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Macomb County Criminal Defense Attorneys
If you are in need of a respected and reputable criminal defense attorney in Clinton Township who achieves outstanding results in the 41B District Court, look no further than the defense team with LEWIS & DICKSTEIN, P.L.L.C.
The 41B District Court in Clinton Township has three judges. The judges are Hon. Carrie Lynn Fuca, Hon. Linda Davis, and Hon. Sebastian Lucido. Matters addressed in this District Court are misdemeanors and felony charges that occurred in Mt. Clemens, Clinton Township, and Harrison Township.
Reputation and Results
The Clinton Township Criminal Defense Attorneys with LEWIS & DICKSTEIN, P.L.L.C. have a reputation in the 41B District Court as passionate advocates that obtain outstanding results for their clients. Judges, prosecutors, and police officers are aware that our elite criminal defense team is professional and well-prepared to counter criminal charges and demonstrate a solid defense for our clients.
Criminal Charge – Misdemeanors and Felonies
The types of criminal charges that are heard in the 41B District Court are felonies and misdemeanors. However, felonies are initiated at this court level, but are adjudicated in the Macomb County Circuit Court. Offenses like Assault and Battery, OWI/DUI, Possession of Marijuana, Retail Fraud, and Disorderly Conduct are a few kinds of misdemeanors. Offenses such as Felonious Assault, Child Pornography, Larceny over $1000, Credit Card Fraud, and Criminal Sexual Conduct are some common felonies. The difference between misdemeanors and felonies is the punishment level. Misdemeanors are punishable by up to one year in the Macomb County jail and/or up to two years on probation. Felonies are punishments that may exceed one year and could include jail or prison time and up to five years of probation. Some felonies may merit a jail sentence of life.
Hiring a tenacious defense attorney with the know-how and successful track record in the 41B District Court can often reduce or avoid a jail or prison sentence for misdemeanor and felony charges. Our goal is to obtain a dismissal of all charges when possible.
Defense Attorneys in Clinton Township
Hiring a Clinton Township Defense Attorney with LEWIS & DICKSTEIN, P.L.L.C. guarantees that you will have an attorney that is highly experienced in the 41B District Court with an unrivaled scorecard of wins. Our reputation and performance in this district court are well known throughout Macomb County and allows us to obtain remarkable results. There are dozens of criminal defense lawyers in Clinton Township. However, none can compare to our specialized team of criminal defense attorneys that are dedicated to your defense in the 41B District Court.
Call us today at (248) 263-6800 for a free consultation, or complete a Request for Assistance Form and we will contact you promptly.


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I want to thank Bethany House for providing me with a copy of The New Believer's Guide to the Christian Life. All opinions are my own.
I am a huge believer in the fact that our teens (and our children) need to be well-versed in the Bible. They need to know the Bible better than anything else. It's why I wrote Bible Road Trip, and the reason I read through the Bible and do BRT with my own teens.
In addition to reading the Bible with my boys, I like to read through books on Christian living, Christian history, and theology with them. I think these books about the Christian life, our family history, and about God are important as well.
In the summer I pick several books that fit in the above categories and assign them for summer reading so the boys will become accustomed to reading these types of books on their own as well. This past summer books like Visual Theology, The Screwtape Letters, Rebels Rescued, and Bitesize Theology all made the list. For the coming summer, I've found a great read for my boys.
The New Believer's Guide to the Christian Life by Alex Early
Alex Early's The New Believer's Guide to the Christian Life: What Will Change, What Won't, and Why It Matters (Bethany House, 2016) is a great primer on what it means to be a Christian. Alex Early is the Pastor of Preaching and Theology at Redemption Church in Seattle. He has a Master's degree in Specialization in Christian Thought Theology from New Orleans Baptist Theological Seminary, a Master's in Aspects of Biblical Interpretation from London School of Theology, and a Doctorate in Intercultural Studies from Western Seminary.
The New Believer's Guide to the Christian Life does a really good job of explaining to teens (and new adult believers as well) what the Bible has to say about the Christian life.
I appreciated the fact that Early grounds his teaching on the Christian life in Scripture. There are lots of quotes from the Bible, and many references to Scripture after statements he makes. As a reader, I was never left wondering where he got his information, or if he had just pulled something out of a hat that sounds good.
I also appreciated that the book focuses on our identity in Christ and how that impacts how we live for Him. It's not just a book about Christian disciplines. It's a book about why we do the things we do as believers. These are things our teens need to understand are grounded in Scripture and their relationship with Christ, not just Church traditions that are expendable.
The New Believer's Guide to the Christian Life is narrative, down-to-earth, easy to read, and grounded in Scripture. It covers both God's love for us, and the way we express our love for Him. It's a great read for the new (or young) Christian seeking to live a life in relationship with Christ and with His body, the Church. I highly recommend the book for your teen.
Chapters in The New Believer's Guide to the Christian Life
- We Work From Not For Our Identity
- You Are a Beloved Child of God
- Quit Praying for God to Use You: Real Relationship
- Don't Fake it With God: Real Prayer
- Real Obedience
- Baptism: Cleansed
- Church Membership
- Life in the Church Community
- What about My Money
- Conclusion: What Maturity Looks Like
Purchase The New Believer's Guide to the Christian Life at
Amazon: The New Believer's Guide to the Christian Life
Christian Book: The New Believer's Guide to the Christian Life
Also purchase by Alex Early:
The Reckless Love of God: Experiencing the Personal, Passionate Heart of the Gospel
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2020 Certified Educators Job Fair: February 29
Consider joining the Forsyth County Schools Family!
Representatives from all 40 of our schools will be present and eager to discuss opportunities for the 2020/2021 school year. Attendees should bring resumes to distribute and plan to remain as long as they are able so that they may visit as many schools as possible. This is our primary recruiting event and is for certified positions only (not paraprofessionals).
Details Available @ Eventbrite
*Registration Available @ 8 AM this Saturday!
Search Current FCS Job Openings!
FCS serves over 50,600 students and is the largest employer in the county with 7,643 full/part-time employees and substitutes. Since 2000, our student enrollment has grown 215%. We have built 23 new/replacement schools and all existing schools received additions/modifications. For 2019-20, we are home to 38 schools – 21 elementary, 10 middle, 6 high, and 1 college and career-high school. By 2022, we will open 4 additional new schools and a new Academies for Creative Education (ACE).
Search At: https://www.forsyth.k12.ga.us/Page/50329
Upcoming Schedule
October 13, 2020
4:00 PM Board Work Session
October 20, 2020
6:00 PM Regular Board Meeting
October 22, 2020


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This form is for entering bike month events (May or June, depending on your state) for display on the League's Connect Locally map.
Events entered via this form will not appear on the map until they have been reviewed by League staff. Member organizations can log in to enter events, and those events will
appear on the map immediately. Member organizations can post their events year-round.
* denotes required fields


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AO Black Friday is set to be big. So big, in fact, that we've already started keeping an eye out for deals and discounts in the lead up to the big day. And, so far, we've not been disappointed.
Among the best Black Friday deals currently available is an impressive £50 off Ring smart security cameras – perfect timing as we edge closer to winter and crime rates (inevitably) creep up. These super handy smart security cameras sync with your smart phone and make it easier than ever to keep an eye on your home, from any location. Just what you need if you're heading away over the festive season, right?
Want to learn more about smart security systems?
Considering venturing into the world of smart security, but not sure where to get started? We've answered the question: do you really need smart security cameras? Then, if you decide that you do, we'd recommend browsing our pick of the best home security systems.
We think a two pack of smart security cameras – which is what's on offer with this discount on the Ring Spotlight Cam Wired – is the perfect starting point for those looking to invest in smart security. Not only because they will allow you to keep an eye on your home from two angles, but also because it's not too much of a financial commitment.
Complete with night vision, two way audio and complete smart capabilities, it's a great model to buy, whether you're just entering into the world of smart home security, or want to expand an existing set up.
Ring Spotlight Cam Wired (Twin Pack)| was £349, now £299 | save £50
Looking to expand – or get started with – a home security system? The Ring Spotlight Cam is a great place to get started. View Deal
Ring Spotlight Cam Wired | was £199, now £169 | save £30
Have a small space, or want to test the water with a security system? It's also possible to pick up a single Ring Spotlight Cam, now with £30 off.View Deal


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Rising US-China trade tensions are raising alarm bells in export-reliant Singapore, with an index measuring economic uncertainty climbing to a five-month high in March.
The Economic Policy Uncertainty Index for Singapore increased to 155 last month from 126 in February, showing the tariff threats are starting to make their mark, Bloomberg reported.
Yet there's still reason for calm. The index is at a relatively low level given last year's easing in policy and political uncertainty in Brazil, South Korea, France and the UK, according to Steven Davis, an economist at the University of Chicago and one of the creators of the index.
"Those developments improve the climate for investment, employment and growth," Davis said in an email. "Concerns about US trade policy and the possibility of a major trade war between the US and China cut in the opposite direction."
The pickup last month is also a far way off the 141-point jump to 283 level in November 2016 amid US President Donald Trump's surprise election victory.
The uncertainty gauges, which were created by Davis, Northwestern University's Scott Baker and Stanford University's Nick Bloom, have been replicated for economies across the world.
Given that Singapore is a small, open economy and thus very reliant on trade, the Singapore version of the index tracks combinations of words such as "uncertainty," "economy" and "regulation" in newspaper articles in 19 of the city-state's major trading partners. The gauge is trade-weighted, so the US and China have the biggest impact on the index due to their volumes of trade with Singapore.
The Baker-Bloom-Davis Index has been credited with predictive power on an economy's investment, consumption and overall growth outlook, including in a January study by the International Monetary Fund.
With trade frictions continuing to simmer, the outlook for Singapore is mixed. "Trade policy tensions between the United States and China have worsened since the beginning of April," Davis said. "Unless these tensions subside very rapidly, it's likely that the Singaporean EPU index will rise again in April."


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Cathy A. Abrahamson, age 54, formerly of Oaklawn Avenue, Cranston, passed away on Saturday, May 18, 2019 at Rhode Island Hospital.
Born in Cranston, a daughter of the late William R. and Shirley A. (Howland) Abrahamson, she lived in Providence before moving to Cranston 15 years ago. She loved monkeys.
Cathy was the sister of James A. Abrahamson of Smithfield, David J. Abrahamson of Warwick and Shirley A. Abrahamson of Warwick. She is also survived by two nieces and a nephew and her dearest friends, Roy and Michelle.
Her funeral service was held on Thursday, May 23 in Barrett & Cotter Funeral Home, 1328 Warwick Avenue, Spring Green, Warwick. Burial was in Pawtuxet Memorial Park, Warwick. Visit www.barrettandcotter.com


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Getting in a vehicle accident, especially a large one involving a truck, can be scary and cause significant injuries and fatalities. If you are not seriously injured, you may still be quite shaken and confused after the event. Although the hope is that no one will have to go through this unfortunate situation, should you or someone close to you be involved in a truck accident keep in mind the following:
Types of Personal Injuries to Seek Compensation For
Have you been in an accident in the Ottawa area and sustained a personal injury? You may be wondering if an Ottawa personal injury lawyer can help you seek compensation for your type of injury. The good news is that attorneys who practice personal injury law are experts in all types of personal injury cases, including the cases below:
Common Summer-Time Accidents
In Ottawa, our long winters and short summers mean we make the most of the warm weather by enjoying numerous outdoor activities. However, when participating in summer-time activities, there is always a risk you could be injured in an accident. Dealing with an injury is no way to spend your time during this glorious season, so to help you avoid personal injury this summer, here is a list of common summer-time accidents and prevention tips:
Don't Leave Anything Else to Chance; Hire an Expert
Almost everyone will be involved in some type of fender bender at some point in their life. These are usually minor and often result in no damage or very little damage to either the vehicle or the people involved. Unfortunately, not everyone is so lucky and many families are devastated by serious car accidents every year. In fact, Transport Canada reports that, in 2010, more than 2200 people were killed in car accidents and another 170,000 were injured.
Tapping into the Knowledge of Personal Injury Lawyers
Property owners across Ontario, including Ottawa, are subject to the Province of Ontario's Occupiers' Liability Act. This means they are responsible for ensuring the safety of employees and visitors on their property. Should they fail to do so and someone slips, trips or falls on their property, they can be held liable and be required to provide financial compensation to the injured person.
5 Questions You Might Have About Hiring a Personal


text: Why HIIT is Good for Losing Weight and Burning Fat 09/24/2019 Blog category: Fitness Tips Working out is essential for losing weight and keeping your body healthy. But with a lot of different methods, how do you choose the right fitness routine? We model our classes on high-intensity training. Why? HIIT is verified as the best exercise for losing weight and burning fat. It incorporates heightened effort for a brief burst, followed by a period of active recovery. The harder you push during intervals, the more efficient your body becomes at burning calories—both during and after your class. Curious about trying a HIIT class? Try a free week at Farrell's Brooklyn Park. Try a free week 12 Benefits of HIIT HIIT classes are quick and work with for your schedule. Even better is what your body does after class is over. These classes spark afterburn by raising your metabolic rate. Simply put, you continue to burn calories after ending your workout—even while laying on the couch! HIIT routines add muscle and boost your metabolism. This helps your body burn fat for extended periods of time. Here are 12 more benefits of HIIT: Burns more calories more quickly Creates endurance Strengthens cardiovascular well-being Improves blood vessel capacity Promotes blood sugar management Increases oxygen intake Reduces resting heart rate and blood pressure Undoes age-related muscle decline Triggers human growth hormone production Develops fast-twitch muscles Improves brain function Fights anxiety and depression Related: What is Strength Training and Why is it Important? 12-Minute HIIT Workout You Can Do at Home Not close to a Farrell's? No problem! We've created a basic yet effective HIIT workout you can do almost anywhere. No equipment necessary! Do each exercise for 45 seconds, then rest 15 seconds between each move. Go through this circuit twice. Jump Squats Push-ups Burpees Alternating Side Lunges Mountain Climbers Plank Related: 6 Reasons Why Farrell's Nutrition Works! Lose Weight and Burn Fat with FXB If you want to burn body fat, build muscle and improve your cognitive health, HIIT is for you. Plus, it packs all the benefits of other exercises into short, convenient workouts. Want to get started with a fun and effective workout? Look at group fitness HIIT classes at a Farrell's near you! Back to Blog


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Certified eMail, a service that provides a permanent record of each email being sent. Messages are sent via webs browser and can be received using any standard email client.
Through nearly a year joining to the company?s stock, this music remixing editor has been received a lot of good comments from various prestigious download sites.
Audio4fun Community has officially announced the release of Movie Morpher 2.0 at Audio4fun VIP Store Center
The newly- released Movie Morpher software has satisfied the current need of those who work in voice dubbing industry.
Latest version of movie editor line - AV Movie Morpher Gold 2.0 is now released at Media Morpher Center www.mediamorpher.com
An innovative American company has come up with a simple but effective solution for destroying the confidential data stored on optical discs. The makers also claim their 'Disc Eraser' is the greenest product on the market.
Brain training is no longer restricted to handheld devices now that Brain Workout for PC has been launched.


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19 Aug R is for… Roof Types
Converting your loft is one of the easiest ways to create extra living space in your home. It's also one of the best ways of ensuring that the value of your house rises in proportion to the amount you spend. However, before you can make a start on any building work for your loft conversion, you'll need to determine which type of roof your house has. For that reason, our A to Z guide will focus on roof types this week.
Work out what type of roof you have
Your ability to have a loft conversion depends on various factors, one of which being roof type. It's therefore of utmost importance that you determine what type of roof your house has, as this will give you a better idea of how the loft conversion will look once the work is completed, and may influence your decision over what to do with the extra space.
Hipped roofing
The great thing about hipped roofs is that they come with in-built rafter supports which are ideal for loft conversions. A hipped roof is characterised by the sloped surface on all sides. You will easily be able to convert your loft if you have a hipped roof. However, the space for conversion will be rather limited with regards to headroom, so be prepared to make the most of every nook and cranny.
This type of conversion would really suit a home office, or storage space. If you're planning to convert your loft into a master bedroom, you'll have to bear the varying head height in mind when deciding where to put the bed – you don't want to constantly be banging your head getting in and out of bed every day.
Truss roofing
This type of roof is common on modern day houses and is best defined by the W-shaped beams (or trusses) that support the roof canopy. The problem with this type of roof is that the trusses will often have to be modified which in turn weakens the entire structure of the roof. For that reason, it is not ideal to have loft conversion work done on this roof type. If you are serious about converting the loft to maximise your house space potential, the best way to do this is to replace the existing roof with a hipped roofing structure.
Gable roofing
If you're looking for a large room loft conversion, then gable roofing is ideal. This roof type is supported by gables (high walls) in at least two of its sides. In comparison to a hipped roof, a gable roof will offer you plenty more scope for what to do with the room as there will be far more space created.
If your home has gable roofing, you can use the completed room for pretty much anything you like. Although master bedrooms tend to be the most common type of loft conversion, you may wish to use the space for a children's playroom, a home office, bathroom or even a home cinema.
What next?
Once you've determined which roof type your house has, you can decide whether or not to go ahead with the loft conversion. It's now time to talk to the experts – ask advice about how you can maximise the potential of your converted loft.
Econoloft has over 40 years' experience within the loft conversion industry. Our gallery provides lots of design inspiration while our client testimonials give you a better idea about our expertise and professionalism.
For more information or to book your FREE estimate, contact Econoloft today on FREEPHONE 0800269765 or fill in a call back form and we will contact you when it's convenient.


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Look at the image to your left. How does it make you feel?
With luck, the smiley lady in the picture will have made you smile in return, because smiling is reflexive – we instinctively mirror other people's smiles as a way to test how genuine we think they are. If you did smile, the simple act of doing so should have made you feel just a little bit better than you did a minute ago. Even better, it should have triggered some microscopic internal changes that should have decreased your stress levels and might even help you to live a little longer. And to anyone watching, you should immediately have appeared better-looking and more competent.
That's a lotta good stuff from a simple twitch of a few facial muscles.
I started to think about smiles as I was researching last week's post about eye behavior, when I read that when we hold another person's gaze, we could be signaling love, fascination, a threat, or hatred – we tell the difference by using secondary facial cues. It felt right. Nothing telegraphs great chemistry better than a shared glance followed by a warm, intimate smile.
If you have seven and a half minutes to spare, you might enjoy this TED talk by healthcare entrepreneur Ron Gutman, called The Hidden Power of Smiling. It's packed with good stuff, but my favorite line is that British researchers found that one smile can generate the same level of brain stimulation as up to 2,000 bars of chocolate.
If you don't have seven and a half minutes to spare, my takeaway from Mr. Gutman's talk and a few other helpful papers I found online are:
Smiling makes us feel good because it stimulates our brain reward mechanism. It triggers the release of serotonin in our brain, increases the level of mood-enhancing hormones like endorphins, and reduces the level of stress-increasing hormones like adrenaline, dopamine and cortisol.
The feelgood chemical changes brought on by smiling are also good for our health because they relax our body and can lower our heart rate and blood pressure. The endorphins also act as a natural pain reliever and the serotonin as an anti-depressant/mood lifter – and not a prescription in sight.
Smiling makes other people feel good. Seeing an attractive smiling face activates the area in the brain that processes sensory rewards – another person smiles at us, and we feel rewarded.
Smiling is contagious. As part of a wider study in Uppsala, Sweden, subjects were shown pictures of smiling faces and were asked to frown. They reported that it took a conscious effort to receive a smile and return a frown.
Smiley people are perceived to be more competent, according to a study at Penn State
Smiley people appear better-looking and more attractive, according to a 2011 study by researchers at the Face Research Lab at the University of Aberdeen. Both men and women were more attracted to images of people who made eye contact and smiled than people who did not.
So here's my thought for today: if you want to write convincing happy, healthy, attractive, long-lived, competent characters, you could do a lot worse than to give them a great smile.
Even better, writing about them, and reading about them, will make you smile, too, and that can only be a good thing.
Share a little good mojo with other 8LW-ers today. What (or who) makes you smile?


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Unemployment causes
There are three main causes of unemployment, the first is cyclical unemployment which is unemployment arising from a lack of aggregate demand. Demand for most products are likely to be low and unemployment may be high. Since not a lot of people are buying a product, firms do not need as much labour and will reduce it leading to unemployment. This in turn will lower disposable income and decrease demand for certain products, hence its cyclical title.
While cyclical unemployment arises due to the demand of labour, problems may also arise from the supply of labour. It may be that although there are job vacancies, employers are unwilling to employ because the people who applied lack sufficient skills. It may also be the case that there is a high level of immobility of labour. An example of this is if there are job vacancies in one part of a country, but the vast majority of the unemployed live in another part. These are characteristics of structural unemployment, unemployment caused by the decline of certain industries and occupations due to changes in demand and supply.
Immobility of labour also contributes to frictional unemployment. This is short-term unemployment occurring when workers are in-between jobs. This is not as serious as the previous causes of unemployment because it lasts for a shorter amount of time. Frictional unemployment however is always likely to exist within an economy. This is because it may be a seasonal job such as ice-cream sellers.
The consequences of unemployment
There are six main consequences of unemployment:
Lost output
Having people who are willing but unable to work is a waste of resources. A
country is therefore not maximizing its output so living standards and international competitiveness is lower than what it ought to be. Lost tax revenue
Unemployment means that there is a lower revenue gained from income tax. The potential tax revenue could be spent on improving healthcare or education. Such spending would increase the productivity of the country and the general living standards. Government spending on benefits
Spending on job seeker's allowance will go up the more people there are that are unemployed. This represents a larger opportunity cost which could limit the spending on key areas such as health. Pressure on other forms of government spending
Greater unemployment may also lead to more crime or mental health problems, which requires more government spending to solve. Costs to the unemployed
The unemployed may suffer from social disadvantages and will suffer from a loss of income. There may be increased arguments within households and/or a sense of worthlessness and aimlessness. Children of the unemployed will struggle at school because they may have less access to tools needed at home. Hysteresis
This is unemployment causing unemployment. The longer someone is unemployed, the more likely that employers will see them as unemployable. This is because staying out of work for a long time indicates that they may not be good workers. Also, employers may become rusty and out of touch with advances in methods and technology. The costs for other economies
Unemployment is likely to reduce trade in exports because of a decreased output. This in turn lowers AD and may cause even more unemployment.
A country may experience immigration from countries with high and rising unemployment. This is beneficial for countries with an ageing population and a shortage of labour but may soon become overbearing and place burdens on healthcare, transport and housing.
The benefits of unemployment
For some, unemployment gives people time to search for more rewarding occupations. It also allows firms to expand their businesses through the potential increase in recruitment.
A decrease in the number of workers can lead to a fall in the general price level. In addition, workers are discouraged to take industrial action or push for wage rises in a high unemployment economy because they can be replaced for someone who is willing to work for a lower pay.
The significance of unemployment
Unemployment is only significant if it is at relatively high levels and if it lasts for a long time. If this is the case, governments will have to spend more money on providing benefits to combat this. This means that they are presented with a huge opportunity cost regarding budget spending.


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To complete Saturn's product overhaul, the company will add the compact, sleek-looking Astra (above) in late 2007 as a 2008 model, replacing the unloved and unlovely Ion (below right) that was introduced for 2003.
Making its official debut at the Chicago auto show, the Astra is the latest in Saturn's product synergy between European Opel and U.S. Saturn products, and this one doesn't even get a different name for North America. It will be nearly identical to the 2007.5 Opel Astra (below left) and sold in the U.S. and Canada in both three-door and five-door configurations.
Five-door models come in two trims, XE and XR, while the three-door comes only in up-level XR trim. 16-inch wheels are standard (17s optional) on five-doors, while 17s are standard on three-doors with an 18-inch option. Welcome safety gear includes standard anti-lock brakes and available stability control (standard on the three-door, optional on the five). Supposedly the handsome and expensive-looking interior is unchanged from the Opel's, which was not the case in the Opel Vectra-to-Saturn Aura transformation.
All models will be powered by a 140-hp 1.8-liter Ecotec four-cylinder connected to either a five-speed manual or a four-speed automatic. The new, much stricter '08 fuel economy ratings should put the Astra's numbers around 23 city and 31 highway (roughly equivalent to 27/34 by '07 fuel economy standards). Unfortunately, we don't get the 200-hp 2.0-liter turbo and the six-speed manual that are available in the Opel.
Prices should start around $16,000 for the Astra when it goes on sale this fall.


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The Football Earned Run Average is real football analysis of pro football statistics, scores, and handicapping. This special algorithm measures a teams performance at the LINE OF SCRIMMAGE as best as can be done after film analysis with a comprehensive statistical analysis of a team's performance.
Monday, January 18, 2016
2015 Season Football ERA Formula Trends
Our annual Regular Season Football ERA Formula Trends:
Defensive Report Card and Pass Disruption Trending:
Source: The Football ERA Formula via RealFootballAnalysis.com
Labels: 2015 Regular Season Football ERA Formula Trends discussed detail weekly podcast Pass Pressure Pass Disruption Trending Defensive Report Card Real Analysis Statistics Statistical Analytics Stats
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Most people are not very good when it comes to saving money. If faced with an unexpected $400 expense, a staggering 44 percent of adults say they would be unable to pay or would borrow or sell something to do so, according to a recent report by the Federal Reserve. Building a financial safety net, however, is often the first step to financial security. Not only does it protect you from sinking into debt when calamity strikes, it can also help you create habits that improve your overall financial health. A credit union Amarillo TX can help you get started on an emergency fund, along with these tips:
Open a savings account at a credit union.
The first step to building an emergency fund is opening a savings account. Credit unions often provide products and services, including savings accounts, on more favorable terms than banks. Credit union savings accounts usually feature low or no fees, no minimum balance requirements, and higher savings rates. The average bank savings account has a 0.06% annual percentage yield (APY), while a credit union savings account usually earns at a much higher rate. All of this means you can open and maintain an account easily and grow your savings faster with the help of a credit union.
Develop a goal and track your progress weekly.
Develop a savings goal that is specific, achievable, and time-based. A good rule of thumb is to have between three and six months' of expenses saved in an emergency fund. While it's important to have a specific target, you also need to create a timeline. This will help you determine exactly how much money you need to set aside every month. Dedicate one day a week to sit down and monitor your progress against your target. Although progress may seem slow in the beginning, weekly check-ins will keep your savings goal in sight and help you stay on course to reach it.
Set up an automatic savings system.
For many people, saving money for an emergency fund is an afterthought. If you find it difficult to contribute regularly into an emergency fund, consider setting up an automatic savings plan. If you have a direct deposit with your employer, you can often arrange to have part of your paycheck directly deposited into your savings account. If this is not an option, you can set up recurring transfers from your checking account to a savings account through your financial institution. Once you set up automatic transfers, you can let your savings grow unattended. It's a good idea to set up automatic transfers around the same time your earnings arrive. This way, you won't miss money that you don't have the opportunity to spend.
To learn more about how a credit union Amarillo TX can help you reach your savings goals, visit your nearest branch of The People's Federal Credit Union or contact us at 806-359-8571 today.


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29 strange that with such this hard work ice & exposure shivering & [one] [should] [ ] freezing almost know nothing of sore throats & what are called colds. My shoes are about worn out by the cutting action of the [disintegrating] surface of the glacier & my feet have been wet every night but no harm comes of it. So also can drink a full quart of strong tea morning & night with nothing but good effect Improved this morning on making tea [ ] the gl [glacier]. It was cold
& I at first thought I should take [a] the ordinary cold breakfast hard tack & ice water. But concluded to try to make a cup of tea [if possible] to do & this I [succeeded in doing] [contrived] without getting out of bed. I had a cup of water by my bedside, I reached over the edge of my sled got hold of a little cedar [pole] stick that [I have been carrying to measure gl [glacier] motion] I thought I might need whittled a lot of shavings from it then set fire
Date Original
Original journal dimensions: 8.5 x 13 cm.
Resource Identifier
Holt-Atherton Special Collections, University of the Pacific Library
Rights Management
To view additional information on copyright and related rights of this item, such as to purchase copies of images and/or obtain permission to publish them, click here to view the Holt-Atherton Special Collections policies.
John Muir, journals, drawings, writings, travel, journaling, naturalist


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One more yoga holiday was shaped with joy, love, curiosity, authenticity, spontaneity, cleansing and laughter ~ Retreating on PAtmos is pure magic.I would like to thank everybody who participated and added a sparkling spirit into our process. ?~ now the healing water of the island is cleansing my inner space. I feel ready to welcome Read More
Category: Retreats
Inhale the Mountains Retreat
Winter Adieu! Pure bliss mountain Retreat 20 – 23 June | Grossarl Valley Inhale the mountains with me. Inhale with me the freshness of the blossoming nature. Connect to the blissful surroundings of Grossarl at this time of year. The " inhale the mountains retreat" is a great getaway blended with Read More
mastering our time
Mastering our time Hommage on the summer retreats! Program is ready. Click here to join me! Every day… waking up, moving fast, doing so many things at once, having one day to accomplish expectations, goals, dreams and at the end we have done too much Testes examination : size and consistencyable Read More
Your Summer Retreats
Mindful yoga retreats to celebrate summer _ Share with me four wonderful destinations and enjoy four unique summer escapes _ Summer yoga retreats best tailored for wonderful people! Choose a retreat that touches your heart the most, join us and embrace the spirit of summer! A. Fly with me _ Breath with Read More
Lanzarote here we come!
Lanzarote here we come! For once more we will be having a great time together, sharing quality time together , laughter, mindfulness, intelligent discussions, fun and so much more.. With our smiling faces, we come again to experience a magic yoga retreat, a unique holiday. Being embrace by the beauty of your nature. Read More
Pure Bliss Retreat | Lanzarote
19 – 26 February 2019 Pure bliss yoga retreat. Join us and dream with me … Let's escape the grey rainy winter… diving into pure bliss…exploring the majestic Lanzarote with the pure bliss yoga retreat taken from the AMD website www.infodiabetes.it The study, by its nature, Is not able to say if theimpairment Read More
Carry me to the sea | Take me to Patmos Island!
Let's retreat_ step out of the norm _ out of the routine and the speed of daily life_ Let's catch our yoga mat and move to the south _ to the Aegean Sea _ to Patmos island_ Here life is as simple as we wish it to be_ fly with your yoga mat Read More
Lanzarote Yoga And Trekking Magical Retreat
25 FEBRUARY – 2 MARCH 2018 Lanzarote | Canaries Offer to yourself a week-long yoga holiday on the island of Lanzarote and return back home with memories that will last for a life time! THE LANZAROTE EXPERIENCE I experience and transmit the knowledge of hatha-yoga as a way to integrate and enhance various Read More
revitalising spring retreat on Patmos island ,Greece
20 – 25 MAY 2017 Patmos: A Breathtaking Balance of beauty and sanctity Join us for five days of yoga and recreation on the sublime island of Patmos and let yourself give in to an inspiring dialogue with yourself and your body. While being surrounded by the serenity, the smells and the freshness Read More
upper back * when polishing our winds the soul sings
During an intensive seminar in February, I have chosen to work with the importance and the symbolism of the "upper back" in the practice of postures. What does the back of our body represent to us? The unknown, a sense of protection? And how do we relate to the world around us through Read More


text: Remote-controlled vehicles, personal drones have in the past most often been used for still and video photography -- the devices can achieve vantage points that are difficult or impossible to access otherwise. Potential applications for personal drones include home security, child monitoring and the creation of virtual tours, among a great number of other possibilities. Programmable drones are expected to create a further market for specialized mobile apps.


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Special offers and last minute
Want to go on vacation?
Here you will find a wide selection of offers and vacation packages for your summer or winter holiday in Selva in Val Gardena - Dolomites.
Val Gardena Super Première
4 overnight stays, 4 day ski pass and ski equipment hire and you only pay for 3 days!
In the ski schools you will receive private tuition (3 consecutive hours) - for the price of 2. This super offer is valid for all accommodation facilities taking part in this offer (marked with a special symbol). If you spend 3 days with us, we will give you day number 4 for free and if you spend 6 days with us, we will give you 2 extra days at no additional cost.
- First overnight stay: 04/05.12.2020
- First valid ski pass day: 29.11.2020 (the lifts Val Gardena/Alpe di Siusi and the Sellaronda open from 05.12.2020)
- Last overnight stay: 19/20.12.2020
- Last valid ski pass day: 21.12.2020
- Last valid day for ski pass purchase: 18.12.2020
- When the first snow falls... this is when your holiday begins!
You need to have a voucher from your hotel/guesthouse to avail of the offers above.
When using the availability search on this site with a minimum of 4 days, remember to deduct the cost of one day from the total sum given.
Val Gardena Super Sun
The offer is valid for accommodation and ski pass at all the accommodation facilities participating in this offer and are marked with a special symbol. The offer is valid from March 21st, 2020 to the end of the season (April 13rd, 2020).
- 7=6 - 7 nights for the price of 6
- 6=5 - ski pass and ski hire for 6 days for the price of 5
To qualify for your free ski pass day, please get the relative voucher from your hotel/guesthouse.
- First overnight stay: 20.-21.03.2021
- First valid ski pass day: 20.03.2021
Attention: When using the availability search on this site, with a minimum of 7 days, remember to deduct the cost of one day from the total sum given.
Important information:
The special offer Val Gardena Super Sun is only valid in combination with a stay in one of the participating accommodations. If clients avail of the free day in the accommodation (7 days at the rate of 6), they will get the free day ski pass and ski rental presenting a special voucher respectively in the ski pass office and in one of the participating ski rentals. The promotion cannot be accumulated with the special offer Val Gardena Family Special.
Val Gardena Active
This weekly programme is designed to give you an overview of what you can find in the stunning Val Gardena area during the summer and winter. We would be glad to create an individual programme for you in order to enjoy a perfect vacation. For guests staying in Val Gardena Active accommodation (with symbol), all the events and activities are for free or for a reduced price (except children's programs).


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Pinterest expands customized procuring suggestions
Pinterest right now launched a sequence of recent instruments to assist retailers promote their merchandise, together with Catalogs, which lets anybody add and convert their complete product catalog into shoppable Pins. Beforehand this characteristic was solely accessible to pick manufacturers working with Pinterest, head of procuring product Tim Weingarten informed VentureBeat in an e mail.
A Associated Merchandise characteristic is being rolled out now and can seem below product Pins to showcase stock uploaded by manufacturers.
Customized procuring suggestions have been additionally expanded right now to serve up outcomes that resemble particular person customers' saved pins — primarily based on the accessible stock from retailers with shoppable Pins. Customized procuring suggestions shall be seen on the house web page of Pinterest customers' apps and in Type, House, Magnificence, and DIY boards.
Final fall, Pinterest reported that it had 250 million month-to-month energetic customers.
Picture Credit score: Pinterest
Pinterest Procuring Adverts have been additionally made typically accessible right now for retailers within the U.S., Canada, the U.Ok., Australia, New Zealand, and Eire. Adverts have been beforehand solely accessible to pick manufacturers, Weingarten stated.
Pinterest has launched a collection of options to carry manufacturers to Pinterest customers in recent times.
Lens Your Look, which helps you to take an image of an merchandise of clothes and discover related choices, was launched in 2017, whereas Store the Look was absolutely automated for the primary time final month. Lens, Pinterest's visible search engine, powers greater than 600 million searches each month.
Final month, Pinterest confidentially filed for an preliminary public providing (IPO), and it's anticipated to hunt a $12 billion valuation.


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Vancouver school trustees voted unanimously to remove a controversial sign from a West Side school June 24, but not before a generational divide seems to have split current and past school communities.
A sign at L'Ecole Bilingue bearing the name of 19th century mining magnate Cecil Rhodes will be removed immediately after two weeks of discussion among trustees and the neighbouring communities.
Built between 1910 and 1912 near Oak Street and 14th Avenue, the school was known as Cecil Rhodes School until the mid-1970s.
A tile plaque, made from a portion of the old school which was demolished several years ago to make way for a new school building, went up near the new school's basketball court in 2017 to recognize the school's former name and the former building's heritage status.
Born in England in the mid-1800s, Rhodes helped found the De Beers diamond trade and was a figure of tense political disdain in South Africa. Rhodes has been quoted in various publications, including the BBC, as having stated that the English were a master race and therefore entitled to vast wealth and land.
Some have linked his political influence and wealth as contributing to Apartheid in South Africa. A scholarship created after Rhodes' death — known as the Rhodes Scholarship — is given to international students to this day, allowing them access to education at Oxford University.
OneCity trustee Jennifer Reddy's June 10 notice of motion asking for the plaque to be removed was met with broad support from the current school community and from others with kids in nearby schools.
"Cecil Rhodes does not represent the values of our district nor contribute to the wellbeing of students, staff, families, and communities in our district," Reddy said June 10. "Any further upholding of names like CR in our district make us complicit in his legacy."
Karen Tsang has three kids enrolled at Lord Byng and Charles Tupper secondary schools, and another at General Brock elementary.
"We are seeing monuments to British imperialism and white supremacy come down all across the globe," Tsang wrote to trustees. "This is a good thing as it is a true path to living in harmony with those who've been horribly harmed."
Tsang's sentiments were echoed time and again at a June 19 committee meeting and in the days since Reddy's initial motion two weeks ago.
"I take my young son to play at the playground there very often, and I was horrified to learn that the tile plaque I've taken hundreds of pictures in front of commemorates such a vile human being," added Fairview resident Stacey Hamilton.
Some who attended the school while it still bore the name of Rhodes were opposed to the plaque coming down. Some suggested the plaque's removal is a mistaken attempt at trying to rewrite history, while others feel a sentimental tie to the name because of their time at the school.
Beverly Bjarnason attended the school from 1956 to 1961. Her written correspondence to trustees suggests Rhodes' name carries positive memories for her time at the school and for her fellow classmates.
"lt is always a slippery slope to try to erase history because if we fail to learn from history we are doomed to repeat it," Bjarnason wrote. "This history is of a great elementary school, great teachers, great memories and we will be happy to share them with you and speak up for this tiny remnant of our history. Just because Cecil Rhodes himself is not what we think of now as a role model, our elementary school was."
Former student Lynn, née Leonard, added this:
"That piece of flooring from the entry to the school is not about the imperialist Cecil Rhodes, it's about a wonderful place of education and memories," Leonard wrote. "Could we not just take a deep breath and let it be?"
Fellow Rhodes alumnus Peter Teevan said past school members have been branded as racists since the debate took off earlier this month, adding that his time at Rhodes was "multi-cultural and loving."
"To me, so far, this looks like a series of decisions only motivated by anger and judgement," Teevan wrote to trustees. "l don't pretend that Rhodes, the man, didn't deserve it. But I wasn't alive then, nor were those wanting this change. Why am I condemned for the sins of another?"
Several motions were introduced Monday night relating to the Rhodes renaming and school naming policies in the larger context. Anti-racist and reconciliation measures were also touched on, including a move that will see trustees only considering place-based names for new schools in the city.
Green trustee Lois Chan-Pedley introduced a notice of motion calling for a "colonial audit" aimed at improving board policies around reconciliation and anti-racism. Her motion asks for an interim staff report be returned to trustees by May 2020.
Trustees also approved an additional name for Crosstown elementary that will go into effect in time for the next school year. The move was made to incorporate a First Nations name into the school community.
Taken from the hən̓ q̓ əmin̓ ə language used by both the Musqueam and Tsleil-Waututh First Nations, Crosstown's additional name šxʷwəq̓ʷəθət references a mode of transportation used by the Musqueam. First Nations specifically used tidal patterns as a short cut to get between False Creek and Burrard Inlet.
The name was arrived at after consultation with the school's PAC, students and members of the Musqueam Indian Band.
A school district staff report translated the school's additional name as "the place from which one can catch the tide."


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Matt Morgan, Democratic candidate for Congress in Michigan's 1st, will represent Democrats on the ballot in November's general election after an incredibly strong showing in Tuesday's primary ballot.
Unofficial vote counts from 15 counties in the 32-county district indicate there were 15,000-plus write-in votes cast in the Democratic race for Congress; Morgan is the only candidate running as a write-in.
Grand Traverse County alone had 4,013 write-in votes cast for a Democrat in Michigan's 1st Congressional District. In 2014, zero write-in votes were cast in Grand Traverse County in that race.
In a formula set by the State of Michigan, Morgan must receive at least five percent of the total ballots cast in the race with the most votes in the Democratic primary in Michigan's 1st.
For example, if this year's gubernatorial race had 100,000 votes cast (which would be up 30-plus percent from historic midterm primary averages), the threshold for Morgan to make the general election ballot would be 5,000.
Each county's Board of Canvassers will meet Wednesday Aug. 8 to review ballots before sending to the Michigan Board of Canvassers. Once certified, Morgan will officially be the Democratic nominee for November's general election.
"Today's preliminary numbers speak to to the dedication and hard work of our volunteers and supporters," Morgan said late Tuesday evening. "This campaign's supporters did more than knock doors, make phone calls, and show up to vote. They led a movement that connected with voters who know that leadership is about more than politics. It's about finding representatives who understand what service means."
The Iraq War combat veteran and retired Marine, announced his campaign for Congress in April, 2017, but was removed from the primary ballot in April due to a technicality with his nominating petitions.
"This is simply more evidence that voters are paying attention, and that they want change. We're all so tired of the toxic, partisan environment. We need candidates who will take our values to Washington, rather than bringing Washington values to northern and upper Michigan."
Morgan is an Iraq combat veteran who spent more than 20 years as a career Marine officer and retired as a lieutenant colonel.
He completed two combat tours in Iraq and conducted counterterrorism work on the Horn of Africa.
Morgan also held senior staff positions at both the Pentagon and Marine Forces Command. He now lives in Traverse City with his wife, bestselling author Angie Morgan, and their two young sons.


text: Sometimes you get caught! What can I say? Nevertheless getting candid eye contact that includes a smile is still a street photo. Sometimes it works. Check out my upcoming street photography workshops if you're looking to get started in street photography or to find new methods of shooting street. They are always a maximum of 5 people.


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New York City (NYC)
EST 9.00am - 5.00pm
1 day (non-exam)
Use any version of MS Excel
- Learn more - NYC courses
- View map
What courses complement this one?
Intern Core Skills
To get a comprehensive understanding of our Intern Core Skills program, study over 3 days:
- Intern Core Skills Accounting Bootcamp
- Intern Core Skills Financial Modeling
- Intern Core Skills Valuation
Course details
Valuation Fundamentals
The session lays the foundations to build a solid understanding of corporate valuation in the context of investment banking. The most common valuation methodologies are introduced, explaining the difference between a company's fundamental value, and how much an acquirer would pay for the business. The concepts of enterprise value and equity value are explained, using simple but rigorous exercises. Finally, the basics of multiple valuation and discounted cash flow valuation are introduced. Exercises are used throughout the session.
Learning outcomes
- The importance of valuation in the investment banking industry
- Fundamental vs. transaction value
- Overview of the major valuation methods
- Trading comparables analysis
- Discounted cash flow analysis
- Transaction comparables analysis
- LBO analysis
- Enterprise vs. equity value
- Book values vs. market values
- Derivation of enterprise values using market values
- Derivation of enterprise values using a fundamental valuation approach
Trading Comparables Fundamentals
The session focuses on the details of comparable company analysis. Multiples are calculated on both a historical and forecasted basis and delegates will assess the value of the case company based on a given set of comparables. Public information books ("PIBs") are used throughout the session.
Learning outcomes
- Calculating the company's value
- Number of shares and value of share options
- Equity value
- Net debt calculations
- Enterprise value
- Calculating the earnings numbers
- Cleaning non-recurring items from earnings
- Calendarization issues
- Last twelve months analysis
- Calculating a range of forward looking and historical earnings multiples
- Revenue
- Other value driver metrics
- Applying the results
DCF Valuation
Delegates will assess and calculate the unlevered free cash flows of the target company and perform a discounted cash flow analysis on the target company. The resulting value will be sensitized using data tables.
Learning outcomes
- Calculating unlevered free cash flows
- Calculating the terminal value
- Growing perpetuity
- Multiples
- Introduction to WACC
- Building a discounting model
- Converting the enterprise value to equity value
"Using AMT Online (AMTO) was excellent as it allowed me to work through the course material at my own pace. AMT Online was very easy to use and navigate through." ~ graduate, leading business school
What you will receive on the course?
While this is a face to face training course, a blended learning approach is taken and delegates will be provided with access to AMT Online. Our study materials contain both the knowledge and practice materials required to assist with the learning process and help you in your job role. Course materials include:
- printed course binder with copy of the slides
- laminated summary sheets
- 24/7 access to DELTA online learning environment
- class recordings
- course notes
- quizzes
- electronic homework/study files
Who should attend this course?
- New hires who have joined the firm late and missed the in-house program
- Individuals looking to fill a knowledge gap
- Experienced bankers looking to refresh their technical skills
- Teams employed in financial strategy roles from non-banking corporations
- Graduates preparing to interview for a role in the finance sector
- Students at business school and looking for a career in finance
This course is non-residential. The venue will provide light refreshments. AMT reserve the right to cancel or postpone sessions or change content if registrations are insufficient to continue 2 weeks prior to scheduled commencement date. Registrants will be given at least 5 business days' notice of such changes.


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It is not very easy to look for a job after you have been out of the job market for a while. There are many things that have changed over the years and other things have stayed the same. Keep reading if you want to know the best way to go about looking for a new position.
Use social media to build and define your online presence. More employers are starting to factor in candidates' public profiles on the most popular sites, which include Facebook and Twitter. Update your privacy settings to ensure that any questionable images, updates and links are not visible to people outside of your network. Do not forget to change visibility settings for photos that have been posted by your friends.
When dealing with employees, especially lots of them, it is important to maximize their productivity. Think about it. If you have ten super productive employees, you can save yourself, hundreds of thousands of dollars on benefits and wages, as compared to hiring twenty or more employees. As such, find ways to maximize productivity.
You must always make sure to try to keep things professional and conflict-free with your fellow coworkers. Establish yourself as a team player. If people see you as contentious, you will not be promoted or get good raises.
Make sure that you go to your work early. If you experience delays, you should still arrive on time. If they see you're on time, they'll be greatly impressed.
Do not bring your phone with you when you are going on an interview. The last thing that you need to worry about is your phone ringing or people texting you on the day of your interview. You should only have one thing in mind on the day of your interview.
Include a cover letter when you are applying for jobs. This should include some information about yourself and why you are fit for the position. Cover letters make things more personal for the job that you are applying for and separate you from the rest of the pack who just include resumes.
Join professional organizations that relate to your industry. This is a good way to get your name out there and to boost your business network. Your membership in a professional organization gives you additional credentials on your resume that may make a positive difference in a hiring manager's decision to hire you.
While it is nice to have connections, remember that you should never think that someone else will get a job for you. You are your own best representative. Work hard to make your dreams happen. If you sit back and hope things will fall into place, they probably will not.
The Internet is a great resource, but you need to search for a job in other places as well. Social networking sites can sometimes help, but the best approach is to research companies of interest, find out if they have any available positions and get your resume out there for people to see.
If there is a job in the industry, you are interested in and you do not have a lot of experience in that area, you should contact companies and see if they are looking for interns. This will help you gain some of the experience you need, and it will let employers know you are serious about this career.
Curb your tongue during the first few months of employment. Remember, you are the new person. You may have a lot of great ideas, but if you stir the pot too early, you may never get a chance to set your ideas in motion. Your first job should be to get all those at your new work to like and trust you.
Create a reliable list of references. Almost every job application will have a spot for you to provide references. Streamline your application process by having your references and their contact information with you whenever you apply for a job or attend an interview. Try to have at least three references, and at minimum, include their job titles, phone numbers, and email addresses.
Make sure you let your friends and acquaintances know that you are on the job search. They may know of openings in your field, or may be able to suggest contacts that you may not have thought of. Many a person has found a job this way, and you could be next!
Offering bonus for good work or a large amount of sales can be a highly effective way of inceasing productivity. Who wouldn't be willing to go the extra mile for an extra couple hundred dollars? So dig into your pockets a little and you will find your pockets will actually get deeper.
Don't be dishonest during an interview. The interviewer might look into your information, leading to disqualification. Making false claims on your resume can lead to you being very embarrassed when you are asked to perform those specific tasks and cannot do them. Use your real talents and skills instead. If you need to lie about these abilities, the job is not right for you.
When using the search function to look for jobs, you want plenty of filters provided so that the search results that pop up are compatible with your needs. You don't want to have to weed through bad results. Make sure that you have plenty of filters available for selection.
Older job seekers benefit by being involved in professional social media. Be sure to set up a LinkedIn account or something similar and create a solid professional profile. Add this link to your resume so that your potential employers can check out your computer and social media skills. Understanding this type of networking is a valuable skill.
Now that you are armed with all of the information you need to snag a new job, it is up to you to do the rest. Make sure to have a well-written resume, plenty of experience and the right interview etiquette. A combination of all these things should help you secure a job in no time.


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Tuner company Oettinger presented in Germany a powerful Golf R modified in a police patrol vehicle.
In order to successfully mate the drivers who violate the law on the superfast autobahn, German police officers patrolling the highway network in that country need adequate patrol cars. With this in mind, Oettinger has upgraded the most powerful, "R" version of the Golf model by boosting the engine, improving the performance of car and installing police communication devices and additional sound and light signaling.
The exterior is also in the nuances characteristic of patrol police cars, and under the hood is an original four-cylinder 2.0 liter turbo gasoline that is enhanced with 90 hp, and now delivers 400 "horses."
Thanks to the extra power, the police Golf R accelerates from 0 to 100 km/h for only 3.6 s, while the maximum speed of the car is 290 km/h.
Modifications made by Oettinger include an aerodynamic package with front splitter, roof spoiler and accessories at vehicle sites, as well as a new exhaust system with 4 outlet pipes with a diameter of 90 mm.
In addition, new 20 inch aluminum alloy wheels with low-profile Hanhook tires are installed.
It is not known at this time whether this car will be found in a German police car park, as it was created as part of a campaign to increase traffic safety (Tune It! Safe!) that promotes the safe upgrading and modification of car models and is carried out under the auspices of the German Ministry of Transport and Automobile companies.


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"We provide full risk mitigation consulting"
Fire Risk Management Consulting
Quintech Fire Services prides itself with being a proactive fire service company. We work with our clients to design, implement and maintain a fire hazard mitigation and risk management program that meets specific needs, increases the operational safety and is targeted at reducing liablility.
One of our specialties is working with remote operations to custom design fire protection systems for clients who are not protected by a fire service organization or for those who have special needs that exceed the capabilities of a conventional fire service organization.
As a result of Quintech Fire Services clients may receive reduced insurance costs, and in some instances, become eligible for insurance coverage they were denied in the past.
Consulting Services:
All of our consulting services are conducted by highly trained and experienced firefighters. Initial consultations include a written report containing recommendations for reducing fire and hazard risks. Client-catered, cost-effective strategies can be designed and implemented by Quintech Fire Services to allow for scheduled installation of fire protection systems. Professional training and ongoing quality assurance promotes a high standard of emergency preparedness.


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At Oxaz, we are all great nature lovers!
Who are we? Created in 2018 in Montpellier (Occitanie Region, South of France), OXAZ is a company that brings together nature and outdoor enthusiasts.
Our ambition? Make you want to go out and enjoy the outdoors!
Our activity? Create accessories and equipment that enhance your comfort and possibilities during your outdoor experiences.
Our project? In the near future, market our very first product: the OVERCAP hood, awarded at the Sportup Summit competition in 2017. Other products will follow, because the OXAZ brand has several in its boxes!
Oxaz it's us…
Founder – CEO
and nature lover,
never goes out without his magnifying glass.
Textile Designer-prototypist
and active hiker,
never goes out without his camera.
Designer the week
and adventurer on weekends,
never goes out without his Sketchbook.
and you!
Super testers
and wise advisors,
never go out without Overcap!


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FC Schlid, Champions!
Jul 19, 2018
It was Monday night football as MarriedMan took on FC Schlid in a rescheduled fixture from Week 11 of the Arena Futsal League. This was the opportunity for Schlid to cement the League title and they began strongly, putting MarriedMan under pressure and creating numerous chances. Credit to MarriedMan, who kept their nerve and did give Schlid a few scares with their swift counter attacks led by Riduan and Yusali. Schlid made the breakthrough on 30mins with a delightful 1st-time volley from James Honda to open the scoring. It remained 1-0 at the break. The match continued in the same vein in the 2nd half as MarriedMan launched waves of counter attacks while Schlid spurned numerous chances to put the game to bed. Schlid were growing frustrated and the game came to life when Izzudin of MarriedMan had a shot that cannoned off the bar. Schlid went on the attack and Ben Backx slotted home to put the leaders 2-0 up. However, with 10mins to go, Riduan turned his man on the left wing and stormed into the box and had his shot saved by the keeper. To his relief, Fauzie was on hand to slot home the rebound with 5mins remaining. MarriedMan stormed forward in the final moments and they were rewarded with a last minute equaliser as team Captain Fauzie pounced again to level the scores at 2-2. Despite the result, Schlid are CHAMPIONS of the Arena Futsal League, Season 1. Congratulations FC Schlid!


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|History of Labour Day
Before 1961, May 24 was celebrated in Jamaica as Empire Day. The day was celebrated as the birthday of Queen Victoria, who was credited with granting slaves in Jamaica and the rest of the British Empire, their freedom.
The holiday also served the purpose of reminding Jamaica of the greatness and glory of England – the Mother Country. School children were required to attend school on the morning of the holiday to participate in the flag-raising ceremonies and in the singing of 'Rule Britannia', the British national anthem, 'God Save the King' and other British patriotic songs. In 1961, the then Premier, the late Right Excellent Norman Washington Manley, National Hero, presented a Bill in Parliament which abolished Empire Day as a public holiday and substituted instead, the commemorative celebration of May 23, 1938, when Jamaicans first declared their mass intent to seek freedom from colonial oppression. This day was called Labour Day.
From then until May 23, 1971, Labour Day was mainly celebrated by the trade unions in collaboration with the political parties to which they were affiliated, in the form of public rally meetings and marches. These were done primarily in the corporate area.
The late Prime Minister's invitation to the nation resulted in a tremendous national response and 600 projects, mainly of a beautification nature, were identified across the island.
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Typically, patios don't have a boundary or a wall. With the assistance of these basic ideas, you can construct a paver patio by yourself. Your patio is the very best location to achieve that. While building a stone patio, deciding upon the appropriate color and material is extremely important. If you've invested in your outdoor patio it's wonderful to have the ability to delight in the comforts longer in the autumn and even into the winter season with some additional heat. Circular shaped patios are very popular today.
To begin, let's discuss what you should construct your patio cover. Your patio cover is nearly complete now. Canvas patio covers are rather popular, very reasonably priced and extremely efficient.
If you're planting more than 1 tree, leave sufficient room for every one of them. As a result of this appearance, it is normally classified as an ornamental tree. It can be considered an ornamental tree, and may also be grown with the aim of shade due to its structure. Arborvitae trees are grouped into five different types.
It is possible to select plants according to your requirement. If you don't have these plants, get some from the neighborhood nursery. The plants have to be fed again after the vines have started running. Once planted, the exact same plants will increase luxuriantly for many years.
As a simple guideline, check for the atmospheric compatibility of your residence with the plants you select. The plants should poke through the sides in addition to cover the surface of the basket in order to reach a comprehensive covering of flowers and cascading foliage. As they are grown in a transparent medium, they are easy to maintain and have the looks to become the focal point of the room as well. Alternative tactics to shield your plants, are explained in this part. Bulk of the moment, it's been observed, that plants die not merely because of the chilling conditions but on account of the thawing effect. The plants have to be fed the third time after the very first fruit is harvested. Lithops plants are an excellent choice for anybody who would like to spice up their decor or landscaping, because they don't need much attention.
If you own a garden, a trellis will be an excellent accession to it. Or if your garden is a little hilly or landscaped uneven, you may earn a little stone bridge. Having a normal outdoor garden is for individuals that are fortunate enough to have enough land for planting flowers and vegetables. No matter the season, you can maintain a healthier indoor herb garden, wherein you're able to grow medicinal along with flavorful culinary herbs.
If you are working to update your backyard or patio and are on a small budget, there are a few really cool techniques to provide your space some personality without costing too much. Some backyards are in full shade and sometimes, based on the layout of your house, the front is simpler to access. If you own a backyard that's rarely being used, and you would like to maintain it on a standard basis, backyard decorating idea is going to be the ideal option.


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Can anyone tell me which bevmax this is?
Gretsching posted a topic in Beverage and Food VendingHey guys, I found a guy selling this machine, he says it's a Bevmax 4. Anyone know if that's what this actually is? Price is 2900 which actually sounds low to me for a 4, any input is much appreciated, thank you.
Thinking about purchasing a Bevmax 4
Gretsching posted a topic in Beverage and Food VendingI've been really interested in the bevmax 4 lately for a few reasons. First of all, it seems as though they're very reliable based on a lot of people's experiences here. Also, the range of products that can be vended seems very wide. My questions: are there any common problems anyone runs into with these machines? Also, I understand that they are in the range if 6-7000 brand new, but I can't seem to find anything used. If I do find something used as far as a bevmax 4 goes, are there any specific software updates that need to be made? Currently the only Glass fronts I own are AMS visi combos, which I do like, but they do seem to run a little loud which I'm not the biggest fan of.
Vendo Vue 40 vs. Dixie Narco Bevmax 4
UTvend posted a topic in Beverage and Food VendingHello, I have been researching various glass-front soda machines and have narrowed my choices down to the Vendo Vue 40 and Dixie Narco Bevmax 4. I currently operate snack machines but don't know much about glass-front soda machines. I intend to place the machine in an office breakroom with roughly 250 employees. My questions are as follows: 1. Which machine is best? 2. Are refurbished machines safe to purchase, or is it better to fork out the cash for a brand new machine? 3. What types of mechanical problems have you experienced or heard of? Any help or information you can provide will be greatly appreciated. Happy vending!
I recently acquired a couple of locations that deal with a lot more traffic than I am accustomed to. I use DN 501E soda machines in most of my location with the exception of a couple of DN 5591 glassfronts, Due to the higher traffic and higher profit potential of these locations, I began looking into the newer glassfronts with robotic arms. I picked up a Royal Vision RVV 500- 40 in pristine condition for 1500 a couple of days ago and am looking into buying a Bevmax 4 for 1100 thats in mint condition. This is a lot more than I'm used to paying for my machines but I am under the impression that this is a necessary investment if I want to keep up with any competition that might come along. I was wondering if you guys think this is a necessary approach to higher traffic locations, or should i stick with what I know and keep rolling out the older reliable dixie narco's. This is a big investment for me and i want to be sure that I am moving in the right direction. I can get 3 machines for the price im paying for one of the machines. Any advice is appreciated as I am looking to expand my business and knowledge is my greatest asset.


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Pine Forest Subdivision is between Bastrop and Smithville on HWY 71 an easy commute to Austin. A rare opportunity to live near 2 state parks in a community. In the area there is a swimming pool, golf, fishing, bike riding, and float trips down the Colorado river, then go shopping in the quaint towns of Bastrop and Smithville to keep your mine off the hustle and bustle of Austin.
Property Listed by: Buttross Properties
The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information from the Austin Board of REALTORS® (alternatively, from ACTRIS) from September 14th, 2020 at 4:00pm CDT. Neither the Board nor ACTRIS guarantees or is in any way responsible for its accuracy. The Austin Board of REALTORS®, ACTRIS and their affiliates provide the MLS and all content therein "AS IS" and without any warranty, express or implied. Data maintained by the Board or ACTRIS may not reflect all real estate activity in the market.
All information provided is deemed reliable but is not guaranteed and should be independently verified.


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I posted a few pictures on Flickr about this project but here is the full report.
I wanted a simple and attractive chain guard to go on a very special YiPsan cruiser for my lovely wife. Naturally, I could not find what I wanted so I made it.
Escape the Ordinary


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At 17 years of age Katelynn Phelan is already well on her way to emulating her two great sporting heroes: her brother Allan and Olympic gold medallist Katie Taylor.
After winning a bronze medal at the World Youth Boxing Championships in November, the Kildare welterweight is already delivering on the promise displayed when she first started with St Brigid's club in Kildare town as a six-year-old.
Phelan beat US fighter Aidyl Cardenas on a split decision in India to win bronze, an achievement that hardly seemed possible even a year ago.
At that time, wracked with nerves and struggling to convert her training form into meaningful international results, she turned to renowned mental toughness expert Alan Heary for help and assistance.
Phelan credits Heary for helping to realise her potential after she followed the methods espoused in his popular Going in the Zone programme. The transformation was a great relief to Phelan whose international odyssey began in a positive manner but deteriorated as outside influences made an impact.
"I used to get really bad butterflies before fights, but I've learned how to deal with them and make them work and flow the way I want them to, to try and… get control of myself."
It was all a far cry from the carefree days of 2015 when Phelan breezed to a bronze medal in the European Youth Championships on her first international expedition.
Then it was all a new and exciting world of possibilities but very quickly the extra burden of expectation began to inhibit her performances. Having reigned the Irish youth scene with serene aplomb – Phelan has won seven consecutive national titles – suddenly the elevated standard and her response to others began to sully the experience.
"In 2015 that would have been my first major trip away with team Ireland internationally. And I got a bronze medal then. I was confident in myself because I was more excited than anything, because I was never away on a trip, and then I got picked for Team Ireland.
"You get that bit of confidence [but] I always had those people that try and put you down and give you those negative talks, and unfortunately they were getting in at me.
"And then we found Alan Heary and he helped me to stop that negative people talk, and helped me to just change them around in a positive way. That's what helped me with these trips that are coming up recently," says Phelan, who is back in training for her next bout.
Katelynn didn't feel that Heary's methods bore instant fruit but those around her spotted an immediate change in her mood.
"Everyone else had seen it round me at the start, but I just took a little bit longer for myself to notice it. Because I had to just keep working over and over again on the different things he was teaching me, and that's the major part of it."
The upshot was that she began to enjoy her boxing again and looked forward to her quarter-final bout with Cardenas where once she would have feared it.
"I felt so confident. I was excited to get into the ring. I just could not wait to just get in and just fight, that's all I wanted to do.
The quarter-final was against the American girl. She was a very good strong girl. She kept coming, she kept looking for it, and I beat her on a split decision. It was amazing. I boxed her. I was using my brain more. I was thinking of different ways to box, and different skills to use."
She also emerged from her semi-final, which she lost to Russia's Ekaterina Dynnik, with a positive outlook. "Unfortunately she was just a better boxer on the day. It was still a very close fight and I'm proud of myself for getting in. So, I'm just so happy with it."
While Katie Taylor is an obvious role model, she looks closer to home for real influence. Phelan is quick to acknowledge the support around her in the form of her father Paddy and her brother Allan, whose resilience in the face of recurring shoulder injuries has been inspirational.
"Well, Katie's my female hero. My main, overall hero would be my brother. I just look up to him so much for everything that he's been through. "It's hard at times but if I need something or if I'm struggling with something, I know I can depend on them to help me because they know what it feels like, to go through it."
Phelan's next big appointment is the Under 18 National Championships in January after which, if successful, she will focus on the European Championships, the World Championships and the European Youth Olympics at the end of the year.
Given her progress to date, and the right mental focus, the Kildarewoman seems destined for further glory.
Alan Heary is recognised as one of Ireland's top mental fitness and performance coaches.
His individual sports clients include world record holders, professional athletes, world champions, Olympians, professional golfers and inter-county GAA teams.
His clients in boxing have included former world champion Steve Collins and currently number many top professional fighters in Ireland, Britain and on the world scene.
He is currently working with the FAI as a performance coach to the Irish Amputee Football team and is a coach tutor with Cycling Ireland for their coaches. At Roscommon GAA he has implemented his High Performance Team Development Programme for their coaches and teams.


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10:00 - 11:30 am EST
Against a background of many differing measurement conventions, the growth of international investment in commercial real estate demands transparency. Through case study material of real buildings measured using IPMS, explore, in detail, how properties will be measured and reported on under the new global standard measurement practice.
An open Q&A with the course instructor will focus on the impact of IPMS on the built environment and property professionals. This webinar offers an ideal opportunity for anyone affected by the measurement of property to ensure they're at the forefront of industry.
Course Content:
A PowerPoint presentation integrated with discussions and interactive activities, ending with an open Q&A
Continuing Education: 1.5 hours formal CPD
Price: $50.00
Kate Taylor, FRICS, Assoc CIPD, is a training and RICS Assessment of Professional Competence expert who has helped hundreds of candidates to success in her five years as Graduate Manager for one of the largest UK Graduate Surveyor schemes at central Government's Valuation Office Agency (VOA). Kate spent 15 years as a Rating Surveyor within the VOA and five years as a technical trainer delivering training to Rating Surveyors and technicians.
Additional Opportunities:
BOMA International and RICS also offer e-learning courses on IPMS. For more information, click here
For more information, contact Sara Harr, BOMA International's Manager of Education and Meetings, at email@example.com.


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More Vulcans Per Square Foot, Captain
December 2, 2005 12:37 AM | Simon Carless
Bay Area-based MMO firm Perpetual Entertainment is working on both the sandal-totin' Gods And Heroes: Rome Rising, and the 2007 or later-bound Star Trek Online, and it's just released the results of a Nielsen study conducted in September 2005, interviewing around 600 gamers of 'online gamer', 'Star Trek fiend', and 'vanilla gamer' persuasions on the forthcoming Trek MMO.
Particularly interesting was discussions of in-game race: "Our current slate of playable Federation races is Vulcan, Bolian, Human, Trill, Bajoran, Andorian, and Tellarite... As you can see, players overwhelmingly want to play Humans, Vulcans, and Klingons when playing as a Starfleet officer. In retrospect, I wish we would have included ex-Borg and Android as choices in the survey." And, really, who wouldn't want to be an ex-Borg? Also worth reading in the development logs is lead designer Glen Dahlgren's introduction, in which he suggests: "this project is the vehicle that is moving [the Trek franchise] into the future." Boldly?
Categories: PC


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Now a part of MyEyeDr.
Blue light and Your Eyes
Blue light Can Lead to Digital Eye Strain
Every single day, our eyes are in constant contact with light. However, this light is much more complicated than many give it credit for. The most obvious light individuals go out of their way to protect themselves from is sunlight, but your eyes encounter light when using your computer, phone, or even just by walking into a lit room. The light from the sun rays contains dangerous UV rays that can cause lasting damage to your eyes if you do not take the necessary precautions to shield them. However, many people don't know that sunlight is comprised of a wide range of different-colored light rays that possess different amounts of energy including red, orange, yellow, green, and blue light rays that combine to make white light. Blue light can be especially dangerous to your eye health if you are not careful.
What is Blue Light?
Red light rays have longer wavelengths therefore, less energy. Blue light, also known as high-energy visible (HEV) light, rays have shorter wavelengths which means more energy. They are typically found on opposite ends of the light spectrum. Some light that looks white can contain large components of blue light which expose your eyes to higher amounts of wavelengths from the blue end of the spectrum. Blue light can be found in several areas like:
- Fluorescent light
- Compact fluorescent light bulbs
- LED lights
- Flat screen LED TVs
- Computer monitors
- Smartphones
- Tablets
The blue light you are exposed to from screens is much smaller compared to the amount you are exposed to from the sun, but that does not always limit the amount of harm it can do. Long-term exposure to blue light from screens is a concern due to the duration your eyes are exposed to it and the proximity of your eyes to them.
The Pros and Cons of Blue Light
While too much exposure to any form of light rays can be harmful to your eyes, they are not always a bad thing. When it comes to blue light, there are plenty of benefits and dangers of exposure to blue light. While the cornea and lens of the eye are relatively effective when it comes to protecting the eye from UV rays, they do happen to let most of the visible blue light reach the retina. Therefore, it is important to limit the amount of blue light your eye encounters. Here are a few pros and cons of blue light for your eyes:
- Improves Memory and Cognitive Functions
- Improves Mood
- Helps regulate the circadian rhythm.
- Often leads to digital eyestrain or a decrease in contrast. Symptoms include sore or irritated eyes. Fatigue, dry eye, bad lighting, and poor posture can also affect the level of eyestrain.
- Leads to retina damage which in turn can cause age-related macular degeneration.
- Can disrupt the circadian rhythm. Too much exposure of blue light at night can disrupt the wake and sleep cycle and lead to tiredness during the day and trouble sleeping.
While it is true that not all blue light is bad, like all things, it is best experienced in moderation. The greatest source of blue light comes from sunlight. Sunlight is crucial to the growth, development, and health of young children as well as adults, so it would be bad for your health to shield yourself and your child completely from it. But if you are worried about the dangers of blue light, here are a few tips to protect your eyes from their rays:
- Limit screen time
- Wear yellow-tinted computer glasses
- Wear protective sunglasses in the day
- Wear anti-reflective lenses
- Use filters for your mobile devices that decrease the amount of blue light given off
With the increased number of screens our eyes encounter daily, the amount of blue light that hits our eyes also increases. Even though their rays can often help the development and health of your eyes, they can also lead to unwanted dangers. If you have been experiencing eye strain or any vision problems following extended screen use, schedule an appointment with the eye care specialist for an eye exam at First Eye Care North Arlington.


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SKAGEN releases the AAREN KULOR collection with an impressive pop color housed in a pair of his and hers box set.
Kulor means "color" in Danish which fits this colorful collection of Aaren , inspired by the colorful buildings in the Copenhagen Nyhavn district.
Red 36mm aluminum case, sandblasted dial with line and number indexes, second dial at 6 o'clock. Silicone straps of the same color can be easily exchanged with various 16mm wide straps with slide pins.
Red 41mm aluminum case, sandblast dial with line and number index, and a sub dial for the second hand at 6 o'clock. The same color silicone strap can be easily replaced with 20mm wide straps with a slide pin.
Waterproof: 3 ATM
Warranty: 2 years
**Important: Due to the impact of COVID-19 on fulfillment and shipping infrastructure, order delivery could be delayed up to an additional 3 business days for U.S. customers and an additional 14 business days for international customers**
Watches.com will cover the cost for Standard International Mail* (orders over $249+) and USPS Domestic First Class (orders over $99+). Not all countries are eligible for free international shipping. Upgraded shipping options (estimated transit times and rates) will be quoted during checkout.
Watches.com has been shipping worldwide since 1999 and we ship internationally daily! All orders are processed and shipped out by 5pm (PST) Monday through Friday on regular business days. Orders placed/received after 12:00pm (PST) will be processed the next business day.
Note: Per Casio's policy, Casio and G-Shock watches are not eligible for International Shipping. Any international order containing a Casio or G-Shock watch will be cancelled and all monies refunded.
We could all use some extra time. If your new, unworn item is not 100% to your satisfaction, you have 30 days from the original ship date to return it. To be eligible for a return, your item must be unused, unworn and in the same condition that you received it. It must also be in the original packaging. More details can be found on our Returns page. Unfortunately SISU and Vestal watches sales are final and not eligible for return.
*Unfortunately SISU and Vestal watches do not come with an international warranty as they are no longer in business. All sales are final on SISU and Vestal with no returns accepted.


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Regular price
Buy Now, Pay Later with Klarna
Klarna lets you pay in a number of different ways, so you can choose whichever way suits you the best.
Just select Buy Now, Pay Later at the checkout
Find out more about Klarna here
(Only available when the UK, Austria, Denmark, Germany, Netherlands, Norway or Sweden version of our site is selected)
FREE UK DELIVERY ON ORDERS OVER £100Looking for head to toe style? Classic white tube socks with Rhude logo on the upper half.


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- Description
Details29" Chrome Wire Shoe Rail (10 Pack). easy to install and features heavy gauge chrome railing.
Standard Dimensions: 29"L x 2 1/4"H
Finish: Oil Rubbed Bronze
Quantity: 10
Contains: Ten Shoe Rails
Notes: Designed to fit 5mm mounting holes on 32mm spacing
- Shipping Details
Typical Ground Transit Time:
Shipping Details:
- Items shipped directly from Rev-A-Shelf are not available for international delivery, or combined packaging. Everything sent from the warehouse is boxed and shipped individually by default, this can cause shipping costs to rise quickly when ordering large quantities. If you would like to order this item in quantity, or have it delivered internationally please contact us via the "Have a Question" tab so we can make special arrangements to help reduce the shipping costs.
- Normal processing time for all orders is one business day unless the item is flagged as a special order or has a noted lead time. Unforeseen events may cause delays (such as closed roads, weather, war, acts of God, etc). Please note that the "Normally ships by" date given above is an estimate only and not a guarantee.
- Have a Question?
If you have any additional questions about this product please feel free to ask us by filling out the form below or give us a call toll free at 1-877-621-6900. We would be happy to help! Our normal business hours are Mon - Fri 8:00AM to 5:30PM MNT.
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Anime Insider's 'If it Were Anime' features LOTR
Ringer Zac sends us a scan from the latest Anime Insider Magazine. After a long wait, the magazine if finally featuring The Lord of the Rings in its 'If It Were Anime' section. [Click Here] Posted in Events, Fans, Lord of the Rings, LotR Movies, Old Main News, Other Events on August 27, 2004 by Celeborn