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Andrew Comstock, CFA
Advising professionals and business owners with their financial and retirement planning needs.Castlebar Asset Management, LLC
DescriptionAndrew Comstock has more than 13 years experience as a portfolio manager where he provided clients expertise in investment management, financial planning and retirement planning. He founded Castlebar Asset Management, a fee only registered investment advisory firm, in order to provide his clients with the highest degree...Read Full Bio of service, independent financial advice and expertise. Mr. Comstock has demonstrated his commitment to his profession by earning the financial industry's top credential in the Chartered Financial Analyst (CFA) accreditation. Andrew specializes in working with individuals and business owners in the areas of portfolio management, estate planning, and business retirement planning. Castlebar works with clients in the Johnson County Area which includes: Leawood, Overland Park, Lenexa, Shawnee, Olathe, Mission Hills, Prairie Village, Fairway, Westwood as well as Kansas City, Missouri.Read Less
other namesAndrew Hayes Comstock
Other FirmsN/A
doing business asN/A
10901 Lowell Ave SUITE 125
Overland Park, KS 66210
Advisor Services
Financial Planning
- -Comprehensive Financial Planning
- -Retirement Planning
- -College Planning
- -Charitable Planning
Portfolio Management
- -Individuals and/or Small Businesses
- -Businesses or Institutional Clients
Funds Used With Clients
There are no funds listed for this advisor at this time.
Firm Client types
No timeline events available.
|Castlebar Asset Management
|8 years, 2 months
|Feb 2012 - Present
|Everest Asset Managment Ag
|6 years, 2 months
|Sep 2006 - Nov 2012
Designations & Memberships
American Association of Individual InvestorsMembershipThe American Association of Individual Investors is a nonprofit organization with about 150,000 members whose purpose is to educate individual investors regarding stock market portolios, financial planning, and retirement accounts.
Chartered Financial AnalystDesignationWidely considered the gold standard for investment professionals, this six decade old charter is only given to designees who can demonstrate competence, integrity, and dedication to the field of investment management.
Articles and Answers
Insights by Andrew Comstock
*Articles are published by advisors without compensation.
AnswersAsk a financial questionAsk a question
|What do fee-only financial planners charge?
Rachel,Curt did a great job answering your question. If you are looking for some information about specific firms on their hourly rates, fee structures or account minimums there are additional places to look. If the firm is a Registered Investment Advisor they have to file an ADV Part 2 with either...  (more)
Answered Jul 2013
|My financial advisor ,UBS, has recommended putting a portion of my money with Northcoast Asset Management's Can Slim program. It would be about 20% of my assets with them. What is your thoughts on this strategy?
Steve- Prateek gave you some great questions. I would also ask 1) How does this investment style fit with other investments in your portfolio. I would look to make sure that there is a not a lot overlap between the CANSLIM approach and your existing funds. The CANSLIM approach can tend to be concent...  (more)
Answered May 2013
|Should I continue contributing to my 401k plan that receives no match from my employer?
Hi Andrew, You are asking the correct question but the answer as the other advisors have said is tough to answer in a forum like this. I would encourage you sit down with a financial planner who can demonstrate how contributing from a pre-tax qualified plan to a taxable account will impact your cur...  (more)
Answered Mar 2014
|What is an accredited investor and how does one know if I am one? Is there a certain checklist of things that one needs to make sure one has?
John,Andy's response is spot on. My firm asks for documentation for our files but many firms can be lax on these requirements. If an advisor does not asks for documentation this may be a sign you should conduct further due diligence before you use them as an advisor....  (more)
Answered Jul 2013
|Should my 401K contributions be 2 weeks behind being deposited into my 401K plan?
Nicole, This is a very good question. The answer is according to government regulations the money needs to be deposited at the earliest possible date that your 401(k) contribution can be segregated from the company's account. They are required to deposit it by the 15th day of the following month af...  (more)
Answered Aug 2013
|India - CD - investments?
Rod has made some great points. You also need to realize that you have currency risk along with interest rate risk and inflation to consider. If you are a dollar based investor you will need to spend dollars and not rupees. ...  (more)
Answered Jun 2013
|An advisor told me to go to cash on Dec 31. My question is when should I get back in?
This is kind of a loaded question. I would agree with the others that if an advisor had a thesis that you should move to cash they would also know when to move back in.So far they have been right but I don't think this is the forum for market timing information....  (more)
Answered Jan 2014
|Major differences between Growth Vs. Value Investing?
Growth and value are different styles of investing. Growth stocks funds focus on companies that have revenue and earnings growth which are greater than the overall market. Value style funds focus on companies which are considered undervalued or trade at a lower valuation than the broader market. Ho...  (more)
Answered Dec 2013
|Is it a good idea to invest in my company's stock?
The answers above have all made great points. It is ok to own your company stock either in a 401(k), your own personal account or some type of employee stock plan. You need to be focused on how much in percentage terms it represents in your portfolio. The guidance of between 5% and 8% is sound. I al...  (more)
Answered May 2013
|Savings account (stuffed mattress) vs. Index Fund? Mutual Fund? ETF? Where do I begin investing?
Susan, Having saved enough for an emergency is a great accomplishment. I understand that it is frustrating to see your hard earned savings account earn next to nothing at your bank. Your emergency fund should be kept exactly where it is today.You have several options on what to do with future cont...  (more)
Answered Jun 2013
|How old do you have to be to retire, also how many years do you need?
Edward,You have received some good advice from Rod, Rich and Andy. It looks like you have been with your company for 15 years so you should be full vested in your 401(k). I would make sure that you are not leaving money behind in your 401(k) by retiring early.I also echo that you should sit down w...  (more)
Answered Jul 2013
|Are the Franklin Templeton family of funds a good investment even with the 5% front end loads they charge.
There is very little reason today to pay a front load for a mutual fund. If you want to research the fund I would suggest going to Morningstar (http://www.morningstar.com/). Use that as starting point for your research on determining the quality of the fund. I echo what many of the others have said ...  (more)
Answered May 2013
|I am an employee at a small business in Maryland. We have a 401K plan with a 3% company match. However, we only have about 15-18 investment options through American funds and all the expense ratios are 1.35-1.90. How can I find lower expense ratio options?
Adam, This is a common compliant that I hear from people invested in smaller 401(k) plans. I would recommend that you speak with your HR contact or the plan administrator and discuss your concern over fees. This is really the only option that you have and has been stated by others above....  (more)
Answered Aug 2013
|Im a 30 year old actor who doesn't always make steady money. How much should I plan to save for retirement?
Tommy, You have received two great answers from Larry and Jonathan. I would echo Jonathan's advice that you should meet with a financial advisor. Ask some of your friends, colleagues or an attorney or accountant who you know for some recommendations. Meet with several advisors so you feel comfortab...  (more)
Answered Jan 2014
|I had 30k which Primerica doubled to 60k over the past 10 years. Now not sure where to move the money.
Lisa, Thanks for your question. It is important to have a relationship with your investment advisor. The performance is hard for me to analyze because I don't know your specific details. If you are not comfortable with your advisor I would encourage you to meet with some other advisors. You can sea...  (more)
Answered Nov 2013
|How do I invest short-term and protect my principal without resorting to using my bank's low yield certificates?
Marty, This is a question I am frequently asked by clients. If you want your principal guaranteed the only option is FDIC insured CDs or saving accounts. If you are willing to put your principal at risk, albeit very low risk, you can look at ultra short term and short term bond ETFs and mutual fun...  (more)
Answered Mar 2014
|I took a new posting with my employer outside the US.. Since my payroll is no longer in the US how can I continue in my 401k. Are there other options for me. I do not want to be locked out for three years(my contract). This would also impact my taxes?
Roop, I would speak with your personal CPA and the HR rep or retirement specialist at your company on this issue. If you work internationally the income your earn overseas, assuming you are resident of that country, most likely can not be contributed to your 401(k). ...  (more)
Answered May 2013
|How much are my various investment funds costing me?
Jim - Great question. There are three things that you need to look at to determine that a fund is costing you. You will need to look at the management fee, the 12b-1 fee and if there is a load (front or back end). The simplest way to get this information is go to morningstar.com and search each of ...  (more)
Answered Oct 2013
|Is there a limit as to how many IRA's one can have?
There are no limits on how many of the same type of accounts like and IRA you could have open at different or the same brokerage firm. It can be difficult to track many accounts at different firms and when you start to have assets over certain levels you can gain access to lower cost fund options an...  (more)
Answered Apr 2014
|What is a "RIA" firm ?
Robert, An RIA firm stands for a Registered Investment Advisor. This is a designation that companies receive when they register with the SEC or a state securities commission to operate as an investment advisor. RIA's have a fiduciary obligation to act in their clients best interest.Hope this helps...  (more)
Answered Oct 2013
|How do i buy gold in my sep ira?
The most cost effective way to own gold is through the GLD ETF. If you are looking to own physical gold the process is much more complicated. You will have to open a self-directed SEP IRA that allows you to buy physical gold. I strongly advise against this for clients because it is expensive and tim...  (more)
Answered Sep 2013
|How do we get a rating. Checking on my fees. If u could help with any of this.ThanksBrad Watts?
Brad - thanks for your questions. Could you clarify your question a little. Are you looking at a credit rating or trying to look an investment performance track record?...  (more)
Answered Jul 2014
|Does a financial advisor need 20 years of experience to give me great advice on how to invest?
I would agree with the other advisors. Having an experienced advisor is important but it is just as important to find an advisor that meets other criteria. An advisor who you feel comfortable with that has the industrial credentials warrants just as much consideration....  (more)
Answered Oct 2013
|Take my losses to wipe out taxes?
Bryan, The other advisors have given you some good advice. I wanted to point out one other option. If you still like an investment that you hold but have a loss on the position you can it now to recognize the loss and purchase it back in 30 days from now. This is called the wash rule and if you do t...  (more)
Answered Dec 2013
|Do you have any tips and strategy to share in any asset trading?
I echo the same sentiments as others have posted. Only trade in an account that has play money in it. If you want to build up your knowledge base about trading I would recommend reading "How to Trade Stocks" by Jesse Livermore. It is an old book but it is a good primer if you are looking to start so...  (more)
Answered Jun 2013
|How do I determine what a payout might be?
Edward - If you provide some additional information we will be able to answer your question....  (more)
Answered Jun 2014
|Looking for a retirement class locally?
The other advisors have given you some excellent suggestions. I would recommend a slightly different approach. I would ask some of your friends, colleagues or neighbors for suggestions on investment advisors who they use or know. You could also search on Brightscope. Set up a meeting with two to thr...  (more)
Answered Nov 2013
|What is the cheapest way to buy foreign stocks?
Alex is correct that ETF are an efficient and low cost way to invest internationally. If you do want to invest directly in foreign stocks you can see if the company has an ADR (American depositary receipt). This will cost the same to trade as any regular US share. I know that Schwab, Fidelity and ot...  (more)
Answered Jun 2013
*Answers are submitted by advisors without compensation.
Advisor Links
Is An Individual 401(k) Or SEP-IRA A Better Choice For You?
SEP-IRAs (Simplified Employee Pension Individual Retirement Arrangement) have been the most common retirement plan for self-employed` individuals and small businesses owners. They allow business owners to contribute a chunk of money to their retirement plans while reducing their tax bills at the same time. Individual 401(k) may work better for you and have some different features that could be beneficial.
A Guide To After Tax 401(k) Contributions
After tax 401(k) contributions have been a source of confusion for most people who can contribute to a 401(k) plan. It used to be tricky how to handle after tax 401(k) contributions once you leave your company or retire. There are now clear rules in place which make this process simple.
How To Pick An Online Bank?
Savers have you been frustrated with low interest rates offered from banks? I feel your pain! Universally clients always ask where they can get a little bit better interest rate for their savings accounts. I usually tell them that they need to be patient and interest rates will rise someday. Looking to online banks is a viable alternative. There are more attractive rates found from online banks in the current environment.
Using Peers As Motivation To Reach Your Financial Goals
Everyone is motivated in different ways to reach their goals. If you are a runner you might be able to jump out of bed and hit the streets to train by yourself. Or maybe you need to join a running club to help motivate you to reach your next race goal. You know that you respond better when someone challenges you to run longer, faster or having some competition within a group of outpacing people in will help you achieve your next goal.
Don't Manage Your Investments Like A Fantasy Football Team
I had my fantasy football draft on Tuesday evening. It was very typical with 10 mostly 30 and 40 somethings sitting in a basement talking smack about players they knew absolutely nothing about. Most of us were up past our bed time, we were getting crabby especially when some wise guy had to ask if LeSean McCoy had been drafted yet in each and every round since the 2nd round. Sound familiar?
Smart Ways Grandparents Can Help Pay For College
Grandparents love their grandkids! Once their own needs are looked after many grandparent's want to help out with their grandchildren's education. Our client's come to me and ask how their parents (grandparent's) can contribute to their grandchildren's college fund. There are several factors to take into consideration including taxes and financial aid issues when a grandparent is looking to help out with grandchildren's college. Here are four of the most common ways.
The Important Reasons Your Family Needs An Estate Plan
Family's schedules are typically packed with school, activities for you and your children and squeeze in work for you. I recognize the last thing on your mind is putting together or establishing an estate plan. In fact convincing families to meet with an estate planning attorney can be like doing dentistry on a lion while it's awake.
20 Cognitive Biases That Screw Up Your Decisions
Here is a great list of the different biases we exhibit whether in making a large financial decision or deciding what kind of coffee we are getting at Starbucks.
Global Stock Market Viewpoints: Third Quarter 2015
Global markets had their worst quarterly performance since the depths of the 2011 Eurozone credit crisis. The turbulent market conditions were largely caused by slowing growth in China, China's devaluation of their currency, concerns that global economic growth is declining and questions over when the US will increase interest rates. Currencies returned to being a headwind again for investors this quarter.
What Is Rebalancing And Why Is It Important?
Bringing balance to our lives is something all of us strive for daily. It might be balancing your work and family life or your professional goals and your personal goals. We struggle to figure out how to best meet the demands that we are looking to accomplish. Our investments have an alignment issue at times as well. Fortunately it is easier to rebalance our investments than it is our lives when they are out of alignment.
Year End Financial Moves - 2015 Edition
The leaves are starting to fall and pile up which means we are less than two months away from year end. Here are a few simple things you can do to help your financial situation as we wrap up 2015.
US Market Viewpoints: 3rd Quarter 2015
This was the worst quarterly performance for stocks since the third quarter of 2011. The complacent conditions for stocks in the first half of the year eroded into the first correction, defined as a 10% decline, in over four years. The S&P 500 fell 6.95%, the NASDAQ Composite dropped 7.35%, the Dow Jones Industrial Average declined 7.75 while the Russell 2000 plunged 13.56. For the year the S&P 500 is down 6.76%, the NASDAQ is off 2.45%, the Dow is down 8.71% and small cap stocks have dropped 10.03%.
Weekly Viewpoint: Putting A Selloff In Perspective
There is no sugar coating it. Last week was a bad week for stock in the US and around the world. The S&P 500, which represents the 500 largest companies in the US, declined 5.7%. This was its worst weekly decline in almost 4 years (September 23, 2011.) Markets around the world followed suit.
Your Investments Should Look Like a Batting Line Up
One thing I have learned is that diversification can be an easy concept to explain to clients but difficult for them to embrace. Diversification is typically presented using the analogy of holding all of your eggs in one basket. This is far too simple. I think it is better explained like a baseball batting order.
Investing Versus A Purchase: The Age Old Debate
My wife and I were shopping a few weeks ago when she used a line that pretty much everyone has used at least once in their life, "We need to invest in a new…" You fill in the blank on the purchase but every one of us has tried to justify a purchase as an investment. We all know in reality that we are just buying something. Here is a framework to figure out if you are making an investment, a smart purchase or a discretionary purchase.
Are you the out spouse in your financial relationship?
Our financial lives as couples are complicated. Merging together two people's financial life can take time particularly if you got married a little later in life. In most cases, we have structured are home life around one person taking ownership of certain tasks. The same usually applies to your family's financial tasks. When it comes to your finances it can be a huge mistake to not share your financial responsibilities.
Earning More Than Just A Return With Your Investments
An increasing number of investors are looking for more than just returns when it comes to investing. They want to see strong returns but they are also interested in what types of businesses they are invested. Generation X and Yers are selective on where they shop and what they buy. They want to buy things they believe in and that share the same values as they do. It is natural this extends over to their investment and retirements accounts and why Socially Responsible Investing (SRI) or Environmental, Social and Governance (ESG) criteria are growing in popularity with this group of investors.
Healthcare Documents You Must Have
As we reach our 30 and 40s we start learn the lesson that we not invisible. We see friends or family get sick and realize that we are fortunate that these things have not happened to us. Today is national Healthcare Decisions Day. It is set up to remind us there are some crucial documents everyone needs to have created for their healthcare decisions.
Should I contribute to my Roth 401(k)?
Many employers are offering you the option to contribute to a Roth 401(k) as part of their 401(k) plans. This option has been around for about 10 years and is slowly being added to more plans. This has created some confusion on which way you should direct your retirement contributions.
Concerned the market might be running out of steam?
A common theme I keep hearing from clients, friends and acquaintances is they feel the stock market is running out of steam. Fellow investors like Carl Ichan and Warren Buffet have also made similar comments in recent weeks. Some are concerned about valuations while others think that this bull market is just long in the tooth. Timing the market is not our forte because we stay committed to our target asset allocation for clients and leave market timing for others.
FAQs For 529 Accounts
As we work with our clients through the financial planning process they ask great questions. Frequently, the one account that clients ask the most questions on is 529 accounts. The fact that there are no clear standard rules, like IRAs or maybe because these accounts have only been around for 15 years, leads to many questions. I have gathered some of the most frequently asked questions about 529 accounts and posted my responses below.
Three Actions To Prep Your Finances Before Summer
With Memorial Day coming up this week it is the unofficial start of summer! Before you check out for the summer here are three "to do items" for your finances. Consider it sunscreen for your personal finances.
Global Stock Market Viewpoints: First Quarter 2015
Global markets outpaced US stocks during the first quarter. International markets shrugged off the strong US Dollar and volatility in energy prices to post solid gains. The markets were helped out by widespread intervention from central bankers. Currency movements were once again the biggest factor in returns as the strong US Dollar prevented this from being a record quarter for international stocks.
My Favorite Quotes From Warren Buffet
One reason so many people flock to Omaha each May is for the pearls of wisdom the Warren drops on investing, running a business and life. His simple wording of complex items cut to the heart of an issue like few others. Here are some of my favorite quotes from him through the years. Some of these quotes are from his annual report and others are from interviews. Let me know your favorite quotes on Twitter @CastlerbarAM.
20 Signs You Are On the Right Financial Path
Setting yourself on the right financial path is rewarding financially and will help to reduce stress from your life. Here are 20 signs that you are on the path to financial independence:
US Market Viewpoints: 1st Quarter 2015
Stocks started off this year with a lot of activity but not much to show in the form of returns. The US markets digested a subtle change in the Federal Reserve's (Fed) positioning, a stronger US dollar and a rapid fall in energy prices. The Federal Reserve took a step closer toward their first interest rate increase since the financial crisis. This historically leads to an uptick in volatility as they move closer toward the first raise. The S&P 500 went over a month without posting back to back winning days. It was only the third time since 1957 this has happened which is evidence of the up and down nature of the quarter. The S&P 500 added 0.4%, the NASDAQ Composite jumped 3.5%, the Dow Jones Industrial Average gave back 0.3% and the Russell 2000 rose 3.9% in the quarter.
Roth IRAs: So Much More Than a Retirement Account
Roth IRAs are a popular retirement for many reasons. Here are 3 other ways you can also use this powerful retirement account.
Saving For Your Kids Beyond A 529 Plan
Parents are well versed with 529 plans as a tool to save for college. One of the most frequently asked questions I get from parents are what other options are available outside of 529 plans. Some parents want to have flexibility to save so this money can be used beyond education. It could be used to pay for their first car, to put a down payment on your child's house or start your kids off on the right foot after they graduate from school. Here are some alternatives to 529 plans to save for children.
A Financial Guide To Owning Your Company's Stock
Your company's stock just hit a 52 week high, your 401(k) has reached a level worth paying attention to and your brokerage statements show your accounts keep growing! Financially things are going pretty well. Although one thing is kind of bugging you. You notice that your company's stock is now a large percentage of your net worth. It has you thinking what is the right amount I should hold in my company's stock?
Is your family prepared for a financial emergency?
The average American has less than a month of income in savings. Are you prepared for a financial emergency?
A Game Plan For Parents: Paying For Private School
Paying for private schools is a sacrifice for parents who chose the private school route. Some parents are able to find the money needed for tuition within in their current budget. Most simply figure it out by hanging on to cars longer, taking modest vacations or trimming extras from the family budget. Yet one in ten children in the US attend private K-12 schools each year. Figuring out how to pay for private schools can be a challenge for even affluent parents with the average cost for private school coming in at more than $9,970. Here are some of our suggestions on how to pay for private school.
6 Financial Planning Moves Before Year End
6 suggestions to take before year end to reduce your tax bill, review your investments and rebalance your 401(k).
Financial discussions to have with your parents as they approach retirement
Recommendations on what topics you should discuss with your parents as they move towards retirement.
Changes To 2015 Retirement Plan Contribution Limits
The IRS has recently announced changes to retirement plan contribution limits for 2015. There is not an across the board increase for all plans but here are some of the highlights.
401(k) Year End Review Checklist
With less than three months left in this year it is time to review your 401(k) account. Here are some suggestions on what steps to take.
Global Stock Market Viewpoints: Third Quarter 2014
Global stock markets were weaker in the third quarter. The most significant reason for the poor performance was the strong US Dollar which had it strongest quarterly performance since 2008.
US Market Viewpoints: 3rd Quarter 2014
This quarter blue chip names squeezed out gains but events outside the US brought an increased level of volatility to stocks.
5 things to consider before paying off student loan debt early
Should you pay off student loans early or put it to work in a different place. Here are 5 things to consider before paying off your student loans faster.
Investors Unaware How Good Times Are For Them
Investors are unaware how good things are for their investments. How to make yourself a more educated investors using these 4 tips.
Picking Peaks In The Stock Market. How Should You Proceed?
Picking market tops is difficult if not an impossible task to do. Yet it is something that many market strategist and financial pundits write about using different market statistics as the reason it is time to call it quits on this bull market. My twitter feed has been filled with strategist and pundits using Tobin's Q and CAPE Ratio as signs this is the end of the bull market. Many of these flashed a sell signal several years ago. There have also been a number of articles mocking these peak market calls.
Market volatility causing you anxiety? 3 questions to ask yourself.
Stocks have become more volatile over the past few weeks. If you are anxious about your holdings here are 3 questions to ask yourself.
Don't rubberneck! Focus on things that matter
The second week of the partial government shutdown has begun. So far stocks have largely shook off the events from Washington. The longer the shutdown continues the greater effect it will have on the US economy. It is estimated that economic growth will suffer by about 0.2% for each week the shutdown continues. The US has been struggling to grow so there is not a lot of spare capacity. If this continues beyond this week it could start to weight on the economy and stocks.United_States_Capitol_-_west_front The debt ceiling is a far more pressing issue. The US Treasury expects the government to hit the debt ceiling on October 17th. If Congress does not raise the debt ceiling before than the US government would miss payments or possible default on certain obligations temporarily. What will happen to stocks if the government does not mail social security checks, make Medicare payments to doctors or stops paying defense contractors is hard to say. I would expect to see a pretty material sell off in stocks if this happens. It would hurt the credibility of the US around the world. We could see out credit downgraded again and interest rates could rise.
US Market Viewpoints: Q3 2013
Castlebar's Q3 2013 Review and Outlook
A Strange September
Weekly Market Commentary from Castlebar Asset Management.
Geopolitical Events Impact on Your Investments
Uncertainty is the markets biggest enemy. This summer has been calm with market volatility being relatively low. Stocks are weaker for several reasons and the events in Syria are not the stand-alone issue. The economic data has been weaker than expected over the past few weeks in the US, the unknown of future Fed policy and weak corporate earnings are all factors in this recent pull back
Don't Fall Asleep On International Stocks
Stocks in the US have been the belle of ball or the best house on a bad block depending on your perspective of the global economy. Either way the S&P 500 has added 15.3% year to date which far outpaces most other developed markets around the world. Given this strong run in the US stock market it is a good time to revisit your investment allocation. Your international exposure is probably a little or maybe very underweight from your target investment allocation if you have not tweaked it this year.
Stocks keep rolling. Is this a repeat of 1995?
Today's stock markets have similar characteristics to the markets in 1995. I compare the two markets to see if 2013 could repeat the same 34% gains seen in 1995.
Weekly Viewpoint: Sell in May and Go Away
Weekly Market Commentary from Castlebar Asset Management.
Licenses & Conducts
U.S. Securities and Exchange Commission
license statusRegistered
as of dateNov 7, 2019
license statusNot registered
as of dateN/A
Review the status and details of the disclosures noted above using the SEC's Investment Advisor Public Disclosure website:
Castlebar Asset Management, LLC
Last updated on Feb. 14, 2020
$41.9MTotal Assets Under Management
N/ATotal Assets Under Advisement
$120.8KEstimated Average Account Balance
Fee Only Advisor
This advisor has certified that they are compensated soley by their clients, and do not accept commisions or compensation of any kind based on the products they recommend.


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Missed the program? Listen here.
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subset: commoncrawl


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Boutique Hotels & Country Inns
Devon is famous for its eclectic mix of Country Inns and pubs with rooms, not to mention a plethora of popular restaurants and small boutique hotels, all of which have amazing accommodation to offer the discerning traveller. We have found you the best the area has to offer, we inspect all of our properties and know our owners adhere to our high standards. Rest assured when you book this style of accommodation recommended by Country Idyll you are booking accommodation inspected by us that reaches the high standard required to join the Country Idyll Collection.
The Collection
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Join Country Idyll Clubs mailing list for news on our latest properties and special member only offers.


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DOWN DESO is now available for Pre-Order until October 14th for $30, plus free shipping. The self-published book is about my emotional journey rafting down the Green River through Desolation Canyon in Utah when I determined that I wanted to be an artist. Get your pre-order now!
Back in 2014, I was working as a writer for various websites with a focus on sustainable design, green building, and eco fashion. I had written a book about sustainable architecture as well, but I was getting burnt out and unsure of my path forward. Mostly, I needed a break and a chance to step away from the computer. This seven day volunteer trip with the BLM afforded me some precious time to break away from the always on, digitally-connected life and spend some time in nature.
The seven day trip is recounted through journal entries, drawings, and paintings that tell the story of my time on the river, the adventures we had, as well as my thoughts and feelings about where I stood in life and the hopes and dreams I held for the future.
As we rafted down the Green River we assisted in river clean up, interacted with other boaters, and checked on historically significant archaeological sites to ensure their protection. We encountered swarms of bugs, drenching rain storms, wild horses, bears, heat and dehydration, but also night skies filled with stars, crystal-clear swimming holes, awe-inspiring vistas and camaraderie that only develops from time spent outdoors.
The trip gave me time to pause & reflect, but also time to think about nothing at all. This rejuvenation of the mind and body gave me clarity to realize that what I really wanted to do was to be an artist and allowed me the courage to make that commitment.
The 110 page full-color book measures 8.5" tall by 5.5" wide with a black cover and silver foil stamping. Pre-Order price is listed as $30 (SHIPPING INCLUDED!) until October 14th, 2018 and afterwards the price will be $38 with free shipping. Orders will ship by November 12th.
*Please note: the images used to promote the book are from the printer's proof, which is an unbound copy without a cover. Your book will be bound and have a sweet cover with foil stamping.


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Ideas Activities
Many people have the ability to truly care and receive joy when caring from the heart. Yet even very caring people sometimes find themselves using caring as a form of control.Take a moment right now to think about a situation today in which you were caring - at home, at work, with a friend, or with someone you don't know such as a salesperson or a waiter. Are you willing to be completely honest with yourself regarding why you were caring? If you are, then go inside and notice if your caring had any outcome attached to it. Is there something you wanted from the other person? Is there some reason you were caring other than caring for the joy of it?Ask yourself these questions:• Was there some part of me that was trying to control what the other person thought of me? Was I behaving in a caring way to get attention, approval, validation, love, time, or sex?• Was there a part of me hoping that my caring would result in monetary gain? Was I acting caring in the hopes of getting the other person to trust me enough to participate in some way that would bring me more money?None of us like to think of ourselves as manipulative, yet we all have a part of us that wants control over getting what we want, and we may have learned to use our caring as one form of control.While caring as a form of control may seem to work at times, it will never bring you joy. You might receive approval or sex or money, but something will always seem to be missing from your life. Getting what you believe you want may feel good for the moment, but it will never bring you the deep joy that results when caring from the heart with no agenda or attachment to outcomes.When we are caring from the heart, we become, as Mother Teresa said, "God's pencil." We are giving to others just for the sake of expressing what is most beautiful about life - caring about each other. Giving to others from an open heart fills the soul with joy.You can express this pure caring only when you are also caring about yourself. If you are not giving yourself the attention, validation, and love that we all need, then you will covertly be trying to get this from others. Others will pick up the "giving to get" energy and may not feel your "caring." In fact, others may even become resistant to receiving your caring because it feels controlling to them - and it is.We can be caring purely for the joy of it only when we are taking 100% responsibility for ourselves - for thinking and behaving in ways that lead to inner safety and a deep sense of self worth. When we are not doing this for ourselves, then we need this from others, and we will be unable to be caring without strings attached.It is in primary relationships with mates, children, and parents, that our giving to get has the most negative consequences. No one likes to be controlled by others, so when you give with an agenda, you may encounter anger and/or withdrawal. Your loved ones might not even know why they are angry or withdrawn. They just know that something feels bad inside them when you are "caring" about them.While the outward behavior may look exactly the same when you are caring with an agenda or caring for the joy of it, energetically these two intentions feel totally different to others. If others are not responsive to your caring, you might want to honestly look at your intent in being caring.
this idea!
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Centerfire Vs Rimfire For The Total Beginner
A bullet comes one of two ways: rimfire vs centerfire. Most of them these days are centerfire, though the few remaining rimfire rounds remain quite popular.
A rimfire round lacks a primer in the base of the cartridge, whereas a centerfire cartridge has that little button in the center – hence the name! – and thus does have a primer that's struck by the striker or firing pin. That's the basic difference.
However, what are the major differences? We'll go ahead and get into that. Obviously, centerfire rounds are more common these days as that's what most rounds for target shooting, carrying concealed and so on, but there are plenty of uses for rimfire rounds as well.
Rimfire Vs Centerfire: Reconnoitering The Rim…Fire
So, to explain the difference between rimfire vs centerfire ammunition, we must address the difference in the primer as that is where the two bullet designs differ.
The primer, for those unaware, is a tiny powder charge that, when ignited, lights the main powder charge. Primers are made with a volatile shock-sensitive compound (such as mercury fulminate) that ignites when struck by a hammer or firing pin. With the advent of cartridges, the primer was moved from outside the chamber into the ammunition itself.
In making ammunition, a wet drop of the primer compound is applied to the primer or the cartridge. Primer compound is stable when wet, but quickly dries as the round is assembled. Once dried, it becomes shock-sensitive but is stable enough to be put in boxes, transported and so on.
What's the difference?
To make a rimfire round, the bullet maker applies a drop of the primer compound to the bottom of an empty cartridge case. Then, the case is mechanically spun, creating a layer of primer compound around the bottom rim of the case. There is a small (we're talking the thickness of a piece of paper) space inside the rim that fills up with the primer powder. The rim is struck by the hammer or firing pin (hence "rimfire") and the powder is crushed inside the rim and ignited.
A centerfire cartridge, however, has a primer cap pressfit into a cavity at the base of the cartridge, in the exact center. Therefore, centerfire. A centerfire cartridge puts the primer compound at the very rear of the primer. Spark from the primer enters the main chamber of the cartridge and ignites the main powder charge, discharging the round.
Centerfire rounds use one of two designs, namely a Berdan or a Boxer primer. The Boxer primer has a single narrow channel that the spark ignites propellant through. A Berdan primer has an anvil-shaped block in the middle of the primer – referred to as an "anvil" in the technical literature – with two very narrow channels on either side, which spark from the primer enters the cartridge through.
Centerfire Vs Rimfire Advantages
If weighing the relative technical merits of centerfire vs rimfire, the centerfire design is the most advantageous up to a certain point.
Centerfire ammunition is, in a sense, better firstly for ease of manufacture. The primer is pressed into a case, powder added, the bullet seated and the bullet crimped together. Very simple, all things considered, and the round is stable.
Centerfire rounds are also safe, as a primer strike is needed to discharge the bullet. Granted, great care must always be taken with ammunition as part of proper gun safety, but the relative stability of centerfire ammunition is a definite boon.
Rimfire ammunition, however, is somewhat less stable. The construction of rimfire rounds – with a smear of primer inside the bottom of the rim – can lead to more dud rounds within a given lot of ammunition. Since rimfire ammunition is also more difficult to make – both in terms of machinery and also safety protocols – there are fewer factories and technicians capable of producing it.
In periods of high demand, shortages of rimfire ammunition can and do occur.
With that said, there is an inherent advantage to rimfire ammunition, namely that it is much easier to make rimfire rounds of very small diameter vs centerfire rounds of very small diameter. As a result, the smallest of bullets – such as .17 HMR and the .22 rimfire family – are much easier to make as rimfire rounds rather than as centerfire rounds.
Not that .17 or .22 caliber bullets cannot be made with centerfire cases, of course. They can and indeed are, but they are almost universally rifle cartridges. Some are small rifle rounds, such as .223 Remington/5.56mm NATO, and some are larger rounds necked down for a tiny bullet such as .220 Swift and .22-250 Remington, which are a necked-down 6mm Lee Navy and .250-3000 Savage, respectively.
However, very small caliber bullets are more easily made with rimfire construction.
Rimfire Cartridges
The three most popular rimfire cartridges are .17 HMR, .22 Long Rifle and .22 Winchester Magnum Rimfire, aka .22 WMR and/or .22 Magnum.
There are some others that remain in production, however, though in smaller numbers. Target shooters still use .22 Short albeit infrequently, there are a few lots made here and there of .22 Long (like .22 LR, but weaker and with a longer case) and varmint hunters have some other rimfire rounds to choose from such as .17 HM2 (an improved .17 HMR) the 5mm Remington Rimfire Magnum (still in limited production though no guns are made for it anymore) and a few others.
Of these, of course, .22 LR is the most popular.
In the early days of cartridge ammunition, rimfire rounds were far more common. The original Henry rifle used a .44 caliber rimfire round (.44 Henry) and rimfire rounds such as .46 rimfire, .38 rimfire and .31 rimfire were commonly used in black powder revolvers that had been converted to fire cartridges as percussion revolvers fell out of popularity.
However, by the late 1800s they had become less common. The story goes that production pretty much ceased on all rimfire rounds bigger than .22 LR around World War II and basically never resumed since there was no real reason to.
Centerfire Cartridges
The first centerfire cartridges emerged much earlier than some might think, though they were mostly a curiosity until sufficient design improvements – along with the advent of repeating rifles – made it so there was pretty much no point using anything else.
Early centerfire ammunition (though without a primer) emerged before 1820, but the first centerfire ammunition featuring a primer were devised around 1830 by a French inventor, one Clement Pottet. Pottet's first design was a paper case with a brass base. The shooter manually inserted a primer to be struck by a firing pin.
By 1855, Pottet's design had evolved to a brass base with a primer countersunk into the base, with a paper case, which would be recognizable to the modern shooter. Brass cases soon emerged along with the Berdan and Boxer primer designs (both in 1866, with the former being devised shortly after the latter) and the modern centerfire cartridge was born. Smokeless powder entered the picture at the end of the 19th century.
Rimfire Vs Centerfire Ammunition
At this point, rimfire vs centerfire is a moot point in most practical terms. What rimfire rounds remain are mostly for plinking and target practice though are also good for varmint and small game hunting.
Centerfire cartridges have some inherent advantages over rimfire from a purely technical perspective.
First, the use of a primer cap instead of a primer compound at the base of the round makes them inherently more stable and safer to store and transport. Ignition is also more reliable. Though dud rounds do occur no matter what ammunition you use, it happens a bit more often with rimfire ammunition.
Secondly, the Boxer primer design makes for easy extraction of a spend primer case and insertion of a new primer. The case, therefore, is reusable and the crafty/thrifty shooter can reload cases as many times as the case allows for it. How many reloads depends on what round you're loading and how you're loading it. A lower-pressure round such as .38 Special can be reloaded many times but a .30-06 or .338 Winchester Magnum will require new brass after a few reloads.
Reloading rimfire ammunition, however, IS actually possible. There are reloading kits out there for .22 LR that allow the handy and crafty shooter to reload, though great care is required. It's also a delicate procedure, requiring assiduity and finesse. It's time-consuming as well, so you aren't going to be making dozens of rounds in a sitting. That said, it is totally doable if you wanted to.
Fewer people handload these days, however, and the hassle of doing so relative to the inexpensive cost of .22 LR…may put some people off.
People who read this blog post also read the following posts:


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Are you thinking about buying a car to work as an Uber or a Lyft driver but don't know which one to buy?
You've come to right place!
There're so many cars to choose from when you're ready to buy a car. Usually we buy cars mostly depend on their looks because we love beautiful cars.
But if you're buying a car and knowing that you will be making money with it by driving for either Uber of Lyft ride-hailing company, your approach should be different.
You may have already known that, all cars are not created equal. I think this is exactly why you're doing your research prior to buying your car.
Some cars may be good cars, but in the context of ridesharing they're not ideal.
As a way to help you with your research, I've compiled a list of some cars that may or may not look attractive to you which should be your best bet to drive for Uber to make money.
What should you look for in car that you'll drive as an Uber driver?
Gas mileage is the most important aspect to look for. You'll be driving around, or back and forth, you'll be burning lots of fuels. A car that does not possess a good gas mileage can be a burden.
You don't want to drive and using this money you're making to fueled up your car. It's not the way it should go, I'm pretty sure you agree with me.
The newest model even comes with blind spot monitors. As an Uber or a Lyft driver you will be driving more than you would usually do, having blind spot monitors can prevent you from getting into many accidents.
If Prius detects a vehicle in its blind spot, the available Blind Spot Monitor (BSM) system alerts you through an illuminated indicator on the appropriate side mirror to help you determine when it's safe to change lanes.
Mitsubishi Mirage is the second great car in this list that you can buy to drive for Uber. This car has made its owners the happiest drivers.
Not only it's saving them money because it's very fuel efficient, it also has plenty of room. A car that will be used for ridesharing should be comfortable; this one is the exact meaning of that.
Read what its current owners are saying:
I absolutely love my new car!! My gas goes so much farther than any other car i have had. I love that it tells me my average gas mileage per trip; by Courtney.
Just purchased the 2015 Mitsubishi Mirage and I am very impressed with everything about it. I named her Squirt because she is just too cute. The get up and go shocked me. I look forward to saving gas and the awesome warranty also. I shopped around and you just cant beat this economy car; by "Squirt."
If you're someone who likes SUVs and would like to get one to drive for Uber, a Dodge Durango would be great for you. For an SUV of this size this truck does not burn its fuel fast.
Driving a Dodge Durango will give you 18 MPG on city roads and 25 MPG on highways, it's unbelievable but true.
According to US.NEWS Dodge Durango is ranked fourth out of twelve affordable SUVs, this again is a reason for you to buy this car. It's not too expensive according to this site.
This list would not have been completed without the new designed Toyota Camry. I myself own one of them, I must say if I had to do it all over I would still choose this Camry.
This car runs very good, I own the SE version which has the ability to drive like a sport car.
Although the legs' room is not too large, the space is just enough for riders. If you have an LE version you will have more room because they're a little larger than the SE.
When it comes to MPG, Toyota Camry will give you 21-41 MPG on city roads while you can get 31-39 MPG on highways.
Not bad at all!


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Mortgage Calculator
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101 - 2368 Marpole Avenue, Port Coquitlam
Clean and well cared building, excellent strata corporation, easy access to Lougheed HWY and West Coast Express, an 874 sqft high ceiling, one bedroom and den apartment with a bonus of 511 SQFT south facing patio for your entertainment and gardening. Open kitchen, granite counter tops, S&S appliances and roomy pantry. Double glazed windows, secure underground parking & plenty of visitor parking spots. Shopping one block away, outdoor & recreation lovers: tennis courts, soccer fields & running trails all are in walking distance. A green hedge makes the patio very private. A must see to appreciate. Also, the building has amenity and exercise rooms and a guest suite for rent. Rented unit numbers are below the limit.
Taxes (2016): $1,329.00


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Located just north of the White Mountains, Littleton, NH captures the essence of a mountain town. With its New England styled brick architecture and walkable Main Street, Littleton makes you feel right at home.
During your visit to Littleton, you won't miss Chutters with its bright purple and pink storefront located right on Main Street. Come Inside and witness all 112 feet of the original Guinness World Record candy counter.
Discover all 112 feet of the Littleton Candy Counter.
See everything the White Mountains have to offer!
Monday 9-5
Tues 9-5
Wed 9-5
Thurs 9-5
Friday-Saturday 9-6
Sunday 10-5
Monday 10-5
Tues closed
Wed closed
Thurs 10-5
Friday-Saturday 10-5
Sunday 10-5
Bretton Woods -Open During Ski Season
Loon Mountain -Closed for Season


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Separate names with a comma.
Discussion in 'PARALLEL DIMENSIONS' started by RECTUMfacedPYGMY, Oct 26, 2018.
Best. Day. EVER!
Take a picture of yourself in the nude with it and I will make a serious offer
You look suspiciously like @kry102001
This, but please also put one of them huge thumbs in your mouth, seductively.
For some reason I can't see the pictures of naked @RECTUMfacedPYGMY with huge thumbs is his mouth and rectum.
Now I can finally see it! Who took the photos?
Is there an accomplice?!
The man behind the grassy knoll.
This is the most popular thread at the moment - created by someone who only bothers to show up every few months - flogging cloned tat and photos of his hands. Surely @Seb @pat you realise how much the forum is in crisis right now?????
Look I've come on here to genuinely try and sell this stunning pro built model as the owner is terminally ill. And he wanted it to go to a true fan, and I'm disgusted with these comments... if a genuine person wants this please pm me the price is £700 no offers or time wasters thank you
Oh behave yourself.
Is this illness contagious? Is this blue midget gonna get me infected with something?
Can you please show us a picture of your friend holding the model?
Are you giving the money to your friend?
Why don't YOU buy it from your terminally ill friend @RECTUMfacedPYGMY? It would mean much more to him, I'm sure.
I've provided three bids and you've snubbed them all
He is ill and you're going to his place and taking photos of his model... and constantly moving the price of HIS model up and down?!
This is ridiculous
Omg @RECTUMfacedPYGMY have you stolen this model from a terminally ill man?! And you're now trying to flog it?! I am disgusted!


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Auto Publishers Price Starting at
*Based on model year EPA mileage ratings. Use for comparison purposes only. Your atual mileage will vary, depending on how you drive and maintain your vehicle, driving conditions, battery pack age/condition (hybrid only) and other factors.VIEW OUR INVENTORY
Torquey V6 engines; versatile interior; truck-like capability in a compact package
Although the Dodge Nitro remains mechanically unchanged, all Nitro models get a series of appearance upgrades for 2011. Large 20-inch wheels are now standard across the entire model line, bringing an even more aggressive appearance. On the inside, seat materials have been upgraded. Nitro "Shock" models include new leather seats with colored stitching, along with a sunroof and all Nitro models include a monochromatic interior. A new Nitro Heat 4.0 Lifestyle Package is added to the lineup, for 2011, including the more powerful engine, the UConnect Bluetooth phone interface and an upgraded sound system. Across all Nitro models, Bright White Clear Coat, Blackberry Pearl Coat, Toxic Orange and Redline Two Coat Pearl join the lineup of exterior hues.


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To English language speakers, wherever you are in the world…
Are you wondering where to go next with your English? Have you reached a plateau, and would like to know how to break through to the next level of empowered communication?
Are you coming to the UK to study at Flying Classrooms? Would you benefit from the opportunity to gain confidence in your English before you arrive in the UK?
Or perhaps you have finished a course at Flying Classrooms, and would like to continue to empower your English from the comfort of your home or office?
If this is you, then…
We are a team of Life, Language and Communication coaches who have partnered with Flying Classrooms to help you form a new relationship with your English. We coach online, meaning you can meet your coach from wherever you are in the world.
While training equips you with the knowledge you need to form sentences (grammar, vocabulary, pronunciation etc), coaching aims to discover and unblock the barriers you might have which are impacting your confidence.
As coaches, we help you recognize the judgments you have of your English, and the judgments you feel you receive from others. This means you are able to distinguish between your English as it is, and your opinion of your ability. With this fresh perspective you'll gain a new-found acceptance of where you are now. With this acceptance comes the confidence to help you grow.
With Norwich Study Centre, we are offering a variety of online courses, each including a balance of 1:1 coaching sessions and pair or group workshops. Every course begins with a discussion about your needs and objectives.
Whether in 1:1 or common-ground sessions or in group workshops, we focus on your needs and work to empower your communication.
Distance coaching doesn't have to be distant! In 1:1 sessions, you will build a close relationship with a coach who will be with you every step of your growth.
Sessions typically involve:
Group workshops are an opportunity for you to come together with 2-4 other participants for 2 hours of conversation, discussion, discovery and fun, facilitated by one of our coaches.
Some examples of popular workshop themes are:
These unique and very popular workshops are an opportunity for participants to meet others with whom they have 'common ground' – a shared interest. The sessions are facilitated by a coach.
Some examples of common ground matches are:
The beauty of online coaching is that you can meet your coach from wherever you have a reliable internet connection and a PC, tablet, or smart phone.
We use a fantastic platform that enables us to share an experience as rich and personal as a physical face-to-face conversation. What's more, coaching online means we have the wealth of the internet as a resource. It's a real context, for growth in the real world.
We hope to meet you online soon, to begin a new adventure in Life, Language and Communication!
My background is in the arts and humanities. I have degrees in Psychology, Philosophy and Poetry, and spent my early professional career acting and English Language training in London. I then joined The Corporate Theatre as Poet in Residence, designing and facilitating inspirational leadership workshops for leaders in global businesses. I continue to
After finishing university, I was desperate to cut loose from my home country and explore the world. My ticket? Becoming an English language teacher. I had many amazing experiences and worked with many wonderful students, in countries as diverse as Japan, Tanzania and Spain, and in environments ranging from primary schools, to businesses, to universities. Fortunately for me, what started simply as a way of travelling the world, also became a career that I loved.
My background is in art and design. I have a degree in ceramics and glass and was a
I was born in Fukuoka Japan, and I have travelled, lived and worked in many countries, including Australia, France and the UK. I have a deep love of travel and of the differences


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Riverdene Lodge
Riverdene Lodge, Shamwari Private Game Reserve, South Africa
Shamwari was the first private game reserve to be established in the Eastern Cape, and is now the largest, with an area of 250 sq km (96 sq miles). As well as providing world-class game viewing in a malaria-free reserve, there is a great focus on conservation here, and the Born Free Foundation is one of the reserve's major projects in this regard.
Guests can visit the Born Free Foundation during their safari and bush walks are also offered at Shamwari alongside game drives, however availability for these activities is limited so they should be pre-booked with your specialist. Children over the age of four years are also allowed on game drives and child-minding facilities for children under the age of four years are available at an additional cost.
Riverdene Family Lodge is a farmhouse which has carefully been converted so that you can enjoy the safari experience without compromising on luxury. The lodge is very exclusive, with just nine interleading rooms which are also equipped with sleeper couches. The spacious rooms are decorated with natural wood that's complemented by the black-and-white decor.
Although set in the Shamwari Private Game Reserve, the lodge is fenced, allowing you to enjoy the gardens, the outdoor pool and a lovely veranda dining area. The lodge also has a kids club and Adventure Centre to keep children of all ages enthralled.
Speak to someone
who's been there
- 617-223-4340
- Make an inquiry
Photos of Riverdene Lodge
Places & hotels on the map
Alternative places to stay nearby
Where possible, we like to offer a range of accommodation for each stop of your trip, chosen by our specialists as some of their favorite places to stay. To help you make the right choice, we give each property a rating based on its facilities and service, but we also look for hotels with distinct character or a location that can't be bettered.
Eagles Crag Lodge
A stunning lodge, which gets you amazingly close to nature, housed amongst the forest itself. The suites are a delight, very comfortable and spacious, with a really unique design and great views.
Long Lee Manor
A graceful and elegant place to stay while on safari, Long Lee is larger than the other lodges on the Shamwari Reserve and offers a convivial atmosphere without compromising on comfort or service.


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President Donald Trump is taking a page out of former President Barack Obama's playbook: Never let a serious crisis go to waste.
The Trump administration sent a request this week to Congress for $29 billion in funding to cover hurricane relief and swelling flood-insurance claims. The proposal includes $16 billion of debt relief for the National Flood Insurance Program, or NFIP, that would free up funds to cover a surge in claims following Hurricanes Harvey, Irma and Maria.
Yet the bill also seeks major changes to the flood-insurance program, long targeted by critics as a government boondoggle and a giant provider of unfair subsidies to homeowners in coastal areas.
Chief among the proposals is a prize sought by lobbyists for big property insurers like Progressive Corp. (PGR) - Get Report -- allowing private carriers to compete more easily with the government program, currently the provider of about 98% of flood policies.
This year is shaping up as one of the costliest on record for natural disasters, leading to tens of billions of combined losses for property insurers like Progressive, Allstate Corp. (ALL) - Get Report and Chubb Ltd (CB) - Get Report . While visiting Puerto Rico this week, Trump said that the cost of the federal response to Hurricane Maria had thrown the federal budget "out of whack."
Officials with the Federal Emergency Management Agency, which oversees the 49-year-old flood-insurance program, have projected that available funds to cover claims will run out within the next few weeks -- potentially leading to delays in payouts as homeowners in hurricane-hit areas like Texas, Florida and Puerto Rico struggle to repair or rebuild damaged structures.
Those challenges may be heightened by Tropical Storm Nate, which is swirling northwest toward the Yucatan Peninsula with winds of 50 mph and expected to curve east before making landfall outside of New Orleans early Sunday.
A hurricane watch has been issued for the region, and Louisiana Gov. John Bel Edwards has activated the state's emergency operations center.
"The NFIP requires immediate financial relief to fulfill its obligations to its policyholders, but the program must also be reformed to place it on a sound financial footing and to enable the private market for flood insurance to expand," Trump's budget director, Mick Mulvaney, wrote Wednesday to Congressional leaders.
The NFIP has gone $30 billion into debt in recent years, largely due to the government program's inability to charge premiums high enough to cover claims that have swelled since 2005 as a string of hurricanes including Katrina inflicted catastrophic losses. In 2012 Congress adopted a series of changes including higher premiums, only to have those increases halted just two years later amid a political backlash from affected homeowners.
Last week, the House of Representatives passed provisions -- attached to a Federal Aviation Administration reauthorization bill -- that would have made it easier for private insurers to compete for flood policies. Democratic leaders criticized the effort because it provided no new funding to the NFIP.
The Senate later stripped the flood-insurance provisions from the FAA bill following objections from flood-prone Louisiana's two Republican senators, Bill Cassidy and John Kennedy.
The Trump administration's plan to make new funding for the NFIP contingent on flood-insurance is in keeping with a well-worn Washington tactic -- that long-elusive political goals become possible in the wake of a major disaster. Former President Barack Obama's chief of staff, Rahm Emanuel, now mayor of Chicago, famously said after the 2008 bank bailouts that "you never want a serious crisis to go to waste."
That comment was roundly excoriated by conservative critics as evidence of the Obama administration's political opportunism.
In the latest proposal, the Trump administration seeks to assure that only low-income homeowners qualify for subsidized flood-insurance premiums, with a "means test" that would accelerate rate increases for richer customers. Property owners who file repeated claims -- a big source of the government program's losses -- could lose coverage.
The proposal also would ban the NFIP from selling policies on any new homes built after Jan. 1, 2021, in zones designated as Special Flood Hazard Areas. Such projects would then become "a risk the private market may want to insure."
Democratic lawmakers including Congresswoman Maxine Waters of New York have warned that private insurers are likely to cherry-pick the most profitable policies -- those with low flood risk or unusually high premiums -- and thus accelerate the government program's losses.
The Trump administration's proposal would require the NFIP to turn over historical loss and claims data to private companies, another step long sought by industry lobbyists.
Updated from 12:54 p.m. ET on Thursday, Oct. 5, 2017.
More of What's Trending on TheStreet:


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joker97:KiwiTim:freitasm: There are so many discussions around this...
Have you tried Wheedle yet, the only real local alternative at the moment (which is a kind of a dead place)?
I wasn't aware of the existence of Wheedle. Perhaps they need to run some TV adds. That might help them get some market share.
Wow! By the way the footy world cup is on
NO, no, no ..... I will only watch the rugby! Third match between England and All Blacks, now that will be worth watching :)


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With its white-sand beaches, range of water sports, bargains-on-bijoux shopping, and many restaurants and bars, St. Thomas in the U.S. Virgin Islands is a great spot for a romantic vacation or honeymoon.
The liveliest of the USVI, St. Thomas offers plenty to do. While it's also a super spot for lying on the beach with a tropical drink in hand, enjoying the clear turquoise water, and soaking up the Caribbean sun, honeymoon couples may want to rouse themselves for these fun activities.
Take in a View of St. Thomas by Tram
Address9617 Estate Thomas, St Thomas 00802, USVI
Phone+1 340-774-9809
To get oriented, start your St. Thomas honeymoon with a trip to Paradise Point via tramway. The St. Thomas Skyride takes you 700 feet up for amazing views of Charlotte Amalie Harbor. You'll also find a restaurant, bar, shops, and a short trail. Every Wednesday night there's a party with live music. And the sunset is spectacular seven nights a week.
Visit Coral World Ocean Park
Address6450 Coki Point, St Thomas, Virgin Islands 00802, USVI
Phone+1 340-775-1555
Petting a shark or feeding a stingray at Coral World Ocean Park could be a highlight of a St. Thomas honeymoon. The Underwater Observatory takes you 15 feet under the water's surface, while the Deep Reef Tank puts you nose to nose with sharks, moray eels, and other terrifying predators. If you're adventurous, try "Sea Trekkin'," wearing a special underwater helmet to walk under the sea. There's also a natural trail, a turtle pool, and Iguana Alley.
Take an Ecotour
Address6526 Estate Nadir, St Thomas Mangrove Lagoon and, St John - Honeymoon Beach at Caneel Bay, St. John, Virgin Islands 00801, USVI
Phone+1 340-779-2155
Get into that glorious turquoise water! Virgin Island Ecotours at the entrance to the Inner Mangrove Lagoon Sanctuary offers boat, kayak, snorkeling, and hiking tours. Couples on a St. Thomas honeymoon who are experienced scuba divers can explore the coral reefs on an excursion arranged by Aqua Action Dive Center, which dives 40 different locations.
Ferry to St. John USVI
AddressSt John 00830, USVI
Plan a day trip to St. John, only a 20-minute ferry ride away, as part of your St. Thomas honeymoon. Two thirds of the 20-square-mile island is part of Virgin Islands National Park, making it perfect for snorkeling or scuba diving, hiking, strolling around the ruins at Annaberg Plantation, or just enjoying the picture-postcard beaches.
Sail on a Sunset Cruise
Address6501 Red Hook Plaza, Suite 201 PMB, Secret Harbour Beach Resort, St. Thomas, US Virgin Islands 00802, USVI
Phone+1 340-513-2459
Another fabulous activity on a St. Thomas honeymoon is a sunset cruise. Atlantis Adventures hosts a three-hour sunset catamaran sail and beach barbecue on Water Island, which recently became the fourth Virgin Island. Jester Sailing Adventures also offers sunset sails, as well as half-day and full-day trips to neighboring islands.
Shop Charlotte Amalie
AddressSt. Thomas, 5182 Dronningens Gade, Charlotte Amalie, St Thomas 00802, USVI
Phone+1 248-809-5560 ext. 10110
The charming Caribbean harbor town of Charlotte Amalie is widely considered the best shopping area in the Caribbean. Duty-free items reign, and you'll be hard pressed to find better prices for liquor, jewelry, perfume, linens, china, and crystal. There's a $1,200 duty-free allowance per person and no sales tax.
For china, crystal, and jewelry, check out Little Switzerland. Other top jewelry stores include Cardow, H. Stern, and Diamonds International.
Check out the Local Crafts
AddressVeterans Dr, Charlotte Amalie, St Thomas 00801, USVI
Charlotte Amalie also has places that sell local crafts, spices and hot sauces, and resort wear. And if you truly love to shop, you'll have fun poking around the colorful Vendor's Plaza, where merchants hawk faux designer handbags and other fabulous fakes, inexpensive jewelry, and various fun souvenirs. This is a popular port for cruises, so be prepared to find the shops teeming with tourists when a ship is docked.
Ascend the 99 Steps and Visit Blackbeard's Castle
AddressSt. Thomas, Torvet State Rd, Charlotte Amalie, St Thomas 00802, USVI
Phone+1 340-776-1234
Built with bricks carried on ships from Denmark in the 1700s, the 99 Steps provide a bird's eye view of the harbor. Near the top, 17th-century Fort Skytsborg, known as Blackbeard's Castle, is a National Historic Landmark.
Pay a Visit to the St. Thomas Synagogue
Address2116 Krystal Gade, Charlotte Amalie, St Thomas, 00802, USVI
Phone+1 340-774-4312
Some of St. Thomas' earliest settlers were Danish Jews, and they built one of the oldest temples in the Caribbean in 1796. The original building was destroyed by fire, and the current structure dates to 1833. In keeping with tradition, the temple floor is covered with sand. While some believe it relates to the Caribbean-beach location, it actually symbolizes the flight of Jews out of Egypt and across the desert in ancient times.


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SCAGPO offers Professional Development and Certification scholarships to members in pursuit of higher education and certifications. Professional Development Scholarship recipients are chosen by the Awards & Scholarship Committee.
MAXIMUM SCHOLARSHIP AMOUNT: Maximum scholarship award per person per year will not exceed $1,000.00.
AWARD REMITTANCE: The funds awarded will be paid directly to the organization or entity sponsoring the course or seminar or to the individual upon presentation of receipts for eligible expenses. The scholarship recipient must present information on course selection and appropriate signed paperwork to the Treasurer for payment or reimbursement. Scholarships must be invoiced no later than the following calendar year.
SCAGPO ELIGIBILITY: Scholarship recipient must be a member in good standing; and may not obtain more than one SCAGPO sponsored scholarship within a two year period.
ACCEPTABLE USE: This Scholarship may be used for Professional Development by the means of Seminars, NIGP Courses, Forums, or an accredited college or university course in the following subjects:
Management, Economics, Accounting, Personnel Management, Business Law, Public Administration, orany course in which the major content is centered on Purchasing. The amount may go towardsregistration fees, books and/or travel related expenses.
Signature:I affirm that the statements and information set herein are true and correct, and that any falsification or willfulmisstatements or omissions intended to mislead the Certification Committee will forfeit my right to receive any award resulting from this application.
© 2020 South Carolina Association of Governmental Purchasing Officials
PO Box 61989
North Charleston, SC 29419 All rights reserved.


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Leupold Scopesmith Lens Cleaning Pen
Stock# LEU48807 UPC 030317488079
This compact, two-step LensPen has a natural hair brush which is fully retractable for protection when not in use. A clean brush is key because it's the first thing to touch the lens. The microfiber cleaning tip automatically replenishes itself with a state-of-the-art cleaning compound. Compact and ergonomic, it's great for your workbench, the range, or in the field.
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The founder of Pragmatism (UK) Ltd. With over 30 years in industry, Pete has managed factories with highly demanding customers, challenging Trade Unions and hundreds of employees reporting to him. He's worked his way from the 'coal-face' on shop floors through to executive level for global blue-chip organisations such as Rolls-Royce. Through this varied experience he's dealt with most people-related challenges from every angle.
Throughout his career Pete has guided individuals, teams and organisations in not only resolving disputes, but also helping them to develop relationships, enhance working environments and evolve organisational cultures.
Pete attributes his passion for people engagement to being educated at "the University of Life". He sees qualifications as secondary to experience, but he does have a Master's Degree (MSc) in Strategic HR, distinctions in Employment Law, he's a qualified and registered Mediator (Civil, Commercial and Workplace) and is also a Fellow of the CIPD (FCIPD).
Claire is a qualified and accredited Civil, Commercial & Employment Mediator. She is also a fully qualified Counsellor, Psychotherapist & Hypnotherapist.
Claire has over 8 years' experience of working with adults, couples and children working privately and on a consultancy basis for various companies and charities. From her background of therapy, Claire is highly experienced at dealing with people's everyday stresses, anxieties & relationship challenges.
One of Claire's greatest strengths is her friendly and bubbly personality which definitely helps in her work, enabling people to relax as much as possible during mediation. Having such a busy life Claire has little time for hobbies, but particularly enjoys her time with family and friends. She is also an animal lover with two dogs and a cat at home.
As an Associate of Pragmatism, Claire can help parties to resolve their disputes in any commercial, civil, legal or workplace dispute anywhere in the UK.
Jane has an extensive portfolio of business and education working, her proven expertise within Managing Change and Quality Improvement gained through wide-ranging practical experience, as well as the knowledge and skills, gained through a 33-year career spanning operational, managerial and strategic level working within the public and private sector. Following an eminent career of leading educational change and service improvement, including implementing national policies and leading diverse, multi-organisational teams across regional boundaries, she now champions progressive change within organisations.
Having witnessed first-hand the positive impact change can have - transforming lives within both personal and professional settings, her passion is to bring this 'positivity' to organisations – no matter how big or small, making it an amazing experience – one that employees at all levels want to be part of.
Working with people and processes within the business, central to Jane's delivery are 'organisational sustainability and resilience', helping the business to be ready to tackle today's challenges and those in the future whilst maintaining high-quality services.
During his Manufacturing Leadership roles, Dave recognised he had a passion for people related activities and took on additional responsibilities at that time to support the company. These included managing the apprenticeship programme, promoting and managing adult development and the accreditation of associated standards.
Nicky's HR career spans over 17 years, during which time she has worked in corporate environments, FTSE 100 companies and family owned businesses, gaining experience in areas such as recruitment, employee relation case management and HR project management.
Working either on site or remotely, Nicky provides a range of personalised HR advice and hands-on support services to businesses, including dealing with day to day issues such as managing underperformance, sickness absences, disciplinaries, dismissals and grievances, as well as undertaking independent investigations (all of the stuff that people don't like to do!). Her services also cover the provision of bespoke, essential employment documents, as well as updates to any existing policies and processes when Employment Laws change.
Nicky likes to get to know the people and businesses that she supports, working in partnership with companies to manage the people, HR and employment side of things. This enables her to provide advice and solutions that suit the specific situation (rather than something standard and unsuitable that has been picked up from the internet).
If you'd like to know more about the services we offer please don't hesitate to call or email us. Alternatively, complete the enquiry form opposite and we'll respond quickly.
Pragmatism (UK) Ltd
4 Cross Street
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RS409 Wearable Scanner Support
This Mobile Computer is discontinued. We may offer drivers, firmware, and manuals below for your convenience, as well as online tech support. If you require additional support, please contact a Zebra Authorized Service Provider.
Product Discontinuation Date: April 26, 2013
Service & Support Discontinuation Date: June 28, 2018
RS409 Ring Scanner Quick Reference Guide (en)
72-86010-04 Rev. ADownload 1 MB


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Introduction to AAM's Investment Principles
In the world of investing, there are many things that we cannot control. Coming to terms with this can be a big challenge and the fear of a lack of control can deter some people from investing at all. Some of these common themes are:
- Can we pick winning stocks?
- Can we pick superior managers?
- Is it possible to time markets?
- Filtering out the noise from the financial press
- How do interest rates impact markets?
- How do exchange rates impact your returns?
- How does inflation impact your returns?
- What should I expect from market performance
What Can You Expect To Find Inside The AAM Investment Principles Guide?
Designed in an easy to read format, we have broken the guide down into 6 sections, to help you understand crucial investment principles.
A resource you will definitely want to keep, containing essential investment principles you will need to know in order to grow your wealth for the long term.
Who We Are
Our Regulation
Our Investment Team
Our Investment Service
Value to Clients
Aligning Our Interests
Our Investment Principles
1) Long-Term Performance
The Eroding Effect of Inflation
Beating Inflation
The Benefits of Compounding
Our Approach
2) Patience
Riding Out Drawdowns
'Timing the Market' or 'Time in the Market'?
Our Approach
3) Asset Allocation
Top-Down or Bottom-Up Investing?
Reducing Risk Through Diversification
Correlation is Crucial
Balancing Risk and Returns: The Power of Correlation
Modern Portfolio Theory
Risk Targeting
T Investment Portfolio
Our Approach
4) Choosing the Right Funds
Active or Passive Investing?
Beating the Benchmark
Active vs. Passive Across Different Markets
Currency Hedging
Reducing Portfolio Risk Through Currency Hedging
Our Approach
5) Efficient Portfolio Advice
Portfolio Rebalancing
When to Rebalance
Our Approach
6) Ongoing Advice
Implementing a Financial Plan
Staying Connected
Reviewing our Advice
About AAM Advisory
AAM Advisory offers complete financial planning services for Expatriates, Permanent Residents and Singaporeans focused around wealth creation and preservation strategies. We have a team of over 30 experienced financial representatives backed by a wealth of research, knowledge and expertise servicing over 5,000 clients and in excess of SGD 1 billion under advisement.
Our office is located in the heart of the CBD at CapitaGreen, an ultra-modern 40-storey eco-friendly office tower.
International Adviser, Best Practice Adviser Awards (Singapore)
We were winners in the following categories:
- Best Adviser Firm, by Region (2018)
- Excellence In Operational Efficiency (2018)
- Excellence In Professional Development (2018)
- Excellence In Marketing & Client Engagement (2017)
- Excellence In Social Media (2017)
- Excellence In Investment Planning (2016)
- Excellence In Professional Development (2016)
Expat Living Reader's Choice
We were Gold Winners, winning best Financial Planning company, 2019


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Real Estate Website
Create a must-see custom real estate website.
Define your website's goals.
Finding a new home involves a lot of work. There's getting pre-approval for a loan, homes to visit, and (in the end) packing to do. As an agent, you can help buyers manage the workload with a real estate website built by you.
Before you start designing your site, there are a few things you need to figure out. First, what's the purpose of your site? Are you hoping to create a place for people to search for available homes and apartments? Do you want to promote your real estate company or your services as an agent? Do you want to create a place for people to compare realtors?
Whatever your purpose is, take some time to figure it out. Doing so ensures you create an organized site, and it can help you choose the right website builder for creating your new site. For instance, on a real estate website, you'll definitely want to make sure to include images of properties for potential buyers. Make sure the website builder you choose allows you easily add image galleries or slideshows. If you're a real estate agent, maybe you want people to be able to schedule an appointment with through the website. That means the website builder should allow you to add an online appointment feature.
In summary, you need to take time to think through all the features you want on your website. Check out other real estate websites to figure out what you like and don't like as a visitor. Once you've compiled a list of what you want, verify that the website builder you're considering has everything you're looking for.
Get your domain name.
You know the focus of your website, but now it needs a domain name. Your domain name should reflect the purpose of your site, and it should be easy for visitors to remember and spell. If you're a real estate agent, it could be just your name. For a larger real estate agency, it could reflect the company's name. However, you could also choose a domain that reflects the region you serve, like www.HomesinSanDiego.com.
When considering a domain name, you might be surprised to discover that there are lot of different options available apart from a .com. Some newer domain extensions that you could use include .apartments, .casa, .condos, .properties, and of course, .realestate. And there are many more real estate related domain extensions apart from just those, so take some time to check out all the different options and take advantage of the ability to create a truly unique domain name.
Once you've picked out your domain name (and of course your website builder), you're finally ready to start building.
Create content for your website.
There are a lot of real estate websites already out there, so what you put up on your website will help distinguish your site from the others. Take the time to write unique, engaging content on your website. Think about what visitors might want to see and read about when it comes to real estate in your area. Check out other websites to see what they do well (or what doesn't work well at all).
Not a writer? Content is a foundational part of every website, so it might be worth it to consider hiring a writer to help you flesh things out at the beginning, if you don't feel that you're up for the task yourself.
Introduce yourself.
Choosing a place to live isn't a decision people take likely. Buyers want to find the perfect place to call home, which means you need to deliver an ideal real estate website. Help renters and buyers feel more comfortable using your site by posting your goals and mission on your site. In short, share little about yourself. Communicating with visitors about how dedicated you are to helping them find their next home can help increase your credibility (and your client list).
Write about your team.
If your new website represents a company, and not just yourself, then you'll want to introduce the different members on your team, as well. Posting information about each of your agents, including their background, experience, and a fun fact or two will help visitors feel more comfortable in reaching out to your agency and in choosing the realtor that best meets their needs.
Feature home design ideas.
For first-time homeowners, figuring out how to create beautiful spaces in the home can be difficult. Create a page where you post design ideas for various areas throughout the house. Include pictures of room layouts, color schemes, or home decor that visitors can browse through and get ideas for their own homes.
You should consider grouping these photos by room. For example, create a gallery for kitchens and another for master bedrooms. Each gallery should contain ideas for a specific room. Organizing your information in this way can help visitors find the inspiration they need.
Add a blog to your site.
Once you've gotten visitors to your site, you need to keep them coming back for more. An effective way to do this is by featuring a news section or blog on your website. Dedicate this section to sharing the latest news with your visitors. Articles that discuss the real estate market or current mortgage rates are all great pieces of content you could publish here.
Don't forget to update this section frequently. Having a steady stream of new content will not only keep visitors coming back for more, but will also increase your site's credibility.
Post your client testimonials.
One of the most effective ways to bring in new clients is by letting satisfied clients brag about you. For prospective clients, seeing how you helped other people close on a home will increase their confidence in your abilities. Consider posting customer reviews either through a short paragraph or a YouTube video so potential clients can see what kind of experience they'll have when they use you as their realtor.
Include a site search feature.
The majority of people who come to your site want to search for apartments or homes that are available for rent or sale. Featuring a search bar on the homepage of your website ensures you're meeting their needs.
Your search functions should be easy to navigate and customized to meet the needs of your audience. Whatever factors are most important to potential clients (price range, number of bedrooms, amenities, location, etc.), include them in your search bar like price range. Incorporating these filters provides visitors with a easy search experience and allows them to find homes that include everything they want.
Provide a calendar of events.
Feature a calendar on your site that lists the day, time and location of future open houses. For each open house, include as much information as possible about the home, as well. Including details like the square footage, the number of bedrooms and bathrooms, special features and more will help visitors determine if they should do a walkthrough of the house.
If you hosts other events, like informational sessions for first-time buyers, make sure to include those on your calendar, as well. You can encourage people to attend all your different event by sending email reminders or posting to your different social media accounts.
Keep visitors updated through email.
Finding a new home can takes a lot of time and effort. When potential home buyers aren't searching for homes, they're probably attending open houses or meeting with their realtor. Help them stay up-to-date on everything happening on your site by including an email subscribe button on your site.
Allowing visitors to sign up for email updates or your weekly newsletter ensures that they don't miss a new listing or an open house event. People will appreciate you doing everything you can to help them save time and stay updated.
Make it easy to get in touch.
Whether your visitors want to set up an appointment with you or have a question about a particular home, they need a way to get in touch with you. Give them a way to contact you by featuring your contact information on your website. Post your primary phone number, email address and office address so people can send you a quick message. Don't forget to include your social media information as well.
Take the next steps with your real estate website.
Once you've launched your real estate website, you can keep things moving forward by checking out the below resources on email marketing, SEO, and more!


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You are here: Home » Human Resources » Employment Opportunities
New Community Corporation in Newark, New Jersey is one of the largest and most comprehensive community development agencies in the country; New Community's success rests on its comprehensive approach to community development. It is active in housing, health care, education, job training, childcare and economic development. It has provided training to community development professionals from around the country and the world, having hosted representatives from more than 20 countries throughout the years. The goal of New Community is to help community residents improve the quality of their lives to reflect individual God-given dignity and personal achievement.
Exterminator - Maintenance Worker will inspect building and premises for signs of pest and infestation throughout NCC Properties. Respond to and treat areas affected by pests. As a member of the Environmental Services Department will also be assigned to other locations within the NCC network of properties to perform maintenance related duties both indoors and/or outdoors. This includes, snow/ice removal, room set-ups, landscaping duties, etc.
mission is to help residents of inner cities improve the quality of
their lives to reflect individual God-given dignity and personal
achievement. Click here to download our 2014-2015 brochure.
© 1968 - Present. New Community Corporation.


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Group Booking Terms and Conditions
Because you are making a Group Booking, there are additional Terms and Conditions that apply. Please read them and click 'I Accept' below to continue with your booking
General Group Booking Terms
By making a group reservation through Hostelworld.com you agree to the following terms and conditions as set by Hostelworld.com and as set by the hostel in question.
- In order to make a group reservation on Hostelworld.com it is necessary to pay a deposit. The balance is due directly to the hostel according to their payment conditions.
- The booking deposit is non-refundable.
- Please note that any cancellations must be notified directly to the hostel at least 24 hours in advance of your scheduled arrival date, unless otherwise stated in the hostel's conditions.
- Hostelworld.com are not responsible for changes or amendments to your reservation once it has been processed. All correspondence with regard to changes to your booking need to be dealt with directly with the hostel.
- Cancellations for reservations must be made directly with the hostel and must conform with the individual hostels cancellation policy (see below)
- It is your responsibility to pay the balance of your accommodation cost to the hostel in accordance with their payment conditions (see below). Failure to do so may result in your reservation being cancelled by the hostel.
- Individual hostels may have special booking conditions relating to group stays, please read the hostel booking conditions carefully before making your reservation.
Hostel Specific Terms & Conditions
The remainder of the amount due will be charged to your credit card ???? Should numbers or room selection change, the per person deposit times the number of people who actually travelled will be deducted from the total accommodation charge levvied by the hostel.
The following group types are not accepted by this hostel: Holiday with Friends, Junior / Primary School, High / Secondary School, College / University, Business Trip, Stag/Hen/Bachelor Party, Sports Group, Cultural Group If you have misrepresented the type of group you are booking for, your booking may be cancelled by the hostel."
Any cancellations resulting from agreement to these terms and conditions under false pretences will result in loss of deposit.
Vous devez accepter les termes et conditions pour que nous puissions confirmer votre réservation
WiFi gratuit
Sunny Guest House
Description de l'établissement
Sunny Guest House has modern and cozy rooms, the room has window with well and modern facilities such as: Air condition, Hot water, Free Wifi in the room, Internet free, welcome drink including also.
1.We accept credit cards and cash ( USD, VND) payment upon arrival.
2.Extra fee just can be added into the bill when customers pay for us by credit card, 2% for bank charge in total, No tax including. Please also type the CVC code in your credit card's information or not your reservation will not be confirmed.
3.Check in12:30 - 23:30 hours;
Check out 06:00 - 12:30 hours ;
4.Pets are not allowed.;
5.3 day advance notice for free cancellation.
6.Shoes off in the lobby with shoes store.
7. Rooms with balcony can be requested but they are subject to availability. All the rooms are non-smoking. If you smoke, please request for a room with balcony. Our hotel have four floors without lift. If you need a room on lower floor, please let us know.
free Wi-Fi in all rooms Wi-Fi in public areas Voir le règlement intérieur
Vérifier la disponibilité
Les facilités
- Accès gratuit à Internet
- Plans de ville gratuits
- Serviettes incluses
- WiFi gratuit
- Adaptateurs
- Climatisation
- Compartiment congélateur du réfrigérateur
- Echange de livres
- Lit d'enfant disponible
- Nettoyage a sec
- Petit-déjeuner non inclus
- Sèche-cheveux
- Téléphones à carte
- télévision par câble
- ventilateur de plafond
- Accès à Internet
- Centre d'affaire
- Dernières arrivées
- Equipements de blanchisserie
- Navette
- Réception (heures d'ouverture limitées)
- Réception ouverte 24 heures sur 24
- Service de réveil
- Sécurité 24H/24
- Transferts Aéroport
- Visites guidées/Information touristique
- Échange de devises
- Café
- Mini Bar
- Théière/cafetière
- Wifi
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