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If you're in the market for credit, a home equity line of credit is one of several options that might be right for you. Here's the breakdown of what you can expect with a HELOC.
What is a HELOC?
HELOC, which stands for Home Equity Line of Credit, is a line of credit based on the equity you have in your home. In layman's terms, it gives you access to a revolving supply of cash in which your home serves as collateral. It works like a credit card – you use the funds as needed, pay down, repeat. You can access as much or as little of your line of credit at any time. Borrowers will make interest-only minimum monthly payments or pay off the balance and keep the line open.
To help you determine how much equity you have, take your home's value minus what you owe on your mortgage. If your house is worth more than the remaining balance on your mortgage, good news – you've got equity.
The Benefits of a HELOC
A HELOC offers homeowners several benefits, including:
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Once you're approved for a home equity line, lenders set the credit limit on a home equity line by taking a percentage of the home's appraised value and subtracting the balance owed on the existing mortgage. Here's an example:
|Home Appraisal
|80 %
|Appraisal Percentage
|Balance Still Owed on Mortgage
|Potential Line of Credit
What are the Requirements of a HELOC?
Like with any line of credit, a HELOC has specific borrowing requirements. Requirements for borrowing against home equity vary by lender, but these standards are typical:
• Equity in your home of at least 15% to 20% of its value, which is determined by an appraisal
• The debt-to-income ratio of 43%
• Credit score of 620 or higher
In determining your credit limit, Deseret First Credit Union will consider your ability to repay the loan (principal and interest) by looking at your income, debts, and other financial obligations as well as your credit history.
Reasons to Get a Home Equity Line of Credit
A HELOC is an excellent source of cash, but there is a right and a wrong way to use them. Here are four reasons why you should unlock the equity in your home.
1. Home Improvements
Perhaps the best use of a HELOC is for home repairs and improvements. However, be mindful of the type of home improvements you make. For example, an attractive and modern kitchen is one of the top priorities for home buyers, so consider adding new flooring, countertops, and appliances. After the kitchen, the best rooms to upgrade in your house are bathrooms and bedrooms. Plus, certain energy-efficient upgrades could offer tax benefits and lower energy bills on top of adding value to the home. Keep in mind that luxury additions, such as a pool, may not add too much to your home's value.
2. Emergency Expenses
A HELOC could be a good source if you need fast cash for an emergency. Saving thousands of dollars could take years. But with a HELOC, you could have access to up to 85% of your home's appraised value within a matter of days. This could help you cover unexpected medical expenses, job loss, or any other financial crisis.
3. High-Interest Debts
Dealing with high-interest credit card debt can be stressful and frustrating, especially if it's starting to snowball out of control. Homeowners can use home equity to pay off personal debts, including a car loan or credit card.
4. Funding Investment Properties
Funding an investment property is a solid wealth-building strategy for investors. Although there are a variety of ways to finance a rental property, pursuing the HELOC route is an ideal option. Keep in mind that lenders may hold higher credit standards for HELOCs drawn on investment properties.
Avoid using a HELOC for basic expenses like groceries, clothing, utilities, and phone bills. In a nutshell, only tap into your home equity for things that will produce a positive return.
Should You Get a HELOC?
If you're looking for a loan solution that allows you to control the money and the payments, we highly recommend considering a HELOC. A HELOC allows homeowners to use money as they need it and only pay interest on what they actually borrowed. Before applying for a HELOC, ask yourself how you're going to spend it and make sure you understand the terms and conditions. HELOCs typically have a 10-year drawdown period and a 20-year repayment period. Also, make sure you have a repayment plan and determine how it fits into your overall financial plan.
Unlock Your Home Equity with DFCU
Let your home's equity work for you with one of our home equity products from Deseret First Credit Union.
Learn More


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IT Support & IT Consulting Services for Law Firms
Having a trusted IT partner has a dramatic impact on the performance and profitability of your law firm. After all, busy law practices can't afford computer network security breaches or downtime, and you need an IT firm that's experienced with time entry, billing and case management software, and a partner who can provide timely and knowledgeable IT support & IT consulting services for law firms.
IND Corporation works with law firms throughout New Jersey to reduce their IT systems' cost and complexity, while ensuring they are always running at peak performance to maximize employee productivity, and your firm's bottom line.
As a leading NJ managed services company, IND Corporation offers an array of vital IT consulting and IT support services for law firms:
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- One hour urgent-issue response guarantee – we are here when you need us the most!
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Leverage our expertise and reap the benefits for your NJ law firm. Contact us to discuss your organization's specific needs.
Industry Case Study
Within the legal industry, companies are often faced with unique challenges, including providing appropriate access to information in a timely manner, while safeguarding the clients' sensitive information. Since information is the primary utility of the legal industry, it is essential that corporations have the necessary safeguards set in place.
IND Corporation began working with Guaranteed Subpoena Services (GSS) in 2010 when they were experiencing frequent business interruptions due to an outdated server and failing network infrastructure. Realizing that frequent downtimes were hindering their business continuity, GSS turned to IND Corporation to better manage their IT needs.
IND Solution
IND Corporation first onboarded the client into our TotalCare program to stabilize their current systems and minimize costly downtime. Our team was then able to provide strategic guidance to design and install a new IT infrastructure. IND Corporation reviewed an analysis of business function and needs across many departments, including the executive team. Through this analysis, our team determined an ROI for a managed service program that aligned with key business requirements and business goals.
"I've been working with IND for almost ten years now, and our business benefits from their technical and business acumen. They're great at pro-actively engaging with us, especially regarding our IT strategy – and then they help us execute that strategy. They have a talented team."
John Metta, Chief Technology Officer
IND was able to run GSS's business effectively and efficiently without spending wasteful hours on faulty IT functions. Our client went from experiencing frequent downtime to operating under a highly responsive system. Their outdated tape-based backup system was replaced with a hybrid cloud and on-premise business continuity system.

subset: commoncrawl


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Wireless Two-Way Tracker Featuring Bluetooth 4.0 Technology. Attach the Seek Tracking Device to Keys, Luggage, Purse, Etc. Follow Instructions to download the Seek app and pair to your handheld device. Alerts you when you are leaving behind important Items. Never lose your keys or phone (or people) again with One-Touch find. Using Two-Way Technology, locate a Seek device from your phone or find your phone by triggering an alert from the Seek. Map where your Seek device was last tracked. Complies with Prop 65. 1 5/8" W x 1 5/8" H
Batteries are replaceable and may last a year depending on use.
There is an IOS and Android app available to blue tooth with the tracker. The app allows 10 to be connected at a time. If you need use more than 10 at the same time, they would have to be split off to another phone with the app.
You can purchase Seek trackers individually from Darmody Creations with our logo on them at $14.99 each
Attache to our youth safety vest and help to keep your children safe
Seek Two-Way Tracker (Stock)
If you would like to order your own Seek Two-Way tracker with your logo, click on this related item


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Call (800) 246-3627 for all customer service issues.
Cinemark USA, Inc. is an American movie theater chain owned by Cinemark Holdings, Inc. operating throughout the Americas and in Taiwan. It is headquartered in Plano, Texas, in the Dallas–Fort Worth area. It is the largest movie theatre chain in Brazil, with a 30 percent market share.


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Asia-Pacific trade ministers have agreed to resuscitate the controversial Trans-Pacific Partnership trade deal, despite US President Donald Trump abandoning it.
President Trump signalled in January he would block the passage of the 12-nation pact in order to protect American jobs.
Trade ministers from the 11 remaining countries have met in Vietnam to get the deal back on track.
The representatives also agreed to help the US rejoin the deal at any time.


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Every year we are justifiably proud of our excellent Senior School results.
Our 28 leavers received the following offers:
|Aldenham School
|1 Offer
|Belmont School
|4 Offers (1 Scholarship)
|Channing School
|8 Offers
|City of London School for Girls
|1 Offer
|Downe House
|1 Offer
|Francis Holland, Regent's Park
|11 Offers (1 Scholarship)
|Haberdashers' Aske's School for Girls
|1 Offer
|Highgate School
|8 Offers (1 Scholarship)
|More House School
|1 Offer
|Mount House School
|1 Offer
|North London Collegiate School
|4 Offers
|Northbridge House, Hampstead
|2 Offers
|Northbridge House, Canonbury
|1 Offer
|Northwood College for Girls
|1 Offer
|Portland Place School
|1 Offer (1 Scholarship)
|Queen's College, London
|3 Offers
|4 Offers
|St Helen's School
|2 Offers
|St James Senior Girls' School
|3 Offers
|St Margaret's School, Bushey
|3 Offers
|St Margaret's School, Hampstead
|2 Offers
|St Mary's School, Ascot
|2 Offers
|St Michael's Catholic Grammar School
|2 Offers
|South Hampstead High School
|6 Offers
|The British School in The Netherlands
|1 Offer
|The Camden School for Girls
|1 Offer
|The Dragon School
|1 Offer
|The International School of The Hague
|1 Offer
|Woldingham School
|1 Offer
Below is a sample of the schools to which our boys tend to move to at the end of their time at St Mary's:
- Devonshire House Prep School
- Haberdashers' Aske's Boys' School
- Hereward House School
- Highgate School (Junior/Prep)
- St Anthony's School
- The Hall Junior School
- UCS Hampstead (Junior/Prep)
We are always delighted to celebrate our outstanding Senior School results.
St Mary's School is non-selective, so Year 6 destination schools vary by year. We have built strong relationships with a fantastic range of schools and we always encourage parents to send their child to the school where they will thrive both academically and socially.


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Amanda McCaleb, M.Ed.
Amanda McCaleb is a Literacy Specialist who lives and works in Springfield. Amanda has been evaluating and working with struggling readers since 2010.
Amanda graduated from Cedar Falls High School in 2003. She went on to attend Drury University where she earned a Bachelor's degree in Psychology in 2010 and a Master's degree in Education in 2012.
In 2015, Amanda began her doctoral journey in Reading Education at University of Arkansas Little Rock. She plans to complete her dissertation in 2020. Additionally, she has earned graduate certificates as a Dyslexia Therapist, Literacy Coach Specialist, and School Psychological Examiner.
Amanda began her career in public education in 2010 as a special education teacher for Branson Public Schools. In 2014 she began working for Ozark Public Schools where she went on to become a Process Coordinator and Literacy Coach. Amanda now works for Springfield Public Schools coordinating assessments and interventions for students at-risk for dyslexia.
Amanda began working with students privately in 2015. She has been trained in multiple intervention programs designed for individuals with dyslexia. She specializes in reading evaluations and using that information to tailor intervention plans specific to each child's needs.
Current Focus and Interests
Amanda evaluates children and adolescents for reading concerns. She provides therapy for a variety of reading difficulties including dyslexia. When not working, Amanda enjoys serving on the Drury Alumni Board, listening to records, reading, and trying to beat her son and husband in Mario Kart.
International Dyslexia Association https://dyslexiaida.org/
International Literacy Association https://www.literacyworldwide.org/
National Association of School Psychologists https://www.nasponline.org/


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Sectarianism is Unacceptable (Mark 9:38-42)Elijah Martinovici, 08/10/2017
Part of the Harmony of the Gospels series, preached at a Sunday Morning service
|Same day:
|« The Transfiguration
|The Beginning of the Gospel - Part 1 »
Mark 9:38-42
38And John answered him, saying, Master, we saw one casting out devils in thy name, and he followeth not us: and we forbad him, because he followeth not us. 39But Jesus said, Forbid him not: for there is no man which shall do a miracle in my name, that can lightly speak evil of me. 40For he that is not against us is on our part. 41For whosoever shall give you a cup of water to drink in my name, because ye belong to Christ, verily I say unto you, he shall not lose his reward. 42And whosoever shall offend one of these little ones that believe in me, it is better for him that a millstone were hanged about his neck, and he were cast into the sea. (KJV)


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Introduction: CNC USB Dual Layer PCB Milling
I've recently built a CNC machine out of various pieces of high-quality salvage. With the money I saved in the construction of the system I bought a controller and software, the excellent MK2 CNC USB controller from Planet CNC. This forms the interface between the computer and stepper motor drivers and is controlled by a sophisticated program capable of importing Gerber files, DXF files and other useful formats. I'm using Pololu stepstick boards to drive my NEMA23 stepper motors but at the moment they are just sitting on a solderless breadboard; not the neatest of solutions. I decided that the first task I would use my CNC machine for would be making a PCB to tidy things up a bit. This is the story of how I used my system to make a completely different PCB. This instructable assumes that you have a CNC miller controlled by the Planet CNC CNC USB controller, properly aligned and calibrated.
Teacher Notes
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Add a Teacher Note to share how you incorporated it into your lesson.
Step 1: Camera Setup
I'm using a cheap (£12) USB endoscope camera bought via eBay from China. It has a 10mm diameter metal body, very easy to mount. However the CCD on this cheap camera was 7 degrees off axis, so have plenty of adjustment room in your mounting bracket. The camera is mounted next to the spindle. To set up the camera:
Drill a small hole into the spoil board. Then:
Machine->Camera->Set offset->Mark /4801
Now start the camera:
Machine->Camera->Show Camera ... /480
Centre the camera crosshairs over the hole, at lowest possible Z height.
Machine->Camera->Set offset->Read 1 /4802
Increase Z as far as possible while still being able to see the hole, and re-centre the crosshairs.
Machine->Camera->Set offset->Read 2 /4803
This sets up the camera so that you can accurately place your spindle over a job or read off co-ordinates for transformation of tool paths (used later). It uses two points to compensate for possible mis-alignment of the camera, which would shift its apparent position when Z height is altered.
Step 2: PCB Design and Gerber Import
I use DesignSpark PCB to create my circuit board designs. It's free, and there is no limit to the size of board you can create (well, I think it goes up to 1mx1m... should be enough for most purposes). I've altered the design rules to make them more suitable for home milling, using this instructable for EagleCAD as a guide. I'm using through hole PCBs, which means that I can use the drilled holes to work out co-ordinates for transformation and alignment of the bottom layer. If you are using surface mount, you might want to add a few drilled pads for alignment. Don't forget when positioning these holes that your camera will not travel as far as your drill due to its offset. Export your artwork to Gerber once you've finished.
Clamp PCB onto spoil board, ensuring that the camera can reach the holes which will be used for the transform matrix. I use short wood screws and cup washers. You can attach a crocodile clip to one of these later when measuring your tool offset. Notice on the left side I've marked the limit of travel of my camera... my machine in it's current incarnation only moves 100mm in each axis, which means with my camera -35mm away in Y it can only move to +65mm in the Y axis.
Put the hole drill into the spindle, leaving the spindle at a safe height.
Move the drill to the XY position where the milling will start (bottom left of PCB).
Set the XY offset to this position:
Machine->Offset->Current XY /45251
Import the top copper Gerber file:
File->Import Gerber /115
Step 3: Gerber Import Window (units Are Mm)
I use a drill depth of 0.01mm (10um) with my 60 degree PCB milling bit, and a drill depth (for pad holes) of 3mm.
Step 4: Positioning the Gerber File
Move the origin of the file to the drill position:
Program->Shift->Extents to zero XY /336
WARNING! Do not use "Extents to zero". This will alter Z height and therefore drilling/cutting depth. Check that the board Z matches the origin by viewing from the side:
View->Front View F2 /223
Return to top view:
View->Top View F1 /221
Measure the tool offset: wires should be attached to MK2 INPUT connector, one attached to GND, the other to INPUT 5 as in the picture from the USB CNC manual.
Step 5: Tool Offset Measurement
Attach the GND wire to your PCB. I use a crocodile clip attached to the screw which is clamping the PCB to the spoilboard. With the
spindle at the highest Z, check that the electrical connection has been made by running a dummy test:
Machine->Tools->Measure Tool Offset Here /463
As the spindle lowers, touch the other wire to the PCB.The spindle should instantaneously stop and retract. If not, be ready to use the E-stop. If the tool sensor works correctly, clip the other wire to the drilling bit (it may not be electrically connected to the spindle body). If your bit is connected to your drill body, there may be electrical continuity between your spindle and your circuit board already if it is clamped to your machine bed. Use a non-conductive spoil board and insulate the clamps from the PCB in this case. Make the electrical connection to the PCB by holding the ground wire against it or something. Repeat the tool offset measurement:
Machine->Tools->Measure Tool Offset Here /463
NOTE: Andrej of PlanetCNC tells me that this is more correctly done by measuring Z offset:
Machine->Offset->Measure Offset Z /459
And he should know, having designed the board and written the software.
I'll try this method next time I mill a circuit board.
Remove the wire from the drill bit! You are now ready to begin drilling holes. Start your spindle and press "PLAY".
Step 6: Top Copper Isolation
Once the hole drilling has finished the program will pause.
However, as the spindle needs to be moved manually you must stop the program here, using the STOP button next to PLAY. Stop the spindle and move to a convenient position for changing the drilling bit to the PCB etching bit.
Change the bit to one such as pictured above, then move the tool back to zero XY. Re-attach the tool sensor wire to the bit. Make sure that the copper that you are going to use to measure the tool offset is still electrically connected to the GND wire (i.e. hasn't been isolated during milling). Measure the tool offset:
Machine->Tools->Measure Tool Offset Here /463
Detach the wire from the bit. You are now ready to begin isolation of your tracks. In the G-code editor on the right of the CNC interface find the line which says:
You can do this from:
Program->Lines->Select Next Pause /313
This is the HALT code. Right click the line after and
Start from Selected Line.
Resume program from selected line; isolation will start. I like to spray WD-40 onto my board during this process, so I also like to put a lens cap onto my camera; the silicone cap from an electronic cigarette fits perfectly :). WD-40 helps reduce the amount of dust sprayed around during milling, especially useful if you're using a fibre re-enforced board. Rumour is that it also improves the quality of your cut.
Congratulations! You should now have a PCB with the top copper layer cut and holes drilled in appropriate places. Now for the tricky bit...
Step 7: Selection of Co-ordinates for Transformation
Turn the board over and screw it to your spoil board. Make sure that the edges of your design fall within the travel of your machine. Now
you need to choose some holes from which the transform is calculated by
measuring their positions with your camera. Choose holes which cover as much
range in X and Y as possible, not forgetting that as your camera is offset from
the spindle the camera may be limited in its movement if your circuit design
takes up the whole of your machine working area. My camera is offset from the
spindle by -35mm in the Y axis, which means I can't capture holes at the top
edge of my circuit design (>65mm Y) due to the limited travel of my machine
(100mm in Y). It's OK though, just choose other holes as close to the limits as
possible. Three holes are the minimum for the transformation, but you can
capture more if you like.
Load the bottom copper Gerber file. Although holes have already been drilled into the PCB during the top copper milling, I like to still have the drill checkbox checked. This means that the drill path appears in your machine view window, allowing you to accurately choose hole centres. Don't do this if you're using surface mount devices though...
In the screenshot above, the red line at the centre of the screen shows the drill plunging to make a hole. If you select that line and double right click with the mouse, the section of the G-code (right panel) that describes the line is highlighted (line 195). You can see the co-ordinates of the line above (line 192). These are the co-ordinates of the centre of the drill hole you will enter into the points section of the transform matrix later. With your circuit board facing bottom copper up, match drilled holes to holes in the bottom copper file.
Step 8: Transformation Continued...
The hole marked 1 in the above picture is the nearest hole to 0,0 on my machine. As the board has been flipped, this has the greatest X
and Y values. Mark the co-ordinates from the G-code onto the board to avoid any
Clear any offset from the machine:
Machine->Offset->Zero /451
Now move the camera to the first point and centre the crosshairs in the hole. Capture the point:
Machine->Transformation->Capture & Measure Points->Capture->Capture point (0)/48101
This captures the first point. Move the camera to the second point and repeat the process. Notice that the number of points captured so far appears on the right of the menu (zero for the first point, above). When you have captured all of the points, you need to calculate the transformation matrix:
Machine->Transformation->Calculate Transformation Matrix From points... /483
Step 9: Transformation and Bottom Copper Milling
The co-ordinates of the captured points appear in the To (X Y) columns on the right of the points table above. Select a line and enter the
points you read off from the Gerber file in the Points From (X Y) text boxes.
Press the Update (Updat) button; the From points appear in the table. Repeat
for all of the captured points. Now you are ready to calculate the
transformation matrix. Pressing the Calculate button on the dialogue box
calculates and automatically enables (applies) the transformation matrix.
WARNING!!! The transformation matrix applies to ALL machine co-ordinates... jog directions are changed, if the board is flipped then jogging –X will move +X! If rotation is applied (and it usually is), moving in X will also involve travel in Y and vice-versa. LIMIT SWITCHES WILL NOT WORK!!! Do not home the machine with transform enabled!!!
Re-measure the tool offset and then check if the transformation has been accurate. Select a drill hole line as previously in the machine view, double right click to find the G-code, right click that line: Go To – Selected Line XY The tool should move directly above the hole. If so, you are ready to start isolating the bottom copper. If not, clear the captured points:
Machine->Transformation->Capture & Measure Points->Clear->Clear Points (3)/48201
and try repeating the points capture and transform procedure. Don't forget that you have G-code which includes hole drilling. Find the line which says:
again. Right click the line after and
Start from Selected Line
Bottom copper isolation should start. With a bit of luck you should have a two layer PCB when it has finished.
Depending on your cut quality you might have some ragged edges which can be polished up with a bit of fine grit silicon carbide paper. Also, I found lots of little bits of copper swarf between my tracks, which could possibly cause short circuits. Once it was finished I put the circuit board into an ultrasonic bath with warm soapy water for ten minutes to clean these out.
I hope this helps, happy milling!
Be the First to Share
I had some issues with scaling when i first started. I found that the solution to my problem was the units used in Eagle(pcb software) did not match the units I used in mach3(cnc software). Both must be in mm or inches, else it does not scale properly.


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Head Gasket Set for Cummins ISX SOHC
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Introducing Maldives handwriting brush with some combination of style Street and LifeStyle. Ready used with beautiful character!These three lovely fonts combination would be perfect to combine in your design. with Handmade Brush Texture style. The fonts are great for product logo,wedding card logo, clothing brand logo,Vintage design and much more.Files Include :
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Ribbon Cutting Celebrates New Pharmacy at Sandestin Executive Health & Wellness CenterMarch 23, 2015
Destin, Fla., March 23 - On March 18, Destin Area Chamber of Commerce staff and ambassadors gathered to celebrate the new pharmacy at Sandestin Executive Health & Wellness Center with a ribbon cutting.
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Upcoming Events
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Spain, also called Kingdom of Spain,Spain,Reino de Espana can be found on the map at Southwestern Europe, bordering the Bay of Biscay, Mediterranean Sea, North Atlantic Ocean, and Pyrenees Mountains, southwest of France; it is strategic location along approaches to Strait of Gibraltar; Spain controls a number of territories in northern Morocco including the enclaves of Ceuta and Melilla, and the islands of Penon de Velez de la Gomera, Penon de Alhucemas, and Islas Chafarinas. Most Spanishs fall into composite of Mediterranean and Nordic types groups. Madrid is the current capital and there are 17 autonomous communities (comunidades autonomas, singular - comunidad autonoma) and 2 autonomous cities in Spain.
Background:Spanishs received their independence on 1492; the Iberian peninsula was characterized by a variety of independent kingdoms prior to the Muslim occupation that began in the early 8th century A.D. and lasted nearly seven centuries; the small Christian redoubts of the north began the reconquest almost immediately, culminating in the seizure of Granada in 1492; this event completed the unification of several kingdoms and is traditionally considered the forging of present-day Spain. Spain"s powerful world empire of the 16th and 17th centuries ultimately yielded command of the seas to England. Subsequent failure to embrace the mercantile and industrial revolutions caused the country to fall behind Britain, France, and Germany in economic and political power.. Spain's trade allies are . Official currency for Spain is Euro (€)(EUR) and Spanishs speak Spanish,Aranese, Basque, Catalan/Valencian and Gal. You can learn more about Spain at http://en.wikipedia.org/wiki/Spain
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text:
♪♪Music♪♪ This lecture is entitled,
entitled bottom of the 9th. What I want to do in this
lecture is talk about the 9th amendment of the Constitution. The last substantive rights
based amendment in what we call collectively the Bill of Rights. The 9th amendment in the words
of the eminent Jack Rakove is a joker that's never been played. It's a card that's never been
played in a hand in Constitutional law in any
meaningful way in American Constitutional history though
some Justices have used the amendment to justify their
opinion; it has never been the basis of a majority therefore
binding precedent of American Constitutional law. But it's never the less a
fascinating amendment, so there's an interesting question
of why it's never been used and I think we might get an answer
to this at the end but there's also an interesting question
about how the amendment works. The amendment says the
enumeration in the Constitution of certain rights shall not be
construed to deny or disparage others retained by the people. Let's take a second and break
that down. The enumeration in the
Constitution of certain rights which is what the word
enumeration means, it means to make a list. So we can imagine that the
Constitution and we can look at it and see that the Constitution
lists certain rights that we have. And then it goes on to say that
the enumeration of those rights shall not be construed or
understood or used to deny or disparage others retained by the
people and there really should be another word in there, other
rights retained by the people because that's what that
implies. So the 9th amendment says
potentially and scholars disagree with this, jurors
disagree, it's not over whelming but there is some debate about
this of whether or not all in other words, whether the 9th
amenfdment says that whatever rights are listed in the
Constitution in other places are not exhaustive of the rights
that the Constitution gives us. In other words their not
exhaustive of the rights that we can hold up against governments
both national and state. In other words the more rights
that we have that are just as important as the rights that are
written down and enumerated, there are other rights that we
have. Well this is potentially
problematic for the way that we understand American
Constitutionalism. We understand it as a higher law
as I've said many times, that rules, they are the rules of the
game under which normal kinds of political operations happen. They're the rules of the game. We wrote the Constitution down
to both empower the national government and limit it at the
exact same time and by writing things down we limit. Writing is an inherently
limiting endeavor at the same time that it can also create
things, right? We like to think that God
created the world through writing, right? In Genesis, right, he wrote the
world? Well we wrote a Constitution. But the question is that
Constitution exhaustive of all of the rights and the 9th
amendment seems to suggest that it's not. And that's potentially
problematic for a notion of a higher law Constitution because
the idea with a higher law Constitution as we've heard
especially with the amendment lecture was that it'd be very
difficult to change, not impossible, but very difficult
to change. Certainly ordinary pieces of
legislation do not equal that higher law. But if the 9th amendment says
that there are other rights retained by people besides those
that are enumerated or listed in the Constitution, then by
ordinary simple legislation or simply an assertion by a single
Justice that there is a right out there that we might have
that's just as important that's just as much a part of the rules
of the game as those rights that are written down, that
particularly violates article 5 of the Constitution. It potentially puts into the
Constitution without going through, skipping the amendment
process, an amendment to the Constitution that is, that has
done gone through the proper channels. So, but one other way to
understand the 9th amendment without criticizing it in a
sense, without looking at it negatively, would be to do, to
use the idea that the eminent political and legal philosopher
Ronald Dworkin argument. And he makes an argument that we
should understand Constitutional rules, rules of the game right,
these higher laws or rules through a simple exercise of
making a distinction between concepts and conceptions. What he means by that for
example would be, we can have a conception of whst due process
of the law is, or we can have the concept of due process of
law, this big airy concept but then at particular periods of
time we can have particular conception of what that means,
to whom it applies, how it works, ok? So there'd be a difference
between the concept of due process or individualized or
even periods of conceptions of what that category of rights
means. Now if we do, if we understand
Constitutional law or higher law in that way the 9th amendment
seems to make a lot of sense. That there, yes, there are other
rights out there that we don't list down for a lot of reasons,
if we do buy into this argument that these, these concepts, that
these are the concepts then it would be impossible to list in a
Constitution all the rights that we have. We would have to discover new
ones or resurrect new ones or get rid of some to if the case
may be. So in that sense the 9th
amendment makes a lot of sense but there of course other rights
that we have. The rights that we have that
we've enumerated are very, are very important ones but their
not exhaustive of the rights that we have. Now, less we think this is
unimportant as it's in the words of Jack Rakove, a joker that's
never been played, the 9th amendment is very important in
overall development of Constitutional law. The first time that it becomes
important in our generation, in the last forty years, is in a
very seminal case called Griswald vs. Connecticut where the court
recognizes a right to privacy, a general right to privacy, but
within that right or under that concept of privacy is the right
of marital privacy specifically whether or not husbands and
wives can choose whether or not to use contraception. Now there is no specific
enumerated right to privacy in the Constitution. You can look through your pocket
copies all day and all night; you will not find the word or
the term right to privacy. The first Justice on the court
said their was one though, the first Justice who ruled on this,
Justice Douglas said I can find a right to privacy. I can look at the enumerated
rights, specifically the Bill of Rights and they form he said
penumbras and emanations. In other words, the 3rd
amendment says we're going to prohibit the quartering of
soldiers in your home. Well even though that doesn't
specifically say privacy that sends up almost a smoke signal
like idea of privacy. Why would you be concerned about
prohibiting soldiers from their home, from your home if you
weren't first concerned about privacy? Similarly with the 4th amendment
prohibition against unreasonable searches and seizures and the
requirements that warrants be very specific when they're
issued. Why would the Founders have be,
been concerned to write down that right, enumerate it, make
it a fundamental right if they weren't so very concerned about
privacy? But Douglas wasn't the only one
concurring opinion agreeing that this was this right to privacy. Another Justice, Justice Arthur
Goldberg, said that this right to privacy could be found in the
9th amendment. He said this marital right to
privacy can be found in the 9th amendment. Now of course the 9th amendment
doesn't say that, nevertheless we have from Griswald vs. Connecticut recognized the
marital right of privacy. Just a few years later after
that we recognized a single persons right to privacy with
contraception and just 8 years after the 1965 case of Griswald
vs. Connecticut in Roe vs. Wade we recognized that that
right to privacy was also much larger, it was large enough to
encompass a woman's right to choose whether or not to have an
abortion and that right was a private right between her and
her doctor. So at the very least, although
the 9th amendment has not been used in any major controlling
case or in other words, we haven't had a majority of the
court just those, just that majority use the 9th to construe
extra rights, we have had some, nevertheless the 9th amendment
has become extremely important in the notion, in the area of
rights in the United States. One last thing about the 9th
amendment, it ids the court that's interpreting what these
rights are. If they were to use the 9th
amendment they would have to decide what those other rights
are besides those that are written down and in that case
Griswald vs. Connecticut, there were 2
descents, Justice Harlan and Justice Hugo Black and I would
encourage you to read Justice Hugo Blacks descent not so much
because I agree with it but because I think it's a brilliant
refutation of the use of the 9th amendment and this other
argument that was used in the case, to find a right to privacy
but more generally a wonderful refutation of the argument
against adding things to the Constitution outside of the
amendment process. Now if Blacks right and we have
to understand the 9th amendment in a very limited way, in a very
limiting way but if the 9th amendment is understood in the
way that say Ronald Dworkin understands it, that these are
general concepts and at various points of time we can have
different conceptions of what that concept means then the 9th
amendment is very, potentially very, very powerful rights
creating amendment. Thank you. (Applause) (Music) Freedom 101
is made possible by generous support from Woody Young and the
University of Oklahoma Alumni Association Freedom 101 is a
program of the Institute for the American Constitutional Heritage
at the University of Oklahoma. For more videos and podcasts
visit freedom.ou.edu. (Music)


text:
$29.95 $99.99 You Save 70% ($70.04)
After, the rate will be reset to its original price.
It's probably the Best Investment you can make for your furry friend's longterm health.
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Waggie® begins to work after putting it on. Natural insecticidal substances begin to emit from the collar, spreading over your pet's fur/coat, giving full protection to your furry friend and peace of mind to you.
Can my pet wear the Waggie with other products to fight of pest?
- Yes, we made it so our pets can wear it alongside with other products without any problems, however it is not necessary.
Do I have to keep the Waggie on my pet all the time?
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Are they safe for pet with seizures?
- Yes, however if you believe that the ingredients might cause an allergic reaction, please do not use it. 3 essential oils, citronella, lavender, and linaloe oils
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" Cut up the flea collars and put it in the vacuum cleaner. Thoroughly vacuum your pet's favorite spots, particularly where it sleeps.
Scroll Up and Click 'Buy Now' to try the Waggie® today like thousands of pet owners have already, and finally be able to let your pet enjoy a parasite-free life!
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We can't promise delivery times. We can't control delays caused by the weather or the postal service. If the maximum number of business days has passed and your package is missing, please reach out to us, and we will assist you the best way we can!
Please note that 10-28 Day deliveries are an estimation and that it may take longer than this depending on where you live or if it's a busy time of the year.Busy time of the year: 12-35
We sincerely believe that a good shopping experience is what makes our customers return to us. We want you to be happy and satisfied with Winkflo and your purchases with us. Therefore, we guarantee to offer you 24 hours customer service to better assist you with your time with us. If you have any inquiries regarding your purchases, please contact us at email@example.com or simply hit the chat room button! We guarantee that we will do our best to resolve your issue as soon and thoroughly as we can. We want you as our lifelong customer.
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We have 24/7 Ticket and Email Support. Please contact us at email@example.com if you need assistance.
I just wanted to let everyone know that my dogs collar would not stay on and came off many times. I was upset because from what i read this product sounded like the real deal. The last time it fell off my dog chewed it up. She is fine but I did spend my hard earned money and no collar. Im contacted customer service via email and received a new collar in the mail. Thanks a bunch and looking foward to keeping my dog critter free.
just placed it on my Chow Chow puppy 19lbs & growing after full grooming bath cleaning shave etc... Seems good so far shipping took 1 week though
I bought this in bulk for my pet store. Customers seem to love it. So it seems like I need to make another order with Winkflo. Hopefully they will give me a good discount for me!
Like the title says so far no ticks! Been on my little furry ball for 2 weeks, and no ticks so far! Ticks season is close to its peak and im very happy. I gave it 4 stars because shipping took 2 weeks. Overall it works
This thing is worth every god damn penny I SWEAR! The wife and I use to find little critters on our boy Max all of the time, but after letting him wear this for a week... ZERO signs of those pests anymore! Finally, we can feel safe petting our good boy again.
I was worried that this collar would give my pup rashes like other brands. However I got this product because it claims that it uses all natural ingredients that won't harm your loving pets. And its been 1 week with it on my little one and I have to says it works! I've already taken my pup out in the Florida tick season and not a single one to be found! Usually we would find at least one every week on our pup but none so far! I'm actually so happy that my husband convinced me to get this for our little champ <3


text:
Download our new report, "A Future Uncertain: Long-Term Risk Analysis & Strategies to Defend Your Business"
Last week Facebook shared that they had discovered a security vulnerability that may have affected as many as 50 million users. Facebook has been careful to disclose only what they know with certainty at this point in time and has left everyone wondering about the implications of the vulnerability. Who was actually affected, and how was their data accessed?
What happened?
Essentially, the vulnerability was the result of three software bugs being strung together to produce an escalation of privilege: a security threat where someone is able to assume the identity of a user that has more access than the attacker normally would. If fully exploited, the attacker they can do anything you can do on Facebook: sign in to new third party services, to new websites, view and download all of your private message history. They can look at the list of websites where you've used Facebook Log In, visit those sites, and make a copy of your data there too. Do you use your Facebook account to sign in to AirBNB? They have your reservation history. You might even use your Facebook account to access medical records or other real information.
How do I know if I've been affected?
Facebook is showing notifications, you'll need to log in. Keep in mind you may never know if your data was accessed by someone that wasn't you, or what data.
What can I do?
Data breaches are scary because you don't know if you've been targeted until you find evidence of the data weaponized in another context. It's unlikely that Facebook knows or will tell you where data is disclosed. If you have a monitored profile with SafeGuard Cyber, you can set alerts to look for specific pieces of information you might be concerned about. Contact us if you have questions.
What's the potential for damage?
The implications for individuals and enterprise business range from brand risk to third-party vulnerabilities. Our team compiled a comprehensive risk analysis to empower your organization for defensive planning. Understand the risks associated with the breach and learn how to operationalize your defense approach.
Download our new report, "A Future Uncertain: Long-Term Risk Analysis & Strategies to Defend Your Business"


text:
Oh I am a nightmare if I don't get my 8 hours sleep 😡
Ever heard this said?
Maybe the fixation with 8 hours is the problem
Or certainly how we frame it
You get to bed at 21.55 knowing you must be up at 06.00 the following morning
5 minutes to get to sleep because of the condition we have set – no pressure 😉
We all know when we force sleep it doesn't come…
Could we frame it more as rest time?
For most of us being in bed resting for 8 hours is an improvement so why not start here?
By framing our time in bed as rest time we take the pressure of
And will naturally sleep better.
For more information on how to sleep easier once you are in bed
Check out this article
The article will help you all back to a more peaceful childlike sleep
Like the photo of my little bro below when he was only a wee toddler 👦
Declan "Zzzzzzz😴" Treanor


text: Harborview Properties has been in the Real Estate Business since 1991 in the Sound Shore and Central Westchester County area. The goal of our business has always been simple, finding our customers a home that they love. Hundreds of landlords and property management companies rely on Harborview Properties to find them qualified tenants and buyers. These relationships help our customers because not only can we show exclusive listings but we can fast-track applications giving customers a head-start. Our office makes sure that we have a FULL inventory for all Private, Public, and MLS Rental Listings, so that clients are offered every possible option, in the fastest time frame. All of the agents at Harborview Properties are highly trained real estate specialists who have the experience and knowledge to deal with every client's unique situation and assist them in finding their next home!


text:
Join The Team!
Are you creative, outgoing, and love spreading joy and magic?
Do you love entertaining?
Great! You could be a perfect fit at Whimsy & Wishes!
Please email your resume, cover letter and headshots to owners Lindsay and Madeline.
We can't wait to hear from you!
Email: email@example.com


text:
Hida Takayama (Takayama City, Gifu)
Hida Takayama is a small ski hill located to the east of central Takayama city in the northern region of Gifu Prefecture. Normally this area enjoys good snow conditions and fine 360 views can be enjoyed from the top. There are actually three lifts but the Kamoshika lift is currently not operating.
Gifu Prefecture is located in the Chubu region of the central region of Honshu island, and it one of only a handful of landlocked prefectures. It shares borders with (from the north) Toyama, Nagano, Aichi, Mie, Shiga, Fukui and Ishikawa. Most of the ski and snowboard resorts in Gifu are located in the northern region of the prefecture – in Gujo city, Takayama city, Hida city and Shirakawa village.
Hida Takayama Season & Opening Times
Hida Takayama Lift Ticket Charges
Reader Photos & Reviews
Other nearby ski resorts
Approx. distance from Hida Takayama by road (in winter)
Japan accommodation
About the information on this page
For more details and explanations about the information presented on this page, please read this.
It is very important to us that the information presented on SnowJapan is correct and up-to-date. Checks and updates are made throughout the year. If you find information that you feel needs checking and updating, please let us know by contacting us. We appreciate your support.


text:
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A Jeppesen's full coloured manual to get the instrumental...
Corsi di addestramento al volo su DVD, filmati su aerei militari e civili, manifestazioni aeree e DVD storici.
Software for pilot training courses, piloting techniques for computer.
DVD for training on specific topics related to the flight, flying lessons on DVD
Movies on DVD about flights on airliners.
DVD movies with movements of aircraft on the apron of the airport, takeoffs, landings and taxiing.
Video DVD on aviation history of Italy and other countries and historic airplanes.


text:
This building is rich in history. It is an example of a Dutch eighteenth century governor's home, breathing the atmosphere of Paris, Amsterdam and The Hague.
However, before the house was built, there were three dwellings of a baker, a brewer and a cheese vendor on this spot at Westhaven. These houses were given the names Hardebollen, De Bijl and Het wapen van Zeeland [Crusty Hard Rolls, The Axe and The Weapon of Zealand]. In 1718 Willem van Strijen, a patrician from Gouda (1667 – 1765), bought these houses.
Van Strijen
Van Strijen was a member of a governor's family in Gouda. He took up numerous ecclesiastical and public functions. For seven periods he held the office of mayor of Gouda. In 1742 he was the most affluent citizen of this town. He had five maid servants and a carriage with two horses. Van Strijen wanted a dwelling befitting his standing, and had it designed specifically for him. Construction started in 1728.
Building styles
The house was built in Louis XIV style. To some extent this large building with five windows shows the straight appearance of Dutch classicism. On the one hand it shows the classical build-up, such as the sandstone façade with the four pilasters and two slate cornerstones, on the other there is a touch of rococo in its decoration. This shows from the decorated central axis, which is crowned by the elevation over the cornice of the façade with the ornamental vases. In the past the medallion in the middle showed the family weapon of the Van Strijens.
De Lange van Wijngaarden
Half a century later the Gouda historian and patriot Cornelis Jan de Lange van Wijngaarden lived at this address, married to Willem van Strijen's granddaughter. De Lange van Wijngaarden was an ardent patriot whose life changed on 28 June 1787, when Wilhelmina van Pruisen was on her way to The Hague. She was arrested close to Gouda by De Lange van Wijngaarden's paramilitary unit, and held in custody in a farm in Vlist. This incident had far-reaching consequences.
Despite his political rigmaroles De Lange van Wijngaarden was and remained a wealthy governor with a lot of assets and many possessions .
After De Lange van Wijngaarden, Lodewijk van Toulon resided in the house, also a mayor, president of the Parliament's Second Chamber and governor of the province of Utrecht.
Various occupants
After the departure of the Van Toulon family the canal house stood empty for a number of years.
Later Jakob Schouten lived there, a schoolteacher who wanted to establish a school in it, a pre-grammar school.
Publisher Gerrit Benjamin van Goor later bought the house and lived in it from 1869 – 1889.
The managing director of the Gouda Candle Factory, Mr. G.J. Steenzijden, bought the house with a view to the general well-being of the people in Gouda. He was a prominent Gouda inhabitant, who had achieved a good reputation.
In the years that followed the house was a kind of grammar school with a strong emphasis on academic learning and classical languages: the Coornhert Gymnasium. Yet the building failed to suit the purpose of a school building to some extent. There were e.g. complaints about accessibility, the noise of the traffic in the harbor streets, and the size of the physical training hall.
Plans for a new building were delayed when World War II broke out.
During World War II
The school building was confiscated by the German army in this war.
On 30 November 1944 the building was evacuated to make room for patients of the Van Itterzon hospital, after bombardments on the Jozef pavilion.
After the war
In 1945-1946 the lessons to the grammar school pupils were resumed. In 1952 the Coornhert Gymnasium moved to the Nansenstraat. From 1952 until 1989 the Chamber of Commerce was located in the building. After that it was used as home office by Mr. G.C. van Vliet's insurance company. In 1996 Van Lanschot bankers moved in, a period that lasted until 2015. Since 2015 the building has been privately owned, and the period rooms are rented out.


text:
Gretna Farmers Market Monthly
If your business wants to become a supporter of the Gretna Farmers Market Monthly Newsletter please contact xxxx 504-999-9999. Your advertisement will be placed in the middle or at the bottom of this newsletter. Your ads will also appear on the Farmers Market webpage. Donations range from $25 to $50 a month with a 4 month minimum. A 20% discount for yearly ad placements. A maximum of 4 ads will be accepted and on a 1st come basis. Check with your CPA or Tax Advisor as to wither you can deduct for these ads. We are a non-profit organization. We can also use your logo for the ad. You can supply the ad or we can use or take a picture of your business and place your name and phone number under the picture.


text:
Real value is the value of an investment adjusted for inflation. It is crucial to find the real value of your investment, particularly if you are holding it for an extended period of time, as the value of money decreases, so does your investment's value, and you need to compensate for this to understand how much you're actually making.
The reason for this is because $1 buys less this year than it did last year, which in turn bought less than it did the year before that. Money is only as valuable as the goods it can buy.
Find the return on your investment. So, if you bought some stocks a year ago for $1,000 that are now worth $1,100, then the nominal return on your investment is 10 percent.
Find the value of inflation for the period in question. So, if inflation was 5 percent in the same year, then it takes $1,050 to buy what $1,000 could have bought a year previous.
Subtract the inflation percentage from the nominal return on your investment -- 10 percent minus 5 percent is 5 percent. The real value of the return on your investment is 5 percent, or $50.


text:
A police headquarters is not the kind of place where one usually expects friendly conversation. At first glance, the East Palo Alto Police Department on quiet Demeter Street seems no different.
A row of plastic chairs lines the back of the sunless lobby, its occupants looking less than elated to be here on a Wednesday afternoon. But when police Chief Albert Pardini steps into the room, clad in full uniform, one of the men slouched against the wall straightens up. "Hey, Chief," he calls out with a smile, "I haven't seen you since the last City Council meeting."
As the two strike up a conversation, they sound like old friends catching up. Pardini knows the man by name, and the man relates his latest problems: soaring rent and an impounded car. Pardini listens intently, then promises to talk to another officer who may be able to help.
Such a conversation would have been unthinkable in East Palo Alto just a decade ago. It's hard to believe that this is the city that used to be called the 'Murder Capital of the United States,' when distrust and bitter resentment between civilians and police ran so high that many crime victims avoided calling the police at all.
Since the turbulent, high-crime days of the 80s and 90s, the city has undergone a slow but steady transformation, one that culminated in an incredible milestone this year: the city has not seen a single homicide thus far in 2017. But behind the statistic lies a decades-long struggle against crime and the fear it brings with it, waged not only by public officials but by residents themselves.
Distrust and division
Ruben Abrica, vice mayor of East Palo Alto, has lived in the city for almost 40 years, and has been involved in community volunteering and government for almost as long. He was on the City Council in the 1992, when the city saw homicides peak at 42 killings in one year, as reported by the Los Angeles Times.
"The crack cocaine epidemic had hit us pretty hard," Abrica recalls. "There were a lot of shootings, a lot of people killed. Half of them were not even from East Palo Alto … [but the killings] happened here and we got stigmatized in a way."
Plagued by violent crime and surging gang activity, the city suffered from another, more unsettling issue: a growing divide between residents and the police. According to Abrica, former police chief Ron Davis (who held the position from 2005 to 2013) would often host community meetings after violent crimes were committed and implore residents to come forward with any information.
"We're a small town, and often people [would] know who did it," Abrica says. "And at the time many people didn't want to say anything … even though what someone had done was not right, to them the police was still worse."
First steps toward change
Faced with this combination of high crime and mistrust, and fearful of the possibility that San Mateo County authorities would remove the city's autonomy unless it managed to provide for its residents' safety, City Council officials and police reached for a solution — and found one in community policing, a philosophy that emphasizes cooperation between police officers and the people they protect.
"Little by little … the chief of police [became] more visible in the community," Abrica says. As a first step, the police divided the city into sections and set up meetings at which residents from each area could raise their concerns with officers.
When current police chief Al Pardini took over the department, however, he implemented what was possibly the most significant change: walking around and getting to know people.
"One of the first goals that I really wanted to get the community working on was knowing who their police officers were," Pardini says. "There are only 36 of us in the city, including me, so there's no reason you wouldn't know us all by our first names."
In addition to attending community events and visiting schools, police officers began spending more time on the streets, talking to residents they passed and visiting them at their homes, according to Pardini.
"Public safety — some percentage of it is psychological," Abrica says. "It's how you feel. Do you feel that people are looking after you or not? … If the officer knows your name … especially in a small town, it's going to be a different relationship. It changes the dynamics."
"If the officer knows your name … especially in a small town, it's going to be a different relationship. "
— Ruben Abrica, vice mayor of EPA
Pardini has even extended this outreach to an unlikely group: Black Lives Matter.
"It was 15 months ago, July of 2016, when the Black Lives Matter was running very strong," Pardini recalls. "They had a meeting around the corner and invited us to it, so I came and spoke and [heard] what people had to say." At the end of the meeting, Pardini says, a group of young activists announced that they wanted to have a march. "I'm like, 'Okay, would you like us to go with you? March with you?' And they're like, 'Yes! We would.'" And so it happened that a group of police officers accompanied local Black Lives Matter activists in their protest.
Joining forces
As police officers became more accessible, community members increasingly cooperated with the police, and crime began to drop.
"One of the things I noticed when I first got here was the tip line — it didn't get a lot of activity," Pardini says. "But as time went on and I was out meeting people and they were meeting the officers …[calls] went up about 70 percent."
Witnesses who initially called anonymously began to reveal their names. In fact, according to Pardini, after a serious assault case in January of this year, so many witnesses wanted to give statements that the police department had to call in more units to the scene.
Both Abrica and Pardini associate this newfound police-community cooperation with the city's astonishing decline in crime. According to the Palo Alto Weekly, the city's violent crime rate dropped by 64 percent between 2013 and 2014, and crime has continued to decline at a rapid pace since then, leading to a 35-percent reduction in 2016 and this year's notable lack of homicides.
But while Abrica and Pardini both dismiss gentrification and changing demographics as significant factors in this change, some East Palo Alto residents point to those shifts as the reason behind the decline in crime.
"I think it would just be higher incomes [driving the decline]," says Allison Salinas, a resident of East Palo Alto and a junior at Paly.
Salinas and junior Brianna Moreno-Alcocer agree that the demographic makeup of their city has changed, and they share the concern that gentrification could eventually undermine progress in crime reduction by creating a class of unemployed, homeless, and frustrated former residents.
Looking back, thinking ahead
Residents and public officials alike can agree on one thing: As crime has declined, daily life has undergone a transformation, becoming safer, easier and more comfortable.
Salinas says her parents have grown less fearful and allowed her greater freedom. "They're a lot less protective about … me walking by myself," she says. "Before … they wouldn't even let me go out at all, like not even for the ice cream man."
Abrica and Pardini have witnessed a similar transformation; Abrica has seen the city's parks fill with people, while Pardini regularly speaks with residents who have begun to walk their dogs in the evening — something they were once afraid to do.
"It feels more like a community," Salinas says. "You can literally strike up a conversation with anybody, like the people at the bus stops and the people at the cart for chicharrones and chorizos."
Though residents and their representatives agree that the city still faces significant problems, everyone seems willing to take a moment to celebrate the past years' victories and look at their revitalized city with pride.
Ruminating on the ways in which daily life here has changed, Abrica brings up the National Night Out, an event in which residents block off streets and spend time outside with neighbors and emergency personnel. To him, this yearly celebration encapsulates the city's progress.
"There's something magical about closing off a street and being right in the middle of the street, a party going on, and the police come by, and the kids run off and get in the police car," Abrica says. "[It's] another way of feeling a little more safe — that you can just be out there."


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Parliament is scheduled to hold an emergency meeting on friday.
Reports state that parliament will be holding this urgent meeting according to a notice issued by the President under the Public Security Act in order to obtain approval for several gazette notifications relating to waste management.
Plans have been made to present to parliament ,the gazette notification on requiring waste disposal services to be a compulsory service.
This will be taken up for debate and approval on Friday.
President Maithreepala Sirisena issued a gazette notification recently, making garbage disposal and management services an essential service implemented by provincial council institutions.
Further discussions are to be held regarding the matter this morning at the party leaders meeting.


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August 4, 2019
12 Beautiful Seaside Towns in the Caribbean
It's impossible to resist the siren call of the Caribbean (and let's be honest, who would try?). Soak up the sun lying on the soft island beaches, explore the underwater coral forests and diverse marine life, get to know the locals, and discover some well-kept island secrets. For a holiday spent in paradise, check out our top 12 Caribbean seaside towns.


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Hi Everyone,
DRS Designs is getting ready to release some great stamps for the Halloween holiday and I'm featuring the new Witch Feet (140H) on my card today. A witch is such a classic Halloween costume, but I never dressed up as one when I went trick or treating as a child. Ragged black clothes and a green face, just wasn't my thing. And it's still not. See her orange dress and glittery, purple boots? Who says a witch can't be fashionable...lol.
The image was die cut and layered onto a background made by randomly stamping the Empty Spider Web in black ink. I added a die cut spider, a few orange half pearls and The Witch is Always In greeting to complete it.
Sadly, it's rare for me to dress up anymore. Maybe I need to consider getting an outfit like this :) What about you? Do you still dress up for Halloween?
Thanks for stopping by!


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Capital works as a cushion against losses and as protection for members when a credit union is experiencing financial instability. Therefore, a credit union's level of capital is a valuable measurement of its financial fortitude. When looking at safety and soundness, more capital is better.
VERMONT VA received a score of 10 out of a possible 30 points on our test to measure capital adequacy, failing to reach the national average of 15.65.
VERMONT VA appears to be on less solid financial footing than its peers in this area, with a capitalization ratio of 10.00 percent in our test, worse than the average for all credit unions.
Bankrate uses this test to estimate the effect of problem assets, such as past-due mortgages, on the credit union's reserves set aside to cover loan losses, as well as overall capitalization.
Having extensive holdings of these kinds of assets means a credit union could eventually have to use capital to cover losses, shrinking its buffer of equity. It also means that there are likely to be many assets that are in non-accrual status and thus aren't earning money, resulting in lower earnings and potentially more risk of a future failure.
VERMONT VA exceeded the national average of 38.09 on Bankrate's test of asset quality, racking up 40 out of a possible 40 points .
A below-average ratio of problem assets of 0.00 percent in our test was potentially indicative of superior financial strength compared to other credit unions.
How successful a credit union is at earning money has an effect on its safety and soundness. Earnings may be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, VERMONT VA scored 2 out of a possible 30, less than the national average of 10.11.
VERMONT VA had an earnings ratio of 0.00 percent in our test, higher than the average for all credit unions, suggesting that it's outperforming its peers in this area.
Bankrate.com's Safe & Sound Ratings provide a star rating system to evaluate the current financial status of financial institutions. The information gathered about banks, credit unions and thrifts is updated as set forth in the Terms of Use of Safe & Sound Ratings and Reports. The Safe & Sound Ratings information is grouped by categories of banks, thrifts and credit unions.
Bankrate.com evaluates the financial condition of institutions and assigns a one- to five-star rating for each with five stars representing the highest rating. Institutions with satisfactory performance will generally receive a rating of three or more stars. The majority of institutions fall into the three- to four-star range. An institution with an "NR" rating may be too new to rate or may have limited the publicly available information in their regulatory filings. The "NR" is not an indication of financial strength or weakness. The Safe & Sound rating is believed to be reliable, but the information is not guaranteed. In addition, events since the information was collected may have altered the institution's financial condition.


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Hard Target458
After an assassination attempt on the president-elect, the OPSIG team is on the hunt in this "terrific thriller" from the USA Today –bestselling author (Lee Child).Hard Target by Alan Jacobson is a ticking time bomb that will keep you clinging to the edge of your seat . . . and turning the pages. An explosion pulverizes the president-elect's helicopter on election night. It soon becomes clear that the group behind the assassination attempt possesses far greater reach than the FBI Joint Terrorism Task Force has yet encountered—and a plot so deeply interwoven in the country's fabric that it threatens to upend America's political system.
Product Details
|Open Road Integrated Media LLC
|Publication date:
|OPSIG Team Black Series , #2
|Sales rank:
|Product dimensions:
|5.50(w) x 8.30(h) x 0.50(d)
About the Author
Alan Jacobson is the national bestselling author of the critically acclaimed FBI profiler Karen Vail and OPSIG Team Black series. Jacobson's years of extensive research and training while embedded with federal and local law enforcement agencies have influenced him both personally and professionally, and have helped shape the stories he tells and the diverse characters that populate his novels.
Read an Excerpt
Hard Target
By Alan Jacobson
OPEN ROAD INTEGRATED MEDIACopyright © 2012 Alan Jacobson
All rights reserved.
ELECTION NIGHT November 7
Everyone dies, it's just a matter of when. But Glendon Rusch, vice president of the United States, had always figured it would be a distant occurrence—three or four decades in the future. He had no way of knowing the events that would prove godlike in their finality were a mere three or four minutes away.
The Sikorsky VH-3 helicopter, one of only a dozen in the executive transport fleet out of Quantico, chopped its way through Virginia air space. Inside, in the relative quiet of the custom outfitted cabin, Rusch tapped his right foot, staring ahead at his wife, Macy, wanting the time to dissolve away like grains of sugar in hot coffee. Because the sooner the minutes passed, the sooner he'd know if his grueling two-year run for president would be the crown jewel in his career ring, or a nine hundred million dollar faux diamond.
"Too close to call," Rusch was told as they lifted off. But what the hell did that mean? He needed to talk with his campaign director. Just how close was "too close to call"? Was that statistical jargon for "It doesn't look good, but we're not mathematically eliminated"?
Rusch stole a glance at Macy's watch: could the last forty minutes have made a difference? He looked at the cabin phone ten feet away, willing it to ring. But would it bring good news or bad? He closed his eyes and let his head rest against the seatback. Stop obsessing.
Fatigue was dragging at every body part, trying to pull him into defeat. Like gravity, he fought it unconsciously, not permitting the lack of sleep and his weary mind to darken his thoughts. He needed to shift his attention elsewhere, if only for a moment or two.
Rusch looked at his daughter, Kelsey, who was strapped into seat number three to her mother's left along the cabin wall. She was staring with longing eyes at Sam Washburn, the Special Agent-in-Charge of the vice president's Secret Service detail. Washburn was a hunk, or so sixteen year-old Kelsey had said, and she had a crush on him. Rusch cleared his throat and caught his daughter's attention. He raised a disapproving eyebrow and tilted his head. She rolled her eyes in response, her face shading red as she turned away.
Rusch shared a smile with Macy. He remembered when Kelsey was only a newborn bundle wrapped in a drawstring nightgown, sleeping in his arms. Time passed much too quickly.
And yet, in times like these, it passed much too slowly.
The cabin phone rang. Rusch's heart rate surged.
Sam Washburn, a veteran of the executive detail and several election cycles, knew the importance of the call. He unbuckled and snatched up the handset, listened a moment, then handed the receiver to Rusch's senior campaign aide, Chris Sawyer.
Sawyer nodded and grunted, his eyes darting around as he digested the information being relayed to him over the phone. His gaze found Rusch, the aide's poker face giving away nothing— but his shoulders slumping slightly. Finally, he hung up the phone and said, "The polls are just about closed in Washington, Arizona, and California. And CNN's calling it." He waited a beat, then said, "We're in!"
Rusch closed his eyes and sighed relief. Macy took his hands in hers and squeezed. Rusch knew that of everyone on board, his wife was the most proud of him ... with Kelsey a close second. He absorbed the moment, surrounded by those he loved dearly and who loved him, and he realized it didn't get any better than this. He blinked away the tears and found his voice.
"How long till touch down?" Rusch said, forcing the hoarse words from his throat.
"Five or six minutes," Sawyer said. "Big crowd waiting for us."
"Then where's that champagne? Pop the damn cork."
Sawyer snapped his heels together and sprung into a mock salute. "Yes sir, Mr. President."
Macy, seated across from her husband, leaned forward and wiped at his tears with a thumb. She spoke close to his ear: "I guess I'll find out tonight what it's like to sleep with the President of the United States. Not many women can make that claim."
"Probably more than you know," Rusch deadpanned, then planted a kiss on her hand. He leaned back, then blew a kiss to Kelsey as Sawyer ripped the foil from the Dom Perignon. With an audible pop, the cork exploded upward, frothy suds fizzling out of the bottle and crawling over Sawyer's hands like ocean foam. He stepped back to keep the champagne off his Allen Edmonds wingtips, then lifted the bubbly for everyone to see. "To Glendon Rusch, President of the United States!"
Sawyer reached forward to pour Rusch's glass, but the helicopter lurched hard to the right and the bottle flew from his hand. It shattered against a bulkhead, shards and spilled champagne showering the floor.
"What the hell was that?" Rusch shouted, his hands gripping the thick armrests.
But before anyone could venture a guess, a thunderous explosion blew the armored chopper aside like a plastic toy. Sawyer slammed into Washburn and the two men fell in tandem. The Secret Service agent tried to push Sawyer aside, but their tangled legs kept him buried beneath the man's weight.
A bright flash caught the edge of Rusch's peripheral vision. Through the window to his left, the blinding flare of the pulverized escort helicopter's flaming debris accelerated toward him.
"Sweet Jesus!" Rusch instinctively recoiled, bracing for impact.
The wreckage slammed against the VH-3, ripping a hole in the cabin's metal skin. The helicopter rotated out of control in a dizzying elliptical orbit, whipping its occupants about like an amusement park ride. The force dislodged the sprawled Sawyer and flung him into the wall like a rag doll—along with everything else that was not secured.
Glass from the demolished window littered Macy's bleeding face, her head flopping from side to side against the firm, upholstered seatback. "Macy ... honey!" Rusch grabbed her wrist and gave a gentle tug. "Macy!"
She did not respond.
Kelsey. Her voice was barely audible over the wind and rotor noise, which was now deafeningly loud. Rusch turned toward his daughter, whose eyes were flushed with terror. Her thick auburn hair whipped fiercely in the violent wind. Straining against his seatbelt, Rusch reached forward and to his right, across the debris that littered the floor. "Sweetie—take my hand!"
Rusch knew the VH-3 was designed for maximum crash survivability, but logic told him that at five thousand feet, human flesh and bones in a free-falling metal coffin faced longer odds than he wanted to admit. What's more, there were only two crashworthy seats. And he and his wife occupied both of them.
Washburn's black suit jacket flapped furiously against his face as he wrapped a bloody arm around the adjacent bulkhead, desperately trying to right himself.
Despite numerous attempts, Rusch could not get hold of Kelsey's hand. He turned back to his wife, whose neck and shoulders were visibly soaked with blood.
"Macy, can you hear me? Answer me!"
Other than involuntary jostling, she did not move. He again twisted toward Kelsey and stretched as far as he could, but he still could not reach her. Waves of nausea began racking his intestines. He fought the urge to vomit as he reached down to his seatbelt and struggled with the buckle. But the stress of the moment—or the violent movement of the helicopter—made the simple task of releasing the clasp instantly complex.
Washburn was suddenly in front of him. "Do not remove your seatbelt, sir!"
"My daughter—"
"Her belt's secure," Washburn shouted over the din. "She's fine." Washburn grabbed hold of the two arms of Rusch's chair to keep himself from tumbling out the gaping hole in the side of the cabin. His face was inches from the president-elect's.
"Get me out of this damn seatbelt, Sam." Rusch continued to struggle with the latch. "Now!"
"My orders are to ensure your safety—"
The chopper lurched again, and a cold flash of air blasted against Rusch's face. The rotor blades roared louder, then the cabin went black. A red emergency light snapped on, but in the dizzying spin, Rusch could not steady his vision long enough to make out what was happening. One thing was clear, though: Washburn was no longer in front of him.
In the dim light, Rusch could barely see the outline of Macy's still body. Uncontrolled grief struck him in the chest like a powerful blow, evacuating his breath like a vacuum. As he turned toward Kelsey, fire exploded into the cabin. Intense heat seared his cheeks. He instinctively threw his hands up to shield his face, a pain unlike anything he'd ever experienced enveloping his fingers and arms.
Flames sprouted all around him, licking at the spilled champagne along the floor.
Rusch saw Washburn in the fire's flaring light, his feet suddenly ablaze. The Secret Service agent stumbled backwards as if practicing an awkward dance step, arms flailing the dead air. And before the scream could leave his throat, he was gone, sucked through the jagged opening that used to be the cabin wall.
The rumble of another blast rocked the helicopter. Angry flames devoured the interior. Like a runaway elevator, the craft was suddenly free-falling, and Rusch once again reached for his daughter's hand. But she wasn't there.
Her seat—along with that section of the bulkhead—was gone.
A MAN DRESSED IN A BLACK leather jacket sat on a motorcycle, its muffled engine purring quietly. Somewhere off in his thoughts, Alpha Zulu was aware that the surrounding brush and field straw could ignite against the searing heat of his bike's exhaust pipes. But none of that mattered. At this point, nothing would sully their plans. They were well past the point of turning back.
Zulu checked his chronograph, then strapped a panoramic night vision device over his eyes. Seconds later, he located his target. The chopper was rocking from side to side and flying erratically, spinning uncontrollably as it fell from the heavens. He yanked the light amplification unit away just as a white flash brightened the sky.
Zulu rooted a tracking device from his pocket and followed a blinking red light as it coursed the grid.
"Acquired the target," he said into his helmet-mounted encrypted two-way radio.
"Copy that," came the response.
The man seated behind him with his Timberlands curled over the rear footrests tapped him on his right shoulder. Time to go.
Zulu kicked the motorcycle into first gear as the VH-3 dropped from the lifeless night sky like a shot pheasant—a fiery, dying hulk heading for its final resting place.
Federal Bureau of Investigation Washington Field Office – WFO 601 4th Street NW Washington, D.C.
FBI Supervisory Special Agent Aaron Uziel drummed his fingers on the armrest of his boss's guest chair. The office was finished with tan paisley wallpaper, walnut furniture, and a floor-to-ceiling, wall-to-wall entertainment cabinet. Playing across a forty-six-inch LCD television was ABC News Election Center, their pundits and anchors debating the latest presidential precinct tallies.
Uziel—"Uzi" to his colleagues and friends—stared vacantly at the images scrolling across the screen. A few moments earlier he had pulled his tired body out of the chair to lower the volume so he didn't have to listen to the repetitive drone of newscasters and so-called experts spinning their party's take on the evening's results.
He ran the back of his hand across the black stubble that had accumulated on his face since this morning. His wife had always said it gave him a rugged look, and with the sharp, pleasing angles of his face, he had to agree. He never had difficulty getting a date as a young teen, and the lingering stares he got as his face and lean body matured only numbed him to all the attention. But in the past several years, his face had lost its boyish good looks. Lines crisscrossed his forehead like roads on a street map. Stress lines were one thing: live long enough in today's type-A lifestyle and they accumulated like larvae on a corpse. But his were pain lines, formed from grief and deep-seated sadness ... constant reminders of past tragedy. As if Uzi needed physical reminders. The emotional torment was enough, and it never gave him much of a reprieve.
The door swung open and Marshall Shepard lumbered in. Despite the relentless pressure that accompanied the assistant special agent-in-charge position, Shepard's ebony skin was the polar opposite of Uzi's: nearly wrinkle-free. His graying temples and creeping hairline were the sole overt signs of middle age. Shepard paused in front of his desk chair and removed his suit coat with a flourish, then draped it over the seatback.
"Well," Shepard said, "you pulled a real freakin' doozie this time, Uzi."
Uzi rubbed at his dark eyes with a finger. "Are you trying to be funny, or do you always rhyme this late at night?"
Shepard sat down heavily. The large chocolate brown leather chair groaned. "Serious heat's coming your way."
"I'm surprised it took this long."
Shepard massaged his temples. "My life just got a whole lot more complicated. Thanks a freakin' bunch."
"Look," Uzi said, shifting in his chair and pulling himself upright. "I did what I thought was right. Osborn— What he did was dangerous. It wasn't a little thing, Shep, it was big-time shit. And you know it. Could've gotten innocent people killed. It wasn't the first time."
Shepard waved a hand. "Yeah, I know the speech—"
"It's not a speech." Uzi was leaning forward now, his brow hard. "I did what was right, what I hope every agent would do if he or she was faced with the same situation." He paused, leaned back, then continued. "It was the right thing to do. I get paid to do a job and I did it."
"You don't get paid to rat out a colleague."
Uzi snorted. "You think I should've kept my mouth shut?"
Shepard looked away. "From my seat, you did the right thing. I just wish ... I just wish it never happened. It's bad all around."
Uzi gave a conciliatory nod.
"I'm leaving him on the job. For now. You'll have to deal with that."
"Your decision. You're the boss."
Shepard shook his head. "You know I'd go to the end of the Earth for you, man. But some things I can't protect you from."
Uzi's eyes narrowed. "I don't need your protection. I can take care of myself."
Shepard rested two beefy elbows on his desk. "That's never been an issue. But this is different. It's not a criminal with a gun or a terrorist with a bomb ... This is an enemy different from anything you've ever dealt with. The enemy's your own unit, and they're pissed as hell. They may never forgive you. You've gotta be prepared for that. That's a lot to deal with, on top of, well ... you know."
"Not like I'll ever forget."
Shepard looked down. A moment of silence passed, then he asked, "And that brings me to why I wanted to meet with you. Whatever happened with that shrink?"
Uzi let his eyes wander to the television screen. "Stupid talking heads. None of 'em predicted such a close election. Not one of them."
"You never saw her, did you?"
Uzi tilted his head. "President Glendon Rusch. Has a ring to it, don't you think?"
"It'd be a good idea, especially because of what's happened. The shrink can help. Your plate's been full, and this Osborn thing's only going to make it ... fuller."
Uzi tore his gaze from the television. "Thanks for the cliché. And for the advice."
"Here's the thing, Uzi. It's not advice. Not this time. It's mandatory. If you want to remain in Washington. If you don't, then it'll be up to your new ASAC to determine what should be done."
Uzi's eyes widened. "Shep, don't do this to me—"
"Your macho side doesn't want to spill your guts to a woman, fine. You want someone closer to home, fine. No excuses this time."
"Shep, please—"
"You should be thanking me for circumventing an EAP," Shepard said, referring to the FBI's in-house Employee Assistance Program that required a counselor to talk with an agent before sending him to a psychiatrist. "Besides, you did it to yourself. I'm just trying to keep my people happy. And right now they're not very happy. You need to get some help and I need to keep things under control. Control's important right now. For your sake."
Uzi bit his lower lip.
"I've got someone else for you to see."
"You'd really transfer me if I don't see a shrink?"
"And by see him, I mean actually go. Talk to him, work with him. For as long as he sees fit."
"What about what I think?"
"I've cut you a lot of slack the past few years, Uzi. I've given you a lot of leeway in how you run your unit. Time's come for you to do it my way."
Uzi looked away.
"Way I see it, you ratted out Osborn because what he did struck too close to home. He reminds you of yourself. That's it, isn't it?"
Excerpted from Hard Target by Alan Jacobson. Copyright © 2012 Alan Jacobson. Excerpted by permission of OPEN ROAD INTEGRATED MEDIA.
All rights reserved. No part of this excerpt may be reproduced or reprinted without permission in writing from the publisher.
Excerpts are provided by Dial-A-Book Inc. solely for the personal use of visitors to this web site.


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A holographic technique used to fabricate three-dimensional photonic crystals with a two-beam interference method is presented. In the optical setup of fabrication one beam is incident on the recording plate in the direction of the plate normal and the other beam with an angle to the normal. Three exposures were taken. Between each exposure, the recording plate was rotated 120° on axis until three exposures were completed. Good three-dimensional lattice structures have been obtained. Theoretical analysis, computer simulations, and experimental results are presented.
© 2006 Optical Society of AmericaFull Article | PDF Article
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The Unknown and Unregulated Gray Market
Customers today are generally aware about the ubiquity of the counterfeit goods trade, unbeknown to most, however, is the gray market, a term used to describe the sale of authentic goods through unauthorised channels. These infractions constitute complex offenses and are difficult to control, which is why gray market trade remains unregulated in many parts of the world.
Typical gray market infractions include selling products that were only meant to be sold at specific shops, through other outlet points such as online platforms or at market stalls and reselling products in other geographic zones than the ones intended and authorised by the brand owner. The latter is referred to as a parallel import and is an extremely common offense.
Parallel imports are lucrative ventures for criminals as the prices of most products vary greatly depending on the country in which they are sold. A lot of products are also sold exclusively in some regions or countries, despite there being high demand for them in other markets, meaning vendors can mark up the prices of these goods and make considerable profits.
The danger, however, lies in the reasons behind a product only being intended for a certain market. Variations in safety standards as well as laws and regulations can make some products outright dangerous for markets where the brand owners have not wished to sell them.
Consumers should take caution when considering purchasing products that are abnormally underpriced as this is a tell-tale sign that it could be a gray market good.


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Insectaclear D Strong Flea Killer Insecticide 5ltr
Insectaclear D Strong Flea Killer Insecticide 5ltr is suitable for a whole house treatment for killing and getting rid of cat and dog fleas.
Apply to carpets, furnishings and hard surfaces to eliminate problem fleas.
5 litres Insectaclear D Strong Flea Killer will cover up to 120 square metres.
Ready to use professional grade product to eradicate cat and dog fleas, it stays active for up to 4 weeks after the initial treatment to continue exterminating cat and dog fleas in the home or business.
Please note that only the D Formula [ not the C Formula ] that is powerful enough to kill an stop these blood sucking insects.
You need to flea treat your cat or dog with a suitable flea treatment available from the vet or chemist.
Next day delivery
Our price includes VAT
In Stock.