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The Danish Ferrari clubbing dates back to 1970´s where the first Ferrari owners slowly emerged. As the numbers of Ferrari in Denmark grew, the Ferrari Klub Danmark was created. After years with also the importers Ferrari Customer Club, the two clubs merged to form Ferrari Owners Club Denmark. This club was among the first to be officially recognized by Ferrari Spa in 2003.続き
Today the club counts about 250 members covering more than 350 Ferrari.
The club is active with over 30 events throughout the summer season. Due to the weather, most of the Cavallino's are stabled in the winter period. But the Ferrari enthusiasm is kept alive with go carting and other social activities.
Ferrari owners from other countries passing through Denmark is more than welcome to contact the clubs secretary email@example.com for information.
Dear Members,
Denmark has always been unique in regards to Ferrari. Having the highest luxury taxation in the world – close to 180% on top of regular retails price – one would think that Denmark would not be eligible for the exclusive Italian sports car. But the Ferrari spirit is solid planted and the community is strong. This also owes to the close relation with the private held importer since 1987. The cars we meet at our events, represent all decades of the Ferrari history, from Ferrari 195 Inter over the Supercars to the current supreme V8- and V12-models .続き
Racing has always been a part of the history, with many professional and semi-professional racing drivers – among others, the 8-time LeMans winner Tom Kristensen. This racing enthusiasm was the foundation for creation of the Ferrari Scandinavian Challenge, which raced throughout Scandinavia for many years. Today the drivers from Denmark, Sweden and Norway have gained experience and are now competing in the European Challenge series.
The board members of Ferrari Owners Club Denmark are proud to represent the famous Italian sport car brand and make a huge effort to embrace the owners. The events we host ranges from day trips to weekend tours of the scenic Danish landscape. From social gatherings, over track days to fundraising for charity. Participation in inland events as well as Ferrari hosted tours like the Ferrari Cavalcade. The aim is to experience the thrills of the roaring engines.
We welcome members from other clubs to join us in saluting the magnificent car from Maranello!
Forza Ferrari!
FOC name: Ferrari Owners Club Denmark
Number of members: 220
Address: C/O Formula Automobile AS, DK-3450 Allerod, Denmark
Phone: +45 7023 0901
E-mail: email@example.com
Website: www.focd.dk
President: Mr. Michael Skou
Vice president: Mr. Michael Krog
Secretary/Treasurer: Mr. Joachin Holm
Board of Member: Mr. Morten Balle, Mr. Theis Frederik Gronemann


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subset: commoncrawl


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There's an international battle brewing over an auctioned-off Tyrannosaurus skeleton, and now the federal government is getting involved.
A federal prosecutor has sued the auction house that, over protests by the Mongolian government, sold the Jurassic behemoth for more than $1 million last month.
The suit the United States Attorney in New York filed Monday against Heritage Auctions claims the nearly complete Tyrannosaurus bataar skeleton was looted out of its Mongolian home some time between 1995 and 2005.
U.S. & World
This dinosaur was erroneously imported into the U.S. from Great Britain in 2010, when it was valued at $15,000, according to the suit.
"Cultural looting and profiteering cannot be tolerated anywhere, and this cooperation between our governments is a large step forward to stopping it," Mongolian President Tsakhiagiin Elbegdorj was quoted as saying in a news release from the U.S. Attorney's office.
It was sold at auction on May 20 for $1 million — despite a restraining order from a Texas judge blocking its sale, according to the federal suit, and efforts by the Mongolian government to the return of the skeleton.
The cofounder of the auction house said the sale was made contingent on the outcome of any future court action, in an effort to cooperate with authorities. He said he believed the auction house's consignor had sold the skeleton in good faith.


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Microsoft's antivirus product, Microsoft Security Essentials has once again failed AV-Test's criteria for Certification. MSE was able to garner a score of 10 out of a possible 18, while a score of at least 11 was needed to obtain the certification.
The area where MSE failed was on detecting zero day attacks. MSE detected only around 78% of the attacks, whereas the industry standard is 91%. The test included 24 other security solutions out of which two other products also failed to obtain the certification. While Bit Defender Internet Security, Kaspersky Internet Security and Norton Internet Security got the highest ratings, AhnLab and PC Tools Internet Security failed.
Obviously, Microsoft was not happy with the test results and challenged AV-Test's results in a blog post,
Our review showed that 0.0033 percent of our Microsoft Security Essentials and Microsoft Forefront Endpoint Protection customers were impacted by malware samples not detected during the test. In addition, 94 percent of the malware samples not detected during the test didn't impact our customers.
AV-Test reports on samples hit/missed by category. We report (and prioritize our work) based on customer impact.
AV-Test's test results indicate that our products detected 72 percent of all "0-day malware" using a sample size of 100 pieces of malware. We know from telemetry from hundreds of millions of systems around the world that 99.997 percent of our customers hit with any 0-day did not encounter the malware samples tested in this test.
AV-Test's test results indicate that our products missed 9 percent of "recent malware" using a sample size of 216,000 pieces of malware. We know from telemetry that 94 percent of these missed malware samples were never encountered by any of our customers.
You can read the full response here.


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Most orders for In-Stock products begin shipping as soon as your online purchase is completed. Products are shipped once they are located in stock, your payment is approved, and the receiving address is verified.
In stock
Continental Expandable 4 Wheeled Carry-On Alpha 3
Kč 21.499,00
About this item
Style: 117162-1041
Ideal for everything from weekend getaways to short business trips, this carry-on is equipped with a built-in USB port to keep you connected on the go. A built-in garment sleeve accommodates one suit, and zipper expansion allows for up to 2" (5cm) of additional space in the main compartment. Power bank sold separately.
Part of our Alpha 3 Collection, iconic business and travel pieces that bring together innovative design, superior performance, and best in class functionality. Made from TUMI's signature, ultra-durable FXT® ballistic nylon (materials for some items may vary).
Features and specifications
|56 x 23 x 40.5 cm
|5.2 kg
|Ballistic Nylon
Interior Features
- Zip garment compartment (fits 1 suit)
- Hanger bracket
- Large mesh zip pocket
- Mesh zip pocket with removable USB cable
- 3 zip pockets
- Compression straps
Exterior Features
- Split case zip entry to main compartment with security zipper
- Large front U-zip pocket with security zipper
- Front U-zip pocket
- Gusseted front straight-zip pocket
- Zipper to zipper expansion (up to 2" or 5 cm)
- Retractable top and side grab handles
- Bottom grab handle
- 3-stage telescoping handle
- 4 dual spinner wheels
- Molded impact-resistant side panels
- Protective bumper rails
- Built-in USB port
- Built-in TSA combination lock
- TUMI Tracer®
May we help?
Explore our products


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Touted as "…ahead of the curve…." by the International Health, Racquet and Sportsclub Association, Club Northwest is a completely new concept in fitness and recreation. A retreat for the celebration of healthy living, welcoming people of all ages, fitness and recreation goals. A place where all can come together and enjoy a certain very special way of living. A lifestyle as comfortable, friendly and healthy as the Northwest.
Read more about Club Northwest here: In The News


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Paint or Metallic Paint
Cleaning Painted and Metallic Paint surfaces:
IMPORTANT: Before cleaning, make sure all controls are off and the oven is cool. Always follow label instructions on cleaning products.
- Soap, water, or affresh® Kitchen and Appliance Cleaner and a soft cloth or sponge.
- Do not use abrasive cleaners, cleaners with bleach, rust removers, ammonia or sodium hydroxide (lye) because paint surface may stain.
Still need help? Call or schedule service.
You may need assistance from a qualified technician. Call 1-800-422-1230 or click below to schedule an appointment.


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- Performed by Qualified Professionals
- Latest Industry Standards
- Special Offers
- Professional and friendly staff
Learn just what to expect
Concerning Fences in Thorntown, IN, you need to be knowledgeable to come up with the best choices. We ensure that you understand what can be expected. You won't encounter any sort of unexpected surprises when you work with Fence Installation Guys. Start by talking about your task with our customer care reps once you call 800-341-4840. We're going to review your concerns as soon as you call us and help you get arranged with a meeting. Our team will arrive at the scheduled time with all the needed equipment, and can work together with you through the entire job.
Work with Fence Installation Guys for Fences in Thorntown, Wyoming
You have plenty of reasons to choose Fence Installation Guys for Fences in Thorntown, IN. We'll be the best choice whenever you need the best money saving strategies, the best quality products, and the top rank of customer satisfaction. We are aware of your expectations and ambitions, and we are ready to help you using our experience. Dial 800-341-4840 to connect with Fence Installation Guys and explore all of your goals about Fences in Thorntown.


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Burglars stole $200,000 in cash, other valuables and a gun from the home of the Philadelphia Eagles wide receiver DeSean Jackson.
"DeSean is clearly upset that his home was burglarized while he was out of town on vacation . He has always felt very safe in his community and it concerns him someone would victimize his place of residence," said his spokeswoman Lindsey Deierling.
"He had personal items, jewelry and a small amount of money taken in the burglary, however the amount that has been previously reported is inaccurate. The large sum that was taken was in items. He thanks everyone for their concerns and he is confident the Philadelphia police department will find the suspects at large."
U.S. & World
Police say they responded to the home of DeSean Jackson on the 3200 block of Pietro Way in South Philly around 5 a.m. Saturday morning after his mom discovered the player's bedroom had been ransacked.
The burglary occurred while Jackson was out of town, sometime between noon on Jan. 6 and 6 p.m. Jan. 10th, according to officials.
Police say Jackson's mother returned to the home Friday and noticed a security monitor on the floor and her son's bedroom door ajar.
She called Jackson, who told her he had left his door locked, according to authorities.
When his mother entered the room, she discovered the nightstand and dresser were torn apart.
The burglars pried open a safe and took the $200,000 in cash, $125,000 worth of jewelery and a .9mm Ruger handgun that were inside, according to officials. A second safe was also missing from the home.
Police say there were no signs of forced entry and the home security system had been removed.
Investigators are combing surveillance video in the area in the hopes of finding clues to the suspects' identities.
Early Sunday morning, Jackson addressed the burglary on his Twitter account.
The things they do 4 a lil paper !! Keep a smile on my face God Plan 4 me bigger then that !! Know that �� http://t.co/TfN1B1pXRR — Desean Jackson (@DeseanJackson10) January 12, 2014


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These interactive problems are to be used with Chapter 5 (Classification of Collateral), but also may be used alone.
To see the entire textbook - CANINE: Complete Article Nine, click here.
Lesson Completion Time
15 minutes
Access Denied
Access to CALI Lessons is restricted to people affiliated with CALI member organizations and those who have purchased individual memberships. You may register or login to run CALI Lessons.
CALI Topics
Lesson Authors
Lesson ID


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Age verification for alcohol products: we check the birth date 18+ in passport before delivering the order to recipient.
Pricing & availability: all pricing and product availability are subject to change. Product may be substituted to the same kind and quality at any time. According to the member's or the lady's request the product can be subsituted to another one and/or the Gift certificate. Delivery terms: gifts normally are delivered within 3-5 business days. Weekends and holidays are not considered business days. However, during times of heavy order volume we recommend ordering gifts at least one week in advance. In case special delivery term is required, please contact our friendly members service.
Coco Chanel wanted "a woman's fragrance that smells like Woman." When perfume designer Ernest Beaux presented her with his 5th composition, the choice seemed simple and obvious. Her perfume would be called N°5. Five was her lucky number.
Leader of the aldehyde floral family, N°5's top note soars with hesperidia followed by a floral bouquet of jasmine from Grasse and may rose. Sandalwood and vetiver give the end note a woody touch.
The most luxuriant gift! This perfume will make every woman feel like a queen!


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The ambitious Pacific Coast Spirits brings urban distilling to Oceanside
Grape vodka, heirloom corn bourbon, and a plan to malt its own barley
Ian Anderson 3 p.m., Dec. 12
The Tijuana Estuary is one of the few estuaries in Southern California that has natural, daily tidal flushing that enables this wetland to be among the most biologically productive systems. The trails described are in the north section of the Tijuana River National Estuarine Research Reserve, one of 35 designated "Wetlands of International Importance" in the United States, per the Ramsar Convention of 2005.
The trails are well marked and easy to follow out. Return on the same trail. Trails are laid out to protect the multiple habitats that include salt marsh, coastal sage scrub, maritime succulent scrub, dunes, and riparian. These differ in amount of water, salt content, and soil types. Inches of elevation can also add to the habitat differences where indicator species differ from one section to another. Margins of habitats are active as different food sources attract multiple birds and insects. Knowing bird-feeding preferences, nesting sites, and behavior improves enjoyment of this wetland.
Visit the visitors center, where there is a stand with free maps and pamphlets to browse, plus current information on any scheduled walks or updates in the area. Just south of the center there is a native plant garden that includes a low ground mat of heliotrope with curved double rows of small white flowers with purple centers, flat-top buckwheat, California sagebrush, and lemonade berry. The path southwest of the center has a view of a wooden trestle — all that remains of a structure built after WWII to support a sewage-outfall pipe to the mouth of the river when the military no longer used the area for coastal defense.
Walk south on the N. McCoy trail, named after Dr. Mike McCoy, who along with biologists Joy Zedler and Paul Jorgensen worked to build support for preserving the estuary in 1971. Pass over the bridge and notice two plants — pickleweed and alkali heath — that tolerate the high salt content of the marsh. The pickleweed has segmented fleshy stems that store the salt until concentrated and then break off when full. The flowers are very small and yellow in color with the leaves reduced to scales. The alkali heath shrub, with its tiny pink flowers, grows on alkali flats or in salt marshes and excretes salt. Watch for egrets, curlews, and night herons feeding along the inlets.
Backtrack over the bridge, turning east, then south along houses and an active naval aviation training facility. Continue on the River Mouth Trail to the end, then west at the water to view shorebirds. Reddish egrets are uncommon and look like they are dancing when feeding.
Return to your car, then drive to Imperial Beach Blvd., turning right to Seacoast Dr. until the end and park. Along the east side of the street, there are small patches of Salt Marsh Bird's Beak, an endangered annual hemiparasite that is only found in ten locations. Continue down the road to the viewing deck, then cross to the Pacific Ocean shore and turn south to the Tijuana River mouth to watch the birds. It was here that Alan "Dempsey" Holder pioneered California big-wave surfing over a mile from the shore from 1930 through the 1950s. Backtrack to the car to complete this walk.


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Więcej marek od
To connect Philips Hue to your Alexa, you will need the latest version of the Hue app and a Hue Bridge v2 (square-shaped). Your Alexa device must be connected to the same Wi-Fi network as your Hue Bridge. Enable the Hue skill in your Alexa app. If you do not have a Hue account, you will be required to create one. Follow the prompts to complete the setup.
Once the device is connected, ask Alexa to "discover devices" or select "Discover" in the Alexa app. This will display all of your lights, Rooms, and scenes. After a successful pairing, you can control your lights with your voice.
You will need:
Go to Settings > HomeKit & Siri and follow the on-screen instructions to pair your Philips Hue app with HomeKit.
To connect Philips Hue to your Razer Chroma products, you will need:
*Download and install this app on your PC.
Log in to Razer Synapse 3 using your Razer account and navigate to Modules > Philips Hue. Synapse 3 will automatically search for a Philips Hue Bridge. Click the Pair button on the screen and press the large round button on your Hue Bridge. You can customize your lighting setup within the Philips Hue module in your Razer Synapse 3 program.
All Chroma-enabled Razer devices work with Philips Hue and the latest version of Razer Synapse 3.
Mouse Devices
00800 744 547 75
Monday - Friday 09:00 – 18:00


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KANSAS CITY – Akal Security, Inc., the largest provider of contract security services to the federal government, will pay $1.62 million to a class of 26 female security guards, settling a pregnancy discrimination lawsuit filed by the U.S. Equal Employment Opportunity Commission (EEOC), the federal agency announced today.
According to the EEOC, in 2004 New Mexico-based Akal began a nationwide pattern and practice of forcing its pregnant employees, working as contract security guards on U.S. Army bases, to take leave and discharging them because of pregnancy. The women worked at Fort Riley, Hood, Stewart, Campbell, Lewis, Anniston, Sunny Point and Blue Grass Army Depot.
Akal also subjected the women to less favorable terms and conditions of employment because of pregnancy, including preventing them from completing their annual physical agility and firearms tests or forcing them to take such tests before their certifications had expired. Akal also retaliated against an employee who complained about the discrimination by filing baseless criminal charges against her, the EEOC said.
Such alleged conduct violates Title VII of the Civil Rights Act of 1964, as amended by the Pregnancy Discrimination Act, which prohibits gender discrimination in employment, including pregnancy discrimination. The EEOC filed suit against Akal in 2008 in U.S. District Court for the District of Kansas (U.S. EEOC v. Akal Security, Inc., Case No. 08-1274-JTM-KMH) after first attempting to reach a pre-litigation settlement through its conciliation process. Eleven of the class members were also individually represented by Forrest Rhodes and Don Berner of Foulston Siefkin, LLP, Wichita, Kan. According to its website, www.akalsecurity.com, Akal is one of the largest contract security companies in the United States and operates in 40 states and 20 countries.
"This is a very important settlement that will help protect an entire class of women from discrimination on account of pregnancy," said EEOC Chair Jacqueline A. Berrien. "This agreement reinforces the EEOC's commitment to securing fair and equal treatment for all women in the work place."In addition to the monetary relief, the two-year consent decree settling the suit requires Akal to:
- Report to the EEOC about any employees who are required to take a leave of absence while pregnant, are terminated while pregnant, or make a complaint of pregnancy discrimination;
- Report to the EEOC about any physical agility test it intends to implement to screen or requalify employees and whether pregnant employees are permitted to take the test;
- Issue a message from its CEO to all employees along with a well-defined, comprehensive anti-discrimination policy; and
- Provide annual compliance training to managers and supervisors on the requirements of the Pregnancy Discrimination Act.
"Akal operated its business without regard to federal law," said Barbara Seely, regional
attorney for the EEOC's St. Louis District Office, whose jurisdiction includes Kansas. "Employees who become pregnant and can continue to perform their jobs should not be pushed out of traditionally male jobs just because they don't fit the employer's image. We are confident Akal now understands the price of allowing this type of illegal stereotyping to drive employment decisions, and that it will ensure pregnant employees are treated fairly going forward."
Have you ever suffered pregnancy discrimination? Tell us about it. Leave a comment.
The EEOC enforces federal laws prohibiting employment discrimination. Further information about the EEOC is available on its web site at www.eeoc.gov.
Source: "Akal Security Pays $1.62 Million To Settle EEOC Class Pregnancy Discrimination Claims" 1 Dec, 2010. U.S Equal Employment Opportunity Commission Website 2 Dec, 2010. http://eeoc.gov/eeoc/newsroom/release/12-1-10.cfm


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Welcome to OrchidTalk Orchid Forums
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OrchidTalk - "Bringing People Together to Grow Orchids Better!"
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Below you will find a list of discussions in the Fish and Amphibians forums at the OrchidTalk Orchid Forums - Grow Orchids!. The Fish and Amphibians forum What's a pond without these? Selection and proper care to keep your pond in balance.


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Storm Eleanor: What you need to know
A yellow weather warning for gales of up to 70mph is out until late Wednesday morning.
Forecasters have been warning about such extreme conditions - including a combination of high tides and strong winds - as Eleanor is the latest storm to lash Britain this week.
:: Which areas are likely to be most affected?
An Amber warning is in place for Northern England. A yellow warning (meaning "be aware" the weather conditions might affect you) is issued for Wales, the midlands and southern parts of the UK.
:: Is there a threat to life?
Winds as strong as 70mph are capable of causing structural damage, downing power lines and uprooting trees, so it is important to be aware and travel only if necessary.
It is best to follow official guidance when the storm arrives and the risks become clearer.
:: Will it cause a lot of disruption?
The Met Office says road, rail, air and ferry services may be affected.
:: Should we be worried?
Don't be worried - but it is important to be aware, read the official guidance and check weather broadcasts when the storm arrives.


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By Amy Benson On · Add Comment
There are no upcoming events at this time.
The fairgrounds in a great place to hold your next event! With 22 acres of fence enclosed area and 12,000 square ft of open builiding spaces; we can house anything from a car show to a company picnic.


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Thai Premier League Wrap: Buriram finally beaten
Buriram United's incredible 34-match unbeaten run in the Thai Premier League came to abrupt end in a 3-2 loss at BEC Tero Sasana.
Alejandro Menendez's side had not tasted defeat in Thailand's top flight since a 2-1 setback at Chiangrai United in October 2012.
Buriram were crowned Thai champions last season after going the full campaign undefeated, but were undone in just the third game of the new season at the 72-Years Anniversary Stadium on Saturday.
There was no sign of the visitors seeing their run end when Jay Simpson scored from the penalty spot after 13 minutes, yet the hosts led at the break thanks to a quickfire double from Apiwat Ngualamhin and Gilbert Koomson shortly before half-time.
Victor Leonel Altobelli levelled the scores in the 55th minute, but the home side snatched an unlikely victory through Peerapat Notchaiya on 61 minutes.
Muang Thong United remain top of the pile despite dropping points for the first time this season in a 1-1 draw at home to Police United.
Mario Gjurovski opened the scoring in just the fifth minute, but Surachart Sareepim equalised in the second half.
Chonburi failed to win for the first time this campaign in a thrilling 3-3 draw with Ratchaburi, though it could have been worse for the home side as it required a late double from Wanit Chaisan to secure the point.
Suphanburi chalked up their first win this term in 2-0 triumph over Bangkok Glass, while the matches between Chainat and Sisaket and Army United and TOT both finished 1-1.
On Sunday, Bangkok United moved off the foot of the table as goals from Ekkachai Sumrei and Paitoon Nontadee secured a 2-1 win at Osotspa.
Singhtarua improved to third as a Leandro Oliveira double helped overcome a losing position in a 2-1 win over Chiangrai United.
Also on Sunday, Samut Songkhram lost 1-0 at home to PTT Rayong, and Air Force Central drew 1-1 with Songkhla United.


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text: No need for a bank: Just a smartphone and a blockchain. Houman Haddad/UN World Food Program May 1, 2017 Can blockchain technology help poor people around the world? Nir Kshetri, University of North Carolina – Greensboro Already becoming a darling of Wall Street, blockchain technology's biggest real benefits could come to the world's poorest people. Here's how.


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This next tutorial is a really cool lesson that will teach you "how to draw a glass step by step". The cup is as we know it, a necessity with modern day living. You use cups to drink water, and other beverages, as well as filling cups with yummy pudding or ice cream. Cups come in many different sizes, shapes, and colors. There is even a specific cup for a pacific beverage that you choose to drink. Cups are also referred to as glasses or a glass. The glass that I drew is filled with a nice heaping serving of orange juice. I chose orange juice as my drink because I recently had a cold and as you know vitamin C is an essential ingredient to ward off colds and keep our immune system running strong. This glass was drawn and colored in Photoshop CS3 which is why it looks so realistic. I do have a lesson on the way that will teach you how to draw realistic, and for those of you that have tablets, I think you will benefit from the tutorial. Well this is a very super duper easy submission that teaches you "how to draw a glass step by step". Do you now when the first glass was made? Well for starters, it is safe to say that glass has been used since the second millennium BC by the Egyptians and the Phoenicians. Glass nowadays is made from fine sand that is usually shipped from a remote place in another country. Glasses that are made today can be very unique or very simple. I think you will have fun drawing this glass because when you are done you can fill it with anything you want, even candy. Adios amigos and happy drawing.
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Discuss the very first incarnation of "The Ninth Configuration" that appeared in 1966 as "Twinkle, Twinkle, "Killer" Kane".
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Posted by Lewis on November 20, 2004
In Reply to: Craic posted by TheFallen on November 20, 2004
: : : : : : : : I just said this to some students and, thanks to the PF, found myself asking,"What is the origin of this phrase?"
: : : : : : : : Any ideas? SR
: : : : : : : I can't help you with the origin of the phrase, but here's what the OED says. "b. Colloq. phr. to get cracking: to get started; to 'get a move on'. Cf. GET v. 32b. Also with noun or pronoun (or other object) interposed between get and cracking. 1937 PARTRIDGE Dict. Slang 324/1 Get cracking, to begin work.
: : : : : : :
: : : : : : : c. to get going: to begin; to start talking, acting, etc., vigorously; to get into full swing; to 'get a move on'. Also trans., to start; to render (someone) excited, talkative, etc. See also to get cracking s.v. CRACK v. 22b.
: : : : : : :
: : : : : : : 1897 O. W. HOLMES Pollock-Holmes Lett. I. 77 He is really fine when he gets going on the Church of England." SS
: : : : : : I imagine it's related to the expresions, "To crack on more sail" or "to crack on more speed", maybe even "the crack of dawn". However, I draw the line short of "Cracking good toast, Grommet"!
: : : : : Why is this not related to cracking a whip in order to get a horse to go faster?
: : : : I'm rather drawn to the whip theory. "Let's get cracking" is, I am entirely sure, of British origin. There is a very similar verbal usage, namely "to crack on" - "How's he doing with that presentation?" "Oh, he's really cracking on with it", meaning he's well into his stride and fast on the way to completing the task. I'm faintly suspicious that "to crack on" is of nautical origins, as per above.
: : : "How's the crack" means something like "how's it going?" to Irish people. And to Americans? Well, let's just say I fell out of my chair the first time an Irish friend said this to me. Anyway, I'm wondering if anyone has a more specific definition and if it bears any relationship to this discussion?
: : : Camel
: : so it's true...crack really is whack.
: Craic, as Shae will no doubt confirm, is the Irish for something like "a good time". This has crossed the Irish Sea to become "crack" in UK English.
"The Craic" has been embraced by many British - there's hardly an Irishman of my age that I've known who hasn't used it sometime and it is such a great expression - with connotations of music, drink and laughter - that I use it myself. It is probably the equivalent of the archaic sounding 'carouse' - with which it is somewhat assonant.
'we had good craic' does not involve cocaine.


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City of Port Arthur to hold Annual State of Affairs Address
The Blue Santa Program and the City of Port Arthur would like to invite the public to the city's Annual State of Affairs Address on Thursday, April 10, 2013, at 11:30 a.m. at the Robert A. "Bob" Bowers Civic Center, 3401 Cultural Center Dr. The cost is $25.00 per person and the deadline to register is April 1. All proceeds from this event will be donated to the Blue Santa Program. To purchase tickets, please call Christe Whitley at 409-983-8015.


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Keys, please
Banks are preparing for thousands of repossessions this year, targeting tracker mortgages and homes in positive equity. Will it be fair, and will the country end up better off?
There will be a dramatic surge in home repossessions this year. Banks will move "distressed" borrowers, already struggling to make ends meet, from affordable tracker mortgages on to costly variable rates. These greedy institutions have been let off the leash by a Government desperate to resolve a mortgage crisis that has seen 100,000 homeowners fall into long-term arrears.
No, wait. What we are going to see is the introduction of a range of sensible measures aimed at tackling that crisis by helping banks engage with borrowers meaningfully, sympathetically and sustainably. This is the fairest way to tackle a debt crisis caused by feckless borrowing, and the best way to collectively move into a new era of fiscal responsibility.
Or maybe it's a little of both.
The battle lines were drawn two weeks ago, when Minister for Finance Michael Noonan and the deputy governor of the Central Bank of Ireland, Matthew Elderfield, announced a new strategy for dealing with the Republic's mortgage-debt mountain. Advocacy groups for holders of distressed mortgages insisted nothing was being done to help those most in need, while bankers congratulated the Government on its latest moves and called for more power to act tough.
The Government is not just paying lip service. Tackling mortgage debt is an important step in resolving the economic crisis, and not just because the troika is breathing down its neck.
Under the new proposals, the Central Bank has set six of the State's 16 mortgage lenders targets to offer borrowers "sustainable" restructured loan arrangements. These banks have until the end of the year to offer sustainable debt solutions to half of people in arrears. Banks that do not meet the targets will be penalised.
A restriction that has prevented banks making more than three unsolicited calls a month to borrowers in arrears will be lifted. Legislation is to be rushed through the Oireachtas, circumventing a legal judgment that effectively halted repossessions more than two years ago.
Banks will also be able to take people in arrears off tracker rates once they offer an alternative deal that is said to be more advantageous to the borrower in the long term.
The word "sustainable" has been repeatedly used by Ministers and regulators in recent days. But what does it mean?
"The banks have been told they have to offer sustainable arrangements, but there is no definition of what sustainable is," says Brendan Burgess of the financial advice website askaboutmoney.com. "That is a big flaw with the new arrangements."
Burgess says a bank might make an offer that it claims is sustainable but that the borrower sees as impossible. And there is no referee to make a final call. That is not to say there is no appeals process. Each of the banks has an appeals board, but they are staffed by bank employees, whose impartiality is questionable.
Going after homes with equity
Burgess is gloomy about what lies ahead for tens of thousands of people.
"First, the banks will go after those who still have equity in their house," he says. "If someone who bought in 2002 has a mortgage they are struggling to pay, there is a real incentive for the banks to pursue them. They can repossess that house and sell it at a profit.
"They are also going to go after trackers," he says. "They will want to push as many people off trackers as they can, and they will be able to say they have targets set by the Central Bank. They can say they have been ordered to restructure or repossess."
The phones ring steadily in the offices of the Irish Mortgage Holders Organisation, off Capel Street in Dublin, this week. Scribbled in red marker on a whiteboard are the times of more than a dozen pending court actions. Behind each of those names is a heartbreaking story, says David Hall, a director of the advocacy group.
Hall says the banks have been given the moral authority to turf people out of their homes. He says that the new arrangements are riddled with holes and that sustainability hasn't been defined. "Affordable hasn't been defined. And Noonan said homes would be repossessed only as a last resort. But what does 'last resort' actually mean? That hasn't been defined."
Suite of solutions
Noonan has also claimed that a "suite of solutions" is available to holders of distressed mortgages. They include mortgage-to-rent deals that would see homeowners surrender their houses to the lenders but continue to live in them as tenants; split mortgages, which would see a portion of a mortgage warehoused, allowing homeowners to pay the interest and capital on the remainder; and debt-for-equity deals, whereby banks would take a share in a home and realise that equity only when the house was sold.
Hall does not believe such deals are options for most people. "Where are they?" he says. "Only two of the six covered banks currently offer split mortgages, and only two offer mortgage-to-rent, so what is the Minister talking about? The reality is that most lenders are not offering the main solutions. We are five years into this crisis, and so far there have been 52 split mortgages offered, six trade-down mortgages and eight mortgage-to-rent deals. That is 66 arrangements out of more than 100,000 people who are in trouble."
He does not believe the changes announced last week will fix the problem, and he anticipates that "all hell is going to break loose when it comes to repossessions" in the next six months.
Karl Deeter of Irish Mortgage Brokers agrees, at least in part. "There will be a lot of repossessions, and the buy-to-let sector in particular is going to be hammered," he says.
Deeter is more sanguine than Hall, and points out that many of the properties that will be taken "should have been repossessed over the past four years". He believes people who are two years in arrears will be dealt with first, with most set to lose their property. "They will also be getting away from unsustainable debt, and those people's credit rating has already been destroyed.
It is widely accepted that buy-to-let borrowers will be first against the wall, but family homes might be taken too. Anyone who thinks they will be able to surrender their house and walk away debt-free if their mortgage is in arrears is mistaken, says Burgess.
The plans do not mention legacy debt or debt forgiveness. Lenders may not actively pursue borrowers for unsecured debt. "But do you want that hanging over you for the rest of your life?" asks Burgess.
Restoring the power of banks
The Irish Bankers' Federation has a very different perspective. It has welcomed the proposed lifting of restrictions that cap the number of unsolicited calls banks can make to borrowers to three a month.
"Among lenders there is huge frustration at not being able to constructively engage with borrowers in arrears," says Felix O'Regan of the federation.
"There are customers who are strategically playing the system, and banks are being forced to do their job with one, if not both, arms tied behind their back."
O'Regan says banks have to be able to threaten repossession to bring some people to the table.
"It is this threat that focuses minds. Both inside and outside the banking sector, there is a belief that restoring the powers of banks to do that will most likely give rise to a change in behaviour among a certain category of borrower."
Strategic defaulters
The category O'Regan is referring to is the so-called strategic defaulter, who can pay off debt but chooses not to. "All our members are concerned about certain trends where they see no apparent change in a borrower's circumstances but a very serious change in repayment behaviour." He describes the level of strategic default as significant.
Brendan Burgess estimates that about 10 per cent of people in long-term arrears are strategic defaulters, having chosen to be "because they have realised the banks cannot do anything".
Some people are taking advantage of the system to escape debt. One financial adviser outlines one of the methods such people use. "Let's say you have a family home and five investment properties on which you have mortgages of €200,000 each. You get a monthly rental income of €1,000 on each of these apartments. This covers the rent, but you want rid of them.
"In the first month you don't pay the mortgages on the investment properties and put the money into an account the bank will never be able to access . . . You do the same in the second month and ignore the letter from the bank warning you that you are now in arrears." For the rest of the year, make sporadic payments, feign illness and make life difficult for the bank. By the 12th month, legal proceedings will have begun, but the strategic defaulter will have siphoned off more than €50,000. The bank may seek to repossess the family home, he says. "It is most unlikely to be able to repossess that. Even if it does, you can declare yourself bankrupt, wait three years and use the cash reserve to start again."
David Hall does not believe that 10 per cent of those in arrears are strategic defaulters or resort to such cynical methods. In his experience, most of the people in trouble have no plan and are simply being punished by the banks.
"It is very hard to understand the impact being in serious debt can have on people," he says. "It strips them down to the bone and tears away their defences. We deal with people from all walks of life, but the one thing they all have in common is incredible stress and fear.
"And it is so unnecessary. The banks are putting people through this because they have these outdated processes and they are dysfunctional and broken. The new rules do not address the problem. They don't change the process."
Some banks are doing deals, albeit secret ones that require borrowers to sign nondisclosure agreements; others are much more bullish. How the conversations between distressed borrowers and their lenders end depends on which bank you talk to. "AIB and Permanent TSB are more open to negotiate," and KBC is the easiest of all, says Hall. "Ulster Bank is the most aggressive."
The problem of mortgage arrears is not unique to Ireland. Property bubbles have burst before, and in the recent past Sweden, Norway and France have coped well with similar situations.
Following Norway's example
Norway had a huge property bubble that burst in 1987. By 1993, houses had lost up to 60 per cent of their peak value. As the number of evictions increased the government introduced a debt-settlement act. If a person was found to be incapable of paying their mortgage in the short to medium term, a deal was struck.
If borrower and bank failed to to reach a voluntary settlement, the state stepped in. Mortgages were split in two. The first part was secured debt and put at the current value of the property plus 10 per cent. The rest was unsecured debt. For five years, only the interest was paid on the first part of the debt. At the end of the five-year process, the unsecured balance got written off.
Within five years Norway's property market had bounced back. Those who had taken advantage of the system still had their houses, and manageable mortgages too, but everyone, including those who had struggled through and continued to pay their debts, was better off because the market had rebounded and the economy had started to function.
Such regulatory muscle is missing here, says David Hall. "The Central Bank should have given prescriptive solutions. It should have said you can't charge interest on the warehoused portions of a mortgage, and it should have said the splits would have to be 50/50, or the debt-for-equity deals would have to be at least 60/40.
"Instead it has left it in the hands of the banks, and they will cherry-pick where they will go first. There will be a big increase in repossession procedures, and we will have a very difficult six months. There will be repossessions coupled with confusion, and at the end of the 12 months I think very little will have changed," says Hall.
So what happens next? The threat of repossession may see strategic defaulters come to heel. Actual repossessions might allow people escape debts they will never pay. They might also allow the banks to maximise their returns on bad loans and return to profitability, which will in turn help the economy return to an even keel. People might end up homeless, and on the social-housing list as a result of losing their homes, while banks desperate to sell thousands of repossessed homes could further depress the market.
Or maybe nothing will change.


text: Personalities Primos Hunting Team Will Primos At the age of five, one could already see the passion in Will Primos' eyes. Will couldn't wait until he was old enough to tag along with the older guys on one of the family's many duck hunts. In 1963, an 11 year old Will crafted his first call, a duck call. From that first effort evolved what is now heralded as the most accurate, most reliable call on the market, the legendary Primos Hunting Call. Ask any hunter who makes the best game calls and chances are you'll here the name Primos. Many call companies specialize in making calls for one type of game species. Primos makes calls for every category of game species hunted in North America. In 1986 Will decided that people would believe in his product and buy it if they could see it work. The first video Primos put out was called "Spring Turkey Hunting with Primos." Today Primos Hunting Calls has over 100 employees, and manufactures around 300 products. To this day, Will still checks the quality of the calls coming out of the factory. "We have a team of employees who come sit in my office and lay out a sampling of calls, and we check them to see that they've maintained the quality I started with 26 years ago," Primos says. At the end of the day, Primos says, the company's success comes down to quality, and a belief in what they are doing. "Everyone here is a hunter, and if we don't use a product and don't believe in it, we can't market it," he says. "If it's not our heart and soul, we aren't going to do it. We're going to keep on caring about the products that we manufacture - the bottom line is, we are our own customer. That's the foundation of Primos Hunting Calls". Brad Farris Brad was born in Jackson, MS and has lived here his entire life. Growing up, Brad could always be found hunting whatever was in season or fishing during the long summer months. Brad worked in an archery pro shop for 7 years then went to Tara Wildlife for 4 years where he guided bowhunters. Brad is currently the VP of TV and Video at Primos and has been with Primos for 13 years. Although Brad has been all over the US chasing all kinds and types of animals, his favorite time of year is when he is at home either filming his daughter Morgan or chasing River Bottom whitetails. Jimmy Primos Jimmy Primos has been the Chief Operating Office for Primos Hunting Calls since 1986. Jimmy graduated from Ole Miss in 1969, served as a Marine Officer in Vietnam, and worked as a Broker for Merrill Lynch prior to joining Primos. Primos Hunting Calls is based out of Flora, MS and is widely known for their Game Calls, The TRUTH DVD Series, as well as Primos TRUTH About Hunting and Primos TRUTH About Whitetails television shows as seen on the Outdoor Channel. Jimmy oversees the day-to-day operations of the production, shipping, sales and order entry departments. Jimmy also makes regular appearances at many trade shows across the country each year. Jimmy enjoys collecting old guns and shooting firearms in his spare time. Jimmy's favorite thing to hunt is whatever gets him out of the office! Kevin Meacham Kevin Meacham was born, and raised in Clinton, MS, where he grew up hunting and fishing with his dad and brothers along the banks of the Mississippi River. Kevin managed Deer Creek Plantation in Port Gibson, MS for 3 years prior joining the Primos Video Team in 2002. Kevin is a TV and Video Producer for Primos and his primary role is arranging the hunting schedule, tags for the Video Team, as well as communicating with the outfitters and landowners prior to the Video Team arriving at their lodge to hunt. Although he gets to travel many great places and see all kinds of game, Kevin enjoys traveling to the Midwest during the rut to chase whitetail deer the most. Slade Reeves Slade Reeves has been a member of the Primos Video Team for 4 years. Slade was raised near Montgomery, AL and grew up hunting and fishing with his dad and grandfather. Prior to joining the Primos Video Team, Slade worked for the Alabama Dept. of Conservation editing the Outdoor Alabama TV Show. When not hunting, he spends time fishing and competing in hunt tests with his Labrador Retrievers. Slade has competed with his dogs in the Grand Hunting Retriever Championships and the Super Retriever Series. He is an Editor and Producer at Primos where his primary focus when not in the field is editing the Primos "TRUTH About Whitetails" TV Show on the Outdoor Channel. Slade's favorite time of year is late winter when the whitetail rut is in full swing in Alabama and Mississippi. Keith Burgess Keith Burgess has been with Primos since 2000. His dad began hunting with him at an early age. After school he started farming with his father until the age of thirty in north Louisiana. In 2000 Keith started in our Customer Service Dept. and then joined the Video Dept. in 2003. Keith's hometown is Monticello, LA but he now resides in Bentonia, MS. Keith is an editor/producer for the Video Department and his main responsibilities are to maintain the cameras and equipment as well as care for and inventory guns and other equipment that the Video Team needs and uses. Keith's favorite time of the year is the fall where he can go chase elk in the mountains of Colorado. Chris Ashley Chris grew up hunting with his father near Vicksburg, MS where he was born and raised. Chris harvested his first doe at age nine and the rest is history. He started guiding bowhunters at Tara Wildlife in 1995 prior to joining the Primos Hunting Team in 2000. Chris is mainly responsible for updating footage to the main servers for editing when not in the field. In the off season Chris enjoys riding horses and bass fishing. Although Chris has taken numerous deer and big game across the United States and Canada, his favorite time of year is the whitetail rut in the Mid-West. Cody Kelley Cody Kelley is the newest member of the Primos Team. Cody is from Louisville, MS. He Graduated from Delta State University in Cleveland, MS where he pitched for 4 years for the Statesmen baseball team. After his senior season, he had a short dip into minor league bus rides. After the 2011 baseball season, he came on board with Primos as a free-lance cameraman in October, 2010. After going back and graduating in May 2011, he joined our Video Team as a full-time employee in July 2011. Cody began hunting when he was four years old with his dad in the hills of Mississippi. His Father taught him the appreciation and love for the outdoors that has always been passed on. Cody's favorite time of the year is bow hunting whitetails during the pre-rut. The bucks are up cruising, marking territory, and calling is at an all-time high. As a hunter, he loves the rush of finding sign of a big whitetail, hanging a stand, and it all coming together for that one opportunity. Cody also enjoys chasing an ol' weary longbeard in the spring. To him, there is nothing like being in the spring turkey woods at daylight and hearing that first gobbler sound off to the sound of a faint hoot owl. His favorite turkey hunting situation is setting up on a loud Eastern in open hardwoods in Mississippi or Missouri. Related Shows Primos TRUTH About Hunting Primos Truth About Whitetails


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Download Free Excerpts from Manipulating the Mouse Embryo: A Laboratory Manual, Fourth Edition: Preface and Contents Protocol for Reprogramming Mouse Fibroblasts Protocol for the Injection of RNA into Zygotes Index
Download Free Excerpts from Manipulating the Mouse Embryo: A Laboratory Manual, Fourth Edition:
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This fourth edition of The Mouse Manual — Manipulating the Mouse Embryo — appears 28 years after the first edition and once again is the definitive reference source on mouse development, transgenesis techniques, and molecular biology. While many of the techniques described in earlier editions of this manual have been relegated to core facilities, advances in DNA sequencing techniques and genome analysis have opened new avenues of research and developments. New approaches, such as the derivation of induced pluripotent stem cells and new targeted gene manipulation techniques that enable direct injection of RNA/DNA constructs into zygotes to achieve gene targeting, require new explanations and protocols. Authors Richard Behringer, Marina Gertsenstein, Kristina Nagy, and Andras Nagy—pre-emininent leaders in their fields—have taken these developments into account in updating and rewriting this fourth edition to include new information and protocols on:
In addition, the wealth of essential information on mouse laboratory strains, mouse housing and breeding, surgical procedures, assisted reproduction, handling of embryos, and micromanipulation setups has been entirely updated. The first edition of Manipulating the Mouse Embryo appeared in 1986 as an outgrowth of Cold Spring Harbor Laboratory courses on the molecular embryology of the mouse held in the early 1980s, and authors of the first two editions included Brigid Hogan, Rosa Beddington, Frank Costantini, and Liz Lacy. The field's technological sophistication has grown exponentially since then, but the manual remains the essential practical and theoretical guide for all students, lab technicians, and investigators who work with mice.
What's New in This Edition?
I have the third edition. Why should I buy the fourth edition?
The new technologies regarding induced pluripotent stem cells and RNA injection and CRISPR technology are changing the field and opening up new avenues of investigation. The protocols for these as well as other up-to-the minute techniques in the fourth edition are by the leading proponents in the field and offer clear step-by-step guidance with copious illustrations.
To whom is this edition addressed—the neophyte or the experienced investigator?
Both groups can benefit from this manual. For the neophyte, the summary of mouse development and the how-to's of setting up a working laboratory are an invaluable introduction to the field. For the experienced investigator, the detailed protocols of new techniques in the field, with extensive troubleshooting and over-the-shoulder advice, allow easy integration of these techniques into a laboratory's research objectives.
Are the protocols in this book better than those available for download on the Web?
Many of the protocols available on the Web are perfectly good, but there are many that are not. Reagents are expensive and deadlines are tight. CSHL Press manuals provide protocols that have been formulated and tested in the labs of leading investigators in the field. They are reliable and they work. And they include the context and troubleshooting information that many online protocols do not have. In the case of the protocols in this manual, there is a bit of "art" required in the performance of these protocols. But the experience and advice of these authors provides all of the information needed to achieve success in the lab.
The editors...should be praised once again for a brilliant work done, accommodating the latest techniques in mouse embryo manipulation, while not forgetting the traditional procedures that must be learnt properly by anyone joining this field of animal transgenesis for the first time.
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When the Chinese subsidiary of a Danish manufacturer of hearing aids opened a nationwide chain of retail stores, Sage provided the foundation for establishing long-term customer relationships.
Creaking systems inadequate for retail
For over a decade customer information had been collected by a creaking system of spreadsheets and paperwork that was woefully inadequate for the new retail operation, where success would depend on each outlet engaging with customers and building loyalty. "We had a problem with the integrity of the data," said Steen Teisen, Chief Executive Officer of Widex in China. "Spreadsheets are very vulnerable; information can easily be deleted or wrongly entered. And we didn't have the database management tools to extract the information we wanted."
Deployed centrally, used nationally
CRM software was identified as the best way forward, giving the business the ability to access relevant data and use it for competitive advantage. The company was looking to devise carefully targeted campaigns to add value in a price-driven market.
Sage was chosen because of its value proposition in terms of features/cost and its user-friendly interface. Sage was installed in the Shanghai headquarters with Sage partner Sagesoft Solutions carrying out the deployment and some customization work, first creating fields in the software to capture the precise data that Widex wanted, then integrating it with the company's accounting solution. Each retailer uses Sage to track customer engagements up to and beyond the initial purchase. Repairs are logged in the system, including the number of batteries bought. If battery sales dry up then employees know it's time to contact the client. "The system lets us see red flags early and warns us of potential problems with a customer," said Teisen.
End-to-end customer engagement drives sales
Sage gives Widex a better understanding of users and prospective customers, far beyond the capability of the old spreadsheets. From first sale to repairs and upgrades, Sage has become a repository for each customer's entire history. Everyone is working from the same database, a single source of accurate information that is overseen by the Widex management.
With a range of more than 70 products and more than 10,000 customers in their database, Widex is better able to match the right hearing aid to each client's needs and is already engaged with customers when they begin to think about an upgrade. It provides information that lets them target customers through direct marketing. "Sage helps us tailor campaigns that are a lot less wasteful than advertising. We can make sure relevant customers are alerted when one of our roadshows visits their area, for example, or we can send them information about a new product that suits their profile," explained Teisen.


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Aramis placed on DL; Braun day to day with stiff neck
Brewers call up versatile rookie Prince to bolster roster depth
MILWAUKEE -- Ill-timed injuries meant the Brewers played without their two best hitters Saturday, when left fielder Ryan Braun remained sidelined by a stiff neck and third baseman Aramis Ramirez was placed on the 15-day disabled list with a sprained left knee.
An MRI scan confirmed the sprain for Ramirez, who missed two weeks in Spring Training with the same injury. To fill his spot on the roster, the Brewers promoted super-utility man Josh Prince from Triple-A Nashville.
"It could have been worse," said Ramirez, who was actually moving around the clubhouse quite well. "Last night, I didn't feel good. There's never a good time for injuries, but at least it's not that serious, I guess."
Ramirez was injured sliding into second base on Friday night, a scenario nearly identical to March 2, when he first hurt the knee against the Angels. Ramirez was on crutches the next morning, but two weeks later he was healthy enough to play.
Even if he heals faster this time, the Brewers needed reinforcements. They began the season with a four-man bench, which was down to two after losing Braun and Ramirez.
"They have to [make a move]," Ramirez said. "Last time it took me two weeks. This gives me the full 15 days to recover. You never know how long it's going to take, how it's going to respond, because you can't do anything to it. You can't shoot cortisone in it or anything like that. You just have to let it heal. Hopefully, I just need 15 days."
The Brewers expect to have Braun back much sooner, though his neck remained completely locked up on Saturday afternoon. He first felt stiffness during a Friday afternoon workout, and the condition worsened dramatically during his second round of batting practice.
"It's not any better today than it was yesterday," Braun said. "All I can do is wait."
"This is literally day to day," Ash said. "It's not the cliche day to day. It's literally day to day. … Not enough improvement today, but they'll continue to treat it. Worst-case scenario -- I asked -- is probably five days. Hopefully, it's not that."


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PREVIOUS POSTS IN THIS SERIES:Sarah Maria (Pemberton) Morrison Jones (1851-1941)
Well, I'm finally getting around to posting about another of Jeremiah and Susanna (Jermyn) Pemberton's children. I'm still cleaning up the source citations and events in my database for Jeremiah and Susanna's children. My last post was about Sarah Maria (Pemberton) Morrison Jones. This time I'm writing about Sarah's older sister, Eliza. Eliza Jane Pemberton was the fourth child of Jeremiah and Susanna. They are both younger sisters of my 3rd great-grandfather, John Pemberton. I'm going to do this post in a slightly different format than Sarah's post because it seemed to take forever to write that one VERY LONG post about Sarah and her descendants. Also, because Eliza had several children (unlike Sarah, who only had one child that survived to adulthood), I'll save the details about them for another post.
Birth Date/Place of Eliza Jane (Pemberton) FinkleThe only piece of direct evidence I have for Eliza's birth date is her death record. According to Eliza's death record, she was 82y 7m 4d when she died in 1927. This would put her birth date at 16 Sep 1844. This seems to be supported by a couple of other sources, including the 1860 census (age 15) and the 1870 census (age 25). However, after 1870, her age moves around like crazy on the remaining census records. She is 33 in 1880, 52 in 1900, 62 in 1910, and 74 in 1920. These would put her born anywhere between 1845 and 1848. Her marriage record from 1865 gives her age as 19, making her born around 1845-1846. A transcription of the 1894 State of Michigan census gives her age as 43, making her born around 1850-1851 (I need to view the original to verify, esp. since this is so far off from other sources).
At least the sources are more consistent on her birthplace: Canada. The only sources that seem to waiver on this are the 1870 census, which gives her birthplace as New York, and the 1894 State of Michigan census, which gives her birthplace as Michigan. Some vital records and census records of Eliza's children also give her birthplace as Michigan.
Marriage to David Finkle
|St. Clair County, Michigan, Marriage Book 2: 476, Fincle-Pemberton, 1865; FHL microfilm 976,870.
Recorded July 4th 1865
Geo. F. Collins, Clerk
State of Michigan
St. Clair County
I hereby certify that on the 27th day of April 1865, at Clay, I did join in marriage, David Fincle of this township of Clay aged 20 years, and Eliza Pemberton of the same place aged 19 years, in presence of two witnesses (to wit) Sylvester Sumners and Isaac Combs of Clay, St. Clair County Mich.
Isaac Klein
Justice of the Peace
David Finkle, age 20, and Eliza Pemberton, age 19, were married 27 Apr 1865 in Clay Township, St. Clair, Michigan. Witnesses were Sylvester Sumners and Isaac Coombs. Isaac Coombs was a farmer and the stepfather of Eliza's future brother-in-law, Joseph Phelps. In fact, Isaac may have also been the maternal uncle of David Finkle (more research for another post). Sylvester was a laborer who was born about 1820 in New York (1870 census - Clay, St. Clair, Michigan). I don't know of any relation between Sylvester and David or Sylvester and Eliza. The marriage was performed by Isaac Klein, Justice of the Peace.
Children of David Finkle and Eliza PembertonDavid and Eliza had seven children, five boys and two girls.
- William Finkle (1866-1948)
- Burton Finkle (1868-1909)
- Eva Finkle (1870-????)
- Jeremiah M. Finkle (1871-1927)
- Hayes Wheeler Finkle (1877-1953)
- Frances E. Finkle (1879-????)
- Roy David Finkle (1885-1963)
David and Eliza in the Census
1870 U.S. CensusIn 1870, David and Eliza, along with their three oldest children, appeared in the household of Eliza's parents, Jeremiah and Susanna Pemberton, in Algonac, Clay Township, St. Clair, Michigan.
Susanna Pemberton 50 F W Keeps House Ireland
Samuel Pemberton 22 M W Sailor New York
William Pemberton 20 M W Sailor New York
Sarah M. Pemberton 19 F W At Home New York
Ella Pemberton 15 F W At Home New York
Charles Pemberton 13 M W At School Michigan
David Finkle 27 M W Sailor Michigan
Eliza J. Finkle 25 F W At Home New York
William Finkle 4 M W Michigan
Bertis Finkle 2 M W Michigan
Eva Finkle 2/12 F W Michigan Mar
1880 U.S. CensusIn 1880, David and Eliza were again in Clay Township, but this time in their own household with six children and a servant.
Eliza Finkle W F 33 Wife M Keeping House Canada/New York/England
William Finkle W M 14 Son S Labors on farm Michigan/Michigan/Canada
Burton Finkle W M 11 Son S Labors on farm Michigan/Michigan/Canada
Eva Finkle W F 10 Daughter S Michigan/Michigan/Canada
Jeremiah Finkle W M 7 Son S Michigan/Michigan/Canada
Hays Finkle W M 3 Son S Michigan/Michigan/Canada
Francis Finkle W F 1 Daughter S Michigan/Michigan/Canada
John Watson W M 36 Servant S Farm laborer Ireland/England/Scotland
It seems like David gave up his sailing days to become a farmer. I have searched for further information on John Watson, but he appears to disappear from Clay Township after 1880.
1894 State of Michigan CensusBelow is a transcription of the Finkle household in the 1894 State of Michigan Census for St. Clair County:
42 17 Plank Rd. 166 175 Finkle David 43 M W Husband M N 9 8 MI MI MI ~ N N ~ Sailor
42 18 Plank Rd. 166 175 Finkle Eliza 43 F W Wife M N ~ ~ MI unk Eng ~ ~ ~ 9 Housewife
42 19 Plank Rd. 166 175 Finkle Wm. 26 M W Son S N ~ ~ MI MI MI ~ ~ ~ ~ Sailor
42 20 Plank Rd. 166 175 Finkle Burt 23 M W Son S N ~ ~ MI MI MI ~ ~ ~ ~ Sailor
43 1 Plank Rd. 166 175 Finkle Eva 22 F W Daughter S N 0 0 MI MI MI ~ N N ~ At Home
43 2 Plank Rd. 166 175 Finkle Jerry 21 M W Son S N ~ ~ MI MI MI ~ ~ ~ ~ At Home
43 3 Plank Rd. 166 175 Finkle Haze 17 M W Son S N ~ ~ MI MI MI ~ ~ ~ ~ At Home
43 4 Plank Rd. 166 175 Finkle Francis 14 F W Daughter S N ~ ~ MI MI MI ~ ~ ~ ~ At Home
43 5 Plank Rd. 166 175 Finkle Roy 8 M W Son S N ~ ~ MI MI MI ~ ~ ~ ~ At Home
By 1894, David and Eliza had relocated about 10 miles north of Clay Township and were living on Plank Road in Marine City. David was once again listed as a sailor. All seven children were enumerated in the household.
1900 U.S. CensusBy 1900, David and Eliza had moved 20 miles further north to Port Huron. All children but their oldest child, William, were enumerated with them.
Eliza J. Finkel Wife W F Sep 1845 52 M 35 8 7 Canada Eng/Canada Eng/England 1852 47
Bert Finkel Son W M Mar 1869 31 S Michigan/Michigan/Canada Eng Sailor
Eva Finkel Daughter W F Nov 1871 28 S Michigan/Michigan/Canada Eng
Jerry Finkel Son W M Dec 1873 26 S Michigan/Michigan/Canada Eng Sailor
Hayes Finkel Son W M Jun 1877 22 S Michigan/Michigan/Canada Eng Sailor
Frances Finkel Daughter W F Dec 1879 20 S Michigan/Michigan/Canada Eng
Roy Finkel Son W M Jun 1885 14 S Michigan/Michigan/Canada Eng
1910 U.S. CensusIn 1910, David and Eliza were living on River Road in Port Huron Township. Both daughters, as well as a son-in-law and grandson, were living with them.
Eliza J. Finkle Wife F W 62 M1 40 8 6 CanEng Unk Unk 1858
Thomas P. Leslie Son-in-Law M W 37 M1 9 CanEng Scot Scot 1888 Na Engineer Lumber Boat
Eva Leslie Daughter F W 38 M1 9 0 0 MI MI CanEng
Frances Downing Daughter F W 30 Wd 1 1 MI MI CanEng Dressmaker Dress Shop
Ray Downing Grandson M W 4 S MI CanSco MI
Looks like David had taken back to farming.
1920 U.S. CensusIn 1920, the widowed Eliza had moved from the farm and was living in the household of her youngest son, Roy, at 2015 Stone St. in Port Huron. Her son Hayes was also enumerated there.
Eliza Finkle Mother F W 74 Wd 1887 Na By Mar CanEng CanEng Eng
Hays Finkle Brother M W 44 S MI MI CanEng Carpenter Contractor
David and Eliza in County/City Directories:1883 St. Clair Co: Finkle David, o, Harsen's Island, Algonac
1885 St. Clair Co: Finkle David, f, Harsen's Island, Clay, Algonac
1887 St. Clair Co: Finkle David, O, Algonac
1893 Marine City: Finkle David, vessel captain, res n e cor Sixth and Plank road
1899 Marine City: Finkle David, sailor, res Plank rd
1901 Port Huron: Finkle David, carp, res --- 32nd s of Tunnel Sta
1902 Port Huron: Finkle David, carp Jenks S Co, res 32d
1904 Port Huron: Finkle Mrs Eliva, res 1419 Wills [Wells]
1907 Cleveland, Ohio: Finkle David carp r 3707 Clinton av NW
1908 Cleveland, Ohio: Finkle David carp r 1864 W 48th NW
1921 Port Huron: Finkle Mrs Eliza, h 1804 Scott av
1924 Port Huron: Finkle Eliza J (wid David) h 1804 Scott av
1926 Port Huron: Finkle Eliza J (wid David) h 1804 Scott av
Interestingly, David and Eliza seemed to briefly live in Cleveland during the early 1900s. I suspect that David had moved there without her in 1904, which may be why Eliza was listed in the household of her son-in-law, Otto Downing, without David.
Death Date/Place of Eliza Jane (Pemberton) FinkleEliza's death record states that she died 20 Apr 1927 from endocarditis. Below is a transcription of the record:
Decedent: Eliza Finkle
Date of death: 20 Apr 1927
Sex: F
Race: W
Marital Status: Widow
Age: 82 y, 7 m, 4 d
Cause of death: Endocarditis
Birthplace: Canada
Occupation: None
Father: John Pemberton
Father's birthplace: Canada
Mother: Susanna German
Mother's birthplace: Canada
Source: St. Clair County, Michigan, Death Book 6: 195, Eliza Finkle, 1927; County Clerk, Port Huron.
I forgot to transcribe the place of death, but her obituary states that she died at the family residence at 1804 Scott Ave. in Port Huron.
|"Mrs. Eliza Finkle," obituary, The Port Huron (Michigan) Times Herald, 21 April 1927, p. 7.
Mrs. Eliza Finkle, 81, died at the family residence, 1804 Scott Avenue, on Wednesday afternoon.
She is survived by three sons, Hayes W. Finkle, this city, William K. Finkle, Tashmoo Park, Roy D. Finkle, Saginaw, two daughters, Mrs. Harry Knight, Lansing, Mrs. Thomas Leslie, Sandusky; a brother, Charles Pemberton, Algonac, two sisters, Mrs. Sarah Jones, this city, Mrs. Agnes Phelps, Algonac; one grandchild and one great-grandchild.This concludes my post about Eliza. I still need to search land and probate records, as well as city directories not available online, for Eliza. My next post in this series will focus a little more on Eliza's husband, David Finkle.


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Senior Life
News &
information for the seniors in our community
How to
Achieve a More Meaningful Retirement
Advisor Shares 4 Benefits of Charitable
Send a link to a friend
02, 2014]
June is
International Childhood Cancer Awareness Month � a designation for
most people to, if nothing else, take stock in the good fortune they
and their families have enjoyed, and consider contributing something
for charitable purposes. (Click
here to continue reading)
men can help guard against poverty in their golden years
Insurance industry expert shares 3 tips
during men�s health month
June is Men�s
Health Month, a reminder for men to do the things that they
generally don�t do as well as women: getting screened for conditions
that, detected early, are easily treated; seeking education about
health issues, and supporting each other�s well-being. (Click
here to continue reading)
Department on Aging launches a newly designed, user friendly website
Information about state programs and
protections to seniors available at
- Illinois Department on Aging (IDoA) Director
John K. Holton, Ph.D., today announced the launch of the agency�s
redesigned website. The updated website provides a simplified and
more accessible experience for users. The newly designed website is
available at
www.illinois.gov/aging (Click
here to continue reading)
How to
avoid fumbling the football in the red zone of retirement
The 6 documents you need for your estate
plan playbook
The start of football season may
be months away, but the game�s on the minds of many after the NFL
draft. Minicamps are gearing up and team personnel are organizing in
preparation for the 2014-15 season.
Football is a big deal in the United States � and so is the surge of
retirees � 10,000 baby boomers every day for the next 18 years, says
multi-certified planner Larry Roby. The last thing pre-retirees want
to do at this stage of their lives is to fumble while in the red
zone of their retirement date, he says. (Click
here to continue reading)
Return of the Medical Alert Scam
Call it the Ghost of Scams Past. Last year, the Illinois Attorney
General�s Office warned about consumers in Illinois receiving
unsolicited calls that they either were eligible for a free medical
alert system or that a friend or family member had purchased one for
them. The caller would then ask for personal information, which
might include a bank account number or Medicare number. (Click
here to continue reading)
Yesterday, an AgeOptions employee
received a call on her cell phone. The caller knew her name and said
he was calling from the �National Bureau of Crime Enforcement�
because there was a warrant for her arrest. The caller then
transferred her to a �senior officer� who said she owed the
government money, and if she did not resolve this issue, he would
arrest her. (Click
here to continue reading)
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Long-term care crisis prompts more aggressive collection tactics
industry expert shares tips for protecting your family from 'filial'
support laws
New e-book, 'Help on the Way,' explores long-term health-care
Chris Orestis, senior
health-care advocate and CEO of Life Care Funding, has published a
free e-book, "Help on
the Way," that details the slowly unfolding crisis happening now
in the United States: a "Silver Tsunami" of aging Americans with no
way to pay for long-term care. (Click
here for the rest of the story.)
Three steps for turning a real estate or business sale into the ideal
experts share common mistakes & how to avoid them
Throughout life, we encounter a
number of "financial impact points" -- pivotal events with the
potential to make our dreams come true, say financial advisers Chris
Snyder and Haitham "Hutch" Ashoo, co-authors of "Exiting Strategies:
The CEO's Seven Critical Steps To Cashing-Out of a Business,
Managing and Preserving Wealth." (Click
here for the rest of the story.)
Don't stress over fraud
By Becky
Social Security district manager in Springfield
April is Stress Awareness Month,
but one thing that should never cause you stress is doing business
with Social Security.
here for the rest of the story.)
6 signs your retirement plan is in trouble
planner shares tips for avoiding a 2008-style disaster during the
'distribution' years
After the 2008 economic meltdown, when
the stock market fell 37 percent, veteran financial adviser Curt
Whipple met with clients from outside financial institutions who'd
lost 50 to 60 percent of their portfolio in a single year.
here for the rest of the story.)
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