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Foreign Exchange Rates
A guide to understanding exchange rates when selecting an international money transfer service.
Last updated:
Exchange rates can be a bit tricky to grab hold of, especially if you're not an economist, but we'll try to break them down into simple terms. When we talk about exchange rates, we're referring to the amount of one currency that has to be given up in order to acquire another currency.
When you boil it down, an exchange rate is the price of a nation's currency in terms of another currency, with most exchange rates quoted in value against a major currency, like the euro (EUR) or US dollar (USD). For example, an exchange rate of CAD$1 = USD$0.81 means that if you exchange CAD$1,000 you will get USD$810.00 in return.
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Get the latest foreign exchange rates with our transfer calculator
Enter in the amount you want to transfer overseas and select your preferred currency, and our handy transfer calculator will tell you approximately how much you'll receive after conversion using real-time interbank rates.
Interbank rate (mid-market rate) and fluctuating exchange rates
The interbank exchange rate (also known as the mid-market or spot exchange) is the rate at which banks swap currencies between one another. Banks will typically do this directly or through electronic brokering platforms. As a customer, you will typically not have access to the mid-market rate because the banks "re-sell" exchange rates at a marked-up cost to customers in order to turn a profit.
When it comes to the global market, exchange rates are governed by a complex system of supply and demand. Put simply, rates float freely against one another and fluctuate in accordance with one another. Currency valuations are determined by the stream of currency as it flows in and out of a country. A high demand for a particular currency usually means that the value of that currency will increase, while a low demand will achieve the reverse.
Factors that influence exchange rates by country
For many of us, the technical reasons why exchange rates fluctuate aren't essential to tracking the market, but it can be useful to have an understanding of why exchange rates are sometimes unpredictable.
- Inflation rates. When inflation rates are low, a country will typically have higher-valued currency, while the reverse is true for high inflation.
- Interest rates. Higher interest rates are often more attractive to foreign investors, which subsequently increases the demand for and value of a currency, while low interest rates deter investors and cause demand to fall.
- Current account deficits. When a country spends more on imports than it earns on exports, it will need to borrow money from other countries to finance its deficit which can cause the value of its currency to decline.
- Level of public debt. Large budget deficits often result in higher inflation which in turn lowers currency valuation.
- Stability and economic growth. The level of political stability and economic growth in a country influences foreign investment, which can cause currency valuations to fluctuate.
Types of exchange rates
There are two ways the price of a currency can be determined against another currency.
- Fixed exchange rate. A fixed exchange rate, sometimes called a pegged exchange rate, is when a currency is fixed against either the value of another single currency or to another measure of value, such as gold. A set price will be determined against a major world currency like the US dollar or the euro. Developing economies often use fixed rate systems to stabilize their currencies and limit speculation from foreign investors.
- Floating exchange rate. A floating exchange rate is set by the forex market based on supply and demand compared with other currencies.
Banks vs money transfer companies or services
As mentioned above, while banks do offer international money transfers, they are also known for upselling exchange rates to clients, while simultaneously tacking on high administrative fees. When it comes to transferring funds overseas, many Canadians opt to use online transfer services instead of the bank, since these companies trade in large volumes of currency every day and are better-positioned to offer competitive exchange rates with lower fees. Banks resell currency exchange to clients and add a large markup (between 2.5 – 4%) while non-bank services offer clients lower exchange rates (typically less than 2.5% margin).
International money transfer comparison for banks
The table below compares exchange rates and transfer costs for Canada's five largest banks: Toronto-Dominion Bank (TD), Canadian Imperial Bank of Commerce (CIBC), Bank of Nova Scotia (Scotiabank), Bank of Montreal (BMO) and Royal Bank of Canada (RBC).
|Transfer Fee (CAD)
|Exchange Rate Markup
|Toronto-Dominion Bank (TD)
|$9 – $30
|Canadian Imperial Bank of Commerce (CIBC)
|Bank of Nova Scotia (Scotiabank)
|$9 plus 1% of principal
|Bank of Montreal (BMO)
|Royal Bank of Canada (RBC)
International money transfer comparison for non-banks
The table below compares exchange rates and transfer costs for five of the major international money transfer services in Canada.
|Money Transfer Service
|Transfer Fee (CAD)
|Exchange Rate Markup
|1% of principal
|Less than 1%
|Canadian Forex
|Less than 2.5%
|Less than 2.5%
|Currency Solutions
|Less than 1%
|World First
|Less than 2.5%
Why choose international money transfer services?
As outlined above, many banks offer international wire and money transfers, but these are often bogged down by hidden fees, large commissions or heavily marked up exchange rates. International money transfer services, on the other hand, make money by applying a small margin to the exchange rate and lowering transfer fees to compensate. It's important, before transferring money overseas, to compare your options to ensure that you get the most out of every transaction.
Where can I find the best exchange rates?
If you're planning to travel to a foreign country, you can use the following tips and tricks to save money on exchange rates.
- Use your credit or debit cards rather than currency exchange kiosks. Using an ATM to withdraw money in the local currency is often cheaper than exchanging money at local kiosks, which often tack on fees and surcharges in order to ensure a margin of profit.
- Use non-bank exchange services: If you need to send money overseas, international money transfer services offer more competitive exchange rates and lower margins than major Canadian banks.
- Convert cash when rates are favourable: Monitor rates and exchange currencies when rates are favourable. If you exchange money with a reputable agent with competitive rates, you will save money and the headache that comes along with attempting to convert money at local kiosks.
- Use a travel money card: A travel money card allows you to lock in an exchange rate when you load money onto your card, meaning you can set your rate in advance and avoid the unpredictable fluctuations of the marketplace.
- Comparison of travel money cards
- Guide to international money transfers
- Read our analysis of the Torfx Foreign Currency Exchange
- Compare a range of travel money options
Ask an Expert
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14 Responses
I live in Australia and have received a cheque payment for the sale of some US shares for US$30,000. I'm wanting to cash the cheque in Australia at the best rate. Can this only be done with local banks? Is there an exchange rate comparison to see the best rates and associated fees that you know of?
I live in Australia, and have an e-wallet that I get paid USD funds to. I also have a credit card associated with the same USD account. Where can I find a list of Australian ATM exchange rate comparisons to find out what my best option is to retain the largest amount of funds being withdrawn?
I am traveling to overseas next year in January. Wondering if it is better to do the exchange in Australia before I go or do the majority of the exchange when I am there in America. Because I think maybe I can get a slightly better rate if I change my AUD to US$ in USA.
I have around Euro 800 in notes and about the same in Swiss Francs.
I wish to sell the notes for $A, but the banks and some forex booths are asking a fee from around $8 to $20 per currency which is deducted from my final figure when they calculate the exchange rate to purchase. Some are even asking on top, a percentage of the $A when the final figure is calculated.
What is the lowest fee, if any is charged to buy cash currency,when the buyer can on sell the currency at a rate when they make money on the selling rate on top of the fee charged to sellers like myself.
I am currently in Australia I have AUD and GBP, I am travelling to USA, which currency should I be converting to USD to ensure most value for money? GBP to AUD then to USD, or just a straight AUD to USD, help I'm confusing myself
I send money overseas to pay off my student loan debt and in addition to the minimum amount I send weekly, I now want to send a little extra, when I can. Is there any difference in the exchange rate if I made 2 separate payments or is it better if I combined the two? Thanks in advance.
is it best to send Australian dollars to my thai bank account and let them calculate or is it best to send thai baht already calculated by an Australian bank


text: Stress is something that goes hand in hand with business traveling. It is a trap that is easy to fall into and the one from which it can be so hard to get out of because the element of "expectation" always lingers above your head. In other words, business travelling is traveling with a very…Read More

subset: commoncrawl


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Ducati's latest Diavel introduces many new features to the highly awarded sport cruiser, including a new engine and exhaust system and styling refinements that combine the model's muscular and assertive look with an elegance and sophistication now … [Read more...]
Archives for March 2014
Bike Trac Support World Solo Ride Attempt
Motorcycle tracking specialist, Bike Trac, is pleased to confirm support of Steph Jeavons as she embarks on a solo navigation of the globe on a motorcycle later this month. The trip, dubbed as 'One Steph Beyond', raises funds for the Rally 4 Life … [Read more...]
Ducati Multistrada And Diavel Awarded "Motorcycle Of Year" In Germany
Ducati took five awards at the annual 'Motorrad des Jahres' (Motorcycle of the Year) event in Stuttgart, Germany on Monday evening, when highly respected magazine, Motorrad, presented their annual awards at Stuttgart's Residenztheater. Decided by the … [Read more...]


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3 DECEMBER 1887, Page 25
Messrs. Sockl and Nathan send us specimens of a groat
variety of Christmas and New Year's Cards, of all sixes, with scented millions, or embossed cards, and plain. There are Army and Navy cards, " cluotint modern" cards,—which we do not particularly admire, not appreciating the blending of two differently tinted pictures in one,— very pretty landscape cards, Lilliputian cards, flower cards of all kinds, de. All are very gay and effective.


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By Graham Lanktree2019-05-02T10:32:00
The UK PropTech Association has relaunched and is extending membership to traditional property firms for the first time.
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Any severe risk will stay southwest, south & southeast of the area today, south of the cold front.
Here, an isolated shower or two is possible, mainly this evening & in the southern half (15-20%). Humidity will be dropping from north to south through the day with northeast wind.
Highs will run in the upper 70s to lower 80s.
With clouds/sun, a few isolated showers are possible Saturday (25%) with highs in the 70s to 80 after lows of 54-61 north to south tonight.
Winds will be from the northeast at 5-13 mph, as we will be north of the cold frontal boundary.
Front will begin to lift back northward as a warm front Sunday. After morning lows of 57-64, highs will run 76-84 with a few spotty showers/storms popping (30%).
Labor Day looks good with mostly sunny skies. It will be warm & a bit humid with highs of 83-87 with southeast wind at 5-10 mph.
Tuesday looks very warm to hot & humid with highs 87-90 after morning lows of 64-68. Skies look mostly sunny with strong south-southwest winds at 20-30 mph. Heat indices will peak at 90-93.
With lows of only 69-72 Tuesday night, some showers & storms are possible late, lasting to Wednesday morning.
SPC has the main corridor of severe weather risk early next week northwest of our area.
We will tend to get the leftovers Tuesday night-early Wednesday morning.
We will monitor, nonetheless.
It is this surface cold front & upper trough & the strong Canadian surface high behind it that will tend to pull Hurricane Dorian northeastward after making a Florida landfall as a Category 4 storm.
How far north its rain wind get will be determined by how quickly the upper trough & front move in the eastern U.S.
There looks to be significant impacts to Florida, southeastern Georgia & parts of the Carolinas. Whether that gets to Virginia or the Mid-Atlantic or part of the Northeast remains to be seen.
A bad scenario would be the eye just riding the east Florida, Georgia & Carolina coasts. This would keep the storm over warm water & keep it at a Category 3 or 4, but still be raking land areas.
Such a track would be devastating to the coasts from Florida to the Carolinas.
NHC's current thinking is that it has the highest current probability to make a landfall as a major hurricane early Tuesday morning near Jupiter, Florida, or between Port St. Lucie & West Palm Beach. However, note that it is a pretty wide cone of probability in their forecast.
It then highs the highest potential to track just east of Orland & then toward Jacksonville.
New NHC forests will be out later today.
Clearing, cooler & less humid weather will come in by Wednesday late morning-afternoon with highs only 75-81 with north winds at 15-25 mph.
Thursday looks good with partly cloudy skies & highs 72-78 & morning lows of 49-55.
Friday, Saturday & Sunday morning lows may drop to 46-51 with daily highs of 70 to the 70s.
Next potential of any amount of rainfall (after Wednesday AM) would tend to be Sunday, September 8.
Temperatures look below normal from this stretch to the mid-point of September.
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Will Smith and Martin Lawrence reunite for 'Bad Boys for Life' l GMA
- Published: 10 January 2020
- The stars of the hit franchise talk about reigniting their chemistry 25 years after the release of the original.
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#GMA #BadBoys #BadBoysForLife #WillSmith #MartinLawrence #BadyBoys3 #Movies
- Entertainment
Comments • 1 505
- D. 4 hours back
They have aged so nicely
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- Shanice Sweetsmile 14 hours back
What y'all got for people who been here a lot? 😂😂
- Glenda McDonald 14 hours back
Trinidadian reminded me there was part 3 they are going crazy even the homeless had to go where someone try to expose the homeless going to watch the movie we are happy they hit it up again.
- Keauna Rose 18 hours back
So bad boys was Martin movie and he brought will in that's what's up I'm a big fan of Martin and Will
- Terrell Lewis 18 hours back
Will Smith has the best laugh lol
- Teto Bdub 1 days back
Martin doesn't talk much, his a little shy
- Five OFoe 1 days back
OH MY GOD, Will's sweater/shirt is killing it.😍🙌🏾. He looks great🔥🔥.
- MArie Livingston 1 days back
I gotta go see this movie 😃
Will had me in stitches the whole interview 😅😂
- KISSMAYOO KAMERR 1 days back
Love 💕 them Two 🙏🏿🙏🏿🙏🏿
- Shop Amzn 1 days back
All-new Fire TV Cube, hands-free with Alexa built in, 4K Ultra HD, streaming media player, released 2019
- W4RJ 1 days back
I went to this movie last night. I thought it was going to be a comedy. It was super over-the-top violent with people getting shot multiple times and impaled. Who thinks that kind of repetitive violence is---entertainment? Who is entertained by that? This is Hollywood at or near its worst. I should have been tipped off by the January release that it was going to be crap. I walked out and I am disappointed in Will Smith. He can do better......
- Denise Allen 2 days back
I love Martain 100% Love him.
- Andres Sanchez 2 days back
Will lowkey doesnt let martin talk also responding fast af
- Jeremy Whitehead 2 days back
- Andres Sanchez 2 days back
Martin is a better comedian then will and will is a better actor. Movie had me dying martin too funny. This duo is unreal and amazing.
- Faith Constatine 2 days back
Love will but let Martin talk
- Franklyn Ordz 2 days back
The minute this interview began, Will Smith took the whole speech, Martin Lawrence did not say too much I wonder why..? and I'm reading all the comments, and they all say the same thing, Martin Lawrence didn't spoke too much, to the point that I stop the video at 3:58 seconds I was not interested to see the end of the interview, maybe he's been out of the game for a while but still Martin Lawrence a great actor, along with William Smith but let him talk...
- Ana luisa lopez bautista lopez bautista 2 days back
Hola !!! Un favor alguien podría traducir en español ??? Ni se inglés!! Gracias
- Team Channel 2 days back
Is this movie with the Albanian Mafia?
- Abdul Ali Muhammad 3 days back
The Marva Collins true story
- Etio Space Tube 3 days back
If you are black work hard like this guys - good pp will Support you just like this!!!
This is why I LOVE USA!!!
- Etio Space Tube 3 days back
Best examples/personality of USA
- Travis Remington 3 days back
Can we get Martin on Netflix ..... it's time !!
- Sophia Wolf 3 days back
Watched it and I love love love it.... thanks Guys for making a great movie
- Sophia Wolf 3 days back
Best movie eveeeeerrrrrrrrrrrde
- Terry Bercher 3 days back
This movie 🍿 is must watch so good am telling you guys
- Shirley Harrell 3 days back
Praise God, this movie was so good, it's a must see, kisses and be blessed.🌈🌈🌈🌈🌈
- Nyaniso Sonwabo 3 days back
I love their friendship and I love them both. Might I even say it's about damn time....16 years after their last movie.
- Simon Little 3 days back
Strahan married a man. And he has a big gap in his front teeth. CAN U GUESS WAT HIS 2ND JOB IS???
- Realmatic Schisms 3 days back
Oh HOW I LOVED THIS MOVIE!! 😆😆😆😆😆
- donald louk jr. 3 days back
Way to go Martin Lawrence and Will Smith love your first two sequels bad boys for life sweet clip from the movie. You to work good together
- damm will 3 days back
The movie is the bomb go out and see it asap loving it
- Alexander S 3 days back
I saw Bad Boys 3 yesterday in Sydney Australia - absolutely awesome. I am still laughing at one of the nightclub scenes.
- Dee Bee 4 days back
Black privilege
- Herica Alexandre 4 days back
Two lovable men
- Troy Crith ll 4 days back
- Lyan RAW 4 days back
That shirt Will, it's bad grandpa's.
- 柳岑焉 4 days back
- Joon hyung Ahn 4 days back
So what does Will Smith eat ???? 51 ????
- Ladybug simpson 4 days back
I saw the movie and this was the best bad boys EVER… it's called saving the best for last!!!!!
- DDE 4 days back
3:37 ✊🏾 black magic
- Gina Pierre 4 days back
This movie 🍿 🎥 was A-MA-ZING!!!
- an colemont 4 days back
the directors are from Belgium
- kiara brinkley 4 days back
Wonderful movie
- Young Maryland 4 days back
Wow its like every media outlet in the world is reading off the same cue cards.
- Rashaad BORN! 5 days back
- Love Yu2 5 days back
Is it just me, or does Martin seem so subdued.. Like that Martin energy we once knew has faded.. Love them together though..


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Gene Rearrangement, beta-Chain T-Cell Antigen Receptor
Subject Areas on Research
- A change in the structure of Vbeta chromatin associated with TCR beta allelic exclusion.
- A novel role for HEB downstream or parallel to the pre-TCR signaling pathway during alpha beta thymopoiesis.
- A role for MAPK in feedback inhibition of Tcrb recombination.
- Allele-specific regulation of TCR beta variable gene segment chromatin structure.
- Arrested rearrangement of TCR V beta genes in thymocytes from children with X-linked severe combined immunodeficiency disease.
- Clonal expansion of CD8+ BV8 T lymphocytes in bone marrow characterizes thymoma-associated B lymphopenia.
- Detection of clonal lymphoid receptor gene rearrangements in langerhans cell histiocytosis.
- E2A and HEB are required to block thymocyte proliferation prior to pre-TCR expression.
- Functions of E2A-HEB heterodimers in T-cell development revealed by a dominant negative mutation of HEB.
- Germline transcription from T-cell receptor Vbeta gene is uncoupled from allelic exclusion.
- Initiation of allelic exclusion by stochastic interaction of Tcrb alleles with repressive nuclear compartments.
- Initiation of antiretroviral therapy during primary HIV-1 infection induces rapid stabilization of the T-cell receptor beta chain repertoire and reduces the level of T-cell oligoclonality.
- Obligatory role for cooperative signaling by pre-TCR and Notch during thymocyte differentiation.
- Posttranslational regulation of TCR Valpha allelic exclusion during T cell differentiation.
- Regulation of TCRβ allelic exclusion by gene segment proximity and accessibility.
- T cell repertoire development in humans with SCID after nonablative allogeneic marrow transplantation.
- Temporal and lineage-specific control of T cell receptor alpha/delta gene rearrangement by T cell receptor alpha and delta enhancers.
- The "dispensable" portion of RAG2 is necessary for efficient V-to-DJ rearrangement during B and T cell development.
- Turning T-cell receptor beta recombination on and off: more questions than answers.
Keywords of People
- Krangel, Michael S., Mary Bernheim Distinguished Professor of Immunology, Immunology


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Personalized Split Letter Custom Magnetic Cast Iron Bottle Opener in 3 colors & 2 Styles)! Great gift for 6th Anniversary! Perfect Groomsmen or wedding party gift! Laser Engraved! Cap catcher.
Attach to your fridge, tailgate or any magnetic surface and start popping tops. Magnets catch the bottle caps! Watch them pile up! Note that these use very strong rare earth magnets so be careful with them as they have a real pull.
Materials: Pine, cast iron opener & magnets, gel stain
Customized with laser engraving (these are not vinyl, stickers or painted.Stain is used to bring out the lettering, as shown in the pictures)
Dimensions: 9 x 4 X 3/4 inches
1) Pine with Aged Gray stain
2) Pine with red mahogany stain
3) Pine with walnut stain
a) Split Letter Name (add the SINGLE letter and name you want in the notes)
b) Varsity Split Block Letter OR 1 Number (add the SINGLE letter or number and name in notes)
IMPORTANT!-> THESE ARE CUSTOM WORKS AND ARE NOT RETURNABLE or EXCHANGEABLE - NO EXCEPTIONS!
These custom bottle openers do take 1-3 days more than our plain openers (3-5 days total turnaround until shipping). Usually it is the lower end of that estimate, but just be aware it does take longer.
The split letter template is just that a template, we only have the ability to change the wording in the split, not alter the entire template. We CAN NOT DO MULTIPLE LARGE LETTERS. It is limited to 1 large letter and the wording in the split.
We also sell a plain front - non-customized version of this item. You can find it here.
We welcome large quantities on this item. Please message us if you need a bunch for a wedding party or what have you. If you have a custom look you are looking for (not seen here), contact us and we can see what we can do for you.
** While we use the strongest magnets available to hold it to every metal surface, that some surfaces are inherently less metal than others (some fridges are more aluminum than others and less magnetic). Also, we always suggest that you use one hand to brace the bottle opener while you pop open your tops to ensure a good hold.
***The magnets in the back/middle of the item are INSET so that they are more at the front of the board. This is intentional and there are no magnets missing, they are simply set closer to the front in order to catch the caps.
****Wood has variation in grain, knots, and look (the pictures above are just an example of what you will receive so that you can get an idea of the customization). These are features and not flaws.
****Monogramming is done with a laser engraver and will be etched into the wood and then given a contrasting stain color to bring out the lettering (done with gel stain).


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Doctor Who: Mostly Harmless Cutaway explicit
Mark all (un)played …
Series home•Feed
Manage series 7888
By E.A. Escamilla and WεSCO Prods. Discovered by Player FM and our community — copyright is owned by the publisher, not Player FM, and audio is streamed directly from their servers. Hit the Subscribe button to track updates in Player FM, or paste the feed URL into other podcast apps.
Mostly Harmless Cutaway podcast hosted by Eric, Josh, and Cat + often featuring Sean, Kat, Kyle, Chris, Erik, and Erika. If it's happening in the Doctor Who universe we're talking about it. Essential companion listening for those familiar with some other popular Doctor Who podcasts. If you were ever looking for a laid back show that doesn't take much seriously you've finally come home. Welcome all and be seeing you at #Gally1 or L.I. Who or WHO nose?! Please search out our copanion podcast on iTunes, Doctor Who: Prognosis Negative and our brand new podcast, Star Trek: Romulans Bearing Gifts... |VL
225 episodes


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"The Bookman's Tale" reviewed by Julia K on January 20, 2015
The Bookman's Tale
This is a:
Your Review:
I checked out this book while waiting for Charlie Lovett's book, First Impressions (which was recommended by a friend). Although the first several pages didn't pull me in, it was interesting enough for me to persevere and the resulting read was certainly worth it. Lovett is an excellent writer, and the switch between time periods was handled very well. It is a romance and a mystery with switches through time periods from Shakespeare to the 1990's. I recommend it.
Rate Your Read:
(1 vote)


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Painting from a real-life experience with Columbia's firefighters, Morse's door heralds the local midlands' firefighters for their commitment and bravery. These everyday heroes answer a call that has little to do with money or recognition. Morse creates a stark intensity contrasting yellow, orange, and black colors. Sponsored by Goldsmith-Theodore Insurance Agency
Copyright © 2020, One Columbia for Arts and History, Inc., All rights reserved.


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Product Description
Bump it bro! The 100% polyester Adventure Time Sublimated Print Hobo Bag is a fine messenger/ hobo style bag that is coated in all of your favorite characters from Cartoon Network's hit television show. Of course we have Jake the Dog and Finn the Human front and center but on the reverse side we have the Ice King Marceline Lumpy-Space-Princess Princess Bubblegum B-MO and Lady Rainacorn! Suppose the only ones we are missing are the Ron Perlman and George Takei! Lightweight and soft the Adventure Time Sublimated Print Hobo Bag even has two smaller pockets on the inside for carrying stuff like the Everything Burrito…that is if it is small enough to put in this great bag!


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Difference between revisions of "Talk:All About Hair"
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--[[User:Alive|-- M --]] 06:47, 31 March 2012 (BST)
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Comments on All About Hair <comments />
Markvd said ...
A lot of people in my family dye their hair, I just think it's a waste of time. I guess it's an image consciousness eveolution of hair development. :) I once shaved as close to my head as possible just so I wouldn't have to spend hours trying to perfect hair style, but the cold weather has somehow forced me to grow my hair once again, I find a little white hairs here and there but I just think of them as advanced receptors that are near there end dangling on my head. I think that's why I notice that people that dye there hair tend to be very aggressive. I don't know if it's the cancer or pain they might feel but there are just so many unnatural products in our civilization. Everyone wants to strike it rich rather than preserving all of mankind and reach a higher evolution of thought where all can succeed.
--Markvd 20:29, 30 March 2012 (BST)
Cat said ...
hmmm although I don't dye my blonde hair, it is extremely slow growing and wonder whether this inhibits my ability to sense or anything. Now if only I had the answer to make it grow faster!!
--Cat 05:11, 31 March 2012 (BST)
Markvd said ...
If a time machine is developed your hair will amaze you how far it's grown in let's say 5 years without trimming. :) Directed towards Cat.
--Markvd 05:36, 31 March 2012 (BST)
Alive said ...
First I want to congratulate Vibka Wallder for her innovative literary contribution to enlighten Earth human life forms on the topic of hair.
Second I also want to congratulate Vibka Wallder for her profound courage to highlight the topic of pubic hair removal using mister Billy's informations about this.
Third I want to give some opinions concerning the pubic hair:
- The most important reason of pubic hair removal is aesthetical reason. This is the reason that has been moving prostitutes and porn actresses to shave their pubic hair, and it will be the reason for many millenia to come.
- Pubic hair removal is not an islamic custom. I have intermingled with many moslem women. Only afew of them have shaven twats.
- A simple hightech underwear provides much better protection than even then most complex pubic hair system. Theoritically anyone who has that kind of underwear does not need his or her pubic hair anymore.
---- M -- 06:47, 31 March 2012 (BST)
Hawaiian said ...
Based on your extensive experience with unshaven Moslem twats, I would assume going down at the "Y" for some appeitzer would require some degree of safety measures, like wearing safety glasses to prevent eye injury from her pubic hair! Enjoy your meal my friend
--Hawaiian 03:13, 1 April 2012 (BST)


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Dec 28, 2018. In 1733, Benjamin Franklin, using the pseudonym Richard Saunders, although their meanings are not always readily apparent to us today.
Quotations about quotations, compiled by Terri Guillemets. The largest and most well-researched collection of quotes about quotes on the Web!
Benjamin Franklin was concerned with making the sometimes bitter pill of. J.A. Leo LeMay's essay, "Benjamin Franklin," rather than discussing the aphorisms in the. Thus, the critics all see a multiplicity in the levels of meaning in Franklin's.
(CNN Student News) — Students will examine some of Benjamin Franklin's famous maxims. to select one of Franklin's maxims. Have each student write a paragraph explaining the meaning of the saying.
Sep 15, 2016. I mean. how can you argue with that?!?!?! Benjamin Franklin used aphorisms to get his points across – whether it was in the pursuit of better.
Growing Up In The Shadow Of The Confederacy Read the history, see the map and view pictures of the Tallulah Falls Railroad between Cornelia, GA and Franklin, NC. Andrew Jackson Jihad Pitchfork And folk-punk pair Andrew Jackson Jihad cut their teeth on the space's tiny triangular. pop a squat on the Trunk Space's floor and catch artists long before they hit Pitchfork's radar.
Benjamin Franklin displays a series of twenty-six aphorisms in his book Poor. are three examples of the aphorisms Franklin uses and an explanation of each.
Ben Franklin's Aphorisms and Virtues study guide by drum_bean includes 13. Richard's Almanack (Aphorisms) Benjamin Franklin (Revolutionary) 20 terms.
GLOBAL PROVINCE – Home – About This Site – Agile Companies – Annual Reports – Best of Class – Best of the Triangle – Big Ideas – Brain Stem – Business Diary – Dunk's Dictums – Global Wit & Worldly Wisdom – Gods, Heroes, & Legends – Infinite Bookstore – Investor Digest – Letters from the Global Province – Other Global Sites – Poetry & Business – Scenes from the Global Province – A Stitch in.
By the time Benjamin Franklin grew up in New England (about 150. to predict future events. Franklin dispensed many aphorisms in the guise of 'Poor Richard,' such as 'Love your Enemies, for they.
If by "people" you mean the American colonists. him a wealthy businessman and effective diplomat. Franklin's ideas were either reviled or praised based on the audience reading them. His aphorisms,
Benjamin Franklin's teachings about money have stood the test of time. Read his quotes about money, and take away lessons for your own personal finances.
Feb 10, 2018. ―Publilius Syrus. Barking dogs seldom bite. ―Proverb. A penny saved is a penny earned. ―Benjamin Franklin. Pen Sword Aphorism.
36 quotes from Poor Richard's Almanack: 'Three may keep a secret, if two of them are dead.'
May 14, 2010. This is usually credited to Benjamin Franklin, but I have become skeptical. He reinforced the meaning of the maxim with a common sense example. almanac called Poor Richard's Almanack that contained many aphorisms.
Another 1979 Mull citation: "Arts Magazine," Volumes 3-5: "So with Madore we have the classic situation: no limits, thus all limits, or to slightly alter the famous Martin Mull dictum: Writing about painting is like dancing about architecture."
Comprehensive glossary of poetic terms, theories, and schools of poetry.
These are some of my favorite verses from the Book of Contortions.They are numerous phrases and ideas attributed to biblical teaching by many people, including many Christians themselves, but have no actual representation in any legitimate Bible tradition or Christian theological teachings.
What's the meaning of the phrase 'A watched pot never boils'? The proverbial expression 'a watched pot never boils' refers to the feeling time seems to go slower when you are anxiously waiting for something to happen.
6 days ago. A Freudian slip is when you say one thing but mean your mother. Benjamin Franklin produced electricity by rubbing cats backwards.
This key can open the door between purgatory and earth, meaning that the headless. he promises to use the hidden Benjamin Franklin key to save her. Ichabod then recalls one of Franklin's favorite.
And thus was created another of the many aphorisms. Franklin was limiting his scope and targeting his point, meaning there could not be a good British war with America, or a bad American peace with.
Suddenly, an old friend emerged from the recesses of my mind: Benjamin Franklin. "That doesn't mean you fake it," I told my students, "but let how you look and sound reflect the best that's in you.
Academia.edu is a platform for academics to share research papers.
Jan 17, 2011. Benjamin Franklin, American inventor, journalist, printer, diplomat, author, and founding It is the 305th birthday of Benjamin Franklin, American.
Oct 14, 2003. Aphorisms from Benjamin Franklin – the meaning and origin of this phrase.
Old age begins and middle age ends the day your descendents outnumber your friends.– Ogden Nash Old age is the most unexpected of all that happens to man.
This is the talk page for discussing improvements to the Benjamin Franklin page. is spreading like wildfire; 11 other quotes from aphorisms-galore.info are real?. I respectfully suggest that the quote "The definition of insanity is doing the.
Words of wisdom on Health, Wealth and Life — These Benjamin Franklin quotes are great. Many of the quotations attributed to him, and especially the aphorisms, are ones that Franklin. Employ your time well, if you mean to get leisure.
In a recent article, Matt McManus drew a valuable distinction between postmodern culture and postmodern philosophy. Postmodern culture, he argued, was first theorized by neo-Marxists to refer to what they saw as a new phase of capitalism, characterized by heightened skepticism and a preoccupation with subjectivity. However, one need not adopt Marxist social theory in order to agree.
By the time Benjamin Franklin grew up in New England (about 150. to predict future events. Franklin dispensed many aphorisms in the guise of 'Poor Richard,' such as 'Love your Enemies, for they.
This land of pop-faith preachers, self-help guidebooks, and ardent unbelievers would have been familiar to the inventor, whose spiritual life was as empty of transcendent meaning as it was full of.
Benjamin Franklin's aphorisms – time is money. stripped of its religious and ethical meaning, tends to become associated with purely mundane passions, which often actually give it the character of.
Voices Of Freedom Eric Foner. Nina Stiener Mr. Maynard APUSH Period 3 10 January 2010 Reconstruction: Eric Foner The Reconstruction time period, 1865 through 1877, was a complex time for America. The southern part of the nation was in need of governmental, economical, and social repair after losing the Civil War.
Poor Richard's Almanack (sometimes Almanac) was a yearly almanac published by Benjamin Franklin. It is chiefly remembered, however, for being a repository of Franklin's aphorisms and proverbs, many of which live on in American English.
Proverbs and Aphorisms from Benjamin Franklin's Poor Richard's Almanac. The Poor. Words may shew a man's wit but actions his meaning. A great talker.
Abraham Lincoln African American Abraham Lincoln's Childhood: Growing Up to Be President. We have all heard the story of Abe Lincoln growing up in a log cabin, but the additional details about his childhood make it all the more amazing that this man grew up to become a great orator and a strong and principled leader of our country
Captain Benjamin Franklin Pierce Star Trek Alan Alda Celebrity Profile – Check out the latest Alan Alda photo gallery, biography, pics, pictures, interviews, news, forums and blogs at Rotten Tomatoes! Printable Pictures Of Theodore Roosevelt This is a digitized version of an article from The Times's print archive. at the Franklin D. Roosevelt Library here. Contained in 3,212 cardboard boxes, impeccably
By the time Benjamin Franklin grew up in New England (about. In addition to the usual fare, Franklin's almanac provided stories, aphorisms and poems, all ostensibly curated by a homespun character.
Martin Van Buren Resigned From Jackson's Cabinet: Martin Van Buren (December 5, 1782 – July 24, 1862), nicknamed Old Kinderhook, where he continued to reside until he entered Jackson's cabinet in 1829. had been assured to him before the election, and he resigned the governorship. He sat in James Monroe's Cabinet in the 1810s and 1820s. Then. He and Jackson never fully
This handbook introduces key elements of the philological research area called paremiology (the study of proverbs). It presents the main subject area as well as the current status of paremiological research. The basic notions, among others, include
68A: "Poor Richard's Almanack" was a publication by Benjamin Franklin that was full of advice, recipes and aphorisms, or SAWS. What does that mean? It turns out that the expensive dental work.
The Late Benjamin Franklin. of inductive generalization based on the presumption that Franklin's genius included being able to foresee the future; knowingly bringing to print these aphorisms with.
Some Differences Between Reading and Listening: Corollary to "Significant Differences Between Writing and Talking; Why Talking Seems Easier"Rick Garlikov. In various forms of relatively immediate back and forth communication involving relatively short exchanges (as in instant messaging, texting, even emails), I think there is very little difference between writing and talking with each other.
Henry David Thoreau was born David Henry Thoreau in Concord, Massachusetts, into the "modest New England family" of John Thoreau, a pencil maker, and Cynthia Dunbar. His paternal grandfather had been born on the UK crown dependency island of Jersey. His maternal grandfather, Asa Dunbar, led Harvard's 1766 student "Butter Rebellion", the first recorded student protest in the American.
By the time Benjamin Franklin grew up in New England (about 150. to predict future events. Franklin dispensed many aphorisms in the guise of 'Poor Richard,' such as 'Love your Enemies, for they.
The new book, "Stirring the Pot with Benjamin Franklin," by Rae. "If you are enjoying alcohol, that doesn't mean you drink to excess. The enjoyment of alcohol tied to moderation is perhaps, as.
Benjamin Franklin "If you want a large Pepsi. The name itself comes from the Latin "a-", meaning "warm or spicy, having an unpleasant taste", and "-phor-" meaning "opinion". What "-ism" means and.
Dec 6, 2012. The pithy form—literally meaning a "definition" or "distinction"—has. scientific career, R. J. Hollingdale notes that, like Benjamin Franklin,
These APHORISMS were written by Benjamin Franklin for publication in Poor Richard's. Choose FIVE of these aphorisms and explain their meaning. • How do.
Biography. François-Marie Arouet was born in Paris, the youngest of the five children of François Arouet (19 August 1649 – 1 January 1722), a lawyer who was a minor treasury official, and his wife, Marie Marguerite Daumard (c. 1660 – 13 July 1701), whose family was on the lowest rank of the French nobility. Some speculation surrounds Voltaire's date of birth, because he claimed he was.
Search the history of over 351 billion web pages on the Internet.
Quotations about animals and pets, from The Quote Garden.
Their meaning was anyone's guess. Near the end of Egan's book, he quotes one of Benjamin Franklin's more ominous aphorisms: "When the well is dry, we know the worth of water." It is this warning.
This course was created by Rebecca Epperly Wire. You can contact her through the Facebook community group with questions. You can say thank you to her with a gift. Please review the FAQs and contact us if you find a problem. Credits: 1 Recommended: 10th, 11th, 12th (This is typically the 11th grade course.) Prerequisite: Literature and Composition, This follows British Literature and.


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Public Fundraiser
Saturday, October 5
per guest
Learn more
Class Details
Public Fundraiser
Paint the Town….PINK!! (Customize your colors or keep it pink)
The More Who Paint, The More We Donate!
Join us Saturday, October 5th for an evening of painting and positivity benefitting the American Cancer Society's Making Strides Against Breast Cancer event. The American Cancer Society Making Strides Against Breast Cancer walks raise awareness and funds to save lives from breast cancer. Each event is a noncompetitive 3 to 5 mile walk that brings people together to make a difference for everyone who has been touched by breast cancer. The events raise money to fund innovative research, provide free information and support, and to help people reduce their breast cancer risk or find it early when it's most treatable.
From the opening ceremony to the post-walk entertainment, a Making Strides event is a celebration of survivors and opportunity to remember loved-ones lost. It's a day that shouldn't be missed and won't be forgotten.
We are so excited to partner with Pinot's Palette for an evening putting the FUN in fundraising! Participants in this paint night will have the opportunity to create a one-of-a-kind canvas painting of the Chicago skyline…complete with breast cancer awareness flair! No artistic skills? NO PROBLEM! Pinot's Palette specializes in creating an environment open to all skill levels, with direct instruction from a professional artist to walk you through the whole process – start to finish.
A portion of each reservation made for this event will be donated directly to the American Cancer Society!
Need more motivation?
Attendees will get:
- Access to a professional artist to walk you through creating your masterpiece
- A beautiful 16x20 canvas painting to bring home!
- Access to a full-service bar!
- FREE snacks while you paint!
- AND Raffle Prizes!
Help us Paint it Forward and put an end to cancer!
Reserve your space now!!
We encourage our guests to arrive 30 minutes prior to the start time of the paint party to allow time to grab a beverage, get ready to paint and settle in at your table. Our paint parties begin at the scheduled start time.
Paint, drink & have fun with us at Pinot's Palette Logan Square! At our sip and paint parties, guests enjoy a 'no art experience required' paint party & all art supplies are included! You'll be led by our talented local artists who will guide you step-by-step to create the featured painting.
Our paint events are more party than art class. Though our artists will guide you to create the featured painting, this is your masterpiece! You can follow along as much, or as little, as you'd like. Feel free to choose a different color from our paint cart, add in your own detail or paint another image entirely. We encourage creativity!
We have a full-service bar! Choose from our delicious cocktail menu, studio selection of wine by the glass or bottle or one of our craft beers. Non-alcoholic drinks are also available for purchase. Complimentary bottled water is available at the bar. We are not a BYOB establishment; outside beverages are not permitted. Our bartenders will take great care of you!
The more the merrier, INVITE YOUR FRIENDS! We paint, drink and have fun!
We are located at 2768 N. Milwaukee Ave, a half block south of Diversey Avenue and steps from the Blue Line Logan Square L stop (exit towards Spaulding). Coming from the north or south? We're a mile west of I-94 (exit at California from the north, Diversey Ave from the south). Street parking is available all along Milwaukee, Diversey and Kimball Avenues. Most street parking is $2/hr (tip: the Park Chicago app makes paying for parking a breeze). Street parking is free on Sundays. A public parking lot is also available two blocks south of us at the corner of Spaulding & Emmett, also $2/hr through Park Chicago.
CANCELLATION POLICY: Due to the custom nature of our parties and classes, Refunds are not issued for reservation cancellations. Should you need to reschedule your reservation and provide at least 24 hours notice, your reservation will be transferred to a studio credit that can be used only for a future paint party reservation at our Logan Square studio. Please email us at email@example.com if you need to cancel. If you 'no-show' for a party or class that you have a spot reserved, or do not give at least 24 hours cancellation notice, you forfeit your reservation payment. By completing the check-out process you agree to this policy.
The Perfect Night Out
Enjoy drinks, upbeat music and hanging out with your favorite people while you paint! It's as fun for first-time painters as it is for experienced artists.
Fun Atmosphere
From the moment you walk in, the mood is light, the music is fun and the conversation comes easy!
Easy to Do
You don't need to be a seasoned painter — we make it easy for everyone to find their inner artist!
Sit Together
You'll get seats with all your friends, even if you book separately. Just tell us your friends' names when you register.
Paint Your Way
There's no rule that says you have to follow the artist's steps. It's your art, so paint it however you like!
Frequently Asked Questions
Check out our FAQs to learn more about what to expect from your Pinot's Palette experience or feel free to call the studio to speak to a member of our staff.
How do I sign up for a class?
To reserve a seat for one of our paint parties, click on our home page and scroll through our upcoming events or visit our 'Event Calendar' to view our full upcoming calendar of events. Click on the painting of your choice. To reserve a seat, click the 'Register' button and follow the on-screen directions to complete the order. Please contact us if you have any trouble completing your order. We will help you trouble shoot the issue or simply take your reservation by phone.
Is there an age limit for your regular public classes?
We welcome families and children ages 6 years and above for any of our daytime paint parties. While our evening classes that begin after 5 pm are structured for adults, we do allow guests aged 13 – 17 to participate if they are accompanied by an adult. All guests must be at least 21 years of age to purchase or consume alcohol.
What should I wear to paint?
No dress code here...dress casual or dress up! We provide all guests with an apron, but painters have been known to get involved in their work of art. Should any acrylic paint get on your clothes, it can typically be washed out within 60 seconds. If allowed to set longer, the paint may be permanent.
I don't have any artistic talent? Will I be able to complete the painting?
Absolutely! Our paint parties are intended for beginners, but are also fun for more seasoned artists. Our artist will guide you step-by-step through the featured painting. You can follow along as much, or as little, as you'd like. Feel free to choose a different color from our paint cart, add in your own detail or paint another image entirely. We encourage creativity and there are no mistakes! Acrylic paint dries quickly, so making changes or perfecting your painting is easy to do.
Is there parking near your studio?
Street parking is available all along Milwaukee, Kimball and Diversey Avenues. While parking in some areas is free, most parking is $2/hr. Using the 'Park Chicago' app makes paying for parking a breeze. A public parking lot is also available two blocks south of us at the corner of Spaulding & Emmett (behind McDonalds), also $2/hr. We are also just steps from the Blue Line Logan Square stop (exit the L platform towards Spaulding Ave).


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- This card can be searched by "Dogu", "Single Purchase", "Temple of the Kings", "Transmodify", "Rescue Ferret", "Fabled Grimro", "Chaos Zone" and "Lucent, Netherlord of Dark World".
- If you have "Fabled Soulkius" in your hand and "Fabled Kushano" in your graveyard, you can discard the first to return "Fabled Kushano" to your hand. That way you have easily sent "Fabled Soulkius" to the graveyard, plus got 1 card back to use for his summoning cost.
- With this card you can send cards to the Graveyard that work well there like "Fabled Kushano", "Treeborn Frog", "Destiny HERO - Dasher", "Stygian Street Patrol" or monsters you want to revive with cards like "Call of the Haunted".
- This card can be very useful in Yusei Fudo-style decks, given the high number of Level 2 monsters that are retrieved from the graveyard. Note: This can allow you to easily Synchro Summon a variety of monsters if paired with a "Synchron Explorer" summon.
- Note that the cost to summon this card from the Graveyard from its own effect is to send the cards to the Graveyard, not discard. Thus effects of monsters such as "Fabled Krus", "The Fabled Cerburrel", "Fabled Lurrie" will not activate. Thus it is advised that you send other cards such as "Fabled Kushano" or "Level Eater" in order to make the least loss.
- By sending 2 "Level Eaters" to revive "Fabled Soulkius" and Normal Summoning "Fabled Kushano", you will have access to summoning monsters level 4, 5, 7, 8 and 9, though it is advised to summon "Fabled Ragin" if you are in need of a hand.
Traditional Format
- Use this with "Card of Safe Return" to make up for the cost a bit.
- Use with the "Sinister Serpent" to effectively lower the cost of this card to one.
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45 Years of Guitar Loving Experience
45 Years of Guitar Loving Experience
Sold Out
Body shape: Single cutaway Body type: Solid body Body material: Solid wood Top wood: Not applicable Body wood: Alder. Ash on Natural Body finish: Gloss Polyurethane Orientation: Right handed Neck Neck shape: Modern Deep C Neck wood: Maple Joint: Bolt-on Scale length: 25.5 in. Truss rod: Dual-action Neck finish: Satin Fretboard Material: Rosewood Radius: 9.5 in. Fret size: Tall narrow Number of frets: 22 Inlays: Dot Nut width: 1.687 in. (42.8 mm) Pickups Configuration: HH Neck: Shawbucker 1T Middle: Not applicable Bridge: Shawbucker 2T Brand: Fender Active or passive pickups: Passive Series or parallel: Series Piezo: No Active EQ: No Special electronics: None Controls Control layout: Volume 1, volume 2, tone 1, tone 2 Pickup switch: 3-way Coil tap or split: No Kill switch: No Hardware Bridge type: Fixed Bridge design: 6-saddle string through body Tailpiece: Not applicable Tuning machines: Deluxe staggered Color: Nickel/chrome Other Number of strings: 6-string Special features: Electronics Case: Hardshell case
Sign up to get our VIP discounts, first look at new releases and more …
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Welcome to the official blog of Davisware, Inc.! Since 1988, we've helped service-oriented businesses, contractors, distributors, and manufacturers become industry leaders with technology solutions critical to the growth and success of their businesses.
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Pop-Up ChefVivian Kamen
New York
About Vivian Kamen
My husband and I have been in the restaurant industry for many years and have been hosting dinner parties in our home. Now we'd love to open our quirky Brooklyn brownstone apartment and share our food with some new people. I've been a pastry chef and baker for some of NYC's most popular restaurants. My husband has been and cook and bartender in NYC for over 10 years. Over the years through our work experience and traveling we've discovered dishes and cuisines that have changed the way we look at food and want to pass on our enthusiasm for well thought out meals and hospitality. My husband has been a professional cook, bartender & DJ, and I've been a professional pastry chef and server. This seems like a natural fit for us. We both have NY Food Protection & Handling Certificates


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Forever 21? How true is that? Why is it you wish to be 21 forever?
Well, no matter how old you are or you will be, being 21 is just a different phase of your life. It is because at this age you are either about to graduate or take on a new phase in life and decide your future. It is that point in life when you are open to all the possibilities in life, and have nothing to lose. You are ready to explore, take risks, experiment, learn and discover yourself and the world around you. This age is like no other, and certainly the reason why we all wish for being 21 forever!
To tell you more about my adventures and perspective about Being 21, I would like to share with you my story and how I decided to take on my first solo trip at 21.
Post my final year exams, I celebrated by 21st birthday the way I had always wanted to. Friends, Drinks, Late night party, Dance, Music and not to forget endless selfies! It felt like my best birthday, which later made me believe it was bound to be the best as it made me take on my first solo trip! Even after having spent the day with everything I loved, something was missing. No it wasn't a thing or a person. It was the wanderer in me that needed some attention. And as they say, once you are bitten by a travel bug, you seldom can escape it!
I took my first solo trip right after my 21st birthday to Delhi- Lohajung( Roopkund)- Rishikesh-Haridwar-Delhi for 40 days!
In case you are wondering what I did for 40 days at just 4 places, let me tell you that I took up an internship with an hiking organization India Hikes wherein I was given an opportunity to stay at Roopkund trek Slope, in Uttrakhand for a month!
Being 21, I now feel like everyone should take a solo trip at this age.
Here are the reasons as to Why you must take a solo trip at 21 :
• "25 pe naukri aur 26 pe chokri"
That has been the plan isn't it?
Your dreams have always been surrounded by your so called career goals. It's like your whole life has been planned for, either by yourself or by your parents. While you are preparing yourself for that Corporate Job which you have always dreamt about, you have forgotten to dream beyond your career goals. Come on dude, like really is that your dream? Is that really your purpose in life? If yes, it's time to test the power of your dreams.
• At 21, you have nothing to lose
Being 21 is all about reckless living, drunk nights, midnight studies, Saturday night stories and a life defined by exams and results. While on the other side, within yourself you have dreams, some really wild dreams to explore the unknown, to take risks, to try something adventurous. Well, this is the perfect time to do so, as you have no job to lose or no family to look after. You are free to do what you've always wanted to!
• After spending years studying, it's time for a real break all by yourself
You have given your best to everything so far. Be it family, friends, exams, presentations, campus interviews, or projects. By now you've mastered the art of mugging everything and anything! That's great. But now dear, its time you need a real break from the monotony of a student life.Its time you get the hell out of your college into the real world of travel!
• When was the last time you went somewhere alone? Truly ALONE!
Friends are your soulmates. They are the reason why college life has been so much fun! Indeed! But dear, have you realized that in all these years you've never really been alone. Be it your lover or best friends, they were always with you. Does the thought of being alone scare you a little? I am sure it does. And so this is the time when you need to be really alone. Not for the sake of others, but for yourself. You got to love your own company as much as you love your friends.
• By 21, you have heard many people saying many things about their lives and about the world. It's time for you to go and see it yourself
Yes you chose your career partly because you kinda liked it and partly because your parents wanted it. You have always done things as they were "supposed" to be done. Isn't it?
"Beta, ye karo, beta wo karo"
"Beta duniya bahaut badi hai aur log bahaut swarthy hai"
You have heard many stories on how bad the world can be an why you need to study hard and get a job for a good life. But that never really convinced you. Now is the time to go in the real world, meet new people and see the world through your experience and then form your own perception towards it!
• Time to get out of your comfort zone for once, and know yourself
Right from school to college, you were bound by a system. A system or environment that did test your capabilities, but it was always in your comfort level.Ask yourself this question:
When was the last time, you did something for the first time?
You have surely excelled in some or the other field by now. Be it sports, arts, dance, music anything. You may be an expert in the field as well. But have you ever done anything new? Anything that's not your calling? Like jumping off a cliff?
This is the time to go beyond your comfort and explore the new you!
Honestly, I could give you many more reasons to find the courage and go on your solo trip trip at 21. But I believe we all want this. You already know inside you there is a dream, which you have been ignoring for quiet a while.
Student life is not easy. I completely understand the complexities of being a student. But let me tell you buddies, life is too short to wait for the right time. Now is the time. Money sure is necessary, but you can work it out. There are so many opportunities that will let you travel for free. Like I found mine in a trekking organization as I love Mountains. You can find yours too!
I promise you, that if you live your 20's with everything you have always wanted to do. You can be FOREVER 21!
Feed your inner child. Feed that dream which has been left ignored. Feed your soul with things that will make you feel alive.
Don't be afraid, just go out there and do it. I am sure you wont regret!


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DSLR Neoprene Camera Case for Glaciers
For Canon, Fuji, Nikon, Olympus, Panasonic, Pentax, Samsung, Sony and more Digital SLR cameras
The Explore-All DSLR camera case is the best neoprene case on the market for backpackers, adventurers, and lightweight global travelers because it is designed by photographers that love to adventure.
The blue and white stripes represent our hurting glaciers around the world. As such, part of your purchase will go directly to 350.org as a donation to combat climate change. See bottom for more details.
- Capable of holding numerous camera models, this road trip, hike, bike, and trek friendly camera case is ideal for those looking for the value of a protective, durable, and quality case that shows more personality than generic brands.
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- The zippered pocket is perfect for camera accessories such as memory cards, spare batteries, and lens filters.
Part of your purchase will go directly to 350.org as a donation with the intent of helping to raise awareness of climate change and raise support for sustainable inititatives. Their website is also a great place to begin getting more involved.


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Explore the best middle schools in your area based on rigorous analysis of key statistics and millions of reviews from students and parents using data from the U.S. Department of Education. Read more on how this ranking was calculated.
Parent: Liked the opportunities to participate in different clubs, classes, sports, arts and find my interests. Disliked the heavy focus on some sports (football) and lack of investment with other sports (volleyball). Athletic department seems to have dropped the ball! Liked the variety of classes that can challenge and prepare you for college. Disliked the inconsistency with quality teachers. Most are great, some need to remember why they decided to become teachers.Read 518 Reviews


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Quick note: This test is timed! You have N MINUTES to complete the test! All unanswered questions will be marked as incorrect. Good luck and godspeed!
Talk to us! Let us know how we did!
Once you have read through the study material in the Nebraska DMV motorcycle handbook, you need to put your new knowledge to the test, with some realistic learner's permit test questions. The best source of real-life DMV test questions from the motorcycle permit test is the DMV learners permit practice test for Nebraska learners on this page! When partnered with the official permit test study guide, this Nebraska DMV practice test can ensure you are 100% ready to earn a motorcycle permit. There is no charge for using this quiz, nor are participants required to sign up to gain full access. To get started, simply click the 'start' button.
Working with a motorcycle practice test for Nebraska residents is not just advisable, it is essential to your success at the DMV test office. Reading the permit test study guide does not guarantee that you have assimilated the information it contains well enough to pass the motorcycle test. The only way to ensure you can pass the assessment is to reserve a portion of your study time to working with real Nebraska learners permit test questions. That is precisely what you will get from the motorcycle learners permit practice test for Nebraska residents we provide! All the material on this quiz has either been cut directly from real motorcycle permit test papers or built to mimic real questions, using information in the 2020 permit book. These motorcycle written test questions and answers are so authentic, that you may very well encounter some of them during the real permit test. Just remember that you must also read all the information in the study guide in addition to using this practice motorcycle permit test for Nebraska learners, as the real learners permit test is randomly generated and could address anything covered in that guide.
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Beginners Writing Poetry Course
January 12 @ 10:00 am - 12:00 pm£40
Gary Carr is a Burton based poet with a national reputation. More than 50 of his poems have been published in literary magazines and anthologies. He has performed his work throughout the UK and has delivered workshops across the Midlands. Gary has an MA in Creative Writing at Distinction level.
On this course, you will learn; How to read poetry, line and rhyme, writing styles, form and free with review and feedback
£12 per session*
£40 for all four
Starts Sunday 12th Jan 2020, 10am to 12 noon
Venue: The Messy Hare
Gallery & Coffee Shop
*whilst you may wish to attend individual sessions, we recommend that you book on all four to achieve maximum benefit
NB. Age 14 years plus only due to possible content
Payment required at time of booking. To book call in to the gallery, alternatively, request a payment link from firstname.lastname@example.com.


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This section of the website has information regarding the set-up of referees across the UK. Click here to visit the IHUK Referee Section website.
All officials from Level 1 through to Elite are registered as part of the IHUK Referee Section.
We have an Officiating Management Team in place who are responsible for managing the performance of officials within specific levels.
Please see our IHUK Referee Section Management chart below for more information.
We are pleased to confirm four course dates for the 2019/20 season. They will be:
Saturday 5th October – Nottingham
Sunday 20th October – Bracknell
Sunday 2nd February – Fife
Sunday 23rd February – Sheffield
We are in the process of confirming one further date in Scotland, and will release this as soon as possible.
Please visit the IHUK Referee Section website for further information and details on how to book or to express your interest in hearing about future courses.
In the meantime, if there is a question you are unsure of or would like further information that you cannot find in this section or on the IHUK Referee Section Website, please contact the relevant person below…
Referee Chief – Joy Johnston – firstname.lastname@example.com
Deputy Referee Chief – Michael Evans – firstname.lastname@example.com
Level 1 Course Manager – Tom Stephenson – email@example.com
Please contact the Referee Chief and Deputy Referee Chief for all other enquiries.
Our management structure is shown below (click to open full size):
NEWS: Seventeen UK officials selected for IIHF tournaments
October 28, 2019 Seventeen UK officials have been selected for major IIHF assignments for the 2019-20 season. It's the highest number of officials Great Britain will have sent to IIHF tournaments across the world. Ice
#TeamStripes – IHUK Referee Section confirm final L1 course; Nottingham event hailed a success
October 14, 2019 IHUK Referee Section are pleased to confirm their fifth and final Level One course for 2019/20 season, which will be held on Saturday 16th November in Kilmarnock. The first course of the
NEWS: Four official system confirmed for NIHL National division
September 23, 2019 The EIHA board have confirmed that the four official system will be used in the new NIHL National division which got underway in earnest this past weekend. The new second tier competition
#TeamStripes: are you interested in becoming an ice hockey official?
September 7, 2019 The Ice Hockey UK Referee Section are pleased to confirm four Level One courses for 2019/20 season. They will be: Saturday 5th October – Nottingham Sunday 20th October – Bracknell Sunday 2nd
NEWS: in-house rules document published for new season
September 6, 2019 With the new season underway, we are pleased to confirm that the 2019/20 In-House Rules document has been published with thanks to our colleagues at the Ice Hockey UK Referee Section. Competitions
NEWS: UK's #TeamStripes continue to raise the bar as new season looms
August 15, 2019 The third annual conference for Ice Hockey UK Referee Section took place in Nottingham recently, with almost 250 officials from all levels of the game and from all parts of the


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Edith I. Davis, 95, of Niles, passed away at 7:40PM Saturday May 18, 2019 at Continuing Health Care of Niles.
She was born July 25, 1923 in Braceville Twp, Ohio the daughter of Perry and Theo Carr Kistler.
Edith was employed as a cook at several restaurants in Ashtabula and Warren, Ohio as well as in Florida and Texas for 30 years retiring in 1985 and enjoyed drawing and being around little children.
Her husband Sam Davis whom she married in 1967 died in 1994.
She will be sadly missed by her son Thomas Helsley and his wife Beverly of Prescott Valley, Arizona; a brother Richard Kistler and his wife Dottie of Georgia, a sister Wyn Montgomery of Warren, 10 grandchildren, 17 great-grandchildren, 12 great-great-grandchildren, and 2 great-great-great-grandchildren.
She was preceded in death by two sons Dennis Helsley and Terry Helsley, two brothers, Robert Kistler, and Fred Kistler, and four sisters, Ruth Osborne, Kathern Bickel, Helen Gaumer, and Mildred Smith.
Cremation has taken place. There are no calling hours or services.
Arrangements are being handled by The Joseph Rossi and Sons Funeral Home in Niles.
To send flowers to Edith's family, please visit our floral section.


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Great Location! Mixed Commercial & Multi-Family Land for Sale! Level 3.1 Acres in close proximity of Bellis Fair Mall and Whatcom Community College! Methodically sited in the thriving Cordata Area! Bordering numerous Mulit-Family developments, Comcast, Micro-Radian, Ryzex and Madrona Medical. Rapid access to I-5 via Meridian. Tons of investment opportunities, Great Price!
Listing Office: RE/MAX Town Center.
|Status Changed from Pending Feasibility to Active
|Status Changed from Active to Pending Feasibility
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Listing information last updated on January 22nd, 2020 at 6:37pm PST.


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Jul 13, 2015 01:58 AM EDT
Market analysts Slice Intelligence released figures last week that the Apple Watch experienced a 90% fall in sales. While Apple won't release the sales figures to debunk or confirm this report, this news was met with varying reactions across the tech sphere.
The first is that while the sales may have fallen, the Apple Watch may still have eaten a large chunk of the previous, undisputed, king of smartwatches, the Kickstarter baby Pebble. More than that, these figures actually cast a shadow on what may not have properly gotten off the ground: Android Wear.
Given the fact that Android fans around the world put so much stock on the new generation of wearable tech, this comes as possibly disheartening news.
All Android Wear watches combined have shipped around 720,000 units in 2014, while the Apple Watch was able to garner around 957,000 units in pre-order estimates alone. However, the fall that Slice Intelligence described was the massive drop from the daily US sales of 35,000 Apple Watches in April 2015 to a dismal 2,500 units a day this July. This is an indicator that end-users may not be ready for smartwatches, just yet.
Even with the Pebble breaking new ground with its $10.3 Million funding success on Kickstarter, as well as the milestone of selling its 1 millionth smartwatch on December 31, 2014, these recent stats still show that the smartwatch market may have gotten too saturated, too soon.
There may be a few factors why the market of early adopters for the smartwatch seems to have reached its saturation point:
• The market has forked, because the different smartwatches serve different purposes: The Fitbit is for health and fitness buffs, so those who are looking to use their smartwatches as a fitness tracker choose Fitbit over the other offerings. The Pebble, on the other hand, has a sophisticated, well-developed, cross-platform system compared to the Apple Watch. Thus, Pebble loyalists may have chosen the Pebble over the Apple Watch or Android Wear, because they prefer the cross-platform setup.
• The smartwatch does NOT replace the smartphone. Some of the users may have expected more than a phone extension, so seeing the smartwatch's limited functionality may have discouraged prospective new users from taking up the device.
• The market is veering towards a greater level of disconnection from electronics. There's a new movement to "disconnect" or to consciously be less addicted to one's electronics. The smartwatch works against this "cause," and maybe that could be a factor why consumers opt to keep the smartwatches on the shelves instead of snapping them up.
Maybe it's too early for the technology; maybe the geeks who want wearable tech have snapped up their smartwatch of choice and aren't looking to buy another one soon. Maybe a few years from now, the market will have better reasons to take up smartwatches. In any case, the smartwatch hype seems to have reached a plateau, for now.
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