text:
The Trust Manager is Canada Penfund Mortgage Corporation. Incorporated in British Columbia in 2000, it is registered as a Mortgage Broker under the Mortgage Brokers Act of British Columbia and is regulated by the Financial Institutions Commission of British Columbia. It is a mortgage investment and management company with its principal office in Victoria, British Columbia. Its Ministry of Finance number is XO27006 MMB.
Since the 1970's, Trust Manager officers have invested and managed many billions of dollars in commercial mortgage capital on behalf of major financial institutions, including life companies, trust companies, brokerages, banks, pension funds, credit unions and private investors.
Timothy Tuttle is President of Canada Penfund Mortgage Corporation. He has worked in commercial mortgage finance since 1978 and for twenty years prior to Canada Penfund he held various institutional executive positions including two national life insurance companies in mortgage banking as Regional Manager and Vice President. Mr. Tuttle has underwritten and administered mortgage transactions in the many billions of dollars. He has vast experience in the real property investment field and has been involved in every aspect of it. He is widely known and devotes his full attention to the Pendfund Trust He is a graduate of the University of Alberta and is licensed and registered with the Financial Institutions Commission of BC as the Principal Broker for the Manager. He is a registered Exempt Securities dealer and has completed the Chief Compliance Officer and Officers, Partners and Directors courses. He has been involved extensively in high level athletics and coaching.
Mr. MacLean was a senior executive in Canada's largest life insurance company over at 32 year career in commercial property finance and appraisal. He has underwritten and serviced commercial loans in the several billions of dollars. He holds an AACI designation and served for years as Director and Chairman of the Provincial Association of the Appraisal Institute of Canada. He holds a Certificate in Real Estate Finance from the Real Estate Institute of Canada and was a licensed property manager and agent in Alberta. He is an experienced analyst and lecturer and has formulated spreadsheets and other data systems now widely used in financial and real property analysis and lending. He has been a professional athlete and is an outdoorsman.
*denotes retired status
Since 1982, Mr. Smethurst has worked as an executive officer of three nationally based financial institutions in Toronto, Montreal and Vancouver. He led teams in mortgage underwriting and administration for life insurance and trust companies, chartered banks and has acted for pension funds. He is widely known and has broad knowledge in real property analysis and loan securitization. He has conducted extensive NHA mortgage-backed securitization and has directed the investment of several billions of dollars in mortgage securities. A graduate of the University of British Columbia, he was accredited the AACI designation by the Appraisal Institute of Canada in 1976. He has been a high level athlete competing at the provincial level.
*denotes retired status
Jennifer Carson has been Manager of Administration of Canada Penfund Mortgage Corporation since 2014 and has contributed vastly to the development of the Pendfund Income Fund I Trust. She holds a Bachelor of Science from the University of Victoria and is a graduate of the Broker Licensing Certification Program from the University of British Columbia and is a registered mortgage broker licensed by the Financial Institutions Commission of BC (502535). She has also completed the educational requirements by the British Columbia Securities Commission to be an Exempt Market Dealing Representative. She is a professional vocal artist, has competed provincially and nationally in various sports and is an active volunteer and minor league hockey coach.
Pendfund Income Fund I is governed by a Board of Trustees. Board members are encouraged to invest their own, their corporate and families' capital into the Fund. Trustees have ultimate oversight and will aid in the review of matters for the Fund which are related to their field of expertise.
The Board sees each new loan case prior to funding, adding to consistency with lending policy. Each Board member has access to files and documentation related to the Fund and is bound to act according to its professional Code of Ethics.
Timothy Tuttle is the Chairman of the Board of Trustees for Pendfund Income Fund I. He has worked in commercial mortgage finance since 1978 and for seventeen years prior to Canada Penfund, he held executive positions with two national Life Assurance companies and in mortgage banking as Regional Manager and Vice President. Mr. Tuttle has underwritten and administered mortgage transactions in the many billions of dollars. He has vast experience in the real property investment field and has been involved in every aspect of it. He is widely known and devotes his full attention to the Pendfund Trust. He is a graduate of the University of Alberta and is licensed as the Principal Exempt Market Dealer with the British Columbia Securities Commission and members of the Canadian Securities Administrators.
Mr. MacLean was a long term senior executive in Canada's largest life insurance company in a 32 year career in commercial property finance and appraisal. He has underwritten and serviced commercial loans in the several billions of dollars. He holds AACI designation and served for years as Director and Chairman for the Provincial Association of the Appraisal Institute of Canada. He holds a Certificate in Real Estate Finance from the Real Estate Institute of Canada and was a licensed property manager and agent in Alberta. He is an experienced analyst and lecturer and has formulated spreadsheets and other data systems now widely used in financial and real property analysis and lending. He has been a professional athlete and is an outdoorsman.
Richard Bailey is a licensed Chemical Engineer. He conducts environmental audit, engineering and remediation on real property across Canada. He has acted for Canada Customs and Revenue Agency in the completion of over 70 projects and is an expert in alternative sustainable fuels. He is an executive officer in various research firms and technology consultant to Sustainable Development Technology Canada and to the Natural Science and Engineering Research Council. He has designed and conducted environmental audits on oil refineries and is a member of the Association of Professional Engineers, Geologists and Geophysicists and Professional Engineers and Geoscientists. His contributions to the industry are internationally recognized. Mr. Bailey watches environmental matters for Pendfund Income Fund I.
Mr. MacPherson is a founding partner of MacPherson Adams, a Chartered Accounting firm operating in Victoria, B.C. since 1980. He carries on a practice in accounting and audit, corporate and personal taxation, acquisition and divestiture structuring, strategic planning and management consulting. Bill is a member of the Institute of Chartered Accountants of British Columbia. He earned his Bachelor of Commerce in 1976 from UBC and a Chartered Accountant designation in 1979 while in the employ of Price Waterhouse. He is active in various causes in the community, has competed nationally in amateur golf and badminton and has been active in coaching in amateur sports.
Dawson Mullin is a leading real estate and mortgage lawyer based in Victoria, British Columbia. Upon graduating from the University of Victoria, Mr. Mullin completed a Juris Doctor from Australia's Bond University. In 2011, he established Dawson Mullin Law, a firm specializing in the purchase and sale of real estate assets, banking and mortgage lending. The firm acts for major banks, credit unions, institutional and other lenders in British Columbia and his practice has grown to be one of Victoria's busiest and most industrious. He was a competitive athlete in the sports of soccer and karate and when not working, spends his time with his growing family.
Since 2000, Mr. Cox has been a senior partner with Witten LLP, an Edmonton Law Firm which carries on a national practice focusing on commercial development, secured lending transactions on behalf of major financial institutions, creditors' rights, collections and landlord tenant law. His practice focuses on commercial real estate, commercial lending, business law and estates. He has been active in charitable and conservation-based organizations including Trout Unlimited, Ducks Unlimited and athletic clubs, and is a past president of an Edmonton Ski Club. He was a top-level downhill ski racer, coach and a ranked tennis player. Mr. Cox is a graduate of the University of Alberta and was awarded the title of Queen's Counsel in 2002.
S. Frank B. Carson, Q.C. has been a partner in the law firm of Cox Taylor , located in Victoria BC since 1983 and practices business and real estate law. He has acted as legal counsel for several Provincial Government ministries, Crown Corporations and other institutional private sector clients. Mr. Carson was appointed to the Vancouver Island Health Authority's Board of Directors in November 2010 and is involved with family businesses in Greater Victoria and the Lower Mainland. Previously a municipal councillor with the District of Oak Bay for 12 years, Frank's commitment to the community is reflected in his involvement with numerous boards and committees including the Queen Alexandra Centre for Children Foundation, the City of Victoria Police Board, Oak Bay Heritage Foundation, Greater Victoria Labour Relations Association and the Greater Victoria Library Board. He is a versatile athlete and represented British Columbia and Canada in the game of rugby.
Del Elgersma is a founding partner of Beacon Law Centre, and practices in the areas of real estate, business law, estate planning and trusts. Del has served as Chair of the Victoria Wills & Trusts Section of the Canadian Bar Association and as President of the Saanich Peninsula Chamber of Commerce. He currently serves as a provincial appointee to the Central Saanich Police Board, and as a director of Pacific Christian School. Del is a graduate of UBC Law School and was called to the bar as the province's youngest lawyer in 1992. He has since practiced in Vancouver and Victoria in the service of varied institutional and private clients. Beacon Law has 3 locations in Victoria and was awarded Business of the Year by the Saanich Peninsula Chamber of Commerce. Outside of work, Del is a competitive swimmer and triathlete and spends time with his family.
Kim Ho is a Partner with Thorsteinssons LLP Tax Lawyers. Mr. Ho received a B.A. (Honours) in economics from Queen's University and an LL.B from the University of Victoria. While attending the University of Victoria, he was awarded the 2008 Stikeman Elliot/Carswell National Tax Award, the British Columbia Superior Court Judges Scholarship and the President's Scholarship. Kim is a member of the Canadian Tax Foundation and the Taxation Law Section of the Canadian Bar Association. He was called to the British Columbia bar in 2010.


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Welcome to the GCN Racing News Show – this
week, we talk through the winners and losers from the first week of the Tour de France,
including some really cool power stats from TrainingPeaks. Plus, there's a dominant performance as
the Giro Rosa hits the Zoncolan and a week of wins for Bahrain Merida at the Tour of
Austria. It's been a dramatic first week of the Tour
de France, we've absolutely loved bringing you daily highlights on Facebook, and as we
hit the first rest day, we thought we'd go through some of the winners and losers
from the first 9 days. Before that though, we want your opinion on
the cobblestones – do they have a place in the Tour de France, yes or no? Take the poll at the top of the screen and
give your reasoning in the comments, we'd love to hear your thoughts. Entertainment at it's best, or simply too
dangerous? Anyway, we'll start with the sprinters – in
our Tour preview show Si and I talked about a possible changing of the guard in this regard,
and so far that looks to be the case. 2 wins a piece for 23-year-old Fernando Gaviria
and 25-year-old Dylan Groenewegen – they've clearly been the fastest in the race so far. Meanwhile, the trio of riders who have been
the dominant force in sprinting for the last 10 years, Cavendish Kittel and Greipel, have
arrived at the first rest day with virtually nothing. Greipel has fared best, with a 3rd place on
stage 4, and he would have been 2nd on stage 8 had he not been relegated. Kittel also managed a third place on stage
one but has been struggling since, whilst Cavendish has clearly been a long way from
his best. So can we write the old guard off? No, not yet, but what's clear is that they're
going to find it hard to dominate as they did in years gone by, and there are only limited
chances for them. And then there's Sagan – what can you say
about this man that hasn't been said already? 2 stage wins, his worst result was 8th to
Mur de Bretagne, but he did still manage to put time into some of the world's top climbers. That means he has now raced 105 Tour de France
road stages and finished in the top 10 in 62 of them. Bonkers. One team and one rider have fallen into both
the winners and losers category are BMC Racing and Dan Martin. Starting with BMC, they have, in many ways,
had a stellar first week, perfect given that they still appear to be searching for a title
sponsor, but on the other hand, it's been bittersweet. They won the stage 3 TTT, putting Greg Van
Avermaet into yellow, which he has held ever since. He also got 2nd on the Roubaix stage, but
that was where their GC ambitions came unstuck – Richie Porte hit the deck before he'd
even seen the cobbles, breaking his collarbone and abandoning the race – he must be wondering
if he's ever going to fulfil his Grand Tour potential. Meanwhile, Tejay Van Garderen also crashed,
and although he didn't break anything, he lost over 5 minutes, and all hope in the GC.
Dan Martin, had a brilliant stage win – he'd previously finished 2nd on the Mur de Bretagne
after leaving his move too late 3 years ago, and he wasn't about to make that mistake
again – he attacked with over a kilometre to go and would never be caught, taking his
2nd career Tour stage win. But then it all went wrong on stage 8, where
he hit the deck hard and lost over a minute. On the positive side, he did look amazing
on the Roubaix stage and even took a bonus second en route. The ferocity of Martin's attack on the Mur
de Bretagne was highlighted when we saw some of the numbers from that stage on TrainingPeaks. We don't have Martin's power for the climb,
but we do have the file of Pierre Rolland. The Frenchman finished 35th on the stage,
a full 31s down on Dan Martin, and yet produced 505w at 67kg, or over 7.5w/kg for the 4 minutes
that it took him to complete the climb, including a first minute of the climb where he produced
over 9w/kg to stay in the group. Dan Martin is clearly a man on form. Another big winner from week one was John
Degenkolb, on that Roubaix stage. It was a really emotional win for John – this
was his interview after the stage. And not surprising that it was emotional,
and he almost made me emotional too. John was one of the riders was involved in
that horrific accident on a Giant Alpecin training camp early in 2016, and many had
speculated that he'd never return to his best. But in winning over the cobbles, it was like
coming full circle after his win at Paris Roubaix three years ago, and in turn it meant
that he has now won stages in all three of the Grand Tours. Well done Mr Degenkolb, you deserved that. The other big winner from week one has been
Geraint Thomas. The man who normally attracts bad luck has
managed to completely avoid it over the 1st 9 days and now sits in 2nd place overall,
the best of the GC prospects. It's certainly going to be interesting to
see how this dual leadership dynamic plays out at Team Sky in the mountains – it's
hard to see a 4 time Tour de France winner accepting anything other than outright leadership,
but it's also hard to see Thomas sacrificing a decent buffer in the overall GC. Time will tell. Along with the winners and losers in the stage
win and GC hunt, we have Lawson Craddock – the American had the unfortunate honour of being
the very first rider to crash, on day one, breaking his scapula in the process. But, against all odds, he's still in the
race, and not only that, he's raised close to $100,000 for the Alkek velodrome in Texas
– it's stories like that which make you love the Tour de France. And let's not forget, he's riding the
race, WITH A BROKEN SCAPULA – he's hardly been able to get out of the saddle, but has
still had to produce some impressive powers just to get through. Imagine the pain of riding 22km's of cobblestones
with that injury, AND averaging 249w for 3 hours 40 to boot. The hardest stage of the Tour de France so
far, though, purely in terms of power output, was the stage billed as the mini Ardennes
classic – stage 5 to Quimper. There, Lawson had a normalised power of 294w
for over 5 hours, with a TSS of almost 300. Before we finish with the Tour this week – have
you ever wondered what it's like to wear the Polka Dot jersey? Well, here's your answer, Kiwi Dion Smith
sent us this very cool diary. The race resumes tomorrow as we hit the mountains,
so make sure you head over to Facebook for our stage summaries there. We were also delighted to have highlights
of the Giro Rosa with Marty McDonald and our very own Emma Pooley, and what a race that
was. It was dominated by two teams, Sunweb and
Mitchelton Scott. In fact, every single rider on the Sunweb
lineup held a leaders jersey of some sorts on at least one day – that's quite a record! Mitchelton Scott, though, were just on another
level. After back to back sprint wins for Jolien
d'Hoore, Amanda Spratt took a commanding victory on stage 6 to Gerola Alta, taking
the leader's pink jersey in the process. However, from that point on, it became the
Annemiek Van Vleuten show. Her performance on the mountain time trial
was about as dominant as you will see, finishing almost two and a half minutes ahead of Ashleigh
Moolman Pasio in the space of 46 minutes. Interestingly she was one of the only riders
to opt for a time trial bike with climbing wheels, whilst most opted for a road bike
with deep section wheels. Marianne Vos took a popular win on stage 7,
and what I loved about that was just how exuberant she was in her celebration – this is a lady
who has won pretty much all there is to win in the sport of cycling, and yet that victory
clearly meant an enormous amount to her. And then the Van Vleuten show resumed as the
peloton tackled the Zoncolan, a horrific climb which I'm sure needs no introduction. Van Vleuten attacked Moolman Pasio with two
kilometres remaining to the summit, putting 40s into her by the top, and creating a virtually
unassailable lead in the GC, and netting herself 11th overall on the Zoncolan Strava segment. And then, she went and won the final stage
for good measure, just to cement her domination. A thoroughly deserved overall win for Van
Vleuten, who at 35, appears to be in the best form of her life. Talking of form, Emma showed us that she's
not only good at winning bike races but also good at predictions, qualities never before
seen here on the GCN presenter line-up. We shall finish with a brief look at the Tour
of Austria, a tough 8-day race which doesn't get the attention it deserves, coinciding
as it does with the Tour de France. It was a pretty amazing week for Bahrain Merida. Matej Mohoric outsprinted teammate Visconti
to win stage one, his first as Slovenian national champion, but Visconti himself went on to
win three stages in total. Their 5th stage win came courtesy of Antonia
Nibali. His situation almost mirrors that of the Tour
of Austria, in that his career is overshadowed by that of his brother Vincenzo, but stage
7 marked his first professional victory at the age of 25, and one that was clearly very
popular amongst his teammates. The team also finished 2nd overall with Herman
Pernsteiner, but they weren't able to topple Ben Hermans. The Belgian had won atop the Kitzbuheler Horn
on stage 3, and his Israeli Cycling Academy team defended the jersey admirably from there
to the finish. That's all for this week – next week we'll
be back with week 2 of the Tour, the BeNe ladies Tour, plus La Course by Tour de France,
a race that you'll be able to catch live on our Facebook page if you're in North
or South America, commentary coming from Marty McDonald and Dame Sarah Storey. Don't forget to head over to the GCN Shop
if you want to get into the July groove, there's a link on the screen right now. And down here, you can check out the 5 climbs
we are most looking forward to watching at the Tour this year.

subset: commoncrawl


text:
The challenge for Algeria though is colossal, with the countries sharing almost 1, kilometres of common borders.
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text:
Transport & parking
Visiting Parkville
The Women's is on the corner of Grattan St and Flemington Rd in Parkville (Melways Map 2B A7).
View a street plan showing the location of the Women's.
Wheelchair access is available at the hospital's main entrance on Grattan Street (Ground Level) and the Women's Emergency Care entrance on Flemington Rd (Lower Ground entrance).
If you plan to travel to the hospital by public transport, please check your travel route on the Public Transport Victoria website and allow any extra time needed.
Traffic changes during the construction of Parkville Station
From Friday 14 February to late March 2020:
- Grattan Street will be closed between Flemington Road and Elizabeth Street/Royal Parade.
- On weekends, the Elizabeth Street/Royal Parade northbound service lane will be closed from Grattan Street to just north of the Royal Melbourne Hospital and there will be additional lane closures in place on Elizabeth Street, Peel Street and Haymarket Roundabout.
From Friday 14 February 2020, for three years:
- Grattan Street westbound lanes between Flemington Road and Elizabeth Street/Royal Parade will be closed
- The right-hand turn from Royal Parade southbound lane into Grattan Street will be permanently closed to traffic.
Please plan ahead and allow extra travel time.
- For updates on construction of Parkville Station, visit the Metro Tunnel website.
Visit the Public Transport Victoria website to plan your trip.
Tram 19, Stop 10. North Coburg to Elizabeth Street, stops at the corner of Royal Parade and Grattan Street. Route details for Tram 19.
Tram 58, Stop 14. West Coburg to Toorak, stops at the corner of Grattan Street and Flemington Road. Route details for Tram 58.
Tram 59, Stop 14. Airport West to Elizabeth Street, stops at the corner of Grattan Street and Flemington Road. Route details for Tram 59.
Tram 57, Stop 19. West Maribyrnong – City / Flinders Street Station via Maribyrnong > Flemington > Nth Melbourne, stops at the corner of Flemington Rd / Royal Park / Royal Children's Hospital. Route details for Tram 57.
Visit the Public Transport Victoria website to plan your trip.
Bus 401 - North Melbourne Terminus in Ireland Street to the University of Melbourne via Parkville hospitals.
Bus 402 - between Footscray and East Melbourne via Parkville hospitals.
Bus 403 - between Footscray Station and University of Melbourne. Stops at Royal Melbourne Hospital.
Bus 505 - between Moonee Ponds and Melbourne University via Parkville Gardens. Stops on Royal Parade near Genetics Lane.
Bus 546 - between Heidelberg and Melbourne University. Stops at the corner of Royal Parade and Grattan St.
On weekends, the bus route 505 will not service The Royal Melbourne Hospital/Royal Parade stop. Passengers are advised to use the alternative bus stop at Morrah Street/ Royal Parade, located 250 metres north on Royal Parade
Information about the changed bus routes and current timetables are available on the Public Transport Victoria website.
There is a taxi rank in front of the hospital in Grattan St.
Car parking
Car parking at the underground car park of the Women's main building is for staff, patients and their visitors only.
The underground car parking is accessed from the Flemington Rd car park entrance.
There are dedicated spaces for visitors and patients and a small number of short-term (30 minute) parking spaces for pick-up and drop-off only at the Lower Ground Level, also off Flemington Rd.
There are a number of parking bays set aside for disabled visitors and patients on level B1. There is also a small area for pick-up and drop-off at the Lower Ground entrance.
For car park fees and hours of operation, go to Wilsons Parking.
Follow this link for more information about concession parking fees at the Women's Parkville car park.
Lifts lead directly to the main reception, outpatient services or private consulting suites. There are secure bicycle racks at the hospital's main entrance (Grattan Street) and the emergency entrance (Flemington Rd).
Limited street meter parking is available in streets surrounding the hospital.
Visiting Sandringham
The Women's at Sandringham Hospital is located at 193 Bluff Road, Sandringham, corner of Edward Street (Melway reference 76 K12).
View a street plan showing the location.
Wheelchair access is available at the hospital's main entrance.
Public transport
You can get to Sandringham by train and bus.
Bus number 600 (Melbourne Bus Link) and bus number 825 (Moorabbin Transit) stop near the hospital.
The nearest train station is Sandringham station. From the station, catch the Route 600 bus to the hospital. Contact Public Transport Victoria for more details on public transport options from your area.
Taxis can drop you at the hospital. When leaving Sandringham you can order a taxi using the free taxi phone near the Emergency Department entrance or in the Consulting Clinic. Please let the taxi company know if you are at the Consulting Clinic Reception, Main Reception or in the Emergency Department.
Car parking
The main entrance and the Emergency Department entrance are both on Bluff Road and offer free 10 minute only zones for patient drop-off and pick-up.
The main 24 hour car park is through the main entrance in Bluff Road. There are some free, 30-minute parking spaces at the front of the hospital.
Some areas are restricted. Please read signs carefully as infringement notices may be issued. Reserved parking is available for haemodialysis patients next to the Emergency Department. Fees are displayed at the entrance and you pay as you leave.
Designated disability parking is located just inside the entrance to the main car park and in front of the consulting clinic.
Related information
- Wilson Parking Royal Women's Car Park


text:
Tips on Choosing Cleaning Service for Your Business
Get the Best Clean for Your Buck: Choose the Right Office Cleaning Service
Did you know a clean, well-maintained place of business is critical to success? What customers and potential customers see when they walk through your door often creates a powerful impression, positive or negative. Sparkling offices enhance your brand, creating a sense of diligence, attention to detail, dependability, and effective management.
Smart business owners determined to stay on top of office cleaning understand the value of hiring a professional office cleaning service. The question is how do you know which company to choose? Cost is always a consideration, but basing your decision solely on outlay can be a mistake.
If you're searching for the right company for you, these tips on choosing cleaning service can help.
Research the Possibilities
Word of mouth can be one of your best resources, so ask around. Do neighboring businesses use a specific office cleaning service? Is one more popular than the others? Once you have the names of a few companies, dig deeper. Check the Better Business Bureau website for complaints and/or the Better Business Bureau Accredited seal.
Interview the Candidates
Now it's time to interview the top remaining candidates. Your interview checklist should look something like this:
- Is the company certified, licensed, and bonded? Ask to see proof.
- Do they carry insurance—again, ask to see documentation—that covers the safety of their employees, your employees, and your facilities?
- Does the company use green cleaning products?
- Is the company OSHA compliant?
- How much experience does the company have?
- Does the company conduct ongoing training for its employees?
- Will they provide written references?
- Can they design a plan and schedule that fit your needs?
- Will they be available in the event of an emergency?
- Who will manage your account, and will that individual serve as a point of contact for you?
- Does the company provide a reporting/review mechanism?
Get Estimates, Plural
At this point, it's time to talk cost. As a business owner, you know it always pays to get more than one estimate.


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Married Filing Jointly –
Child Age 26 Subsidies?
- My wife and I filed joint return, and the same for 2017. No dependent. If only one of the spouses has income, and we try to apply for Family Coverage on Covered California, are we going to be split into two different insurances?
***No it's all one qualification for subsidies your mandated to file jointly and two people at 28,000 would probably give you Silver 87.
Get a complementary calculation and benefits report or view the income chart, metal level page and enhanced Silver page.
I only get paid for helping you if you appoint me as you're covered California agent. They don't pay me a monthly salary just to put up this website.
2 One spouse with income qualifies to buy subsidized metal plan and the other spouse without income only qualifies for Medi-cal? Our line 37 will be approximately $28,000
***You qualify together your mandated to file jointly
3 ACA says you can keep your child under the family plan until he/she turns 26, but Covered California says a child cannot be included in the family plan unless he/she is claimed as a dependent on your tax. which one is correct?
***I guess you could put the child on the plan. But there won't be any subsidies for the child unless the child is on your tax return. Since you are asking me to explain the Jiggery Pokery that Covered CA tells you, don't you think it fair that I get paid?
Appoint us as your agent. No extra charge. Section 1301 a 1 c (iii) PPACA 42 U.S. Code § 18021 10 more reasons to appoint us.
There's really no point in putting the child on your plan just get the child their own coverage. Click here for quotes for your adult child.
If you have questions or comments, please post on our main Married Filing Jointly page or our dependents to 26 page.


text:
Young David, Assistant Professor
David Young
Assistant Professor
Department of Sociology
Research Interests
Sociology of the Media
Political Economy of the Media
Communications Policy
Research Methods
Ph.D., 1998, Department of Sociology, McMaster University
Selected Publications
David Young, "Ethno-racial Minorities and the Juno Awards." Canadian Journal of Sociology (October 2005).
David Young, "The CBC and the Juno Awards." Canadian Journal of Communication (Vol. 30, No. 3: 2005), pp. 343-365.
David Young, "The Promotional State and Canada's Juno Awards." Popular Music (Vol. 23, No. 3: October 2004), pp. 271-289.
David Young, "Discourses on Communication Technologies in Canadian and European Broadcasting Policy Debates." European Journal of Communication (Vol. 18, No. 2: June 2003), pp. 209-240.
David Young, "Céline Dion, National Unity, and the English-Language Press in Canada." Media, Culture & Society (Vol. 23, No. 5: September 2001), pp. 547-563.
David Young, "Céline Dion, the ADISQ Controversy, and the Anglophone Press in Canada." Canadian Journal of Communication (Vol. 24, No. 4: Autumn 1999), pp. 515-538.
David Young, "The Macmillan Company of Canada in the 1930s." Journal of Canadian Studies (Vol. 30, No. 3: Fall 1995), pp. 117-133.


text:
- Monomorphic ventricular tachycardia means that the appearance of all the beats match each other in each lead of a surface electrocardiogram (ECG).
- Scar related monomorphic ventricular tachycardia is the most common type and a frequent cause of death in patients who have survived a heart attack or myocardial infarction especially if they have weak heart muscle.[1]
- RVOT tachycardia is a type of monomorphic ventricular tachycardia originating in the right ventricular outflow tract. RVOT morphology refers to the characteristic pattern of this type of tachycardia on an ECG.
- Polymorphic ventricular tachycardia, on the other hand, has beat-to-beat variations in morphology. This may appear as a cyclical progressive change in cardi ac axis, previously referred to by its French name torsades de pointes ("twisting of the points"). However, currently the term torsades is reserved for polymorphic VT occurring in the context of a prolonged resting QT interval.
- If the fast rhythm self-terminates within 30 seconds, it is considered a non-sustained ventricular tachycardia.
- If the rhythm lasts more than 30 seconds, it is known as a sustained ventricular tachycardia (even if it terminates on its own after 30 seconds).
I have a granddaughter that has this awful heart disease, and we have almost lost her three times. She went into heart failure with in hours after giving birth to her second baby which was almost four yrs. ago now (in December). Since all of this has happened we have heard or known someone that has had the same thing happened to them and also right after in 95% of cases the birth of a second baby! The doctors (for the most part) do not know about this, or are not familiar with this happening to young women that has given birth. Listening to the news and keeping up with this more now that it's happened in my family has definitely made all of us more aware of this and thereby we pay more attention to when we hear about it on the news or other programs. This heart disease can cause a host of other problems along with it...such as seizures that are no epileptic and or not regular pseudo seizures. I had no idea there were so many different types of seizures until this happened.
My granddaughter that's has this just lost a friend from the same thing because she wasn't diagnosed correctly! My granddaughter wasn't either in the beginning...and it's hard to find a doctor to listen and that will take the time to see what is going on. The Mayo Clinic in Scottsdale AZ. is where she was correctly diagnosed and has her surgery. We live in Texas but had to take her all the way there to get the help she needed! THIS IS VERY SAD, because she had gone to Trinity Mother Frances,
Presbyterian and Baylor hospitals. How very sad is that?
My granddaughter is still unable to work or take care of her two beautiful kids. She does try very hard to take care of her kids, as much as she possibly can. She does have some good days, but most of the time it's all she can do to help herself. She was 23 yrs. old when this happened and is now 27. Her faith has gotten her through and knowing that her belief in GOD is great, that he is there with her and her precious babies I feel is one of the main reasons my beautiful granddaughter is still here with us fighting as hard as she does!
I hope that this information helps someone.


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Tag: Killed in Action (KIA)
Gold Star PSAs to educate public on meaning
"It's heartbreaking to think that a mom wearing a gold star might have someone ask her, 'What a beautiful pin. Where do I get one?'"
Medal of Honor recipient's remains return home
At the Courts of the Missing at the Honolulu National Memorial of the Pacific, here, the name of a warrior whose bravery and sacrifice earned him a posthumous Medal of Honor is listed.
Hawaii honors the fallen
Marines, Airmen, Sailors and Soldiers could be seen entering the State Capitol building, here, with strong emotions across their faces.
HI Legislature honors fallen war heroes
The Hawaii State Senate and Hawaii State House of Representatives held a special joint session in the Senate Chambers, here, Wednesday, to recognize military service members who have made the ultimate sacrifice.
YIR: In Memoriam
The Army in Hawaii remembers the following 25th Infantry Division "Tropic Lightning" Soldiers who gave the ultimate sacrifice in 2012.
Tripler honors fallen behavioral health specialists
Tripler Army Medical Center hosted a Wreath Laying Ceremony and Fallen Comrade Tribute at the National Memorial Cemetery of the Pacific, here, Oct. 29.
DOD identifies Army casualties
The Department of Defense has announced the death of four Soldiers assigned to Company A, 2nd Battalion, 25th Combat Aviation Brigade, 25th Infantry Division, Schofield Barracks, who were supporting Operation Enduring Freedom.
Vietnam opens sites to POW/MIA investigators
The Vietnamese government will open three areas to help resolve the fate of Americans missing in action from the Vietnam War, DOD officials said here, Tuesday.
USAG-HI honors those who served
At 6 a.m., Monday, Cub Scouts and Boy Scouts met here at the Post Cemetery to place U.S. flags and lei at the gravesites of the fallen in honor of Memorial Day.
3rd BCT unveils memorial
Soldiers, friends and family of the "Bronco Brigade's" fallen heroes gathered at F Quad, here, to honor those they lost during a ceremony to unveil the brigade's recently erected memorial, May 10.


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219 East Lake Shore Drive #5d, Chicago
Fabulous East Lake Shore Drive 3 bedroom, 3 full & 1 half bathroom unit at The Mayfair with an incredible extra large 622 sq ft private terrace! Enter into a grand foyer that leads to a custom open kitchen w/two islands, top of the line finishes & high-end stainless steel appliances- SubZero, Bosch & Thermador. The east facing living room overlooks Lake Shore Dr & Lincoln Park.The unit features a separate family room/media room, exercise room & 3rd bedroom/office. All 3 beds have an ensuite bath.Master suite features a large walk in closet, dressing room & incredible spa bath.The master bath includes heated floors & towel rack, stand up shower w/rain shower head, soaking tub, double granite vanity & separate commode.Beautifully landscaped private terrace off family room w/two custom fountains, outdoor grill, full dining space & seating area with fireplace.Two deeded parking spaces included in the price.Parking tax&assm are included in listing figures. Fantastic Gold Coast location.
Door Person, Elevator, Exercise Room, Storage, On Site Manager/Engineer, Receiving Room, Service Elevator
Hardwood Floors, Laundry Hook-Up in Unit, Storage
Oven-Double, Oven/Range, Microwave, Dishwasher, Refrigerator, High End Refrigerator, Washer, Dryer, Disposal, All Stainless Steel Kitchen Appliances, Wine Cooler/Refrigerator, Range Hood
Gas, Forced Air, Zoned, Radiant
Landscaped Professionally, Lake Front, Park Adjacent
The data relating to real estate for sale on this website comes in part from the Broker Reciprocity program of Midwest Real Estate Data LLC. Real Estate listings held by brokerage firms other than Magellan Realty LLC are marked with the Broker Reciprocity logo or the Broker Reciprocity thumbnail logo (a little black house) and detailed information about them includes the names of the listing brokers. Some properties which appear for sale on this website may subsequently have sold and may no longer be available. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information deemed reliable but not guaranteed. Many homes contain recording devices, and buyers should be aware they may be recorded during a showing.
Listing information last updated on April 6th, 2020 at 7:20am CDT.


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If You Build It, They Will Come: Baseball and the Reopening of Cuba
By admin On April 29, 2016 April 29, 2016· Leave a Comment
"People will come, Ray. The one constant through all the years, Ray, has been baseball. America has rolled by like an army of steamrollers. Its been erased like a blackboard, rebuilt and erased again. But baseball has marked the time. This field, this game, its a part of our past, Ray. It reminds us of all that was good, and could be again." —Terrance Mann, Field of Dreams
James Earl Jones's character in Field of Dreams, Terrance Mann, spoke nostalgically about America's relationship with its national past time. While America may have "rolled by like an army of steamrollers," being "rebuilt and erased again," the same cannot be said for another baseball-crazed nation, Cuba. Things have not changed much in Cuba since the American trade embargo was initiated in 1959. And that includes baseball.
However, President Obama is using baseball as a means of reopening diplomatic relations with the Cuban people. Last month, the President allowed Major League Baseball to hold a Spring Training exhibition game in Havanna, featuring the Cuban national team and the Tampa Bay Rays. If not for the executive blessing, such a game would be barred by the trade embargo. President Obama went a step beyond simply allowing the game to take place, however—he attended it with his family.
The MLB, for their part, is hoping that the famous line from Field of Dreams holds true again: if you build it, they will come. In this context, they're hoping that rebuilding the Cuban-American trade relationship allows Cuban baseball players to come to the United States to join big league clubs. As it stands today, the embargo means that baseball teams cannot sign players directly out of Cuba because that would require interaction with the Cuban government. Instead, the 32 current MLB players born in Cuba have defected from their home, often resorting to human trafficking and dangerous ocean-crossings. Dodger's left fielder Yasiel Puig was subjected to continuing threats from the human traffickers who smuggled him through Mexico in 2012.
In a rare intersection between diplomacy, international trade, and sports law, the MLB's Chief Legal Officer, Dan Halem, has asked for a special permit allowing pro teams to sign players who are still in Cuba. The Treasury Department's Office of Foreign Assets Control (OFAC) has the authority to effectively exempt the MLB from the embargo. Players signed through this process would likely have to pay a percentage of their salary to the Cuban government and also pay taxes to both countries. If approved by OFAC, this would be a major—even if only symbolic—step toward normalizing relations with Cuba.
Opponents of the OFAC permit point to Cuba's history of human rights violations and also wonder why baseball should be the exception to a national embargo. Perhaps worth noting, baseball is already inexplicably exempted from federal antitrust laws, an luxury that no other professional sports league enjoys. See Federal Baseball Club v. National League, 259 U.S. 200 (1922).
OFAC has yet to take an official stance on the special permit application, but President Obama's attendance at the exhibition game should be a welcome signal to MLB teams. Until then, Americans will have to continue smuggling two major Cuban imports: cigars and middle infielders.
—Travis Gray
Tagged with: International Law • Major League Baseball • Obama Administration • Sports Law • Treasury Department
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I've realised that this blog doesn't seem to be growing in quite the exponential manner that I had first envisaged. After a month online, ElectricPuppet has gained 18 followers, and as of two days ago, has had 100 views. I'm guessing that this is because this blog is either too boring, or no-one can actually find it due to my lack of internet presence. As a result, I've been wondering whether to set up a Twitter page, and possibly a Facebook one too, to try and get more followers. I do already have a F/bk page, but it is one that I share with my partner and which we use to communicate to our friends and post images of our children on, and so I don't want to link this page to that. I may set one up though, and just hope that people like it and follow and comment and share and etc ad infinitum. I also notice that I've had NO SHARES so far! Please share articles and posts! Please! Please! And please like and comment and follow and share and comment and follow and like and…and now I'll stop begging.
Anyhoo- I may set up a Twitter page, and possibly Facebook after that. Watch this space!


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2018 Bay Path University Women's Volleyball News
Clifford named to the 2018 NECC All-Conference 2nd TeamNovember 08, 2018Lydia Clifford was selected to the NECC All-Conference 2nd team by the NECC Coaches
WILDCATS SINK MARINERS 3-1 IN NECC VOLLEYBALLOctober 17, 2018EAST LONGMEADOW, Mass. – Freshman middle hitter Lydia Clifford (Coventry, R.I.) registered a match-high 22 kills and senior libero Joanne Nazario (Springfield, Mass.) tallied a staggering 40 digs to lift the Bay Path University women's volleyball team to an impressive 3-1 victory over Mitchell College in New England Collegiate Conference (NECC) volleyball Wednesday evening.
Bay Path Wildcats Fall 3-1 to Becker HawksOctober 06, 2018EAST LONGMEADOW, Mass.- Freshman middle hitter Lydia Clifford (Coventry, R.I.) topped all players with 12 kills with a .219 attack percentage despite a 3-1 loss to New England Collegiate Conference (NECC) opponent Becker College Hawks today with the game scores 25-20, 25-6, 20-25 and 25-20. Sophomore setter Latonia Hornsby (Springfield, Mass.) finished with a double double topping all setters with 21 assists, while adding 14 digs.
Westfield State Takes Bay Path 3-0September 24, 2018EAST LONGMEADOW, Mass.- The Owls flew past the host Wildcats tonight in NCAA DIII women's volleyball action 3-0 with the game scores being 25-14, 25-11 and 25-19. Westfield State was led by junior outside hitter Natasha Belardo (Springfield, Mass.) with a stellar .438 attack percentage, while the Wildcats top hitter was once again freshman middle blocker Lydia Clifford (Coventry, R.I.) finishing with five kills and six digs.
Bay Path Falls 3-0 to Eastern Nazarene in NECC Volleyball ActionSeptember 22, 2018EAST LONGMEADOW, Mass.- Freshman middle hitter Lydia Clifford (Coventry, R.I.) topped her team with a .333 attack percentage despite a 3-0 loss to New England Collegiate Conference (NECC) opponent Eastern Nazarene today with the game scores 25-16, 25-21 and 25-16. Senior setter Lexi Cears (Agawam, Mass.) led the way with 13 assists and e
Wildcats sweep the pair of matches from Castleton State Universiyt and NVU-LyndonSeptember 11, 2018Bay Path University swept a pair of non-conference matches to even record at 2-2
Wildcats Host Pioneers in Women's Home Volleyball OpenerSeptember 11, 2018EAST LONGMEADOW, Mass. - In their 2018 home opener the Wildcats of Bay Path fell 3-0 (26-24, 25-15, 25-14) to the Pioneers of Smith College. Freshman middle blocker Lydia Clifford (Coventry, R.I.) led the way for the Wildcats with a .368 attack percentage adding 12 kills, two service aces and two blocks despite the loss.
Bay Path opens seasons at University of St. Joseph's Tri-Match and suffers two lossesSeptember 05, 2018Bay Path's season opener at USJ was a tune-up to what looks like a successful season.


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Karan Brar's Biography On The Disney Channel!
Listen up everybody! A great amount of our Clients are familiar with the success story of one of Seattle Talent's most sought out actors, Mr. Karan Brar. He is best known for his role as "Ravi Ross" on the Disney Channel series, Jessie.Read More


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European Masters is totally unique, in that there are fourteen Spiritual Masters interviewed over a defined format of twelve questions.
What I loved about this book was the diverse expression of Freedom. Each Master responds to the questions in a unique way, if you dont like one, another is sure to appeal. So what you get is each Master pointing to the same from a different place, and thats what gives this book its richness. Fourteen unique expressions of freedom which leave you savouring the rich taste of each Spiritual Master.
The twelve questions relating to the teachings of Sri Rammana Maharshi provide the background for a complete and thorough exploration of freedom. Premananders interviewing connects with the masters in such a way that it avoids the dry repetition that is possible repeating the same 12 questions. The masters responses are explored and Premanander is clear to ensure the reader gets answers with substance.
The inclusion of Deva Premal and Miten add insight into devotion which offers a different perspective from the central theme, though for the purist its inclusion may seem like a diversion.
If you are serious about freedom or just want to read something completely different to the standard spiritual fare then this is the book for you.
Premananda has done us all a huge, huge favor in bringing all these wise guys and ladies together in this beautiful tome.(Check out the table of contents--- you'll see what a gold mine this is.) I love this book. The physical book itself is beautifully made, yet the rainbow of contents shine even brighter. It was brought to my attention through my study of and with Rupert Spira, one of the brightest lights of our time, who is one of those interviewed. When the book arrived, I found new material from a host of my old favorite teachers and seers, and many I had yet to encounter. What a treat! Premananda pretty much asks the same questions of all those interviewed--- which itself is very revealing-- but is not rigid or insistent. He does a beautiful job of interviewing--- perhaps because he himself is very clear about advaita/non-duality and teaches it in Europe. Thus, there's material in these interviews that can be found no where else. I'm surprised there are so few reviews. After reading about a gazillion books in this arena, I am confident that this particular book deserves much more attention than it's apparently getting. My advice? Buy it. Right now. You won't be sorry. (If you are, I'll buy your copy and send it to my own friends!)
This came at a time in my life where I couldn't really understand what enlightenment was. I had heard different descriptions, and wanted to understand, but it wasn't clear at all. This book is actually very clear, and I liked it a lot. If you know the non-duality or Satsang theme, then you will likely know the teachers and people interviewed. They are a good selection, but one difficulty I had was that while they were all clear, and beautiful people, I still had a sense of not understanding this whole game of enlightenment. With some teachers like Tony Parsons and Karl Renz it was very simple, and absolute, but my daily experience simply isn't like that. With other teachers like Om Parkin and Rupert Spira, they recommend practising Self-Enquiry, and doing work on yourself. Basically it's all nourishing, really interesting material and dialogues, even if for me there are perhaps too many interviews.
"What a fine job!
The book is beautiful to look at, solid and comfortable - and pretty
Great layout, everything neat and beautifully arranged.
Fine photos - nice that mine included one of the family, another with
Honoured to be an integral part of it.
Congratulations to you and all your team and all involved.
You've clearly attracted some great people who know too how to do a job
This DVD is part 2 of the series 'Blueprints for Awakening', with the first being 'Indian Masters.' While the first is beautiful and illuminating, these European Masters really spoke directly to me, and I think probably to many people! They are all involved in this incredible awakening, and many have a strong tie to Ramana Maharshi. They all answer the same questions put to the Indian Masters, 'Who am I' 'What is enlightenment?', but they obviously use their western minds to express the inexpressible.
What results is a wonderfully clear, and often very absolute view of spirituality and enlightenment. This was especially embodied for me with Tony Parsons, who openly states that in fact no one gets enlightened, it's totally impossible for the mind to deal with it! And yet it is completely available for us to see, given that Tony was and is a completely normal bloke, but you see in his eyes that he lives in a space that defies explanation or limits. Most of the masters point out that nothing is necessary for enlightenment, something of incredible to me, and I imagine, to many others viewers.
It can often seem like the people are talking about enlightenment as if they have it all sorted out, and that there is some key to it, or some club you can join if you believe them....but for me, I really saw the genuine passion they have for this awakening, and how it has revolutionized their beings and brought them all into freedom.
This possibility lies waiting for anyone and everyone who wants to see it. If that's you, this film is an enormous neon signpost. Enjoy.
I have seen this film a couple of times, but its amazing quality again and again brings me to silence.
Very beautiful music, beautiful pictures and touching dialogues.
"European Spiritual Masters" is a very interesting addition to the Indian Masters film. The wisdom of the European Masters is expressed in a very clear, intelligent way. Basically Indian Masters and Western Masters are talking about the same, but the Western Masters transformed the ancient teaching into a language and syntax, which is much more easy to understand for "Westerners". Let's say the Western Masters don't seem so exotic, but sharp as a razor. Their words will shake your mind and leave a peaceful silence.
Astrid Bonfigt


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Who We Are
VS Rubber is a global purchaser and processor of rubber buffings, whole tire crumb, and tire inner tubes, located in Lebanon, Pennsylvania. VS Rubber cleans, processes, and recycles these materials into a variety of products ready for use in many products and applications, with nearly no waste.
All products, based on the demanding standards of our clients, are 99.99% free of errant materials like stones, metal, or fibers frequently found in the recycled materials made from tires. VS Rubber has been operating in the United States since 2008, inspired by the European VS Rubber division, located in Venlo in the Netherlands. VS Rubber (formerly known as Jakobs Rubber Recycling) in the Netherlands has been processing rubber since 1947.
Directions to our Facility
Located just outside Lebanon, Pennsylvania, the VS Rubber facility is easily accessed from most major routes in the region. Note for drivers: directions provided by Google do not account for low bridges, tunnels, or overpasses. You will need to be aware of the height of your vehicle and account for that when choosing how to approach the facility.
Delivery Services
VS Rubber will unload and thoroughly clean your trailer when you deliver to our facility. Trailer exchange programs are available for full service at your location(s). Please contact us for more information about our delivery services.


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About Jay D. Raxenberg
Not just any divorce attorney. Learn what makes Jay D. Raxenberg Long Islands choice for Divorce Law.
Going through a divorce will undoubtedly be a significant change in a person's life. It's a change that won't just affect the separating spouses, but an entire family both close and extended. What many who are seeking a divorce don't realize is the intense process it is both mentally and legally draining. Often times this leads to decisions being made based on emotion. Many, in the interest of finalizing their divorce as soon as possible will find themselves saying "I settled for too little", "I didn't realize what this would do to the children", or "My legal mistakes will haunt me for years".
In order to avoid making regrettable decisions in your separation or divorce, here are some helpful pointers:
Choosing the right lawyer:
Going through a divorce is a sensitive process. Finding an attorney who will meet your specific needs as an individual going through this process will not only bring you peace of mind, but likely the results you desire from your divorce. You are the only one who knows what kind of person you are, beyond that what kind of person your spouse is, and what kind of split this is going to amount to. Find the lawyer who is RIGHT for you and will advocate zealously on your behalf.
Choosing the right process:
What many don't realize when seeking a divorce is that there are many ways to remedy your cause of action. If you are seeking a divorce, take time to discuss all the possible options with your lawyer. Come to a conclusion with your spouse on how you can both effectively conclude this chapter of your life with them.
Understanding custody issues:
Unfortunately, there are instances where you may find yourself in a situation that you simply cannot communicate at all with your spouse. If the contact you have with your spouse turns into arguments, the custody arrangement regarding your children can easily become a nightmare. During your divorce you will be making major decisions regarding your children's lives. While working out the legal arrangements, it is imperative that you and your spouse keep the best interest of your children in mind.
Are you thinking about entering into a Prenuptial Agreement? Are you considering filing for divorce or separation? When a couple decides to dissolve their marriage, there are many aspects that need to be addressed including child custody and financial support, parenting time/visitation, spousal support and equitable distribution, to name a few. These are subjects that Jay D. Raxenberg, P.C. has gained a great deal of experience in over the last two decades in Supreme and Family Court in the tri-state area. Mr. Raxenberg has extensive training, knowledge and experience in this area of the law and is dedicated to providing exceptional compassionate legal representation to all of his clients. Please call (516) 491-0565 or toll free at (888) 543-4867 to arrange your initial complimentary consultation.


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Go Web Application Structure - Part 1
When writing Go applications, especially web applications, there isn't much documentation on how to do it the right way. This is both a blessing and a curse. One of the best things about Go is that it comes with batteries included for the most part so you don't need to use many, if any, external packages if you don't want to. This is especially true for web applications. In other languages, such as Python and Ruby, there are many different options for web application frameworks. Some of these options are Django, Rails, Flask, & Sinatra. Go has a few frameworks, Revel, Beego, & Gin to name a few, however, it's generally advised to not use a web framework when writing a Go web application. Most programmers coming from languages like Python and Ruby might find this strange or even daunting; many will fall back to using one of the aforementioned Go web frameworks. This and the following blog posts attempt to give a full example of how to write a Go web application without using a web framework.
At The Alliance, we use Golang and GraphQL for our API. Read more about our API here.
Application Layers
API Layer
This is a lightweight interface to our business logic. When a client interacts with our application, it will do so through an API. Common interfaces are GraphQL, gRPC, and REST. This layer should contain minimal (if any) application logic. This layer is only responsible for translating the data returned from the business logic layer into a consumable format for clients.
Business Logic Layer
This is where business logic (including authorization) is handled. The term "business logic" is often tossed around so much that it has lost its meaning. This StackOverflow article has a great definition:
Business logic or domain logic is that part of the program which encodes the real-world business rules that determine how data can be created, displayed, stored, and changed. It prescribes how business objects interact with one another, and enforces the routes and the methods by which business objects are accessed and updated.
Often times developers incorrectly place their business logic in their API controllers. This should be completely separate, in the following section we define a separate module for our business logic. A concrete example of this is, let's say we have a simple TODO application. We have an API endpoint that allows users to create a new TODO. We may want to validate a couple of things; for example, the provided TODO text isn't too long & the user hasn't hit their daily limit. All this validation logic should be handled in the business layer.
Authorization & authentication are also handled in this layer. This means determining who the current user is when a request is sent to your server (authentication). This determination can be handled in many different ways, ranging from cookies to authentication tokens. Any authorization logic surrounding who has access to what, should be handled in this layer; authorization errors that happen should be handled appropriately in your API layer. Concretely, this means that when an error is thrown or returned in a method here, your API should catch it and return a 403 or 401 error.
Persistence Layer
This is where data is persisted to a database or other store ("database" from here on). After a request has been authorized and/or validated we need to make some request to our database. Generally, there are four common operations we make to a database, they are commonly referred to as CRUD: Create Read Update Delete. Most databases support these operations in one or many forms. In this layer, our business logic layer makes these requests to our database. The only thing this layer should be responsible for is database operations; there shouldn't be any business logic.
Folder structure and project set up
A Go project looks quite different than a Django or Rails project. Files are grouped by their application layer rather than business application.
Our top-level folders will be as follows:
api(api controllers)
app(business logic)
cmd(command line methods)
db(database operations)
models(database models)
To get started you can type the following commands:
mkdir -p $(go env GOPATH)/src/github.com/<username>/todos
cd $(go env GOPATH)/src/github.com/<username>/todos
dep init
The command line
Many web application frameworks give you a way to interact with it through the command line. Django gives you
manage.py, Rails gives you
bin/rails, we will create our own. The Golang
flags package is already pretty good for writing basic command line applications, but we will opt to use a package called cobra. The advantage of using cobra is that it gives you an easy way to write and structure commands. For example, each command we have will have a separate Go file in the
cmd directory.
A quick word on configuration
For application configuration, we will use a package called viper which can be used in accordance with The Twelve-Factor App guidelines. Viper allows for configuration with a config file or with environment variables.
The root command
To use cobra, we will configure our "root" command. This will be used to register all other commands we create. It will also be where we load our application configuration. This file should be
cmd/root.go and will have the following contents:
package cmd
import (
var rootCmd = &cobra.Command{
Use: "todos",
Short: "Todo Web Application",
Run: func(cmd *cobra.Command, args []string) {
func Execute() {
if err := rootCmd.Execute(); err != nil {
var configFile string
func init() {
rootCmd.PersistentFlags().StringVar(&configFile, "config", "", "config file (default is config.yaml)")
func initConfig() {
if configFile != "" {
} else {
if err := viper.ReadInConfig(); err != nil {
fmt.Printf("unable to read config: %v\n", err)
The last thing we need to have a fully working Go application is a
main package. In the root directory, create a
main.go file with the following contents:
package main
import "github.com/theaaf/todos/cmd"
func main() {
This file and function within tells Go what the "main" entry point into our application is.
Now we can run
go build -o todos . and then
./todos to get some usage output.
todos [flags]
--config string config file (default is config.yaml)
-h, --help help for todos
The version command
Next, we can add a simple version command to print the application's version. This should go in
package cmd
import (
func init() {
var versionCmd = &cobra.Command{
Use: "version",
Short: "Print the version number",
Run: func(cmd *cobra.Command, args []string) {
fmt.Println("Todos v1.0")
Now we can run
./todos version and get the version number!
Todos v1.0
In this post, we saw the high-level folders needed for a Go web application, how to set up a command line interface, and writing a simple version command. The next parts will dive into using
gorilla/mux for routing for how we can serve the web application, interacting with the database (including migrations), and finally how to separate business logic from our API.
- Part 1: Web Application Structure
- Part 2: Routing/Serving
- Part 3: The Database
- Part 4: Database Migrations & Business Logic (soon...)
Code: https://github.com/theaaf/todos
Cover photo by Juan Pablo Arenas from Pexels.


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How Can I Control One Computer From Another?
There are several ways for you to control one computer from another. However, we'll show you two of the most commonly used remote access solutions to achieve this.
Windows Remote Desktop Connection - Windows Remote Desktop Connection or RDC is a free Microsoft feature that comes in all Windows computers by default. This technology allows users to remotely connect to a Windows-running computer using another computing device. This feature is disabled by default. That's why users who want to use Windows RDC need to turn this feature on first. To enable Windows RDC, then follow these steps below:
Go to your Start window.
Enter remote settings into the Start window's search box.
From there, select Allow remote access to your computer.
Click the Remote tab from the System Properties window.
Click Allow remote connections to this computer.
Make sure the box beside Network Level Authentication is checked.
Remote Access Software - Remote access software is a technology that provides users with the ability to access and control another computer remotely. This program typically aims to eliminate the need for the physical presence of the user to get a computing task done. Some remote access software can be downloaded for free, while others can be purchased for a certain amount of money. With remote access software, users have now the ability to control a remote device using a local one from anywhere at any time.
Remote access usually works with a stable internet connection. It also needs to be downloaded and installed on both the local and remote computing machines. Typically, remote access software uses encryption technologies that protect remote sessions from being leaked and exposed. It also requires users to undergo a strict verification process to ensure that all access made on the remote device or network is authenticated and authorized.
Related Resources:
How do you secure remote access?
How do I protect my remote desktop connection?
Related Product Resources:
- Released: 04/22/2019
- Updated: 04/22/2019


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Robert (Bob) P. Ingle, founder and CEO of Asheville, NC based Ingles Markets, died March 6 at the age of 77. Ingle founded the grocer in 1965 and was chairman of the board from the company's incorporation in 1965 until May 2004, when he became a director. He was Ingles' CEO from 1965 and president from that year until 1982 Ingles operated 203 supermarkets in six southeastern states
The company's board has elected Robert P. Ingle II to succeed his father as CEO. The younger Ingle, 42, has served as a board member since 1997 and became chairman in May 2004. He has worked for Ingles in a variety of positions since 1985. His daughter Laura Lynn Ingle Sharp is also a Director of Ingles and the namesake of the Company's "Laura Lynn" Private Brand which was created in the early 1980's. Ingle and his wife, Laura, had four children: Laura Lynn, Sheree Ann, Robert Jr. and Maria.


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Mattoon is ideally situated in the mid-eastern section of Illinois within Coles County. Its location sits between three major cities—Chicago, St. Louis and Indianapolis—all within a 2.5-hour drive from the community. Mattoon is encircled by a number of transportation systems including major highways, rail lines and airports.
Interstate 57, a major north-south highway that runs through the east and southern tip of Mattoon, allows easy navigation through the city. The interstate offers three exits to Mattoon, including the new Exit 192. Drivers can exit I-57 at Mattoon Exit 190, drive through town and return to the interstate on the south end at Mattoon Exit 184. This strategic and convenient set-up presents an opportunity to visit Mattoon and see what businesses and attractions it has to offer. In addition to I-57, the community's bloodlines include U.S. Route 45 and State Routes 121 and 16.
Amtrak provides service to and from Mattoon at the Illinois Central Station, located in downtown Mattoon. Local residents have been supporting the renovation and expansion of the station through Project Depot, an organization developed to preserve and renovate the age-stricken station. Between 2,500 and 3,300 commuters each month use the services provided by the rail line in Mattoon, which offers three morning trains, as well as three in the evening. Travelers also have access to the bus services of Greyhound, with a bus stop located at 1904 Broadway Avenue.A number of airports are located in and near the Mattoon city limits, including Coles County Memorial Airport in the Mattoon, located five minutes east of I-57, along with the University of Illinois-Willard Airport in Savoy and the Decatur Airport.
Businesses are supplied with the services of the Canadian National Railway Company, which runs through the Mattoon community, carrying product in and out of the area to a handful of cities across the United States.
Surrounded by several transportation systems, Mattoon residents are able to easily access cities all around the country.
Distance to…
Chicago — 186 miles
Cincinnati — 255 miles
Detroit — 432 miles
Des Moines — 401 miles
Indianapolis — 140 miles
Kansas City — 369 miles
Milwaukee — 275 miles
Minneapolis — 560 miles
Nashville — 326 miles
St. Louis — 129 miles


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Tips and Tricks Movie Marathon Using a Smartphone
For those of you who are confused because the weekend this time had no activities, movie marathon could be one of the most favorite refreshing activities.
Not to mention, with the development of technology, now you can also do a movie marathon at anywhere and anytime with the easy and practical to use a Smartphone. Are you curious how easy movie marathon with a Smartphone? Watch the tip and trick:
1. Always Provide Pulses or Internet Quota
Do you feel bother storing data in Smartphone's movie because of limited memory? Quiet, now you can already conduct movie marathon with the stream. But, to be able to watch the movies for streaming or internet quota pulses make sure you have adequate already.
2. Prepare Snacks to accompany your Favorite
After all gadget devices are ready to start the marathon movie, to perfect it, prepare popcorn or other snacks. If you want to prepare a drink, do not forget to use a drinking bottle to avoid drinks being nudged and soaking your Smartphone.
3. Complete weapons for Movie Marathon
Some Smartphone's are indeed has provided audio and visual specifications are good enough to play movies. But, of course, you also want to get the best performance when you watch movies instead?
A variety of portable gadget gear you can find as a weapon to maximize performance when movie marathon using a Smartphone. Portable nature makes sure you don't need to worry because the movie will still be easy and practical.
To maximize the audio, use the Bluetooth speaker. If you are crowded or noisy, place the headphones could be an alternative to the Audio device that you can use.
Furthermore, in terms of visual you can try android TV box to fire a snippet of the film to the screen or wall. So, watch movies on the Smartphone does not feel like using a Smartphone.
4. Keep on Smartphone's with Power Bank
Sure you don't want the excitement of movie marathon disrupted because Smartphone have suddenly run out of power. In anticipation of this, always prepare the power of banks to ensure the battery charger or Smartphone is always ready to play all your favorite movies.
However, you may not use the Smartphone continuously without pause. Give your Smartphone to rest 10 to 30 minutes before proceeding to the next movie. Surely you don't want Smartphone's so overused, not damaged?
It's not difficult not to turn a Smartphone into a mini cinema to realize a marathon movie anywhere and anytime? Although practical and can be done anywhere and anytime, you don't forget time. Especially to make the electricity bill swell. Congratulations on trying the marathon movie with your favorite Smartphone.


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|Sichuan: Luhuo Xian. North of the city of Luhuo on road to Sêrtar on south side of Naoze Shan just below pass. Stony roadside and adjacent heavily grazed meadow. 31°43'30"N, 100°44'40"E; 4050 m.
Overgrazed meadow and roadside in hard-packed soil. Ligules entirely yellow.
|D. E. Boufford, M. J. Donoghue & R. H. Ree
|4 September 1997


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Country's largest NHS trust to deploy digital patient feedback system
Barts in east London to spend £100,000 on new platform for collating FFT data
The largest NHS trust in England is planning to spend £100,000 on a new digital system of gathering feedback from patients and their carers.
Barts Health and NHS Trust in east London has issued an opportunity notice notifying suppliers that it "wishes to procure a new digital system to elicit patient, patient and carer feedback" through the NHS Friends and Family Test (FFT).
The trust added: "This will include a range of options for surveying including paper, text, telephone, and online survey methods."
The FHT was introduced in 2013 to ask NHS users and those that look after them to evaluate the service they received from the care provider in question. The test – which asks participants to rank, on a six-point scale, how likely they are to recommend the hospital, surgery, or other care provider – is typically given to patients as they are discharged or sent out shortly thereafter.
Related content
- IT attack on England's largest NHS trust revealed as Trojan malware
- Leeds and York NHS trust to create electronic patient records system with seven-year project worth up to £5m
- Leeds to trial person-held record system
Since April 2014, all NHS trusts have also been required to use the FFT to quiz their staff about whether they would recommend their employer as a workplace. Barts said that it is looking for a supplier that can help it achieve response rates in the upper quartile.
"We would expect the successful provider to agree an improvement trajectory which will see Barts Health in the top 25% in the country for return rates with the FFT," it said.
The trust is looking to gather expressions of interest between now and 17 October. The contract with the chosen supplier is scheduled to kick off on 1 December and last for one year.
Barts operates four hospitals and a wide range of community health sites across east London, serving a total of 2.5 million citizens.
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Government ramps up engagement with tech firms in bid to promote accurate advice and information


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I'm back with a card order, I just love this little bear and may have to treat myself to afew new LOTV's ;D
I'm entering this into the In The Pink Challenge, which is 'Punches and/or dies' :)
This a really pretty girlie card! Love the image, so cute and love the pink!
Lorraine x
This is gorgeous Kelly,so cute and love the pretty lace & pearls.
Wendy xx
Awwww such a cute image Kelly and I love the layout with the pretty lace and delicate shades of pink.
Hugs Sue
this is such a darling card all sugar and soft and ultra cute love the inside too looks so professional hugs sasyxxx
This is so gorgeous Kelly the little bear is so cute and the layout is fabulous. I love the pastel pink colours and the lace oh I love everything. Caroline xxx
stunning card x
What a beautiful card Kelly.
Hugs Riet.xx
This is gorgeous,love the cute image and papers.xxx
Hi Kelly, this card is so pretty love that image coloured beautifully. The lace is gorgeous too with those cute little pearls
Hugs Kelly
so gorgeous kelly.i love your pretty pink colours and adorable sweet image :D
xx coops xx
Hi Kelly - thank you for sharing this beautiful card with us at In The Pink. The layout and embellishments are delicious, and I LOVE the Teddy!
Hope we will see you again very soon! Sylvia x
A beautiful card!! Lovely colors, image and details together:-)
Hugs Laila.
So cute Kelly.
Sue x
This is really sweet Kelly, love the cute image and gorgeous elements on the card. Hugs, Claire x
Beautiful card. Cute image and lovely layout. Love the lace and pearls.
Hi Kelly
Oooh such a lovely girlie card and perfect a daughter.... I love the lace and pearls you've used too!
Thanks for sharing with us at In The Pink... hope to see you here again soon!
Christine x
Aaw! very cute Kelly love the image so sweet!


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|Re: Cell Phone Extenders?
|jared (firstname.lastname@example.com)
Tue, 27 Dec 2005 18:34:32 -0700
As compared to the company who claim more bars? Though that company is
unsure of their name, sometimes the phone comes up with the name of
company they bought more than a year ago.
Even GSM in the USA doesn't compare with GSM overseas in terms of how
> That's the Verizon who spends more money advertising how good their
> The one that once gave me "no signal" in the middle of Times Square?
> The one that about 50% of the time switched me to "roaming" in the
|Post Followup Article
|Use your browser's quoting feature to quote article into reply
|Go to Next message: Scott Dorsey: "Re: Cell Phone Extenders?"
|Go to Previous message: Tim Gnatek: "Shape of Surfing in 2005"
|May be in reply to: AES: "Cell Phone Extenders?"
|Next in thread: Scott Dorsey: "Re: Cell Phone Extenders?"
|TELECOM Digest: Home Page


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The number of people choosing weight loss surgeries such as gastric bypass has increased dramatically in recent years. A number of causes contributed to this increase: improved technologies, flexible pricing, and the rise of insurance companies shouldering a portion of the cost.
These surgeries help patients lose weight quickly, but there is one significant side effect: sagging skin. This is often the result of rapid weight loss. To deal with it, patients increasing choose plastic surgery procedures such as tummy tucks, thigh lifts, and arm lifts.
Common Procedures
Across the country, post-weight loss patients represent the fastest-growing segment of plastic surgery patients. These patients are typically seeking help with sagging skin at their abdomens, arms, breasts, and thighs. Their reasons are not only cosmetic. This extra skin may also be uncomfortable and even painful.
Plastic surgeons perform a number of body contouring procedures to improve their patients' comfort and appearance. These include:
Approximately 25 percent of weight loss surgery patients end up electing to undergo plastic surgery. The number is high enough that many plastic surgeons hope to become a part of the conversation before weight loss surgery takes place. This would help give patients a realistic expectation of their post-weight loss bodies. It also helps set a timetable for when plastic surgery should occur. Too soon in the process, meaning while the patient's weight is still changing, and the patient will likely require a second surgery. Ideally, patients undergoing body-contouring procedures have maintained their weight for at least three months.
If you recently lost a great deal of weight, or are planning a weight loss surgery and would like to learn more about contouring procedures, schedule a consultation to learn more about what to expect and which procedures are right for you.


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Joanna enters the kitchen in a white dress to find a gift on the counter. She opens it and finds a pair of earrings which she puts on. Tyrell descends the stairs in a white suit, surprising his wife. They leave for a party. It is an E Corp, white motif party. Phillip Price introduces the Wellicks to Scott and Sharon Knowles. He notes that Tyrell is the rising star in the company and he is aiming for the CTO position. Sharon compliments Joanna's earring, which prompts her to note that Tyrell always surprises her with gifts.
Joanna is wearing the earrings as she takes her baby on a walk in the stroller. A woman walks up to her and splashing her with red paint, calling her a capitalist pig. Joanna screams.
Elliot says he sees the viewer. He thinks about the nature of a handshake and the agreement between two people. Elliot is in pain in the cellar as Mr. Robot offers comfort. He asks about the nature of the sitcom world and what Tyrell was doing there. Mr. Robot angrily wants to move past it, but Elliot wants to accept what he did. Mr. Robot asks what he last remembers: popcorn.
As Dom stands before Angela at her cubicle, Angela asks Darlene to hold on. Dom introduces herself and explains that she saw her on the FBI floor and asks why. Angela says she was making plans with Agent Thomas. Dom cuts to the chase and says she is fascinated by her story from Washington Township to Allsafe to E Corp. Darlene assures Angela she has no evidence. Dom asks Angela to make an official statement later. She then says whatever Angela is doing is "not you" and leaves. Angela finishes the hack and the femtocell owns the network.
In the cellar, Elliot acknowledges that he killed Tyrell. Mr. Robot says it was us or him. When asked how, he says Tyrell was raving about killing a woman and becoming gods when he shot him. Elliot takes responsibility.
Joanna and Derek are having BDSM sex in the hotel when Joanna urges him to choke her harder. Later, he tells her to come to his 30th birthday party as his girlfriend or else they're done.
Dom is checking the security camera footage, finding it all erased. She tells agents to sweep the FBI floor and check Angela's desk before leaving to find a Fourth of July barbecue to be miserable at tomorrow.
As Angela rides in a taxi, she hears and sees news of trash pileups and garbage burning due to 5/9 fallout. She hears how taxis and limousines are now accepting E Coin, a digital currency. Outside her apartment, Darlene is smoking. She asks why Angela wasn't answering her calls. When she tries to tell her that Cisco was targeting her when he sold her the infected mixtape, Angela wants to hear none of it. She brings up the fsociety masks, recalling it from that shitty movie she and Elliot made her watch as kids. She recognized it when the videos first came up, but never could believe it was them.
At 10:30pm, Lone Star sets Elliot down in the chair in Ray's office. Ray wants to get back to work and will put Elliot back in the hole until he is sure the site works. Mr. Robot warns him of what will happen then, but Elliot realizes that Ray needs him right now.
Darlene arrives at the smart house to find Cisco, Trenton, and Mobley crowded around a laptop, concerned. They show her the screen and she asks if that is happening tomorrow.
Joanna is in Derek's apartment when he gets home. He is upset she didn't come to his birthday. When she tries to touch him, he says he's tired of being played, being a bartender at an E Corp event messing around with a stuck-up guest. Joanna apologizes and says she was busy getting him a birthday present: her divorce papers.
In Ray's office, Lone Star sees that their bitcoin intake has doubled since bringing the site up, and blames 200,000 that could have been made while the website was down, on Elliot. He grabs Elliot, who then challenges Ray to a game of chess. Alone, they start playing. Ray thanks him. He explains that his wife was smart with computers and that she started the site. They never looked at it, but allowed the market to dictate what was being bought and sold as long as the money was coming in. Ray didn't look until Elliot came along. Then he realized that what he did to Elliot and RT was "weak." He admits he was wrong when he said life was just about stumbling and that he should've taken a stand. Elliot is his answer, not the other way around. He gets emotional. Ray asks how much time he has, knowing that Elliot would give him up when he was given a computer. Ray surrenders in checkmate and tells Elliot to be careful as police swarm the house and pull Elliot aside.
At the Congress bailout vote on 7/7, a Wall Street Bull's balls are dropped through the glass roof.
The next day, Angela meets her dad at E Mart. He is busy selling E Kits for the end of the world. Angela explains that E Corp will settle if the third party inspections of their plants are removed. Her father objects to let what happened to his wife happen to others. Angela replies that she is valued there and she will make sure inspections happen internally. He says he doesn't trust her and that she won't get 2/3 of the class to agree. She says that she has the votes as money talks and her visit to him was simply courtesy. She leaves.
At the basketball court, Leon tells Elliot that the Ray thing has people talking. All eyes are on Elliot. A group of men approach and tell Leon to scram, but he refuses. The leader says he had a lot of bitcoin that was lost because of Elliot. The group leaves.
Angela and Price are in his office. He acknowledges that the contingency was dropped and that it is better to settle and save money than ask questions. Angela says she wants to change E Corp from within and asks to be transferred to the Risk Management division, which Price dismisses as a lateral move. She sits beside him. Price admits that it is his birthday, not the date that is publicly known. He invites her to celebrate but she declines. He walks away.
At the church group, Elliot stays behind to apologize to the chaplain for his outburst. She hugs him and tells him she has seen him talking to "Him." She assures him Jesus listens and leaves him alone. Elliot asks what to do as he has been lost these past few weeks since Ray. He wants to finish what he started with E Corp, but doesn't know how. Mr. Robot says that Elliot has been making his own decisions from the beginning when he joined fsociety. He is a leader that needs to lead the revolution.
Angela is being welcomed to Risk Management by her boss. He mentions that their next scandal is brewing in Flint and gives his condolences for Gideon. As she is leaving his office, she asks to sit in on the daily briefing to get caught up. He notices the protestors outside and she leaves.
Elliot is burning his journal in the park, wondering about how his regimen has ironically led to embracing Mr. Robot. As he is walking home, the group of men from before push him deep into an alley. The assault him, with Mr. Robot shown to be taking the punches. As the leader prepares to rape Elliot, Leon kills them all with a knife. He tells Elliot that he will receive a letter on Tuesday and to do what it says. He stabs the gang leader in the asshole and tells Elliot to tell Whiterose he did him good.
At the Risk Management meeting, Susan Jacobs has not arrived but they start anyway. Angela brings up that going through past cases of Dakota fracking and Washington Township could help them address current issues. Her boss adjourns the meeting as the food hasn't come and tells Angela he knows who she is. Her transfer was a favor to Price but Price said to handle her however. Shrimp cocktails arrive, a reference to what Terry Colby and company were eating when they handled Washington Township.
Krista is reading the letter on Tuesday, praising it as good news. She asks how the interactions with Mr. Robot are. Elliot says they trust each other, even though he has only wanted to get rid of him since he has been staying with his mother. Krista asks him if he knows he hasn't been staying with his mother. He knows. The therapy office turns into his mother's house, and then into a prison meeting area. The streets are the halls, the diner is the cafeteria, and the park is the yard etc. Krista hopes when Elliot is released, they continue their regular schedule.
Elliot explains that substituting his mother's house for prison was his way of coping. He asks that the viewer won't be mad and if they could trust each other with a handshake.


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First month of 2016 of freebies, deals, & prizes. What have you been getting in the mail?
A little late at posting. I've been really sick the past couple of days.
Nestea has a sweepstakes going on & I won a $50 giftcard to cloud9 which you can buy og gift experiences. Anything from food tours to being a pilot for a day. I'm deciding between lunch on a boat in NYC or a food tour
My favorite this past month was winning AHAVA mud masks.
remember to follow your favorite brands on Social Media.
I also won 2x 12 packs of Clif bars & a book from a promotion they had on twitter! YUM!
Freebies & Samples
Picked these up from Sephora for being a beauty insider. Philosophy, Ole Henriksen, Benefit & more. It's free to join!
Last month I posted a lot of Victoria's Secret stuff I got for free. Well I just scored 2 bras & 3 undies for free. On my last haul I received 2x $20 rewards cards to use this month/ Feb. They had these cute The Date push up bras on sale as a set for $30 which is a great deal. I was able to use a promo code for $10 off, a free panty promo code, & free shipping!
Crunchies strawberry banana dried fruit • cat treats from survey company • Green Mountain organic coffee k-cups from Walmart • Matrix Mousse
Juice beauty samples cleanser, serum , moisturizer • Perdue Calendar • O Magazine • Fresh Pet cat food coupons : free bag & $3 off • Hills Bro Cappuccino salted caramel k cups + $1 coupon • Starbucks 2 k-cups hot chocolate classic & salted caramel + $1 coupon • Tito's vodka sent me a journal • Thrill pro selfie stick (prize)
pinchme box with purely fancy feast & gold bond lotion 2nd box: Beyond grain free cat food & breathe right strip
Freebies/ Samples: hemp hearts and hemp protein powder from their FB•Kleenex facial cleansing wipe + coupon •My Magic Mud natural tooth powder • Covergirl TRUBlend foundation sample from Walgreens
• won some NuGo bars from Splashscore ( I recently did a review for them, use Love4Slim for 20%off)
Batiste dry shampoo from influenster contest , Hershey's caramels from Splashscore
Coupon for free minute maid juice, Dove dry deodorant from Walmart , When my mom stayed she gave me the left over Neutrogena shampoo & conditioner from her hotel.NCLA nail polish, not sure why it was sent but I like it! Its called peppermint crush
Lindt truffles for $1.49 at Walgreens • Yankee Candle 2 small votive candles for .50 each
I was also able to score hot wings, a large pepperoni pizza & garlic knots, & another small pizza. Fooji/Grubhub partnered up with How to Be Single ( movie) & Lucifer ( tv show on Fox). When you tweeted out the hashtags & emoji you could score free food. It was pretty cool to tweet out a pizza emoji, get a tweet back with a link to enter you details, then it show up at your door. I thought it was very different from other promotions.
Picked up free goodies thanks to coupons. I was happy to finally find a chocolate Justin's hazelnut butter & I loved the Organic Fuel from Organic Valley.
Paid $1.83 but made $5.92
• Dove Shampoo & Conditioner $3 – Used $3 off 2 digital coupon & $3 off 2 MFC = FREE
•Centrum Vitamins – $7.19 used $4 digital coupon & $4 MFC coupon = FREE
•Arnold Bread 2.24 used $.55 MFC which doubled =$1.14
•Knorrs sides $1 each – Used $1 off 2 MFC coupon & $.50 digital coupon = $.50
•2 Musselmans apple sauce 6pk $1 each used $1 off 2 =$1
= with an $.81 overage from the vitamins I paid $1.83 out of pocket
I also used saving star and got back $7.75 ($5.92 money maker)
-CVS : cereal on sale $1.99 each – had coupon for $1 off 2(1/3 paper) & $.89 ECB = $2.09 for both
-Dollar Tree used $1 coupon for Campbell's Organic soup =FREE
-Shoprite 2 in 1 shampoo $1.88 used $1 coupon + $1 digital coupon giving me $.12 overage ➡plus $.50 back from savingstar
• 2 Musselmans Apple sauces $1 for both after $1 off 2 coupon
•jolly time popcorn 1.49 used $.75 coupon which doubled =free
Make sure to check and scan items at CVS. They have a lot of unmarked clearance items.
CVS Haul
OOP = $5.95 Got back $ 10 ECB + $1 from savingstar
•TRESemme keratin smooth hairspray clearance $1.69 ( used $4 off 2 MFC) =FREE
• Not Your Mothers beach babe set & primer & style extender clearance $1.99 each used $2 coupon in the beach babe set = $1.98 (Got $3 ECB for buying 2)
•Speed stick guys( 2/$7) girls (2/$6) had a buy 1 get 1 free for both = $6.50 (Got back $6 ECB for buy $12 worth)
• CVS nutritional shake $1.25 (got back $1 ECB )
• Palmolive soap $.99 used $.25 from cvs red machine $.25 MFC = $.49
• Rimmel nail polish half off = $1.49
•honey bunches of oat $1.99 each
used $5 ECB
Used $5/$15
trip #2 to CVS
OOP= FREE +MM $5 back from savingstar
•Suave shampoo/ conditioner rang up at $.94 ( used 2 x $1.50 coupons ) =FREE + overage +$1 saving star
•Centrum multigummies b1 get 1 50% off at $7.99 each (used 2 x $4 coupons) = $3.99 + $4 savingstar
•Colgate Optic White 2pk $2.49 (used $2 coupon )=$.49
-Used $3 ECB from my trip yesterday
Target: Found these Gingerbread Oreos in the holiday section for $.89. I went back to get more and they were already sent back to the vendor. nooooo :*(
Target: Belvita Cookies were $2.99. I used the carthweel app which had 50% off & used a $1 off 2 coupon making them $1 a box
Kelloggs Apple Cinnamon Cereal: $2.24 a box. Again used cartwheel with 30% off Kelloggs cereal making them $1.56 a box.
Shoprite: Used $2 coupon & $2 digital coupon for the Keri lotion making it a $.01 money maker , Dole Fruitocracy $1.88 > used $1 coupon = $.88 and my favorite, Pretzel Crisps used $1 digital coupon , they were on sale so I paid $.99.
So many great deals this month. I've been using SavingStar more lately. You should sign up too. Its free. All you do is add your store loyalty cards and click the offers you want. When you make a purchase in a day or two , the $ goes to your savingstar account. You cash out at $5.
Along with SavingStar, check out Ibotta. I had a coupon to get an item free & they had a rebate. I made $1.50 for buying it. They gave tons of rebates that always change , even fruits & vegetables.
Tip: Make sure you email your favorite companies. I love tribe hummus & asked if they had any coupons. They sent me 2 and I used them when I saw hummus on sale. I scored 2 for $.74 each!
Walgreens had this automatic spray kit for $4.99 ( $12.49 originally) on sale. I had a $3 coupon making it $1.99 , got $1 Register Reward to use on future purchase, + used Ibotta app and received $2 back
Earlier in the month Walgreens had Trolli gummies on sale for $.99 get $.99 register reward that I tried using on this purchase but I was able to stack the $3 coupon with the register reward so I ended up getting another bag of candy for free.
Make sure you download Ibotta … another great deal I got was a dozen eggs at the Dollar Tree. I received a $.50 rebate back by buying eggs. They reset it twice , so I was able to get 2 dozen eggs for $1!
Received this Xtava full coverage concealer for free to review. It didn't work as I was hoping. For me it did a better job on covering a blemish than it did on my whole face/ under eyes.