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⇒ EXPLORE OUR WINES – View 2019 Release Schedule
Our wines are characterized by a fruit forward nature to both the aroma and flavor that provides a good representation of the grape used to make the wine. This is followed by a depth, richness, and complexity that is enhanced by aging in small oak barrels. Our wines finish with a smooth aftertaste where the tannins are soft and mature. My mantra as a winemaker is to pack as much flavor and character into a wine as possible without stepping over the line and making a wine so tannic that aging is required to balance and round the wine. This is not to say that our wines won't age. They will. It's just that they don't need to in order to be enjoyed. I have had many conversations with our visitors regarding aging. What really focuses the discussion is my question, what is it about this wine you want to change by aging? There is usually a pause and a reflection and then a realization that there really isn't much that aging is going to provide that the wine doesn't already have upon release.
We don't make wine with the expectation that the consumer is going to age it to maximize their enjoyment of it. Over the past three decades we have developed and refined our winemaking techniques and protocols to provide a rich full flavor without the burden of chalky astringent tannins. I made that type of wine in my youth and some of my earlier efforts are still in my cellar. Unfortunately the fruit has dried up and faded away and the tannins are still present. On the other hand we have enjoyed ten and twelve year old Barberas, Zinfandels and Petite Sirahs that still have plenty of fruit character and interesting nuanced bouquets from time spent in the bottle. One of the advantages of managing the tannins in the wine is that they can carry a bit more fruit acid and it is this additional acid that helps the wine hold its fruit flavors as it ages. I don't want to sound too technical, but it has become fairly easy to predict the aging potential of our wines simply by looking at the pH at bottling.
We do not grow any of the grapes we use to make our wines. Instead we partner with growers situated in the best location for the grapes they grow and provide to us. This enables us to offer a wide variety of flavors and textures from throughout California. At 'last count' we are planning to crush twenty two different varieties from nine different appellations for the 2013 vintage:
Zinfandel, Primitivo, Barbera, Sangiovese, Dolcetto, Carignane, Charbono, Verdelho, Tempranillo
Charbono, Malbec, Alicante Bouchet
Pinot Noir
Syrah, Cabernet Sauvignon, Grenache, Graciano
Alicante Bouchet


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- You cannot add "Classic Supermarket Bag X-Small Violet" to the cart because the product is out of stock.
Ritva Open Tote Petrol
LUMI Ritva Open Tote in petrol colour. This minimalistic tote bag ticks all the boxes for a perfect day bag, for the office and around town. The dazzling pop of colour adds a cheerful twist to your daily ensemble, so dare to wear colour!
Ritva Open Tote is from our Woven collection with styles from classic daily essentials to business bags.
Out of stock
- Material – Full grain cow leather
- Lining – No lining
- Hardware – Silver colored hardware
- Closure – Magnet
- Strap – Short handles and long strap to carry on shoulder or cross body. Long strap L110 cm.
- Size – W28.5 x H36 x D6 cm
Made in India
Additional information
Delivery & Returns
Orders will be shipped within 24 hours Monday to Friday. You can view your order status from this link. (Registered account needed.) For more info on LUMI's shipping policy, please check this link.
LUMI believes in happy customers who are fully satisfied with their high quality LUMI product. If for any reason, you are not satisfied with your order, you can return the product within 14 days of the date of delivery. Please check this link for more information.

subset: commoncrawl


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LoveBug Probiotics Yeast Is A Beast Women's Health
Unprotected, the vast majority of live probiotics entering the stomach won't survive to reach optimal sites in the gastrointestinal tract.
Powders,... read more
Average Customer Rating
|4.9 out of 5
Product Features
- ♥ DEFEND AGAINST UTIs and YEAST INFECTIONS: Lactobacilli shield the vagina by producing lactic acid, which lowers the pH of the vagina, making it slightly acidic and inhospitable to pathogens. Our proprietary probiotic blend also contains Cran-Gyn and D-Mannose. Cran-Gyn, with cranberry extract, promotes urinary tract health naturally by making it harder for bad bacteria and yeasts to adhere. D-mannose (Birch tree extract) works to inhibit E-coli related urinary tract issues.
- ♥ CONTROL CANDIDA OVERGROWTH: This yeast fungus, which naturally occurs in the body, can overgrow when there is an imbalance in gut bacteria. Replenishing your good bacteria is the best way to control yeast and candida overgrowths by addressing these issues at their root.
- ♥ IMPROVE MOOD: 80-90% of serotonin, the brain's feel-good hormone, is produced by nerve cells in the gut. There is increasing evidence that brain chemistry is directly linked to intestinal flora, and an imbalance, or lack of good bacteria, can impact psychological issues such as depression and anxiety. What's Your Gut Feeling?
- ♥ PATENTED DELIVERY TECHNOLOGY: Significantly more effective than capsules. BIO-tract® delivery technology offers controlled release of active ingredients. Patented in 33 countries worldwide (U.S. Patent No. 8,007,777)
- ♥ MADE IN THE USA. Non-GMO, Yeast Free, No Gluten, No Sugar, No Lactose, No Soy, No Wheat, No Nuts, No Chemicals or Preservatives, No Artificial Colors or Flavors. Oh, and we package our probiotics with Organic Cotton!
Product Description
Unprotected, the vast majority of live probiotics entering the stomach won't survive to reach optimal sites in the gastrointestinal tract.
Powders, liquids, capsules, even cultured dairy products offer no real protection, losing most, if not all, of these sensitive organisms during passage through the stomach's harsh environment.
When our tablets are moistened by fluids in the stomach, a patented gel matrix forms, creating a protective layer that shields the beneficial bacteria from stomach acids and directs them to release later in their journey. Once inside the gastrointestinal tract, our probiotics begin to release, delivering a significantly higher percentage of the good bacteria throughout the day and throughout your gut, traveling deep inside your intestinal tract to where they will have the greatest benefit. This is the only controlled-release technology available for probiotics on the market today and is patented in 33 countries.
Take 1 tablet per day before food.
Take 2 tablets per day before food. Store in a cool dry place. For maximum potency, keep refrigerated.
*These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure or prevent any disease.....read more
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Click here to learn more about Vocational programs and whether they're right for you!
Are you a high school student who wants to get ahead of the crowd? Learn more about Youth programs here.
Already a pro, but want to stay up to date on your skills? Find Course Refresher programs here.
Apprentice, Foundation, Youth and other Non-Apprentice intake schedules starting out to March 31, 2020 are shown. New schedules have just been released for intakes starting between April 1, 2019 and March 31, 2020. Note, these intakes are subject to change and additional intakes are yet to be added to some Trades. Please use the schedules' mail icon to contact the institution directly about registration information.
Foundation training programs provide trainees with the basic knowledge and skills needed for entry into a particular occupation. They are typically conducted in a classroom or shop setting, and do not involve any significant work-based training component. As a result, trainees do not require an employer/sponsor to participate.
Full time Foundation programs can vary from 13 weeks to 10 months in duration. Students usually receive credit for the first level (most trades have four levels) of apprenticeship training in the specific field by the Industry Training Authority. Completion of a foundation program will provide successful students with the relevant skills to be employable within their industry. Also, with agreement from their employer, they will have the ability to pursue an apprenticeship.
A student who completes a Foundation program is highly sought after by employers as the student has attained the necessary skills to be immediately productive on the work site. Students may also apply the credits earned from the Foundation program for entrance into another program, depending upon the institution's requirements and the particular program area of study.
To find Foundation training programs available at BC's public post-secondary institutions in your chosen trade, click here.
© Copyright 2019 Trades Training Consortium of British Columbia. All rights reserved.


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The Mass Effect franchise gained notoriety as exclusively single-player games with some of the best branching story ever seen. While ME3 continued to carry this torch (mostly), it also shook things up by including a new multiplayer mode. Some fans of the game's previous focus on quality campaign mode were initially apprehensive about this change, but Mass Effect 3's multiplayer experience turned out to be an exciting co-op gameplay that made the game infinitely more replayable beyond the initial campaign completion.
Likewise, Mass Effect: Andromeda is including a multiplayer mode, and fans of ME3's multiplayer will be happy to learn that they haven't messed with the formula too much, only tweaking elements here and there to make it a bigger and more diverse experience. The newest video in BioWare's Mass Effect Gameplay Series details what fans can expect.
The primary game mode is a form of the familiar survival co-op, where teams of four players work together to fight off ever-growing waves of enemies while completing a series of objectives prior to reaching an extraction point.
At launch, players will have the option to select from 25 different character kits, including species from both Milky Way and Andromeda galaxies. There are no class restrictions on weapons, so every single character can be equipped with a loadout comprised of weapons and tech from the Milky Way, Heleus Cluster, and the Remnant. Players can level up their characters as they collect experience points, and most weapons and technology can be upgraded with other rewards collected from successful missions.
In addition to survival mode, Andromeda also offers strike team missions, which loosely tie into the campaign mode. While they don't include dialogue or story elements, they basically function as side missions, giving players opportunity to amass experience and resources for use in the campaign. Strike team missions can be completed with AI characters or online with other humans, but the latter will probably be preferred to tackle the occasional "Apex mission", which might be more difficult to handle with strictly AI teammates. Strike team missions are accessed right from the Tempest (the new Normandy), so they're integrated into solo play almost seamlessly, allowing players to take a short break from pursuing story objectives without having to close out of the campaign to sit in a matchmaking waiting room.
To encourage players to participate in multiplayer, live daily challenges and reward multipliers will be available on a regular basis. While this can supplement the single-player experience, it's fortunately not an essential element, so players that don't care to participate in multiplayer activities can simply ignore that component of the game without suffering any handicap of the single player experience.
NEXT: Mass Effect: Andromeda – Watch the First 13 Minutes
Source: Mass Effect
- Mass Effect: Andromeda (2017) release date: Mar 21, 2017


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Best Toilet
Two of the top 10 items that define a civilized culture are access to clean water and effective sanitation. While few of us drink out of the toilet, the wonderful commode that we take for granted places us in the top 1 percent of the civilized world.
Not only do 99.99 percent of the homes in America have a toilet, we have at least three or more. Not only do we have three or more, but our toilets are the smartest, most sophisticated toilets in the world. They come with lids (an important factor if you live with flies that spread dysentery) that open and close themselves, seats that are heated, bidets that take care of the dirty work, and they can even come with stereo surround sound for our added enjoyment.
Our commodes on these lists will also use water as efficiently as possible, give us options about how much water to use, and some toilets can even recycle, sterilize and re-use the water depending on how efficient we want to be.
Best Toilet Overall:
Do you know what appliance uses the most water in your home? The commode. They are responsible for as much as 30 percent of the total water usage over a year, and it's an easy situation to improve. The 1992 laws that limited toilet water usage to 1.6-gallons per flush (GPF) have spawned a whole generation of water efficient toilets that you will find listed below. These "Best Of" commodes will deliver in full without compromising quality. Some of the key features listed here are water usage below 1.6-GPF, and pressurized flushing mechanisms. Some offer a duel mechanism that will allow the user to choose between a light' flush, and a little stronger heavy' flush, to allow even more savings. A sealed porcelain or ceramic material is always best as these will reduce mold and bacteria, making cleaning that much easier. There is a standard height, and then there are taller and shorter heights also available, but make sure you choose an elongated bowl as these will always make the user more comfortable.
TOTO MS974224CEFG-01 Eco Guinevere One Piece Toilet
The innovation that went into Totos double-cyclone flushing system makes the most of the 1.28-GPF flow rate, and provides the dual-nozzle water propulsion system with more power in each flush. Compliant with all green building codes, and the EPAs WaterSense requirements, Totos Eco Guinevere will exceed all your expectations. Read Full Review
Kohler K-3900-0 Numi Comfort Height One-Piece Elongated Toilet
This Kohler model is fairly pricey at $3,000 to $4,000, but for those who are on disability, they should get a subsidy, or rebate to help offset the costs. It will also need professional installation on a 120-volt dedicated line, and low voltage wiring for any speakers installed. The remote control is easy to use, and mounted magnetically anywhere you chose, so if you have motion issues, this professional toilet will see that you will have your needs met, in more ways than one. Read Full Review
Roca W&W Sink and Toilet Combination
Beautiful in design, and perfect in function, this toilet will take up much less space than a separate toilet, and separate vanity will use. It will require professional installation, but any licensed plumber will be able to install one is less time than it takes to install a separate toilet and vanity. Easily mounted up off the floor, this unit will allow you to clean underneath it, eliminating that grout line that often develops over time at the standard toilets base. Read Full Review
American Standard Clean High Efficiency Elongated Two-Piece Toilet
American Standard leads the way in home sanitation, and this toilet is best used by anyone who wants a fast, clean flush, and quick refill. The high powered evacuation system will leave the bowl cleaner and ready for re-use faster than the average toilet in the market today. The Ever-Clean finish will meet your expectations by truly minimizing mold and bacteria growth making this model a low maintenance and high efficiency commode that is good for every application. Read Full Review
TOTO Drake II 1.28 GPF Two-Piece Toilet
In addition to Totos excellent design in flushing, they have also incorporated a dual-action flush handle that allows the user to select between a 1.6-gallon flush, and a 0.9-gallon flush, to provide even further opportunities to conserve water. This model is ADA Compliant (Americans with Disability Act), as well as WaterSense compliant which means that if you are trying to meet or beat a green building code, the Toto Drake II will bring you up to compliance. Read Full Review
Best Low Flow Toilet:
While we take toilets for granted in the U.S., most countries around the world still dont have them. First established in Greece, with a public water system to take care of unpleasant necessities, the modern commode has evolved greatly over the past few centuries. With it, we would all be living in a diseased and disgusting world that would offer little health. Toilets use more water in the home than any other appliance, consuming up to 38 percent on average in the typical house. The low-flow movement was written into law in 1992, mandating water usage rules to help conserve this valuable resource. Before the 1.6-gallon limit, the average toilet used between three and seven gallons of water to accommodate just one user. In the following list, all these toilets will meet or exceed these water usage guidelines, and come with some sort of energy rebate options that you can redeem for cash, or deduct from your taxes. They will also comply with the Low-Flow requirements to meet the EPAs WaterSense guidelines, and they all have unique flow patterns, that will make using the commode efficient despite the fact that they are using much less water. These toilets are quiet, quick filling, and conserve your water more efficiently than the other ones found in the market. Either way; you win. You will save money on your overall purchase; and save a little more on your water bill each and every month, without sacrificing quality of service.
Eago TB108 One Piece Ultra Low Flush Eco-Friendly Toilet
Unlike other toilets in the market, this model comes with its very own self-closing, soft-close lid eliminating this extra cost of buying one separately. Because this model is made in Europe, it doesnt officially comply with U.S. standards, although it may very well meet or exceed them. If you are sensitive to noise, the siphoning action of the water movement will offer a quick flushing and fast refilling mechanism that will complete its maneuver, before anyone even notices that there is someone in the bathroom. The Eago TB108 rivals anything else in the market for savings and efficiency; and it looks great doing it. Read Full Review
TOTO CST412MF.10 Aquia Dual Flush Toilet
This model by Toto meets all EPA WaterSense requirements to be a low-flow toilet, and is ADA compliant, for those that are looking for effectiveness and functionality. It is made of vitreous china for easy cleaning, and comes with a nationally recognized limited 1-year warranty on parts. Read Full Review
Kohler K-3755 Kelston Vitreous China Two-Piece Toilet
The Koehler name will bring a one year limited warranty, and be available with almost any major retailer across the country. Meeting all EPA and ADA (Americans With Disabilities Act) requirements, the Kelston model will be suitable for any person no matter their physical condition, and will deliver superior performance while using about half the water normally used. It is available in a variety of colors so you will be sure to match just about any dcor. Read Full Review
Niagara N7716 Stealth 0.8 GPF Round Toilet Bowl
This model is WaterSense Certified, and meets or exceeds the following: ASME A112.19.2 / CSA B45.1 LEED Credits, saving you as much as 37 percent more water over the course of the year. Made from white, vitreous china for easy cleaning, the Niagara is only 16 inches off the ground, making it suitable for children, or the elderly who might find it difficult to use standard height toilets. Read Full Review
American Standard 2886.216.020 H2Option Siphonic Dual Flush Right Height Elongated Two-Piece Toilet
American Standard offers a Five year unconditional warranty on everything inside and out of this model, including the factory installed bolts and grommets that come with it. It does, however, not come with a seat, so that is something that you will have to purchase on your own. Available in pastel colors, you can find what you like to match your dcor. The only downside seems to be that it is made in China. This is kind of unbecoming for something with an American Standard label on it. Read Full Review


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When man makes a plan
Happy Friday funny picture. When Man makes a plan …
Exploring technology, PC gaming, the web, the world and the possible future – mixed with a tasteful dash of humour. Written by tech columnist & multimedia journo Galen Schultz
Happy Friday funny picture. When Man makes a plan …
The things that you can create with wire are endless, and you can bring anything to life by attaching a pair of wire limbs. These pics are from elLf houSE
Really heating up now. It got to 31 today. No problem though. Living with air-conditioner. What a pleasure to see the sun every day like this. I'm becoming a sun worshiper. No blasted rain like back in London!
Why teachers drink: when someone approaches maths artistically the results can be magic. This kid is clearly going to be a great artist one day…or a stripper
Originality is a rare trait when it comes to Valentines Day. If you're thinking of doing something special this year here are some good & bad Valentines ideas
Three old guys are out walking. First one says, Windy, isn't it? Second one says, No, it's Thursday! Third one says, So am I. Let's go get a beer
Awesome T-shirt designs. Enough said. Anyone know where we can order any of these awesome T-shirt designs from?
This is clearly just an innocent sack of balls minding it's own business. However, in Afrikaans a "balsak" is used as a derogatory term
In this rat race of life, sometimes we need to slow down & smell the roses. Life's a bloody brief candle, so here are some inspirational quotations for life
Poor Rebecca Black got torn to shreds over her "Friday" music video, but what has emerged from the ashes is a proudly South African parody called Braaiday!


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How to install JioTV on PC & Laptop | Live TV on PC
You can enjoy the live TV on your computer or laptop without any hassle just by installing a software on your PC. You can either run the JioTV by directly downloading it from Google Play Store or else use a cracked JIoTV Play on the software for lesser problems and enjoy channels. To run the JioPlay on Laptop PC follow the steps below.
Steps to Run and Use JioTV on PC
Method I
- Download the BlueStacks on your PC.
- There are a few clicks to finish the process, click the "Next" button to accept the terms of use.
- Install and run the App.
- Open the App and open the Play Store.
- Add your Google Account.
- Search for the JioTV App.
- Download and install the JioTV App.
- Now, make sure you have connected your PC using any Jio Hotspot or JioFi device.
- Open the JioTV app and Login with your Jio ID and password.
Holla! You can enjoy the free HD TV channels on your PC without any hassle.
Big Boss 11 Stories Read Here
Method II
- Download the MEmu Player for Android. The software works on even low power Windows PC.
- Install the App on your PC.
- Now Click on MEmu – Multiple Instance Manager.
- Click on Create and let the process be complete.
- Open Play Store and Login with your account credentials.
- Download JioTV and enjoy the Channels.
Note: After the software is installed on your device you can either Download JioTV from Google Play Store and run it without any issues if you have a Jio Network with you.
So, These are very simple and easiest way to download and install Jio Tv on PC (Windows + MAC ).Follow the steps and enjoy Live TV shows on Your Computer.
If You have any Query then just leave a comment below.We will answer you soon.
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Nov 20, 2012
Screenwriters Abby Kohn and Marc Silverstein sit down with John and Craig to talk about writing movies, writing television and writing together.
We met at the Austin Film Festival, which is where we recorded this episode. Both John and Craig assumed Abby and Marc were a couple but it's a lot more complicated than that, and any screenwriting teams who have considered sharing more than an ampersand will want to listen to the details.
UPDATE 11-24-12: The transcript of this episode can be found here.


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Indians Manager Battles Back from Chronic Pain/
By Pat Anson, Editor
Cleveland Indians manager Terry Francona – who has led the Indians to their first World Series since 1997 -- has struggled for decades with chronic pain from knee, wrist and shoulder injuries.
His story is an inspirational one to pain sufferers who have also dealt with the stigma associated with chronic pain and the use of opioid pain medication.
Francona may be the front runner for American League manager of the year, but it wasn't too long ago that he was barely able to walk after complications from knee replacement surgeries left him in severe pain with blood clots and staph infections.
His managerial career also seemed finished after rumors surfaced that he abused pain medication while managing the Boston Red Sox.
Francona was upfront about his health problems and use of painkillers like oxycodone and Percocet in his book with Dan Shaughnessy; "Francona: The Red Sox Years."
"I think I probably should have died with all that happened," Francona said of one extended hospitalization in 2002, when his right leg almost had to be amputated.
"There were a couple of nights in the hospital where I was thinking, I can't take this anymore. The nurses would come running in because I'd stop breathing. I was in bad shape. There were people around who did not think I was going to make it. I know I came real close to losing the leg."
Pain medication helped him survive the ordeal.
"I lived on it at that time," Francona recalled in the book. "When I left the hospital, I was on heavy-duty drugs, and it was tough."
Francona recovered and resumed his career as a baseball coach. In 2004, he was hired as manager of the Red Sox and led the team to its first World Series title in 86 years. They added a second title in 2007. Through it all, Francona was still in pain and taking so much medication he would sometimes joke about it. He also started hoarding pain pills.
When one of Francona's adult daughters found a bottle in his home with 100 Percocet pills, she convinced her father to see a pain management specialist and enter a confidential drug treatment program managed by Major League Baseball.
That was in 2011, the year Francona's marriage and his career as Red Sox manager unraveled at the same time. A team that many predicted would win yet another World Series suffered an historic collapse. Stories surfaced about players drinking beer, eating fried chicken and playing video games in the clubhouse during games. Anonymous sources pinned much of the blame on Francona, who was unceremoniously dumped by the Red Sox at the end of the season.
"Team sources said Francona… appeared distracted during the season by issues related to his troubled marriage and to his health," reported the Boston Globe. "Team sources also expressed concern that Francona's performance may have been affected by his use of pain medication."
Francona felt betrayed by the team and by the insinuation that he was an addict.
"I don't have a drug problem, that's pretty obvious. I don't drink that much, but I joke about it a lot. Anybody that knew me knew that I had taken more painkillers in '04, because my knees were shot," he said.
Francona was hired as manager by the Indians in 2012 and has guided them to four consecutive winning seasons. The Indians swept Francona's old club – the Red Sox – to win the American League's divisional series this month. They went on to beat the Toronto Blue Jays to win the American League pennant and now face the Chicago Cubs in the World Series.
This is Francona's 16th year managing in the big leagues. At 57, he doesn't talk much about his health problems – preferring instead that the attention be focused on his players. In addition to pain medication, Francona reportedly takes blood thinning medication and wears compression sleeves on his legs to improve blood circulation.


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The learning objectives are not shown when attempting to create flashcards or quizzes on ACE, The quizzes and flashcards are not generated.
Thank you for your post! I'm sorry for any inconvenience.
Would you mind supplying a screen shot of the page you're on? Here's a guide on how to take a screen shot, if needed: http://goo.gl/WDqKg7
Once you take the screen shot, save it in Word or Paint and then attach the saved file in a reply.
Have a great day!
- Chrys


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The Bucket
D.J. Cattrell
Rachel's bucket has a hole in one side and a jewel in the other. When Rachel first pressed the jewel in the side of the bucket, she was just four years old. Smoke came out of it and in it five unicorns pranced lightly onto her hand and off again. It made her smile and cry at the same time.
As her tenth birthday approaches, her world begins to change with the arrival of a mysterious silent boy with amazingly blue eyes and parents Rachel never sees. They move in next door and their house develops a green glow and has strange noises coming from it. That is when things started getting really odd.
Remember, Minotaurs are ticklish...
Vanguard press Publication date: 21/05/2015 | ISBN:9781784650209 | Pages: 174


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Hundreds of firefighters from all over the country made their way to Bryan to be part of the memorial Wednesday for Lt. Gregory Pickard and Lt. Eric Wallace.
"It doesn't matter what city you're in, what state you're in, what country. A firefighter is a firefighter no matter where you go. It doesn't matter if you're paid or volunteer. We're all part of this family," said Billy Huggins, Bryan Fire Department.
Officials say more than 150 fire trucks were expected to participate in the apparatus procession. Trucks started lining up before 5 a.m. Wednesday.
"We got a phone call at 5:10 this morning that there were already people in line. to come around the corner and see all this, and to know there's more coming. we saw people on the highway all the way into town. It's really amazing," said Lt. Dan Williams, Brazos County Precinct 4 Fire Department.
"We felt the brotherhood. We felt like we needed come here and show support to the families of the fallen, and also the brothers of Bryan," said Lt. Jeremy Petersma, Lake Travis Fire & Rescue.
"I've got gentlemen I've never met in my life helping me line this up. Its whatever we need done, they're here to do it and they'll be here until it's over," said Huggins.
It took 25 minutes for the last truck to make its way out of the parking lot. The procession was in memory of two fallen heroes, and the incredible show of support is something Bryan firefighters won't forget.


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Life Insurance at Age 69: 4 tips to get the best rates
At TermLife2Go, we focus on ranking the top life insurance companies in order to help our clients find the top life insurance rates by age in the marketplace. Let us use our expertise to help you find the best life insurance policy for you, based on your unique health and lifestyle. Call us today for a free consultation.
Life insurance age 69 (sixty-nine).
If you're shopping for life insurance at age 69 or your existing policy is going to be expiring in the next 4 or 5 years, then you really need to keep reading, because as a 69 year old looking for life insurance, things can become complicated quickly!
For example, at age 69:
Not all insurance companies are going to be willing to offer all the same products for life insurance in your 60s that you may be familiar with, i.e.: 30 year term life insurance policies or return of premium life insurance policies will most likely not be available for someone looking for life insurance at age 69.
Some insurance carriers will also place additional underwriting requirements in order to obtain the best rate classes for those applying for life insurance at age 69 such as: "When did you last see your primary care physician?"
Sixty nine year old's who are applying for life insurance may also find that qualifying for larger policies, especially if you are looking for a million dollar life insurance policy or more, may become more difficult based on ones current employment status:
- Are your retired?
- Are your receiving a pension?
- What would the "financial" loss to the family be in the event of your death?
These, plus dozens of other "factors" may come into play when a 69 year old applies for life insurance. This is why you'll need to use every trick in the book and have access to dozens of different insurance carriers why applying for life insurance as a 69 year old in order to ensure that you:
First, find the coverage that you're looking for
Second, don't pay too much!
With that being said, let's take a quick look at few important things you need to know before you make any decisions.
Life Insurance at Age 69: Find the Best Rates
This article will cover the following topics:
- Get it now
- Don't let the price tag scare you
- Not all carriers are the same
- Find someone working for you!
#1. Get it now!
Age is typically going to be the number one factor determining the premium that an applicant buying life insurance at age 69 will pay. So today really is the cheapest your insurance is going to ever be for you. So don't delay!
***Now it should be noted that in some cases delaying getting coverage may make sense, for example:
- You are currently trying to stop smoking and need to wait a year to get non-tobacco rates.
- You need to wait a year to clear up a DMV issue.
- You have a pre-existing medical condition that may require a waiting period before a life insurance company will underwrite you.
- For those who have a serious health condition, please visit our article covering the best final expense and burial insurance companies.
However, for most getting life insurance as a 69 year old, waiting only means one thing: your policy is going to cost more when you finally do decide to take the next step and apply.
#2. Don't let the price tag scare you!
A lot of clients in their late 60's will have been quoted some outrageous price for life insurance and immediately think that they've waited too long and there's no hope for them. No while it's true that life insurance at age 69 is going to be more expensive than at age 39, it doesn't mean that it's completely unaffordable.
So be sure that when you are ready to buy, that you find an agent that:
- Listens to your needs.
- Understands you goals.
- Is aware of your budget.
- And works with a wide range of different carriers and products.
- See Estate Planning and Life Insurance
Sample Life insurance quotes for 69 year old male
Quotes based on a preferred plus rate class for a 10, 15, and 20 year term and a Guaranteed Universal Life to age 121
Sample Life insurance quotes for 69 year old female
Quotes based on a preferred plus rate class for a 10, 15, and 20 year term and a Guaranteed Universal Life to age 121
We at TermLife2Go understand that now that you're in your late 60s your insurance needs have probably changed so give us a call for a free consultation.
#3. Not all Insurance Carriers are the same!
This is particularly true for clients in their late 60s. As a consumer, it's important to know that each insurance company has its own rules and guidelines that it will use when underwriting an application.
Some insurance companies may have use very strict guidelines when it comes to certain preexisting conditions while other carriers may not be concerned about them at all. This is why it's really important to know which carrier to use and why when looking for senior life insurance at age 69!
Which brings us to our next point…variety is the key to saving money!
#4. Find someone that is working for you, not the insurance company.
In order to get the best rates on life insurance at age 69 you need options. With so many options to choose from and so many different carriers competing for your business, it's key for you to work with an agency that is not bound to any one specific life carrier.
You need to be sure that your agent can shop your application to dozens of different life insurance carriers forcing them to compete for your business. That is the only way you are going to find a 69 year old life insurance friendly company that will offer you the best price on life insurance.
Only by choosing to work with an agency that represents multiple life insurance carriers can you ensure that you are getting the best policy to protect you and your family. After all…
Doesn't it make sense to work with an agency whose sole focus is you?
Totally confused?…. Don't be, this is where TermLife2Go steps in. As an independent agency, our agents are committed only to you and your family. Our main goal is to help guide you through the process of:
- First, deciding among the different types of life insurance, whether it term life or whole life insurance.
- Second, determining the appropriate coverage amount.
- Just looking to cover final expenses? Consider burial insurance.
- And third, determining which carrier will give you the best rate available.
- See our article detailing our 4 step process for getting clients with a pre-existing condition life insurance
By working directly with TermLife2Go you will have an assigned agent dedicated to your application. This agent will be available to you throughout the entire application process; he or she will provide you with status updates as your application goes through underwriting and will also review your application at time of approval to ensure that you are still getting the best deal out there!
We'd like to take a moment and acknowledge that age 60, sometimes, life insurance isn't SUPER easy to qualify for. Plus, depending on how much insurance you're looking for, it can also be pretty expensive. We get that!
And while…
We would all love to be able to purchase a 100 million dollar term or whole life insurance policy for our loved ones, the truth is for many of us, having that "amount" of discretionary income simply isn't available. Particularly if you're currently nearing retirement or you're already "working" with a fixed budget!
This is why…
We've also chosen to write several articles sharing some of the knowledge that we have acquired over the years working with 1000's of clients concerning how they make a living.
You see…
Just about every time we complete a life insurance application for one of our clients, one of the first questions that we have to ask is:
"what do you do for a living?" and "what would you estimate your annual income as?
Which means that over the years, we've become really familiar with a wide range of different career paths and opportunities that a person can take. We've also been AMAZED at how many "so called" retires go on to take advantage of many the new part time employment opportunities that seem to be available now due to the ever growing "GIG" economy.
And since…
Our number one goal here at TermLife2Go is to help individuals and families secure their own financial security and independence, we wanted to share with you what we've learned.
So, after you've had a chance to visit our Life Insurance Quotes page feel free to check out our 100 Ways to Make Money Fast and our Top 23 Apps That Will Make You Money.
Want to know about ins. For myself
Leave a Comment


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City of McDonoughHome Menu
District 3
Craig Elrod
Councilmember Craig Elrod was born and raised in McDonough. Craig is a graduate of Henry County School and Georgia Southern University. Craig received a Bachelor of Business Administration degree from Georgia Southern University. He is employed by Best Insurance Group, where he has worked with local residents and business owners since 2004. His father, Mike Elrod, also served as the District III council representative in the late 80's. Craig and his wife, Stacey, have one daughter.
Date Sworn In: January 4, 2016
Term Ending Date: December 31, 2019
Contact Info:
City Hall
136 Keys Ferry Street
McDonough, GA 30253


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Risk glossary
Risk glossary
Search for the definition you are looking for.
Oil tanker freight derivatives
Oil tanker freight derivatives are over-the-counter (OTC) trades bought and sold in terms of worldscale prices and settled against 11 key tanker routes listed on the London-based Baltic Exchange. The worldscale system (worldwide tanker nominal freight scale) is a system of pricing tanker freight as a percentage of expected freight rates as published by the non-profit WorldScale Association in a table listing the price in dollars per tonne of oil for standard routes, and there is a flat rate for each route. Rates listed – flat rates – are termed WS100, which is the amount needed for a standard vessel to make a profit. Similarly, WS175 means 175% of the published rate. Rates are revised annually.


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What can Selective Management Services do for you?
Administration Management
- Assign a manager to act as a single point of contact with Association's Board of Directors ("Board"). The President of the Association and one other single Director or officer designed by the Board of Directors shall be the Associations agent in all dealings with Manager.
- Provide a single point of contact for receiving member complaints/questions regarding common areas/amenities.
- Work with members to resolve all issues with common areas/amenities.
- Report to the Board and assist in resolving all issues which cannot be remedied under existing contracts.
- Prepare ballots for election of Board members, as applicable. Mail, receive, count, and store ballots in accordance with the bylaws.
- Establish and maintain database on all members including names and addresses.
- Assist and advise the Association in the preparation of general correspondence between residents, owners, contractors, etc.
- Assist the Association in coordinating general membership meetings, including annual meetings.
Financial Management
- Assist in development on an annual budget of income and expenses.
- Pay all invoices on a twice a month basis.
- Reconcile bank statements monthly
- Publish monthly financial reports to the Board.
- Provide assistance to the Association's accountant for an annual audit and year-end financial statements.
Assessment Management
- Account for all assessment statements and other changes due by or received by members.
- Receive and post assessment payments from members in a timely manner.
- Have liens filed on properties for non-payment.
Property Management
- Review work performed under all maintenance and services.
- If directed by the Board, attempt to obtain relevant certificates of insurance from contractors designated by the Board.
- Receive service request for repairs or maintenance of common areas.
- Oversee upkeep of common areas.
- Maintaining a community's swimming pool.
- Retain a landscaping company to cut grass and care for plants and trees in common areas.
- Retain landscaping company to maintain designated area around lake.
- Maintain pavilion and performed repairs as needed.
- Oversee a pool-cleaning company that performs routine chemical checks.
- That neighborhood equipment, and lighting are all in good working order.
Covenant Management
- In accordance with the Board's policy, periodically (at least once a month) visit the community to record, monitor and observe readily visible covenant violations on the street.
- Upon Board approval arrange with contractors to remedy non-compliant issues.
- Review request for additions and changes to the exterior of homes including fences, pools, enclosing patios, etc.
- Establishing a web site or web portal for the Association.
- Assignment of one or more of Manager's employees to manage all claims or demands asserted by or against the Association, or any director, officer, employee or agent of Association.


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"Follow your bliss and doors will open where none existed" - Joseph Campbell
Why should you care about art?
Art can illuminate the human condition and be a catalyst to social change ...it can foment revolution...it can make a difference in individuals' lives...in your life. This is the story of how, with your help, art can help change human consciousness around violence against women, begin a healing process that will make room for women's voices, and ultimately result in a balance of energy that will allow women and men, and everything we interact with to thrive…this would change everything!
For me, this story began when I was 7-years old and my best friend was a 9-year old little girl. One day I was told that she had been raped right outside of my house. Of course, I didn't know what this meant, but I was told.... in way too much detail. It was incomprehensible, horrible, I never forgot, I never understood...it haunted and still haunts me. I thought...that man couldn't have realized my friend was a person, that if he really could see her, that if he realized she was, this wouldn't have happened… it couldn't have. I have been working on solving this problem ever since then.
I grew up in Berkeley, San Francisco and Santa Cruz in the 60's and 70's, in the philosophical revolution and turbulence of those times. I came to believe that we are all one and that harm to another is really harm to self. I learned to deeply appreciate feminine energy, influence and strength…and realized that the objectification of women imprisoned women and also men. I saw first-hand that one person, or a small group of people, can start a movement that can make a difference and change the course of history. My sense of urgency, personal agency and responsibility runs deep.
In my 20s I discovered sculpting and in particular the joy of seeing and then sculpting women; of the healing energy and power that I saw when women were not afraid...when they could be present, when they could be themselves, speak their minds...and the heroism it takes to do this in the face of real danger in their daily lives. At about this time, I read Joseph Campbell and was struck by the passage: "follow your bliss and doors will open where you never knew they existed". It was on the birth of my own daughter that everything I had been working on and thinking about came together and I realized that my bliss was to carry this message through art.
So why do I sculpt nudes? For more than 25 years I have been sculpting women. At first glance, they appear to be classical figurative nudes, but they are not. They are radically modern...revolutionary. I intend to directly challenge the notion that the female body must always carry a sexual charge. This is dangerous and we need to change the way we think about it. With the female body demystified it is the feeling, the individual, the energy, the strength, the power, the beauty, the person that remains. As a Burning Man artist/attendee I have experienced a place where this is real. The women I have sculpted are safe, present. They have chosen their own expression, so you will see the actual woman, the person, her energy and spirit. It is my intent that these sculptures exude this healing energy and inspire us to take action; to finally say enough is enough.
Click on the photo for more information on each piece:


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Da Vinci Piazza Limestone is a stone effect luxury vinyl tile flooring. Based on classic limestone, this replication offers all of the style, tone, gentle mottle pattern and surface texture in a modern, low maintenance flooring material.
Product Spec:
Dimensions: 406 x 406mm
Thickness: 3mm
Wear Layer: 0.7mm
Bevel: Yes
Pack Size: 3.3m2
Suitable For: Commercial, Domestic
Suitable for Underfloor Heating up to 27 max temperature.
Manufacturers Warranty Domestic: Lifetime, Commercial: 17 years. (Subject to T&Cs)
Installation Tips
Acclimatise flooring for minimum 24hrs before fitting.
If you are buying design strips you must ensure they are the same depth as your chosen floor.
This is a glue/stick down product. Specialist adhesives are available.
Subfloor should be latex screed, Plywood or Jumpax. These are the recommended subfloor type to ensure the Karndean and adhesive bonds correctly.
It is essential that the subfloor is dry before fitting. Specialist metres are available.
It is advised all Karndean flooring is fitted with Karndean branded accessories and adhesives.
For further help & advice please call 01604 664859 or email us
How delivery is arranged.
We give you a full 14 days to return unwanted or excess goods (terms, charges and limitations apply) and 30 days for any faulty items. Please contact our customer service team who can guide and help you with the process. Take a look at our useful guide to returns for extra information. Read our full terms of service.
Our website will keep you protected...
Our website is 100% secure allowing you to pay by credit or debit card (No Amex, sorry) or paypal with complete peace of mind.
If you'd like further advice contact our team who will be happy to help.


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Facing the World
Charity information
Facing the World
Facing the World provides reconstructive surgery to children from the developing world with the most severe facial disfigurements
Founded 2002
Mission statement
Facing the World is a children's charity. It has been set up some of the UK's leading craniofacial surgeons so that children in desperate need, living without hope in the world's poorest countries, can have access to the very best surgery that can transform their faces and radically change their quality of life.
We are here to offer facial surgery to children from poor countries across the globe that have no other chance of finding the surgery to help them overcome their disfigurement. We will also support the development of new ways of treating severe and sometimes devastating facial disfigurements through research. Facing the World has the medical resources, the infrastructure, the desire and the determination to change the life of these children who have no hope.
Facing the World aims to:
- the first aim is helping children for whom surgery can be life-changing and who have no other hope of being treated in their country, bringing them from over 20 countries to the UK for the treatment.
- Wherever possible we enable children to be treated locally networking and providing international training to enable local medical teams to treat children y in their own coutries.
Established: April 2002
Registered Charity Number: 1092772
Board members: 8
Full time staff: 3
Part time staff: 1
Volunteers: 120
Phone number: 020 7351 7832
Address: London House 266 Fulham Road SW10 9ELView charity accounts on the Charity Commission website


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Perhaps somewhat surprising is that many Austrians have not even watched The Sound of Music and don't fully realise the enormous impact the film still holds across the world today. In Salzburg, however, the word has long been out, and nearly all of the city tour companies now offer their version of The Sound of Music Tour.
See your favourite things from the movie as you snap a selfie at Mirabell Gardens and the Pegasus Fountain where Maria danced with the children, see the lake where the unforgettable boating scene took place, or sneak a kiss with your special someone at the "16 going on 17" gazebo at Hellbrunn Palace. There are also stops at Nonnberg Convent where Maria lived as a young nun and the wedding setting of Mondsee Church. Between stops, you'll be invited to sing along with your enthusiastic guide as you enjoy this comprehensive 4-hour tour which not only highlights movie locations and sites, but also introduces the historical and architectural gems of Salzburg and pretty views of the Lake District. Several companies run tours, so while their exact itineraries/sites may vary, the experience will surely be a lasting Sound of Music memory!
Salzburg Panorama Tours
There are a number of companies offering Sound of Music Tours:
Give us a call Monday to Friday from 8am to noon. Outside of our office hours please drop us an email and we'll be happy to answer your questions.Holiday information
Our holiday experts are here to assist you with your holiday planning. Give us a call from 8am to noon or drop us an email and we'll be happy to answer your questions.
00800 400 200 00*
*toll-free; calls from mobile networks may incur charges
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Subscribe to our free monthly e-newsletter and receive great information about Austria.Newsletter


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I've started a yearly tradition of closing out my year in a humbling way; by losing. What?! Yup. I'm a loser. In New York City I'm a well paid personal chef all year long, but I return home for the holidays to Southwest Missouri and there are two home cooks that outshine me in the kitchen. (And in a lot of other ways too!) Shaun Steele and Jason Shelfer, I salute you. Nobody likes losing, but coming home every Christmas and losing to these two gents (in a cooking competition, mind you) ends up being one of the highlights of my whole year.
It's a simple equation....Good friends + Good food + A fun game = A great party, even if there's a loser. But throw in the bonus of raising funds for one of your favorite organizations and everyone comes out a winner! Last December I shared recipes and results from the S'macDown of 2016 - the macaroni and cheese cooking competition held over the holidays while I was home. To place votes, party guests sampled food 'entries' and voted with their dollars. (I lost then too!) Our event was so much fun and raised a sweet little sum for Art Feeds Carthage, the boys and I immediately starting planning the next cook-off.
This year, the three of us pulled out all the stops. The name of the cooking game was The Great Waffle Off of 2017...a feast of chicken & waffles, hosted by my sister Jules in her (decorated to the 9's) historic home in Carthage. Shaun came in first (again!) with Buttermilk Belgian Waffles, Cajun Panko Fried Chicken with Country Ham Cream Gravy and Cherry Whiskey Maple Syrup. All four of those components together on one fork was truly one of the best culinary bites of my 2017. (And I ate in some fancy restaurants!)
Jason was our second place chef - generously frying up five pounds of perfectly seasoned Chicken Fried Chicken Chunks. He had a Sriracha maple syrup as well as BBQ sauce. Jason is a Red Lobster alumnus so he paid tribute to the biscuits of his old stomping grounds with Garlic Cheddar Waffles AND some fun sweet Hong Kong bubble waffles with sprinkles and hazelnut spread! Do you know about these? Bubble waffles, they're a real thing! My friends weren't messing around, no wonder I lost!
My entries were pretty tasty - I made Swedish style thin, lacy waffles and my chicken was a bit of a cheat. A delicious pro-tip cheat! If you can take a short cut in the kitchen with a readymade boxed or canned item - do it. And then put all your love, time, and energy into your homemade items. My culinary hero Sarah Simmons of NYC's Birds and Bubbles and the underground supper club City Grit partnered with Williams Sonoma and made a fried chicken kit. I don't think the kit is for sale right now, but Sarah was a guest on Rachael Ray and her magazine adapted the City Grit recipe. I may have lost the Great Waffle Off, but Sarah's recipe is a knockout.
Aside from besting me in cookery, Shaun Steele and Jason Shelfer are true winners in many other ways. They are athletes and artists, hard workers, incredibly smart and ridiculously funny, exceptional fathers, loving partners to their ladies, generous and selfless. They are superior friends, and yes, some damn fine cooks to boot. (Jason is chasing an even bigger win this year; he's running for Mayor of our mighty little town Carthage, MO! #shelfer2018)
So losing a cooking competition to these boys isn't humbling at all, it's an honor. I love them, their families, and our friends. Coming home to our sweet tradition is better than winning all the blue ribbons in the world.
I've written about Art Feeds before, but here's a recap below. Our little competition brought in $309 for this very important organization. You can donate HERE to add to our sum!
Art Feeds believes all children are artists. They exist to feed creative development and facilitate emotional expression in children through art and community. To do this, they provide free therapeutic art and creative education programs within schools and children's organizations by mobilizing teams of community members to bring all forms of art into classrooms.
I mean, what's not to love about that?! Support the arts. Support the people in your home putting meals on the table. (Even if you have a personal chef, someone is working hard to pay them and making time to organize the week's food.) Home cooks are the real deal. And if you live in the Carthage/Joplin, Missouri area - make Shaun and Jason cook for you! Leave a comment below giving us ideas for next year's kitchen battle. I've already thrown meatloaf and lasagna into the ring for consideration...
Shaun's Cream Gravy Recipe:
Jason's Garlic Cheddar Waffle Recipe:
Shout out to Daniel Todd who didn't come to the party empty-handed. He roasted real pumpkin and scooped it out to make us these Pumpkin Waffle Fingers! Fluffy, seasonal, warming, and a delcious treat!


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Issue 136
Gold: $1770.500/ Silver: $34.68
SGS Notes: Well, it's been another eventful week... if you had been watching silver prices this week, you would have seen the roller coaster we all experienced. I rarely write the SGS Newsletter main article(s), preferring to allow the 'experts' to speak since they can do it far better than I. However, I'd like to provide the following commentary to try to explain in simple terms what we saw happen this week, and some of the implications, taking information from the variety of sources I peruse daily.
Silver Market Roller Coaster & QE∞
Monday 10th - Our week started out with silver spot at $33.69 as the market opened Sunday evening, and Monday was pretty uneventful closing at $33.51.... the calm before the storm.
"Everything going on these days behind the scenes is interconnected to the take down of the 'Bad Guys'. From the US elections to the European situation to the silver market volatility - it's all interconnected. It is all an orchestrated play that is coming to it's climax. OUR TIME is approaching fast and this go-round there is no stopping what is to come." Bix Weir 9/10
(See 'The Planned Silver End Game' at right)
Tuesday the 11th Monday was followed by a volatile day on Tuesday the 12th. Prices fluctuated all day in a $.40 range... and finally cloased the day at $33.62.
Tension is mounting as the world awaits the speech & anticipated announcement by Ben Bernanke on Thursday.
Wednesday, the 12th all is still fairly quiet when WHAM! around 10:30 a.m. EDT, we have an abrupt downturn of $1.
If there was any doubt in your mind about the silver market manipulation, this week's activity should lay it to rest.
Wednesday's smackdown by the manipulators is on record for all to see. How does a naturally occurring market make a instantaneous drop of almost $2.00, then rise $1 within the hour ???
So what was happening?
One of the favorite tools of the manipulators is to do a quick massive sell-off, which triggers the stop-losses of other investors and floods the market, thereby causing a sharp downturn in price. At the bottom of the downturn, they use the same money to buy up more positions before equilibrium returns. When you are dealing with millions of shares, $1 in price can make a big difference.
Remember we've been hearing how JP Morgan (primary culprit - there are others) holds a massive naked short position in silver derivatives.
Wednesday, I got this from Bix,
" Just a heads up about the Fed announcement tomorrow...
I don't know what that backfire will be but in the Road to Roota Theory the Fed will have to be blamed for the global monetary meltdown. It may be the announcement of some form of QE3 as that would be something that is very visible.
Whatever comes from the announcement watch for the global meltdown to increase in speed over the weeks following."
" Just a heads up about the Fed announcement tomorrow...
I don't know what that backfire will be but in the Road to Roota Theory the Fed will have to be blamed for the global monetary meltdown. It may be the announcement of some form of QE3 as that would be something that is very visible.
Whatever comes from the announcement watch for the global meltdown to increase in speed over the weeks following."
Thursday, the 13th
Bernanke announces QE to infinity...
Bix's comments:
"No limits. No end date. This is QE to INFINITY!
Make no mistake...this is all on purpose. This is the END GAME and the blame for the global meltdown will be placed, rightfully, on the shoulders of the Federal Reserve.
Basically, the Fed has chosen to FALL ON IT'S OWN SWORD!
The Gold and Silver move upward has caught all the shorts off guard. The Bad Guys are in deep, deep trouble as they took their cues from the likes of Jeffrey Christian and Jon Nadler who were advising EVERYONE to short gold and silver. Now it gets exciting!"
Silver had a small drop right before the announcement, then a huge leap of $2.00 where it broke through the $34 ceiling almost reached $35 before dropping off a bit, and continued on almost flatlining throughout Friday.
What was the final outcome of the week? Check out this week's COT Report (at right).
"Clearly, the commercials were preparing for a massive raid on Thursday, until Bernanke dropped their pants by announcing QE∞." Watch for the upside in silver in coming weeks ahead.
Bix Weir is looking for a major CFTC announcement this month on the imposition of position limits, the beginning of the derivative implosion, followed by a silver 'moon shot' in October.
Other Articles
The PLANNED Silver End Game
Bix Weir
Silver COT Report
German Court Caves to Euro-Zone Hyperinflation
Jeff Nielson
Bernanke Defends Unlimited QE, as Market Goes Wild
Business Insider
FED Press Release
Ron Paul is Right; the FED and Lunatics that run it is the heart of the problem
Where Does Money Come From?
China Launching Gold-Backed Worldwide Currency
Judge says $80M Gold Coins belong to the Government
More articles are posted on
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John Williams (Shadowstats)
Sell-Off in Dollar Should Evolve into Hyperinflation
We're Minting
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Issue 132
Gold: $1616.50/ Silver: $28.18
SGS Notes: If you've been following the prices of precious metals the last couple of weeks, you know that we saw a drop down in the high $26 range… that has been eclipsed this past week by prices moving up over $28. This is just the beginning of what looks like a new move upward in silver and gold prices, according to experts we're reading. And although our focus is precious metals, there are a lot of factors in banking and finance that have a relationship with these monetary metals, which is why we report on economic and other finance news.
Precious Metals vs. Commodities
Jeff Nielson, BullionBulls, Canada
I had the opportunity to listen to an inteview with noted commodities-guru Jim Rogers, which is never a bad investment of one's time.Rogers is both very astute, and a straight-talker; two "commodities" which I'm sure that he would purchase if he could - since both are clearly in short supply in the 21st century.
The central topic on the mind of Rogers' interviewer was Ben Bernanke's farcical testimony before the U.S. Congress. That love-fest had all the interrogative value of spending the day watching Sesame Street. Rogers was also totally unimpressed:
…Mr. Bernanke is going to print more money…I wouldn't pay much attention to the man…He only knows one thing - and that's what he's going to do…
…Mr. Bernanke is going to print more money…I wouldn't pay much attention to the man…He only knows one thing - and that's what he's going to do…
The interview then proceeded to Rogers' specialty: the world of commodities. He remains totally committed to commodities over the long term, rightfully pointing out that as the global economy continues to be drowned in mountains of the bankers' paper currencies, that these hard assets must soar in price - as all that paper collapses in value.
When asked to compare the different commodity sectors, Rogers was also unequivocal. He was most bullish with respect to "soft" commodities and industrial commodities, while less bullish on the monetary commodities: gold and silver (at the present time). It's here that I'm going to dare to differ with Rogers to a degree.
I wouldn't presume to contradict his long-term prognosis on the future of commodities, in a commodity-starved world. In fact I completely agree with him. However, it is over the short/medium term where I believe I detect a small inconsistency in his analysis of these markets.
The inconsistency lies in the fact that Rogers fervently believes (as do I) that we are on the verge of a Flight out of Paper. He ranked the various forms of these fraud-currencies, and said he expected the holders of this paper to soon begin an exodus out of the most-worthless of them - specifically noting the U.S. dollar.
He also observes that once this exodus starts that there will not be enough stable currency remaining in the world for all of the U.S.-dollar refugees (and other paper-holders) to find a home. This leads to the obvious question: where will all those other $trillions go?
Rogers' implicit answer is that this paper will flow into his favored soft and industrial commodities. However this ignores a large and obvious practical issue: the absolute need for functional currency. Once we ditch the last of our banker-paper in favor of holding our wealth in some instrument which actually has value, we cannot simply all load up on commodities.
People are not going to go to their local shopping mall lugging bushels of wheat, barrels of oil, or truckloads of lumber in order to do their daily shopping. However, they will be quite happy to conduct their commerce using silver and/or gold coins, since as a species we have collectively had thousands of years of practice in using this only form of "good money".
What we have here is the world's foremost expert on commodities warning us that we are about to experience a shortage in a "commodity" with which our modern economies cannot function: usable currency. Then there is silver and gold. These precious metals have a 5,000-year track-record of being the world's ultimate "safe havens", because they are the only perfect form of money we have ever been able to devise.
At the same time, thanks to (literally) a century-long propaganda campaign to cause people to forget the true status of these precious metals, gold and silver have never been so under-owned as assets in the history of our species. Even when times are good, people have typically held between 5% and 10% of their wealth in gold and silver, while in times of peril those ratios typically soar.
With entire nations going bankrupt, and with the highly-respected Jim Rogers predicting an exodus out of many paper currencies (such as the U.S. dollar); we have never experienced an era of such extreme economic crises in our entire lives. Yet instead of even holding the "normal" 5 - 10% component of wealth in precious metals, Western investors currently hold only about 1% of their wealth in these assets.
Consequently, with demand/ownership at a temporary and artificial trough just as we are (apparently) about to experience an explosion in demand for these metals; the current rock-bottom prices for gold and silver cannot last. Here Rogers also had some guidance to offer investors.
He noted what is regularly pointed out by myself and other precious metals commentators: in relative terms silver remains a superior value to gold. Rogers based this assessment merely on the fact that the current gold/silver price ratio is sitting at an absurd level of roughly 55:1, as compared to the 5,000-year historical average of 15:1.
This alone implies the price of silver should currently be more than three times the present price, nearly $100/oz. However this ignores 50 years of 'destruction' of silver inventories and stockpiles; the direct consequence of well over a half century of price-suppression of this market - primarily through the extreme and relentless "shorting" of silver by the bullion banks (notably JP Morgan).
We have the world's foremost expert on commodities predicting a shortage of the most important "commodity" for any modern economy: legitimate money, the foundation of all human commerce. We have the two most-reliable forms of money currently being the two most under-owned asset classes on the planet (implying a steep discount in current prices). And we have one of those commodities (silver) priced at a further, steep discount in relation to the other (gold).
This is called "a buying opportunity."
WEEKEND SALE on ½ oz Divisible Walking Liberty Rounds !!
This weekend only (Friday - Sunday midnight) we are offering our
½ oz Walking Liberty Traditional and Divisible rounds at $1.00 off.
Price shown on the Web Site is already discounted.
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CFTC Silver Investigation
Ted Butler
Financial Times' Report That CFTC to Drop Silver Investigation is 'Inaccurate & Premature
Gold & The Perfect Storm That Will Lead to Collapse
Peter Schiff
How To Run A Central Bank With a Gold Standard
The Tortoise And The Hare
Jeff Nielson
More articles are posted on
our FB Page…
The Biggest Banking Scandal
The World Has Ever Seen
Silver Shortage This Decade, Silver
Will Be Worth More Than Gold
Issue 129
Gold: $1663.90/ Silver: $31.40
SGS Notes: Okay, we've crammed a lot into this newsletter, we admit it! But, if you've been following the economic news and the precious metals market, you'll be aware that there is a lot looming on the not-too-distant horizon. We feel the urgency to get you as much information as possible so that you can be prepared.
Two Scenarios For Next Precious Metals Rally (Part I)
Jeff Nielson, Bullion Bulls, Canada
Let me preface this piece by first stating that my reason for writing it was not to induce people to guess which scenario they found more probable, and then to place their bets beforehand. Rather, my purpose was exactly opposite: to prepare people for either scenario so that when they recognized one or the other unfolding they wouldn't do something stupid in a moment of panic (or greed).
Sadly, in our markets to "do something stupid in a moment of panic" generally means doing precisely the opposite of what one should be doing. This also explains why the bankers like to start panics. First of all, as the cause of these panics the banksters are neither "panicked" nor (obviously) surprised themselves. So they continue to operate calmly (in this feeding-frenzy) while the sheep make themselves especially easy to shear.
As a result of this never-ending game being played in our markets by the bankers, there is genuine utility in looking ahead (something the sheep almost never do) so that when events do unfold we will be prepared to act (calmly) - as opposed to reacting in panic (as the bankers desire).
With that preface out of the way, the next task is to explain/define these two, looming scenarios:
Putting aside the fact that gold and silver are the most undervalued assets on our planet today; despite this ever-present truth the sheep generally need a "reason" to jump on the precious metals bandwagon. The irony here of course is that simply by jumping on the bandwagon the sheep supply the necessary momentum to drive prices higher - meaning that no "reason" is every truly necessary for gold and silver prices to go higher, in accordance with their ultra-bullish long-term fundamentals.
So the Catch-22 of the precious metals market is that we always need some catalyst to break gold and silver free of the intermittent bankster-created "log-jams" which have occurred in this market over the course of its 10+ year bull run, even though there is never any reason necessary to bid-up these grossly undervalued assets. In the last several years we have seen (arguably) three such catalysts. Two of those catalysts were events and one was a "crash".
Taking these catalysts in chronological order, the first of the three was the Crash of '08. Critics will argue that a "crash" is precisely an example of an event-driven catalyst. However, as I alluded to previously a market-crash is a particularly unique form of event, due to the extreme and unusual sentiments which accompany that event. The second reason to distinguish this catalyst from an "ordinary" event which serves to drive the market higher is that the circumstances prior to a crash will be markedly different from the circumstances of any other event-driven rally.
To begin with, one very likely clue that we will be on the precipice of another banker-created crash is that gold and silver (and likely all commodities) will begin to rally strongly without any identifiable cause for their strong surge in prices. To be more precise, the mainstream media (i.e. the propaganda machine) will not supply us with any "reason" for these soaring prices (other than pointing to their favorite scapegoats, the evil "speculators").
They will not tell us that those price increases are nothing but playing catch-up for the previous $trillions in money-printing. Understand that what responsible precious metals commentators generally tell their audience is that we accumulate gold and silver merely to preserve our wealth - i.e. we're not doing this (greedily) looking to turn a profit. However, the fundamental truth is that the decades of suppression, and the even more extreme manipulation of recent years mean that gold and silver are more undervalued today than they were at the beginning of this bull market over ten years ago.
Similarly, with the banksters' paper grossly overvalued, this means that most commodities should be soaring to much higher prices, simply based upon the long-term ramifications of year after year of hyperinflationary money-printing. Here we come to the ultimate fear of the banksters, and the political stooges who serve them: they know that the end of their entire, paper Ponzi-scheme will be imminent when prices for hard assets (i.e. gold, silver, and commodities) begin to soar without any explicit short-term causes.
Unlike the brainwashed sheep, they know their history. They know that the ultimate cause of all hyperinflation is a general loss of confidence in (worthless) paper - just as the Dutch "lost confidence" in their precious tulips 400 years ago. Thus when prices begin soaring (i.e. the paper begins to crash) "for no reason", the real reason will be that people are losing confidence in the paper and dumping it in favor of hard assets.
This precisely describes circumstances in the spring and summer of 2008, and explains why the bankers decided that nothing less extreme than a "crash" would suffice to put the brakes on the looming hyperinflation. What this means is that unlike an ordinary event-driven rally for the precious metals sector we will be tipped-off prior to the next crash being manufactured: we will see another instance of spiraling gold, silver, and commodities prices with charts showing a clear exponentially-rising pattern.
The banksters will not sit back quietly and allow their $100's of trillions in Ponzi-paper to evaporate. Inflicting severe economic hardship on 100's of millions means nothing to them. Indeed, the bankers have an even more extreme "solution" for dealing with a pending hyperinflation scenario: starting a war.
Hitler started World War II to cope with the aftermath of Germany's hyperinflation from the Weimar Republic. However Hitler wasn't a banker. He had no mountains of worthless paper to protect. His only motives were to create a smoke-screen for the economic ruin from the preceding hyperinflation and to cover-up his own economic mismanagement, which is an inherent aspect of all Fascism.
With the bankers (and the ultra-wealthy Oligarchs) being firmly in charge of our governments today, war would be a tool that they would use undoubtedly before any hyperinflation reduced their mountains of paper to what it really is: "Monopoly money". Thus should we see another repeat of the explosion in gold, silver, and commodities prices which took place in the spring and summer of 2008, many would suggest that we should hope for a market crash.
Those with the inclinations to be "traders" (i.e. the greedy) will be sensing opportunity at this point. They will note that we will have a clear warning before the next crash is manufactured. They will note that such a crash will occur when we see a distinctive repeat of what occurred in gold, silver, and commodity markets in the spring/summer of 2008. They will look at the charts for gold and silver for 2008, and they will think to themselves "sell".
This would be a colossal failure of analysis, and another triumph for naked greed. Simply because identical circumstances cause the bankers to use an identical "tool" (i.e. a market crash) does not mean that the consequences of their reckless intervention in markets will be identical.
Our economic circumstances in 2012 are enormously different than in 2008. Today our economies are all much weaker. Today our economies are all much less solvent. These two different dynamics both have significant implications in any crash scenario. Create a crash in a (relatively) strong economy and there is resistance; that is, that residual economic strength will push back against the downward economic pressure of a crash - slowing the descent and stretching-out the length of time of that downward slide before "bottom" is hit.
Conversely, create a crash in a weak economy and all you have is free-fall. We would (will?) see a crash which is much faster, and much more severe. This alternately means that anyone attempting to "time" this event by selling their gold/silver and then (assuming they can) buy it back it cheaper could miss badly in either direction.
The fact that a 2012 crash would tend to be a much faster event would mean that it could be over before all the would-be traders are expecting. They are sitting-and-waiting (for even cheaper prices) with their pile of depreciating paper, while prices have already began bouncing back. And as with the Crash of '08, the rebound in gold and silver prices will be at least as rapid as their plunge, and likely even more rapid - leaving all those greedy "traders" still waiting at the station.
On the other hand, with a crash in 2012 undoubtedly a much more severe economic event, would-be traders could easily jump back into the market too soon - and do their buying with prices about to plunge much lower. We can assess those relative probabilities by looking at our other different dynamic for 2012: much less solvent governments.
The Crash of '08 sparked the Money-Printing of '09, which in turn has directly led to the Debt Crisis of 2010-to-present. The "64-trillion-dollar question" today is this: if a crash in 2008 caused a debt-crisis (when our economies were relatively strong), what would a crash do in 2012 - with our economies all weak, and all of Europe already in a debt-crisis. The answer to that question is really simple. Everybody is Greece.
The combination of an even worse crash, with much weaker economies, already in the midst of a debt-crisis means that either the money-printing would have to be much, much more extreme (i.e. guaranteed hyperinflation) or it would fail to halt our economic crash despite the extreme money-printing.
Understand that every new "dollar" of paper created is created with more debt. Understand that our interest rates are already as low as they can go, and still we see the debt-dominoes going bankrupt one-by-one. So doing much more money-printing means piling on exponentially more debt onto already insolvent economies while revenues are simultaneously plummeting lower. This precisely describes what just took place in Greece.
So when "everybody is Greece" (including the world's worst debt-sinner, the United States) what are the holders of $10's of trillions in Western bonds going to do? Will they stoically and nobly "go down with the ship" like the Captains of Finance that they are? Or will they all scramble for the nearest "lifeboat" like proverbial rats deserting that sinking ship? I'll let readers answer that one for themselves.
In the Crash of '08, it was only the gold-bugs (and silver bulls) who were thinking to themselves "paper is going to zero". The sheep were still all running towards that worthless paper. In any crash in 2012 (or 2013) it will be obvious to everyone that "everybody is Greece", and all that paper is going to zero.
What this means is that in any future crash event, any sell-off in gold and silver will end very quickly and very abruptly, when all of the "rats" from the bond-market (belatedly) try to swap (worthless) paper for (valuable) metal. Naturally, all of the extreme money-printing taking place means that the underlying paper currencies are just as worthless as the bonds.
This should mean that all the sheep would be dumping their paper currencies for gold and silver too. However, that would imply rational thinking. Since the panic of any crash event means the opposite of rational thinking, the holders of our paper currencies will undoubtedly do even worse than the bond-holders.
As I continue to point out to readers, it would take much less than 10% of these paper-holders turning toward the 5,000 security of gold and silver to cause precious metals prices to soar to many multiples of present prices (especially in the tiny silver market). This comes at a time when people are only holding about 1/10th as much precious metals in their portfolio as is the historic norm.
The question for the precious metals bears and skeptics is this: if gold and silver prices can go on a 10+ year bull-run while ignorant Western investors have under-owned this asset class to the greatest degree in history, what happens when all of the "stupid money" of the West belatedly rebalances their holdings?
As an aside, this raises a secondary question: how can the drones in the mainstream media continue to talk about "bubbles" in gold and silver while these assets have never been so under-owned by Western investors?
When thinking investors begin to ask (and answer) these questions for themselves, their strategy for any crash scenario should be clear: don't idiotically sell the gold and silver they are already holding, greedily hoping they can cash-in on some "obvious" short-term trade. Rather they should be buying more gold and silver in any crash, even in the face of rapidly falling prices. They would know that any plunge would be very short in duration, and will reverse higher very, very strongly, when all of the paper-holders finally begin to "see the light".
Naturally, the my hope and that of all other gold and silver bulls is that we can see gold and silver begin their next, inevitable rally from some event which inspires much less fear and economic carnage than an economic crash. In Part II, I will flash-back to two such events, and note both their significant similarities and significant differences.
To read Part 2 click here
New At SGS!
Introducing our new Silver Bullet !
Whether you are protecting yourself from Werewolves or Inflation, this Silver Bullet is for you! We are excited to introduce this Silver Bullet novelty item. This item includes a set of TEN 1/10 oz .999 fine Silver Walking Liberty rounds, contained in a semi-transparent 12 gauge shotgun shell.
This item is not only a great investment in precious metals, it makes for a great conversation piece. If your group or organization would like to customize this item, we will work with you to create a custom label with your favorite slogan or logo. (Additional pricing will apply)
We also have the 1/10 oz rounds available for purchase individually on our site now. These are the size of a dime and a good alternative to junk silver which is only 90% pure.
The Seven 'Ds' of the Developing Disaster
Alf Field
The Implications of China Paying in Gold
Jim Sinclair
Greenspan's Golden Secret
Bix Weir
Greenspan's Golden Testimony
Bix Weir
Gold & Economic Freedom
Alan Greenspan
Gold & Silver as Parallel Monetary Systems
Hugo Salinas Price
US Dollar VS Gold: Epic Money Battle
USA Watchdog
Gold "Bargain of Lifetime" As Gold Standard Inevitable, Possibly Within Year - $10,000/oz Looms
Golden Dreams & Global Nightmares
Alex Stanczyk
Harvey Organ:
Get Physical Gold & Silver!
Adam Taggart
Why Gold & Silver?
Mike Maloney
The Golden Revolution
Bill Murphy Pounding Away at the Gold Cartel!
On the lighter Side… ; - )
New 1/10 oz Rounds
1/10 tr. Oz .999 fine silver
Coin Tubes also available!
Quote of the Week
"Paper money has had the effect in your state that it will ever have - to ruin commerce, oppress the honest, and open the door to every species of fraud and injustice."
- George Washington


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Return of the Curse
It's come back... Dec. 31, 2006 USA 95 Min.
Video trailer
An evil curse passed down through the generations causes unsuspecting sufferers to lose their sanity and set the wheels of their own demise into motion in this dark tale from Sleep Disorder writer/director Chris Penney. Upon noticing that their friends and loved ones are all taking their own lives, two desperate survivors race to break the curse before their bloodline is lost forever.
Original title Return of the Curse
IMDb Rating 1.8 11 votes


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Our family business operates in many countries worldwide with about 4,200 employees. We make sure a host of different products and goods in numerous industries are successfully transported, sorted and packed. Our methods make the difference: "we work different".
We do not focus on short-term profits, but long-term perspectives. Tradition and innovation as well as an atmosphere of trust and cooperation form our foundation to master challenging projects on a day-to-day basis as part of a worldwide team.
Transparency, honesty, a sense of responsibility and a respect for others are paramount values for us as a family business.
We offer experienced specialists and managers a host of career development opportunities. New challenges each day and plenty of space for individual development characterise the way we operate.
Ambitious students and graduates can successfully bring dull theory to life in our company. Regardless of whether this is as part of our International Graduate Program, apprenticeship or studentship, we support you to the best of our abilities.


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I recently helped my friend John Michael design a logo for his amazing production company, The Tattooed Potato. Normally when I draw for someone else the results tend to be embarrassing (this wound up prematurely killing my illustration career) but JM had a knack for tricking me into creating something he could use. Here is the final version:
Here are few rough sketches and ideas that did not make the cut:


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Studio Pilates
Understanding where you are in regards to your road to recovery or where you are in your everyday movement is paramount to getting the most out of your body and your movement.
Ascertaining your Bridgeham needs and focusing and applying change can be accomplished.
Goal setting is important here at Bridgeham. You and your instructor and Bridgeham osteopath will create a Bridgeham treatment plan where all your wishes are heard! 1:1 sessions are 55 minutes long.
Our intention is to assist you whilst on your Bridgeham journey along the Patient progress chart to be the best you can be and achieve your desired goals.
In your wildest dreams what do you want to be able to achieve with your body and your movement?
1:1 sessions can introduce you to:
- the fundamentals of Pilates matwork or machine work
- Garuda matwork or machine work
- Rehab Pilates
These 1:1 sessions are great if you want to focus on your own needs and want to work out specifically.
Perhaps you want to master your technique of an exercise in pilates mat class that is your ultimate goal?
Maybe you want to learn to get in and out of the dining room chair with ease?
Maybe you want to learn to jump, hop, skip and run again!
If you want to partner up with your spouse/partner/son/daughter/best buddy or work colleague why not book a 1:2 session where you can work out on the equipment alongside one another. It's great to witness your own body change aswell as sharing in your 1:2 Pilates partner's experience! Help each other be accountable for being the best you can be!
Choose from weekly, twice weekly, monthly sessions...they are all options for your attendance and the commitment to yourself. Ask your instructor which option suits your personal programme the best.
The more frequently you move well, the better you feel when you move often!
The machines are so incredible, they can make new movements immediately achievable and you can feel on top of the world at the end of a session! A complete confidence booster and taster of how it can feel to move freely!
Come and try for yourself!


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Will students be able to take any classes outside of their specialty?
As long as the courses are offered & they doesn't conflict w/their major, why not.
Will students be able to take any classes outside of their specialty?
As long as the courses are offered & they doesn't conflict w/their major, why not.
At some schools yes, and at some schools no, but your advanced research revealed which were which.
The courses you are required to take vary from school to school, so you should begin by checking requirements for your chosen major and any core requirements for the college. If you are attending a conservatory or art institute program the courses outside your specialty may be limited because the curriculum is so concentrated. However, if you are majoring in the arts at a college or university, you should expect to take a number of classes outside the arts department. You may even be able to major or minor in an unrelated field. Everything depends on your college's requirements, so check the course catalog and ask.
Once again, this depends on the university. This is part of the selection process when working with a counselor. If you have interests outside of, let's say "photography", you want to make sure you are at an institution that offers more options. Some schools can be quite specific and others can place restrictions on courses you take outside of your area of concentration. With impaction occuring at some state schools, this is also something you want to consider when making a final decision.
Yes if they enter a liberal college that has general requirements, they will be required to take additional classes from other areas.