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Packin' Up the Wagon
What it means to 'pack the wagon' has changed over the past couple hundred years. Today, it might mean heading to the beach with floaties and beach bags. Two hundred years ago, though, packing your wagon meant fitting as many of your belongings and as much food as you could in a covered wagon. Think Oregon Trail. Think sleeping in a two-person tent with six people. Think staring at the back end of a horse all day long–that'll give a new meaning to the term road trip. When people first began moving to Michigan, before it was even called Michigan, these were the kinds of things they had to deal with in order to get here. Imagine wanting to go to Michigan that badly.
Getting a Feel for the Past
Settlers began coming to Michigan from the east between 1800 and 1830. First, they came by wagon and horseback, and then after the completion of the Erie Canal in 1825, many came by barge to Buffalo and then by steamboat to Detroit. From there, they again used land transportation to travel further inland. Many settlers also sailed by boat on the Great Lakes and settled in towns along the shores. After 1830, the population of Michigan grew very fast. See the growth in this chart:
Settlers began to move to the Northwest Territory of Michigan from the East for many reasons. Some came to buy inexpensive farm land, others to join relatives already here. A sense of adventure brought young and single men. Later (1840s+), they came to fill jobs (for example, recruiters went to large eastern cities or advertised in eastern newspapers for men to work in the mining and lumbering industries).
Visualize the Journey
- Students will make choices based on reason and practicality.
- Students will measure various objects and fit them into a defined space.
Key Components: You Will Need….
Removable tape or chalk; yard stick or ruler; objects that can be found in the classroom, brought from home or around the school–backpacks, lunchbags, jackets, shoes, desk chairs, basketballs, class pet, etc.
To Begin the Journey, We Must Assess the Space: Packing Means Prioritizing
Divide students into groups of 4-8, depending on the size of the class and the space available to work with. You will need enough space for each group to mark an area on the floor approximately the size of a wagon bed-about 10 to 12 feet long by 4 to 6 feet wide by 2 feet high. Use removable duct or masking tape or chalk to outline the area.
Ask the students imagine that they are members of a pioneer family coming to Michigan to buy a farm in 1830. Have students make up a family profile. How many people are in the family? What are their ages and sizes? Who does the most work, and who does the least? Who needs to eat the most, and who needs to eat the least?
Create a list of roles for each group. Different roles will have different decision-making tasks about what to bring. Each group might make up a different list, e.g., household items (coats & backpacks), tools to start farm (pencils, rulers?), children's things, clothing, etc. After lists are made, have groups report back and write lists on chalkboard.
Divide the items into three lists:
- Absolutely necessary—must take
- Things we would take if there is room, useful but could do without (e.g., a special piece of furniture);
- Fun items, toys, "extra" clothes.
With the measured area in sight, the class should come to an agreement on what will be included. What is a necessity? Do you need to bring your desk chairs? Or would a basketball be more appropriate? How about the class pet? Why? What things on the list can be left behind? Estimate the measurement of household items, tools, or measure similar items at home. Decide what will be taken so that all will fit, including people. Will everyone ride?
Communicating to the Crowd: Talk About It
1. How did you go about choosing what to take? If members of the group disagreed, how did you make the decision? How do you think the members of an early settlement family made their decisions?
2. Would settlers have taken livestock with them to Michigan?
3. Choose a year in settlement times (e.g., 1840). Find out how far people traveled in a day at that time. Decide how long it would have taken you to travel the same distance you would cover on a field trip from your school to the Michigan Historical Museum in Lansing.
At The Museum
- Besides bringing things with them, settlers brought their ideas, language, religions, styles of clothing and other ways of life with them to Michigan. Identify unique aspects of your community that may have come with early settlers. What do recent newcomers to our communities bring that enhance our lives?
- Notice the articles that were brought to Michigan by settlers, e.g., cradle, spinning wheel, farm tools. On the bus trip home, compile a list of those items with the students. Discuss what other items might the settlers have made after they arrived in Michigan. Why didn't they bring them (e.g., too large, didn't anticipate their need)?
- Try the "plank road ride." Discuss how it would feel and sound to ride over Michigan's plank roads for many hours. What were the advantages of plank roads over dirt roads in different types of weather?
- If you were moving to a Michigan town at a later time in history, what would you bring? How might those things differ from what the early pioneers brought? Why?
- Erie Canal: A waterway around 360 miles long constructed across central New York state from Albany to Buffalo used for travel and shipping. It is now part of the New York State Canals.
- Necessity: Something that cannot be done without.
Michigan Social Studies Curriculum Content Standards
This lesson presents an opportunity to address, in part, these standards:
- 2.3.3. GEOGRAPHIC PERSPECTIVE: Identify people, goods, services, and ideas in their community which have come from other places, and describe why they moved.
- 2.3.5. GEOGRAPHIC PERSPECTIVE: Describe the causes, consequences, routes, and movement of major migration in the United States.
- 3.4.2. CIVIC PERSPECTIVE: Describe fair ways for groups to make decisions.
- Andrist, Ralph K. The Erie Canal (An American Heritage Junior Library Book). Mahwah, NJ: Troll Associates, 1964.
- Dunbar, Willis F., and May, George S. Michigan: A History of the Wolverine State (Revised Ed.). Grand Rapids, MI: William B. Eerdmans Publishing Company, 1980.
- Millis, Wade. When Michigan Was Born. Michigan History Magazine, 36 (December, 1952), pp. 321-50.


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IanMoran wrote:joker10277 wrote:I have no problem with the trades. I do have a problem with the drafting and developement of any player that is not a dman, farm system is really bad on the forward side, really bad!
Kunitz / Neal prove that we should always go best available
Yeah, I really don't get why people would prefer to draft a less-talented and less-likely-to-succeed player simply because he is a forward and the Penguins "need" forwards now. There are a few things I don't get about this. First, most players the Penguins draft, regardless of position, are going to be several years away from the NHL. How can you draft based on need when you don't know what the needs will be in three or four years? Second, as you said, Kunitz and Neal are fantastic trade returns for defensemen many/most Penguins fans felt held little or no trade value. Third, the Penguins have Crosby and Malkin as forwards. While forward may be an area the Penguins lack in prospects, having these two young forwards, along with Neal, Kunitz, and Dupuis locked up long term reduces the need to target specific positions in the draft. Take the best player available regardless of position, and when the player becomes NHL-ready, if there's no room for him, trade him. Trust me, teams always are looking for young, talented defensemen on cheap entry-level contracts. It's not a hard sell.

subset: commoncrawl


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Two Mounties on the ground in Algeria are making "some progress" in their efforts to verify claims that a couple of Canadians had a role in a deadly gas plant attack in that country, a senior law enforcement official said late Friday.
While investigators have not been able to get access to bodies or key documents, they are discussing "coordination and cooperation" with Algerian authorities.
"We feel a lot better than when we got there," the official told Postmedia News.
The official acknowledged that Algeria is dealing with many priorities in the wake of the four-day siege last month at the In Amenas facility that left 37 hostages and 29 militants dead. Algerians have allowed representatives of some countries where the victims were from to get access to the bodies, the official said. The dead hostages included workers from Japan, the Philippines, the U.S. and Britain. None were from Canada.
"We're not the only country knocking on their door," the official said. Not wanting to jeopardize the case, the official declined to go into detail about the challenges RCMP investigators are facing or what they're doing to try to authenticate the claims, which were made by Algeria's prime minister.
Scott Stewart, a former U.S. State Department special agent, suggested in an interview that investigators could run into additional challenges, including fake identity documents, poorly collected evidence and badly decomposed bodies.
"When I was an agent, I worked a case on a jihadi suspect — he had 23 separate identities in his apartment," Stewart said. "They're encouraged to commit document fraud."
Sometimes, they will pick up and alter documents from their dead brethren, said Stewart, now a vice president at Stratfor, a private global intelligence firm in Austin, Texas.
It could also be that the militants in the Algeria attack were not carrying any documents on them at all, which, in the remote north African Sahel desert, is a very real possibility.
Further, if the attackers' bodies were badly damaged or decomposed, that could be making it difficult to compare fingerprints and photographs.
Investigators are also likely dealing with authorities who don't have the most sophisticated capabilities for evidence collection, Stewart said.
"It's not like this happened in London and they're trying to deal with Scotland Yard."
Experts said Canadian intelligence officials are likely liaising with their counterparts in the U.S., Britain and France on this file in case it turns out there's a network operating out of several countries.
Often times there are linkages, Stewart said. "You find out guy 'x' lived in Mississauga, who talked to guy 'y' in Brooklyn, who talked to guy 'z' in London," he said.
At a daily briefing Friday, a U.S. State Department spokeswoman, Victoria Nuland, said that the FBI was investigating the plant attack but did not offer any new information about what agents have found.
There have been conflicting accounts about the supposed Canadian militants. The Algerian prime minister reportedly said the Canadians were of Arab descent. However, a Wall Street Journal story cited three plant employees who recalled a "bearded, blond militant" assisting the ringleader of the group. That ringleader at one point boasted of the man's Canadian origins, one of the employees said.
An official for the Canadian federal government would only say Friday that authorities were still "trying to get any relevant information" to verify the claims of a Canadian connection.
The fact that there is no verification after almost two weeks may suggest the "smoking gun wasn't quite as smoking or can suggest there's something genuine to the story" and officials are intentionally saying little so they can pursue their investigative work, said Christian Leuprecht, a fellow at the Centre for International and Defence Policy at Queen's University and political science professor at Royal Military College.
If investigators do uncover a network, they'll want to "hit everyone at the same time across multiple countries," like a good drug operation, Leuprecht said.
A report by Reuters this week said U.S. intelligence officials were becoming concerned about "growing indications" that Westerners were travelling abroad to join militant factions "as part of a radicalization process."
However, Leuprecht said officials need to be careful not to make sweeping conclusions from a single incident and feed an "American paranoia that our borders are insecure and everything bad comes from Canada."
That said, acknowledged statements last year by Richard Fadden, director of Canada's spy agency, before a Senate committee, in which he stated that CSIS was "aware of at least 45 Canadians, possibly as many as 60" who have travelled or attempted to travel from Canada to Somalia, Afghanistan, Pakistan and Yemen to join al-Qaida-affiliated organizations and engage in terrorism-related activities.
"Clearly these individuals represent a threat both to the international community and to Canada, as some have or may eventually return to Canada after having acquired terrorism training or even having engaged directly in acts of terrorism," Fadden said.
An Associated Press report on Friday said the U.S. was struggling to deal with the new threats from Islamic extremists spreading across north Africa, where intelligence is not as well developed.
But concerns about growing threats in the region are not new.
In November 2011, a working group of the Global Counter Terrorism Forum met to discuss security concerns in the Sahel. Co-chaired by Canada and Algeria, the working group heard from a variety of experts about the region's porous borders, lack of coordination between security services, "growing links between regional terrorist organizations" and that "terrorism in the Sahel is global, not regional," according to a summary report.


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text: Tuesday, June 18, 2013 CMS Changes July 1 Functional Limitation Reporting Instructions for Current Patients In response to concerns raised by APTA, providers, and other stakeholders, CMS has changed its functional limitation reporting instructions for claims submitted for each patient's first visit on or after July 1, 2013. As a result of the change, therapy providers who have submitted functional limitation data (G-codes) on Medicare Part B patients prior to July 1 will not need to restart functional limitation reporting on the first date of service on or after July 1. Instead, for these patients only, therapists can wait to submit functional limitation data until the next required reporting interval (eg, at the patient's 10th visit or at discharge). However, for beneficiaries whose treatment began prior to July 1, but for whom functional limitation reporting information has not been submitted prior to July 1, therapists must submit data on the first claim with a date of service on or after July 1. Functional limitation data will be required for all new patients as of July 1. CMS notified APTA of this change via e-mail yesterday. For more information on functional limitation reporting, including updated FAQs and a list of measures identified for high-volume conditions, visit APTA's functional limitation reporting resource page. Comments HALLELUJAH!!!!! We were just discussing this this morning and it was developing into a scheduling nightmare! Thank you for the clarification. Posted by Angie on 6/18/2013 10:34 AM This is fantastic news! Thank you for the update. Posted by James Buchanan -> AJScEL on 6/19/2013 11:59 AM We are trying to determine New York status as to whether or not CMS has dropped the 30 day timeframe to report new G codes, OR if they can just be reported at 10th visit? Posted by Stephen W. Bassin,PT,DPT on 6/20/2013 11:46 AM Please clarify if the FLR pertains to Medicare Advantage plans such as Excellus, Humana, United Healthcare or strictly Medicare Part B patients only. Thanks for the update! Posted by DBSouthwick on 6/20/2013 4:07 PM Great news! It would have been such a problem for those of us who have been hard at work trying to implement these procedures for the last 6 months. Posted by Stella on 6/21/2013 5:00 PM On those patients who have not had G-code data submitted before July who have been receiving PT, do we submit progress data as they've been receiving PT vs. starting new G-code data even though they are not techically starting as new patients on July 1? Posted by Bruce Buley on 6/21/2013 5:11 PM Mahalo from South Kona Physical Therapy for this update. We've been working through the FLR on our WebPT program for over a month now and really hated to think of starting over again. Posted by Betty Fackler on 6/22/2013 12:33 AM Great news? Halleluja? Why are we providing statistical research unrelated to the primary focus of care we are providing in the first place? This provided CMS at no charge? Reduced reimbursement combined with 2 additional layers of examination and documentation. Posted by Gary on 6/24/2013 10:48 PM Anybody know if we need to do this CBOR stuff when Medicare B is secondary? Posted by Charles Kibbey on 6/27/2013 11:42 AM This will lead to the next step, managed care payment related to the functional limitation codes only. Every code will receive X amount of $$$, even the APTA playing into it with the new payment plans related to severity. Where do our clinical, patient individualized skills go, if we put patients in a limited amount of groups provided? It is dumbing down our professional, clinical knowledge and uncle Sam is loving it! And we want all PT's to have a doctorate to be recognized???? Posted by Caren on 6/29/2013 6:13 PM Thank You Gary & Caren for the 6/24 posts; I concur. Posted by Devra on 7/6/2013 12:55 AM


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What if you're nearing retirement age and can't stand the thought of leaving the work force? What are your choices?
Kerry Hannon, author of "Great Jobs for Everyone 50+: Finding Work that Keeps You Happy and Healthy … and Pays the Bills," is on a mission to help people find good and fulfilling retirement employment.
I invited Hannon, who writes the "Great Jobs for Retirees" column for AARP, to join me recently for an online discussion. I wasn't surprised that the hour-long chat didn't give her nearly enough time to answer all the questions that poured in. So Hannon offered to answer some offline.
Question: My spouse is 64 and lost his job last year, unemployment benefits ran out, no prospects on the horizon despite a few interviews. He hoped to delay Social Security until 66 for full benefits. He calculated and the difference if he waits is less than $200 a month, so it seems dumb to wait. But can he change his mind if he later finds a job, or will he be locked in to the lower amount? He had hoped to work until 70 as he is very healthy and has excellent male longevity in his family.
Hannon: I always advise people to delay starting benefits for as long as possible. Your Social Security benefits are increased by 8 percent a year (over the amount at full retirement age) for every year you postpone receiving checks between your full retirement age and age 70. For me, the difference between receiving benefits at 62 and 70 could wind up being about $1,000 a month.
Delaying Social Security paychecks can make a huge difference in your husband's lifetime, given his family's longevity. But everyone's personal situation depends on variables such as health, employment history and personal savings. There's no set age for starting to collect Social Security benefits that's right for everyone. There's no denying, however, that the later you decide to claim (up until age 70), the greater the potential benefits may be. A good place to start your research is on Next Avenue (a website for seniors) at www.nextavenue.org. Search for "Figure Out Early and Late Social Security Payment Benefits," an article by the Social Security Administration.
And yes, you can start and stop payments, but if your husband changes his mind about the decision to take Social Security, there are some things he needs to know about the rules for doing so. Go to Social Security Security's website to learn more: www.ssa.gov/retire2/withdrawal.htm.
Question: I'm 55 and have been in sales management my entire career at large consumer product companies. I've been searching for a new position but feel I'm being discriminated against because of my age. Are there part-time sales positions where I could utilize my skills but not work 40-plus hours? I don't want to work retail.
Hannon: I know what you mean about that feeling of someone looking at you and seeing your expiration date. Independent contracting is one solution. Just in the past year, the independent work force has grown to 16.9 million from 16 million, according to research by Herndon, Va.-based MBO Partners. Forty percent of those contractors are 50 and older, and 10 percent are older than 65.
According to Reuters, "Employers are getting more interested in contract workers, and only partly because of a reluctance to make full-time commitments. A survey (last year) by the Society for Human Resources and AARP showed more than 7 in 10 U.S. employers were concerned about the loss of talented older workers and that 30 percent were hiring retirees as consultants or for part-time jobs."
Check out job boards at business associations and small businesses for postings looking for someone on a flexible basis. There are also a growing number of temporary agencies, such as Flexforce Professionals, Momentum Resources or Experis.
Question: I am over 50 and was laid off last year. Are there really good job-hunting websites for people over 50?
Hannon: Try Workforce50.com, which offers employment and career resources. AARP.org/work has a list of Best Employers for Workers Over 50. RetiredBrains.com and Retirementjobs.com are sites also geared toward over-50 job seekers. RetireeWorkforce.com provides job postings and resume services, plus a database with flexible, seasonal, and full-time positions specifically for more experienced candidates.
Question: Do you think people should retire?
Hannon: It's great to keep working for lots of reasons: the mental engagement and, for many of us, the income boost. Working for income provides a safety net, and in today's work environment there are plenty of opportunities for flexible hours and schedules, part-time and seasonal jobs. But often health issues get in the way. The will may be there, but the body doesn't cooperate.
Singletary: I agree with Hannon. As she also writes in her book, if you're fortunate to be in good health, you should consider working as part of your retirement plan.
Michelle Singletary: firstname.lastname@example.com.
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If you are at risk for low blood sugar levels because of
diabetes or some other health condition, you need to keep with you at all times some type of food that can quickly raise your blood sugar level. Eating quick-sugar food puts glucose
into your bloodstream in about 5 minutes. Glucose or sucrose is the best choice.
Choose foods that contain about 15 grams of fast-acting carbohydrate. This table is just a guide. So check the nutrition label of the quick-sugar food you use to be sure it equals about 15 grams of carbohydrate.
These quick-sugar foods will help raise your blood sugar in an emergency, because they are made from almost all carbohydrate. If you use a food not on this list to treat your low blood sugar, be sure it does not contain fat or protein. These can slow how quickly your body absorbs the carbohydrate. For example, regular cake frosting is made with both sugar and fat. It is not a good choice as a quick-sugar food. Some clear cake frosting and clear cake gels are made without fat. But you should check the ingredients and the nutrition label to be sure. When in doubt, ask your doctor or registered dietitian.
CitationsAmerican Diabetes Association (2011). Carbs: Fast! Available online:
http://forecast.diabetes.org/diabetes-101/carbs-fast.Warshaw H, Kulkarni K (2011). The Complete Guide to Carb Counting, 3rd ed. Alexandria, VA: American Diabetes Association.American Diabetes Association (2010). Hypoglycemia. Available online: http://www.diabetes.org/living-with-diabetes/parents-and-kids/planet-d/new-to-diabetes/hypoglycemia.html.
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Value Quality Price
This is one best buy ever!!Product quality possibly the best in the market at the moment and the prices just unbeatable. Happy with my unit the hair is very shiny and smooth which is the look I am after, love it!!
Value Quality Price
- I'm a happy customer!
Received the unit fairly quickly. Quality of the hair so far is really good and I am pleasantly surprised considering the price. The unit has shed a little but nothing to the level of concern...just a few strands here and there when I rub my fingers through. The cap construction is on point. The Yaki texture is really nice....soft but with some texture that doesn't feel unnatural. Overall I would purchase this unit again though I would go for 180% density instead of the 150% I bought as I like a lot of volume...however 150% does give a more natural look. I would recommend this unit and so far this company. This is my 1st wig with this company but I have a couple more on the way. I hope they are as satisfactory as this one :-)
Price Value Quality
- Happy customer
I received the wig in a timely fashion. The quality of the hair is really really good and I am very happy with this unit So far. It does shed a little but nothing that would stop me from ordering the same unit again if I wanted to. All in all the unit looks really natural, construction is on point and I am a very happy customer so far.
Price Value Quality
- Beautiful wig & great company!
Shipping was fast by FedEx package, great quality hair ! Fiona was very professional & helped me with all of my questions & concerns. The wig is everything I expected.
Price Value Quality
- wig cap too big for me
The wig is great! Soft hair and I will order again. But my wig is too big....Thank goodness it was sewn on
Quality Price Value
- Extremely Satisfied
I received the wig a few days ago. I've dyed it and it's still just as soft as it was when it first arrived. So far there's been no matting or tangling and absolutely no shedding!! I have my fingers crossed that I'll still be just as satisfied with the quality of this wig going forward as I am right now, :)
Price Value Quality
- Description
Hair Type:100% Virgin Brazilian Hair
Hair Style: Light Yaki with Bangs
Image Color: Natural Color
Image Length:18in
Hair Density:150% (standard density)
Lace Color: Light Brown
Bleached Knots: Default 2inches at front
Lifetime: 4-8 months with proper care.
Quality: No shedding, no tangle, no lices,good quality hair
Wig ApplicationWig StylingWig Care❤ Thanks for watching, Hope this is helpful to you ❤
- Product Help
Hair Color
Actual hair fiber pictures appear different on different devices. Please use the below picture for reference only.
Malaysian Virgin Hair & Indian Virgin hair Natural Color & #613& #27 can be dyed to any color. But if you choose specific color, such as #1, #1b,#2...,
then this hair can not be dyed to lighter color than its original color,even it is made using virgin hair.
Brazilian Virgin Hair Natural Color Only can be dyed to Medium Colors, such as #1,#1B,#2,#4,#6,#8,
#12,#16,#27,#30,#33.If you choose specifice color ,such as #1b,#2...then it can not be dyed to lighter color than its original color.
(BTW: We strongly recommend not to dye the hair by yourself since the hair dye chemical will damage the hair cuticle, make the hair easy tangle and shedding. We are not responsible for any hair problem caused during dying.)
Hair Length
Please Note:
If you are ordering a curly wig, the hair length can be drawn up approximately 3-4" from the curl depending on how tight it is.For waves, it can draw up approximately 2-3". Therefore, you may wish to order a little longer for curly or wavy textures to accommodate the drawing up of the hair and to achieve the full length desired.
Cap Construction
1. 360 Glueless Lace Wig Cap
The wig cap is lace all-around and top are machine wefts. It has 4-4.5inches parting space at front and 2inches lace at back.It add adjustable strap at back, 3 combs in back and both side. ps:the front top comb which showing on below photos already been moved. It is convenient to wear and secure for application.It no need glue( or with a little glue), so as to be very suitable for customers who are allergic to glue. You also can wear it in high ponytail, High bun, updo, do many other hairstyles.
2. CapA Full Lace Wig Cap with Top Stretch
This wig cap has lace all around the perimeter, The crown is stretch lace, the other is swiss lace or French lace. You can wear your hair in updos and high ponytails. It need to be worn with Glue, when glued down, it will give you a natural hairline all around the perimeter. It can be parted anywhere throughout the unit.
3. CapB Glueless Full Lace Wig Cap with Top Stretch
This Wig Cap is a bit like CapA, It add adjustable strap at back, combs in front top, back and both side. It is convenient to wear and secure for application.It no need glue( or with a little glue), so as to be very suitable for customers who are allergic to glue. It can be parted anywhere throughout the unit.
4. CapC Glueless Full Lace Wig Cap
This Wig Cap is a bit like CapB, It also has adjustable strap at back, combs in front top, back and both side. It no need glue( or with a little glue), But itadd Metal Strips by two side ,make the wig more stable. It can be parted anywhere throughout the unit.
5. CapD Glueless Lace Front Cap With Stretch Back
This Wig Cap is Lace Front Wig Cap, It has 4-4.5inches of lace at front, The back is stretch with machine wefts. It also has adjustable strap at backand four combs on it .You can't wear it in high ponytail, Only 4-4.5 inches lace you can part it at front. It no need glue( or with a little glue).
6. CapE Glueless Lace Front Wig Cap
This Wig Cap is similar to CapD, It has 4-4.5inches of lace at front, the other is machine wefts. It also has adjustable strap at back and four combs on it .You can't wear it in high ponytail, Only 4-4.5 inches lace you can part it at front. It no need glue( or with a little glue).
7. CapF U Part Lace Front Wig Cap
This Wig Cap is made by machine wefts, There is only a U part lace area and no excessive lace at front. We can do it as middle part or sidepart, The other is machine wefts. It has one comb at front and one at back, It also has adjustable strap at back, It is chepar than other wig cap.
Cap Size
Here is the cap size for OMGQueen wigs. Our fitted caps are true to size but rarely, will run slightly smaller/bigger.
Small Medium(Average) Large Circumference 21.5in 22.5in 23in Front to Nape 14.5in 15in 15in Ear to Ear across forehead 12in 12.5in 12.5in Ear to Ear over Top 12.5in 13in 13in Temple to Temple Round Back 15.3in 15.5in 15.5in Nape of Neck 5in 5.5in 5.5in
Hair Density
Hair density is simply how many hairs are added to your hair system base.Our stock full lace wigs and lace front wigs are 130% density (default ).Some Celebrity Wig density is higher than standard stock density, Usually we have noted it on our website .We can custom other density wig as our customer request. However, your choice will depend on your styling preferences and individual profile. Most women can achieve a naturalappearance with our stock density wig.
Lace Color
All Hair have 1inches area bleached knots at front for closure,frontal and Wigs, So please DO NOT BLEACH the knots again, Otherwise bring a series of problems, we are not irresponsible!
The lace color is to match your scalp complexion not your skin tone. So you need to part your hair and see your scalp color then determine your lace color.Below info is Guidelines ,you can see it as reference.
Dark Brown: For the darkest scalp tone, Such as Naomi Campbell, Serena Williams, Kelly Rowland.
Medium Brown: For Beige scalp tones ,Such as Ciara, Eva Mendez, Eva Longoria.
Light Brown: For Light Brown scalp tones, Such as Tyra Banks, Beyonce, Rihanna.
White: For White, Off White or Cream Scalp tones. Such as Liv Tyler, Jessica Simpson.
All stock wig is normal hairline ,If you want the widow peak hairline ,it need about 4-6 days to process it :)
Baby Hair
All our stock wigs have baby hair all around perimeter by default, Some celebrity wigs have no. If you dislike the baby hair, we need about 30-35 days to custom for you. We suggest you choose baby hair, Because it can give you more natural apprearence.
Here is the picture of the wig with baby hair.
- Shippment & Return
Please Kindly Noted:
1. Total Delivery Time = Processing Time + Shipping Time
2. Normally, Processing time is 1-2 working days for your stock order before shipped.
3. For e-Packet, it need 15-25 working days to dispatch. For any P.O.Box/APO/FPO address, the shipping time is 7-15 business days.We don't recommend e-Packet and P.O box address shipping.
4. We will mark All orders as "Gift" or "Hair Sample" on the invoice to avoid custom charge. Usually, your order will not be charged a custom fee, but your local custom will check your package randomly, Sometimes there will be custom charge which we are not responsible for the custom charge. We apologize for any inconvenience, but this kind of things is out of our control, hope you can understand that.
5. We will send you Tracking No. by our system email when your order is shipped out.
6. Your order will be shipped to your confirmed PayPal address and your shipping address on the website should be as same as your confirmed PayPal address.
7.Signature for Package. It is strongly recommended A Signature for your package. If you authorize DHL or FedEx to leave the package at your address WITHOUT Signature . We won't be responsible for any package loss or damage.
We always try our best to make our customer satisfied, If you do not absolutely love your purchase, we are pleased to offer a return or exchange service for you. We are more than happy to accommodate exchanges & returns of the hair that have NOT been washed, tampered, altered and the lace have NOT been cut. Since Human hair is hygienic product. For the hygiene and public safety problem, we DO NOT ALLOW used items to be returned.
You must contact us first (at [email protected] with hair pics) within the 45 days period of receiving your order.
We will provide you with our return address and tell you something should be pay attention to when
you ship back the package to us. Please put your order No. and email on the package, after we
received your package, We will contact you the first time and arrange return/exchange for you.
1. NO Return & Exchange for customized hair & clearance products.
2. Only one time free exchange can be allowed. If you just requst to return the order, we will only deduct $19 freight
after we receive the unused product.(BTW, Customized order can't be allowed to return or exchange. )
3.Buyer is responsible for all return or exchange shipping costs, we do not accept the return package
by freight collect and we recommend that you send your return with a tracking number because We
will NOT be responsible for lost return package.
4. We so not accept the return packages without our Return Authorization. You need to email us
and get permission before do the exchange or return, If your hair is not be premised to exchange
or return, we will return the hair to you at your cost.
5.For hair extensions, in its original box, clearly untouched, unworn and odor-free-you can be removed from their box and held up to your hair to ensure correct colour, but the seal around the wefts cannot be broken.
all hair extensions which has been used can't be exchanged or return.
In some case, our customers need the hair urgently, we provide Fast Exchange to our customers in here.
1.Please place a new order you want before you sent the hair to us, we will ship your new hair ASAP.
2.We will give you a full refund for your returned order after we received the returned package.Please note, the returned product should be new ,unused Or we can't accept.
Repair Policy
Repair Type:
1.Detangle&Restyle the hair curl pattern
2.increase hair density
3.Repair shedding closure/wig.
Repair Charge:
1.Shipping Costs on Repair Service: The freight Back and forth will be paid by Customers.
2.Repair Fees: contact us for [email protected]
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For the 2019 *fiscal year, Judge Victor L Horton has disposed 248 cases at the Office of Disability Adjudication and Review (ODAR) in Springfield Mo, Missouri. Out of those 248 dispostions, 27 were dismissed, 61 were approved and 160 were denied. This means that the percentage of dispositions that Judge Horton has approved in Springfield Mo for the 2019 fiscal year is 25%. The information below for Judge Victor L Horton was last updated on 6/11/2019.
Please Note: This site is privately owned and is not administered by or affiliated with the Social Security Administration.
DO NOT SHARE PERSONAL INFORMATION. These comments are public and are not sent to the SSA, ODAR or the Judge.
The judge might see these comments if he/she views this page, so think before you post. If you need a post removed, please use the "contact us" form on this site. All comments require a valid email address, and your comment will not be made public until you verify your post via email.
SSA, Springfield Mo ODAR Office2143 East Primrose Avenue, Suite CSpringfield, Missouri 65807Phone: (888) 472-2404Fax: (417) 890-9746eFile Fax: 877-389-4215


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Stores, Cafe, Coffeebar A hidden pearl next to Östersund's central bus station on Hamngatan 19. Here you will find our Specialty CoffeeBar, Artisan Roastery and Coffee Boutique. The CoffeeBar has many ... Read more
Restaurants A restaurant in a theater environment you shouldn´t miss. We offer a restaurant experience you wont't forget! Enjoy our wine bar and our deli counter. Read more
Restaurants Japanese restaurant with sushi, sukiyaki and Korean hot dishes. Generous buffet lunch, also take-away. Fully licensed, exclusive atmophere. Open every day. Read more
Museum Exhibits tell of the city's earliest history, including the Royal Charter for the foundation of the city, and the exhibition Vår lilla stad (Our small city), which tells the sto... Read more
Restaurants, Take Away We focus on beer from craft breweries worldwide, and pizzas baked on sourdough. With high-quality raw materials, we welcome you to the table. Read more
Bar, Restaurants Östersund's hottest playground where you follow exciting sports, eat good food and meet lovely people. Read more
Shopping, Cafe Wonderful tastes and heavenly aromas in a handpicked assortment of chocolates, coffee, tea, confectionery, cigars and other local products. Read more
Restaurants Local & organic "soul food". Music & culture on stage, nice hang in Lagerbaren and in the courtyard. Appointed to this year's Sustainable Restaurant. Recommended by the White Gu... Read more
Cafe, Restaurants, Take Away [...] Food, music, art and culture in a lovely mix. Tasty sustainable food from Slaktarn, Oviken Ost, Örtagård Öst, Östersunds Kafferosteri, Frejas Bakeri, Bakgården in Revsund and Ån... Read more
Cafe, Restaurants, Other activities A little more than a cafe, a little more than an interior design store. Freshly squeezed juices, homemade goodies, always with focus on health and sustainability. Read more
Restaurants, Bar Located in a old garage you will find Jazzkökets bar Lagerbaren. As the only bar in Östersund, Lagerbaren was recently recommended by White Guide as one of 65 top cocktailbars i... Read more
Stores, Restaurants, Take Away [...] Welcome to our food hall with vegetarian options. Read more
Restaurants, Bar A stone's throw from the square lies this gem of restaurants in Östersund! Inspiration, innovation and carefully selected high quality ingredients char Food, cocktails, lounge... Read more
Restaurants You can find Tegel Restaurant & Bar in the heart of Östersund. With great passion for food, drinks and service. Classic Menu in a cosy environment. Open daily. Read more
Sightseeing/Excursions, Animals, Nature Wild Jämtland gives you a genuine and different wildlife experience. Watch bears and other preditors closely from a safe, comfortable and well-hidden spot. Welcome! Read more
Restaurants The Arenarestaurant is located in Östersund Arena, and offers a lunch buffet and cafe seven days a week. Conferences, events, catering, sports bar. Read more
Restaurants Enjoy the delicious flavors, service, environmentally and socially during crystal crown glow. Sir Winstons World of Wine. Elegant environment inspired by Winston Churchill's vi... Read more
Restaurants Widely known for the atmosphere, good food and a suitable drink. Bar, cozy atmosphere, wide beverage selection, menu of familiar dishes with very local ingridients. Open every day. Read more
Restaurants Currently Closed H E I M Food Studio is Östersund's latest tavern / wine bar / event venue and an exciting place for sustainable food development. Four days a week, Wednes... Read more
Restaurants Kitchen & Table - a new popular restaurant signed Marcus Samuelsson. Influences from Manhattan in combination with local groceries from the county of Jämtland. Personal atmosph... Read more


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- Special designer print case with unique and high quality printing on the surface.
- Complete Protection: Thin, light & durable polycarbonate case protects from scratches and drops. The raised lip on the case sides offers screen protection. The case is seamlessly precision moulded with no sharp edges.
- Can be customized as per your requirement. Please leave a note while placing the order.Our Printing technology results in high resolution designs that cover are permanently embedded into the case, ensuring no peeling, chipping or wearing off, ever!
- Full Button & Port Access: Precision cut-outs on this case leave all buttons, ports, speakers and microphones completely open. This case is 100% compatible with your regular charger and headphones.
- This case is available in many amazing designs and is comfortable and easy to use with excellent grip.


text: Monday, September 17, 2012 FDA Encourages Reporting of Burns Caused by OTC Topical Pain Relievers The US Food and Drug Administration (FDA) is encouraging health care providers to report adverse events involving over-the-counter (OTC) topical muscle and joint pain relievers to the FDA MedWatch program. Last week, FDA alerted the public that certain OTC products that are applied to the skin for the relief of mild muscle and joint pain have been reported to cause rare cases of serious skin injuries, ranging from first- to third-degree chemical burns, where the products were applied. These OTC topical muscle and joint pain relievers are available as single- or combination-ingredient products that contain menthol, methyl salicylate, or capsaicin. Based on the reported cases, the majority of second- and third-degree burns occurred with the use of products containing menthol as the single active ingredient, and products containing both menthol and methyl salicylate in concentrations greater than 3% menthol and 10% methyl salicylate. The various formulations include creams, lotions, ointments, and patches. The products are marketed under various brand names, such as, Bengay, Capzasin, Flexall, Icy Hot, and Mentholatum.


text:
Events Calendar - Legacy [x], Medical Center [x], School of Medicine [x]
- day:
- Thursday
- date:
- 04/04/2013
- time:
- event:
- Seminar - A Few Small Approaches to Study Secretory Dynamics from Endocrine Tissue
- location:
- Chemistry 304
- type:
- Seminar
- department:
- Research-Office
- audience:
- Faculty Students
- details:
- It is understood that acute insulin secretion is altered or abolished in the disease states of obesity, insulin resistance, and diabetes. However, much less is known about the acute endocrine function of adipose tissue (fat), since current methods are insufficient to interrogate dynamics. We propose to replace large-scale sampling methods (Petri dishes or well-plates) with simple microfluidic systems that can interrogate much smaller samples of tissue. As such, we must develop compatible assays for hormone quantitation in these small volumes. In this work, I will discuss how we have broadened our capabilities in studying hormone secretion from intact tissue such as adipocytes and pancreatic islets.
We first applied microfluidic aqueous-in-oil droplet formation (~0.5 nL droplets) to sample and measure zinc secretions from single murine pancreatic islets at high temporal resolution (~1 s). To assay proteins in such small volumes, we have recently developed proximity immunoassays that employ fluorescence resonance energy transfer (pFRET). Our insulin pFRET is capable of direct detection of 300 pM insulin, and it was recently combined with microfluidic droplet sampling to monitor secretions in real time from as few as 12 pancreatic islets during glucose stimulation and pharmacological treatments. Microfluidic secretion sampling from 3D cultures of fat tissue (adipocytes) was shown functional, and we are currently working to combine this system with droplet sampling and pFRET assays for leptin and adiponectin. While we are interested in uncovering the nature of rapid adipokine secretion, this integrated system should provide a unique and generalizable platform for interrogating the dynamics of hormone secretion from various types of tissue at small scales.
In addition, we have developed an electrochemical proximity assay (ECPA) capable of direct detection of proteins at femtomolar concentrations. ECPA can directly assay insulin in 20-fold diluted mouse serum (unspiked), and our reusable ECPA approach was proven functional for real-time interrogation of insulin secretion from <20 islets at ~5-7 minute temporal resolution. This method is extremely flexible, capable of detecting a wide variety of protein targets, and is amenable to point-of-care protein measurement, since any target with two aptamers or antibodies could be assayed via direct electrochemical readout.
- isCME:
- No
- speakers:
- Christopher J. Easley, Ph.D., Department of Chemistry and Biochemistry, Auburn University
- registration:
- No registration is necessary
- contact:
- James Landers Chemistry 434-243-8658 firstname.lastname@example.com


text:
Call positive plumbing for toilet repairs and installations in Poltalloch. Our Plumbers works 7 days a week and in emergency Toilet Repairs rapid response rate !!!
Toilet repairing can be a hassle, especially when you have other important work piled up. Cleaning of toilets are understandable, you don't require any SUCH techniques to clean them, all you need is some basic tools and of course a common sense. However when it comes to repairing of toilets it can't be as handy as it may sound. We assure you that it gets annoying and frustrating for most of the people because fixing of toilets taps, drain cleaning, proper adjustment of bath taps, repairing of toilets seats etc. requires a set of expertise coupled with latest tools, equipment and machines.
We are a company of professional and certified plumbers, residing in Poltalloch. We have years of experience in providing satisfactory plumbing services to our customers. Our company is licensed under the legal terms and conditions of the state required for providing plumbing services. We at Positive plumbing understand the struggle, needs and requirements of the customers and thus provide reliable toilet repairing services. Our services are widespread we provide services in almost all the parts of Poltalloch, Australia.
We have all the common and most required toilet repair parts and tools used in toilet repairing. You don't have to worry about from where to get the parts of your affected toilet section. Once you hire us , we take everything on board and provide a complete package which includes identification of repairing needs, best solutions available, choosing the right tools and of course the toilet parts needed. We always use the top quality brands for parts replaced, you can also choose from a variety of brands we use for the parts you want. Our services are available 24 hours a day, 7 days a week. If you have any queries or want us to get your toilet repair then don't hesitate to call us on 1800 502 986. We have the best solutions available at hand at the most affordable price. Get your price quotes on call and decide on the exact services you require. Our services are not limited to small scale projects we offer our services in both residential and commercial sectors.
If you have any emergency situation, such as excessive water flow, blockage in the toilet drains, water blockage in toilet taps, then contact us as we also provide same day emergency services. Here are some of the tools required and mostly used in toilet repairing we have everything on board for all sort of emergency situations.
These are some of the common tools used in toilet cleaning and repairing.
We also offer new parts and full renovation of toilets by installing toilet seats, tub, taps etc. Share your concerns with us and we will definitely get back to you.


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Winning public arguments isn't nearly as hard as you might think, though the Republicans don't seem to get it. The Republicans make the mistake of treating politics like an intellectual discussion. It's not. It's a "yo mama so fat" contest on steroids. Statistics, detailed plans, subtle points of logic... all meaningless. The zinger, the soundbite and the "that sounds great" moment are the keys to victory.
A lot of people on our side don't get this. They actually think the public will take the time to think through arguments, to consider each side carefully, to examine the long term effects, to do their own research to verify facts, and then to come to a reasoned conclusion. Good grief. Let's be honest. The public are morons. They don't know anything. They don't process. They don't stop and think. AND THEY DON'T CARE. They want an easy answer.
So what does this mean? It means that we need to learn to present our arguments in much simpler and punchier ways, ways the public can digest immediately and which will tell them how our plan will directly make their lives better.
It also means we don't need to be as "truthful" as Republicans like to be. There is no reason to go into details on policies or even to explain what we really want. You just need to find the right promise to sell it. Obama never said how he was going to reform healthcare, he just said, "I'm going to fix it. . . I'm going to make sure you have it. . . I'm going to make sure it can't be taken away." That was his sales pitch and it worked. It blew away the Republican response of "we'll remove barriers between the states to allow insurance carriers to compete." Where in that laughable sales pitch does it ever tell a normal American how this will help them? Obama's does: YOU will have healthcare. The Republican response doesn't: INSURANCE COMPANIES will get more business. See the problem? Obama's plan is easy to understand and has a direct benefit to anyone listening, the Republican plan requires the listener to work out all the missing steps and even then doesn't actually promise them any guaranteed change. Obama wins.
In fact, the only thing which stopped Obama from winning this debate, believe it or not, was that Sarah Palin found a better zinger to take Obama's sales pitch apart: "Death panels." Notice how the argument is simple, memorable, meaningful, and personalized: Obama's plan will let you die when you get really sick.
And the key word there are meaningful and personal. In other words, AVERAGE people (not bubble conservatives) could understand this, believe it and think it's important TO THEM. This is why calling Obama a socialist is stupid. For one thing, no one outside the bubble believes it because he doesn't talk like it and his policies aren't obviously socialist. For another, it's not meaningful because no average voter knows what his being a socialist will mean to them and they can't see how that would change their lives in the least.
Anyway, this is the first lesson: drop the lectures and learn to speak in soundbites that are simple, easy to understand and which are meaningful to the average voter personally. And the big key is to come up with sales pitches that tell people how our policies will directly affect their lives. . . not some vague assurance that it will all work itself out if we do nothing.
Now, here's the second lesson for the day. If you want to get voters to like you, you need to present an image that they associate with. Right now, the Republican Party likes to project an image from Norman Rockwell. . . a white, nuclear family from the 1950s with a stay at home mom, two smiling kids and a patriotic dad. That's not how Americans like to see themselves, folks. Americans idolize the outsider. . . the underdog. . . the rebel. . . the free spirit. . . the risk taker. . . the rule breaker. So if you want voters to like you, you need to learn to frame your policies as supporting the underdog, the outsider, the rebel. Avoid sounding stuffy or rigid or status quo.
Now our final lesson. Americans love freedom. If you want to win, you ALWAYS need to frame your argument in terms of enhancing personal freedom. Now you and I know that in our world, you can't give one person "freedom" without taking it from another. But that's not the point. The point is that the public will side with the person who can best frame their argument as a matter of freedom. That's why gay marriage and marijuana laws are inevitable, because they've been presented as a matter of personal freedom with no rebuttal about anyone losing their freedom. Americans will always opt for more freedom. . . that needs to be the focal point of any sales pitch.
To sum this up, the point is simple. Before we even get into policy, we need to change the way conservatives deliver their message. Stop trying to win the public with debating skills and instead learn the art of the soundbite and the quip. Sell policies to people as enhancing freedom and make sure they know how this will change their lives. And remember that to be seen as something people want to join, you need to present an image that makes them want to join.


text:
Diethanolamine (DEA) is a common wetting agent used in shampoos, skin care and cosmetics. It creates a rich lather in shampoos and produces a nice consistency in skin care. On its own, it is harmless, but when combined with other ingredients in a shampoo, cream or lotion, it reacts to produce nitrosodiethanolamine (NDEA), an extremely carcinogenic compound which can easily be absorbed through the skin. It has been linked to stomach, bladder and intestinal cancers.
Avoid products with these ingredients:
- Cocamide DEA or Cocamide Diethanolamine
- DEA Lauryl Sulfate or Diethanolamine Lauryl Sulfate
- Lauramide DEA or Lauramide Diethanolamine
- Linoleamide DEA or Linoleamide Diethanolamine
- Oleamide DEA or Oleamide Diethanolamine
- Any product containing TEA or Triethanolamine
Skin Deep ranks this ingredient with a safety score of 8 (high hazard) and rightly so.


text: The data relating to real estate for sale on this website comes in part from the Resort Data Exchange program of the Vail Board of REALTORS®. Real estate listings belonging to brokerage firms other than Villages Real Estate are marked with the RDX logo or icon. The detailed information about them includes the listing brokers name.


text:
This is the first time I have ordered from your site and the experience was GREAT!!! I have checked many other art supply Web sites and besides having SUPER prices, your web site is easy to use, doesn't require excessive paging around, allows you to save favorites, addresses, etc. In short, it is very well done. I'll be back and will tell all my art friends. Good job!
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3M was founded in 1902 at the Lake Superior town of Two Harbors, Minnesota. Five businessmen set out to mine a mineral deposit for grinding-wheel abrasives. But the deposits proved to be of little value, and the new Minnesota Mining and Manufacturing Co. quickly moved to nearby Duluth to focus on sandpaper products.
Today, 3M is a global innovation company that never stops inventing. Over the years, 3M innovations have improved daily life for hundreds of millions of people all over the world. They have made driving at night easier, made buildings safer, and made consumer electronics lighter, less energy-intensive and less harmful to the environment. 3M even helped put a man on the moon. Every day at 3M, one idea always leads to the next, igniting momentum to make progress possible around the world.
3M still produces sandpaper, as well as other products invaluable to the artist, such as spray adhesives, tape, and more. [ visit manufacturer website ]
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Wills 4 Less Lincolnshire - Are you Protected?
Are you looking for a reliable, professional will writing company Lincolnshire that can assist you in your Will writing?
Our organisation is one of the finest and we ensure making your Will is simple for you; at affordable costs, including free and secure storage. As part of our objectives, we value openness, social responsibility, honesty, and caring for our clients is the core of all the services we offer.
Why You Should Make a Will Lincolnshire?
Usually, a Will is a legal document where you dictate what you would wish to happen to your assets, including property, money, possessions, investments, and children, in case you die.
If you live in Wales and you pass away without having a valid legal bestowal, the government will have the authority over the distribution of your assets. Also, other people will be free to make decisions, to their benefit, on who to take care and educate your children under the age of 18 years.
Your essential must do's - When Making A Will!
Making a Will Lincolnshire is also essential as it can assist in preventing circumstances such as disputes over the inheritance. It is a typical situation where individual take their blood brothers or sisters, or even their remaining parent to court to inherit particular assets or investments.
To prevent such incidences; therefore, you should write a legacy and bestow your possessions to your children according to your wish and desire.
Why use Wills 4 Less Lincolnshire?
- Approved and dedicated will writers Lincolnshire
- Cost effective service
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- Fast appointments
- Simple no complicated process
- We write thousands of wills each year
What to Consider, When Writing a Will Lincolnshire
Writing a professional Will Lincolnshire is significant, but you should decide cautiously on the person to take care of your Estate after you pass away.
Choosing an excellent executor will assure you that your wishes and bestowing will be executed according to your desire and will.
Before writing a Will, you should consider the value of the properties you own, including savings, cars, and furniture.
Also, acknowledge your homes, business entities or even property abroad, and the legacy should outline the individual to receive them after you are gone.
Trust and Trustees
Most people are not aware of the responsibilities of trustees, and they often ignore to appoint them when writing the Will: they are individuals you trust to look after your property for the benefit of your family members, including children below 18 years.
The reason behind writing a Will is to ensure that your loved ones inherit your possessions you worked hard to obtain. You should determine carefully on how your property will be divided and who should inherit what.
The beneficiaries may include your children; wife or wives; close relatives, such as aunts, uncles, and grandchildren; friends or co-workers or any other person you may wish.
Usually, if you have young kids, you should choose the person who is to take care of them until they attain the adult age, for most states is 18 years.
Therefore, it is reassuring to understand that you have the right to appoint an official guardian of your choice for your children in the Will.
Your Letter of Wishes
An Expression of Wishes, also known as the Letter of Wishes is a document you write when making a Will, and it is given to the executor, the trustee, or kept together with your inheritance document for secure storage.
The letter remains as a private record of wishes while a Will is a public document if the bestowing process requires a court probate hearing.
Other things you should consider when writing a Will includes; gifts or donation to charity, whether specific, residual or financial contributions; funeral wishes; and your pets.
Range of services available Lincolnshire
A Single Will
A Single Will is an Online Will writing which is for any person, who want to bequeath his or her possessions, for himself only. The specialists in our law firm help you to make the legacy by guiding you on the simple steps; therefore, making the process quick. Also, we assign you with an adviser who will discuss your wishes and help you to establish a document that is right for you and your situations.
All our professional Will writers are members of the Society of Will Writers, and they ensure that your document is drawn up uniquely.
To make a Single Will; however, you need to be above 18 years of age and of right mind for the arrangement to be legally binding. Typically, you can also write the inheritance if you are married; including civil partnership; widowed; cohabiting; divorced or separated.
If you and your partner in a marriage want to write a Bequest but have different desires and wishes, then two Single Wills are suitable than the Joint Will. Most people may not be able to follow the instruction or filling the forms in the writing process; hence, booking a telephone appointment with our Will writers is more convenient.
The Process of Writing a Single Will
By clicking on 'start your Will' icon on our web page, you will be redirected to our secure Will writing service questionnaire. It is a free-trial process, and you can opt out to take a break, and sign in later to resume on your saved information.
Usually, we use straightforward questions, but if you do not have the answers right away, you can sign out and fill the data later.
Also, if you need assistance when making a Single Will, our customer care desk or the Live Chart team will be available to answer all the questions you might be having.
After you finish writing the Single Will and you submit the document, it is at this point we will charge you, and you can download the form for signing.
Mirror Wills
The Mirror Will is excellent for couple or individuals closely related, and the persons have similar wishes and desires on how and what to include in the document. In the writing process, our professional Will writers will e-mail to update you on any adjustment which has been made.
The benefits of the Mirror Wills are that it is less expensive to make than in separate Single Wills and it takes care of significant issues in the family, including the beneficiaries of the inheritance and the executors.
Tenant in Common
Most couples own homes as Joint Tenants; hence, have the freedom of retaining the house together and of protecting and taking care of the house as partners. Therefore, if one of the partners passes away, the property falls under the ownership of the remaining party according to the Joint Tenant Agreement.
However, a Tenant in Common is flexible and allows the individuals to share the property; for instance, 50% ownership or any other percentage they may agree. Here, the partner has the right to bestow the home to another person, whoever they wish, other than the Joint Tenant.
Changing Property Ownership
Lasting Power of Attorney
Yes, it is essential to have a written Will. For instance, if you are a resident of England and you die without having a document that specifies the distribution of your assets, your possessions will be under the authority of the government which will dictate who to inherit what. Importantly, the state may also decide to fund other projects such as crowns instead of distributing your estates to your children.
When making a will, you need to submit details, including your full names and addresses, titles of the executors, the location and a complete description of all the assets, and the particulars of the minor children before your death.
It is advisable to choose a trustworthy person, and it is wise to appoint more than one person, especially in high valued estates.
After writing your Will, it is worthwhile to review it once or twice after every five years, to make the adjustments; for example, the number of the grandchildren have changed, or the value of your assets has declined on increased.
To ensure that the persons benefit from the inheritance, you should consider establishing a Trust so that they can receive the revenue regularly rather than a lump-sum.
Your Will remains valid until you get married, marrying invalidates your previous legacy, and you should make another immediately, or your possessions will be subject to intestacy policies.
No, making a Will is flexible, and you can make it individually, or you can request the assistance of a professional Will writer.
According to the UK's statutes, when a person signs a Will, there have to be two independent adults, above 18 years old, to witness the event for it to be valid and enforceable in a court of law.


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Women's T-Shirts
Customized Womens Shirts For Every Occasion
A promotional woman's t shirt is one of the most versatile promotional products on the market today and it's easy to see why. A promotional woman's t shirt is a great product for both the organization giving it away and for the recipient. Those shopping for a promotional giveaway will find personalized t shirts in every style, color, and material, thus making it an ideal item for a wide range of events. In fact, from trade shows and conferences to company picnics and summer camps, you can't go with customized womens shirts. At any of the aforementioned events, t shirts serve as a unifying force, giving attendees a cohesive look while also providing exposure for your company name and your message. As a promotional woman's t shirt is likely to receive a large number of impressions, it is an incredibly efficient and effecting advertising piece.
Personalized Shirts for Women
In addition to the fact that a promotional woman's t shirt is great for the distributor, it's ideal for the recipient, too. Whether you choose a promotional woman's t shirt made of cotton, polyester, or a blended fabric, recipients will love the comfort and breathability. And, recipients can wear their personalized shirts year-round; throw on a short-sleeved tee with a pair of shorts to stay cool during the summer or layer a long-sleeved shirt under a heavy sweater for warmth throughout the winter. While the classic crew neck promotional woman's t shirt works well as a layering piece, you can also find more unique options like V-neck tees, scoop neck t shirts and even ringer shirts with contrasting cuffs. Whatever style you choose, you can find it with a brand name label. In fact, Pinnacle Promotions offers a wide range of brand name styles, including Hanes®, District Threads, Sport-Tek®, Alternative Apparel, and Bella because we understand the importance of distributing top notch products that are built to last. Customizing these personalized shirts and distributing them to your target audience shows your recipients that you care about quality and durability. After receiving a high quality promotional woman's t shirt, recipients will likely associate this same attribute with your brand.
Promotional Woman's T Shirt: Reasons to go the Extra Mile
By this point, you might be wondering what benefits a promotional woman's t shirt can offer you that you wouldn't derive from distributing more traditional, unisex logo apparel. Customized womens shirts are made specifically to fit a woman's body, thus lending to a cleaner and more polished look. Furthermore, personalized shirts made for women are often trendier and more stylish than basic tees. As a result, your female recipients will be more likely to wear these shirts around town while running errands of lunching with a friend. Everyone with whom the wearer comes into contact will see your company name and logo imprinted on the recipient's shirt. In addition, your female recipients will find the promotional woman's t shirt thoughtful and appreciate that you went the extra mile to personalize a product just for them.


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Defining a N&S Observation
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In this section we outline a few definitions and features of a GMOS Nod & Shuffle observation.
Cycle: A Nod & Shuffle cycle is defined as the smallest useful quantity in the Nod & Shuffle exposure. In theory, this is one exposure in the target position and one exposure in the sky position.
A = B: The exposure time in the target position during one cycle is defined as A. The exposure time in the sky position during one cycle is defined as B. For Nod & Shuffle observations with GMOS the exposure time A will always be equal to B.
A is even: Because of the slightly uneven performance of the GMOS blade-type shutter, Nod & Shuffle exposures are always taken in pairs in order to preserve photometry. Therefore, the exposure time A must be an even integer number of seconds.
B/2, A/2, A/2, B/2: In order to obtain the best sky subtraction, the sky exposure brackets the target exposure. Therefore, each Nod & Shuffle cycle with exposure time A is composed of 4 equal length sub-exposures taken in the following order - sky, object, object, sky.
Observation: A Nod & Shuffle observation is defined to have a set number of cycles, each with observing time A. Therefore, the total observing time (total open shutter time) for a Nod & Shuffle observation with a number of cycles C is equal to 2 × A × C.
Shuffle distance: The shuffle distance defines the height of the bands (or the length of the slits for micro-shuffling). Normally, the shuffle distance is a positive number, the sign determines whether the charge is shuffled up or down for the sky exposures. The object is always observed with the charge in the normal (no shuffling) configuration. For a positive shuffle, the resulting spectral images will have the sky spectrum located beneath the object spectrum with a separation equal to the shuffle distance. The shuffle distance is always specified in unbinned pixels, regardless of whether or not the spectral data is binned in the y-direction. For example, for a single-band Nod & Shuffle observation the shuffle distance is +1392 pixels for the Hamamatsu detector arrays at GS or GN (+1536 pixels for the previous e2v devices at GN); for a micro-shuffled image with 4 arcsec slits the shuffle distance is 50 pixels. If the spectral data is binned in the y-direction, one must make sure that the shuffle distance is a multiple of the binning (e.g., one cannot have a shuffle distance of 21 pixels if binning by 2 in the y-direction, but a shuffle distance of 20 or 22 pixels would be acceptable).
Charge traps:
Hamamatsu CCDs: charge traps are not an issue. It is no longer necessary to use these type of Darks with these detectors for charge traps removal.
E2V CCDs: The presence of local defects (charge traps) in GMOS detectors #2 and #3 lead to low-level horizontal stripes in Nod & Shuffle spectral images. There are two approaches to minimizing the effects of these defects. Since semester 2003B we have provided a special kind of dark exposure for Nod & Shuffle. Taking these dark exposures is very time consuming, and they are therefore only guaranteed to be made available for the following Nod & Shuffle configurations:
- A=60, 15 cycles, shuffle distance=31 pixels, CCD binned 2x1
- A=60, 15 cycles, shuffle distance=70 pixels, CCD binned 2x1
- A=60, 15 cycles, shuffle distance=1536, CCD binned 2x1
Any Nod & Shuffle darks defined by PIs in their Phase II proposals other than the above configurations will be taken on a best-effort basis. The Nod & Shuffle darks are effective for correcting for most of the effect of the defects. However, for very deep observations it is recommended to also translate the detector between Nod & Shuffle observations by ± a few pixels in the y-direction. This allows the defects to be removed in the data reduction stage via a suitable rejection algorithm. Nod & Shuffle programs that aim to go very deep should have their observations split into at least three dithered exposures. The translation of the detector must be defined by the PI in the OT using a GMOS sequence to change the DTA-X offset.
Baseline calibrations: For Nod & Shuffle programs all baseline calibrations are taken in exactly the same manner as for classical long-slit and MOS spectroscopy programs. Additional calibrations or calibrations taken in Nod & Shuffle mode must be requested explicitly in Phase I and Phase II proposals and Nod & Shuffle Darks must be defined by the PI in their Phase II OT program.


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This is the fifth and final in a series of blog postings defining success for retirement plan advisors by Liz Davidson, who as president of Financial Finesse has a unique vision of who the most successful retirement plan advisors are, and what they have in common.–Ed.
In the first article of this series, The Successful Retirement Plan Advisor, Pt. 1: 3 Traits They ShareI identified key traits that successful advisors have in common. One of those traits was understanding the difference between expenses and investments, and committing to strategic investments that have the potential to take your firm to the next level.
Tom Royce and Mike Chong of Voyage Financial Group are a tremendous example of how effective this strategy can be. They took a big risk about a decade ago to take on the time and expense of cultivating a relationship with a Fortune 500 company, providing financial planning services to their mostly blue-collar employees—something most wealth managers would never even consider a viable strategy. Today, they have nearly 700 clients and manage more than $350 million using this difficult but highly effective model. No cold calls, no expensive direct mail materials and no expensive travel to networking events—just time spent working with middle-income earners at their workplace, for free, who could be potential clients and advocates for their services.
Today the firm is rapidly developing a name for itself among Fortune 1000 companies in the Chicagoland area—a highly sought-after alternative to the likes of Ameriprise and MetLife who prefer to focus their time and energy on the executive market—something that plan sponsors are increasingly concerned by, recognizing that middle-income employees so desperately need good financial advice in today's economy.
Voyage's Two Keys to Success
Here's what makes Voyage Financial Group so successful, and how advisors can apply a similar strategy to their own business to carve out a highly profitable niche for themselves, and ultimately build a highly respected brand within their area of expertise:
- Voyage very cleverly followed what renowned business gurus W. Chan Kim and Renee Mauborgne call a "Blue Ocean strategy"—finding an area of opportunity that other advisors were ignoring instead of competing in the "red ocean" where everyone is fighting for business (and many wind up up being eaten alive).
They recognized that middle-income earners were desperate for financial guidance, and represented an untapped market because most advisors set their sights on high-net-worth individuals. They also recognized that a middle-income worker with a generous pension can become a very attractive client upon retirement and that if they invested the time to build trust with these employees, there would be a strong return in the long term. Lastly, Tom and Mike had learned that middle-income workers were generally very loyal and that once you secured them as clients, provided you took good care of them, you would have a client for life—something that is absolutely critical to long-term success in financial planning.
The lesson from this strategy is to find an area of the market that others are ignoring, and then study the economics of that area to determine if it is indeed a viable business strategy. When you consider that competition will be minimal, you may discover that there's actually more financial opportunity—not to mention more satisfaction from a social mission perspective—in these opportunities than the ones most other advisors are fighting over.
- Voyage also approached its business with a long-term plan that would ultimately be both highly profitable and of great help to its employee clients, rather than simply trying to earn a quick return. You might think that Voyage is overnight success story, but like most overnight successes, it's been years in the making, and it's a momentum game.
By investing the time and resources into cultivating relationships with middle-income employees and developing a grass- roots following, they amassed a large community of clients who are now advocates for the firm. Voyage has thus reached what author and journalist Malcolm Gladwell calls "the tipping point"—that point where you reach a critical mass and opportunities seem to come out of the woodwork.
This speaks to a trait I've observed again and again among the most successful advisors—the innate understanding that you must have a long term-strategy, and make strategic investments around that strategy, or any success you have will be fleeting and unsustainable. Unlike most advisory firms, Voyage doesn't operate reactively—scrambling to marshal resources to close the next big deal. Instead, the firm operates consistently, methodically and with the utmost discipline executes on their long-term plan—never losing sight of what the firm is, who the firm serves and why it is in business.
It takes courage and patience to do this, but I have yet to meet a successful advisory firm with a long track record that operates its business any other way.
The lessons from Voyage's success are difficult to follow—but that's precisely the genius behind them. If you can be one of the courageous few who takes a long-term approach at a time when most advisors are seeking the next big thing, you'll stand out from the crowd at a time when employers and employees alike are desperate for a different approach. It may not be easy, but the hard-won overnight success, and the long list of clients who are raving fans, will make all the frustrations getting there seem like minor inconveniences.
View all the articles in The Most Successful Retirement Plan Advisors series.


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Stone weight 100% Less from Total weight for all 22K Jewels. All jewels are BIS Hallmarked
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Popular authors show how Pilgrim boys and girls — and their parents — lived
By Janice Harayda
A lot of families must have given thanks for The Pilgrims' First Thanksgiving (Scholastic, $4.99, paperback, ages 4–8), because this lively picture book is still selling well on Amazon www.amazon.com and elsewhere after more than three decades in print. And no wonder. This may the best book for anyone who is looking for a traditional Thanksgiving story that touches all the familiar bases – the voyage of the Mayflower, the landing of the Pilgrims at Plymouth, the help the settlers received from Squanto, and the feast that marked the successful harvest of 1621.
Ann McGovern www.annmcgovern.com tells an engaging story salted with details easy for children to grasp. The Mayflower was "as big as two trucks," and its passengers had little tableware after they went ashore: "There were no forks. The Pilgrims used shells for spoons." And unlike some recent books that expunge all references to the early settlers' faith, McGovern makes clear in a low-keyed way that this is partly a story of religious freedom: The Pilgrims, she says, "left their old country because they could not pray the way they wanted." Elroy Freem, the pen name of a veteran picture-book artist, illustrates the book with warm tones that help to make this an upbeat story despite hardships of life in the Plymouth Colony.
Kate Waters takes a more contemporary approach in her deservedly popular Sarah Morton's Day: A Day in the Life of a Pilgrim Girl, Samuel Eaton's Day: A Day in the Life of a Pilgrim Boy and Tapenum's Day: A Wampanoag Indian Boy in Pilgrim Times (Scholastic, about $5.99 each, paperback, ages 4 and up) www.scholastic.com. In these appealing books she uses documentary-style color photographs to describes the lives of a Pilgrim girl and boy and a Native American boy of their era.
Waters's books about Pilgrim times are popular in schools, particularly in the second and third grades, so by searching the Web you can find teachers' guides with related activities you can adapt at home. Their stories have a natural appeal this week, but don't forget them next year when you want to get children excited about a trip to a historical museum or village.
© 2007 Janice Harayda. All rights reserved.


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TV Stand Medium Hoop – Gallery 19
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1. How long will my order take?We hand make each table to order and they take approximately 2.5 - 3 weeks to complete. If you are in a hurry please select our "Quick Ship It" option at the checkout and we will dispatch your order within 1 week.
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This TV Stand Medium Hoop – Gallery 19 combines a sleek yet fun retro look with practical furniture design features. Forget dull, traditional coffee tables, this Retro Hoop offers a chic and curvy elliptical design sure to inject some wow factor into your interiors. What you need to know:
- Each Table is handcrafted in the UK and finished to a very high standard
- Dimensions: 90cm x 36cm x 36cm without feet or 47cm with Feet
- Materials: The frame is made from wood and the outer coating is a high quality acrylic veneer
- Customisable in over 30 unique colour options including matt, metallic and gloss finishes
- Optional extras include: feet, back plate, and a glass shelf
- No Assembly required
- Max Load: 50kg
- Standard delivery * is Free and usually takes between 2 – 3 weeks
- We also offer a Quick Ship It option which guarantees dispatch within seven working days for an additional fee – see our delivery info.