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Some may blame their employer for allowing fees to be deducted from their accounts
Members may download one copy of our sample forms and templates for your personal use within your organization. Please note that all such forms and policies should be reviewed by your legal counsel for compliance with applicable law, and should be modified to suit your organization's culture, industry, and practices. Neither members nor non-members may reproduce such samples in any other way (e.g., to republish in a book or use for a commercial purpose) without SHRM's permission. To request permission for specific items, click on the "reuse permissions" button on the page where you find the item.
Updated added: 2/3/2012:
DOL Extends Deadlines for Service Provider andParticipant-Level Fee Disclosures
The U.S. Department of Labor's (DOL) Employee Benefits Security Administration (EBSA) published its long-awaited final rule, "Reasonable Contract or Arrangement Under Section 408(b)(2) – Fee Disclosure," in the Federal Register on Feb, 3, 2012. The final rule requires retirement plan service providers to disclose to plan sponsors the administrative and investment costs associated with their plans. It extends the effective date to July 1, 2012, for new and existing contracts or arrangements between service providers and plans covered under the Employee Retirement Income Security Act (ERISA).
Another set of required fee disclosures, from plan sponsors to 401(k) plan participants (participant-level fee disclosures), is set to take effect 60 days after the service provider fee disclosure deadline. Due to the extension of the effective date of the final rule, plan administrators for calendar year plans now must make the initial annual disclosure of "plan-level" and "investment-level" information (including associated fees and expenses) to participants no later than Aug. 30, 2012, and the first quarterly statement (for fees incurred July through September) must be furnished no later than Nov. 14, 2012.
To learn more, see the SHRM Online article "DOL Final Rule Extends Deadlines for Service Provider and Participant-Level Fee Disclosures."
The U.S. Department of Labor's final rule requiring greater fee disclosure to participants in 401(k) and similar retirement plans—starting by Aug. 30, 2012—will be received by many employees as generally good news. But not by all.
It will be good for employees who work for organizations that have been informing them about the 401(k) fees they pay. It will further clarify and reinforce what they know. Yet even for these employees, it might be the first time they learn about the plan's administrative and other fees.
For employees who believe their 401(k) is free—bad news. These "you never told me" (YNTM) employees could blame their employer for allowing fees to be taken out of their accounts without telling them. For some YNTM employees, having never been told they were paying fees may matter as much or more than the size of the fees.
Most Don't Know; Management Thinks They Do
In a 2007 AARP study:
• Only 17 percent of U.S. employees said they knew they were paying 401(k) fees.• 65 percent believed that they paid no fees.• 18 percent were not certain.
• Only 17 percent of U.S. employees said they knew they were paying 401(k) fees.
• 65 percent believed that they paid no fees.
• 18 percent were not certain.
In other words, 83 percent were YNTM employees.
A good way to find out if you have YNTM employees is to ask them (other than HR and finance staff) a few questions, such as "Our 401(k) is free, isn't it?" and "The company pays all the 401(k) fees, doesn't it?"
It's no mystery why some people think 401(k)s are free. Things we buy have price tags and sales receipts—except many 401(k)s and health care services. And a few of the 401(k) fee explanations have been more obfuscation than clarification.
In a 2009 Transamerica study, 73 percent of 401(k) plan sponsors said they believed that their employees had a clear understanding of fees. That could lead CFOs or chief legal counsel to conclude, "It's no big deal. Just send out the disclosure and tell employees their fees are now even easier to understand. They'll be happy."
YNTM employees won't be happy.
Fee Communication's Downside
An organization's "true colors"—how it really values its employees—show when it has to communicate bad news. When things are good, it's easy to say "We're a best-in-class employer; we have direct and honest communication."
If plan sponsors have not been communicating clearly about fees, their YNTM employees might see the new disclosure as proof that these are empty slogans. This erodes trust between the organization's most valuable resources and management. Trust is a key ingredient in retaining high-performing employees.
Some employees will be in the "I've never read that" group. Plan sponsors that have been communicating fees prominently should consider adding a phrase in the new disclosures such as, "As we have shown for several years in the highlights brochure …" That could help dampen these employees' negative reactions.
If this will be the organization's first easy-to-understand fee disclosure, tell the leaders responsible for the 401(k), benefits and employee communications to prepare now for unpleasant questions and negative reactions.
News organizations are publicizing the coming of 401(k) fee disclosure, and YNTM employees might learn more about fees soon. They might call, e-mail or tweet their questions and concerns to the retirement plan's call center, HR staff or executives, putting them on the defensive. It makes the situation worse when answers aren't immediately forthcoming. It's worse yet when the answers differ among various sources.
Choosing Among Not-So-Good Choices
If there has been no clear fee communication, plan sponsors might need to explain the employer's role in not communicating earlier. There is no great choice in this situation, only the lesser of the bad choices.
To begin, solicit input from senior management, legal counsel, benefits staff, fund managers, the record keeper and others who likely will become involved in discussions with YNTM employees. Then consider these approaches:
"We recently learned about the fees, and now we are telling you."Telling employees that their employer is just as surprised as they are might deflect any ensuing anger toward the record keeper and fund managers. But sooner or later, won't employees question why the plan administrator or HR did not know about the fees? And if blame is directed to the record keeper and fund managers for not disclosing fees, won't employees expect them to be fired, perhaps sued?"We assumed you knew …"Another not-so-good approach is to include with the fund disclosures an insert that states, "This is a government-required summary. As you know, fees are taken out of your …" Prepare for a backlash. YNTM employees could ask, "Why would you think we knew? You never told us.""We had to wait for the government's form."Plan sponsors could blame the government. But they might still need to answer, "Why didn't you at least tell us something?""We are sorry we didn't make this clearer before now …"Apologizing is honest. And honesty is better than other approaches. But being sorry might not let plan sponsors off the hook for uncomfortable questions such as "Why did you let us go on for years believing the 401(k) was free?" If it's likely that the plan sponsors will eventually have to issue an apology for not communicating, then they probably should start with one.
In addition, plan sponsors must decide how to introduce the new fee disclosure. Will they just send it out or have some communication leading up to it? Will they publish background information in the organization's newsletter (electronic or paper) about how investments are selected and the role fees play in the selection? Will the organization's leadership be involved? Will the record keeper or fund managers send employees a letter, be interviewed in a newsletter or conduct meetings following the disclosure?
Don't Overlook the Positives
Don't try to spin bad news as good news. But consider mentioning what might be some positive things.
If the organization provides automatic or matching contributions, perhaps it could show how that money was far more than enough to pay the fees.If the organization is paying some or all of the recordkeeping, consulting, legal or related fees, mention that.Don't overlook the employer-paid salaries of people who manage and support the plan.
Another positive is that a related DOL rule—recently delayed until July 1, 2012—requires that detailed fee disclosure be made from service providers to plan sponsors. This will make it easier to evaluate fund managers and providers and to determine whether the fees are reasonable and competitive.
Delivering the Tough Content
Part of doing an effective job communicating bad news is preparing for the worst. Start by considering how to answer tough employee questions. Again, invite the benefits, HR and communication staffs, as well as representatives from the record keeper and investment funds, to help brainstorm the content. Then use their responses to write statements that deal proactively with employees' concerns and alleviate their need to ask these tough and uncomfortable questions.
It doesn't work to wish away tough questions. But plan sponsors might be able to provide enough information in the announcement so they end up addressing the issues before employees ask.
Here are some tough questions that may help plan sponsors prepare the content they want to use in the fee disclosure communication:
Until now you haven't told us about the 401(k) fees we've been paying. What else about the 401(k) haven't you told us?Why do you use "basis points," "expense ratios" and "load" to hide fees? Why don't you just call them "fees"?In the highlights brochure it says "you do not pay sales fees." But it never says we pay any other fees. Why did you mislead us?My neighbor pays less than $5 for every $1,000 invested. Why are we paying nearly twice that? Are our funds twice as good? And if not, can we get the same funds and fees my neighbor has?If I use a fund that has a higher price, will I get more value? Or should I just choose the fund with the lowest fees?In the 10 years that my investments went down, did you stop taking out fees?Why do I pay more just because I have a larger account? I'd get the same services if I had half as much.Show me where I signed something saying I agreed to pay anything. And tell me who got our money and what they did with it.You say the fund manager has finally provided a detailed breakout of the fees we pay. Why didn't you demand an accounting long ago?We were never told in simple terms that fees were being taken out. Can we sue to get our money back?
Keep in mind that if YNTM employees don't learn all they want to know from the disclosure, they will look for other sources of information. They might take the responses they get and spread them through the organization in conversations and social media.
A Model that's Missing Vital Parts
The DOL offers model disclosure charts that employers can follow. It's a template to present fee information, historical performance comparisons of the investment options and select benchmarks, as well as a summary of any annuity option.
Like many investment fund summaries, the DOL's model sends a mixed message. It has the obligatory "don't rely solely on past performance in judging …" type of statement. Then it shows only history. It's curious that one of the most agreed-on principles of investing is missing—asset diversification.
Adding a few words about each fund's goals and diversification would be useful along with fee information.
Also missing from the model is an ingredient required in good employee communication: an answer to "What am I supposed to do with this information?" Unless this is addressed, will employees believe that the communication is subtly telling them to pick the cheapest fund?
Consider including a statement such as "Although low fees are an important consideration, some funds with higher fees might better meet your investment needs and goals. The plan offers choices so you can select the fund or mix of funds that you find works best for you."
All fee disclosure communication should be reviewed by legal counsel and service providers.
An Unfortunate Distraction
Fees should have been communicated clearly to employers and employees 20 to 30 years ago. Unfortunately, this communication, which is part of the evolution of 401(k)s into more-effective retirement plans, now risks turning some employees against the plans because of a "gotcha" over fees. And it comes when employees need to be saving more for retirement, not less.
Despite past omissions, starting now to be clear and forthright about fund and plan fees can promote trust and encourage employees to use their employer-provided plan to save for their retirement needs.
For 20 years, Dennis Ackley has been an advocate for clarity and accountability in 401(k) education, helping workers gain the basic knowledge needed to begin achieving the financial future they want. His award-winning communication programs on retirement and employee benefits have reached 3 million employees at hundreds of employers.
Related Articles:
DOL Aligns 2012 Deadlines for Retirement Plan Fee Disclosures, SHRM Online Benefits Discipline, July 2011
What 401(k) Plans Can No Longer Hide, SHRM Online Benefits Discipline, February 2011
Non-Mutual Fund Investments Complicate Fee Disclosure, SHRM Online Benefits Discipline, December 2010
Fee Disclosure Rule Puts Spotlight on Investment Committees, SHRM Online Benefits Discipline, December 2010
Final Rule on 401(k) Fee Disclosure to Participants Seen as 'Reasoned Approach, SHRM Online Benefits Discipline, October 2010
DOL Issues Interim Final Rule on Disclosing Retirement Plan Fees (from service providers to plan sponsors), SHRM Online Benefits Discipline, July 2010
Answers to 401(k) Questions that Matter Most, SHRM Online Benefits Discipline, October 2009
Related Resource—External:
New Participant Fee Disclosure Rules: What Plan Sponsors Need to Know, The Principal Financial Group, January 2011
Quick Links:
SHRM Online Benefits Discipline
SHRM Online Retirement Plans Resource Page
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text:
Smith v. Ally Financial Incorporated
Filing 22
JUDGMENT re 21 Order dismissing the complaint with prejudice. Signed by Judge D. P. Marshall Jr. on 2/2/12. (kpr)
Disclaimer: Justia Dockets & Filings provides public litigation records from the federal appellate and district courts. These filings and docket sheets should not be considered findings of fact or liability, nor do they necessarily reflect the view of Justia.

subset: commoncrawl


text:
OH I am so happy that I've gotten back into making bread. After the success of Dom's pumpkin bread earlier this week I thought that I'd use some more of the Waitrose Love Life malted seeded flour to make another cluster bread, minus the pumpkin.
I used my standard Kitchen Aid recipe; 500g flour, 1tsp yeast, pinch of salt and 250ml warm water so the loaf was smaller than the pumpkin loaf (20cm tin instead of 23cm), making the rolls slightly more manageable. We aren't really a sandwich household...much prefer a hunk of bread with butter and cheese than a neatly made sandwich, so a cluster loaf suits me just fine! Plus...I can freeze the individual rolls.
I'm not sure what Paul Hollywood would say about the texture and crumb etc. but I think it's great!


text: We have just returned from our trip to South Africa to visit Vashti, Martin and the boys. Joseph is now 22 months old, Vashti & Martin adopted him when he was 2 months, they adopted Jesse when he was 5 months and he is now 11 months old. They are a delight and I thank God for choosing them to be a part of our family.


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Roger Dean sues over Avatar movie
Dean claims visualisation of Pandora, the world on which the film is set, was based heavily on his artwork.
He's demanded $50m in damages – and he also wants Twentieth Century Fox to ensure Avatar is never seen again in its current form.
In papers lodged at New York District Court last week, and revealed by Deadline, Dean's representatives argue that floating islands and stone arches as seen in the movie bear so much resemblance to his creations that it amounts to breach of copyright.
The document says: "Plaintiff has been a well-known and successful artist and designer for more than 45 years. Plaintiff is recognised internationally for architectural concepts, stage, furniture and logo design – but particularly for his paintings of unique and original landscapes that feature geological forms not otherwise occurring in art or nature."
Dean cites three books – Views from 1975, Magnetic Storm from 1984 and Dragon's Dream from 2008 – as evidence his work existed before Cameron made Avatar.
"The similarities of such work are substantial, continuing and direct, so as to rule out any accidental copying or similarity in scenes common to the genre," the paper says.
"The infringing portions of Avatar are so similar to Plaintiff's works that Defendants must have had access to Plaintiff's works."
Along with a cash settlement and a public statement admitting he was the creator of imagery used in the film, Dean wants Fox to "cease and desist from any further reproduction, distribution, transmission or other use."
If judgement is found in his favour, it means the original version of Avatar would have to be scrapped, and any sequels will look massively different from the production seen on release.
Entertainment Weekly reports that Cameron was asked in 2010 if he got the idea for floating mountains from a Yes album cover, and answered: "It might have been, back in my pot-smoking days."
Former Yes keyboardist Rick Wakeman last week confirmed Dean is working on new sets for a 2014 touring production of 1974 album Journey To The Centre Of The Earth.
source: classicrockmagazine.com
Posted by Admin at 7:41 AM Links to this post
Labels: Artist, Artwork, Avatar, James Cameron, Lawsuit, News, Roger Dean, World News
Getting the Best Car Insurance Quotes Online
It's so simple to do comprehensive rate assessments on the internet and allows you to get your car insured at the lowest possible premium. Numerous insurers also offer specially lowered rates through this medium. Customers can get insurance at low premiums without missing out on high quality service.
Finding affordable car insurance is not just about looking for the cheapest premiums. You will furthermore have to balance a number of other components to make sure you are getting good worth for money.
your age and factors like the distance of your workplace from your home and the usage of the car also contribute to the premium rates. You can inform insurance companies all these aspects and get a great deal. Car insurers are likely to offer very good deals for new customers making an effort to find a better car insurance deal, the fact that many insurers will offer additional discounts for car insurance deals bought online with added savings.
When you have them, you have to be exceptionally cautious in settling on your decision. Insurance companies are required to give you state minimums but you are responsible to make sure you carrying the right insurance.
Posted by Admin at 7:24 AM Links to this post
Labels: Car Insurance, Car Insurance Deals, Car Insurance Quotes, Car Insurance Quotes Online, Cars, Finance, Insurance, Internet
Jagger 'makes best' of undemanding career
Mick Jagger is proud of his achievements as frontman of the Rolling Stones – but he admits to sometimes wishing he'd followed another path.
He says his job is "undemanding" when compared to being a teacher, politician or journalist.
Ahead of the Stones' long-awaited headline slot at Glastonbury tonight, Jagger tells the BBC: "I'm sure everyone wishes they'd tried to have been… I'd have been a dancer, if anything.
"A schoolteacher would have been very gratifying, I'm sure. There's millions of things you would loved to have done – politician, journalist; I thought of being a journalist once."
But he says he doesn't suffer any regret. "You could think, 'Well, I would have liked to have done that,' but that's completely pointless. Everyone wants to have done more things in their lives.
"I don't feel frustrated for lack of control, and I'm very pleased with what I've done."
He adds light-heartedly: "It's a slightly intellectually undemanding thing to do, being a rock singer. But, you know, you make the best of it."
Meanwhile, bandmate Keith Richards is looking forward to appearing on the iconic Glastonbutry Pyramid Stage this evening, because he feels the time is right.
"It's almost as if you were finally destined to play Glastonbury," he says. "There were many years when we were offered it, but we turned it down.
"I look upon it as a culmination of our British heritage – it had to be done, and it's going to be done, and we'll see what happens."
Part of the Stones' first-ever Glasto show will be broadcast on BBC Two at 10.30pm tonight, following a tense round of negotiations between the band and the broadcaster.
source: classicrockmagazine.com
Posted by Admin at 2:25 PM Links to this post
Labels: BBC Two, Mick Jagger, Music News, News Keith Richards, Rock Singer, Rolling Stones, The Rolling Stones, World News
Iommi slates Sabbath 'cheap thrill' jibe
And he says his biggest regret about the band's career is the years they used cocaine, which eventually resulted in the firing of Ozzy Osbourne.
Asked if the band's Satanic overtones came about, Iommi tells the BBC: "When we did the first album the record company did the cover, and that's what done it – the inside was an upside-down cross and that's what started everybody off."
The guitarist denies the suggestion that the imagery is simply misleading, saying: "We believe in what we did. You can only judge by: we've been in it for 45 years. You answer it."
Sabbath have been linked to murders and suicides by the mainstream press for decades, with bassist Geezer Butler's lyrics frequently cited as inspiration for criminal acts. But Iommi says: "All I do is create music. I don't create anything to destroy people or to upset anybody. It's helped more people.
"The lyrics are what happens in the world. What Geezer would write about is what he'd seen and felt and what we were going through. Geezer said to me he had to write powerful lyrics to go with the powerful lyrics. It was probably my fault then!"
The band last week topped the album charts with 13, their first record with Osbourne since 1978′s Never Say Die. He was fired the following year as a result of his drink and drug issues – and Iommi admits that era is the part he most regrets about his career.
"I can't change it, but there's things you could have done in a different way," he says of the years he spent using cocaine. "If I'd known then what I know now I wouldn't have dabbled to that extent.
"It did a lot of damage. Initially we thought it was great and it was helping us create. When it came to the point we had to replace Ozzy we were in a bad way."
Asked how the firing was handled, the cancer survivor recalls how drummer Bill Ward took control of the situation. "The drummer did it; he told him. We were going to tell him all together, but Bill stepped in.
"It was a terrible thing to do – but Ozzy wasn't into it any more and he was doing too much of everything."
The full HardTalk show is available to UK users via BBC iPlayer until 1am on Friday.
source: classicrockmagazine.com
Posted by Admin at 4:29 AM Links to this post
Labels: BBC iPlayer, Black Sabbath, Black Sabbath Guitarist, Guitarist, music, Music News, News, Ozzy Osbourne, Tony Iommi, World News
Bob Dylan unveils British tour
He'll play three gigs each at Glasgow's Clyde Auditorium (November 18, 19, 20), Blackpool's Opera House (November 22, 23, 24) and London's Royal Albert Hall (26, 27, 28).
The last set of shows will mark Dylan's first appearances at the Albert Hall since his controversial 1966 tour just after he'd adopted electric instrumentation. A bootleg recording during the tour includes a fan can be shouting "Judas!" leading Dylan to tell his bandmates: "Play it fucking loud." It's often said the recording was made at the Albert Hall, but it was actually in Manchester's Free Trade Hall.
The veteran singer-songwriter was last month approved to be shortlisted for France's highest honour, the Legion d'Honneur. In 2012 he was awarded the US Presidential Medal of Freedom.
Meanwhile, a book started by Dylan's late road manager is set to be published via a Kickstarter campaign. Victor Maymudes worked with the musician from 1961 until 2000, and recorded 24 hours of anecdotes before dying of a brain aneurysm in 2001.
His son Jake, who's behind the campaign, says: "He could tell stories until your ear fell off." Episodes include Maymudes buying weed for Dylan and the Beatles, working at the Newport Folk Festival and touring Europe in 1966.
source: classicrockmagazine.com
Posted by Admin at 3:28 AM Links to this post
Labels: Blackpool's Opera House, Bob Dylan, Bob Dylan British Tour, British Tour, Glasgow's Clyde Auditorium, London, London's Royal Albert Hall, music, News
Floyd fan jailed for late-night album sessions
Paul Foster, of Chesterton, Stoke-on-Trent, was put behind bars for having ignored five injunctions against playing loud music in recent years.
Neighbours reported they'd endured night after night of having to listen to The Dark Side Of The Moon, Wish You Were Here and The Wall – followed by sessions of soul ballads.
One resident of Foster's street tells SWNS: "It's been a nightmare. I like Pink Floyd as much as the next man – but not when it's being played ten times a day until 4am.
"I've lost track of the times I've heard Barry White and Marvin Gaye coming from the house, but it was mainly Pink Floyd. I think whenever I hear their songs again I'll be climbing the walls."
It's been reported that one family moved out of the area after enduring the audio barrage from Foster, who's lived in his house for over 20 years.
He first appeared in court last September and agreed to an undertaking of future conduct, which he breached in October and December. In January he was served with an injunction banning him from causing nuisance noise, but broke it in February and March.
In April, a couple in Sweden aged 81 and 71 were charged with harassment after playing Iron Maiden track Afraid To Shoot Strangers through speakers directed towards a neighbour's home until 4am.
source: classicrockmagazine.com
Posted by Admin at 6:12 AM Links to this post
Labels: Loud Music, music, Music News, News, Paul Foster, Pink Floyd, Pink Floyd Album, Pink Floyd Fan, World News
Unsecured Business Loans Offer Easy Way To Success For Businesses
Without a doubt, proper preparation and implementation of latest trends aren't possible without appropriate financial support. For established businesses, implementing such changes isn't that wearisome but for startups, the business owner is required to arrange for funds. For the fulfillment of business needs, unsecured business loans are considered to be the best choice available in the market.
Unsecured business loans offer versatility to businesses as these can be used for any business purpose. The total amount borrowed can either be employed for initiating a new business enterprise, expansion, renovation, purchasing and re-financing in order to restructure finances or to preserve working capital for the business.
The best thing about unsecured loans is that it doesn't required borrowers to place any collateral or personal guarantee. Hence, there is no risk for borrowers of repossession of their property or valuable assets.
Due to unstable economy, banks along with other private lenders have to put interest on making any perilous decisions. If you're a high-risk customer, you have to exercise something to be able to become unsecured lender acquiescent as it's all dependent on your fund-capacity. If you can exhibit the lender that you operate a stable business with a strong business and private credit portfolio, you can successfully assure them of excellent financial standings to make a good impression around the unsecured business loan lender for approving quick financing.
Online loan application is the easiest approach to avail quick loans. Online lending is the easiest and straight forward approach which merely takes few minutes to fill and it offers funding within 24 hrs from the loan application submission. Any business can avail funds without any special documentation or requirements. Least efforts and documentation allows loan companies to approve your loan application and release funds immediately.
source: onlinecheck.com
Posted by Admin at 6:07 AM Links to this post
Labels: Business, Business Loans, Finance, Loans, Private Lenders, Quick Loans, Unsecured Lenders, Unsecured Loans, Working Capital
Online Small Business Loan Is Your Key To Success
business loan is almost impossible for them. But, there's no such root behind such quite perception. You can easily apply for a small business loan today.
Getting benefit from a small business loan is a matter of few clicks. Now a small business can easily avail financing with online small business loans. Applying for a small business loan is not just easy but also time saving.
Online small business loans are of 2 sorts just like common small business loans. One is to assist those businesses that are in need of quick funds for expansion. And another sort is usually for start ups. Such loans covers all initial expenses that might incur to kick start a new venture.
Online small business loans are available in secured as well as unsecured form. The secured small business loans are secured on borrower's collateral or personal guarantee. The borrowers can use any valuable assets as collateral collateral like, property, automobile, saving account as a security for secured loans. This way, borrowers can easily borrow big loan amounts for longer repayment terms and at lower interest rate. In case of unsecured small business loans, borrowers don't have to pledge any collateral as security for the loan amount. However, borrowers can avail short loan amounts for shorter repayment terms and at higher interest rate.
Bad credit borrowers can also avail online small business loans. Those who suffer from CCJS, arrears, defaults, IVAs, late obligations, late payments and bankruptcy can make a small business loan application. Online small business loans serve numerous benefits to small business in many ways including:
• Borrowers can easily avail funding without facing any trouble.
• The lending is available 24/7, so you'll be able to apply for small business loans anytime you want.
• Securing best loan deal is easier. By browsing through online websites of the small business loan lenders and comparing their terms and rates, you can secure the best loan deal as per your needs.
• The loan application process is far easier than traditional lending. No bulk of documentation is required. You just fill an online loan application and the amount will be transferred in to your bank account after approval.
Also before applying for a loan, checking own financial requirement and condition is necessary. Evaluate your financial requirements and then make a loan application. You must consider how much amount your business really needs and whether you can repay the amount borrowed? Reviewing such needs is compulsory before making a decision. Only a well-thought decision can get your business to the top.
source: onlinecheck.com
Posted by Admin at 6:02 AM Links to this post
Labels: Business, Business Loan Lenders, Finance, Loans, Online Loan Applications, Online Small Business Loans, Secured Loans, Unsecured Loans
ZZ Top's Billy Gibbons Remixes New Depeche Mode Single
ZZ Top isn't a band we tend to look to for innovation and change; they do one thing, and they do it very, very well. But the Texas trio can still surprise us sometimes, as evidenced by their recent collaboration with the British synth-pop veterans in Depeche Mode.
The Top/Mode teamup comes in the form of a remixed version of 'Soothe My Soul,' the most recent single from Depeche Mode's latest album, 'Delta Machine.' Released last month, 'Soul' received the remix treatment from a number of artists; in fact, the CD maxi-single includes no fewer than six rejiggered versions of the track — one of which was put together by ZZ Top guitarist Billy Gibbons with producer Joe Hardy. It's an unexpected pairing to say the least, but one that makes perfect sense in Gibbons' eyes.
During his recent album-by-album look at the first 10 ZZ Top records, Gibbons reflected on the synthesizer-assisted sound of 1983′s 'Eliminator' by saying, "Bands like Depeche Mode were leading the synthesizer charge at this time. What's interesting is, Joe Hardy and I received an invitation from them recently to remix one of their new songs, 'Soothe My Soul.' [Vocalist] Dave Gahan told me they were looking for a little 'Texas mud' to go with the electronica. Funny how things go around in circles sometimes."
source: ultimateclassicrock.com
Posted by Admin at 7:18 AM Links to this post
Labels: Billy Gibbons, Depeche Mode, Music News, News, ZZ Top
Tom Petty and the Heartbreakers Concert Shut Down by Fire Marshals
Tom Petty and the Heartbreakers' show last night (June 8) at the Fonda Theatre in Los Angeles was shut down by fire marshals as a result of overcrowding.
It was the fourth of six planned nights at the intimate 1,300 seat theatre, and the L.A. Times reports that the venue was more crowded than even the previous sold-out shows. Apparently, the first sign of trouble came when fire officials kept concert-goers from returning to the theatre from the lobby after getting drinks or going the bathroom.
Around 10:30, Petty himself informed the crowd that 100 people needed to either leave the venue or move up to the balcony, otherwise the show would be cut approximately 45 minutes short. After a long version of the song 'Melinda,' he informed everyone that the show was going to have to be cancelled. According to the Times, "the move infuriated fans, who refused to leave amid howls and boos.'
source: ultimateclassicrock.com
Posted by Admin at 7:13 AM Links to this post
Labels: Fonda Theatre, Los Angeles, Music News, News, Tom Petty, Tom Petty and the Heartbreakers Concert
The Rolling Stones and Taylor Swift Perform Together in Chicago
Taylor Swift joined the Rolling Stones onstage at Chicago's United Center last night (June 3) to perform 'As Tears Go By' — and of course, dance a bit with Mick Jagger.
The Stones legend introduced the song as "one we haven't done in quite a long time. Actually, it's almost the first song that Keith (Richards) and I wrote. We didn't do it at the time, we gave it to someone else, a young lady, to sing. But we're going to do it now, with a bit of help…"
That assistance turned out to be country-pop sensation Swift, perhaps the most popular star in all of music over the last few years. The 23 year old sauntered in wearing a short black dress and handled the second verse herself. She also joined Jagger for a slightly exaggerated version of a formal dance, as if the two were crashing a ball at some palace. As she shared with her 28 million Twitter followers after the show, the night was clearly special for Swift:
source: ultimateclassicrock.com
Posted by Admin at 4:57 AM Links to this post
Labels: Chicago, Music News, News, Rolling Stones, Taylor Swift, Video
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Allegation untrue, unfounded — C-River govt
By Peter Okutu
ABAKALIKI—EBONYI State Government, weekend, accused its Cross River State counterpart of frustrating the peace move initiated by it to quell the boundary dispute between boundary communities in the states.
Last Saturday, nine persons, including a pregnant woman from Ofioji, Izzi Local Government Area of Ebonyi State, were allegedly killed by their counterparts in Cross River State, following the outbreak of fresh hostilities in the affected communities.
But in a quick reaction, Chief Press Secretary to Cross River State Government, Mr. Christian Ita, denied the allegation that the state government was frustrating the peace move geared towards resolving the boundary dispute, describing it as untrue and unfounded.
Meanwhile, Ebonyi State Government has called on the Federal Government and National Boundary Commission, NBC, to immediately intervene in the boundary dispute between Ofioji, Izzi Local Government Area of Ebonyi State and their neighbours, Ijutun-Idoru of Obubra council area of Cross River State to forestall further breakdown of law and order, adding that it was wrong and unfair for Ebonyi people to be slaughtered like animals in their land.
Briefing newsmen in Abakaliki, Chief Press Secretary to Ebonyi State Governor, Chief Emmanuel Uzor, explained how the governor had over time initiated peace moves between Ebonyi and its Cross River counterparts on the boundary dispute, yet the crisis had continued to escalate.
Describing the boundary dispute as disturbing and disheartening, Uzor regretted that the governor was being blackmailed by the Cross River people because he called on the Chief of Army Staff, Gen. Tukur Burutai, to increase the number of military personnel within the boundary areas for the protection of lives and property of the people in the troubled area.
He said: "The governor made the demand on the conviction of the ability of the soldiers to quell the situation. We believe that this crisis is being sponsored by a former minority leader in Cross River State House of Assembly. The same man was indicted for sponsoring similar communal crisis.
"Maybe he is doing this because he is looking for one appointment or the other. Governor David Umahi is feeling sad that his people are being slaughtered like animals. Meanwhile the Cross river government is unwilling to come for a dialogue. The Governor is sending this message, let us make peace; let us dialogue and make peace with the communities. The two communities are laying claims to a boundary area between Ebonyi and Cross River state.
"We want to call for sufficient security personnel at the boundary area and if any security agent has compromised, he or she should be redeployed so that the crisis can be controlled and curtailed. The federal government should come into the matter to nip the wanton destruction of lives and property at the bud".
source: Vanguard


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Monday, January 30, 2012
We Have a Winner!
And the winner, of the UGlu Dashes, is...
Pat Behnken!
Pat, send me an email with your mailing address and I'll get your prize out pronto -- and a bit o' somethin' extra. And remember, I'll need to hear from you within 48 hours or I'll need to draw another name.
Thank you all for your kind comments -- both via email & on my blog post. I appreciate each & every one!
Later this week I'll be back with a repurposed project -- something I made with a finished box of dishwasher detergent.
Until then...have a great week! Lisa
Tuesday, January 24, 2012
Framed with a Pocket Watch
A former pastor of mine, and his wife, asked me to bring a vintage touch to their dear friends' 60th Wedding Annversary Invitation. He brought me a frame and the photo wedding invite, and said he was looking for something simple, with a touch of lace. Sixty Years -- Wow! Isn't that so wonderful?! And aren't they a gorgeous couple.
Instead of trying to find a mat for the photo card, I found this great tattered lace cardstock that I used for the background. To give it a mat "look", I added a swirl ribbon pearled border around the photo. It added a bit of dimension to the layout as well. But once I put the glass in place, I just couldn't quite get the frame to close in place. So I took it to a local frame shop and they added new framing darts in back to hold it in place. They so loved the idea of this couple's 60th Anniversary that they did not charge me, I thought that was very nice. I finished the frame off with some pearl & lace accents from Prima, and a clear sticker that reads "Eternal Love" on the lower left hand of the glass.
I wanted this frame to be an extra special keepsake, so I added a Tim Holtz Pocket Watch that I embellished.
I found out that he used to own a car/body shop for years, that they've lived in Illinois all their life, were devout Christians, they treasure their memories, and are still deeply in love. So, for the background I punched a 1 3/4" circle* from CS to fit into the watch frame and added a metal embellishment that said "Faith", a TH license plate sticker for Illinois, a red wooden heart button, black letters for their initials, TH filmstrip ribbon, and some tiny Swarvorski crystals. I glued everything in place, except the crystals. When I sealed the pocketwatch back together I added a clear "love" sticker to the front glass casing. Finished it off with vintage lace tied off, and an embossed charm "cherished memories" (by Making Memories).
*NOTE: for the background circle punch I used EK Paper Shapers 1 3/4" Circle Punch PSPWP01. As you press the cardstock in snugly, it fits perfectly!
I wanted to add the pocketwatch to the frame, but I also wanted to make it accessible to be looked at. So I used two of TH metal photo corners, and attached them to the lower right hand corner of the frame with UGlu Tape Dashes to make a pocket to hold the watch.
Omigoodness...this is such an awesome adhesive! It's made by the same company that makes the MacBond that I bought for my husband's toolbox (post found HERE), and that I used to fix my blending tool (post found HERE), but great for crafters -- non-toxic & acid-free. It's permanent, but can easily be removed...sort of an oxymoron, but it works. I did try using Glossy Accents to adhere the metal to the frame, but it just didn't hold up to the weight of the pocket watch.
As a matter of fact, I have a package of UGlu Dashes to give away -- just leave a comment on this post by Sunday, Jan. 29, 2012 midnight U.S. Central Time Zone, and I'll post a random winner on Jan 30, 2012 -- the winner will have 48 hours from the time I post their name to contact me or I'll have to draw another winner. There just might be a little something extra in the package as well. just sayin'...
Hope your day is simply beautiful today! Lisa
Thursday, January 12, 2012
Packaged Organizer
I also cut my product sheets to 6" high x 5 1/2" wide. The larger Bigz dies needed trimmed to fit width-wise, and I folded the bottom edge behind so the front panel measured 6" x 5 1/2". The decorative strip dies were folded in half and I cut off paper that extended further.
I attached the ring binder by marking the holes first, then cut the holes using a small hole punch, and attached the ring binder with the included brads.
Well, that's it! Think of all the possibilities... =)
Thanks for stopping by. Hope you're keeping cozy! Lisa
Friday, January 6, 2012
An Elegant Thank You
I hope everyone's Christmas & New Year's Eve/Day was lovely. It was a quiet one at our house, but just as enjoyable. My hubby & son, Cody, indulged me with some more wonderful crafting supplies, among other things, and my oldest son, Nathan was able to come out for a quick Christmas visit too, bringing me a cast iron teapot. The best part of the season was getting to spend some family time together -- all of us!
It's been a while since I've been able to post, but I finally created a bit of space on my desk for a few projects I wanted to work on. I'm working on another video to share soon, but in the meantime I thought I'd share a few elegant, wintry Thank You cards.
For the "Thank You So Much" card, I added a small corner CS scrap to the upper right hand edge and then folded the CS over to reveal it, attaching with a brad. I'm thinking a snowflake brad might've been a nice touch (if I had thought about it at the time).
The Criss-Cross card is another great way to use scraps. I used a white CS base 12" x 4", scored at 3 1/2" & 8 1/2", then on each scored side I cut from the top of the score line to the bottom opposite corner - to create the triangle and folded on the score lines to criss-cross the card. I added deco CS triangles to the front, leaving 1/8" and ran a line of glue on the bottom edge to hold in place. The cording was tied around for a decorative element.
The insert card is 4 7/8" x 3 1/2" with a slightly smaller white CS adhered to it. I ran a Versamark pad around the edges of the CS and heat embossed Bridal embossing powder around the edges. After it cooled I ran the Versamark pad around the edges again and this time heated embossed with clear embossing powder, which helped set the glittery bridal powder a bit better and gave it that glossed "wintry" effect.
When I was going through my scraps I found this folded piece of CS that looked like it could've been a pocket, so I added a line of adhesive to the bottom and side to "make it so". I made the tag using the same techniques as the insert card, and finished the tag card with three clear baubles/dew drops.
TIP: This is a good time to use up some of your Christmas cardstock -- if it's double sided paper, there's a good chance there's a great alternate print on the back for some easy cards, whether they be thank you, thinking of you, or even a seasonal birthday.
My favorite element is definitely the random melted embossing powders around the edges. Sort of reminds me of melted icicles. But of course the weather we're having today is in the 60's...so for now, this is as close as I'll get. I'm sure winter will make a snowy showing anytime now...
Best wishes for a lovely weekend! Lisa
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What I feel I let myself down on in life is not telling the people I care and love about in my life just how much I cherish their friendship. I wish I could express my feelings for these people easily just so they know. What scares me the most is unexpectedly leaving this world and leaving things unsaid.
The last few days haven't been the best for me but I love having people around who make things so much better. Life is about the company you keep but unfortunately we are also forced to be around people who we don't necessarily have things in common with. It's hard to spend so much time wishing you weren't near someone but I guess it's just a common part of life.
Recently an old friend has re-entered my life and it makes me really happy. I have learnt differences can be resolved and once you make a connection with someone it's difficult to let go. I have also learnt time does heal pain.
Shopping has become an epic addiction. New shoes, clothes and jewellery almost daily.
An amazingly random shopping trip to Sydney ended in a new favourite t-shirt and jeans and a new love for the city. Spending Melbourne Cup watching the race that stops the nation on the top level of David Jones and having my horse win was an amazing way to spend the day with one of my best friends.
I still can't believe just how good my life is at this moment in time I just wish I could freeze time for a bit longer as I'm terrified of loosing all that I've got.
Recently a friend, boyfriend, son and brother was lost from my community. It was a shocking tragedy that has really impacted on me and those around me. I am so saddened by what has happened but really learning to appreciate each day as it comes. For those who were close to him have really being hit hard especially for such a young and a sudden accident. I hope this has made all of us stronger in each and every way and makes us closer as a whole.
I love my life and everyone in it <3


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Subvein is an app for Windows, developed by Ben Johnson, with the license бесплатно. The version 0.74 only takes up 26.6MB and is available in русский, with its latest update on 01.03.13. This app has been downloaded from Uptodown 981 times and is globally ranked number 12065, with a guarantee from VirusTotal, which verifies the app as being 100% безопасно. The only requirement to use Subvein is to have a device with Windows XP or higher. Other similar and alternative apps such as GTA2, Counter-Strike, Battlefield 2, Transformers, Minotaur Maze, Lego Star Wars II, can also be downloaded directly from Uptodown.
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Friday, June 27, 2014
Doodle Pantry Birthday Booklet
9 comments:
Great project/card! I like how you did a mini album/card. Thanks for sharing with us over at Sister Act. :) -AlyciaReplyDelete
Phenomenal!!!! What a keeper to use for a friend..maybe change it a little for a family member...Love Love Love!ReplyDelete
Awesome job Dawn wow! I must make one!ReplyDelete
What a cute idea. I love some of Ginger's sentiments.(And of course the Doodle Pantry images!)ReplyDelete
A-mazing project! Love, love, love this idea! The sentiments match up with those cute images perfectly. A very lucky person will be receiving this work of art!ReplyDelete
Dawn, what a clever way to celebrate a friend's birthday. You picked the perfect images to go with each sentiment. What a thoughtful gift which will be cherished and bring lots of smiles. So well designed and absolutely gorgeous!ReplyDelete
Wow, what a fantastic card/album. I think that this is truly a work of love. What a fantastic friend you must have.ReplyDelete
What a work of art, Dawn! I've never seen one of these booklets before and I love it. Thanks so much for playing along with the Simon Says Stamp Wednesday Challenge: Anything Goes!ReplyDelete
Oh my goodness, this is simply amazing! How thoughtful and I love all the sentiments too.ReplyDelete


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Heather's Blog
Thursday, March 16, 2017
Tonight at the Fort Worth Modern Quilt Guild!
I'm speaking at the Fort Worth Modern Quilt Guild tonight on how to enter a show. We'll talk about sleeves and labels, photography and artist's statements, and the process of entering the show itself. Everyone is welcome!
UNT Health Science Center, EAD Building, Room 506, located at
3500 Camp Bowie Blvd., Fort Worth, Texas.
*Social starts at 6:30 pm
*Meeting starts at 7:00 pm
Posted by
Heather Pregger
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There's one thing we know Donald Trump
loves very, very bigly, and that's TWITTER.
Help transform his stream of bigotry into
something he bigly understands, MONEY.
Trump has already introduced so many hateful policies - illegally banning Muslims from entering the USA, suspending the resettlement of refugees, rolling back transgender rights, building pointless walls and a war on freedom of speech and journalism, cutting funding for family planing, cutting funding for climate change science, to name but a few.
It's easy to feel angry or just helpless, but there are also amazing charities out standing up for the people he's oppressing. The aim of #DonateTrumpsHate is to support these amazing people and their work.
Pledge just a few pennies each time he tweets and together we can make a very bigly difference. All donations are handled securely by GoCardless, one of the biggest online payment processors in the world.
Please say hello and spread the word on Twitter
We'd love to hear from you.
What countries can donate?
Currently we're able to take monthly donations from UK and EU bank accounts in Pounds and Euros. If you're in another country and would like to help, please make a direct donation.
How do I cancel?
Like all direct debits, you can cancel at any time just by asking your bank.
There's a payment error
All payments are covered by the Direct Debit guarantee. If you believe there's been an error, contact your bank for an immediate refund.
Who made this?
#DonateTrumpsHate is created by Jonny and Ronan with support from Donate4Refugees in the hope of turning some bigotry and hatred into some love (and money!).
I'm also helping people Trump's policies affect!
Great work! We'd love to support other types of charity, for example gay rights, environmental protection, family planning. Please get in touch via twitter!
Privacy Policy
We don't do anything funny with your data. If you sign up to donate we just use your details to bill you each month. We have a full privacy policy here. Enjoy!


text:
This topic contains 6 replies, has 2 voices, and was last updated by Wayne Leggett Jr. 2 years, 2 months ago.
May 1, 2016 at 1:04 pm #38455
swapping 12851 files names to 12851 files in a another folder using powershell i have a text file with all the new names or i have both directory locations saved as text which is as follows E:\Games\my fallout 4 mods\rick and morty audio\test audio no dlc\RICK MOD TESTS\Sound\Voice\Fallout4.esm\PlayerVoiceMale01 is the directory that hs the new names
E:\Games\my fallout 4 mods\rick and morty audio\winraw folder\wave files1 is the direcorty with files that need renamed i planned on using a text file to renmes them and came up with a power shell scrpit whats wrong with it $RenameTable = @{}
Get-Content newnames.txt |ForEach-Object {
$OldName,$NewName = $_.Split('|')
$RenameTable[$OldName] = $NewName
Get-ChildItem E:\Games\my fallout 4 mods\rick and morty audio\winraw folder\wave files1 |Rename-Item -NewName {
} else {
May 1, 2016 at 1:06 pm #38456
this is the error i keep getting i dont understand
Get-ChildItem : A positional parameter cannot be found that accepts argument '4'.
At line:1 char:14
+ Get-ChildItem <<<< E:\Games\my fallout 4 mods\rick and morty audio\winraw folder\wave files1 |Rename-Item -NewName { + CategoryInfo : InvalidArgument: (:) [Get-ChildItem], ParameterBindingException + FullyQualifiedErrorId : PositionalParameterNotFound,Microsoft.PowerShell.Commands.GetChildItemCommand
May 1, 2016 at 1:12 pm #38457
Jonathan WarnkenParticipant
Because the path contains spaces it needs to be enclosed in quotes.
try this
Get-ChildItem "E:\Games\my fallout 4 mods\rick and morty audio\winraw folder\wave files1" |Rename-Item -NewName { if($RenameTable.ContainsKey($_.Name)){ $RenameTable[$_.Name] } else { $_.Name } }
May 1, 2016 at 1:21 pm #38458
that was the issue awesome man thanks very much so i ran it and this is what happended on every one Cannot index into a null array.
At line:3 char:14
+ $RenameTable[ <<<< $OldName] = $NewName + CategoryInfo : InvalidOperation: (00249AD5_1:String) [], RuntimeException + FullyQualifiedErrorId : NullArray any ideas aand
May 1, 2016 at 3:19 pm #38461
I got it figured out
May 1, 2016 at 3:23 pm #38462
Jonathan WarnkenParticipant
It is the way you are trying to populate the $RenameTable
I used this it test the concept
$RenameTable = @{} Get-Content newnames.txt |ForEach-Object { $temp = $_.Split('|') $RenameTable[$temp[0]] = $temp[1] }
This holds the line being read from the newnames.txt file in the $temp variable. This is an array created by the split on the "|". Using the 0 value in place of $oldname and the 1 value in place of $newname should work for you.
May 1, 2016 at 3:42 pm #38464
that solved it for me perfectly thank you very much
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text:
MX Player 1.8.17 (1170001005) Latest APK Download
You are downloading MX Player Latest APK v1.8.17 (1170001005). The best way to enjoy your movies. MX Player's features include Hardware acceleration, Multi-core Decoding, Subtitle gestures etc. This app also supports a lot of subtitles formats.
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- File name: com.mxtech.videoplayer.ad_v1.8.17-1170001005_Android-4.0.apk
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- Uploaded: February 21, 2017 at 11:44PM GMT+00
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- Minimum Android version: Android 4.0+ (Ice Cream Sandwich, API 14)
- MD5: 356b241bbd8f8294ff19e59ae5e24282
- SHA1: 7160dacfe0092c8c85b5f648304397901b1cc61d
- Developed by J2 Interactive


text:
Data Extract Tool - data scraping
Budget $3000-5000 USD
We need to extract data from a point-of-sale software system that has very limited data export functions and no API. The data we want to extract is only available from human readable displays (in a web browser). We need a standalone executable (or a chrome extension) running on Windows (preferred) or Mac that can log in to our web based POS system, operate the active elements on a display to get to another display and then "scrape" the data from the display. Choice of executable would be based on lowest cost/fastest time to develop. It's a stop gap tool.
I have a detailed spec available for the data extraction tool but do not want to post it because of confidentiality concerns. The initial project is to develop a tool we can use to extract our historical data and then run it on a daily basis to extract each new day of data.
Ideally, we are looking for a single talented person or small team (2-4 people) who can develop this tool and then work with us to develop a replacement for the point-of-sale system that can be expanded over time into an enterprise resource system for a retail business with multiple locations.
Our goal for the larger system work is to create a system for our business and then license it to similar businesses.
We want to develop this system on a major platform such as Salesforce, Oracle, AWS, etc. where most of the work is server based and display screens are PCs and tablets.
I specified this as a large project but the standalone tool is likely smaller and the eventual goal is a much larger project developed over time with on going maintenance and development work.
For more information, please contact me through the freelancer website.
Jim Cook
12 freelance font une offre moyenne de $3633 pour ce travail
Hello, We are IT-Engineers with higher educations, having more than 15 years of experience, developing sophisticated Web and Mobile solutions from scratch. Our indicative time/cost estimation for your project rel Plus
I am an expert in scraping with a proven track records on this site
Familiar interface and simple algorithm encourage your work. • Languages: Objective C , Swift , PHP, Java, SQL, HTML, CSS, JavaScript, C, C++, C#,Python • Web Frameworks: Laravel , Wordpress , CodeIgniter, Zoomla Plus
Hi, I have checked your project. Please send me a message so we discuss all the details. Thanks, Ramzi
Hi Jim, We've developed number of scrapers - Is there any chance we could take a look at the system? Also, with regards to technology, I believe we can either go with a Chrome Extension or a multi threaded desktop base Plus
I'm web-scraping expert with 5 years of experience and i have 500+ finished projects (ecommerce, directory listing, etc...) I can export data into any format (csv, json) or database (mysql, mongo). Relevant Skills and Plus
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Greetings. I'd be happy to do this project for you with c# or python program. All my bots use htmlagilitypack / selenium or scrapy. I have precoded user interface and scraping functions so I can complete projects fast Plus


text:
Before Installing: Measure the location of your hardware before ordering. Most Overhead Garage Door Manufacturers raised panels stamping- (area "B" ABOVE) or the space between the square panels' vary per models & door size including door width. A single-car door (8'-12' wide) can have wider spacing than double-car doors-(14'-20' wide). Therefore, check both the hinge and handle locations before drilling. Many customers have used one handle on doors with limited spacing between the panels. Opened package and/or installed products including handles are non-returnable. Verify that your decorative hardware products will fit properly on your door and not cause any interference with the doors safe operation.
All hardware items sold by Garage Door Hardware Direct are for decorative use only and not for use as a method to open, secure, lock or access any door, window or gate.
Please make sure your hardware is not located over any door section joints (where the door panels/sections come together) or interferes with the doors operation and/or weather-strip on the side/ top of the door. Before installing, move the hardware to a new location if it does cause any of the previously listed to occur or contact your local garage door professional. Examples of hardware locations are found on our website www.carriagehousehardwaredirect.com or by consulting your garage door manufacturer. Each manufacturer may have unique locations/ requirements for hardware installation.
Tip to find hardware location: Take painters tape-blue or green color, measure and cut into the length of your hardware. Apply them to your desired locations, step back 15-20 yards. If you like the location, proceed to install hardware. If not, move around. You can find hardware example on our website listed above.
To install Decorative Hinges:
1. Verify that your GDHD products will fit properly on your garage door. You can tape MOST stamped steel hardware to your door to see if the location looks good for you. Make sure you never apply hardware across panels or door sections.
2. Your garage door must be completely closed while installing our products to ensure proper alignment.
3. Position the hinges (Area "A") in the center of the horizontal surface of the garage door panel as shown above. Use your level to ensure that the mounting holes line up properly. Also, be sure that the edge of the hinge does not interfere with the weather-stripping at the edge of the garage door opening.
4. Drill 1/16-inch pilot holes into the door panel using the mounting holes in the hinge as a guide. DO NOT OVERDRILL. ONLY BREAK THE DOOR SURFACE OR YOUR SCREWS WILL NOT HOLD.
5. Fasten the hinges with stainless-steel screws provided with your hardware. Repeat this process for all other hinges. IF you want to add additional holding power, add a small amount of exterior adhesive on the backside of the hinge. Make sure your adhesive is made for exterior use and for the materials of your door-steel to steel, wood to steel, fiberglass to steel. Loctite brand exterior adhesive works best.
To install Decorative Handles:
6. First, measure the center vertical panel (Area "B") of your garage door to see if two handles will fit side-by-side. (All kits come with two handles or door rings/knockers.) If this surface is wide enough for the hardware pair you selected, you can position the pair carefully within that section. If not, center a single handle or ring on the vertical surface as shown above. Refer to the backside door drawing for assistance.
7. Drill 1/8-inch pilot holes into the door panel using the mounting holes in the handles as a guide. DO NOT OVERDRILL, ONLY BREAK THE DOOR SURFACE OR YOUR SCREWS WILL NOT HOLD.
8. Fasten the handles or rings/knockers with the stainless-steel screws provided with your hardware kit. Repeat this process for the second handle. IF you want to add additional holding power, add a small amount of exterior adhesive on the backside of the handles. Make sure your adhesive is made for exterior use and for the materials of your door-steel to steel, wood to steel, fiberglass to steel. Loctite brand exterior adhesive works best.
Tools required for installation:
• Electric/Cordless Drill with 1/16" drill bit for drilling pilot holes for hardware.
• Phillips Screwdriver for hand tightening hardware. (Using a drill can overtighten the hardware resulting in screw failure).
• Tape Measure and step stool or ladder.
• Blue Painters tape for holding hardware or locating hardware locations.
• Level, marking tools-pencil, a washable marker for leveling and identifying screw-hole locations.
• Exterior adhesive: Optional on solid wood doors, but recommended especially for steel doors, sheds or gates. Loctite brand exterior adhesive is best. The screws are designed to hold hardware, however, the adhesive will protect hardware from with kids bikes, basketballs and people who accidentally try to use the decorative handles. ALL IRON OR RUSTIC HINGES OVER 12" IN LENGTH BEING INSTALLED ON STEEL DOORS SHOULD HAVE ADHESIVE ADDED DESIGNED FOR YOUR DOOR AND GEOGRAPHICAL LOCATION. DUE TO SHIPPING RESTRICTIONS, WE CANNOT SHIP ADHESIVE.
Buyer assumes all liability for product use and installations. Upon purchase & payment of all items sold on by GDHD, INC. by the customer or agent, the customer agrees to and assumes all the responsibilities listed below & under terms and conditions found on our websites for installation any/all injuries or damages as of result of and future use of. Never loosen, adjust or modify any cables, garage door springs or bottom fixtures, hinges or brackets as they are under tension and serious injury or death can occur. If you're inexperienced with garage door installation, use of power tools and/or unsure of hardware location on your door, please consult your local professional garage door installation company or www.doors.org for a professional dealer near you. 3. Never attempt to make repairs, modify or replace any moving parts without professional garage door installation experience. This applies to all states and countries where the product is shipped, purchased and/or installed.
Installing LIS, Lion Head and Custom Knockers:
(Due to product weight, the Iron Series Hardware should NOT be taped).
(See diagram areas "B" for the handle or door ring locations. Rings are typically located in area "B" or the door section/panel directly above it.)
- Mark location on your door for the door ring only at this time. Typically, door rings are located on one of the second or third door section above the bottom section or bottom panel of the door. (LIS Knockers Only) Use the upper "C" shape bracket to mark the hole location. This bracket is used to hold the larger circle. Use a 1/16" drill bit –always use a smaller bit than the screws supplied to drill pilot holes for the ring only breaking the surface of the door. DO NOT OVER-DRILL or widen the hole.
- You can apply some *Exterior adhesive into the holes and the backside of the hardware at this time to help hole the screws especially given the weight of the Iron Series hardware to assure proper holding of hardware. Any adhesive used should be for the door you have-steel, wood or fiberglass and exterior grade. Be careful not to apply too much adhesive. All drying per manufacturers specifications on adhesive.
- LIS KNOCKER INSTALL ONLY: Place the c-shaped bracket over the large ring and hold it over the holes you just drilled. Always use a hand held screwdriver tighten the screws. Using a power drill may cause you to over tighten the screws causing them not to hold and spin. You can also over powder the drill causing the bit to slip and damage the face of your hardware.
- DOOR STOP INSTALLS:-both models-Lionhead and LIS Door Rings/Knockers have a small doorstop. If you want the stop-(circle bracket with the hole in the center) under the ring of your knocker-this will prevent the ring from leaving marks on your door, center the ring in the down position and slide the stop so it is centered in the desired location. Mark the screw holes with a pencil and predrill hole of the stop. Use a pencil to mark the outer location of the stop as you cannot mark the screw hole as the ring will be in the way. Follow the same drill instructions above and add adhesive after drilling. If you want the "stop" bracket below, measure down 1" below the ring and follow the instructions. Doing this may allow the ring to leave marks on your door face or remove paint on steel doors. Never use any electric drills to tighten the screws.


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Global Electrophysiology (EP) Devices- Market Growth Analysis
Jan 29, 2014, 06:00 EST
DUBLIN, January 29, 2014 /PRNewswire/ --
Research and Markets (http://www.researchandmarkets.com/research/bzzq4x/global) has announced the addition of the "Global Electrophysiology (EP) Devices- Market Growth Analysis" report to their offering.
(Logo: http://photos.prnewswire.com/prnh/20130307/600769 )
The broad health care' division has been witnessing a rapid growth and technological improvements varying from sector to sector since the past 3-5 years. The evolution of cardiac devices has opened new vistas in the health care industry. Growth rate exhibited by the cardiac devices industry, even during the recession years, confirms the positive growth prospects going ahead.
Global electrophysiology devices market forecasts to reach at US$4.4 billion by 2015 at a CAGR of 9.7% during the analysis period 2009-2015. The North American segment accounts for nearly 35% of the global value while Europe claims approximately 30% of the market. Asia-Pacific is the fastest growing region with a CAGR of 10.8% driving a market value of US$1.1 billion by 2015.
Among the product types, diagnostic electrophysiology catheters account for more than 65% of the market value while laboratory devices and ablation catheters round off to 35%. On a global scale, projections for conventional electrophysiology catheters segment indicate a close to 50% of the diagnostic EP market by 2015 leaving the rest of the market to advanced and ultrasound types. Considering the ablation catheters types, RF ablation catheters segment indicate a close to 40% by 2015 while cryo, laser, microwave and other types adds up to the remaining 60%. In the case of EP laboratory devices, X-ray segment indicate a close to 33% by 2015 and the rest of the portion is filled by 3D mapping, recording, remote steering, intra cardiac ECG and RF ablation generators.
Report Focus:
The report Global Electrophysiology (EP) Devices - Market Growth Analysis, 2009-2015' reviews the latest trends in Electrophysiology devices with a perceptive attempt to disclose the near-future growth prospects. An in-depth analysis on a geographic basis provides strategic business intelligence for healthcare sector investments. The study reveals profitable investment strategies for pharmaceutical manufacturers, biotechnology companies, laboratories, Contract Research Organizations (CROs), government organizations and many more in preferred locations.
The report primarily focuses on:
- Emerging Market Trends
- Advancements in the Technological Space
- Market Demand Of The Segments (By-Region)
- Key Growth Areas and Market Size
- Region-Wise Demand Factor
- Key Competitors Edge
- Investment Strategies
The report covers the market analysis by product types. The subdivisions are as:
Electrophysiology (EP)
1. Diagnostic Electrophysiology Catheters
a. Conventional EP Diagnostic Catheters (fixed and steerable)
b. Advanced EP Diagnostic Catheters (loop and other)
c. Ultrasound EP Diagnostic Catheters
2. EP Laboratory Devices
a. X-Ray Systems
b. 3D Mapping Systems
c. EP Recording Systems
d. Remote Steering Systems
e. Intracardiac Echocardiography Systems
f. Radiofequency (RF) Ablation Generators
3. EP Ablation Catheters
a. Radiofequency (RF) EP Ablation Catheters (Conventional & Irrigated-Tip)
b. Cryoablation EP Catheters
c. Laser Ablation Systems
d. Navigational Advanced Mapping Accessories
e. Microwave Ablation
4. Others
Companies Mentioned:
- Abbott Vascular Devicesatricure, Inc
- Abiomed, Inc.
- Advansource Biomaterials
- Aga Medical Corporation
- Atrium Medical Corp.
- Ats Medical, Inc.
- Biophan Technologies, Inc.
- Biosense Webster, Inc.
- Boston Scientific Corp
- Cardiac Science Corp.
- Cardiacassist, Inc.
- Cardica, Inc.
- Cardiomems, Inc.
- Cook Group Incorporated
- Cordis Corporation
- Cryolife Inc.
- Idev Technologies
- Medtronic, Inc.
For more information visit http://www.researchandmarkets.com/research/bzzq4x/global
Media Contact: Laura Wood , +353-1-481-1716, email@example.com
SOURCE Research and Markets


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gharmankurah kim api gumphati krishna-devah ||91||
Simple Meaning:
gharmankurah kim api gumphati krishna-devah ||91||
Simple Meaning:
Lord Krishna Strings a Garland
The ineffable beauty of Lord Krishna is enhanced by grasping Shri Radha's hair in a love duel and ornamented by saffron spots marking Her bosom, which are now scattered over His own body. Furthermore, His beauty is enhanced by drops of perspiration playing on the mirror like orbs of His cheeks. Such a Krishna is stringing a garland which is inexpressible in words.
The Rasa-laden Commentary:
The Rasa Lila
Shri Billavmangalji Maharaj is glimpsing the Rasa Lila in which Lord Krishna is flirtatiously trying to grasp Shri Radha's braid which is swinging as She dances.Therein a love duel commences amidst the playful attempts of the romantic dalliance, in which they are mutually embracing each other. Shri Radha's sindoor, chandan, kumkum and all the embellishments decking Her body, have been scattered and smear every limb of Krishna's. The 'deva,' who is fond of dallying is extremely delighted and smiling faintly. Pearl like beads of perspiration start glimmering on the mirror like orbs of His cheeks.The majestic Krishna, fond of playful dalliances, is stringing a unique garland which is inexpressible in words: kim api gumphati krishna devah.
The Love Play of Shri Radha-Krishna
Steeped in the sakhi bhava Shri Lilashuk is beside himself with joy on seeing the mischievous Shiromani's flirtatious love play. He saw-what did he see? Just look at the Supreme Lover grasping Shri Radha's hair because of being in an impassioned state.One doesn't know how this interpersonal romantic exchange took place that the fresh saffron paste applied on their sensuous bodies was scattered and thus their lovely bodies became all the more enhanced with charm.One doesn't know why the sakhi's gaze is focused on the lovely body of dark-hued Krishna that is why he does not describe Shri Radha in particular. The sakhi just saw the Supreme Lover was up to something...one doesn't know what?
Shri Radha Resists Krishna's Loving Overtures
Shri Radha, adept in the art of romantic dalliances, wanted to stop the advances of impassioned Krishna. She caught hold of His hands but is it a simple matter to be able to stop Krishna, longing to savour rasa. First of all He is masculine and that too extremely strong-and there is unrestrained naughtiness pervading every limb of His at that time. Highly proficient Shri Kishoriji is making Him yearn more and more to savour rasa. He is becoming all the more eager to relish rasa by this endeavour of Her's and is bent on doing what He pleases, as per His heart's desire.
Love Duel of Shri Radha-Krishna
The negative affirmation of beloved Radha has left Krishna, extremely exhausted. The charming signs of this love duel have marked His lovely tender body. The dark-hued-body is sparkling due to beads of perspiration arising because of exhaustion. One doesn't know how different spots have marked the dark-hued body of the darling son of Nanda in this exchange of reward and punishment. The musky spots marking Shri Radha's bosom and Her cheeks are scattered in that exhausting love play. Furthermore, this capricious black bee Krishna relished this dishevelled state in such a way that they left a mark on His limbs as well. His face became all the more sweet and intoxicating with the beads of perspiration strewn over His smooth tender cheeks. Stepping out of the cyclical motions of exertion and rest, the mischievous Supreme Lover became engrossed in some new playful dalliance. The flirtatious Lover readied some garland. Which garland?It is tough to say which sort of a garland?
Shri Radha Becomes the Flute & Shri Krishna Her Garland
You never know Krishna may be freshly stringing together the extraordinary flirtatious necklace of emeralds instead of the necklace of precious stones-or imagining the garland of extremely fragrant blue lotuses instead of the divine jasmine flower garland? Is this a garland of flowers, or a necklace of jewels and pearls, or a string of ecstatic waves surging in the romantic dalliance?
Enhanced by a fresh beauty, the impassioned Shri Krishna has strung a necklace of the madhur bhava, the sentiment of sweet romance, which is inexpressible in words.


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According to them Hindu guff-suff, Parbati did all them tapawsya so that she could get that hippie Lord Shiva. Shiva the hobo was mighty impressed with Parbati's nataks and finally agreed to marry her rey.
Today, more than 300,000 Hindu women clad in red saaris will throng Pashupatinath Temple and bow their heads to Lord Shiva's thing. I really find all these Teej circus acts disgusting anyway.
Teej must have been a very simple affair back in them days but now it's like them Saari sellers, our jewelers and even the Dohori singers have conspired to make our Hindu women spend more than she can afford kya.
Yes, dancing and singing songs tuh ramrai ho. Ladies day out tuh hoonai paryo ni... but all that fasting for a husband or fasting in hopes of bagging a good husband is not only old school but is really jpt.
Ahiley ko jawana ma yo sabai bakwaas ajhai chali rahecha ..... I think we, men, should also have a festival for ourselves hai. How about 'Tej' where men do the fasting ni? I really don't get this 24 hour fasting thing and then gorging on all them spicy and fried foods before or after them fast sast.
Instead of spending thousands of Rupees on them saaris, potey sotey, gahana sahana ... why not baroo start a new bank nai. 'Nepal Women's Bank' where every Teej, millions of women contribute Rs 100. Ani loans only for women, tyo pani only for small businesses, education and health etiyaadi.
Fokatey ma party palace ma kharcha and all them music system and flaunting of them expensive saaris and soon ko dalla kya. And instead of fasting sasting, baroo our women should enjoy fruit salads and smoothies ni baroo... and them husbands should prepare them food sood ni hoinuh?
What about them girls/women who are praying for a good husband? Well, since you might not know who will turn out to be your 'man', just ask some random guy to make a mango lassi and a fruit platter for you.... and tell him to just deliver them stuff at your doorstep and then shoo him off before you open the door... hehe!
Anyways, Happy Teej to our women... happy dancing and singing but say no to all them 'fasting' for them husband might not be lasting hehe!


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|Crescent Hotel - America's Most Haunted?
At www.exploresouthernhistory.com we focus exclusively on stories that have a verifiable historical background. Not only that, we dig into stories to find out as best we can what the truth behind them might be!
You can check out the full list at www.exploresouthernhistory.com/ghost1, but here are some of our favorites:
- Ghostly Face in the Window - Alabama
- Ghost of Sketoe's Hole - Alabama
- Haunted Crescent Hotel - Arkansas
- White River Monster - Arkansas
- Arkansas Wild Man - Arkansas
- Ghost of Bellamy Bridge - Florida
- Ghosts of the Russ House - Florida
- Ghosts of the St. Augustine Lighthouse - Florida
- Wild Man of Ocheesee Pond - Florida
- Ghost of Allatoona Pass - Georgia
- Ghost of the St. Simons Lighthouse - Georgia
- Ghost of Tallulah Gorge - Georgia
- Ghost of Big Cedar - Missouri
- Edgefield Ghost - South Carolina
- Bell Witch - Tennessee
Just use your back button to come back to this list!


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CAIRO: Hamas spokesperson Sami Abu Zuhri, said in a statement published on his Facebook page Sunday that Israeli Prime Minister Benjamin Netanyahu's latest statements about Israeli victory are"nothing but an attempt to cover his failure."
He added, in a reply to Israeli statements by Netanyahu that "the numbers of Israeli soldiers killed are enough to prove that our resistance succeeded to hit inside Israel and that the only way for Israel to feel safe is when Palestinians feel safe themselves by raisingtheIsraeli siege over them."
During the weekly meeting of the Israeli Cabinet Sunday, Netanyahu assured that his country would not accept any truce that doesn't achieve its security needs, assuring that he gave "direct and clear orders to the delegation currently in Egypt, not to accept anything that would threaten us (Israel)."
Netanyahu warned Hamas in his statements that they will suffer from more attacks, as long as Israel is not feeling safe and its own people are not living in peace and calm. He talked specifically about the dangers of Gaza tunnels, and how they will keep targeting it, fighting all of Hamas' attempts against his country.
Youm7 reported Sunday that said tunnels threaten the talks held in Cairo between the Palestinian and Israeli delegations, in addition to the national security of Cairo itself. According to anonymous experts, the number of tunnels between Egypt and Gaza increased to 1600 tunnels after the January 25 revolution, as experts told Youm 7 that before that, the number of tunnels was only 600 in 2010, adding that that state loses 3 million EGP annually due to smuggling operations that happen through these tunnels.
The negotiations between Israel and Palestine are ongoing since last week by Egyptian mediators, as the two delegations are currently in Egypt as a 5-day true suggested by Egypt was agreed on and is currently applied by both sides.
Head of the Palestinian delegation Azam al-Ahmed said in a press conference last week following Egypt-mediated indirect talks between Hamas and Israel that they reached an agreement on a new 5-day ceasefire.
The truce is one of several bids to end the ongoing war in Gaza, which began in early July, and has killed over 1,951 and wounded 10,193, according to the Palestinian Health Ministry. Since the beginning of the aggression on July 8 on the strip, 67 Israelis were killed, three of whom were civilians.


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Photo courtesy of the Boston Scottish Fiddle Club
During the first hour, Sean Smith, a BCMFest director, will be calling about 7:15 to talk about the indoor Celtic festival held each January in Cambridge. Music by many of its performing artists will be played before and after the interview.
Sean Smith, a BCMFest director, will be calling about 7:15 to talk about the indoor Celtic festival held each January in Cambridge. Stuart Peak of the band NØÍR will call about 7:30; Eric Eid-Reiner (The Reiner Brothers) about 7:45; Bob Jennings (FOVS) about 8:00.
Partial list of artists whose music will be featured:
Flynn Cohen
Sean Smith
The Whiskey Boys
Bob Bradshwaw
The Stoneybatter Band
Jane Gilmartin
Ken Perlman & Jim Pendergrast
Adrienne Howard & Emily Peterson
The Reiner Brothers
Triple Spiral
Kyle Carey
The real-time playlist can be viewed at http://www.spinitron.com/
"Boston's Celtic Music Fest (BCMFest) will celebrate its ninth anniversary on January 6 and 7, 2012, and continues looking forward to a bright future of exciting possibilities and opportunities. Besides sponsoring a festival that features more than 100 performers of great variety, BCMFest organizes a monthly collaboration with Club Passim, "Celtic Music Mondays," spotlighting Boston area Celtic musicians and singers; BCMFest also holds special events such as a Celtic Music Cruise and the Boston Urban Ceilidh. Above all, BCMFest continues to uphold its mission: making music our first priority."
BCMFest Mission:
To produce locally-based Irish, Scottish and Cape Breton music and dance in an upbeat and all-ages friendly environment.
To bolster appreciation for traditional Celtic music and dance among youth and the greater Boston community.
To support a living, changing tradition by encouraging cross-genre collaboration and innovation among dancers and musicians of all generations.
To produce a variety of collaborative projects and performances for, in and of the greater Boston community.
BCMFest 2011 Artists:
Andy and Eric Reiner
Triple Spiral
Hanneke Cassel
Kyle Carey
Bob Bradshaw
Adrienne Howard and Emily Peterson
Katie McNally and Eric McDonald
Lynn Noel, Lynn Feingold, Anabel Graetz and Deborah Goss
Ken Perlman and Jim Prendergast
Hannah Sanders and Liz Simmons
Amanda Cavanaugh and Nic Gareiss
Neil Pearlman's Scottish Infusion
Dylan Courville and Wells Burrell with Bob Jennings
Chasing Redbird
The Whiskey Boys
Flynn Cohen and The Deadstring Ensemble
The Stoneybatter Band
Royal Scottish Country Dance Society of Boston
Kyte MacKillop
BCMFEST ARTISTS:Send your CD to WCUW for inclusion in this program and future play on the several other WCUW folk and Celtic programs. Mail to WCUW, (music genre), 910 Main Street, Worcester MA 01610.
Playlists from the Tuesday edition of "In the Tradition" can be viewed during the show athttp://www.spinitron.com/
Read descriptions of other WCUW program specials at http://www.wcuw.org/
Listen to WCUW at 91.3fm or streaming at wcuw.org or live365 app for your mobile device.


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I made a few errors, so this is just the prototype!!
I used Michelle's tip of using the card that you matt & layer to punch out any shapes.....ooop's I forgot the matted image wasn't going to be completely covered on the back of the card.
Then when I was assembling the card I had already stuck the greeting on the front, assembled the inner part with the image & guess what I had done them back to front.
You will need:
11" X 4 1/2" piece of card stock...piece A (main body of card)
5 1/4" X 2 1/2" piece of card stock...piece B (message card)
2 1/2" X 1 1/2" piece of card stock...piece C (front greeting card)
Decorate the "A" piece of card stock.
Turn "A" over and with a pencil, lightly mark, score and fold to make lines 1", 2 3/4",3 3/4", 5 1/2",7 1/4", 8 1/4", 10".
On the centre line (5 1/2" line) mark in 3/4" on both sides.
With a razor knife cut a line 2 3/4" long between the two 3/4" marks.
Take card stock piece "B" and stamp the message you want for your card, on one side.
Be sure not to stamp on the bottom 1"(This area will be inside the card and won't be seen.)
On piece "A" mark a bottom centre line from the 1" score line down on both ends.
On piece "B" mark the bottom centre line for the bottom only.
Thread the message area of "B" through the center slot of "A".
Align and glue the two centres marks of "A" and "B" together (like a sandwich with B being the centre).
Stamp a greeting onto the front of card stock "C" and glue to the front of the card.
It will help if you look at the diagrams.
When you are finished...your card will slide up and down through the slot. Flat for mailing and Free standing once it is opened.


text:
"I'm pushing an elephant up the stairs
I'm tossing up punch lines that were never there
Over my shoulder a piano falls
Crashing to the ground
I'm breaking through
I'm bending spoons
I'm keeping flowers in full bloom
I'm looking for answers from the great beyond"
-REM, The Great Beyond
A lot of things have been happening, lately. In fact, things have been happening too fast. There are changes in our life (mine and character c's) which we would rather not have. However, the bulk of the choices have had to be made on my part.
We all know that eventually, we'll arrive at a crossroad. Whether it's in our professional or personal lives, dilemmas are sure to appear. My dilemma of late has been of the professional kind. But not strictly so. It's also intertwined with my ideology and how I have planned to live the rest of my life.
Last February, I left my corporate job to go back to activism. Since then, character c and I have been waiting for that one call. The one call which would assure us our former circle would like to have us back.
The past months have been very hard on us financially; specifically because I turned down a lot of corporate jobs. I turned these down because I wanted to keep my schedule (and options) open; just in case our activist colleagues called us back to duty.
It has been four months. Four dire months.
Yesterday, I received a call from a really good company (let's call it company 55). Their salary was great and so were the add-ons and the benefits. Their offer was hard to ignore. They invited me to sign on. The appointment was made for Monday.
And as if I was being played for a fool by fate; the call I've been waiting for came in after company 55's call. I was asked by colleague R to report for duty on Monday.
Thus, I am in a major dilemma. Should I sacrifice my family's security for unstable employment? It's not just about the financial aspect. It's about the amount of waiting character c and I had to go through for this certain unstable job. An unstable job that I would love.
In my heart of hearts, I know that I'd like to drop everything for colleague R's proposal. But recent life-changes has forced pragmatism on me. And in my pragmatism, I've learned that not all things we love will love us back. Not everything we wait for comes at opportune time.
If it's true that when we want something, the universe conspires to give it to us; I have a message for the universe.
Dear Universe,
You're late. You're proposal will be given much thought and discussion. I cannot guarantee my approval. Don't do be late again.
Linggo, Hunyo 28
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Wednesday, June 15, 2011
A few more PTI Garden variety seed packets
Okay...don't know if I can stop making these...they are too fun! here's just a few more that I made #1,2, and four- are using a Samantha Walker's Designer cut-Gardenia- from the Silhouette store. They were designed to be flat but I can never leave well enough alone and did some of my flower technique magic on them to give them dimension...#1 is the flat version-inked only and #2 and #4 I played with. #3 is just colored with pencil crayons without Gamasol because I need a new Staz On and so the ink is distress in and the gamasol wouldn't work with it.
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Calgary's got so many great places to eat and things to see, and I think they deserve some love. In this series, I'm going to talk about the places that I think make Calgary such a great place to be.
When people ask me where my favourite place is for brunch, lunch or dinner, I'm hard pressed to find a definitive answer. When it comes to my favourite ice cream shop, though, I don't hesitate. Village Ice Cream has been wowing me with their creamy, dreamy creations since they opened in 2012, and I'm a certified addict. I've eaten my fair share of ice cream in Calgary and beyond, and in my heart there's nothing that comes close to this little establishment.
Dreamed up by Billy Friley while eating ice cream on his grandmother's porch, Village Ice Cream has become a Calgary favourite, despite opening in a location that most would deem unfortunate. Their original Victoria Park locale is tucked into a building on Tenth Avenue SE that gets very little foot traffic, so the fact that you can often find a lineup out the door shows that I'm not the only one urging all of my friends to check it out. Not only have they managed to keep their head above water, they've had enough success to warrant opening another location, this one in Britannia Plaza. While the Victoria Park store has just enough space for the ice cream scooping station and a fridge full of pints and sandwiches, the Britannia spot has some indoor seating for those thirty below zero days when your ice cream craving won't quit.
An ice cream shop has to be serving some pretty extraordinary stuff to entice me to make a special trip instead of reaching in to the freezer at my local grocery store, and Village delivers in a big way. Their scoops are the creamiest I've tasted by a long shot, with no loathsome ice crystals to be found. The ice cream beyond decadent, which is just how an indulgent treat should be. They've got ten consistent flavours, ranging from the standard Vanilla Bean, Chocolate, and Strawberry, to the exotic Cardamom, the subtle Earl Grey Tea, and the salty sweet favourite Salted Caramel. My standby is Toasted Coconut – its not-too-sweet tropical-tinged flavour and chewy coconut chunks have me hard pressed to stray away. Some of my most beloved choices have come from Village's rotating slate of seasonal flavours, including the sweet and tart Meyer Lemon, the bright Key Lime Coconut Milk, and my unexpected all time favourite, Spiced Banana. I know that might sound like a strange flavour – it certainly did to me at first – but one taste of the sweet banana mellowed out by warming spices like cinnamon and nutmeg will make you a believer.They constantly surprise me with their interesting concoctions, and the fact that they let their customers try as many samples as they want means that I never have to wonder what I might be missing out on.
If you're not in the mood for a scoop or two on one of Village's perfectly chewy homemade waffle cones, try one of their out-of-this-world ice cream sandwiches. The cookies are sinfully chocolaty, almost veering in to brownie territory, and make the ice cream inside even more delectable. These things put my old favourite Oreo ice cream sandwiches to shame.
I've always been an ice cream lover, but Village Ice Cream has brought my infatuation to a new level. Even on the coldest days of Calgary's winter, you'll find me venturing out for a split single on a waffle cone. No matter what the weather, it's worth checking out one of their shops for a sweet treat that will have your tastebuds begging for more.
431 10 Avenue SE and 820 49 Avenue SW


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Last month was my Dad's 86th birthday. He died a quarter century ago when when I was 34.
In the 20th century, Winston Churchill was the greatest person I knew about. In my life, my Dad was the greatest person I knew.
Lawrenceville standout, Peleliu veteran, Okinawa veteran, Carleton grad, Yale Law School grad, Cleary Gottlieb partner, civil rights activist, fairest man I ever knew (he made me believe the Rule of Law was attainable and would make all things possible, and that there were actually men who had no price), father, husband and heroic in death. He died in my presence, and all I could say as this transcendental occurrence transpired was "God bless you, Dad."
Maybe he went to prepare our place by the right side of the Lord in the House of my Father. I remember selfishly thinking at age 34 that the cushion between me and God had been removed.
He was 61. I'll be 60 within three months.
I came within 20 seconds of drowning two years ago and feel sorry for my three adult kids, who haven't communicated with me since before they were of the age of majority. This pretty commonplace Western tragedy is directly the work of their mother, who overbore their wills as adolescents during the divorce for her own purposes. Mother knows best, and American courts lap it up. She's a true feminist's nightmare.
If I hadn't made my peace with my Dad during those five months when he was terminally ill, I would not be a man. Did I say I was sorry for my three sons who are letting their opportunity to know their Dad slip away?
Anyway, James Wilson Lamberton, Minnesotan, son, brother, husband, father, soldier, scholar, wise man, lawyer, great man, American hero.
Wednesday, February 1, 2012
Happy Birthday Dad
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