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Off Leash Dog Parks & Trial Areas
Two off-leash dog parks are within the city for canine off-leash activities, Rita Valentine Park and Spring Creek Park at the Lower Pond. In addition, dogs are free to run at four trial off-leash areas during a one-year trial use period.
Rita Valentine Dog Park
Grassy open field offering trails & an off-leash policy for dogs amid scenic mountain surrounds. Rita Valentine Park is accessible from Highway 40 (Lincoln Avenue) and Anglers Drive intersection. Proceed up Anglers Dr (North) approximately 2 miles and park in the lot located on the left side of Anglers Drive. (1010 Anglers Drive).
Spring Creek Dog Park at the Lower Pond
Spring Creek is a classic mountain trail about 1/2-mile from the parking lot. Spring Creek is accessible only by non-motorized means. Parking is available at the trailhead, located at Maple Avenue and Amethyst Drive. To access the park, from Highway 40 (Lincoln Avenue), turn onto 3rd Street (north) and proceed two blocks to Pine Street and turn right on Maple Street. Proceed about 1/2-mile to Amethyst Drive and the park is about half a mile up the Spring Creek Trail.
Trial Off Leash Areas
Lower Spring Creek, Blackmer, Butcherknife & Whistler Park Provide Room to Roam
Dogs are free to run at four trial off leash areas which opened to the public ushering in a one-year trial use period. These new locations complement Rita Valentine Park and Spring Creek Park at the Lower Pond for canine off leash activities.
- Blackmer (Ends January 1, 2019)
- Butcherknife
- Lower Spring Creek
- Whistler Park
City Council approved the provisional use for a one-year period based on the recommendation from the Parks & Recreation Commission. The program may be rescinded by City Council if issues arise during this first year. Outside of these areas, current leash laws still apply within city limits and on all city property outside city limits.
The trial off leash areas, which are open an hour after sunrise to an hour before sunset, include the following trails and also come with some seasonal wildlife restrictions as outlined below.
Blackmer Trail: Upper Blackmer is off leash year-round. Lower Blackmer carries off leash opportunities during the winter only from Sept 2 to May 31 and all dogs must be leashed in summer from June 1-Sept 1.
Blackmer removed from Off-Leash Areas starting January 1, 2019
Whistler Park: This area has three designated areas with the park for off leash activities. The west portion is off leash from May 1 to Oct. 31 and leashes are required during the elk winter season from Nov. 1 to April 31. Trail users are asked to remain on existing trails in this section of the park. The south sections will be off leash during the winter (Nov. 1 to April 31) and leashes will be required during the summer (May 1 to April 31). The north portion is off leash year-round.
Butcherknife Trail: This trail carries restrictions during school hours where the leash law applies from 7:30am to 8:30am and 3:00pm to 4:30pm from August 21 to June 8.
Lower Spring Creek Trail: The off leash trail runs directly behind the high school. Outside of designated hours, dogs are to be leashed at all times
Each off leash area will be clearly signed at entry/exit points with a map outlining the off leash area. Off leash trails apply to the trail only and not outside of the designated trail. Voice and sight control is required within these area. For example, when a dog is commanded to come, it does so on the first time, regardless of distracting circumstances. In addition, dogs harassing people or wildlife are not considered under voice control.
Animal Complaints
When using these areas, dog waste removal and disposal is required by law. Individuals can report animal complaints to Police Dispatch at 970.879.1144. Additionally, Steamboat Digs Dogs is developing a volunteer patrol to assist with education and will monitor these area during the trial period.


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I like to mix bracelets of different textures, metals and colours to make a simple outfit, like this one,
more interesting. The leopard bracelet was bought on sale for only 4 euro in RIVER ISLAND-a British High-street store. I think it adds a bit of quirkiness to my wrist! The MICHEAL KORS watch (my baby!) adds a bit of sophistication to this plain ensemble.
HAPPY MONDAY! - Hannah Xo

subset: commoncrawl


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- If you have reached the point where you really understand your computer, it's probably obsolete.
- When you are computing, if someone is watching, whatever happens, behave as though you meant it to happen.
- When the going gets tough, upgrade your computer.
- The first place to look for information is in the section of the manual where you'd least expect to find it.
- For every action, there is an equal and opposite malfunction.
- To err is human ... to blame your computer for your mistakes is even more human, its downright natural.
- He who laughs last, probably has a back-up.
- The number one cause of computer problems is computer solutions.
- A complex system that doesn't work is invariably found to have evolved from a simpler system that worked just fine.
- A computer program will always do what you tell it to do, but rarely what you want it to do.
Sunday, June 10, 2012
10 Laws of Computing
Posted by Pankaj... at 11:00 PM
Subscribe to: Post Comments (Atom)


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Project for ameenulhaq66 -- 2
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Wyndham Hotels Englewood hotels are provided below. Search for cheap and discount Wyndham Hotels hotel rates in Englewood, NJ for your upcoming individual or group travel. We list the best Wyndham Hotels Englewood hotels + motels so you can review the Englewood Wyndham Hotels hotel list below to find the perfect place.
Our website will also show you discounted Englewood, NJ lodging that get similar quality scores of a Wyndham Hotels.Booking a group or meeting? Set up a group hotel block in Englewood NJ
How should we direct your call?


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Clay and gumbo soils, warm night temperatures, and long growing seasons conspire to decompose any amount of organic matter a gardener works into the beds. Every garden bed in the Deep South that ever gets a topdressing of organic mulch should get it in fall. Perennials and shrubs particularly benefit from one inch of composted humus, leaf mold, or old gin trash applied now. Use a hand cultivator (that's the three-tined tool everybody has, but you don't know what to do with) to work in what's left of the summer's leaf mulch and aerate just a bit around plants before putting them to bed for the winter with a tidy mulch blanket. Take care not to cover perennial crowns completely so their clumps don't stay wet all winter. For good looks and added insulation, add a layer of fresh pinestraw. Summer's layer of pinestraw has gone limp yet stringy, and that stuff doesn't work in well. Rake it out and chop before composting.
to comment post.


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Item #: AE1104
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|Modern morality tale of a young English woman who moves to the U.S. to make a new start, but falls into the same old habits. Kensit is frank and charming, in spite of difficulties with her drug addict boyfriend and the illegal alien she marries. Director Boyd leaves it to the viewer to decide between right and wrong and where Kensit fits.
|Directed by:
|Don Boyd
|Curb Entertainment
|Patsy Kensit, Jack Shepherd, Patrick Ryecart, Maynard Eziashi, Rufus Sewell, Sophie Thompson, Susan Wooldridge, Julia Goodman


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Two online sources where a peephole video camera can be purchased are the websites for Spyville and Newegg. Both online retailers maintain corporate headquarters in the United States, which are located in Monterey, Tennessee, and City of Industry, California, respectively.
Both Spyville and Newegg have been accredited by the Better Business Bureau (BBB). Newegg charges a restocking fee for items returned. The retailer claims a wide-range product listing of more then 10 million items and provides Pacific Standard Time phone customer service 5:30 a.m. to 5:30 p.m. on weekdays and 8:30 a.m. to 5 p.m. on weekends. Online chat support is also available 24 hours a day. The Newegg website's "Awards / Rankings" page displays several Computer Shopper and BizRate awards.
Spyville's merchandise line consists primarily of hidden, security and spy cameras, phone recorders and bug detectors. The retailer has been a BBB-accredited business since 2014. As of 2015, no BBB complaints have been filed regarding Spyville, as reported on the agency's website. The company has been in business since 2006.
A common use for a peephole camera is to enable people inside of a house or an apartment to see who is at their door before answering it. They can also help identify a suspect in home delivery theft.


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Students read and analyze two different articles about medical imaging using X-rays. This activity is from the NuSTAR Educators Guide: X-Rays on Earth and from Space, which focuses on the science and engineering design of NASA's NuSTAR mission. The... (View More) guide includes a standards matrix, assessment rubrics, instructor background materials, and student handouts. (View Less)
This is an online lesson associated with activities during Solar Week, a twice-yearly event in March and October during which classrooms are able to interact with scientists studying the Sun. Outside of Solar Week, information, activities, and... (View More) resources are archived and available online at any time. This is an activity about measurements of solar activity. Learners will observe an image of the Sun and sketch major features, plot data to begin to recognize patterns of solar activity, look for long-term patterns in graphed data, compare X-ray and visible light images of the Sun to find solar features common to both sets of images, and make a prediction of what the Sun will look like in a visible light image after observing an X-ray image taken on the same day. This activity is scheduled to occur during Monday of Solar Week. (View Less)
This is an online lesson associated with activities during Solar Week, a twice-yearly event in March and October during which classrooms are able to interact with scientists studying the Sun. This activity is scheduled to occur during Monday of... (View More) Solar Week. The lesson introduces the concept of astronomical filters and their connections to imaging different objects in space. Learners will explore perceptions of images as seen using different colors of light, construct a filter wheel, and practice investigating various astronomical images using the filter wheel. This material was designed to highlight how filters are useful to astronomers and show how a real astronomical telescope uses filters to image the Sun. Outside of Solar Week, information, activities, and resources are archived and available online at any time. (View Less)
This is an activity about scale. Participants will arrange imagery of Earth and many other space objects in order of their size from smallest to largest, their distance from Earth's surface, their temperature from coolest to hottest, and/or their... (View More) age from youngest to oldest. By manipulating these images and discussing their ideas, children and adults represent and confront their own mental models of space and time. (View Less)
Materials Cost: $1 - $5 per group of students
This textbook chapter outlines the historical development of the Theory of Natural Selection, presenting classic evidence including Darwin's study of finch beak variation in the Galapagos Islands and Kettlewell's investigation of the pepper moth... (View More) in England. A simulation activity depicting the process of natural selection is included. The resource includes a link to current news articles and a teacher's guide with additional investigations and student research project ideas. This is the third chapter in the unit, Losing Biodiversity, examining the endangerment and extinction of entire species of plants and animals throughout the world due to human actions. The resource is part of Global System Science (GSS), an interdisciplinary course for high school students that emphasizes how scientists from a wide variety of fields work together to understand significant problems of global impact. (View Less)
Students examine a text discussing climate change and identify tools of argumentation: evidence, qualifiers, claims and support. A student worksheet supports the activity. This resource is supported by Chapter 7, What is the Controversy About?, in... (View More) the Climate Change unit of the Global Systems Science (GSS) course. (View Less)
Materials Cost: Free per student
This is an activity about magnetism and magnetic forces. Learners will explore objects to which a magnet is attracted or repelled and record information in a learning log. Additionally, learners will identify magnetic devices or phenomena they... (View More) encounter at home, at school, in nature, and in other locales. This is the first activity in the Magnetic Math booklet; this booklet can be found on the Space Math@NASA website. (View Less)
This is an activity about magnetic fields. Using iron filings, learners will observe magnets in various arrangements to investigate the magnetic field lines of force. This information is then related to magnetic loops on the Sun's surface and the... (View More) magnetic field of the Earth. This is the second activity in the Magnetic Math booklet; this booklet can be found on the Space Math@NASA website. (View Less)
This is an activity to reinforce concepts learned about the Sun, the Sun, Earth, and Moon system and eclipses. Learners will communally discuss their knowledge of these concepts briefly, and will then complete a series of worksheets and writings to... (View More) demonstrate grasp of content. This is Activity 15, the final activity of a larger resouce entitled Eye on the Sky and is meant to follow the preceding 14 activities in the resource. These worksheets and writings would ideally be added to students' portfolios accumulated throughout this suite of lessons and can serve as a summative assessment of student work throughout the lesson suite. (View Less)
Student teams explore atmospheric aerosols, dust, and fires and their impact on the Earth's albedo using NASA Earth Observations (NEO) website. This is an extension activity in the student learning activity guide accompanying the GLOBE Earth System... (View More) Poster, Exploring Connections in Year 2007. A series of six learning activities and associated assessment activities are included. (View Less)
Materials Cost: Free


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We hope to become your new source of news, information and features about the people and places in the greater Olney area,
Date(s) - 09/12/2017
6:00 pm
Categories No Categories
Olney Library, 3500 Olney-Laytonsville Road, will present "Yoga for Every Body" at 6 p.m. to explore the benefits of movement, breath and meditation. For teens and adults. Free.
Go to www.montgomerycountymd.gov/library/branches/olney.html.
The Greater Olney News reaches more than 20,000 homes and businesses through the U.S. Postal Service and hundreds more are dropped at businesses and popular gathering spots.
For a media kit, deadlines, rates and other advertising information, call 240-454-5648.


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They say the sound of it is unmistakable. It's not quite tennis, not quite pingpong, and it gets seniors out of bed before the crack of dawn. This year, it turned 50.
It's pickleball, and it's taken Orange County by storm, with designated courts in Laguna Woods, Tustin and Huntington Beach, to name a few.
Pickleball was invented one summer day in 1965 in Bainbridge Island, Wash., when Joel Pritchard used the only materials he had – a pingpong paddle, a wiffle ball and a badminton net – to entertain himself and some friends. Enthusiasts rumor that it's named after the family dog who would chase the ball as they played, but that remains a pickle.
"It's gender-neutral, age-neutral, easy to learn, and it's infectuous," said Phil Dunmeyer of San Clemente, a USA Pickleball Association member and Orange County pickleball legend.
"I was previously a competitive tennis player, so I picked it up easily," he said. "I realized that pickleball was easier on my aging body."
Today, there is an international rule book, more than 400,000 known pickleball players in the U.S. and more than 2,000 registered places to play, according to Jack Thomas, the national association's vice president and director of ambassadors.
Thomas said the association's ambassador program is simple: People who love the game are encouraged to promote it by inviting people to play, explaining the rules or seeking out old tennis courts to convert into pickleball courts.
"They've been bitten, if you will," Thomas said. "They love the game and they look for opportunities to introduce the game to others."
Thomas said the national association had 700 total ambassadors in January of last year. As of Friday, 1,138 people were officially registered ambassadors, not counting the people who simply sing pickleball's praises.
Thomas said Dunmeyer, 73, is the ultimate ambassador. As a former P.E. teacher and principal in the Tustin school district, Dunmeyer was the catalyst for giving pickleball a permanent home in Tustin. He proposed and organized the first Tustin Labor Day pickleball tournament, a nationally sanctioned competiton from Saturday through today at the courts behind A.G. Currie Middle School.
"It changes lives in a positive way," said Dunmeyer, who competed Saturday in the high-level, 60-plus age bracket. "I have taught over 1,000 people and I've only had two not return."
Dunmeyer said there were 185 competitors in the holiday weekend double-elimination tournament, from all levels and ages. Players as young as 11 and 16 competed, though the majority of the competitors were 50 or older. Doubles teams were either men's, women's or co-ed.
Six days a week, Dunmeyer wakes up before sunrise to travel from his South County home to either Oceanside or Tustin's 10 permanent pickleball courts, where he offers free lessons for the two hours before the courts fill up.
Dunmeyer has a fan club of his own. Les Mark, who competed Sunday, said when he discovered the game in June, Dunmeyer scheduled a special appointment so he could coach Mark for his first time.
"It just knocked my socks off," Mark said. "He's a great ambassador."
Mark isn't registered with the national association as an ambassador, but when he talks about Pickleball, he lights up and extends the invitation. Mark said he felt like he owed Dunmeyer for his kindness, so he volunteered to do scorekeeping at Saturday's tournament.
"It's wonderful for older people who don't want to run around on a tennis court anymore," Mark said. "I'm 78 years old, and in this tournament, my partner is 80."
Debbie Ichiriu, a Roosmoor resident and player of four years, competed in the women's doubles and women's open tournaments over the weekend.
"In tennis, you need to show up with a group of four to play," Ichiriu said. "In pickleball, you can show up and ask to rotate in, and everyone will say, 'Sure! Where are you from?'"
Ichiriu said Dunmeyer is considered a saint within the Tustin pickleball community.
Ichiriu said a few of the players who had signed up to compete over the weekend had died in the weeks before the event, and in their honor, Dunmeyer dedicated some of the tournament's courts after one of their former teammates.
"He's the reason I drive to play," Ichiriu said. "He's just the greatest person."


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In February of 2017 I was diagnosed with MS.
Maneuvering the construction zones
It was about 10 am on a Friday morning and I was in a room with 16 third-graders when my phone rang. I usually put it on silent at school, guess I forgot.
It was not the news I wanted to hear.
Even though it was one of the several outcomes that he had told me it might be. I wasn't expecting this one.
A bout a week ago I found myself on the tray again and put my head in the helmet for the second time in my life. The noises are so annoying. It gives you a terrible headache and even a little nausea. It was quick but not very fun.
Then I waited. Then I called. Then I waited some more. Then the phone call in the classroom.
I kept it together. For the most part. I texted my husband. The doctor told me to prepare to miss a few days of work for testing. I decided while the kids were at recess to alert the receptionist that I would be needing some time off for appointments.
I did pretty well. She came in later when I was alone in the room asked me if I was okay and gave me a hug.
Then I lost it. I googled it but it was too scary. I called my mom.
I realized that my life is never boring. There is always something interesting going on. This time its just another part of the plan. I would call it a detour. But I know better. The road isn't always smooth and safe. Sometimes its bumpy and rocky and muddy and slippery. My road is a mess right now.
It's a good thing I am not the navigator.
So now I wait. I took some more blood tests. I have another date with the moving tray and the helmet and the noises tomorrow. Then maybe we will get some answers. Maybe?
If you're reading, I sure could use your prayers.


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Member Login
Help us to continue making a difference in our comunity. Please make a donation to the Girdletree Volunteer Fire Company today.
Event Calendar
Monthly Meeting
Thursday, November 1, 2018 @ 7:00 PM
Regular Monthly Meeting
Repeats every 1 months
Photo of Day
Live Run Log
Nature: Hazmat Large Spills
Location: (410) 511- Dist: 4.17 Ft
Address: 5431-Blk Worcester Hwy
City: Snow Hill, MD 21863
Nature: Fire Alarm
Location: Aurora Agronomy
Address: 433 West Market St
City: Snow Hill, MD 21863
Thu Nov, 29 2018 @ 08:16
Nature: Medical Emergency
City: girdletree


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Extend your backyard with Hidden Oaks Nature Center and enjoy a 10'x10' Community Garden plot. Reserve your plot plant through the growing season (April 15-November 1). Plots are $30.
Bond with your family and share the joy of planting vegetables, heirloom gardens and other garden staples. We've added more water tank capacity for your convenience as well as a community message board.
For more information call (630) 739-2600.


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Bisons use small ball to finish off Red Wings
ROCHESTER – The Buffalo Bisons got a long ball (from catcher Josh Thole) and another quality start (from Dave Bush) here Tuesday. It's been that way most of a scintillating first month as the Toronto Blue Jays' top affiliate.
But there was a unique quality about the 5-2 win over the Rochester Red Wings in Frontier Field. It was the way the Bisons small-balled their way to three ninth-inning runs to add some insurance to what had been a 2-1 lead.
Thole led off the ninth with a single to top a 4-for-4 day and Lance Zawadski followed with a single. Shortstop Ryan Goins then followed manager Marty Brown's hints perfectly, showing bunt but then pulling back as the Rochester infield rotated, swinging away to slap a one-hopper up the middle and give Buffalo a 3-1 lead.
"If the defense gives you something and tries to rotate early, just pull it back and try to hit something on the ground," Goins said in explaining his thought process. "Either way to get him over, bunt or slash, whatever I needed to do, I had to try to get it done."
Zawadski scored as Goins stole second and Goins scored the Herd's final run on Anthony Gose's squeeze bunt.
"That was great," said Thole, who belted a two-run homer in the fourth to give the Bisons the lead for keeps. "We've had doubles and homers to win games and tie games. To show we've got that in our bag too plays really nicely."
"It started at the bottom of our lineup too and that was a big thing," Brown said. "We just make things happen. We've got the guys to do that too. The middle of the order is really stout and at the top and bottom we've got guys who can manufacture runs."
Buffalo added to its franchise record for victories in the season's opening month, closing April with a 17-7 record and earning a split of the four-game series.
"We haven't really had to do that and there's a situation where we needed insurance runs," Bush said. "It shows the different things we're capable of."
Bush improved to 3-1 and dropped his earned-run average to 1.61 by scattering six hits over six innings. He's allowed just four earned runs in his four starts since returning from Toronto on April 11.
And he continued to be accurate with his pitches, throwing 57 of his 78 pitches for strikes.
"When I can do that, I can really dictate situations more," said Bush, a former 12-game winner with the Milwaukee Brewers. "When I get ahead, I can expand the zone."
"He's a strike thrower, has 3-4 pitches you can call at any time," Thole said. "It definitely helps."
Thole is batting .379 and is only a couple of at-bats shy of qualifying in the IL batting race, where he would be in the top five. He started his second four-hit game of the month by slapping a fly ball the other way to left and it got caught in a stiff breeze and landed in the Bisons' bullpen.
"You have to make it happen sometimes," Thole said. "You try to hit your double and if it goes out, it goes out. When you're going good, you keep swinging and try to ride it out as long as you can."
A crowd of 3,775 was on hand for the 11:35 a.m. start, which was televised nationally on MLB Network.
The Bisons returned home after the game and the entire International League is off today. Buffalo starts an eight-game homestand against the Louisville Bats on Thursday night at 7 in Coca-Cola Field.
email: firstname.lastname@example.com


text: BOM ESTADO. CAIXA E ENCARTE: OK. CD SEM ARRANHADOS. 1995. IDIOMA: INGLÊS. JPEGView which allows you to create your own slide shows with images provided on this CD-ROM. An internet tutorial directs the internet user on how to easily access this new technology to stay current with images and discoveries about our expanding universe. Royalty Free images, slide shows, and QuickTime movies from NASA archive footage of space shuttle 31 and 61. Extra! Shoemaker Levy 9 Comet spectacular images from a variety of sources.


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If I were an animal, it would be hard to honestly say which one I would be. I think that I would be a combination of a lot of animals, actually.
First of all, I'd be a horse, because they are strong and proud. While I am not physically or emotionally strong, mentally, I am strong. I am a fighter. I keep going, even when I don't know where to go. With God as my guidance and strength, I can (metaphorically) move even the tallest of mountains. I am also proud of who I am, and the woman that God is creating me to be. I don't give up without a fight, and I am beautiful, inside and out, just like all horses are. Perhaps this is why they are my favorite animals.
Second, I would be a cat. I am small, like most cats are, and I am also naturally curious. I like to explore the world around me and investigate things that I haven't previously known about. I always have to know the "why" behind something, and I don't stop looking or questioning until I am satisfied with the answer. I also really like to sleep. 🙂
Finally, I would be a dog. Dogs are loyal and kind, and will make good companions for life, and I believe that is the case with me, as well. I am a loyal and compassionate friend, and I will never leave your side. Once I am committed to someone, I am in it for the long haul, for better or for worse. I will tell you the truth in love, but I will also do my best to be kind about it.
So what kind of animal would I be? That's hard to say. But I would hope to be a combination of some of the best kinds of animals in the world…


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INTERVIEW WITH PETE DROGE - l998Q: How is your tour going?
DROGE: It's doing really
really good. It's a blast actually. Doing the Eddie McCain thing. It's nice to
be opening for somebody in clubs as opposed to doing opening things up in
theaters and basketball arenas. People who already like our music can come
right up front and we can feed off their energy and get that excitement, as
opposed to if you are in a basketball arena, fans are scattered all over, you
know what I mean. It's nice to be at venues like the Filmore where people can
come right up front and Edwin McCain's crowd is easy for us to win
DROGE: I have been really fortunate that so many musicians have asked me to come out on tour, like Pearl Jam, Busch, Etheridge, Live, Tom P
Q: What is the song "Spacey and Shakin" about?
DROGE: The initial spark came when riding on a tour bus in mid-July and it was freezing cold from the air conditioning and we were sitting in the back lounge of the bus getting what I call "road burn", which where you get to this sort of mood of being fried out on tour, and that was the spacey part, and being chilled to the bone from the air conditioning was the shakin part, and exits are marked and there's the door, but I am not going anywhere because we are going 65 mph down the interstate type thing. That was the feeling I had at that time. And the precourse section is pretty much asking "am I losing my mind, what's more right than this ride". I am basically saying, nothing can be more - I am in the right place, I am where I need to be.
The second verse is taken from "still got that flan stain on my jeans" is the story about our bass player Dave, when we were coming back from a Mexican restaurant and having a Mexican dessert called "flan" like custard and the whole container filled with flan and our tour manager splashed a puddle on him, and he went was going to go through the double splash with both feet. He went and jumped with both feet and and both feet went out from underneath him and he crashed to the ground and the flan exploded all over his crotch and he was unconscious for a minute. When the paramedics came, he was totally in shock and that's where that line came "I still got that flan stain on my jeans, ain't giving up childish playing". He's a grown man, yet he isn't giving up fun and games like splashing in puddles. Keeping you young. Old rock and roll keeping you young.
Q: Your songs seem to be based on real life experiences.
DROGE: That's true. But there is also a fair amount of vagueness to it at the same time.
Q: The actual songs themselves, what comes first - the music or the words?
DROGE: At lot of times they come simultaneously, or the music will come shortly before. Very rarely do the words come first for me. "Walking By My Side" is one where I have all the music together and then I wrote the words. A lot of times, I do them at the same time and try the melody and try the words out.
Q: This song "Fourth of July", was this about Eugene, Oregon?
DROGE: I was born there, but that didn't really have anything to do with the song. That came into the subject of the song. He went down there. He was working in the factory. That's what I felt about it. He had been seen down in Eugene working as a factory slave. That's what I had heard. He had just split town, he had just disappeared and I had wondered where he went and then I heard that's where he was.
Q: Sometimes you can hear a song and interpret it totally different?
DROGE: That's the beauty of the art. Really. That's the greatest thing about it, I think. That's the school of songwriting anyhow. Then there's songs that are so specific, there is way of misinterpreting them. And those are great songs too. But the school of leaving it open for interpretation, I think is where it's at. I love that.
Q: On composing songs for sound tracks, did you visualize the movie first to make the songs?
DROGE: Well the people from "Rudy", that was already done and on the record and the movie people came along and said they wanted to use this song, so there was no process there. With "Beautiful Girl", I hadn't actually seen the movie when I wrote this song. They sent me Dave Stewart's camera of the song. He had written it and wanted someone to co-write it, they wanted someone to finish it and record it. They originally wanted to get Bob Dylan and he said no. They tried to get Tom Petty and we had just come off tour and he said no. They also went to Johnny Mellancamp and he also said no and they came to me. I wrote the song after just a brief conversation with the Director. We talked about the movie and the characters in it.
Q: Some of your songs sound similar to Neil Young.
DROGE: That's what I am into, definitely. Just keeping it fresh for myself and branching out, and blend and become more well rounded. Bob Dylon and Neil Young are people that I admired for a long time. It is important to change and grow and to not worry about what people are going to think about it, just do what they want to do. That's cool to me.
Q: What kind of guitars do you prefer?
DROGE: I have been playing my Telecaster a lot lately. I always use my 335 Gibson a lot. Those are the two I am using right now. I use my 335 whenever I am touring around.
---Randy Cohen


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Our general pricing is outlined below. Special consideration can be given as each package may be customized to each group. Special fees may be added for additional services. As a Not–For–Profit conference center, most of our pricing is averaged at cost.
Certain fees are subject to Indiana State Sales Tax and Wayne County Innkeepers Tax.
|Dining Room
|Evans House Dining Room
|$35 an hour
|Single room
|$50 per night
|Shared room
|$80 per night
|Retreat Groups
|1 night/2 meals
|$84 per person
|1 night/3 meals
|$99 per person
|1 night/4 meals
|$112 per person
|2 nights/4 meals
|$160 per person
|2 nights/5 meals
|$175 per person
|2 nights/6 meals
|$188 per person
Prices are subject to change without prior notice
Location and Surroundings
Our retreat center is located on a beautiful 25 acre campus South of I–70 just off of US 27. The wooded landscape gives our campus a real sense of seclusion. We have green space available for our guests to enjoy along with a one mile hiking trail through the woods and down to a local waterfall. On our grounds are also an amphitheater that will seat over 100 guests and a picnic shelter for use by our guests.
There are also nearby parks and recreational areas. The 20 acre Springwood Park is just ½ of a mile away. Just ¾ of a mile is the Cardinal Greenway; the longest rail-trail in Indiana, spanning approximately 60 miles from Richmond to Marion. The Greenway is ideal for walking, jogging, biking or rollerblading. Nearby and next to the Cardinal Greenway is the Cycling and Fitness Warehouse where you can purchase a day pass for the fitness center, or you may rent bicycles during your stay with us. There is also a Wellness Center at Earlham College that guests can purchase a day pass for their facilities use.
Evans House
Built in 1855, the Evans' home was the center of a Quaker family's life. Several homes were located up on the ridge and their mill was located down in the valley. For many years the Evans' home was known for its warmth and hospitality. In the 1940's its transition was begun into the conference center of today.
Woodard Lodge
Built in 1971, the Woodard Lodge is a comfortable setting with independent heat and air in each room and each room has self contained bathrooms.
Solitude Room
The Solitude Room, located at Woodard Lodge, is a room we designate for personal retreats. It is a nice large room with a queen bed and a twin bed, small sofa, mini-refrigerator, microwave and self contained bathroom and shower.
On our grounds we also have an outdoor amphitheater that can seat over a hundred guests. Nestled in the woods along a bank, it provides an excellent location for outdoor meetings, small concerts, worship services, and small plays. It is easily accessible and located near the Evans House.
Picnic Shelter
The picnic shelter is located just west of the Evans House, and has a 30 ft X 32 ft concrete pad under roof with picnic tables and benches for about 40 guests.
Long Term Apartments
Quaker Hill Conference Center also can offer a limited number of long term apartments. The apartments maybe furnished or unfurnished depending on the situation.


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Zurich: Mohamed bin Hammam believes FIFA has already decided to find him guilty of bribing voters in his presidential contest against Sepp Blatter but insists that "justice will eventually prevail."
"None of us should be completely surprised if a guilty verdict is returned," bin Hammam said on his personal website on Friday as his case was being heard by a five-man FIFA ethics panel, which sat in session until 10 p.m. local time.
Bin Hammam did not appear to have taken part in the hearing. He previously pledged to give the panel "convincing grounds" to clear him of allegations he conspired to pay Caribbean soccer leaders $40,000 cash bribes at a May 10 meeting in Trinidad.
"I am not confident that the hearing will be conducted in the manner any of us would like. It seems likely that FIFA has already made its decision weeks ago," he said in his statement on Friday.
A verdict is expected on Saturday, with bin Hammam facing a possible life ban from the sport.
The Qatari official said FIFA`s case and evidence were "flimsy and will not stand up to scrutiny in any court of law."
"Justice will eventually prevail whether through the FIFA ethics committee, the Court of Arbitration of Sport or if necessary, through other courts or legal proceedings in courts where we will be equal and no special privileges will be granted to either party," bin Hamman said.
FIFA said it could not comment on which defendants and witnesses were present, in order to uphold the independence of the ethics committee.
The Swiss Federal Tribunal, the supreme court in FIFA`s home nation, could eventually be asked to decide if Blatter`s organization abused legal process during the case. FIFA does not recognize the authority of any other ordinary courts in football-related disputes.
Bin Hammam and two Caribbean Football Union staffers, Debbie Minguell and Jason Sylvester, face allegations of bribery conspiracy. Minguell and Sylvester did not attend initial ethics hearings in May and were not expected in Zurich this weekend.
FIFA invited all three defendants to submit written statements, and produce their own witnesses at the hearing.
FIFA dropped charges against vice president Jack Warner last month when he resigned all his soccer positions with a "presumption of innocence."
Bin Hammam has criticized the integrity of FIFA`s investigation and legal processes. He claims the bribery case was politically motivated to stop him from challenging Blatter, who was at his FIFA office on Friday.
Bin Hammam has also been critical of FIFA`s top administrator, Jerome Valcke, for his handling of the news conference on May 29 after the ethics court first met to weigh evidence and imposed provisional suspensions. Blatter was re-elected unopposed three days later
Bin Hammam later described secretary general Valcke`s behavior as "absolutely unacceptable and against all principles of justice."
Neither Blatter nor Valcke will be at FIFA on Saturday when the verdicts are delivered.
FIFA said Blatter would travel to Argentina to attend the Copa Americas final on Sunday, and Valcke was in Brazil ahead of the 2014 World Cup qualifying draw on July 30.
Bin Hammam has also questioned why no Caribbean officials alleged to have pocketed bribes have yet been charged.
FIFA`s ethics panel could call for new investigations into CFU members after it rules on bin Hammam`s case.
Bureau Report


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At this time of year, you can always tell a working parent with children too young to stay home alone and too old for a day-care center. We're the ones who look distracted and know to the minute how long it is before school ends. We're also the ones who stop even total strangers in order to ask, "Do you know of anyone who's taking care of children in her home this summer?"
Unfortunately, even if we finally locate one of these all-too-rare caregivers, our work has just begun. While most neighborhood caregivers are reliable, hard-working, competent and caring, a tiny minority are not.
Here are some questions to ask before entrusting your child to any caregiver for even one minute:
* Are you licensed by this state to care for children in your home? What other credentials, degrees, certificates and/or special training do you bring to your work?


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The outside temperature has gone from tolerable in the beginning of the week to frigid. Wednesday evening I managed to take a Vegas Robaina Famosos for a walk. Several years old, this hermoso (5″ x 48) was the perfect size for the occasion. It burned well and tasted great! I was sorry when I had to put it down.
In the Cigar Media:
I saw an article on Cigar Aficionado by James Suckling regarding Cuba's Best Market. The article throws some numbers around regarding the number of Cuban cigars that are sold in the US, ranging from 20 million to 50 million (with 50 million representing one third of Habanos S.A.'s annual production). I think that when the embargo is eventually lifted there will be such a huge rush on Cuban cigars that the quality will be terrible, and the rest of the world will be mad at us for smoking up all their cigars! Cuban cigar hungry Americans will stampede to their local cigar store to try what has been unavailable here for almost 50 years. There will be abundant fakes and what are legitimate will be mistreated. I don't look forward to that day. While I enjoy the occasional Havana cigar (I like the flavor of them) I don't think they are better than many cigars currently available. We are in a time when there are such great cigars being made outside of Cuba that there is room for all of them in the market.
Camacho Cigar's website posted some pictures of an event where the inimitable Pauly Shore was spotted with a box of Liberty's. Click here for the pics. I have been a Camacho fan myself for many years, going back to the first one I had in 1996.
Cigars One to One podcast on Cigarmedia.tv featured Andre Farkas of Viaje Cigars, which were featured on last week's Dogwatch Cigar Radio podcast. This sounds like an interesting cigar to try, especially the 50/50 which is blended to be, from the way I understand it, two separate blends which transition from one to the other midway through the smoke. It just sounds like it would be interesting to try.
A Lehigh Valley TV news outlet reports that Cigars International is opening their new headquarters in Bethlehem, PA on the site of the old Bethlehem Steel. CI says there will be 50 jobs created. I hope the state of Pennsylvania realizes that if they had gone through with their proposed tax on cigars this wouldn't have happened and CI would have moved their operation to Florida. In related news, CI's Cigarfest tickets go on sale Monday, February 8. I have never attended this event, but I'm considering it this year. If anyone has gone in the past and can tell me about it, please leave a comment or e-mail me. If you're going this year, please let me know so we can meet up! Obviously I'm always looking for new cigar-ventures and this looks like a good one.
Cigar Rights of America reported this week that the Governor of Massachusetts is recommending a tax increase on cigars from the already punitive 30% to 110%. What are people thinking when they suggest such things? That people are just going to roll over and accept it? Obviously they aren't thinking that people are going to buy from out of state and that businesses are going to close and people are going to be unemployed and the state will lose ALL of the taxes instead of increasing their revenue. Stupid, Stupid, Stupid. If you haven't already, please consider joining the CRA to help protect our rights.
Well, that's all I can manage to go on about right now. Thanks to everyone for reading and remember that you can subscribe to this blog and receive updates in your inbox!
Until the next cigar,


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'Breaking Dawn' Was Initially Rated R, Says Kristen Stewart
The actress recalls her steamy sex scene with Robert Pattinson, which had to be re-cut from the original film.
Nearly missing its mark, the fourth film in The Twilight Saga was initially too racy for its target audience.
PHOTOS: 'Twilight: Breaking Dawn': New Photos From the Pentultimate Film in the Saga
"We [originally] got rated R," actress Kristen Stewart tells U.K.'s Glamour magazine. "They re-cut it."
Between the hot-and-heavy consummation scene between Stewart's Bella and Edward (Robert Pattinson) and the gruesome birth of the couple's daughter Renesmee (played in Breaking Dawn – Part 2 by newcomer Mackenzie Foy), director Bill Condon was forced to tone down the footage in order to remain accessible to the series' loyal tween fanbase. The film will debut in its PG-13 format on Nov. 18.
PHOTOS: 10 Biggest Book-to-Big Screen Adaptations of the Last 25 Years
"It was so werid, it didn't even feel like we were doing a Twilight film," Stewart said of filming the controversial scenes. "I was like, 'Bella! What are you doing? Wow! What is happening here?!'"
"It was very surreal," she added.
Stewart is busy in London filming her next fantasy project, Universal's Snow White and the Huntsman. Chris Hemsworth, Charlize Theron and Ian McShane also star.


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The Huffington Post has not covered the release of hacked Democratic National Committee (DNC) documents which show Hillary Clinton's party fretting about scandals unearthed by the book Clinton Cash.
A screen capture of the Post reveals that its home page editors make no mention of the leaked dossier on Clinton, which is filled with talking points on various Clinton Cash controversies.
Searches of the site's content in the past 24 hours show its staff has not written any articles on the subject, either. The only content on the DNC hack today is a "Newsy" video focusing on the hacker. The content is on AOL.com, which owns HuffPo. Huffington Post does technically have a URL containing this one post but, upon opening the page, it immediately redirects to AOL.
The release of the DNC's Clinton documents has been covered at left-wing news outlets such as Mother Jones, The Daily Beast, and Bloomberg, as well as broader news sites like CNET, The Smoking Gun, and IBTimes.
Screen shot: The Huffington Post as of press time — cut off at last mention of Clinton.


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Beautiful hair is a woman's most noticeable feminine feature. The right prom hairstyles are crucial to looking your best on prom night. Your prom hair needs to accentuate your dress, your makeup, and your face. So here are some of the fun hairstyles for prom night.
Electro-punk: Use a rhinestone tiara to secure the front, then section the back and put small ponytails all over. Wrap your hair around the base and leave it tousled and wild! Zapp! You're it!
Twisted Tease: It's hard to go wrong with braids! There are millions of types to experiment with: basic braids, single variation, double variation, crown, multiple strands, and many more! The easiest thing to do is pick up some "how-to" books or videos on braids, or try looking up hair braids on the internet. You can also ask your favorite beauty parlor if they know any fashionable twists. They're just beautiful with flowers or ribbons weaved in.


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The Count of Monte Cristo

Abridged, here is the classic tale of 19-year-old Edmond Dantes who on his wedding day is framed for a crime he did not commit. While locked away Edmond learns from another prisoner of a secret treasure on the island of Monte Cristo. Edmond concocts a daring plan to escape and find the treasure. Years later, disguised as a wealthy Count, Edmond returns to his native land to find his enemies and make them pay.

Other Books You Might Like


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Cupcakes for dogs
The best tasting dog cupcakes around! Handmade with love and can be customised with your dogs name. These dog safe cupcakes are presented in a gift box (6x6x1.5inches).
Our best tasting Bertz Pet Bakery dog cupcakes are all handmade using only the best human friendly ingredients. We spend hours searching for the best ingredients for dogs which is why we know what is and is not right for dogs, such as the chocolate icing, Bertz only use carob because we know that using normal chocolate is poisonous fof dogs. We also use dog friendly yoghurt frosting and our signature peanut butter cake base.
Have your dog cupcakes personalised!
As we create all of our dog treats by hand, we are able to offer our customers the option to have these yummy cupcakes for dogs the option to have them customised with your dogs name or message. Simply fill out the box above or leave a message at the checkout and the team at Bertz Pet Bakery will do the rest.
Peanut Butter,Flour,Molasses,Water,Yoghurt Frosting, Carob
Protein 12.6% Oil 17.3% Fibre 2.0% Ash 1.6%
Please Allow 5-7 days for your order to arrive
Orders normally leave us after 2-3 days, we use Royal Mail 1st class delivery so items may take 1 or 2 days to arrive. If you need an order within a short period please email email@example.com and we will see what we can do :) Happy Shopping!
Why not check out our dog ingredients page to see what goes in to your dog treats and why.
Made to order
Each Bertz Pet Bakery dog biscuit treat and dog cake may vary slightly in size & colour due to being healthy and handmade (we do try our best to keep them the same size).
Safe if eaten by humans! (we have sampled these doggy treats ourselves many times to find out how yummy they are).


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Glare Filters
- Home
- Monitors & Projectors
- Monitor Accessories
- Glare Filters
Is your company in the market for monitor glare filters? Few things reduce productivity more than a strong glare on a computer monitor's screen. Connection offers glare filters that are an effective way to instantly reduce glare and make it easier to work in a bright office setting. A glare filter is also... a key tool in increasing privacy when dealing with sensitive or classified information. With the benefit of glare filters, staff can safely and securely check emails or look at spreadsheets from a tablet or notebook in a public place.
Whether your primary objective for purchasing a new monitor glare filter is for increased visibility or better privacy, the knowledgeable staff at Connection can guide you through the selection process. By taking into account the dimensions of your tablet, smartphone, notebook, or computer monitor, we can find the correct size, color, and security level for your needs. We offer an extensive variety of the top brands in computing, and you will be able to choose from monitor glare filter options by high-quality brands like Targus, 3M, Kensington, and Lenovo.
With the help of glare filters, you can increase the usability of a smartphone, notebook, or tablet computer. In addition, a monitor glare filter may allow users to securely access sensitive business information when they are on the go, which helps keep business moving no matter where in the world an employee might be. Allow Connection staff to find the best anti-glare, anti-static, and easy-to-clean filters for use in your office.
View All Refinements
Featured Glare Filters
Getting Details


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The One4All Gift Card is available in sterling (£) only. The Card is not a credit card or a charge card; nor is it a debit card linked to a current account. It is a prepaid card which means that money must be loaded onto the Card at the time of purchase. Once one Business Day has elapsed from the date of purchase, cardholders can use the Card to pay for purchases at Participating Retailers. The Card is issued by GVS Prepaid Limited and is subject to these terms and conditions.
Certain limits apply to the Card. A maximum value of £400 may be loaded onto the Card at the time of purchase; the minimum load value is £10. Only full £1 amounts (or multiples thereof) may be loaded onto the Card. Additional amounts may not be loaded onto the Card at any time. Interest will not be payable in respect of Card balances.
"Agreement" means the agreement between you, us and GVS, which includes these terms and conditions.
"Business Day" means any day from Monday to Friday excluding UK bank holidays.
"Card" means the One4All Gift Card, a prepaid card denominated in sterling, or any replacement card which we issue to you from time to time.
"Card Purchase" means any transaction whereby the Card is used as payment for goods and/or services at Participating Retailers.
"Gift Voucher Shop" or "GVS" means The Gift Voucher Shop Limited, a company having its registered office at 4 The Merlin Centre, Acrewood Way, St. Albans, Herts, AL4 0JY.
"GVS Prepaid", "We" (or "we") or "us" means GVS Prepaid Limited whose registered office is at 4 The Merlin Centre, Acrewood Way, St Albans, AL4 0JY, and any business or other person to whom any or all of our rights and responsibilities under this Agreement may be transferred or delegated.
"Participating Retailer" means a supplier of goods and/or services in the UK which has agreed to accept the Card as payment for goods and/or services. A list of participating retailers can be found on the One4all website.
"Programme Partner" means a corporate body or organisation that purchased the One4all Gift Card.
"Valid thru" means the period within which the physical Card is operational and ends on the Valid Thru date. (A replacement Card will be required to use any funds remaining on the card after this date.)
"Website" means the One4all website www.one4allgiftcard.co.uk
"You" (or "you") and "Your" (or "your") means the person who purchased the Card or the person in possession of the Card from time to time who has been gifted the Card by the purchaser.
Contact Details
For lost or stolen cards – 0370 085 4141
For balance enquiries – visit the Website or call 0330 828 0881
For queries or disputes relating to previous transactions – 0370 085 4141
To redeem the balance on your card – 0370 085 4141
2.1 The use of the Card is subject to the terms of this Agreement as may be varied by us from time to time. The current version of the terms and conditions is available on the Website. Purchase and Usage of the Card constitutes your acceptance of these terms and conditions.
2.2 The Card will not be personalised; meaning the cardholders name will not be printed on the card. The Card is transferable by delivery. We will assume, unless and until you tell us to the contrary, that the person who uses the Card at any time is the rightful user of the Card.
2.3 The Card will normally be available for use within one Business Day from the date of purchase; the Card may not be used in the intervening period.
2.4 Please record your Card number or retain the purchase receipt as proof of purchase; the Card number will be needed to redeem your Card balance or if your Card is lost or stolen (see Clauses 10 and 11 of these terms and conditions).
2.5 You may use the Card, in accordance with any instructions issued by us from time to time, until the Card balance reaches zero, at which point this Agreement will automatically terminate and your right to use the Card for Card Purchases will cease.
2.6 You may request repayment of any credit balance outstanding on the Card by calling GVS on 0870 085 4141. A Redemption Fee may be applied in accordance with Clauses 6 and 10.
2.7 The Card belongs to us. It must be returned to us (cut in half vertically) immediately upon request. We or any person acting on our behalf (including GVS) may retain the Card at any time without notice to you.
3. Funds Protection
3.1 The One4all Gift Card is an electronic money product and is issued by GVS Prepaid. GVS Prepaid keeps all money exchanged for the One4all Gift Card in a bank account which is separate and segregated from the assets of GVS Prepaid. This means, in the unlikely event of GVS Prepaid becoming insolvent your money is protected and will be available for return to card holders.
3.2 The Financial Services Compensation Scheme does not cover claims made in connection with the issuing of electronic money
4.1 You must:
(a) treat the Card as if it were cash
(b) take all reasonable care and precaution in the custody of the Card and ensure that the Card is not lost, mislaid or stolen
(c) keep your transaction receipts safe and dispose of them carefully and
(d) never give your Card number or any other Card information to anyone unless you know who they are and why they need such information.
4.2 We recommend that you protect your Card from scratches and exposure to magnets which may damage the Card and result in it not being readable when presented at a retailer as a form of payment.
5.1 The Card may only be used in Participating Retailers. The up to date list of Participating Retailers is available on the website; the list of Participating Retailers may change from time to time.
5.2 We will debit the amount of all Card Purchases to the Card, at the time that the transaction takes place. You must not use the Card to spend more than the Card balance at any time. If you attempt to spend more than the Card balance your transaction may be declined.
5.3 You cannot stop a Card Purchase after it has been authorised. To authorise a purchase you must sign a receipt for each Card Purchase; the amount of the Card Purchase must be confirmed with the Participating Retailer at the time of authorisation.
5.4 We will not issue statements. You can obtain your Card balance or obtain information about previous Card Purchases by logging onto the website or calling GVS on 0330 828 0881. You are responsible for monitoring your Card balance and for ensuring that there are sufficient funds on the Card at all times to pay for Card Purchases. The up to date Card balance and any recent Card transactions will be available to view the same day. You can print out the transaction history for your records.
5.5 If at any time you believe that a Card Purchase has been incorrectly debited to your Card you must notify GVS immediately by calling 0370 085 4141 and in any event within thirteen months of the date of the Card Purchase. If requested, you must put your query in writing. We will investigate the transaction and, if appropriate, reinstate the balance on your Card on completion of our investigation if the transaction is found to be fraudulent, unauthorised and completed without any negligence on your part.
5.6 If the amount of a purchase which you wish to make using your Card is greater than the available balance, you can pay the difference in cash or by another payment method.
5.7 Your card does not expire. You will see a 'Valid Thru' date on the front of your card. This will be used as the expiry date when shopping online. If you have funds remaining on the card at this valid thru date, you should contact us and we will reissue a new card to you. Please note that while your card does not expire a monthly inactive balance charge will be applied if any funds remain on your card 18 months after its date of purchase. See section 6 below.
5.8 Neither GVS Prepaid nor GVS will be liable for any defects in any goods or services paid for using the Card. Any queries or complaints about such goods or services should be addressed to the relevant Participating Retailer(s).
6.1 The amounts of fees and details of when they will be payable are set out in the table below. The Postage and Packing Fee must be paid separately at the time of purchase of the Card. All other fees will be debited directly to the Card as they arise and will be payable to the Gift Voucher Shop Limited.
Inactive Balance Charge
6.2 A monthly inactive balance charge of £0.90 (or the credit balance on the Card, if lower) will be charged after the Card has been in issue for 18 months. This charge will start to be applied from the following month and will continue until such time as the balance on the card is zero and this Agreement is terminated.
Fees & Charges Table
Postage and Packing Fee (for internet Card Purchases)
£0.99 fee per purchase transaction, regardless of the number of Cards purchased
Redemption Fee (this fee applies where the customer contacts GVS to redeem the Card in accordance with Clauses 2.6 and 10).
£7.50 fee per card or the balance on the Card, if lower
Card Replacement Fee (if the Card is lost, or stolen and we issue a replacement card at your request)
£5 fee per Card
Inactive Balance Charge
£0.90 charge per month, or remaining balance on card if lower.
7.1 We reserve the right at all times to introduce new terms and conditions and/or to vary or amend the existing terms and conditions by giving you two months' notice thereof on the Website or by whatever means we, in accordance with applicable legislation, deem appropriate at that time, in which circumstances you shall be free to terminate this Agreement. In such circumstances the Redemption Fee will not apply. In the absence of any prior notice to the contrary, you will be deemed to have accepted such revised terms and conditions with effect from their notified effective date.
7.2 We reserve the right at all times to vary any and/or all applicable fees and charges by giving you two months' notice thereof by whatever means we, in accordance with applicable legislation, deem appropriate, save where the variation is to your benefit in which circumstances we may implement such variation with immediate effect and notify you thereafter.
8.1 The following Card limits will apply:
Minimum Load Amount £10
Maximum Load Amount £400
The amount you pay onto the Card must be in multiples of £1.
8.2 We may, at our reasonable discretion and without prior notice to you, restrict the use or operation of the Card in circumstances where:
• you are in breach of this Agreement
• we have reasonable grounds to suspect unauthorised use of the Card, fraud, theft or dishonesty; or
• we have any legal, regulatory or other objectively justifiable reason.
In such circumstances, we will be entitled to take such steps as we consider reasonably necessary to:
• block the use or operation of the Card;
• refuse to allow or authorise a Card Purchase;
• suspend, restrict or terminate your right to use the Card;
• withdraw the Card; or
• refuse to replace the Card.
Where the Card is blocked, and you believe it may be because of the circumstances above please contact us on 0370 0854141 and we will advise you as to how the block may be removed.
8.3 You must not use the Card:
(a) after any notification of its withdrawal is given to you
(b) once the Card balance reaches zero
(c) as payment for any illegal purchase.
9.1 The Card can be used for Card Purchases in the UK only; the Card may not be used abroad.
9.2 The Card cannot be used in automated teller machines ("ATMs") to obtain cash.
9.3 The Card may be used to purchase goods or services by telephone or online from selected Participating Retailers in the UK.
10.1 You may at any time request repayment of the remaining credit balance on the Card by calling GVS on 0370 085 4141 and quoting your Card number. You must not use your Card after you ask us to repay the balance to you. In order to allow any outstanding Card Purchases to clear, GVS will refund the balance to you by bank transfer to your nominated bank account, minus any fees within seven Business Days of such a request. The Redemption Fee set out in Clause 6 will apply.
10.2 If you wish to redeem the balance you may be required to submit documentation to us for purposes of identification in accordance with our customer due diligence process.
10.3 If you received this card from a corporation/business (including a third party), GVS reserves the right to notify the corporation of the redemption request.
10.4 If you received this card from or via a Programme Partner, GVS reserves the right to notify the Programme Partner of the redemption request.
11.1 You should treat the Card as if it were cash. If the Card is lost, stolen, damaged or fails to operate correctly or if the Card number becomes known to any unauthorised person you must immediately notify Customer Services (details below). You must quote the Card number; if you do not quote the Card number we will not be able to cancel the Card or issue a replacement Card. If your notification is made orally it must be confirmed in writing within fourteen Business Days. Notification should be made to:
Gift Voucher Shop
PO Box 52796
London EC1P 1ZA
Telephone: 0370 085 4141
11.2. Provided that you have not acted fraudulently or without reasonable care you will remain liable for any debit to the Card by the unauthorised use of the lost or stolen Card, subject to a limit of £50. If you have acted fraudulently, or without reasonable care you may be liable for the entire loss.
11.3 Following notification under Clause 11.1 , if there is a credit balance on the Card at the time the Card is reported lost or stolen, we will cancel the original Card and GVS will send a replacement Card to you (with the appropriate credit loaded on to the replacement Card) at the address nominated by you. We can not issue a replacement Card if you do not tell us the Card number. To allow for the processing of any pending Card Purchases, we will wait seven Business Days prior to issuing any replacement Card. A fee will be payable to GVS for any replacement Card in accordance with Clause 6 above; the amount of this fee will be deducted from the Card balance.
11.4 If you subsequently find the original Card, you must notify GVS immediately. You must not use the original Card.
12.1 It will be necessary in all cases for a Participating Retailer to obtain authorisation from us or our agents to honour the Card for a particular Card Purchase; this is to ensure that there are sufficient funds on the Card. We may refuse to authorise a Card Purchase at any time if there are insufficient funds on the Card.
12.2 A Participating Retailer may not be able to obtain authorisation from us in some circumstances (for example, if there is a problem with the phone line between the Participating Retailer's premises and our authorisation centre). If this happens neither GVS Prepaid nor GVS will be responsible if you are unable to use the Card for a particular Card Purchase. Furthermore, neither GVS Prepaid nor GVS will be liable for the refusal of any Participating Retailer to accept or honour the Card for any reason.
12.3 If a Participating Retailer becomes liable to make a refund to you we will not credit the amount of any refund to the Card; refunds are a matter between you and the relevant Participating Retailer.
12.4 For purchases online please retain you card as Participating Retailers may make refunds onto the card used for the initial payment should it be necessary.
12.5 The list of retailers may change from time to time and retailers listed may withdraw from the programme at any time. A list of currently participating retailers is available on the Website
13.1 GVS Prepaid will not be liable for any delay or failure in performing any of its obligations in respect of the use of the Card where such delay or failure occurs because of any circumstances beyond GVS Prepaid's reasonable control.
13.2 The accounts and records kept by GVS Prepaid or on its behalf shall, in the absence of an obvious error, constitute sufficient evidence of any facts or events relied upon by GVS Prepaid in connection with any Card Purchase or matter or dealing in relation to the Card.
13.3 GVS Prepaid may disclose details of the Card to GVS and to any person acting as its agent in connection with the use or issue of the Card.
13.4 This Agreement shall be governed by and interpreted in accordance with English law.
13.5 All communications under this Agreement will be in English.
13.6 GVS Prepaid and/or GVS may record or monitor phone calls with you for training purposes, to enable instructions to be verified and to assess whether our service standards are being met.
13.7 GVS Prepaid may transfer to any other person any or all of its rights and/or obligations under this Agreement. GVS Prepaid may do this without telling you but your legal rights will not be affected and your obligations will not be increased as a result. Any person to whom you transfer or give the Card will also be subject to these terms and conditions.
If you are not satisfied with any aspect of the service offered, please contact Customer Services on 0370 085 4141 or write to Customer Services at
Gift Voucher Shop Limited,
PO Box 52796,
Email: firstname.lastname@example.com
They will be pleased to help and explain the complaints procedure in more detail. A copy of the complaints procedure is available upon request. GVS Prepaid and GVS will try and resolve your complaint as soon as possible. Often however, the complaint will need to be investigated. If this is the case, GVS will write to you within 5 Business Days to acknowledge receipt of your complaint and tell you how long it might be before your complaint is resolved. If your complaint cannot be resolved, you may refer it to the Financial Ombudsman Service (the "FOS"). The FOS is an independent body. You can contact the FOS at
Financial Ombudsman Service
Exchange Tower
Website: www.financial-ombudsman.org.uk.
email: email@example.com
Telephone 0800 023 4567 or 0300 123 9123
If we have not been able to resolve your complaint to your satisfaction AND you have bought our product or services online:
The European Commission has established an online dispute resolution platform (ODR platform) which is specifically designed to help customers resident in the European Union who have been unable to resolve a complaint with traders established in the European Union from which they purchased goods or services online. You can submit your complaint online through the ODR platform in any of the official languages of the European Union. The platform will then send your complaint to the Financial Ombudsman Service for an independent review within 90 days.
You can access the ODR platform here at http://ec.europa.eu/odr
You will need our email address (email@example.com), our website address (www.one4allgiftcard.co.uk) and our location, The Gift Voucher Shop, PO Box 52796, London, EC1P 1ZA)
The One4all gift card is issued by GVS Prepaid Limited. GVS Prepaid Limited is incorporated in England with limited liability. Registered Office; 4 The Merlin Centre, Acrewood Way, St Albans, Herts, AL4 0JY.
Effective from December 2016
GVS Prepaid Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 [register ref 900230] for the issuing of electronic money.
One4all Personalise My Card
For full Terms & Conditions on the One4all Personalise My Card product sold online please visit the T&CS section on One4allgiftcard.co.uk
One4all Reward Card
For full Terms & Conditions on the One4all Reward Card product sold online please visit the T&CS section on One4allrewards.co.uk


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Published Saturday, Oct. 2, 2010 | 6:40 p.m.
Updated Saturday, Oct. 2, 2010 | 10:04 p.m.
UNLV or UNR?
The Rebel Room
A look at UNR with the Reno Gazette-Journal's Dan Hinxman
In preparation for this Saturday's Battle for the Fremont Cannon at Sam Boyd Stadium between UNLV and Nevada-Reno, Ryan Greene chats with Reno Gazette-Journal columnist Dan Hinxman for a closer look at the No. 25 Wolf Pack. You'll find out just how Chris Ault's team is approaching this one mentally, along with who are some key names, outside of the obvious, to keep in mind.
Related Content
Final, UNR wins 44-26
It wasn't quite as resounding as last year's game, but Nevada-Reno still soundly took it to UNLV, claiming the Fremont Cannon for a record sixth consecutive season on Saturday with a 44-26 victory at Sam Boyd Stadium.
Senior running back Vai Taua finished with 188 rushing yards on 19 carries, ending three of those totes with touchdowns. That included a 72-yard dagger late in the third quarter. He also scored on a 22-yard pass play in the first half.
It was a somewhat quiet night for UNR star quarterback Colin Kaepernick, but he still guided the offense of the No. 25 team in the land to more than 500 yards of total offense and nearly 400 on the ground alone.
UNLV's Omar Clayton was 14-of-23 through the air for 214 yards, a score and an interception. He also ran for a TD, while junior receiver Phillip Payne was his lifeline for much of the night with eight catches for 170 yards.
The Wolf Pack improves to 5-0 on the season, and keeps its dream of unseating Boise State atop the WAC mountain alive, while the Rebels drop to 1-4 and now gets to travel east to face Big East power West Virginia next Saturday.
For full coverage, including stories, analysis, photos, video, stats and The Rebel Room: Postgame Edition podcast, stay tuned to lasvegassun.com/rebels.
8:59, Fourth Quarter, UNR leads 44-20
UNLV got strangely conservative to cap its last drive, but UNR then showed that it has no intention to slow down.
The Rebels rode the Omar Clayton to Phillip Payne route to the red zone yet again, as the All-MWC receiver now has seven catches for 152 yards.
But he was taken out of the game on a third-and-goal play from near the goal line, and a 5-yard TD run by Marcus Sullivan was called back because of holding. On fourth-and-goal from the 15, UNLV decided to take a field goal while down 21.
Nolan Kohorst hit a 33-yard attempt, but UNR then just simply muscled its way down the field again, moving itself ahead of the 21-point spread set by Vegas oddsmakers.
Vai Taua capped a drive that took only 2:58 with a 2-yard TD plunge out of the wildcat formation. It was his fourth score of the game, and the Wolf Pack is now in cruise control while headed towards the finish line, leading 44-20.
15:00, Fourth Quarter, UNR leads 38-17
The 65-yard pass from Omar Clayton to Phillip Payne netted just a 24-yard Nolan Kohorst field goal, as the Rebels didn't get too risky after being set up at the UNR 10-yard line.
The Wolf Pack didn't take long to make the Rebels pay for being conservative.
On the first play of its ensuing drive, UNR went 72 yards on one play, as Vai Taua found a nice seam up the right side of the UNLV defense, racing for a score. He now has 186 yards and two TDs on just 18 carries, and another TD on a 22-yard first half catch.
The Rebels are now on the move again, as Phillip Payne continues to work the Wolf Pack secretary. For the second consecutive year, he's over 100 yards receiving against UNR, with seven catches for 152 yards.
2:42, Third Quarter, UNR leads 31-14
UNR got gutsy on its first drive of the third quarter, UNLV caught a break, but still, the Rebels couldn't make up any ground.
A few minutes later, UNLV finds itself trailing its rival by three scores with time running short.
On a fourth-and-one attempt inside the UNLV 10-yard line on the opening possession of the second half, Isaako Aaitui forced a Courtney Randall fumble, which was recovered by Sidney Hodge at the six. UNLV went three-and-out, though, and UNR took 10 plays to humbly move 37 yards and ended the drive with an Anthony Martinez field goal.
UNLV, facing a three-score hole, got a nice start to its next drive with a 65-yard pass play from Omar Clayton to Phillip Payne, and UNLV still has an offensive pulse.
Halftime, UNR leads 28-14
With the way the game was going when UNLV tied UNR 14-14, the Rebels couldn't afford mistakes if they wanted to keep pace in what has lived up to the billing as a shootout.
A huge fumble late in the half dearly cost the Rebels, and they now find themselves in a 28-14 hole at the break.
UNR originally took the 21-14 lead thanks to a 2-yard Vai Taua run to cap yet another drive in which the Pack chipped away five and six yards at a time against the weary Rebels defensive front.
Then, UNLV's Michael Johnson fumbled off of a swing pass, setting UNR up inside the Rebels' 30-yard line. Taua then took a swing pass of his own from Kaepernick and scooted 22 yards down the sideline for an easy score.
Now, UNR gets the ball out of the half with a chance to drive potentially the first nail into the coffin of a UNLV team that has yet to force a punt tonight.
Here are some key numbers from the first 30 minutes ...
— UNR has 157 yards on 25 carries, racking up 16 first downs. UNLV has only 52 rushing yards on 19 attempts.
— Colin Kaepernick is 7-of-8 with his arm for 73 yards and a TD. His lone incompletion was a Will Chandler interception, which couldn't produce any points for the Rebels.
— Taua leads all rushers with 90 yards on 15 carries.
— UNLV's Omar Clayton is 8-of-12 for 76 yards and his first interception of the 2010 season.
— Time of possession is basically dead even, (14:59 for UNR, 15:01 for UNLV), but one bad mistake tells the story. Clayton's interception throw was on a desperate toss at the end of the half, and was just the second thrown this season by a UNLV quarterback.
7:41, Second Quarter, game tied 14-14
Omar Clayton did his best Colin Kaepernick impersonation, and sparked by a 33-yard run on third down from the senior quarterback, the Rebels are again tied up with the Wolf Pack, 14-14, mid-way through the third quarter.
Clayton has four carries for 53 yards, with all of it coming on that drive, capped by an 8-yard TD run.
Also providing some life on the drive was Phillip Payne, who is more involved tonight than he has been in any game so far this season, with three catches for 36 yards. All three receptions have gone for first downs, too. UNR is having a very tough time covering him.
13:19, Second Quarter, UNR leads 14-7
UNLV is getting some strong open field hits in on UNR quarterback Colin Kaepernick and his constituents, but the problem is that they are typically coming at the end of six- or seven-yard gains.
This time around, those gains added up to another touchdown drive for the Wolf Pack, who now has 136 total yards and 11 first downs. The latest drive was capped by a 1-yard touchdown run by Courtney Randall.
As for a stat update on Kaepernick, he's 5-of-5 with his arm for 42 yards and has another 33 yards off of five carries.
5:17, First Quarter, game tied 7-7
Considering how easy UNR made scoring on its first possession look, UNLV needed to make a statement quickly to keep this thing from getting out of hand.
They did, thanks to a costly Wolf Pack mistake.
On a fourth down punt from midfield, UNLV kicker Brendon Lamers was knocked down, drawing a key 15-yard flag. But UNLV didn't need to take advantage of it, as UNR muffed the punt and the UNLV recovery set Omar Clayton and the offense up at the 17-yard line.
A 12-yard pass to Phillip Payne set up UNLV's first score of the night, which was a 1-yard plunge from Bradley Randle. For his first career score, the Rebels' scat back leapt over a pile of bodies at the goal line.
It wasn't the prettiest of routes to scoring, but it did awaken a crowd that was on the verge of growing disinterested after UNR's opening possession.
10:18, First Quarter, UNR leads 7-0
Well, that didn't take long.
Give UNLV some credit for its confidence, as it decided to take the ball first after winning the coin toss in order to establish something strong and keep UNR's Colin Kaepernick off of the field for as long as possible.
An uninspiring 3-and-out by the Rebels set UNR up at its own 40-yard line.
Eight plays later, Kaepernick was scooting across the goal line on a 16-yard TD jaunt.
The UNR star was 2-for-2 through the air on the drive for 23 yards, while senior running back Vai Taua had 18 yards on four carries.
UNLV needs to respond quickly, and its ensuing possession got off to a promising start with a 10-yard completion from Omar Clayton to Phillip Payne.
For one night, UNLV can throw out the rough take-off of the Bobby Hauck Era, as records don't really matter in this rivalry.
In the eyes of some, how Hauck's first season in Las Vegas is defined could have plenty to do with how the Rebels (1-3) look tonight at Sam Boyd Stadium against rival Nevada-Reno (4-0).
The Wolf Pack comes to town ranked 25th in the country and with dreams of potentially fighting Boise State over Thanksgiving weekend for a — gasp — BCS berth.
Look, over the past week or so, we've spent more than enough time talking about the atrocious recent history the Rebels have in this rivalry, with their current 5-game skid against the Pack having peaked last October in the form of a 63-28 loss that was nothing short of an absolute embarrassment.
It's also no secret that if UNLV wants any chance of covering a 21-point spread, let alone contending tonight, the defense has to somewhat contain Heisman hopeful Colin Kaepernick.
UNLV has a shot to hang in here, believe it or not.
If the Rebels are going to do so, here are my three keys to UNLV success:
1) Did they buy in?
This is Hauck's first chance to prove that he'll have more success against the Rebels' biggest rival than his predecessor, and he's taken on a very strong presence around his players this week.
UNLV's best hope to make it a game is by punching UNR in the mouth, figuratively, in the first quarter and showing UNR that a blowout will not be a given.
If UNLV can establish some ground early, given the atmosphere tonight, I like the Rebels' chances to keep it somewhat close. 'Somewhat' is the key word there. UNR is really damn good.
2) Omar. Plain and Simple
Senior quarterback Omar Clayton's numbers last week against New Mexico weren't wild, but they were efficient, as he was 14-of-20 for 194 yards, three TDs and no picks. He moved the ball well, picked up first downs, didn't turn it over and made enough big plays.
That wasn't the case in UNLV's first three games, as you may remember. If he can do so again, it will keep UNR's offensive juggernaut off of the field and give the Rebels a fighting chance. Somewhat.
3) Rush 'em again
UNLV recorded four sacks last week after its pass rush was non-existent in the season's first three games.
No need to elaborate: A similar performance wouldn't hurt this time around.
Talk to you a bit after kickoff, as we're about 20 minutes from game time, and UNR's players finished warm-ups by collectively stomping on the UNLV logo at midfield. It's gonna be a fun night.


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- Name: Ryan Buchanan
- Complete the sentence "I Market…": brands that have a meaningful story to tell and help them tell their story in the digital realm.
- One word that describes you: Positive
- First job? Finance guy at Intel
- Current job? CEO of eROI
- Favorite part of current job? Business and marketing strategy
- Favorite AMA Event? MAX Awards
- What should the MAX Awards give away instead of trophies? Big heart-shaped tokens of love
- Did you pick Portland, or did it pick you? Both (but I came to Portland intentionally)
- Favorite thing about living here? The outdoors
- Favorite happy hour spot? Davis St Tavern
- Where can we find you on the weekend? My daughters soccer games or on the mountain
- Favorite website? www.eroi.com
- Facebook or Twitter? Twitter
- East side or West side? East side
- Beer, wine, or coffee? Beer
- Car, bike or TriMet? Bike
- Where can we find you online? www.eroi.com
Ryan Buchanan, CEO and founder of eROI, started the company in November 2002. He has nine years of email marketing and digital experience and works with clients on a variety of digital campaigns – email marketing, social media, mobile and web micro-sites. He has also been published in notable industry publications like iMedia Connection, DM News, and eMarketer. He has led the growth of eROI from a couple employees at its inception to a full team of e-marketing experts, creatives, technical, account, and sales teams and has driven significant growth to earn eROI a spot as an Inc. 500 company. Through Buchanan's leadership, eROI was the only small, young company to be recognized as one of the Most Admired Companies in Oregon by a Portland Business Journal survey of 2,000 CEOs in the state. Buchanan just recently completed his tenure as Chairman of the Board of the Software Association of Oregon (SAO) and President of the Board of the Portland Advertising Federation. He currently serves on the SAO, Friends of the Children, OEN, and Greater Portland Inc. Buchanan was named as the Portland Business Journal's '40 Under 40,' an award that recognizes city leaders under 40 years old. He was also named by Oregon Business magazine as one of "the 50 Great Leaders for Oregon – 50 who fix it,move it, build it, change it and get it done right."
Twitter: @ryanbuch


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Whales in the Wadden Sea and in the world oceans
Here you will learn all about the Porpoise, the only native whale in the Wadden Sea National Park, and its many relatives in the oceans.
The main attraction is the 17.5 metre-long skeleton of a Sperm Whale which stranded in 1997.
Unique in Germany, the visitor has the chance to not only see the 157 original bones of the skeleton, but also the other half is modelled into the shape of the real whale. This perfectly shows the body of this diving animal.
Impressive sights!
Visitors can have the impression of standing 'eye to eye' with the giants of the sea.
Relax in sunbathing area with a view of the huge whale fluke and listen to captivating stories.
In ten themed chambers, learn amazing details about the lives of whales, from birth to death, the dangers they face and the efforts to protect them.


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In General
Many people assume that in Ontario, matrimonial property issues are resolved with a couple getting "50/50" of the total property the parties own. Many people also assume that the equalization of property scheme applies to common law couples as well as married people.
Neither is true. Ontario has an equalization of property scheme, which is different from actually dividing up the property equally between the parties. IT APPLIES ONLY TO MARRIED PEOPLE (see my FAQ regarding common law relationships).
In Ontario, property equalization is figured out by having each spouse disclose all assets and debts to come up with a net worth figure (called your Net Family Property). The spouse with the higher Net Family Property (or NFP), pays the spouse with the lower one an equalization payment equal to one half the difference between the two NFP's. For example, if you have an NFP of $100,000, and your spouse has an NFP of $50,000, you would owe your spouse one-half the difference between $50,000 and $100,000 - or $25,000, to equalize your NFP's. As you can see, having a low NFP will reduce what you owe your spouse, or may increase what is owed to you. You cannot go below zero with your NFP. If your NFP is a negative number, you will have to put "zero" on your financial statement.
The equalization scheme means that you usually get to keep whatever is in your name, and your spouse keeps whatever is in his or her name, including pension plans and RRSP's, as long as you can pay your spouse the equalization payment owing. If you can't, you may have to transfer assets, such as RRSP's, to your spouse to make up the equalization owing. Joint assets are either sold, and the proceeds divided, or one spouse buys out the other to keep the joint asset.
Exclusions and Deductions
Pre-marriage property:
There are some exclusions and deductions to your NFP that are very important. You are allowed to deduct the value of all pre-marriage property, with the exception of the matrimonial home. This means that if you owned an asset, such as an investment, or real estate other than the matrimonial home, or even household furnishings, and you can establish a value as of the date of your marriage, you can deduct those values from your Net Family Property. You don't have to have the item at the date of your separation. You just have to remember what you owned on the date of your marriage, and be able to establish a value for it.
You can deduct the value of any debts you owed as of the date of your separation. This includes credit cards, lines of credit, mortgages, private loans, and the like. It just has to be money you owed on the date of your separation, and you need to be able to prove you owed it. Loans from your parents or other family members may or may not qualify as deductions, depending on the documents you may have signed with your parents at the time the loan was given. Parental loans are assumed to be gifts unless you can establish otherwise.
Gifts and inheritances
If you received a gift from any third party (that means anyone other than your spouse) during your marriage, you can deduct it in its entirety from your NFP - UNLESS YOU USED THE MONEY TO PURCHASE THE MATRIMONIAL HOME OR PAY OFF A MORTGAGE AGAINST IT, OR TO DO ANY RENOVATIONS RELATED TO THE HOME. If you did, you can't deduct the gift. Another exception is gifts from third parties that are put into the joint names of the spouses. For example, if your mother gives you $30,000, and you put it into your name and your spouse's name jointly in a bank account, you can only deduct your half, and not the entire gift.
Insurance payments for personal injury
If you were injured, and received damages for your injury (most often through an insurance policy), you can deduct this money provided you have not used it towards the acquisition or maintenance of the matrimonial home.
Pre-marriage debt
If on the date of your marriage, you had a negative net worth (you owed more money than the assets you owned), and at the end of your marriage, on the separation date, you own more than you owe, the pre-marriage debt will act to increase your NFP. The theory is that if you started the marriage in the red, and are now in the black, you have profited by having your debt retired during the marriage.
The Matrimonial Home
The Ontario Family Law Act defines the matrimonial home as being the residence (or residences) you are living in at the date of separation as a married couple. If you lived in one home, sold it, and purchased a second home, the previous home is not a matrimonial home. Only the home you were living in on the separation date is your matrimonial home.
It is possible to have more than one matrimonial home. The family cottage may be a matrimonial home, too, for example, if it is used seasonally by the couple.
It is important to know whether your residence is a matrimonial home, because such homes are treated differently from other property under the Family Law Act.
Matrimonial homes cannot be excluded from your NFP as pre-marriage assets, even if one party was on title alone at the date of marriage.
Both parties have an equal right to possess the matrimonial home (although it may be that only one party owns it).
You cannot sell or mortgage the matrimonial home without the written consent of your spouse.
Inherited money that is used to buy a matrimonial home, to pay down the mortgage, or to renovate cannot be excluded from your NFP.
Filling out your financial statement
Whether you are going to court or not, you will probably be filling out a sworn financial statement in order to settle your affairs with your spouse.
A sworn document tells the world that you have reviewed the document, and that to the best of your knowledge, the facts in it are true. It places a very high standard of truth telling on you. You can be cross-examined on the contents of the document if the matter goes to court, and the court will be entitled to make adverse findings against you if you have not told the truth in the document.
The financial statement is divided into two parts: income and expenses and property. In most cases, you need to fill out both parts.
Income and expenses:
You need to provide me with your tax returns (and Notices of Assessment if at all possible) for the past three years, and a recent paystub, as well as some proof of your income to the date of the statement if your paystub does not show year to date income. If you have a new partner, and spousal support is an issue, then you may need to reveal what your new partner makes, and what proportion of the household expenses he or she pays, as well as how many children your partner has, as per the appropriate boxes on the financial statement.
Fill in your monthly expenses as best you can. Don't bother to total them. I will do that for you. Make sure they are expenses that you actually pay, and not ones that a new partner or someone else pays for you. Be sure to include monthly debt payments in the appropriate line. Be as accurate as you can.
Property and debt:
This portion of the statement is divided into three columnms - date of marriage, valuation date, and statement date.
The date of marriage asks for the value of your assets or debts on the date of marriage. The valuation date asks for the value of your assets and debts as of the date of separation. The statement date asks for the value of your assets and debts as of the date you are writing the statement.
Put in the total value of the matrimonial home if you own it alone, put in half the value if you own it jointly with your spouse or another person, and put in nothing if you don't own it at all.
You and I will discuss how specific you need to be in detailing the value of household goods. Often, if the parties have already agreed on the division of these, it is not necessary to include a detailed value for them. You should put in the value of your vehicles, boats and other like items no matter what, however.
If you have an actuarial appraisal done for your pension plan, you can include its value. Pensions are often big assets, and merit special consideration. You and I will discuss your pension value in some detail. Be sure to include a value for all of your RRSP's, money in the bank,
and other like assets in the appropriate box. Remember that stocks and bonds (including Canada Savings Bonds) are assets, and you must include them on your statement.
If your life insurance has a cash surrender value, include that in the appropriate box under life insurance. If your policy is term insurance, just include the "face value", and indicate who the owner and beneficiaries are.
Some assets may be difficult for you to place a specific value on (such as stock options, or real estate that has not been appraised). Give me as much information as you can about such assets, and then we will have to discuss whether to have them valued by an expert.
It is important that you complete your financial statement as accurately as you can. Please try to provide statements for all assets and debts wherever possible, including statements of your investments, credit card statements, and the like, as of the date of your separation.
Barrister & Solicitor
151 Wellington Street #1
Kingston ON K7P 1Z4