecast we'll take a look at harvest reports from last year, find out where greater numbers of deer exist and help you broaden your chances of filling your tag. We'll also look at harvest trends and see where the state is in its deer management goals to date.
The overall objective for the Iowa Department of Natural Resources has been to decrease the Iowa deer population to numbers that existed in the mid or late '90s.
"In order to achieve population goals, antlerless quotas were increased from 2006 until 2013," said Iowa Department of Natural Resources Biometrician Andrew Norton. "Since 2014, it appears the current regulations, which have been similar in the past two hunting seasons, have stabilized the deer herd." Most areas are similar, but some regions across the state do not follow the overall statewide trend.
Iowa has a healthy deer heard that all can enjoy. There will always be challenges to managing deer in urban areas and other refuges such as state and county parks, where restricted hunting opportunity exists. However, special hunts have been successful reducing deer numbers in those areas.
"The harvest had a slight increase last year from 101,595 deer harvested in 2014-2015 to 105,319 harvested animals in 2015-2016," Norton said. "The antlerless quota remained the same for the 2015 season."
There was some EHD (Epizootic Hemorrhagic Disease) reported, Norton advised, mostly in southern Iowa. However, it was less extensive than in past years, he noted.
The late and mild winter that Iowa experienced during the 2015-2016 deer season will be good news for hunters, as food sources were readily available and deer were not overly stressed due to weather.
"In general there were no significant changed in 2015-2016 from the previous year," added Norton. "There were a total of 172,319 licensed hunters in 2015-16." Of the reported total harvest of 105,319, does totaled 48,207. There were 47,398 bucks harvested and 9,714 button bucks.
Planning for the 2016-2017 deer season may take bit more strategy as deer numbers begin to stabilize. One of the benefits of living in Iowa is that we can easily travel to opportune hunting grounds within a day's drive. We also have special management hunts that you can take advantage of, and we'll highlight those later.
Let's break down the top 10 counties in Iowa for 2015-2016 and see where you might have a better opportunity to fill your tag. Allamakee County tops our list, with a total harvest of 3,633deer. Of those there were 1,858 does harvested, 259 button bucks and 1,516 antlered bucks. The total harvested report per square mile was in impressive 5.71 deer. Dropping from our top spot in the previous season to second is Clayton County, with a total of 4,381 deer harvested. Though the total number of deer is greater than that of Allamakee County, Clayton County is larger in size, covering 779 square miles, as opposed to 636 square miles for Allamakee. There were 2,149 does, 379 button bucks and 1,853 antlered bucks harvested last season. The average harvest was 5.62 deer per square mile.
Van Buren County is No. 3 in our list, and it had a total of 2,525 deer harvested. Of those 1,217 were does, 265 button bucks and 1,043 antlered deer, giving the county a 5.18 deer per square mile harvested. Following Van Buren County is Lucas County, with a total of 2,113 deer harvested. Does make up the greatest part of Lucas County's harvest, with 1,013 animals harvested last season. Button bucks totaled 245, and the balance was antlered bucks, at 855. The total reported harvest per square mile was 4.87 deer. Warren County rounds out the top 5, with a total of 2,725 deer harvested averaging 4.76 deer per square mile. Of the total harvest 1,271 were does, 265 were button bucks, and 1,189 were antlered bucks.
Madison County followed with a total of 2,599 deer harvested. The county averages 4.61 deer harvested per square mile. Of the total harvest, 1,316 were does, 270 were button bucks and 1,103 were antlered bucks. Jackson and Marion counties are seventh and eighth in our count and had a total harvest of 2,771 and 2,188 harvested deer, respectively. Jackson County had a 4.3 deer per square mile harvested, and Marion County averaged 3.86 deer per square mile. Rounding out our top ten for the 2015-2016 season are Monroe County and Clarke County. There were a total of 1,674 deer harvested in Monroe County and 1,627 taken in Clarke County, with an average of 3.85 and 3.79 deer harvested per square mile.
The top 10 counties for the 2015-2016 season had a total of 26,236 deer harvested. The average harvest per square mile for all these counties was 4.66 deer. Of those deer harvested 12,743 were does, 2,474 were button bucks and 11,019 were antlered bucks. Based on the number of deer harvested and the higher average of deer per square mile for 2015-2016, these counties offer you better opportunities to fill your tag for the season.
As you vie your options to filling a tag for this season, participating in a deer management zone hunt may be a good choice.
Typically, deer herds in these areas are larger and in need of management to prevent negative impact on commodity crops as well as natural vegetation. Without these hunts these areas become deer refuges with high densities of deer that can cause problems on neighboring properties.
All the deer taken are antlerless, and deer tagged do not count against a hunter's regular license or bag limit. These are great opportunities to help manage the deer population and most of these hunts are very successful in removing deer in problem areas.
Let's take a brief look at the top five special management zones for the 2015-2016 season. The Polk-Dallas County deer management zone (DMZ), archery only, had 614 licenses sold. The doe harvest there was 263 animals. There were also 40 button bucks harvested in that zone last season. The Iowa Army Ammunition Plant, or IAAP DMZ as it is commonly referred to, is second in management hunts for 2015-2016. There were a total of 367 licenses sold and a doe harvest of 156 deer. There were also 54 button bucks harvested in that area.
The Johnson County DMZ follows, with 475 licenses being sold and a total harvest of 162 deer, including button bucks and shed bucks. The City of Dubuque DMZ had a harvest of 99 deer in total, and there were 183 licenses sold for that special hunt. Topping out the top five DMZs is the City of Council Bluffs, with 94 does harvested and 171 licenses sold.
In all there were 1,820 deer harvested out of the 50 deer management zone hunts for the 2015-2016 deer season. As we've already noted, these harvested deer do not count against the regular season license or bag limit, providing you with an increased opportunity to harvest a doe. A full list of the DMZs can be found at the Iowa DNR's website.Each zone listed in the downloadable document will have contact information as well as the number of licenses that are available.
"Most of the DMZ hunts are antlerless only," added Norton. "But a few have incentive tags where a hunter can earn a buck tag."
Many of these have a special season and are archery only. However there are a few that include muzzleloader or firearm. There are also zone maps that you can download that will highlight zone boundaries and locations.
Two of the deer management hunts are mentored deer hunts. These are unique opportunities for first time hunters to be introduced to whitetail deer hunting. One of which I've been a part of for two years is the Warren County Mentored Deer Hunt hosted by the Warren County Conservation Board and sponsored by Ahquabi Chapter of Whitetails Unlimited.
"The first Warren County Mentor Hunt was held Nov. 13-15, 2009," said Warren County Naturalist Logan Roberts. "That year we had six participants in the program."
Each mentor hunt is preceded by an informational day where The Iowa Department of Natural Resources provides education in deer biology and history as well as laws pertaining to hunting here in Iowa. Part of the introductory day is a field portion. There are three stations set up for the afternoon, including tree stand safety, tracking and the shotgun range.
"We've had several different formats for having the information day followed by the days we hunt," continued Roberts. "The first year the information portion of the weekend took place Friday evening and Saturday morning. We then hunted Saturday afternoon and then all day on Sunday."
In the following years they had the informational portion of the program broken down into three small sessions, followed by hunting on Saturday and Sunday.
"I think it's amazing that even if a participant doesn't harvest a deer they can learn so much in just two weekends," noted Roberts. "They can see natural things they've never seen before, observe animals they've never encountered before and experience shooting for the first time."
There are without a doubt a great number of opportunities for hunters across the state to get out and fill their tags this season. Deer numbers are stabilizing, which challenges hunters when it comes to preparation. With goals at or reaching the mid-to-late 1990s numbers we still had an increase of 4 percent in the 2015-2016 season.
There are certainly plenty of deer in Iowa, and opportunities abound. You just might need to put in an extra effort in some cases. Iowa's hunters are to be commended for their efforts to manage deer. You hold the key to having a good quality deer herd, and the number and quality of the animals is directly dependent on the choices you make in the field. We are all stewards of the wildlife in Iowa. Take time to report your harvest, as not doing so will negatively impact future hunting opportunities and management decisions.
As we spend time in the field enjoying the natural resources that we have in this state, let's remember to pass on the torch and share our passions with first time hunters. Inviting a friend from work or your community who is interested but unsure how to get started will benefit hunting by making sure that the hunting heritage is understood, shared and continues to be passed on.
In the second part of our 2016 Iowa Deer Forecast next month we'll take a look at some of the trophies that were harvested during the last deer season and will highlight areas where you might find some of these big bucks. We'll also take a peek at where Iowa is with its CWD monitoring and share any updated information with hunters. Until then…Good Hunting! ■


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Hot Off The Press – Working With Enta
One of our Administration Interns has been busy this month making her way into the news!
Beth joined Creative Support in the West Midlands as part of her Business Administration Apprenticeship and has been a valued member of the team since.
Beth recently made the news for her hard work and development at Enta. After being forced to quit college due to health problems, Beth has worked really hard to find an alternative path for her development and came across Enta CIC, a charity that provides training, guidance and support to people to help them overcome any barriers to work and paid employment. Beth has now completed Level One of her Business Administration Apprenticeship, and is working towards Level Two.
Beth's main roles within Creative Support include paying peoples wages, recruiting members of staff and ensuring that the phones are answered at all times. Beth is a fantastic member of our team and we congratulate her for her recent local fame!
Click here to see a fabulous photo of Beth and to read her story.
By Amy Jones, Midlands Development Officer


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