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Terms and Conditions of Use
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6. All orders are MADE TO ORDER, NON-RETURNABLE, NON-REFUNDABLE, NON-EXCHANGEABLE. Inspect products at time of delivery and report any damages immediately to both the truck driver and Versadeck Decking, Inc.. Make sure the driver provides you documentation to prove you reported the damage. Contact us before the truck driver leaves your property. This is important to make sure the damage will be covered as it is insured if reported correctly.
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text:
...one of the most highly
regarded and expertly designed C++ library projects in the
world. — Herb Sutter and Andrei
Alexandrescu, C++
Coding Standards
The format library provides a class for formatting arguments according
to a format-string, as does printf, but with two major differences
You can find more Details in :
Revised 02 December, 2006
Copyright © 2003 Samuel Krempp
Distributed under the Boost Software License, Version 1.0. (See accompanying file LICENSE_1_0.txt or copy at http://www.boost.org/LICENSE_1_0.txt)

subset: commoncrawl


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¿Olvidó su nombre de usuario?
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Inactive Modules
You should publish modules to the "inactive" position and set the Menus to "All", for them to show up on pages where there is no active menu ID. This is a bug/feature of Joomla that causes only menu items in the "All" setting to show up.


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Package 'fwi.fbp' was removed from the CRAN repository.
Formerly available versions can be obtained from the archive.
Archived on 2023-11-01 as check problems were not corrected in time.
A summary of the most recent check results can be obtained from the check results archive.
Please use the canonical form https://CRAN.R-project.org/package=fwi.fbp to link to this page.


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FBI releases photos of Boston Bombing suspects
The FBI has released photos of two suspects in the Boston Marathon bombings and is asking for the public's help in identifying them.
FBI Agent Richard DesLauriers says the photos came from surveillance cameras near the explosion sites.
The explosions Monday killed three people and injured more than 180.
The images were released hours after President Barack Obama and first lady Michelle Obama attended an interfaith service at a Roman Catholic cathedral in Boston to remember the victims, including an 8-year-old boy.FBI releases photos of Boston Bombing suspects


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Spanning grades kindergarten to grade 8, the Interactive Notebooks series focuses on grade-specific math, language arts, or science skills. Aligned to meet current state standards, every 96-page book in this series offers lesson plans to keep the process focused. Reproducibles are included to create notebook pages on a variety of topics, making this series a fun, one-of-a-kind learning experience.
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Distinctive granites quarried from the Adirondack Mountains and distributed all over the world.
8986 State Rt. 4Whitehall, NY 12887(518) 499-0602 Fax: (518) 499-2670
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The quality in our stone is from usingstone splitting equipment.
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*Disclaimer: The information contained herein has been furnished by the owner(s) and or their nominee and represented by them to be accurate. The listing company, agent and CIREBA MLS disclaims any liability or responsibility for any inaccuracies, errors or omissions in the represented information. The listing details herein are also courtesy of CIREBA (Cayman Islands Real Estate Brokers Association) MLS and/or via LDX (Listing Data Exchange) feed. All the information contained herein is subject to errors, omissions, price changes, prior sale or withdrawal, without notice and is at all times subject to verification by the purchaser(s).
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Tagged: Black Lives Matter, Iron On, Quote, Raised Fist, Sew On
We currently have 0 in stock.
This product has free delivery with tracking provided. Estimated delivery 20-40 days.
Size: 4.3 cm x 7.7 cm
Type: Iron On Patch / Sew on Patch
Clenched raised black fist of solidarity with the words black lives matter.
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HLP Donations Page has been reworked for supporting the site.
Please note that the previous "Tiers" are currently not operational (but will be worked on).
You can still cancel any previous re-occurring donations to make new ones which will go to the new Treasurer Admin (Zacam).
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President Barack Obama gestures as he speaks during an Easter Prayer Breakfast in the East Room of the White House in Washington, Friday, April 5, 2013. Credit: AP
© 2023 Blaze Media LLC. All rights reserved.
Obama Proposes 2014 Budget -- But 'It's Not What He Would Do If He Were King
April 05, 2013
Some Democrats "terribly disappointed."
WASHINGTON (TheBlaze/AP) -- Seeking an elusive middle ground, President Barack Obama is proposing a 2014 budget that embraces tax increases abhorred by Republicans as well as reductions, loathed by liberals, in the growth of Social Security and other benefit programs.
However, White House press secretary Jay Carney on Friday said "it's not what he would do if he were king."
"What I will say is that this is not the president's idealized budget," Carney said. "It is not what he would do if he were king, or if only people who supported his proposals were in Congress. It was what he believes is a fair and balanced approach to our deficit challenges. One that allows us to invest, that protects seniors, that helps secure the middle class--and give ladders to those who want to get into the middle class."
The plan, if ever enacted, could touch almost all Americans. The rich would see tax increases, the poor and the elderly would get smaller annual increases in their benefits, and middle income taxpayers would slip into higher tax brackets despite Obama's repeated vows not to add to the tax burden of the middle class. His proposed changes, once phased in, would mean a cut in Social Security benefits of nearly $1,000 a year for an average 85-year-old, smaller cuts for younger retirees.
Obama proposed much the same without success to House Speaker John Boehner in December. The response Friday was dismissive from Republicans and hostile from liberals, labor and advocates for the elderly.
But the proposal aims to tackle worrisome deficits that are adding to the national debt and placing a long-term burden on the nation, prompting praise from independent deficit hawks. Obama's budget also proposes new spending for public works projects, pre-school education and for job and benefit assistance for veterans.
The budget, which Obama will release Wednesday to cover the budget year beginning Oct. 1, proposes spending cuts and revenue increases that would result in $1.8 trillion in deficit reductions over 10 years. That figure would replace $1.2 trillion in automatic spending cuts that are poised to take effect over the next 10 years if Congress and the president don't come up with an alternative, thus delivering a net increase in deficit reduction of $600 billion.
Counting reductions and higher taxes that Congress and Obama have approved since 2011, the 2014 budget would contribute to $4.3 trillion in total deficit reduction by 2023.
The budget wouldn't affect the $85 billion in cuts that kicked in last month for this budget year.
President Barack Obama gestures during his meeting with Singapore Prime Minister Lee Hsien Loong in the Oval Office of the White House in Washington, Tuesday, April, 2, 2013. Credit: AP
A key feature of Obama's plan is a revised inflation adjustment called "chained CPI." This new formula would effectively curb annual increases in a broad swath of government programs but would have its biggest impact on Social Security. By encompassing Obama's offer to Boehner, R-Ohio, the plan would also include reductions in Medicare spending, much of it by targeting payments to health care providers and drug companies. The Medicare proposal also would require wealthier recipients to pay higher premiums or co-pays.
Obama's budget proposal also calls for additional tax revenue, primarily by placing a 28 percent cap on deductions and other tax exclusions. That plan would affect wealthy taxpayers as would a new administration proposal to place limits on tax-preferred retirement accounts for millionaires and billionaires.
Obama made the same offer to Boehner in December when he and the speaker were negotiating ways of avoiding a steep, so-called fiscal cliff of combined across-the-board spending cuts and sweeping tax increases caused by the expiration of Bush-era tax rates. Boehner rejected that plan and ultimately Congress approved tax increases that were half of what Obama had sought.
"If you look at where the president's final offer and Boehner were ... they were extremely close to each other," said Maya MacGuineas, president of the Committee for a Responsible Federal Budget. "We do think that it's a very good sign that the president has included real entitlement reforms in the budget."
Boehner, in a statement Friday, said House Republicans made clear to Obama last month that he should not make savings in entitlement programs that both sides agree on, contingent on more tax increases.
"If the president believes these modest entitlement savings are needed to help shore up these programs, there's no reason they should be held hostage for more tax hikes," Boehner said. "That's no way to lead and move the country forward."
The inflation adjustment would reduce federal spending on government programs over 10 years by about $130 billion, according to White House estimates. Because it also affects how tax brackets are adjusted, it would also generate about $100 billion in higher taxes and hit even middle income taxpayers.
Once the change is fully phased in, Social Security benefits for a typical middle-income 65-year-old would be about $136 less a year, according to an analysis of Social Security data. At age 75, annual benefits under the new index would be $560 less. At 85, the cut would be $984 a year.
The concept behind the chained CPI is that consumers substitute lower-priced alternatives for goods whose costs spike. So, for example, if the price of oranges goes too high for some consumers, they could buy alternatives like apples or strawberries if their prices were more affordable. This flexibility isn't considered in the current system of gauging inflation, a calculation that determines how much benefits grow each year. Taking it into account means such benefits won't grow by as much.
Advocates for the elderly say seniors pay a higher portion of their income for health care, where costs rise more quickly than inflation.
The White House has said the cost-of-living adjustments would include protections for "vulnerable" recipients.
"The president should drop these misguided cuts in benefits and focus instead on building support in Congress for investing in jobs," AFL-CIO President Richard Trumka said in a statement.
AARP's legislative policy director said Obama's budget proposal, while not a surprise, was a disappointment.
"The message seems to be that the president wants a deal and is willing to even sacrifice such important benefits as Social Security as part of that deal," said David Certner. The seniors lobby argues that Social Security doesn't belong in the budget talks because it isn't contributing to the deficit and is separately financed with its own dedicated taxes.
Citing the effect on veterans, Sen. Bernie Sanders, I-Vt., chairman of the Senate Committee on Veterans' Affairs, said he was "terribly disappointed" in the Obama plan and would "do everything in my power to block" it.
While Obama has proposed the slower cost of living adjustment plan during fiscal negotiations with Republican leaders, placing it in the budget would put the administration's official imprint on the plan and mark a full shift from Obama's stand in 2008, when he campaigned against Republican Party nominee John McCain.
In a Sept. 6, 2008, speech to AARP, Obama said: "John McCain's campaign has suggested that the best answer for the growing pressures on Social Security might be to cut cost-of-living adjustments or raise the retirement age. Let me be clear: I will not do either."
Obama also proposes $305 billion in cuts to Medicare over a decade, including $156 billion through lower Medicare payments to drug companies and higher premiums or co-pays from wealthy recipients. That's to the right of the conservative budget of House Budget Committee Chairman Paul Ryan, R-Wis., which barely touches Medicare in the coming 10 years, cutting just $129 billion from the program. The huge Medicare savings from Ryan's proposal, which transforms the system into a program in which the government subsidizes health insurance purchases on the private market, wouldn't accrue until the following decade.
Obama's budget comes after the Republican-controlled House and Democratic-run Senate passed separate and markedly different budget proposals. House Republicans achieved long-term deficit reductions by targeting safety net programs; Democrats instead protected those programs and called for $1 trillion in tax increases.
But Obama has been making a concerted effort to win Republican support, especially in the Senate. He has even scheduled a dinner with Republican lawmakers on the evening that his budget is released next week.
As described by the administration officials, the budget proposal would also end a loophole that permits people to obtain unemployment insurance and disability benefits at the same time.
Obama's proposal, however, includes calls for increased spending. It proposes $50 billion for public works projects. It also would make preschool available to more children by increasing the tax on tobacco.
Featured image via AP
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Print & Ship + Biz Center provides fax service to businesses and residents of Mount Dora, FL along with our packing, shipping, document printing, mailbox rentals and other services. We use the latest high-speed, quality fax equipment to ensure your faxes arrive quickly and crisply and provide service for:
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Professional high-frequency cable designed for the frequency range 0 to 6 GHz. The cable with a length of 2m is terminated with crimped connectors, SMA female on one side and N female on the other.
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1701 Outer Hammond Street
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Gary Ackerman on Tax Reform
Dem./Ind./Lib./Working-Fam. (NY-5)
The AMT sets a minimum tax rate of 26% or 28% on some taxpayers so that they cannot use certain types of deductions to lower their tax. By contrast, the rate for a corporation is 20%. Affected taxpayers are those who have what are known as "tax preference items". These include long-term capital gains, accelerated depreciation, & percentage depletion.
Because the AMT is not indexed to inflation, an increasing number of upper-middle-income taxpayers have been finding themselves subject to this tax. In 2006, an IRS report highlighted the AMT as the single most serious problem with the tax code.
For 2007, the AMT Exemption was not fully phased until [income reaches] $415,000 for joint returns. Within the $150,000 to $415,000 range, AMT liability typically increases as income increases above $150,000.
OnTheIssues.org Explanation: This vote extends the AMT exemption, and hence avoids the AMT affecting more upper-middle-income people. This vote has no permanent effect on the AMT, although voting YES implies that one would support the same permanent AMT change.
Proponents support voting YES because:
Rep. RANGEL: We have the opportunity to provide relief to upward of some 25 million people from being hit by a $50 billion tax increase, which it was never thought could happen to these people. Almost apart from this, we have an opportunity to close a very unfair tax provision, that certainly no one has come to me to defend, which prevents a handful of people from having unlimited funds being shipped overseas under deferred compensation and escaping liability. Nobody, liberal or conservative, believes that these AMT taxpayers should be hit by a tax that we didn't intend. But also, no one has the guts to defend the offshore deferred compensation. So what is the problem?
Opponents recommend voting NO because:
Rep. McCRERY: This is a bill that would patch the AMT, and then increase other taxes for the patch costs. Republicans are for patching the AMT. Where we differ is over the question of whether we need to pay for the patch by raising other taxes. The President's budget includes a 1-year patch on the AMT without a pay-for. That is what the Senate passed by a rather large vote very recently, 88-5. The President has said he won't sign the bill that is before us today. Republicans have argued against applying PAYGO to the AMT patch. In many ways PAYGO has shown itself to be a farce.
The bill would allow more individuals to receive immediate $300 refunds, and lower the capital gains tax rate from 20% to 18%.
Every year National Taxpayers Union (NTU) rates U.S. Representatives and Senators on their actual votes�every vote that significantly affects taxes, spending, debt, and regulatory burdens on consumers and taxpayers. NTU assigned weights to the votes, reflecting the importance of each vote�s effect. NTU has no partisan axe to grind. All Members of Congress are treated the same regardless of political affiliation. Our only constituency is the overburdened American taxpayer. Grades are given impartially, based on the Taxpayer Score. The Taxpayer Score measures the strength of support for reducing spending and regulation and opposing higher taxes. In general, a higher score is better because it means a Member of Congress voted to lessen or limit the burden on taxpayers. The Taxpayer Score can range between zero and 100. We do not expect anyone to score a 100, nor has any legislator ever scored a perfect 100 in the multi-year history of the comprehensive NTU scoring system. A high score does not mean that the Member of Congress was opposed to all spending or all programs. High-scoring Members have indicated that they would vote for many programs if the amount of spending were lower. A Member who wants to increase spending on some programs can achieve a high score if he or she votes for offsetting cuts in other programs. A zero score would indicate that the Member of Congress approved every spending proposal and opposed every pro-taxpayer reform.
OnTheIssues.org interprets the 2005-2006 CTJ scores as follows:
Citizens for Tax Justice, founded in 1979, is not-for-profit public interest research and advocacy organization focusing on federal, state and local tax policies and their impact upon our nation. CTJ's mission is to give ordinary people a greater voice in the development of tax laws. Against the armies of special interest lobbyists for corporations and the wealthy, CTJ fights for:
|2012 Governor, House and Senate candidates on Tax Reform:
|Gary Ackerman on other issues:
NY Gubernatorial:
Andrew Cuomo
Mike Bloomberg
NY Senatorial:
Bob Turner
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Running for President:
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WI-2:Tammy Baldwin(D)
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AR-4:Mike Ross(D)
AZ-8:Gabby Giffords(D)
CA-2:Wally Herger(R)
CA-6:Lynn Woolsey(D)
CA-18:Dennis Cardoza(R)
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NC-13:Brad Miller(D)
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Best match results for mini golf for kids in South Africa + 30km.
Mini Golf is a great family activity. Play safely with kids of any age, outdoor or in the dark, and enjoy a wonderful moment together.
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+29.5% last 12 months
$73 BillionThe market capitalization is the market value of the company. It is the sum of the value of all outstanding shares.
$23.59 - $37.76The lowest and highest price in the last 52 weeks.
29.46xThe price-earnings ratio is the ratio between the price per share (stock price) and the earnings per share. It indicates the percentage of the price per share (stock price) that is generated in earnings in the last 12 months.
$0.92 (2.47%)Dividends per share is the amount of dividends paid out to the shareholder of a single share in the last 12 months. The percentage indicates the ratio of the company's annual dividend compared to its current price per share (stock price).
|Market Cap The market value of the company. It's calculated by multiplying the share price by the number of outstanding shares.
|$73 Billion
|Enterprise Value A measure of a company's total value. This includes market cap, cash, and debt.
|$73.2 Billion
|Dividend Yield Yearly payout to shareholders per share. The percentage indicates the payout in relation to the share price.
|$0.92 (2.47%)
|1 Year Return Profit or loss of share price change plus dividend yield.
|52-Week High Highest share price in the last 52 weeks.
|52-Week Low Lowest share price in the last 52 weeks.
|Beta Beta indicates the volatility of a stock compared to the market. Higher beta means more volatile and thus potentially higher risk and return.
|Outstanding Shares The number of shares the company has issued and are held by stockholders.
|1.96 Billion
|Avg 30 Day Volume The number of shares traded in the last 30 days.
|2 Million
|P/E Ratio Ratio between share price and earnings per share. A low ratio could indicate that the stock is undervalued or investors aren't expecting high growth. A high ratio could indicate that the stock is overvalued or investors are expecting high growth.
|PEG The ratio between the P/E ratio and the growth rate of the company's earnings per share in the last twelve months. A lower PEG could mean that a stock is undervalued.
|Earnings per Share Earnings divided by outstanding shares. Higher EPS indicates greater value.
|Price to Sales Ratio Market cap divided by the revenue in the most recent year.
|Price to Book Ratio Price to Book Ratio is the Market cap divided by the Book value of the company
|Enterprise Value to Revenue Enterprise value divided by revenue
|Enterprise Value to EBIT Enterprise Value divided by EBIT
|Total Debt to Enterprise Value Total debt divided by enterprise value
|Debt to Equity A higher ratio indicates a higher risk. However, the ratio is difficult to compare between industries where common amounts of debt vary.
|Revenue Revenue is the sum of all cash flow into the company.
|$28.9 Billion
|Gross Profit Gross profit is the profit after subtracting the costs of making and selling its products or the costs of providing its services. It indicates the efficiency of using their resources to produce goods or services.
|$9.47 Billion
|EBIT Earnings before tax and interest payments.
|$2.99 Billion
|Net Income Net Income is the profit after all expenses have been deducted from the total revenue.
|$4.55 Billion
|Profit Margin Net income divided by revenue of the last 4 quarters. It indicates the company's profitability.
|Quarterly Earnings Growth (YoY) The rate at which the company's net income has increased to the same quarter one year ago.
|Return on Equity Equity divided by market cap.
|Return on Assets Indicates a company's profitability in relation to its total assets.
|Return on Invested Capital Return on invested capital (ROIC) is net income after dividends divided by the sum of debt and equity. It shows how effective a company is at turning capital invested by shareholders and other debtholders into profits.
No purchases
No sells
No purchases
No sells
No purchases
No sells
No purchases
No sells
CEO: Bjorn Rosengren
Industry: Switchgear and Switchboard Apparatus Manufacturing
Kwhen Finance, 29 days ago
Kwhen Finance, 3 months ago
Kwhen Finance, 3 months ago
Eight Indian stocks with market caps over Rs 75,000 crore that recently suffered from a Bearish MACD Crossover have been identified by ETMarkets. The Moving ...Economic Times India, 6 months ago


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Caching at El Dorado Lake
This is Brian and I as we made our final approach to the El Dorado Intersection Cache.
Today's Stats:
11 Geocaches.
20796 Steps Today - 9.5 miles.
6206 Aerobic Steps.
328 Calories Burned.
I try to use this blog to record something about my life everyday.
On December 31, 2007 I left my job with Sprint/Embarq where I worked as a Software Engineer for 15 years at the Sprint Campus in Kansas City. In January 2008 Mary and I started Steve Brown Ministries and started traveling the United States broadcasting "Live Video" of Revivals, Bible Conferences, Mission Conferences, and other Special Services. Mary and I enjoy serving the Lord Jesus Christ and traveling to churches as we minister through SteveBrownMinistries.com. We are very pleased that our ministry is endorsed and we are sent out of our home church at Heritage Baptist Temple in Little Rock, Arkansas.


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World History According to Students
This history of the world has been compiled by Richard Lederer from actual student bloopers and mistakes collected by teachers.
The inhabitants of Egypt were called mummies. They lived in the Sarah Dessert and traveled by Camelot. The climate of the Sarah is such that the inhabitants have to live elsewhere, so certain areas of the dessert are cultivated by irritation. The Egyptians built the Pyramids in the shape of a huge triangular cube. The Pyramids are a range of mountains between France and Spain.
The Bible is full of interesting caricatures. In the first book of the Bible, Guinesses, Adam and Eve were created from an apple tree. One of their children, Cain, asked "Am I my brother's son?" God asked Abraham to sacrifice Issac on Mount Montezuma. Jacob, son of Issac, stole his brother's birthmark. Jacob was a partiarch who brought up his twelve sons to be partiarchs, but they did not take to it. One of Jacob's sons, Joseph, gave refuse to the Israelites.
Pharaoh forced the Hebrew slaves to make bread without straw. Moses led them to the Red Sea, where they made unleavened bread, which is bread made without any ingredients. Afterwards, Moses went up on Mount Cyanide to get the ten commandments. David was a Hebrew king skilled at playing the liar. He fougth with the Philatelists, a race of people who lived in Biblical times. Solomon, one of David's sons, had 500 wives and 500 porcupines.
Without the Greeks, we wouldn't have history. The Greeks invented three kinds of columns – Corinthian, Doric and Ironic. They also had myths. A myth is a female moth. One myth says that the mother of Achilles dipped him in the River Stynx until he became intolerable. Achilles appears in "The Illiad", by Homer. Homer also wrote the "Oddity", in which Penelope was the last hardship that Ulysses endured on his journey. Actually, Homer was not written by Homer but by another man of that name.
Socrates was a famous Greek teacher who went around giving people advice. They killed him. Socrates died from an overdose of wedlock.
In the Olympic Games, Greeks ran races, jumped, hurled the biscuits, and threw the java. The reward to the victor was a coral wreath. The government of Athen was democratic because the people took the law into their own hands. There were no wars in Greece, as the mountains were so high that they couldn't climb over to see what their neighbors were doing. When they fought the Parisians, the Greeks were outnumbered because the Persians had more men.
Eventually, the Ramons conquered the Geeks. History call people Romans because they never stayed in one place for very long. At Roman banquets, the guests wore garlic in their hair. Julius Caesar extinguished himself on the battlefields of Gaul. The Ides of March killed him because they thought he was going to be made king. Nero was a cruel tyrany who would torture his poor subjects by playing the fiddle to them.
Then came the Middle Ages. King Alfred conquered the Dames, King Arthur lived in the Age of Shivery, King Harlod mustarded his troops before the Battle of Hastings, Joan of Arc was cannonized by George Bernard Shaw, and the victims of the Black Death grew boobs on their necks. Finally, the Magna Carta provided that no free man should be hanged twice for the same offense.
In midevil times most of the people were alliterate. The greatest writer of the time was Chaucer, who wrote many poems and verse and also wrote literature. Another tale tells of William Tell, who shot an arrow through an apple while standing on his son's head.
The Renaissance was an age in which more individuals felt the value of their human being. Martin Luther was nailed to the church door at Wittenberg for selling papal indulgences. He died a horrible death, being excommunicated by a bull. It was the painter Donatello's interest in the female nude that made him the father of the Renaissance. It was an age of great inventions and discoveries. Gutenberg invented the Bible. Sir Walter Raleigh is a historical figure because he invented cigarettes. Another important invention was the circulation of blood. Sir Francis Drake circumcised the world with a 100-foot clipper.
The government of England was a limited mockery. Henry VIII found walking difficult because he had an abbess on his knee. Queen Elizabeth was the "Virgin Queen." As a queen she was a success. When Elizabeth exposed herself be fore her troops, they all shouted "hurrah." Then her navy went out and defeated the Spanish Armadillo.
The greatest writer of the Renaissance was William Shakespear. Shakespear never made much money and is famous only because of his plays. He lived in Windsor with his merry wives, writing tragedies, comedies and errors. In on of Shakespear's famous plays, Hamlet rations out his situation by relieving himself in a long soliloquy. In another, Lady Macbeth tries to convince Macbeth to kill the King by attacking his manhood. Romeo and Juliet are an example of a heroic couplet. Writing at the same time as Shakespear was Miquel Cervantes. He wrote "Donkey Hote". The next great author was John Milton. Milton wrote "Paradise Lost." Then his wife dies and he wrote "Paradise Regained."
During the Renaissance America began. Christopher Columbus was a great navigator who discovered America while cursing about the Atlantic. His ships were called the Nina, the Pinta, and the Santa Fe. Later the Pilgrims crossed the Ocean, and the was called the 6cPilgrim's Progress. When they landed at Plymouth Rock, they were greeted by Indians, who came down the hill rolling their was hoops before them. The Indian squabs carried porposies on their back. Many of the Indian heroes were killed, along with their cabooses, which proved very fatal to them. The winter of 1620 was a hard one for the settlers. Many people died and many babies were born. Captain John Smith was responsible for all this.
One of the causes of the Revolutionary Wars was the English put tacks in their tea. Also, the colonists would send their pacels through the post without stamps. During the War, Red Coats and Paul Revere was throwing balls over stone walls. The dogs were barking and the peacocks crowing. Finally, the colonists won the War and no longer had to pay for taxis.
Delegates from the original thirteen states formed the Contented Congress. Thomas Jefferson, a Virgin, and Benjamin Franklin were two singers of the Declaration of Independence. Franklin had gone to Boston carrying all his clothes in his pocket and a loaf of bread under each arm. He invented electricity by rubbing cats backwards and declared "a horse divided against itself cannot stand." Franklin died in 1790 and is still dead.
George Washington married Matha Curtis and in due time became the Father of Our Country. Them the Constitution of the United States was adopted to secure domestic hostility. Under the Constitution the people enjoyed the right to keep bare arms.
Abraham Lincoln became America's greatest Precedent. Lincoln's mother died in infancy, and he was born in a log cabin which he built with his own hands. When Lincoln was President, he wore only a tall silk hat. He said, "In onion there is strength." Abraham Lincoln write the Gettysburg address while traveling from Washington to Gettysburg on the back of an envelope. He also signed the Emasculation Proclamation, and the Fourteenth Amendment gave the ex-Negroes citizenship. But the Clue Clux Clan would torcher and lynch the ex-Negroes and other innocent victims. On the night of April 14, 1865, Lincoln went to the theater and got shot in his seat by one of the actors in a moving picture show. The believed assinator was John Wilkes Booth, a supposedly insane actor. This ruined Booth's career.
Meanwhile in Europe, the enlightenment was a reasonable time. Voltare invented electricity and also wrote a book called "Candy". Gravity was invented by Issac Walton. It is chiefly noticeable in the Autumn, when the apples are flaling off the trees.
Bach was the most famous composer in the world, and so was Handel. Handel was half German, half Italian and half English. He was very large. Bach died from 1750 to the present. Beethoven wrote music even though he was deaf. He was so deaf he wrote loud music. He took long walks in the forest even when everyone was calling for him. Beethoven expired in 1827 and later died for this.
France was in a very serious state. The French Revolution was accomplished before it happened. The Marseillaise was the theme song of the French Revolution, and it catapulted into Napoleon. During the Napoleonic Wars, the crowned heads of Europe were trembling in their shoes. Then the Spanish gorrilas came down from the hills and nipped at Napoleon's flanks. Napoleon became ill with bladder problems and was very tense and unrestrained. He wanted an heir to inheret his power, but since Josephine was a baroness, she couldn't bear him any children.
The sun never set on the British Empire because the British Empire is in the East and the sun sets in the West. Queen Victoria was the longest queen. She sat on a thorn for 63 years. He reclining years and finally the end of her life were exemplatory of a great personality. Her death was the final event which ended her reign.
The nineteenth century was a time of many great inventions and thoughts. The invention of the steamboat caused a network of rivers to spring up. Cyrus McCormick invented the McCormick Raper, which did the work of a hundred men. Samuel Morse invented a code for telepathy. Louis Pastuer discovered a cure for rabbis. Charles Darwin was a naturailst who wrote the "Organ of the Species". Madman Curie discovered radium. And Karl Marx became one of the Marx Brothers.
The First World War, cause by the assignation of the Arch-Duck by a surf, ushered in a new error in the anals of human history.


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Last Updated on November 19, 2015 by Martin
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Med-Tech gives us the opportunity to show and discuss the types of services that Boddingtons Plastics can offer to our customers. We've seen really good footfall and had several new leads for new devices. The show has been a great success for us and in fact we've booked for next year already.
MedTech Innovation Expo was a fascinating event that gave us new insight and inspiration into the challenges we face and, more importantly, into the solutions to solve those challenges. We've already marked the event on our calendar for next year and we can't wait to see what progress has been made… and perhaps, more importantly, what progress we can aid with our Aether Engine technology!
It was great to speak at this excellent event, very well attended by the NHS and Industry, well organised and plenty of opportunities for networking. Looking forward to coming again next year!
We've managed to get a lot of interest of people... It's a lot bigger than what we expected, and we've managed to find unexpected partnerships with companies we didn't even know existed. We were here last year but we weren't exhibiting, and we were impressed with the quality and quantity of exhibitors, so we thought it was worth it this year.


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Internet Providers in Tarakan, North Kalimantan, Indonesia
October 2023
This information on internet performance in Tarakan, North Kalimantan, Indonesia is updated regularly based on Speedtest® data from millions of consumer-initiated tests taken every day. After you've learned about median download and upload speeds from Tarakan over the last year, visit the list below to see mobile and fixed broadband internet speeds from additional cities within . Then compare your internet experience by taking a Speedtest below.
For additional up-to-date information about internet speeds in Indonesia as a whole, visit the Speedtest Global Index™ or read our recent Market Reports for provider information.
Tarakan Fixed Speeds
Download Mbps
Median download speed
Upload Mbps
Median upload speed
Latency ms
Median latency
To be added to this list for mobile or fixed broadband, 75% of a city's monthly unique user totals over a 13-month period must have a minimum of 200 monthly unique user results.
To be updated for mobile or fixed broadband, 75% of a city's monthly unique user totals over a 13-month period must have a minimum of 100 monthly unique user results.
Cities in North Kalimantan
Regions in Indonesia
- Aceh
- Bali
- Bangka Belitung Islands
- Banten
- Bengkulu
- Central Java
- Central Kalimantan
- Central Sulawesi
- East Java
- East Kalimantan
- East Nusa Tenggara
- Gorontalo
- Jakarta
- Jambi
- Lampung
- Maluku
- North Kalimantan
- North Maluku
- North Sulawesi
- North Sumatra
- Papua
- Riau
- Riau Islands
- South East Sulawesi
- South Kalimantan
- South Sulawesi
- South Sumatra
- Special Region of Yogyakarta
- West Java
- West Kalimantan
- West Nusa Tenggara
- West Papua
- West Sulawesi
- West Sumatra


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|A Gazetteer for the United States and Canada
|Home >> Province of Alberta >> Mt. Auburn Cemetery
A visit to the Mount Auburn Cemetery ...
Introduction ...
Since our focus is on geography, we don't have burial or interment information. Nor do we have any contact information for the Mt. Auburn Cemetery. For information of that nature, we suggest the Find-A-Grave <1> website: The Mt. Auburn Cemetery (FG ID #2188699)
Note: We have organized the cemeteries in our Gazetteer based on a problem that we had while working on our own genealogy. Without specifying the cemeteries involved, we found an ancestor that we believed to have been buried in one cemetery was actually buried elsewhere.
We discovered that his burial had been refused at the last moment and the family had scrambled to make new arrangements. By looking at nearby cemeteries, the surrounding communities and in newspapers of the period, we were finally able to locate his burial site.
Should you find yourself in the same situation, we hope that our Gazetteer helps you discover your lost ancestor.
The Location of the Mt. Auburn Cemetery ...
We are using the following GPS coordinates (latitude and longitude) for the Mt. Auburn Cemetery
Lat: 52.6402° (52° 38' 24")
Lon: -114.2356° (-114° 14' 8")
Location using the Alberta Township System:
SW-28-042-02-W5 (Quarter-Section-Township-Range-Meridian)
Or the Southwest Quarter of Section 28, Township 042, Range 02, West of the 5th Meridian
Jump to a Google Map centered on the Mt. Auburn Cemetery
Name Variations for Mt. Auburn Cemetery ...
When doing your research, keep in mind that names and their spelling can change over time. Various errors happen - anything from simple spelling to bad translations.
Mt. Auburn Cemetery has also been known as:
If you have information about these names (such as the reason for the change, date of change, the origin of the name), please Contact Us.
Websites to help with your research ...
When we do our genealogical research, we begin with the websites from Cyndi's List, FamilySearch and Genealogy Trails. These websites offer the information directly or else point to where you can find it. Their websites are open to everyone.
To help you get started, the following links will take you to the pages that might help with the Mt. Auburn Cemetery:
List of neighboring communities ...
The following 25 communities are within 20 miles [32.2 km]<2> of the Mt. Auburn Cemetery.
We've listed the following communities based on their distance from Mt. Auburn Cemetery, with the nearest first.
For the full list of neighboring communities with details, please visit our extended List of Communities.
List of nearby cemeteries ...
Based on our list of cemeteries, we know of 21 that are within 28 miles [45.1 km]<2> of the Mt. Auburn Cemetery.<6>
We've listed the following cemeteries based on their distance from Mt. Auburn Cemetery, with the nearest first.
For an expanded list with details, please visit our List of cemeteries.
Miscellaneous References and Mentions ...
Our approach is to add the name of a cemetery whenever we see it mentioned - usually from newspapers, old books and maps. Typically we have little information to start with, but we continue to add detail as we find it.
We've created the following list to keep track of the sources that we found useful for the Mt. Auburn Cemetery:
Off-the-Road Links ...
The official website for Province of Alberta: https://www.alberta.ca/
Footnotes ...
Thank you for visiting our website.
In closing, please keep in mind that we can not guarantee the accuracy or timeliness of the information on this website, so use with care. We encourage you to double-check the information that is critical to you.
If you've found an error or have additional information that you would like to share, please don't hesitate to write: Click here to contact us.
This page was last modified/updated: 07 Dec 2023


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Nelsonville Village Court Traffic Ticket Attorney
What should I do if I am given a speeding ticket in Nelsonville Village in Putnam County?
Nelsonville Village Court
258 Main Street
Nelsonville, NY 10516
Nelsonville is a village located in Putnam County, New York. It has an estimated population of 565. It is home to the First Baptist Church of Cold Spring, which was added to the National Register of Historic Places in 1982.
This Court is responsible for handling all court matters, including moving violations, parking violations, traffic tickets, civil cases, criminal cases, and small claims cases.What Should I do If I am Given Speeding Ticket?
If you have given a speeding ticket in Putnam County, you should read the ticket thoroughly, follow the instructions, enter a plea of not guilty, and call our New York traffic ticket attorneys for a free consultation. Call us now at (800) 893-9645.
The worst thing you can do is to ignore the ticket. Your failure to answer the ticket in a timely manner could result in your privilege to drive being suspended or revoked. You could be found guilty in your absence. In addition, this may result in you paying higher insurance premiums for several years and you being hit with a mandatory $300.00 driver's assessment fee. In certain circumstances, this can be avoided by contesting your speeding ticket and hiring the right lawyer. Call today for your free initial consultation at 800-893-9645.
For additional information, visit these helpful links:
Vehicle Traffic Law FAQs
Traffic Point System
The fines can vary from jurisdiction. City Courts, Village Court, and Town Court have different standards upon which they impose a surcharge. Also, fines are imposed by the judge. Your fine will depend upon the nature of your charge and the judge that hears your case.What can I do to Fight the Speeding Ticket?
You can enter a plea of not guilty and contact this firm immediately to discuss your available defenses.Can I Really Beat a Speeding Ticket?
Yes you can, however, it is often impractical to attempt to get your charges dismissed at trial.
The judicial process can be long and arduous. You may be required to make several court appearances. In addition, after your case is tried, some charges allow the judge to impose a jail sentence.What are the Costs Associated With a Speeding Ticket?
You may be required to pay fines to the court and fines to Albany. Your insurance rates may be increased and you may be dropped by your insurance carrier. You may be required to take off time from school or work.Can my License be Taken Away From the DMV?
Your privilege to drive can be suspended or revoked for many reasons.How Will a Speeding Ticket Affect my Insurance?
Insurance increases can vary among the many different companies. You can still face an insurance increase even if your ticket does not involve points.
Hire our team of lawyers to fight your speeding ticket or traffic matter and have a former prosecutor on your side. Our lawyers have over twenty-five years of experience and have been rated as "Superb."
Save time . . . in most cases, you won't have to come to court.
Save money . . . in most cases, we can reduce your points and save you on insurance increases.
Call now for a free telephone consultation at (800) 893-9645
We also handle DWI and DWAI, driving with a suspended license, municipal violations, zoning code violations, tax certiorari, severance agreements, sexual harassment, employment discrimination, wages and overtime, retaliation and whistle blowing, employment agreements and restrictive covenants, employment law for employers, and agency resources. Call now at (800) 893-9645.
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After Wisdom Tooth Removal
The removal of impacted teeth is a serious surgical procedure. Post-operative care is very important. Unnecessary pain and complications such as infection and swelling can be minimized if these instructions are followed carefully.
Immediately Following Surgery
- The gauze pad placed over the surgical area should be kept in place for a half hour. After this time, the gauze pad should be removed and discarded.
- Vigorous mouth rinsing and/or touching the wound area following surgery should be avoided. This may initiate bleeding by causing the blood clot that has formed to become dislodged.
- Take the prescribed pain medications as soon as you begin to feel discomfort. This will usually coincide with the local anesthetic becoming diminished.
- Restrict your activities the day of surgery and resume normal activity when you feel comfortable.
- Place ice packs to the sides of your face where surgery was performed. Refer to the section on swelling for a more thorough explanation.
A certain amount of bleeding is to be expected following surgery. Slight bleeding, oozing, or redness in the saliva is not uncommon. Excessive bleeding may be controlled by placing a moistened gauze pad over the area and biting firmly for thirty minutes. Repeat if necessary. If bleeding continues, bite on a moistened black tea bag wrapped in gauze for thirty minutes. The tannic acid in the black tea helps to form a clot by contracting bleeding vessels. If bleeding does not subside, call our office for further instructions.
The swelling that is normally expected is usually proportional to the surgery involved. Swelling around the mouth, cheeks, eyes, and sides of the face is not uncommon. This is the body's normal reaction to surgery and eventual repair. The swelling will not become apparent until the day following surgery and will not reach its maximum until 2-3 days post-operatively. However, the swelling may be minimized by the immediate use of ice packs. Two baggies filled with ice, or ice packs, should be applied to the sides of the face where surgery was performed. The ice packs should be applied as much as tolerated while you are awake. After 36 hours, ice has no beneficial effect. If swelling or jaw stiffness has persisted for several days, there is no cause for alarm. This is a normal reaction to surgery. Thirty-six hours following surgery, the application of moist heat to the sides of the face is beneficial in reducing the size of the swelling.
Dr. Lambert and his staff will instruct you on pain medications that will be prescribed. Pain medications will be tailored to your needs taking into account other medications you may be taking and to your medical conditions.
Narcotic based medications are one group medications that are prescribed. Take the tablets prescribed as directed. The prescribed pain medicine will make you groggy and will slow down your reflexes. Do not drive an automobile or work around machinery. Avoid alcoholic beverages. Pain or discomfort following surgery should subside after several days. If pain persists, it may require attention and you should call the office.
After general anesthetic or IV sedation only liquids should initially be consumed. Drink from a glass and do not use straws. The sucking motion can cause more bleeding by dislodging the blood clot. You may eat anything soft by chewing away from the surgical sites. A high calorie, high protein intake is very important. Our staff can provide suggested diet instructions. Nourishment should be taken regularly. You should prevent dehydration by taking fluids regularly. Your food intake will be limited for the first few days. You should compensate for this by increasing your fluid intake. At least 5-6 glasses of liquid should be taken daily. Try not to miss any meals. You will feel better, have more strength, less discomfort and heal faster if you continue to eat.
CAUTION: If you suddenly sit up or stand from a lying position you may become dizzy. If you are lying down following surgery, make sure you sit up for one minute before standing.
Keep the mouth clean
No rinsing of any kind should be performed until the day following surgery. The day after surgery you should begin rinsing at least 5-6 times a day, especially after eating, with a teaspoon of salt mixed into one cup of warm water.
In some cases, discoloration of the skin follows swelling. The development of black, blue, green, or yellow discoloration is due to blood spreading beneath the tissues. This is a normal post-operative occurrence, which may occur 2-3 days post-operatively. Moist heat applied to the area may speed up the removal of the discoloration.
If you have been placed on antibiotics, take the tablets or liquid as directed. Antibiotics will be given to help prevent infection. Discontinue antibiotic use in the event of a rash or any other unfavorable reaction and contact our office immediately. Call the office if you have any questions.
Nausea and Vomiting
In the event of nausea and/or vomiting following surgery, do not take anything by mouth for at least an hour, including the prescribed medicine. You should then sip on coke, tea, or ginger ale. You should sip slowly over a fifteen-minute period. When the nausea subsides you can begin taking solid foods and the prescribed medicine.
Other Complications
- If numbness of the lip, chin, or tongue occurs there is no cause for alarm. As reviewed in your consultation, this is usually temporary in nature. You should be aware that if your lip or tongue is numb, you could bite it and not feel the sensation. Call Dr. Lambert if you have any questions.
- Slight elevation of temperature immediately following surgery is not uncommon. If the temperature persists, notify the office. Tylenol or ibuprofen should be taken to reduce the fever.
- You should be careful going from the lying down position to standing. You could get light headed from low blood sugar or medications. Before standing up, you should sit for one minute before getting up.
- Occasionally, patients may feel hard projections in the mouth with their tongue. They are not roots; they are the bony walls which supported the tooth. These projections usually smooth out spontaneously. If not, they can be removed by Dr. Lambert.
- If the corners of your mouth are stretched, they may dry out and crack. Your lips should be kept moist with an ointment such as vaseline.
- Sore throats and pain when swallowing are not uncommon. The muscles get swollen. The normal act of swallowing can then become painful. This will subside in 2-3 days.
- Stiffness (Trismus) of the jaw muscles may cause difficulty in opening your mouth for a few days following surgery. This is a normal post-operative event which will resolve in time.
Sutures are placed in the area of surgery to minimize post-operative bleeding and to help healing. Sometimes they become dislodged. This is no cause for alarm. Just remove the suture from your mouth and discard it. The sutures will be removed approximately one week after surgery. The removal of sutures requires no anesthesia or needles. It takes only a minute or so, and there is usually no discomfort associated with this procedure.
The pain and swelling should subside after 2 to 3 days following surgery. If your post-operative pain or swelling worsens or unusual symptoms occur, call our office for instructions.
There will be a void where the tooth was removed. The void will fill in with new tissue gradually over the next month. In the meantime, the area should be kept clean, especially after meals, with salt water rinses or a toothbrush.
Your case is unique, no two mouths are alike. Discuss any problems with the trained experts best able to effectively help you: Dr. Lambert or your family dentist.
Brushing your teeth is okay – just be gentle at the surgical sites.
A dry socket is when the blood clot gets dislodged prematurely from the tooth socket. Symptoms of pain at the surgical site and even pain near the ear may occur 2-3 days following surgery. Call the office if this occurs.
If you are involved in regular exercise, be aware that your normal nourishment intake is reduced. Exercise may weaken you. If you get light headed, stop exercising.


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Welcome to Life Counseling Florida
Life isn't always easy. Sometimes, even the strongest people amongst us need a little bit of help to work through some of life's more challenging problems.
Everyone has battles to fight and hurdles to overcome at some point. Whether you struggle with anxiety, depression, self-esteem, or any other issue, you should know that there is hope for a better tomorrow.
You might be initially hesitant to seek out help and support for personal matters, but when you do, you will feel confident that you are taking a courageous first step towards getting to a better place and being a better you.
My practice specializes in treating individuals, couples and families, and through years of experience, I'm confident that no problem is too great to overcome. Through therapy, there is always a way to address the issues you face and learn coping strategies to help you both right now and in the future.
If you're interested in becoming a better, happier, more fulfilled you, I'd love to work with you every step of the way. Please contact me today!


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Jeremiah 39
Jeremiah 39:1
And it came to pass when Jerusalem was taken, (in the ninth year of Zedekiah king of Judah, in the tenth month, came Nebuchadrezzar king of Babylon and all his army against Jerusalem, and besieged it;
Jeremiah 39:2
in the eleventh year of Zedekiah, in the fourth month, the ninth day of the month, a breach was made in the city,)
Jeremiah 39:3
that all the princes of the king of Babylon came in, and sat in the middle gate, [to wit], Nergal-sharezer, Samgar-nebo, Sarsechim, Rab-saris, Nergal-sharezer, Rab-mag, with all the rest of the princes of the king of Babylon.
Jeremiah 39:4
And it came to pass that, when Zedekiah the king of Judah and all the men of war saw them, then they fled, and went forth out of the city by night, by the way of the king's garden, through the gate betwixt the two walls; and he went out toward the Arabah.
Jeremiah 39:5
But the army of the Chaldeans pursued after them, and overtook Zedekiah in the plains of Jericho: and when they had taken him, they brought him up to Nebuchadrezzar king of Babylon to Riblah in the land of Hamath; and he gave judgment upon him.
Jeremiah 39:6
Then the king of Babylon slew the sons of Zedekiah in Riblah before his eyes: also the king of Babylon slew all the nobles of Judah.
Jeremiah 39:7
Moreover he put out Zedekiah's eyes, and bound him in fetters, to carry him to Babylon.
Jeremiah 39:8
And the Chaldeans burned the king's house, and the houses of the people, with fire, and brake down the walls of Jerusalem.
Jeremiah 39:9
Then Nebuzaradan the captain of the guard carried away captive into Babylon the residue of the people that remained in the city, the deserters also that fell away to him, and the residue of the people that remained.
Jeremiah 39:10
But Nebuzaradan the captain of the guard left of the poor of the people, that had nothing, in the land of Judah, and gave them vineyards and fields at the same time.
Jeremiah 39:11
Now Nebuchadrezzar king of Babylon gave charge concerning Jeremiah to Nebuzaradan the captain of the guard, saying,
Jeremiah 39:12
Take him, and look well to him, and do him no harm; but do unto him even as he shall say unto thee.
Jeremiah 39:13
So Nebuzaradan the captain of the guard sent, and Nebushazban, Rab-saris, and Nergal-sharezer, Rab-mag, and all the chief officers of the king of Babylon;
Jeremiah 39:14
they sent, and took Jeremiah out of the court of the guard, and committed him unto Gedaliah the son of Ahikam, the son of Shaphan, that he should carry him home: so he dwelt among the people.
Jeremiah 39:15
Now the word of Jehovah came unto Jeremiah, while he was shut up in the court of the guard, saying,
Jeremiah 39:16
Go, and speak to Ebed-melech the Ethiopian, saying, Thus saith Jehovah of hosts, the God of Israel: Behold, I will bring my words upon this city for evil, and not for good; and they shall be accomplished before thee in that day.
Jeremiah 39:17
But I will deliver thee in that day, saith Jehovah; and thou shalt not be given into the hand of the men of whom thou art afraid.
Jeremiah 39:18
For I will surely save thee, and thou shalt not fall by the sword, but thy life shall be for a prey unto thee; because thou hast put thy trust in me, saith Jehovah.


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Customer privacy notice
At Digby Associates Ltd we respect your privacy and the confidentiality of your personal information.
Who are we?
Digby Associates Ltd is an appointed representative of Quilter Financial Planning Solutions Limited
who is part of the Quilter Group of companies.
For further details on the companies in our group, please visit www.quilter.com/about-us/our-brands
This Privacy Notice explains:
- Who we are
- What personal information we collect
- How we use your personal information
- Who we share your information with and why
- How we keep your information secure
- Your rights
- How to contact us
Who we are
Digby Associates Ltd provide financial planning solutions and advice through experienced and qualified advisers based in the UK.
Currently, Digby Associates Ltd and Quilter Financial Planning (Quilter) jointly determine the purposes and means of processing personal client data relating to giving advice. This means we're joint data controllers for these core advice giving activities and therefore responsible for managing this client data and ensuring compliance.
However, Digby Associates Ltd is solely responsible for some activities, for example any direct marketing that we undertake.
What personal information we collect
Personal information includes your name, address, or phone number and other information that isn't otherwise publicly available. We collect personal information about you when you contact us about products and services, visit a financial advisor, visit a website we may have or register to
receive one of our newsletters (if applicable).
The type of personal information we collect will depend on the purpose for which it is collected and includes:
- Contact details
- Information to verify your identity
- Family, lifestyle, health and financial information
- Payment details
We collect personal information directly from you. For example, we ask for personal information at the start of our relationship and in subsequent communications, in order to check your identity and protect you from fraud. This is a legal requirement and is important to help safeguard you against potential crime.
In some instances, it is necessary to collect more sensitive information (such as health or lifestyle information) which is called special category data. This is to allow us to provide our financial advice service to you. We will always obtain your consent during the advice process to gather this data and explain what information we require and why it is needed. Sensitive personal information will always be processed and stored securely. You can withdraw your consent at any time to us processing this data, however, this may mean that you can no longer access the service or product the information was gathered for.
We also collect information about you from other sources. For example, our website automatically collects information from your computer using "cookies" which provides us with limited personal information. Cookies are small text files that are placed on your computer by websites that you visit. They're widely used in order to make websites work, or work more efficiently, as well as to provide information to the website owners. For further information visit www.aboutcookies.org or www.allaboutcookies.org.
You can set your browser not to accept cookies and the above websites tell you how to remove cookies from your browser. However, in a few cases, some of our website features may not function as a result.
Data retention
We keep your personal information only as long as is necessary for the purpose for which it was collected and to meet regulatory or legislative requirements.
Advice data is retained for 50 years to meet our regulatory requirements.
Personal information will be securely disposed of when it's no longer required, in accordance with our Data Retention and Disposal Schedule. A copy of this is available using the contact details below.
On what basis do we collect data?
The processing of your personal data is allowed under a number of lawful bases. The data required for the provision of products and services is processed on the basis there's a contract with you to do so. Any relevant marketing activity we undertake is done because, as a firm, we have a legitimate interest to do so. However, you have rights, as listed below, which impact how we can use and process your data.
How we use your personal information
We process your information in order to support and maintain our contractual relationship with you and to comply with legal and regulatory requirements. This includes the following:
- Providing our advice, products or services to you
- Carrying out transactions you have requested
- Confirming and verifying your identity for security purposes
- Credit scoring and assessment, and credit management (where applicable)
- Detecting and preventing fraud, crime, money laundering or other malpractice.
To investigate any complaint or enquiry raised in regards to your adviser or the advice given
We also process your data for specific business purposes to enable us to give you the best products and services and the best and most secure experience. For example, we process your information to send you marketing that is tailored to your interests.
Our business purposes include the following:
- Enhancing, modifying, and personalising our services for the benefit of our customers
- Providing communications which we think will be of interest to you
- Market or customer satisfaction research or statistical analysis
- Audit and record keeping purposes
- Enhancing the security of our network and information systems.
- Supporting the testing and maintenance of systems
You have the right to object to this processing if you wish, please see "YOUR RIGHTS" section below. Please bear in mind that if you object this may affect our ability to carry out the tasks above for your benefit.
We may also process your personal data as part of an acquisition or sale. Should this happen, you will be notified about any change to processing or data controller arising as a result of this activity.
Who we share your information with and why
We share your information with trusted third parties who perform tasks for us and help us to provide the services you require these include:
- Quilter Financial Planning Limited;
- Other adviser firms in the network for the purpose of providing you with advice (with your Consent);
- The Quilter Group of companies to enhance the services and products we can offer you;
- Third parties to verify your identity, in line with money laundering or other requirements (this may involve carrying out checks with credit reference databases);
- Third parties who perform tasks for us to help us set up or service your plan (these third parties may be based in countries outside the UK but where they are, we'll undertake an assessment of safeguards in place);
- Other organisations, including regulatory bodies, the police and fraud prevention agencies, to prevent and detect fraud;
- Third parties where required by law, court order or regulation; and
- Third parties as part of an acquisition or sale.
- The Quilter group or third parties for assurance or audit purpose
How we keep your information secure
We're committed to ensuring the confidentiality of the personal information that we hold and we continue to review our security controls and related policies and procedures to ensure that your personal information remains secure.
When we contract with third parties, we impose appropriate security, privacy and confidentiality obligations on them to ensure that personal information is kept secure.
If we work with third parties in countries outside the UK, we ensure these are countries that the European Commission has confirmed have an adequate level of protection for personal information, or the organisation receiving the personal data has provided adequate safeguards.
In limited circumstances, data may be accessed outside of the UK i.e. by employees when they travel. In these circumstances, we ensure there are appropriate information security measures in place to safeguard your information.
Basic identifiers about you (e.g. your name and address) is matched with information from Experian Marketing Services to create demographics and infer customer 'types' so that Quilter Financial Planning and the Quilter group of companies can define groups based on factors like interests, age, location and more. This helps Quilter Financial Planning and the Quilter group of companies better understand our customers in order to adapt and improve our products and services.
If you would like to know more about the information we receive from Experian Marketing Services, you can visit their website (www.experian.co.uk/privacy/consumer-information-portal) which explains who Experian Marketing Services are, what they do and why.
Your rights
Digby Associates Ltd tries to be as open as it can be in terms of giving people access to their personal information and therefore have outlined your rights below. This privacy notice was drafted with brevity and clarity in mind, therefore further information can be gathered by contacting us using the details below, or more information about your data protection rights can be found here: https://ico.org.uk/for-organisations/guide-to-the-general-data-protection-regulation-gdpr/individual-rights/
You have the right to opt out of receiving marketing information and tell us what your communication preferences are by contacting Quilter Financial Planning using the details provided at the end of this notice or by using the opt out option below or on any email marketing. You may opt out at any time if you don't want to receive any further communications of this nature.
Individual data rights and requests
- The right to be informed – You can request that we provide 'fair processing information', typically through this privacy notice;
- The right of access – You may request a copy of the personal information we hold about you using the contact details found on the end of this privacy notice;
- The right to rectification – The accuracy of your personal information is important to us. You have the right to ask us to update or correct your personal information;
- The right to erasure – You may request the deletion or removal of personal data where there's no compelling reason for its continued processing;
- The right to object – You may object to the processing of your data based on legitimate interests;
- The right to restrict processing – You have a right to request we 'block' or suppress processing of your personal data;
- The right to data portability – You may request to obtain and reuse your data; and
- The right not to be subject to automated decision-making including profiling.
If you wish to correct, restrict, delete or make changes to your personal information, or any of the data subject rights listed above, please contact us at the address or email listed below.
How to contact us
If you have questions about this notice, need further information about our privacy practices, or wish to give or withdraw consent, exercise preferences or correct your personal information, please contact us using the following details. Quilter will liaise with Digby Associates Ltd on your behalf to effect your requests.
The Office of Data Protection
Quilter Financial Planning Limited
Senator House
85 Queen Victoria Street
London EC4V 4AB
How to complain
If you wish to raise a complaint about how we have handled your personal data, you can contact The Office of Data Protection who'll investigate the matter.
If you're not satisfied with our response, or believe we're not processing your personal data in accordance with the law, you can complain to our regulator:
Information Governance Department
Information Commissioner's Office
Wycliffe House
Water Lane
0303 123 1113