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This summer, the most comprehensive overhaul of the financial services industry since the Great Depression was signed into law: the Dodd-Frank Wall Street Reform and Consumer Protection Act. Passage of the Act was just the beginning, though, as many of the implementation details must still be ironed out by regulators. But at first glance, the Act appears to be a mixed bag for community banks, with some potential benefits and some drawbacks. Following is a look at some key provisions of the Act and how they may affect community banks.
Increased regulatory burden – The Act will create an estimated 5,000 pages of new regulatory rules banks must follow, including at least 290 new rule makings, 27 new regulatory burdens, 60 additional studies and 90 new reports.
For example, there are new disclosure/reporting requirements related to business accounts, new Home Mortgage Disclosure Act (HMDA) reporting obligations, and new provisions that will make it harder for banks to move loans off their books. Also, banks must ascertain upfront whether small business loan applicants are women or minority-owned, and follow new rules designed to discourage discrimination based on gender, race or ethnicity.
While the intent of such rules and requirements is laudable, they will inevitably result in higher bank costs. For example, banks may have to hire additional employees just to make sure they remain compliant. This will likely be more harmful to community banks, whose costs will increase disproportionately in comparison to larger banks that benefit from economies of scale.
Creation of the Consumer Financial Protection Bureau (CFPB) – This is the new federal agency charged with protecting consumers' financial interests. The CFPB will have the power to regulate a wide range of financial products and services, including mortgages, credit cards and other bank products.
The good news for community banks is examinations for banks with less than $10 billion in assets will still be conducted by their primary regulator — the CFPB will not supersede this authority. However, the agency will have wide discretion in deciding what constitutes "unfair, deceptive or abusive" business practices, as stated in the Act. Since community banks often serve small niche customers, this may make it more difficult for them to tweak underwriting requirements to meet their customers' unique needs.
Regulation of debit card interchange fees –The Act limits how much banks can charge merchants for processing debit card transactions (or interchange fees). Along with insufficient funds (or NSF) charges, such fees are a large source of income for most banks and enable them to offer other transactions and services (like online banking) for free.
It's estimated that this provision may potentially reduce interchange fee income by up to 50 percent, forcing banks to compensate by eliminating or charging for services that are currently offered for free. A silver lining is that banks with less than $10 billion in assets are exempted from these limits. In reality, though, many experts say community banks may be forced to lower their interchange fees in order to compete with larger banks for merchant card processing business.
Change in FDIC insurance assessment base – The FDIC insurance assessment will be calculated based on total assets instead of total deposits, lowering premium expenses for most community banks. However, Federal Home Loan Bank (FHLB) advances are now subject to FDIC assessments.
The big unknown is whether this provision will intensify deposit competition and raise deposit pricing by large banks. An estimated 5 basis-point increase in deposit rates could negate any "static" premium savings for community banks.
Change in FDIC insurance reserves – These changes include an increase in the minimum reserve ratio from 1.15 percent to 1.35 percent of insured deposits. Banks with less than $10 billion in assets are not required to plug the current shortfall for meeting the new minimum until 2020, but after that date, all banks must contribute toward the new 1.35 percent minimum, regardless of size. Larger banks, meanwhile, will need to pay an incremental deposit insurance premium to help fund the current shortfall.
Also, the 1.5 percent hard cap on the deposit insurance fund has been eliminated, giving the FDIC unrestricted authority to increase the ratio. Many experts believe this could lead to even higher premium increases after 2020.
Increase in FDIC deposit insurance limit – This limit is increased to $250,000 per insured individual account. Also, the Transaction Account Guarantee (or TAG) program provides full deposit insurance coverage for noninterest-bearing transaction accounts for two years beginning on December 31, 2010.
"Allowing the TAG program to expire in this environment could cause a number of community banks — already under stress — to experience deposit withdrawals from their large transaction accounts, and would risk needless liquidity failures," said FDIC Chairman Sheila Bair in announcing the extension.
The unknown here is how much assessments will have to increase to account for the expected growth in insured deposits. Higher levels of insured deposits will raise the deposit basis for determining how much funding is needed to meet the higher reserve ratio requirements.
Impact on capital standards – Before the final legislation was passed, there was concern that community banks would not be allowed to count Trust Preferred securities as part of their Tier One capital, which could send them below mandatory capital levels. But the final legislation allows banks with less than $15 billion in assets to continue to count existing Trust Preferred securities as capital.
However, new Trust Preferred offerings are not acceptable as regulatory capital. The result will be one less source of available capital at a time when community banks will be under increased pressure to raise more capital. Some experts say this could result in more community bank mergers, downsizings and, ultimately, failures.
Higher standard for federal preemption – Federally chartered banks have been able to sell products based on standards established by federal regulators. Under the new law, however, these banks will have to meet state consumer protection laws in all states in which they operate. This could lead to higher fees in order to make up for additional compliance costs required to sell these products.
Call us with your questions about the potential impact of financial reform on your bank.


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Forbes Africa, the continent's cheerful international business publication localised for the African executive, is inviting its readers and social media audience to help narrow down a shortlist for the 2013 Person of the Year, due to take place in Nairobi, Kenyan, at the end of November 2013.
The Person of the Year Awards has, since its inception two years ago, attracted the highest calibre of nominees from across the continent.
The awards celebrate 'the individual who, for better or worse, has had the most influence on events of the year gone by'.
Forbes Africa said it has welcomed the participation of the public in what is fast becoming one of the most momentous and anticipated annual events in Africa.
Forbes Africa editor Chris Bishop said: "Every year, people across Africa look forward to the Forbes Africa Person of the Year Awards.
"We think this year will be no different. The great thing for me as a journalist is that people have a chance to nominate and vote for the Person of the Year online, which always creates excitement and interaction with our growing army of readers."
Forbes Africa Person of The Year 2012's five finalists included Aliko Dangote (founder and president, Dangote Group), James Mwangi (CEO and MD of Equity Bank, Kenya), Tony Elumelu (founder and chairperson, Heirs Holdings and Tony Elumelu Foundation), Joyce Banda (President of Malawi) and Steven Saad (co-founder, Aspen Pharmaceuticals).
Mwangi, who emerged as the winner, declared afterwards: "All Africans should brace up and take up the challenge of improving Africa as our generation could go into history as those that changed the African continent for good.
Following suggestions from the public, the top five most voted for candidates will be posted online in a poll and comprise a portion of what will be the judges of the Person of the Year Awards' final decision.
To nominate who you think should be Person of the Year 2013, please email Forbes Africa at firstname.lastname@example.com with the name of who you think should be Person of The Year in the subject line with a 50-100 word motivation. Nominations close on 30 September.
(Issued by Forbes Africa)
Photo: James Mwangi, Forbes Africa Person of Year 2012. Credit: Erik Hersman

subset: commoncrawl


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€ 399,00
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Curious how the Versapers slowjuicer works? Slow and yet fast.
All about slowjuicing
Over 100 dealers in NL and BE.
Find the closest one here!
How do you get high quality juice from fruits and vegetables?
Watch the videos.
The best recipes to make fresh juice yourself.
Now also from culinary adventurer René Pluijm!
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Versapers is a Ducht brand specialised in slowjuicers. With a slowjuicer you can make fresh juice from fruits and vegetables. Because the juice is squeezed slowly, vitamins and minerals remain intact. Also hardly any extra oxygen will mix with the juice, which allows your juice to last longer.
Versapers wants to make healthy life attractive. For five years, we deliver the most appreciated slowjuicers of the Netherlands in various models. We stand for service, inspiration and a competitive price/quality. Versapers is an excellent solid juicer that provides years of enjoyment.


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Country collections from Gustamps
Gustamps Stamp Valuations Guide Page
Gustamps stamp offers
Gustamps directory page
Chit chat page from Gustamps
Stamp Info for Stamp Collectors from Gustamps
Gustamps Golden Rules - The Do's and Dont's of Stamp Collecting
Free Stamps and F.D.C.s from Gustamps
Hot up to the minute news about Gustamps
Updated information regarding parking near Gustamps Brighton
Latest news from Gustamps
Very latest info from Gustamps
Directories Gustamps
Philatelic terms explained by Gustamps simply
What's happening at Gustamps
Stamp Info for Stamp Collectors from Gustamps
Heligoland Info from Gustamps
Ivan wanted info about Heligoland stamps from Gustamps.
Discovering Gustamps online, Ivan told Gustamps his Dad had several Heligoland stamps. Ivan wanted info from Gustamps about them and asked Gustamps why they had Queen Victoria's head on them. Ivan told Gustamps, "I'm sure Heligoland is part of Germany." Gustamps reply to Ivan was of course he was correct in saying Herligoland is part of Germany. Gustamps said that in fact it was an island off the north coast of Germany. Gustamps said that the first stamps of Heligoland depicted the head of Queen Victoria or the arms of Heligoland. Gustamps added that they were issued between 1867 and 1875. Gustamps told Ivan that Heligoland was ceded by Great Britain to Germany in 1890. Gustamps said after 1890 German stamps were used there. Gustamps told Ivan that original Heligoland stamps are quite valuable, however Ivan was warned by Gustamps that many stamps were reprinted in Berlin and Hamburg.
Gustamps told Ivan that these reprinted stamps were of much less value than the originals. Gustamps thanked Ivan Kruger for his queestion and thanked him for letting Gustamps publish it.
Mr Kruger's Second Question
Thanking Gustamps for the Info about Heligoland, Ivan asked Gustamps for an extra bit of Info. Ivan asked Gustamps "Could Gustamps tell me if there is anything more recent to do with Heligoland which could be added to my Dad's collection. Gustamps answer to Ivan Kruger's second question was "yes, a special cover was issued in 2014 for the centenary of the battle of Heligoland." Gustamps told Ivan that the cover commemorated the first naval battle of World War One. Gustamps added "This was the first British Naval Victory of WWI." Explaining to Mr Kruger, Gustamps said "The German Cruiser S.M.S. Coln was sunk in the battle of Heligoland by British Cruisers." Gustamps said that "three German light cruisers and one destroyer were sunk." Gustamps recommended the cover to Mr Kruger and said it was available from Gustamps. Thanks again to Mr Ivan Kruger for his second question and letting Gustamps have the opportunity to publish it for the benefit of other readers.
Gustamps and the Victorian Schoolmaster
Sarah contacted Gustamps for some historical info about stamps. Sarah said she had read about the Victorian lady who had decorated her walls with British 1d Black and 2d Blue stamps - the first British stamps ever issued in 1840 on Gustamps wordpress pages. Now Gustamps was asked by Sarah, "who was the first person to promote stamp collecting as a hobby?" Gustamps congratulated Sarah on her most interesting question. Gustamps said to Sarah that the truth is that no one can be sure, however said Gustamps "many people think it might have been a schoolmaster in Belgium in the early 1850s." Gustamps explained that the schoolmaster encouraged his pupils to collect foreign postage stamps.
Gustamps said his idea was that they might become more interested in geography.
Gustamps told Sarah "it is understood that the schoolmaster told them to decorate their atlases with the stamps. Gustamps said that the habit became popular with children in other schools and helped the hobby grow." Gustamps sent Sarah a mini atlas adorned with stamps as a free gift to keep as a souvenir.
Thanks to Sarah Perlis for her info request from Gustamps. Gustamps also thanks Sarah for allowing Gustamps to publish it together with Gustamps reply for other stamp collectors to read.


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Haathi Mere Saathi first look: Rana Daggubati looks like a fierce protector in this trilingual
You can certainly term Rana Daggubati as the most impressing personality of 2017 for the challenging experiments he carried out with his looks as well as films he appeared in.
After establishing his status as an international star with the grand success of Baahubali 2: The Conclusion and making the audience say wow! with Nene Raju Nene Mantri, the versatile actor is back on screen as Bandev in his trilingual movie Haathi Mere Saathi.
Rana, on the New Year's Day, revealed the first look of his film. With a giant elephant in the backdrop, Rana seems to be a tiger protecting his friend as he stands right in front of the elephant, giving a rugged look.
Entering the new year with a great new story to tell. Introducing #Bandev from #HaathiMereSaathi #HaathiMereSaathiFL pic.twitter.com/7jITiEc82K
— Rana Daggubati (@RanaDaggubati) December 31, 2017
Daggubati would be seen paying tribute to legendary Bollywood actor Rajesh Khanna and his superhit film which has won million hearts ever since its release in 1971. The interesting part is the new one will not be a complete remake of the original masterpiece, rather would borrow inspirations from Haathi Mere Saathi and is believed to be based on real life incidents.
The team will start shooting for the film in Thailand soon and will also be shot in a few select locations in India. The trilingual film is expected to release on Diwali this year.
The Rana starrer is reported to be enriched with VFX and will mark the Hindi cinema debut of Tamil director Prabhu Solomon. Before this movie, Rana would appear in Telugu film 1945 . Touted to be a period movie, it will go on floors in mid-2018. He is also gearing up for his next royal outing and this time, he will be stepping into the shoes of Anizham Thirunal Marthanda Varma, the most celebrated ruler of Travancore.
Updated Date: Jan 02, 2018 12:41:38 IST


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An engineering intramural is a problem-based engineering activity that provides a real world learning experience for students. We invite industry partners, community organizations and faculty/staff/students to submit problems for consideration.
Problems can represent broad domains and result in outcomes like requirements specification and competitive benchmarking, brainstorming and conceptual models, proposal of design concepts and supporting analysis, and/or design-and-build of a prototype.
Since intramurals are voluntary appointments, the following requirements and constraints should be observed:
Submit your intramural project ideas for review, or contact Dr. Andrew Olewnik, Director of Experiential Learning, to discuss further.


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School college students are among the many prime groups that are identified to be keen on traveling and in most cases, winter holidays are one of the best vacation time for them, they usually always search for places to visit for that long trip. Nonetheless quite unknown to many travelers, who prefer the sunny beaches of Thailand's southern islands, Chiang Mai has a lot to offer and it appears to draw individuals who wish to keep away from the excessive end tourism of Southern Thailand, together with many solo travelers on their personal journey of discovery. CSA is a company that can weigh out the risks of the insurance coverage and balance it with the cost of the insurance coverage.
Most significantly, the medical insurance coverage policy have to be provided by a Canadian company. Due to this fact, simply consult a travel agent and open your coronary heart to embrace the whole world, go the furthest you possibly can, unveil the intense you may and live the most you want. The monsoon which comes to Arizona is nothing like the one that drenches India, for example (In fact, Arizona's is quite marginal, dumping an average of 2.forty five inches of rain in three months), and is the result of … Travel More


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Hi there Guest! You should join our Minecraft server @ meepcraft.com
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text: Gallery Kie 27_04_2018 No Comments 共有:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window)Click to share on Google+ (Opens in new window) Related ← CIRCUS Kaleidoscopic Girls → Leave a Reply Cancel reply Your email address will not be published. Required fields are marked *Comment Name * Email * Website Notify me of follow-up comments by email. Notify me of new posts by email.


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Bedroom: Platform Beds, Bunk Beds, Day Beds and Murphy Cabinet Beds
Shop a huge variety of bedrooms that includes hundreds of bedrooms & bedroom sets for sale at awesome low prices! Our comprehensive collection of bedroom furniture includes modern style bedrooms as well as contemporary and traditional bedrooms. Our bedroom furniture comes in all sizes including full or double, queen size, and king size as well as california king size bedrooms & bedroom sets. We also make sure to carry bedroom furniture of all types including resilient wood bedroom furniture, pinewood, oak, metal, and others.
Also, shop our bedroom sets that come with items such as bedroom frames, mattress sets, nightstands, mirror stands, drawers, chests, and more! Don't forget that we offer fast shipping and nationwide delivery anywhere in the United States so don't wait to order you beautiful new bedroom or bedroom set and transform your room into a den of style & comfort all the while saving huge!


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La Ferrata del Pizzo d'Uccello
Walking in the Apuan Alps in springtime
Although this pathway presents quite a slope, this route is one of the most spectacular trails in the Apuane and you can admire the Pizzo d'Uccello, called the 'Matterhorn of the Apuan Alps'. The route starts at Equi Terme (250m), a town famous for its sulphur springs and for its spas. In Equi there are two important caves: the Equi Tecchio and Buca di Equi. When you reach a metal bar at an altitude of about 400 meters, you can leave your car and walk uphill along an old route where blocks of marble were transported downstream. Marble transporters used animals and logs that they would rub with soap to make the blocks slide.
As you follow the lush trail, you'll pass by buildings in the quarry known as the House of Old Machinery. From there, you'll find a trail which cuts diagonally across the wooded slopes. From here, you'll find the 190 'D. Zaccagna' path leading up to the Nattapiana crest and the Foce di Lizzari, 1250m. The trail becomes level and reaches a point where you'll have a good view of the Garnerone crest and the summit of Monte Sagro. Our route then follows path N.191 'M. Piotti' which brings us to the Foce di Giovo, a region full of green meadows.
Here, you can enjoy an excellent view of surrounding valleys and mountains such as Monte Pisanino, Monte Cavallo, Monte Contrario. Without risk and with little effort, you can reach the summit of Pizzo d'Uccello (1781 m) from the Foce di Giovo. To return, you must pass over the Foce del Giovetti and go towards the crest of Capradossa. Shortly afterward, the 'Tordini Gallicani' path will bring you up to the slopes of the mountain, eventually leading you to a trail that runs alongside the 'Casa dei Vecchi Macchinari' (House of Old Machinery) and finally reaches Solco of Equi.


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iPhone 4S Deals: Apple's Features Packed Smartphone
Apple iPhone 4S has powerful processor that makes it fully loaded device to run all the applications you want. For full entertainment and productive work Apple has bestowed iPhone 4S with their advanced operating system. iPhone 4S is a premium device that packs voguish features within the attractive glass and aluminium coated sleek casing. However this Apple device boasts many impressive features, we would discuss about the main attractions that make this phone a unique mobile device.
Twin antenna
After the antenna issue in iPhone 4 Apple has used twin antenna while manufacturing their new smartphone. The purpose of these antennas is to catch best possible signals always. Thus, iPhone 4s automatically switches between two antennas to catch better signals when one is not giving you satisfying reception. Whether you put iPhone 4S in pocket or bag, with better signal reception it will work actively. Thus iPhone 4S offers you up to 14.4 MB per second network fast downloading and up to 5.6 MB per second uploading speed. It is faster 3G network connectivity in comparison of iPhone 4, which could be because of enhanced processing and network signal both.
Dual core A5 chipset
Apple has used a powerful system on chip to enhance the iPhone 4S computing and graphics performance. This chipset contains dual core context A9 CPU and dual core PowerVR SGX543 MP2 GPU that plays a major role in making iPhone 4S quick and smart. Along with this system iPhone 4S packs a 512 MB of RAM that is useful to store system files of Apple's iOS apps. Because of such configuration iPhone 4S is well equipped to load graphics rich games, heavy web pages and iOS apps smoothly. Thus you enjoy more multimedia, work on more complex documents, download big email attachment on iPhone 4S.
iOS 5
Apple offered innovative software along with new iPhone 4S which cannot be installed any other Apple device. If you've been using upgraded iPad 2 you would know about 200 new features of iOS 5. But iPhone 4S offer you something more than just an operating system. Apple has integrated their iOS 5 with Siri for iPhone 4S users. Siri is a virtually intelligent personal assistant for iPhone 4S users. This software is still improving and its full version is to be released with updated iOS 6. However, in its current stage it gives you a good overview about its capabilities. iPhone 4S users can use all iOS 5 features with their voice command which includes, web surfing, playing music, setting reminders, typing messages and more.
High resolution 8 mega pixel camera of iPhone 4S is much advanced with Apple's iSight features like wider five-optics lens and hybrid infrared filter, which allows you to capture more light and better colours while capturing images or 1080p full HD video. Rich software has also improved iPhone 4S camera with BSI sensor, tap to focus and pinch to zoom, HDR and other photo enhancing tools.
Michal Thomas is a famous content writer in the UK. To get more information on iPhone 4S Deals Visit at www.whichiphone.org.uk
Author: michalthomasThis author has published 18 press releases so far. More info about the author is coming soon.


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Apartment Casa Davarda (VIG713)
up to 4 persons
3 rooms
2 bedrooms
2 bathrooms
Distance to centre 800 m
Distance to ski / mountain lift 4 km
Balcony / Terrace / Patio
Baby cot
Non smoking
Accommodation alert
apartment, 4 people, 3 room/s, 2 bedroom/s, 2 bathroom/s, approx. 60 m², 1 floor/s, apartment on floor 2. Please note: Non-smoking house. Owner lives at floor 1. Feature: Property in a multi-family housing (5 units in total). Furnishing: pleasing, with much wood, tiled floor, laminate floor. Equipment: satellite TV; internet access Wi-Fi (included); oil central heating; wood/coal central heating. Room layout: Living room: sofa, exit to balcony. Dining area: in the living room. Kitchenette: in the living room, sofa. Kitchen/ cooking equipment: 3 gas rings, microwave oven, dish-washer, refrigerator, coffee machine, water boiler, toaster. Bedroom 1: double bed, exit to balcony. Additional information: direct access to sanitary no 1. Bedroom 2(roof pitch): 2 x single bed (0.80 m wide), sleeping chair as supplementary bed (see extra charges), 1 x single bed (0.80 m wide) as supplementary bed (see extra charges). Sanitary 1(access from one bedroom only): shower, WC. Sanitary 2: shower, WC.
Local service charges
€ 30 per person and week (depending on occupancy). Final cleaning by tenants or against payment, € 40. Holiday resort tax. Linen/towels Bed linen available. Towels must be brought along. Towels available on loan, € 8 per person/change (on order). Deposit € 150 (in cash). Extra bed 2x available, € 12 per day (on order). Cot € 4 per day (on request). Pet not allowed.House/Residence
Situation: hillside location, view of Sasso Lungo, Catinaccio. Access/parking: snow chains may be necessary. parking on the estate. Infrastructure: Ski storage room (ski boot dryer). Exterior (private use): Plot description: balcony, further balcony. ● Distances: Center Vigo di Fassa in approx. 800 m. Pozza di Fassa in approx. 3.1 km. Bolzano in approx. 39 km. Next shopping possibility (Vigo di Fassa) in approx. 800 m. Airport Innsbruck in approx. 152 km. Airport Verona in approx. 190 km. Ski run Ciampedie in approx. 950 m. Buffaure in approx. 4 km.
Check availability and book
Click on your desired arrival date in the calendar and select the duration of your stay using the drop down menu. It takes less than two minutes to make your reservation online.
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Customer reviews - Apartment Casa Davarda (VIG713)
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Spring Update 2018
We've now had the first modern Spring Statement from the Chancellor. And to be honest it didn't really set our hearts racing, as it was, as expected, primarily a response to the Office of Budget Responsibility economic forecasts.
Here, in our Spring Update, we take look at some of the changes to tax legislation that will come into effect with the advent of the upcoming tax year 2018/19 and some of the, few and far between, announcements made in the Spring Statement.
Late payments consultation
The Chancellor announced a multitude of consultations to come, but the most pertinent for small businesses would have to be a consultation on how to end the scourge of late payments for firms.
With some 50,000 companies closing down last year due to late payments, and the cashflow issues it brings, it's an important step to ensure a level playing field for all businesses.
Business rates revaluation
We've just come through our first revaluation for seven years in 2017, seeing large increases in rates payable for many businesses. To mitigate this the next will take place in 2021, with them pencilled in every three years moving forward.
Tax allowances and exemptions
Not only is the personal allowance going up for everyone by £350 to £11,850, the coming tax year sees an increase in the annual exemption from capital gains. This will sit at £11,700, up £400 from 2017/18.
Buy-to-let mortgage relief
As started in the tax year just completed, there will be a continuation in the reduction of relief available to buy-to-let landlords for interest repayments on their mortgages. The previous system allowed landlords to deduct all interest and other allowable costs before calculating their liability.
This could mean that some landlords who currently enjoy a small net profit may, after tax, see negative cashflow as a result. By 2020, tax relief for finance costs will be restricted to the basic rate of income tax, currently at 20%.
Dividend allowance
The tapering down of dividend allowances continues apace with the amount at 40% of 2017/18. It will sit at £2,000. This could impact your position if you expect to extract profits from your company. Now, there are ways to manage this in a tax efficient manner, and one way means you can save tax twice, find out more here.
National Living Wage and National Minimum Wage
Previously the change in rate of the National Minimum Wage was in October, but now with the Autumn Budget in situ, the changes come into effect in line with the new tax year. Please see below for the current and incoming basic rates of NLW and NMW.
Employer pension contributions
This year sees the minimum total contribution of qualifying earnings rise to 5%. This applies as a total of both the employer and employee contributions. If the employer is planning on maintaining the minimum contribution, up from 1% to 2%, the shortfall must be made up by the member of staff, 3%.
If you are planning on rewarding your employees with a rate of 5%, they will not need to up or make a contribution.
Inheritance tax planning
While the total allowance for Inheritance Tax still remains solid at £325,000, the additional Residence Nil Rate Band (RNRB), which applies when a residence is passed to a direct descendent, is set at £125,000 for the coming tax year. And, just like your IHT allowance, it can be transferred to a surviving spouse or civil partner.
In addition to the important late payment consultation, the Chancellor also announced the Treasury will consult on the following:
We like our clients, and our clients like us. We're only a phone call away, so the information you need is always close at hand. We don't even charge for the call. No surprises and no extra charges. Just good advice.


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The No-Nonsense Guide to Making Money From Blogging
So you want to make money from blogging eh? Well read on…
Blogging is one of the most popular ways of making real money on the internet today. There are thousands of amateur writers all over the world with a passion for any number of subjects and the desire to share their knowledge with the rest of the world.
The great thing about starting a blog is that you don't need to have an expensive website or a team of staff to write your articles. You can begin writing from the comfort of your own home, in your spare time and have a great looking blog up and running within a few hours. It doesn't even cost that much, and there's an entire online community of fellow bloggers waiting to answer any questions you might have. Below are some tips for starting your own blog and making it a success.
- Create a free blog
To start your career as a blogger, you first need to decide on a platform and build content onto it. There are several blogging platforms out there but if you're in the least bit serious about making money from a blog then I recommend you use WordPress. The actual WordPress software is free but you'll have to pay a domain provider to register the name you've chosen for your blog, and you'll have to pay a hosting company to host your blog on their servers.
My own blog FinanceFanatics.com is hosted by Siteground, who I've found to have excellent customer support services. I guarantee that if you've never started a blog before then you'll have a lot of technical questions when your first start out, so choosing a hosting provider that can answer your queries promptly is of the utmost importance.
Once your domain name is registered you can request your hosting company to install WordPress for you. At that point the framework for your blog is complete but the real work is just beginning…
- Write and post articles
This is the nuts and bolts of your online blogging presence. Content is everything with a blog and not only must you write well presented, insightful and entertaining posts, but you must keep writing them on a regular basis. You have to focus on a particular niche and be fully conversant with that niche before you start writing. It's no good deciding one day to write about Football when you know absolutely nothing about the subject, because your readers will see through you instantly and move onto something else.
You can write and post articles on a daily basis but try not to exhaust the extent of your knowledge within the first few weeks. You want to entertain your followers but you also want to keep them coming back for new content. If you start regurgitating the same old ideas then you'll find that your fan base diminishes very quickly. But most importantly, you have to make sure you write quality content that will keep readers coming back time and time again.
- Monetise the blog
Now this is the important bit! It's all very well having a great blog with loads of followers, but if you're not earning anything from it then at the very least you'll be losing money from hosting and domain fees. There are several ways of monetising your platform.
You can use advertising programs such as Google Adsense which direct advertising content onto your blog which is controlled by Google. The idea is that readers will see these ads, click on them, and you'll make money from each click. The reality is that the amount you make from each click is minuscule, so unless you have a huge following you won't make any decent returns.
The second negative is that you lose control of the adverts that are displayed on your website as you're handing control over to Google. I recommend you do some research on the internet and speak to some fellow bloggers before you decide to go down this route.
Make even more money blogging through affiliate schemes
You can also use several affiliate programs that are widely advertised throughout the internet. Affiliate programs allow you to sign up and then place a banner or some other advertisement onto your blog that directs readers back to the affiliate company. If the reader then goes on to make a purchase you'll earn a percentage of the money that the reader has spent.
Affiliate marketing can be very lucrative if done right, and probably one of the best to work with is Amazon. They have their own affiliate marketing program which is easy to set up and provides you with a wide selection of pre-configured ads that require no prior knowledge of HTML. You simply cut and paste the code they provide into a widget somewhere on your site and wait for the first payment to come rolling in. Do a search for Amazon affiliates and take a read of their FAQs, where they explain the entire process to you.
Another option for making money with your blog is to sell your personal products on the site. Most likely your blog will revolve around you providing information to your readers about your chosen niche via a series of articles. It makes sense therefore to take this one step further and collate all your articles into an eBook. It's actually not as difficult as it sounds, and yet again Amazon leads the pack when it comes to publishing your own eBooks.
The great thing about having a blog is that you can then cross promote your book via the blog, and your blog via the book. If you've got great content then your readers will likely head on over to the other platform to check out the rest of your content.
- Promote your blog regularly
This really can't be stressed enough, but if you want your blog to become a big success then you need to promote it regularly. It's actually quite easy to do so these days with such prolific social sharing sites as Facebook and Twitter within a few mouse clicks away.
Initially you should set up accounts for these sites and then add social sharing buttons onto each article that you post. Your post will then instantly appear in your Facebook and Twitter feeds, and hopefully your social media followers will click back onto your blog to read the fascinating article you've just posted.
Alternatively you can pay a small fee to most social networking sites who will then promote your post above all others for a time. This can be a fantastic way to get your content known amongst the millions of users that log onto social media sites every day. And the more popular your site becomes, the more money you can earn from it.
- Work smart
Blogging is all about working smart. You need to focus on generating traffic to your site and you need to tell people about the products you're marketing. Use every tool at your disposal in order to achieve this such as social networking, cross promotion with another product you've created and paid advertising.
Start commenting on fellow bloggers articles with your own thoughts and opinions. Join forums that are dedicated to your niche and build a reputation as something of an expert in your field. Write guest pieces on fellow bloggers sites and allow them to guest write on yours. Get yourself out there and become the person everyone goes to when they have a question about your niche. The greater the traffic you have coming to your blog, the greater the opportunities for making money from it.
I hope these tips have been useful, but if you have any of your own to add then please leave a comment in the comments section below.


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Guest Reviews | Key West Hotel Reviews
We stayed at the Key Lime Inn during Labor Day weekend. It is in a great location and within walking distance to downtown. It is also near a scooter/moped rental facility, which is a plus. The queen superior room had all the necessities we needed. The room was clean and thank goodness for the AC and ceiling fan. We did not opt to have daily housekeeping but very much appreciated when they left clean towels (wrapped in plastic) by our door each day. The staff was very friendly. There is continental breakfast by the pool which has just what you need for light fare. Overall, I would recommend the KLI.By: MMM on September 17, 2015
Hotel Reviewed:
4 / 5


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Bee removal – Structural
Small Apiary in Berthoud, Colorado and local honey packing facility. Offering honey and other hive products as well as 5 frame nuc's and queens in the spring.
Fort Collins, CO 80524
Open Mon-Sat 10am-6pm
Established in 2004.
Copoco's Honey and Bee Products devotes our time to bees and anything bee related. We carry nearly all products of the hive as well as bee related items such as toys, books and movies. If you are interested in beekeeping, we have everything you need to get going and keep going with beekeeping. Stop in for free honey sampling or to talk bees. We have local raw and unfiltered honey as well as out of state specialty honey.
Retail Honey, Queen Rearing and sales, Swarm and colony removal, Package Bees, mentoring, Honey Extraction Services
Honey Extraction- $1 per frame with $10.00 minimum. Bring your own bucket (or your bottles for a small surcharge). Bottles available for purchase too.
Don Studinski, dba Honeybee Keep, is a principal permaculture enthusiast at Living Systems Institute (LSI) where he applies permaculture philosophy to beekeeping. Apiaries under Don's management are located from Edwards to Erie and from Centennial to Ft. Collins. Honeybee Keep manages Colorado's first Certified Naturally Grown apiaries. Don's beekeeping articles have been published in Bee Culture magazine and on-line at Honeybee Haven, Peak Prosperity and Selene River Press.
As a beekeeping mentor, Don provides advice and counsel for students throughout the United States. Colorado Bees for Colorado Beekeepers is Don's "produce local bees" project which provides nucleus colonies for sale. Learn more about beekeeping, read free articles and see all the products and services provided by Honeybee Keep at HoneybeeKeep.com.


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Eff: Do you ever being hurt?
Me: Of course I do.
Eff: Hmm, you don't seem like that.
Me: What do you mean?
Eff: You know, people treat you nicely, and you always give your smile to others.
Me: Eff, don't you remember?
Eff: What?
Me: I'm a poker face.
Eff: Okay. But… why?
Me: Because sometimes, you might be the only one who could make everyone think that life is beautiful.


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Work from Home Jobs & Extra Cash – Mar. 12, 2018
Friendly Reminder — Calling hirers used to be recommended, before the Internet. But now they get swamped with calls and it boomerangs on everybody. So please resist the urge to call! Thanks!
Work from Home Content Editor – Internet Brands: "Content Editor to create original content for Ben's Bargains, one of the top deal sites on the web. Find outstanding deals on the web and write up concise, accurate posts including an image (occasional image editing will be required). Complete assignments/projects under tight deadlines. Develop knowledge of the site, audience and competitors…"
Work from Home Customer Service Representative – ABC Financial: Hiring from AR and TX (after clicking on the link, look in right column for Texas location). "Assist with inbound and outbound calls from fitness club members and staff regarding recurring payment issues and contract questions; provide fast and friendly service…"
Work from Home Employee Relations Coordinator – The Cheat Sheet: "2+ years of HR or equivalent experience; experience working with employee engagement tools and driving employee retention strategies and initiatives; experience leading culture initiatives and pushing out new; experience working with HRIS systems. Experience using Zenefits is a plus; knowledge of human resources processes and best practices…"
Get Paid to Watch Videos – InboxDollars: Work from anywhere.
Work from Home Financial Controller – The Cheat Sheet: "Associates Degree in Accounting or Business Administration, or a minimum of 5+ years of business experience of progressive responsibility in a finance department. Previous management experience in a finance department is required; full understanding of accrual and cash basis financials, generally accepted accounting principles; proficient in Microsoft Excel; working knowledge of Quickbooks…"
Video Watchers — $5 Signup Bonus – Swagbucks: Get cash for watching vids, or using Swagbucks' search engine (powered by Yahoo) for your searches, or taking surveys. One more legitimate extra-cash option.
Senior Editor – SportTechie: "SportTechie is seeking a Senior Editor who will be directly responsible for our thorough and intelligent coverage of the sports technology space; 8 or more years editing at a digital publication…" Remote.
Report Analyst – UnitedHealth Group: "3+ years of experience preparing reports… As a Report Analyst, you'll have the opportunity to report and analyze data to support the client relationship; intake reporting requests, understand requestor's needs/intent, and produce informative, meaningful and actionable results…"
Get Paid to Answer Simple Questions – Ipsos i-Say: Answer simple opinion questions for points redeemable for rewards like PayPal cash or a wide variety of gift cards. Another legitimate extra-income option.
"How I Make Over $2K a Month Teaching at VIPKID Online with a Schedule I Like" – VIPkid: Hiring nationwide. VIPKID hires people with informal or formal teaching experience — coaches, mentors, tutors and teachers — and pays them up to $22/hr. to teach English to Chinese children online. Actively recruiting now. Part-time. One of our Facebook members, Shawna Phillips, a mom who says she was desperate to stay at home, makes $2,300 a month part-time with VIPKID, with a schedule she likes. She explains how she landed the job and what it's like.
Work from Home Roadside Assistance – LiveOps: Independent contractors. "Drivers call in for a variety of reasons. Some call in to inquire about the features of their rental car. Others call for assistance with a flat tire, or if they've locked their keys in their car. Regardless of what drives the customers to call, the client wants them to receive the best customer service with a focus on being friendly, safe, and prompt…"
Get Paid Up to $50 to Download Nielsen's App – Nielsen (The TV/Radio ratings company) – "For each mobile device you register you will receive up to $50 a year," the company says. For consumer trend data, Nielsen will pay you to install an undetectable app on your smartphone, computer or tablet. The app follows your web use. Your name is separated from the data, and devices run as usual. User IDs and passwords are not collected, the company adds.
Work from Home Marine & Offshore Sabre Travel Consultant – FROSCH: "At least 5 years recent, native GDS experience on Sabre and arranging international travel; be a true Travel Consultant and uphold the 'WOW' factor in client customer service; listen and guide the conversation to solve problems in a timely manner with all types of customers in all circumstances…"
Poll Takers – E-Poll: Pays in PayPal cash or (if you prefer) gift cards. Work from anywhere. Doesn't offer a $5 bonus for signing up like these sites do, but another way to grab some extra dollars when you have some downtime.
Senior Graphic Designer – Brochure Builders: "Busy Graphic Design Studio specializing in Brochure Style Design is now hiring a talented and experienced designer to work PART TIME or FULL TIME from your home studio (offsite). Please look at our website to see what we specialize in…"
Drivers Needed, Almost Any Car OK – UberEats: If you've got a car and are looking for a side gig, UberEats pays people to deliver restaurant orders. Set your own hours. Hiring across the US…
Senior UI Developer – Senior UI Tribe: "The opportunity calls for a mixed set of skills. We need someone with expert level CSS skills, impeccable WordPress experience, and solid JavaScript & PHP skills. Experience building sites with extremely large loads is a plus…"
Survey Takers – PineCone Research: Earn $3 per survey (15-20 mins., typically). This is one of our top survey site picks. They may also send you free products to test.
Work from Home Commerce Beauty Writer – Bustle: "The writer will work under Bustle's commerce editors to produce articles about products that readers will love, whether it's a list of the best Korean beauty products or a round up the best hair dryers for fine hair. Ideal candidates should have a strong background and knowledge of beauty and be able to speak with authority on everything from skin care to hair tools…"
Find jobs & extra-cash gigs faster! Like our Facebook page and see our job posts immediately. Just check your news feed. Enjoy!
Did you see yesterday's jobs & gigs? Click here to see them from the last 10 days!
Share the love! If you know someone looking for a WAH job or extra cash, please share this page. Thanks! PS – RRR uses screened affiliate links on this page to buy cheese crumbs for the rebellious rats here (that would be us).


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1883 introduces you to rising star R&B/ pop artist Danielle Bellas, who brings us her new single 'Starship' premiering today on 1883.
Taken from next years debut album her talents captured the attention of co-production duo Jud Mahoney and Natalie Delucia. Two of the biggest names in the industry having have worked with Michael Jackson, Brandy and Britney Spears the duo immediately recognised Danielle's natural musical ability and unique sound, and together they co- wrote and produced her album.
Danielle's musical journey began at a young age, as she spent her youth filling notebook pages with inspiration and lyrics, recording her first single at sixteen. Coming from a household with a strong emphasis on academia, her passion for music remained in the background. However this did not stop Danielle from pursing a career as an artist, whilst studying she was part of UK girl group Urban Lady. After finishing her studies, Danielle moved to Australia, where she currently resides when not in the UK. 2016 was a huge moment for Danielle as she quit her full time job, and decided to fully commit to a career within the industry.
Starship can be compared to the earlier works of strong female artists such as Jennifer Lopez and Beyonce. Starship takes you on a nostalgic and romantic journey, as it transports you into a world of glamour.
Danielle will be playing a series of live shows over the course of the next few months to support the release of her new work. 2018 appears to be an exciting one for the singer, as she is certain to make an entrance into the industry with a bang.
For all the latest on Danielle head to www.daniellebellas.com
By Georgia Verity@georgiaverity93
privacy policy | terms of use | advertising | contact | about | jobs | media pack


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Snowblower Hex Screw
This manufacturer-approved hex screw (part number 74780426) is for snowblowers, including Craftsman snowblower model 917253560.Wear work gloves to protect your hands when installing the hex screw.
About Sears PartsDirect
"Sears Parts Direct is the online access point for repair parts and accessories from every major brand – regardless of where it was purchased. From electronics to lawn and garden equipment, they offer genuine parts from the original manufacturers." --- Sears PartsDirect; More Details


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Your golfing map… how many can you tick off?
12th December, December 2018 | 0
12th December, December 2018 | 0
30th November, November 2018 | 0
30th November, November 2018 | 0
Titleist launches new Players Collection stand bags delivering golfer-validated performance and quality
The new Titleist Players Collection line of stand bags, now available in golf shops worldwide, has been thoughtfully designed with special focus on the performance requirements of the dedicated golfer. Featuring new lightweight designs with advanced stand and strap systems, the Players Collection combines proprietary engineering with premium materials to deliver the Titleist brand promise of innovation, performance and quality.
The Titleist Players Collection includes the Players 5 and Players 14 stand bag models, identified by organisational preference in 5-way and 14-way top-cuff configurations. A Players 5 StaDry model is also available for golfers seeking advanced waterproof protection.
Designed in-house by the Titleist Golf Gear Team and manufactured using proprietary components for ultimate durability, every bag in the new Players Collection incorporates features and design elements that have been validated by insights from dedicated golfers of all levels.
Each of the three models in the Players Collection provides golfer-validated performance and quality through advanced stand bag engineering and materials:
Titleist Players Collection stand bags are now available worldwide through Titleist authorised golf shops.
To celebrate the launch of the 2017 Players Collection stand bags, Titleist wants to know what Titleist golf bag you'll be gaming this season. Share your pictures on social media with the hashtag #TitleistPlayers and you'll receive a limited edition Titleist ball marker.
Get involved across Titleist's social channels at: @TitleistEurope on Twitter, @TitleistUKIreland on Facebook and @TitleistUKIreland on Instagram.
To explore Titleist's 2017 golf bag range, visit www.titleist.co.uk/golf-gear/bags. For further information on the brand, visit www.Titleist.co.uk.
Stay upto date with the latest news, reviews and features from Inside Golf Magazine.


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"Replacement Motor"
Jeanette Arguello Ramos on 2/4/2019 3:47:00 PM
Review: Highly Recommend place to shop from! I needed to get my motor replaced and it was easy to navigate the website and find it and order it. Did not struggle with shipping and it arrived before I expected.
"replacement motor for steps"
Donald Roppelt on 9/26/2018 5:34:45 AM
"Amp motor"
Ed Vaca on 5/21/2018 11:12:36 AM
Review: Excellent service & corrrect part! Thank you
William on 9/28/2017 11:47:46 AM
Review: Great products, direct fit, quick shipping!
"Excellent Customer Service"
Martin Coffey on 8/7/2017 5:51:00 PM
Review: I would like to say how polite the people are that answer the phones an speak to you also shipping was really quick . Great Job
"Fast and accurate"
david hainley on 8/2/2017 10:01:22 AM
Review: Great phone support fast service. Got my order 3 in 3 days👍
"Amp replacement motors"
Michelle Rockwell on 7/18/2017 9:51:55 AM
Review: Exactly what we needed. Customer service very helpful in verifying part was correct.
"Easy Fix"
Nathan Simmons on 5/30/2017 6:27:42 AM
Review: My driver side door failed in the down position and I was dreading the repair job. Turn out to be very easy! I just called got the replacement motor number took the assembly off (4 bolts) and changed out the motor. I would recommend taking the whole assemble off instead of trying to change the motor with it on. I ran into room issues while it was still attached.
"New motor"
Ian Bachmann on 3/14/2017 8:33:28 AM
Review: Easy install works great!
>> Read all product reviews [9] |
Write your own review


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- Creative
- Animation
- Film Production
- Fine Art
- Graphic Design
- Illustration
- Music Production
- Photography
- UI/UX Design
- Writing
I went to college to learn art photography, but I had my most fun creating caricature characters in my clay class. In this class we'll create reusable forms, design our characters, learn the proportions of the face, examine different materials and more, making our mask without the need for any specialty ceramic studio equipment!
The outline for this project is here + the intro video is here!
(Previous Project)
Introducing Chaos: Creative Photo Transfer
I've been a photographer since prior to the digital revolution, and as creative as one can be with a digital tools, there is an element of chaotic randomness that we cannot program. This class is for visual artists and designers looking to reintroduce chaos into their workflow for surprising, one-of-a-kind results.
This class covers 3 styles of image transfer, allowing us to put our photographs, drawings and graphics onto unusual surfaces like wood and tile with an organic flavor to the work. I'll do demos of each method, and also cover the philosophy of image transfer, how to prepare our images using Adobe Lightroom, and the specific tools and materials that work with each transfer style.
For the class projects, I'll be asking you to create finished artwork using the Xerox transfer, the heat transfer on tile, and rubbing alcohol transfer methods.
See you in class and have fun with it!


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If just 800 more families could have given the average gift to the Catholic Arkansas Sharing Appeal, the Diocese of Little Rock could have reached its 2017 goal.
Dianne Brady, development and stewardship director, said she is hoping more Catholics will choose to become involved in this year's campaign, which kicks off Feb. 3-4 in all parishes. An audio homily in English and Spanish from Bishop Anthony B. Taylor will be played and pledge cards and envelopes will be handed out.
The diocese's annual appeal provides funding for diocesan ministries, like marriage preparation, youth and campus ministries, Catholic Charities and the Catholic Schools Office, as well as grants for faith formation and schools that are handed out across the diocese.
In his homily, Bishop Taylor noted that he will mark his 10th anniversary as bishop in June.
"I rejoice in the ways in which the Lord has blessed our local Church during this time and the many things we have accomplished together — much of which has been paid for through your generous contributions to CASA, our annual Catholic Arkansas Sharing Appeal. All of this is the fruit of your — and my — commitment to the Lord," he said.
This year's goal is $2 million, the same goal the diocese has set for the past eight years. Some years the diocese is able to make its goal. In 2017 the shortage was about $120,000, Brady said. The average gift is $146.
People can make their gift as a pledge over 10 months or they can make a one-time payment. Online gifts with a credit card or electronic check can be made at dolr.org/online-giving.
While the diocese has 56,000 registered families, only about 6,000 choose to participate in CASA.
"If we just got 20 percent participation, it would be wow," Brady said.
It is suggested to give 1 percent of your gross income income to CASA.
Brady said she believes more families don't give to CASA because they probably don't know what the annual appeal is and how many people it helps.
"I don't think people give because they don't know what it is about. So many people don't understand the diocese and what our role is," she said.
She said she is hopeful the priests will explain the importance of the annual appeal.
"The pastors are really the key," she said.
This year CASA will continue to support the renovation of St. John Center in Little Rock. The diocese completed its update of Fletcher Hall in January.
Programs to be supported by CASA 2018 are:
• Diocesan ministries, $550,000
• St. John Center renovations, $575,000
• Parish and mission support, $200,000
• Youth and campus ministry, $150,000
• Grants to Catholic schools, $100,000
• Grants to faith formation programs, $100,000
• Seminarian expenses, $75,000
• Catholic Charities of Arkansas, $100,000
• Catholic Adoption Services, $50,000
For more information, call (501) 664-0340 or visit dolr.org/casa.
Please read our Comments Policy before posting.Article comments powered by Disqus
2018 showed the light is stronger than darkness
CASA supporters can shine lights of ministry across state
St. John Center's Fletcher Hall reopens after major update
Seminarian education possible because of CASA
Diocese hopes to raise $2 million in CASA pledges
Renovation at Sacred Heart Church uplifts spirits
Read about both local and global news in Arkansas Catholic
A Catholic you want to know: Bryan Nguyen
Subiaco Abbey welcomes two new Benedictine monks
Saldana's ministry to first responders a mission from God
Forming an independent laity council
St. Mary Church Annual Mardi Gras in Helena
109th Annual Spaghetti Dinner March 3
2018 showed the light is stronger than darkness
Daniel Rudd: 'We need the Church; the Church wants us'
Consistent ethic of life broad and interconnected
Incense, candles, oil help us realize house of God
Some prayers are worship; some are conversations


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The set of chairs are part of the Thomas Jefferson Monticello Collection and were originally covered in red "silk" (polyester). Fortunately, when I purchased my wallpaper from Chinoiseries Miniatures a while back I also snapped up the matching fabric in 'real' silk. Of course, I want to pipe the edges a la 'Krazy Kords' Catherine, but I haven't gotten around to that, yet!
The recamier I decided to re-do in a gold/red stripe from Renaissance Fabrics. (I think the fabric cost more than the sofa but it was well-worth it).
The curtains are made of the same stripe-y fabric. So once again out came the fabulous Pretty Pleater! I know that some of you have in the past poo-pooed the Pretty Pleater, but I personally LOVE it! Not only does the name itself make me titter like a little school-girl, but I find it so easy to work with. And if you remove your curtains from the handy-dandy, Pretty Pleater apparatus while they are still a little damp and block your fabric on foam board, the results are a lot less 'tortured'-looking.
Once complete, the curtains will hang from brass rings on a matching rod...but I seem to have misplaced the tiny hoops...oops! Back to the bead store! I will then be able to finally glue all my wall panels in permanently. It seems that I cut my poor, neglected crown moldings ages ago and at long last I will be able to dust them off and officially install them!
I copied the design of the curtain pelmets from a photo I found on the internet...don't you love the fringe? I made it from a gold ribbon --thanks to the advice of fellow blogger Jeffry-- just sliced a ribbon lengthwise in two and pulled out enough threads to form the fringe. How easy is that? (Thanks, Jeffry)! I am trying to train the fringe to hang downward by combing them with a little starch on my fingertips.
Santa brought me the delightful desk and chair, as well as the grandfather clock and the library steps. I also am receiving a beautiful globe from Master's Miniatures (thanks, Greg)! which is still en route from England. I have a pretty mirror on order that will eventually hang over the desk. Really, all I need to fill out the room are some desk accoutrements and a few other odds and ends...
My favorite Christmas gift of all was a new harp for the Music Room! Ain't she purdy? I can't believe all the little strings it has! I think I might pick out some of the harp's carving in gold, what do you think?
I take that back...my absolute favorite Christmas gift of all was not going blind in one eye! That little episode was kind of --scary-- I guess you'd call it...but I want to thank all of you who wrote or phoned with your best wishes. It was very kind of you to go out of your way, (especially this busy time of year), to check up on li'l ol' me. Now that I'm getting my mojo back, I look forward to catching up with all of you and all of your blogs...
Best Wishes for a healthy, prosperous and fierce 2013!


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01UniQue EVENT Schedule:
PREVIEW NIGHT: Thursday, Sept. 28, Invitation-only, Medallion Donors, Sponsors and Exhibiting Artists
FINE CRAFT MARKET: FREE and open to the public
*Friday, September 29, 9 AM- 5PM
*Saturday, September 30, 10 AM – 4 PM
*Sunday, October 1, 1 PM – 4 PM, includes artist-led "Make-and-Take" activities and demonstrations (fee for participation in art creation activities.
UniQue MAIN EVENT
Saturday, September 30th, 6-10 PM
– Music- Fine Craft- Food- Beer
Concert in the garden, craft market, silent auction, beer garden (for purchase.)
General Admission, $40 per person (includes entry to concert/gallery and one food truck ticket, must provide own chair or blanket).
Tables of 8 are $400 (presettable and chairs for 8 with tablecloth)
Brown bagging permitted.


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i saw a screen cap. of this on tumblr and i was like "hOly shit this is funny" and i just finished it and i honestly loved. its so cute and funny and although there werent many choices (i almost never play visual novels) the characters, references and gay made up for it. its rep. of poc and lgbt+ was awesome and spot on and wow i love pls make more
also the recorder cover of "my heart will go on" was so good i was brought to tears from laughter wtf and i acc got a bit emo at the end scene i wAsnT rEaDy


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The Work in Art of Alex Tsander.
Banners: Large Plain Paper Prints Conceived for Public and Outdoor Display.
These pieces are made within the paramaters of a machine that can output plain paper prints 84cm wide by up to 4 mtr long.
They are intended for disposable use either in venue or out-doors.
"The Omega Ma'm"
Three of Nine "Hussaria"
Three of "Nine Tribes"
"Two Fingers and A Third"
One of "Three Romans"
Above and below:
"Galloway's Girls"
Galloways Girls at Kunsthaus Tacheles, Berlin.
Installed 4th october 2011 (the day after re-unification day).
Below: "Fed'day'in"
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I fell in love with Lorraine Corrigan's sculptures the moment I first saw them. They are utterly desirable works of art, yearned after and collected worldwide by a growing army of followers. They were an instant hit when they first appeared on Facebook in 2012 and her creations have gone from strength to strength since then. They are fabulous in the flesh, of course, but they are almost as delectable in print as you can see from this range of her cards.
Here's little background on Lorraine...
Lorraine's passion is sighthounds and she is naturally drawn to them in her artistic endeavours. She has a natural eye for form and this, combined with her intimate knowledge of the anatomy and characteristic poses of the dog, lead to the most glorious sculptures. She has a light hand creating delicate, sensitive forms full of movement and expression.
Lorraine's sculptures use the delicacy of fine wire and multiple layers of vintage paper carefully placed to emphasis texture and solid form. They are finished with a sealant wash to give an almost stone-like finish. Lorraine's works to commission and her sculptures are handmade to order. Please allow plenty of time if you are ordering for a special occasion. You can see more of her work here.


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Wow, just typing those words seems crazy to me! Yes, Braden is going to be a big brother at the end of August. He will have a sibling almost exactly two years younger than him (minus a couple of weeks). I am having some serious deja-vu being pregnant at exactly the same time I was two years ago. Although I can barely picture our little man as a tiny newborn anymore, it also feels like it was just yesterday.
How does it feel to be pregnant AND have a toddler? I have to admit that although how I physically feel is somewhat the same, it still feels different. This time around I am chasing around a toddler all day long and often forget I am pregnant. It just can't be the main focus as it was the last time so it slips your mind. Back to that chasing a toddler around comment I already made, come the end of the day I am one seriously exhausted mamma with a bun in the oven on top of it. There's also not as much worry or questioning about my health or body this time around since I've been down this road (and not that long ago of course). I am very lucky both times around because I can say that I have never experience morning sickness. The one thing that is the most different this time regarding my health is that I don't have a thyroid issue. The first time around that caused some different symptoms for me. The normal thyroid this time around is prolonging the wearing of pregnancy clothes, so the longer they can sit in my closet the happier I am. :) he he. I am not going to lie, I had to cringe when I washed and folded them the other week. Why can't we just wear our normal clothes and maybe have a few bigger shirts when our tummys grow? I wish! :)
As far as how I feel about what is to come - I am excited, but honestly a little nervous for a new baby on top of having a toddler! I think that is a normal transition for anyone going from one to two...just as going from none to one. It's exciting yet the fear of the unkown is there. Right now, I am really good at getting out and about with Braden and I don't want to slow down! I love going to parks, going swimming in the summer, taking walks, being able to workout, having playdates and the list goes on! Things gets a lot easier now that he can run around and play on his own, so to start over with a tiny baby when they are constant work, makes me a bit scared. On the other hand, babies sleep a lot during the day and you don't have to chase them around! My other fear is, Braden is also such a good kid, so I am afraid that it's karma that I would get a really naughty one next! Ahhh, we'll see!
Anyway, I know it will be a lot of work having two in diapers and them being closer in age, but I know in the long run it will be nice for them to have eachother as playmates. Hopefully they will entertain eachother. Plus, I will be blunt and say I'd like to move beyond the child-rearing years now that I'm in my mid-thirties! :) So, I will get over my fears that I listed above and I know it will be great all around! I am sure once he/she is here I will master having two (hopefully) and then I will forget what life is like with just one! I also sometimes get sad for Braden that he will have competition, but at the same time I don't want too much time to go by with having him be the only focus. He loves other kids, so I know he will love the company. You just worry as a mom on how you will spread your love and time, but so many people do and my parents raised four of us and nobody was slighted! So, I know I will figure it all out when the time comes. Each change in life just comes with a mix of excitement and anxiety that you just work through!
And no, we are not going to find out the gender again this time! We love that surprise!
So this is an exciting year with alot of change for us! Our new house couldn't have come at a better time! Here's hoping I can still keep up with Braden until the end of August, and I can still teach my classes up until my due date. Teaching really gives me an outlet and helps me stay in shape during pregnancy so I don't want to give that up. It's crazy to think that just a few months after our three year anniversary this year, we will be a family of four! I know my Mom is watching out for us and sending lots of blessings our way. Thank you Mom for being our angel!


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PS3 to be launched in India
Its Official now , the Sony Playstation 3 will be officialy launched in India on 27th April , 2007 . The model that will be available is the 60Gb one and it will cost around Rs 39,900 .
A range of games from the companies like Electronic Arts , Namco etc will be available . The games will be priced at Rs 2999 . The titles initially scheduled for line up are Resistance : Fall of Man , Ridge Racer , NFS Carbon , The Godfather etc .
Now lets hope the line up goes as it is planned . It is good to see consoled such as XBOX 360 and PS3 being officialy released in India but i am a bit skeptical about the price of PS3 . With the Xbox 360 being available at around Rs 23000 – Rs 27000 , i dont think much people will go for PS3 . What do you guys think ?


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Web Development
Springtimesoft has been involved in some very interesting development work over the past couple of years. We had the pleasure to work with really interesting people and we gained an inside view into New Zealand based software development. This perfectly complements many years of knowledge we gained in Europe in the same field.
We have a strong commitment towards open source and try to release software we have built – or at least the parts that are not business related – under an appropriate open source license.
Coola NZ
Shopify e-commerce development
Migration of CommunityNet website
Website development for Techweek '17 - including an event management portal for event organisers and public facing marketing website
Resene ColorShop online
Magento development of an online shop for Resene, allowing for the configuration of complex paint colours and products.
Redevelopment of NZIOB website
Beauty Care - e-commerce
Frontend development, System design, Backend development
Snapper Website
Worked with the Snapper team on the Snapper website rebuild
Kereru Brewing
Redeveloped Kereru Brewing's existing online store to Magento
NZ PHP Conference 2015
Developed new website for the NZ PHP Conference #PHPNZ15 event
Sentinel supports the growth of your domain registry by creating trust.
Springtimesoft developed a new e-commerce platform for NZTS.
Spit Roast Catering Company
Frontend development, System design, Backend development
Finger Food Catering Company
Frontend development, System design, Backend development
Raygun Magento Extension
Development of the official Magento Raygun extension for error tracking
Bike Hub
Development of online store
Developed a new HOBANZ website using Drupal and Drupal Commerce
Spaced360 New Zealand
Spaced360 New Zealand Magento e-commerce for high end audio company
Developed a new news platform for independent political news site - Politik
Takahē Recovery
Website development for New Zealand endangered bird - the Takahē
Kākāpō Recovery
Website development for New Zealand endangered bird - the Kākāpō.
Caroline Mitchell - e-commerce
Backend development of custom e-commerce system for Caroline Mitchell
Wakefields Digital - e-commerce
Springtimesoft added Drupal Commerce to Wakefields' Drupal website
Feet Petite - e-commerce
Backend development and custom e-commerce system for Feet Petite


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Program Content and FAQ List
The Interactive Medical Intelligence Zone is a needs assessment-driven continuing medical education (CME) activity that utilizes national and international experts to provide evidence-based, guideline-consistent, and practice behavior-changing information focused on critical and challenging topics in clinical medicine.
To ensure that the educational content of iQ&A programs will address practice gaps in clinical medicine, improve patient outcomes, and positively guide clinical practice strategies, international experts, usually in a roundtable format, will respond to questions submitted and/or generated by practitioners at CME mega-symposia, national congress, association meetings, or as part of on-line, enduring CME programs.
Questions reflecting the clinical needs of practitioners are then answered, analyzed, and discussed by international experts, who provide evidence-based and clinically relevant guidance that is independently of commercial sources or the program sponsor.
The iQ&A platform stresses:
Intended Audience
Program Medium
Method of Physician Participation Utilized in Learning Process
Estimated Time to Complete Educational Activity
Course Overview
Release Date
Expiration Date
Grantor Support
Accreditation Statement
Credit Designation Statement
Policy on Faculty & Provider Disclosure
Program Faculty and Disclosure
Ricardo Alvarez, MD, MSc
Nothing to disclose
Stefan Glϋck, MD, PhD
Research Support: Amgen, Agendia, Celgene, GSK, GHI, Eisai
William J. Gradishar, MD
Research Support: Eisai
Peter A. Kaufman, MD
Research Support: Genentech
Virginia Kaklamani, MD
Research Support: Eisai
Minetta Liu, MD
Research Support: Eisai
Susan L. Mooberry, PhD
Research Grant: Remeditex Ventures
Joyce O'Shaughnessy, MD
Honorarium: Abraxis BioScience, AstraZeneca, Genentech BioOncology, GlaxoSmithKline, sanofi-aventis Group
Edith Perez, MD
Grant/Research Support: Sanofi Oncology, Genentech, GSK
Hope S. Rugo, MD
Speaker's Bureau: Genomic Health
Lee S. Schwartzberg, MD FACP
Grant/Research Support: Eisai, BMS
Katherine H. Rak Tkaczuk, MD
Nothing to disclose
Research Support: Eisai
Debu Tripathy, MD
Nothing to disclose
Professor Christopher Twelves, MD
Speaker's Bureau: Roche, Eisai
Linda Vahdat MD
Research Support: Eisai
Amelia Zelnak, MD, MSc
Research Support: Eisai, Bayer
Program Managers and Web Editor Disclosure
Educational Objectives
Upon completion of this activity, participants will:
Copyright © 2013 by CMEducation Resources, LLC All rights reserved.
Reproduction, distribution, or translation without express written permission is strictly prohibited.
Content on this webcast reflects the opinions, output, and analyses of experts, investigators, educators, and clinicians whose activities for, while independent, are commercially supported by the sponsor noted at the start of each activity.
Content on this webcast is not meant to be, nor substitute for national guidelines or recommendations generated by professional, academic societies, colleges, or associations.
Content on this webcast is intended for educational value only. Its contents, analyses, and any recommendation made herein are intended to make scientific information and opinion available to health professionals, to stimulate thought, and further investigation. This webcast is not designed nor is any aspect of the contents here intended to provide advice regarding medical diagnosis or treatment for any individual case. Any decisions regarding diagnosis and/or management of any individual patient or group of patients should be made on individual basis after having consulted appropriate sources, whether they be appropriate consultants and/or guidelines and recommendations issued by national organizations, professional societies, governmental health organizations, or similar bodies. This webcast is not intended for use by the layman.
Opinions expressed herein are not necessarily those of Pharmatecture, LLC, CMEducation Resources, LLC, program supporters or accreditors, but reflect the opinions and analyses of the experts who have authored the material. Mention of products or services does not constitute endorsement. Clinical, legal, financial, and other comments are offered for general guidance only; and professional counsel should be sought for all specific situations.
Copyright © CMEducation Resources, LLC


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Pastel houses, cracked and bleached, stand in tight, solid rows, too high to see over, but low enough to the ground to almost reach. I can't tell if they're one level or two. I want to touch their chalky wood–it seems so thin, so flimsy–and I want to knock the houses down.
A dry breeze clutches me, I shift uncomfortably where I stand–on a cracked porch, and bend my knee back and forth. I look up at the windswept sky, burnt from blue to almost yellow, filled with flapping cirrus.
An ant crawls onto my sand-caked running shoe before looping around and descending again. The wind touches my neck.
The silence makes my skull ache. My brain desperately anticipates a jet passing, the groans of traffic, the hard snap of shoes on the dusted pavement.
It's all too yellow, bleached and bleached by the sun. My knees almost buckle. My teeth have minuscule pebbles in between them. The glinting asphalt makes my mouth dry and my throat thick.
I wonder when it will rain again. It will take more of the houses away, chipping their paint and wood, smoothing them over, dragging through the grass like dusty, wormy, dribbly, shimmering snakes. I want to see the clouds build, clench, plume. All dark purply-grey. They will be high above. I wish to fly to them, soar up straight through the open-shut air, drown in the droplets before they reach the earth again.
Maybe I'm on another planet. Where is the rain? Why is the gravity so much tighter? It stiffly clamps my shoes to the road.
I rub my fingers together. These houses.
A spark–snaps; flows; burns. The air, becoming a crust, shies away and is pulled in. A whirlpool, a black hole.
My palm lights up–the majesty of warmth. The heat cools my skin.
My hands cup, come closer together, spark, flame. First, hidden in the cage of my fingers, the fire cringes, then expands and I flatten my hands out.
I swing my arms and the fire trails rapidly behind, catching the corner of one of the buildings. It snaps, burns, pops, spreads. It embraces the whole house and another breeze twists through, sending tongues of the inferno cartwheeling across the dry spaces all neatly measured out some time ago or another. Aflame, grass climbs against other houses, demolished.
I set another, and sprint down several yards–and another–and a garden is lit, smoke crawls through the haze. I stomp hard, and feel the gravity almost pulling back, hesitant to once again grip me.
Licking and binding and hissing, the flames spread, lighting up the abandoned homes.
The borough burns, and I run.
A hawk circles overhead, riding hot winds, and turning away.
My lungs fill with salty air, I escape the reaches of the suburb, and I think I should go for a long swim.


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bbc news • 21 June 2017 12:03PM • 2 comments
YULIN - A controversial dog meat festival has begun in the Chinese city of Yulin, despite earlier reports it had been cancelled or toned down this year.
The Lychee and Dog Meat festival takes place annually in Guangxi province.
Earlier this year, US campaigners claimed that vendors had been told by authorities not to sell dog meat.
But stall holders had told the BBC they had heard nothing about this from officials. On 15 May, city officials confirmed there was no ban.
Yes. On Wednesday, reports from Yulin said dead dogs could be seen hanging from meat hooks at stalls in Dongkou market, the biggest in the city.
There were also reports of a heavy police presence on the streets.
One activist in the city told the BBC she was prevented by police from entering the Dashichang market where she believed live dogs were on sale.
In previous years there have been scuffles between stall owners and activists trying to rescue the dogs slated for slaughter.
The city of Yulin is not the biggest dog meat consumer in Guangxi province though. It is only since the festival started around 10 years ago that the city received national and international attention.
It is all about accusations of animal cruelty and changes in attitudes to dogs in China.
Residents and vendors say the dogs are killed in a humane way and that eating them is no more or less cruel than consuming pork, beef or chicken.
Eating dog is an old tradition in China, South Korea and some other Asian countries. Those in favour of it are upset by what they say is foreigners interfering with local traditions.
In Chinese culture dog meat is said to be beneficial during the hot summer months.
Even many who do not eat dog defend the practice as long as the animals are not stolen or killed in an inhumane way.
But critics say the dogs are transported from other cities in small, cramped cages ahead of the festival and brutally killed. Activists also allege many of the dogs are stolen pets.
Protests against the festival come both from abroad and from within China. The number of pet dogs in the country has skyrocketed in recent years with 62 million registered canine companions.
This has gradually changed many people's opinion on eating dog meat.
In May, US activists had claimed there was a ban on the sale of dog meat this year. This was not the case.
The Yulin government has repeatedly said that it does not officially organise the festival so cannot prohibit it. Eating dogs is not illegal in China.
I once eat dog meat. Its so taste. Dogs are just like pigs, goats and/or chickens. I see no problems in eating them provided they are not stolen
they must come and eat zvimbwamupengo nezvimbwasungata here
Readers are kindly requested to refrain from using abusive,
vulgar, racist, tribalistic, sexist, discriminatory and hurtful
language when posting their comments on the Daily News website.
Those who transgress this civilised etiquette will be barred from
contributing to our online discussions.
- Editor
© 2019 Associated Newspapers of Zimbabwe (Pvt) Ltd. All Rights Reserved.
Made in ZimbabweDesign & development by C2 Media
C2 Media


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Reviews For No More Secrets
Reviewer: grniys Signed Date: 2016.12.02 - 09:07PM Title: Chapter 1 No More Secrets
I honestly hate Hermione in this. I absolutely despised her through all of it, but at the end she had a renewed sense of pride because she learned something, and felt she could do a better job? She should have a renewed sense of shame for her actions and previous ignorance. Ugh.
Reviewer: InwoodHP Signed Date: 2015.01.12 - 02:07AM Title: Chapter 1 No More Secrets
So well done.
Reviewer: clandestinelyours Signed Date: 2014.12.08 - 03:12PM Title: Chapter 1 No More Secrets
Wow. That was a very moving and thought provoking story. You dealt with a very difficult topic rather skillfully. I have long been a supporter for victims of domestic violence, and yet still find it hard to believe that anyone could do such a thing. I feel that this is they type of story to be shared with everyone so they can begin to understand that domestic violence can be anywhere, even in the fantasy worlds that we like to delve into. Really well done.
Reviewer: Akvis Signed Date: 2014.11.28 - 04:23PM Title: Chapter 1 No More Secrets
No Review
Reviewer: JetLaBarge Signed Date: 2014.11.05 - 07:02PM Title: Chapter 1 No More Secrets
Good writing. More importantly, a story that has to be told.
Reviewer: ngayonatkailanman Signed Date: 2014.09.08 - 12:25AM Title: Chapter 1 No More Secrets
excellent. I think I have read this begore and reviewed it as well. It does go to show you how good a storyteller you are keeing me interested and enhthusiaiasti the secon time around.
Reviewer: maquislady1388 Signed Date: 2014.09.01 - 03:55AM Title: Chapter 1 No More Secrets
Wow. Very Powerful. I always hated the way JKR downplayed the abuse Harry suffered. I like to think that if events at the end of the third book had gone as they should have Sirius would have noticed and done something. I also see it as the reason Dumbledore didn't do more to clear Sirius.
Reviewer: MidnightDream Signed Date: 2014.09.01 - 02:46AM Title: Chapter 1 No More Secrets
As a person that has gone through the 40 hour training in Domestic Violence (United States) and volunteers in a domestic violence shelter and a child advocate I can tell you that you have written everything beautifully. It really describes the situation of a battered women and the children. Many people believe that domestic violence isn't an issue or it's all in the women's head but it isn't. Its a serious problem that needs to be addressed as well as teen dating violence. Thank you for using this platform to spread the word about domestic violence and create awareness in those who might not have heard of it or didnt have an interest in learning about it.
Reviewer: ebdenis Signed Date: 2014.08.30 - 01:47PM Title: Chapter 1 No More Secrets
This is my favorite piece on the entire site for several reasons: it is very very well written, it achieves effective, non-preachy advocacy on a very important issue, and it is, quite simply, a good story with compelling characters.
I particularly like that you have chosen a male character for the advocate. While I would sincerely like to believe that our sex would be more sensitive to this issue, I believe you will have a bit more success in advancing the importance of this issue using Harry as your messenger. I'm glad that he was able to convince Hermione in the end. Well done!
Author's Response: Thank you. I'm glad you enjoyed it. I believe that Harry would definitely be a defender of those abused or in peril.
Reviewer: pleurocoelus Signed Date: 2014.08.29 - 05:08AM Title: Chapter 1 No More Secrets
It would be so easy to simply repeat the praise heaped on this story by other reviewers. I'll try to be original in my praise.
Reviewer: melindaleo Signed Date: 2014.07.30 - 05:10PM Title: Chapter 1 No More Secrets
I haven't read or written any fanfiction in quite some time, but I was feeling nostalgic, and I came across this piece. It was very nicely done. This overlooked aspect of the series has always intrigued me, and I'm eager for the stage play JKR is working on about Harry's younger years I wonder how much will be touched on.
Reviewer: ngayonatkailanman Signed Date: 2014.07.17 - 06:28PM Title: Chapter 1 No More Secrets
This is an excellent piece of work. The topic is so true and in real lifel it sadly exists. And the victio? Healing takes so much time, money, effort and resources. It truly is a great shame. Well doenl you.
Reviewer: carolyn jinn Signed Date: 2014.06.09 - 11:35AM Title: Chapter 1 No More Secrets
Reviewer: Jeograph Signed Date: 2014.06.07 - 09:39AM Title: Chapter 1 No More Secrets
Very nice story, and a true eye-opener. Thank you so much. Again you have taken on a difficult subject matter and treated it beautifully. You teach us all the real power of fan-fiction.
Reviewer: Kukia Signed Date: 2014.05.31 - 07:16AM Title: Chapter 1 No More Secrets
Great story. I like how you are helping to teach others about domestic abuse through a fanfiction.
Reviewer: GHL Signed Date: 2014.05.29 - 11:41AM Title: Chapter 1 No More Secrets
Well done! The subject matter is certainly worthy, and I like your caricatures of the older, professional versions of Rowling's cast. Most importantly, the writing is crisp, even and does not diminish the message. I've seen a fair number of well-meaning authors take on a serious topic and ultimately do it a disservice by not communicating clearly and respectfully -- there's no such problem with this piece.
Reviewer: ellen Signed Date: 2014.05.29 - 09:38AM Title: Chapter 1 No More Secrets
An interesting choice of subject,and I liked the extra dimension it gave to the work of an Auror. While it was slightly sad to see that the two couples had drifted apart despite sharing a house, it was good to see that Harry had matured into a confident and capable professional. I'd have liked to see something of his POV, although you did show us enough for the needs of the story. But oh, Ron and Hermione refusing to see what was under their noses. At least Ron seemed quick to admit his mistakes so hopefully here is the wake up call to make him grow up, but poor Hermione - still relying too much on what she finds in books even after all these years. I'm not sure that she'd ever learn to trust what her own senses should be telling her in a situation such as you describe.(And thanks for not making her the Ms Perfect, always right, joined at the hip best friend of Ginny.)
Reviewer: SYLVELLE Signed Date: 2014.05.28 - 07:55PM Title: Chapter 1 No More Secrets
Excellent story. Well written great characters both canon and OC. Harry's righteous indignation at both Ron and Hermione's cavalier attitude to abuse felt right on. The whole time they are talking about they'd know it if they saw it, I'm thinking of poor little Harry, in his too big clothes, his broken glasses, and his stunted growth, why didn't they notice?
Reviewer: miriel_zoldrick Signed Date: 2014.05.28 - 09:29AM Title: Chapter 1 No More Secrets
I really cried while i was reading it. One of the best fics regarding Harry's childhood problems. What is the best about it? Probably considering an ugly problem like domestic violence. I would like more fics like this.
Reviewer: Arnel Signed Date: 2014.05.26 - 12:29AM Title: Chapter 1 No More Secrets
Over the years, I've read many stories about what Harry's uncle has done to him and how, as a teen, he copes and begins to heal because of the love his friends and their parents show him. This is the first story I've read that deals with how his upbringing has affected the way adult Harry works, how he empathizes with the children and spouses who have similar experiences and the good things he is doing for those people.


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Mike Tolbert pays auto bill in coins
When the cops showed up they told Tolbert he had to pay his bill. He and Motion Lab Tuning went back and forth at each other on social media, with Tolbert claiming he was quoted a 10-day fix and a certain price, only to be billed a higher amount two months later when the work wasn't completed.
Twitter storm: Trump shames former-beauty pageant winner
This has to be bad for Donald Trump , a hall-of-shame sexist-and good for Hillary Clinton , an actual woman. It's all "with the goal of intimidating me", the former Miss Universe wrote in Spanish. The former television reality star has never run for office before and his habit of making off-the-cuff insults has alarmed many in the Republican Party establishment.
BG hosts first ever Knudsen Modified Volleyball Tournament for Breast Cancer awareness
It will run in four malls across Qatar encouraging women to book for breast cancer screening. Also in Danbury, Western Connecticut Health Network is teaming up with Star 99.9 to present a month of events, activities, workshops to raise awareness and help prevent breast cancer.
Jets' Decker still not practicing, could miss game Sunday
The Jets will be without rookie wide receiver Jalin Marshall for at least two weeks as he will rehab a torn labrum. Bowles said Wednesday that Decker would probably have an MRI on the shoulder, but that still hadn't happened as of Thursday afternoon.
Six healthy babies born in Nicaragua to Zika-infected mothers
According to new analysis conducted by travel insurance provider Allianz Global Assistance , the number of people preparing to visit the state during the fall and winter seasons has dropped by nearly 15 percent following highly publicized incidents of the mosquito-transmitted virus.
Image of 1992 slaying suspect is generated from his DNA
Ziegert was working at a card shop in Agawam in the early evening on April 15, 1992 when she disappeared leaving the store unlocked, the lights on and the money still in the cash register. Her body was found four days later in a wooded area about four miles away. "We will never forget her, and members of the Unsolved Case Unit and the Massachusetts State Police detectives in my office, along with the Agawam Police Department, have never put this case down", Gulluni said.


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Currently licensed banks
redisplay page showing both currently licensed and historic (since 1995) banks
Banks are listed in this canton if this is where they have their corporate headquarters. The larger banks have branches in several cantons.
Also available are: Single list of all Swiss banks, a List of Liechtenstein banks and Frequently Asked Questions about Swiss banking.
Related pages: FINMA - The Swiss Financial Market Supervisory Authority, Financial Market Authorityof Liechtenstein, the web site of the Swiss Banker's Association, and the Swiss Stock Exchange.
Disclaimer: The information shown has been carefully compiled from reliable sources. But SW Consulting SA cannot warrant its accuracy; all responsibility for use of the information rests with the user. Note in particular that the succession of a bank does not imply inclusion of all its assets in a final transfer; groups of assets (e.g., categories of client accounts) may be transferred separately to one or more purchasers prior to the final transfer, sale or closure of the bank's corporate entity.
Arvest Privatbank AG Pfäffikon (SZ) BZ Bank Aktiengesellschaft Wilen b. Wollerau Raiffeisenbank am Rigi Immensee Raiffeisenbank Einsiedeln Einsiedeln Raiffeisenbank Höfe Wollerau Raiffeisenbank Illgau Illgau Raiffeisenbank March Tuggen Raiffeisenbank Muotathal Muotathal Raiffeisenbank Waldstätte Brunnen Raiffeisenbank Yberg / Oberiberg / Unteriberg Oberiberg Schwyzer Kantonalbank Schwyz Sparkasse Schwyz AG Schwyz


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Have you been prescribed Januvia® or Janumet® for treatment of diabetes mellitus type 2? Have you suffered severe pancreatitis or developed pancreatic or thyroid cancer? There may be a link between your use of the medication and your illness. Let us help you protect your legal rights.
At the law office of Rudolph F. X. Migliore, P.C., in Commack, we bring three decades of legal experience to injured people across Long Island, Suffolk County and Nassau County. We strive to provide first-class professional service at all times, listening carefully to your concerns, and aggressively protecting your interests throughout the legal process. We have served and are currently working as co-counsel with other experienced attorneys to investigate and prosecute medical product liability claims, including cases involving injuries tied to the use of Januvia® and Janumet®.
Januvia® is the trade name for sitagliptin, an oral medication prescribed to adults with diabetes mellitus type 2. It was developed, and is currently marketed in the United States by Merck & Co. Janumet® is a combination pill that also contains metformin, a diabetes medication that suppresses glucose production by the liver.
In cases involving dangerous or defective products, including prescription drugs, you may generally seek damages against anyone in the "chain of distribution," including the manufacturer, any testing lab or facility, the doctor or physician who prescribed it, a pharmaceutical sales representative, or a hospital, clinic or pharmacy that dispensed it.
In 2009, the U.S. Food and Drug Administration (FDA) mandated a revision to the warning label on both Januvia® and Janumet®, requiring that it inform users of the potential risks of pancreatic cancer and thyroid cancer. The drug had already been linked to cases of severe pancreatitis. A study reported in the Journal of the American Medical Association (JAMA), in February, 2013, found that people using Januvia had twice the rate of acute pancreatitis as those who did not. Another recent study showed increases in pancreatic and beta cell mass in Januvia users. These factors are symptomatic of pancreatic cancer.
Our firm will conduct a thorough investigation of the facts and circumstances of your case, working with co-counsel to gather, evaluate and preserve all evidence in your case. We will help you seek compensation for all your losses, including wages and income, unreimbursed medical expenses, physical pain or suffering, and loss of companionship or consortium. You will always have direct access to one of our attorneys, so that you get timely and accurate answers to your questions.
Our law firm handle all types of cancer claims for people who have used Januvia® or Janumet®, as well as actions seeking damages for severe pancreatitis.
Our firm offers a free initial consultation to anyone with health concerns related to their use of the prescription drugs Januvia® or Janumet®. We will carefully evaluate the facts of your case to determine whether you have grounds to file a lawsuit, and will oversee your claim through to settlement or verdict. Any fees you owe us for legal representation will be paid out of your final settlement.
To schedule an appointment, e-mail or call our office toll free at 1-888-980-RFXM.


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More Algae Action: OriginOil Plans to 'Milk' Algae for Oil
Really, what is it with algae all of a sudden?
OriginOil, based in Los Angeles, just announced another potential breakthrough in getting oil from pond scum. One big difference from the spate of recent announcements in the algae-sphere: Origin's new technology promises a better way to "milk" algae to extract their natural oils.
The upshot is that Origin uses electrical pulses to get at the oil inside algae without killing them, leaving them alive to produce more oil. Other processes rely on "harvesting" the algae…