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It is never too early to start saving for retirement. Life does not stop at retirement, and you will still need money to take care of expenses. If anything, you might be required to have more by this time as you will be battling with health issues with aging or may need HGH therapies with https://www.kingsbergmedical.com. Do not get caught off guard: start preparing now. Why?
You will afford to live on your own
You have things you want to do in your retirement years. Well, staying at your kids" homes will definitely get in the way of ticking stuff of your bucket list. More so, you will need privacy and all the calm you can get in your retirement home. This, will, however, not be possible if you do not have a retirement plan. If you want independence once you retire, you need to start saving.
It will keep you from depending on the welfare system
While the welfare system comes in handy during the retirement years, solely depending on it will not give you the financial freedom you need. Limited financial resources will interfere with your retirement lifestyle. If you were planning on going for the vacations that you were unable to during your working years. It could get to a point where you will not even be able to afford the basic necessities. Start saving now.
You could benefit from reduced income taxes
Do you know why else you need to save for retirement? Well, you have probably heard about tax-deferred savings accounts. What happens here is that your income taxes are reduced when you make contributions to tax-deferred accounts. Save money as you save for your retirement.
You could generate money using your retirement savings
Time will work in your favor. Did you know that you could benefit from compound growth of your assets? Well, now you know. There is also the dollar cost averaging which with time decreases the overall cost per share of your savings.
It is easier than you think
The other reason why you need to get it going now is that nothing is stopping you. Saving for retirement is very affordable. You just need to redirect the money you are spending on things that you do not really need to your retirement account.
You might be unable to save tomorrow
You cannot always predict the future. Who knows if they will be able to save tomorrow? No one. Something might happen, one thing leads to another, and you can no longer work. That means that you will also not have funds to save. Start while you still know you can.
The kind of lifestyle you will lead after you retire is in your hands. You have the power to make it fulfilling or miserable. You do not want to reach the age of 60 with no savings. Save your loved ones the burden by saving now.


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Innovation Incubation: Slaughter & May Launches New Legal Tech Program
June 6, 2019
3 min read
What's going on here?
The magic circle firm has selected 6 start-ups for its first legal technology incubator, called Slaughter & May Collaborate.
What does this mean?
The companies that were chosen from 50 applicants to the firm's program are:
Tabled – a platform which helps provide a full picture of team projects by assisting lawyers in managing projects and tasks. It automates workflows and assigns tasks to team members.
StructureFlow – a platform which assists lawyers and clients in visualising complex legal structures and transactions with ease.
Clarilis – a document automation tool designed to create complex legal documents without the need to amend existing precedents or templates first.
JUST: Access – a transcription and dictation tool which uses artificial intelligence (AI) and natural language processing to produce transcripts and related analysis.
Logiak – a platform that allows users with no previous coding experience to create complicated logic/rule-based systems. Users could, for example, create an app to assist in determining whether a particular law or regulation applies in a certain situation.
LitiGate – an AI-powered litigation platform that provides a bird's eye view of each case and automates daily tasks.
What's the big picture effect?
Collaborate was created to assist a broad range of emerging companies in their development stage. It is led by Slaughter Partners Anna Lyle-Smythe and Nilufer von Bismarck, supported by innovation head Jane Stewart, knowledge head Alexandra Woods and senior technology lawyer Natalie Donovan.
The companies, under Slaughter's wing, will be able to develop, test and expand their products. This is because Collaborate gives them access to the law firm's clients, expert panels, dummy data for product testing, feedback, information security, collaboration spaces for development and a sandbox environment (a type of software testing environment that enables the isolated execution of software or programs for independent evaluation, monitoring or testing).
The 6 companies will also be given 2 mentors, one each from Slaughter's knowledge and innovation teams and a lawyer from a practice area relevant to each company's business.
Slaughter & May has a history of innovating with legal technology. The Magic Circle outfit tested and helped develop Luminance (an AI due diligence tool presently used by leading firms worldwide) and recently selected a third cohort of businesses to join 'Fast Forward' (its technology entrepreneurs' program). The firm understands that LegalTech has the potential to change the way lawyers do things. By creating innovation hubs, Slaughter can explore tools which could increase the speed and cohesion of its legal teams.
Collaborate is the firm's first legally focused technology incubator. However, Slaughter will not be providing the chosen 6 with legal advice. The program is instead aimed at pairing businesses in their early or mid-stages of development with clients like John Lewis, Vodafone, Santander, Standard Chartered and GlaxoSmithKline, to test the market, assess the companies' products and gain support from ranked advisors on a client advisory panel.
As a result, the chosen 6 will be able to scale their startups and develop products tailored to each client they work with.
Collaborate will run for 3 months, so watch this space.
Report written by Evania D
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New Pet Trust Law: Dartmouth Attorneys Explain the New Pet Trust Law
Americans spent an estimated 47.7 billion dollars on their pets in 2010. This is a clear example of how much we value our pets, similar to the way we value our own children. Like our children, we want to leave behind arrangements and finances to ensure that our pets can maintain a happy, healthy life, even if they outlive us.
Luckily, Massachusetts has adopted the new pet trust law.
This allows owners to write a trust agreement under which their pet is the beneficiary of trust funds. Starting April 7, 2011, your pets can finally feel safe knowing that when mom and dad are gone they will be able to maintain their happy loving lives. MSPCA Website
For more information, visit our website here.
41.667811 -70.987879


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Mokshayatan International Yogashram Saharanpur, Uttar Pradesh
|You have prepared yourself for service to God, country and your fellowmen. I congratulate you and wish you God speed. May your life be a joyous adventure in service to others.".
|"The efforts being made by Shri Bharat Bhushan and his Mokshayatan ashram in awakening the feeling of awareness among young generation is a work of appreciation as only the youth can keep the flame of freedom high.".
|"Yogi Bharat Bhushan is imparting yogic bliss to all without any consideration of caste color or creed. His yoga, health and character building program should be introduced in our schools and colleges also.".
|"I have been witnessing him closely for over 20 years. His contribution in the field of yoga is immeasurable. Mr Bharat Bhushan is truly the cultural ambassador of our country.".
|"My visit to Mokshayatan International Yogashram was a pleasant experience. I was benefited to see the TV serial 'Yog Ek Sahej Sadhna' given by Shri Bharat Bhushan.".
|"I feel benefited to have spent a few minutes in your company. It will be a matter of pride for me to associate myself with Mokshyatan International and contribute in the service of humanity.".
|"The work done by Shri Bharat Bhushan is spreading the message of yoga is of immense value. I had an opportunity to see his own thrilling yogic feats in Simla. For me it is unforgettable.".
|"Helpful, useful and taught with a lot of patience and kindness. I hope to meet Swami Bharat Bhushan ji again to move forward on the yoga way. 'Om Shanti'.".
|"Swami ji! We part with love, devotion and humanity till we meet again.".
|"Wonderful experience of the unity, wholeness and sharing of yoga. Hari Om Tat Sat.".
|"Guruji is the first yoga teacher who was able to give a living spiritual meaning to asana and pranayam that I have met. I have been doing yoga for 19 years. He is a very high powered spiritual being, who can inspire all. We are blessed with his Power, Teaching and Love.".
|Although a gentle but authoritative teacher Yogi Bharat Bhushan also showed a great sense of humor. In an answer to the question 'Where is your ashram, your yoga school? 'Arjuna ji' replied, 'It is in your heart'..
|Yogi Bharat Bhushan feels that foreigners come here to learn the art of living and it is necessary that we live up to expectation and provide the right kind of service..
|Swamiji says 'All paths of religion lead towards Yoga which is the ultimate religion. We can not become religious without becoming a yogi.'.
|Bharat Bhushan is the first person of the world having equal authority over western art of body building and traditional Indian science of Yoga..
|Rendering family responsibilities remarkably beside dedication to social services round the clock symbolizes that yoga is the wonderful art of remaining very normal even under all adrersities..
|Away from luxuries of modern ashrams this simple grehsthi yogi conducted series of activities to explore yoga and spiritualism in different parts of the country..
|The fragrance of cultural heritage of India is being spread world wide by Yogiraj Bharat Bhushan..
|This Yogi of global acclaim Bharat Bhushan describes the scientific and spiritual aspect of yoga and defines it as ultimate religion..
|Known as cultural ambassador yogi Bharat Bhushan has spread the light of pure science of spiritualism to entire world without any discrimination..
|Yogi Bharat Bhushan is the man of religion, philosophy and divine love who has the power of win hearts and accept all..
We will contact you soon !
Aarti Bhardwaj
Mokshayatan International Yogashram
Beri Bagh, Saharanpur,
Uttar Pradesh,


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The Disco Ball Goes Round and Round
TDirecting Our Emotions
May I have your opinion? "On what?" you ask with earnest anticipation and bated breath.
"DISCO!" I answer with enthusiasm!
Mic drop.
You've got an opinion about disco. Almost everyone does. Usually it goes either way to one side of the spectrum or the other. It's seldom in the middle. People either love it or hate it.
By now you've probably guessed this blog has absolutely nothing to do with disco. Okay, so what is it about? Oddly enough, it does have something to do with disco!
Disco is one of those things that almost anyone between the ages of 45 to 80 (the age range of most of my readers, so quite possibly you) remembers or has heard at some point. But the immediate reaction we have to a music genre is not unique to audible stimuli.
We are bombarded by the memories of experiences throughout our life. How? Through scent of our deceased grandmother's perfume; by the sight of an old shirt we were wearing when our last boyfriend broke up with us; with the familiar touch of our lover; and, in the taste of some significant dish we love for dinner.
And, it isn't what we are currently experiencing. It's all the memories that experience produces. Sometimes those memories are comforting, loving, and have that "good-all-over-fuzzy-feeling" we've come to crave. But other times it might initially cause us to become depressed, angry, or have an overall uneasy feeling.
You will go through many feelings today and throughout the rest of your life. A great deal of these provocations will come from social media. When that happens, and you know it will, take a moment to step back. Make sure that your current response is in line with your current consciousness, and not a throw back to a time you don't need to repeat.
But I still miss my platform shoes … and having hair.
Copyright © 2019 Terry Drew Karanen. All rights reserved.
This message may be re-printed, copied and/or forwarded without permission, as long as the content is not altered in any way and credit is given to the author.


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Well here's a spot I never thought I would be sitting in. The last time I wrote here I was feeling sad and pessimistic about my chances of getting into law school which had been my dream since I was 13. Well, 8 classes, 2 LSAT writes, and one convocation ceremony later and I actually have a difficult decision to make.
I've received admission to two of my top choices for law school starting in September. Western and Queen's. I've already paid a deposit to Western as I've only recently received admission to Queen's. It's a difficult decision, but one that I'm thankful to have.
I don't have long to reach a decision, but I'm excited that a new chapter of my life is beginning. And it includes LAW SCHOOL!
Decisions, decisions.
– Kali


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Sedation Dentistry
Sleep Apnea
Grand River Dental Care serves the Howell, Brighton, Hartland, Fowlerville, Ann Arbor and livingston County areas. We also provide teeth whitening, dental implants and sedation dentistry.
Howell - Cosmetic Dentist: Cosmetic dentist and trusted cosmetic dentistry with Grand River Dental Care. Contact Dr. Wayne Nelson to learn about your options. We also provide teeth whitening, dental implants and sedation dentistry.
Cosmetic Dentist - Brighton: Call us today at (517) 546-7211. The team at Grand River Dental Care is highly trained in veneers, teeth whitening and help with dental insurances.
Cosmetic Dentistry - Hartland: As a cosmetic dentist Dr. Nelson is also skilled in teeth whitening and veneers. Many patients can now have the beautiful smile they have always wanted.
Cosmetic Dentist - Fowlerville: If you've been putting off dental care for years, now is the time to contact Grand River Dental Care. Call our friendly team at (517) 546-7211 to schedule a consultation.
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Dental Insurance Howell MI - Most Carriers Accepted. Dental Insurance Howell Michigan - Call Grand River Dental Care at (517) 546-7211 - We can help you with your dental insurance needs.
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If you need to find a dentist contact us at (517) 546-7211 for a map, office hours and directions. We're looking forward to helping your learn about your options for affordable cosmetic dentistry.
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Dental implants Howell can be performed with cosmetic dentistry. Talk with Dr. Nelson about your options for implant dentistry. Our friendly, caring team of dental professionals is looking forward to meeting you.
Dental cleaning in Howell is now available with a caring dental hygienist. You deserve, gentle, thorough personalized dental hygiene care every time.
For a confident smile and straight teeth, call (215) 443-7373 to schedule a consultation with Warrington orthodontic dentist Dr. David Valen. Braces Warrington - Signature Dental of Bucks County provides friendly orthodontic dentistry for the family.
Call the Cosmetic Dentistry of North Texas team at (855) 664-2452 to set up an orthodontic appointment with Richardson Invisalign dentist Dr. Douglas Jopling. Invisalign Richardson - He-She} is skilled at providing Invisalign dentistry to create confident smiles.
Dr. Joseph Kelly, Jr offers accomplished Wilkes Barre periodontic dentistry at Kelly Dental Care. For Gum Disease Wilkes Barre - treatment call (855) 695-7452 to schedule an appointment with an experienced periodontist who offers expert care for gingivitis and bleeding gums.
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Thinking of designing and constructing your own patio or driveway? The process is actually a lot simpler than you might think, but as always in DIY, preparation is key.
Thanks to the internet, it's never been easier to learn DIY. You'll find a wide range of videos and informational guides to help you in your DIY patio and driveway project.
It also enables you to look online for design inspiration.
To give you a little help, below we're going to take a look at three things you need to consider before installing a new patio or driveway.
1) Will you need planning permission?
Some types of driveways will require planning permission.
However, that's only if you'll be creating a driveway using impermeable materials. That is materials which don't allow for adequate water drainage. If you're planning on using permeable materials which allow for drainage, you won't usually need planning permission.
Similarly, if you're building a patio, you'll only typically need planning permission if it's going to exceed 40cm tall. However, it's still a good idea to check with your local authorities prior to building a driveway or patio.
Understanding the costs and materials
Once you know you're legally entitled to build your driveway or patio, it's really important to consider the costs. Many homeowners underestimate how much it's going to cost to complete the project.
The costs will vary depending upon which materials you plan on using and whether you're hiring someone to help you.
It's not just the paving costs you need to consider, you also need to take into account the costs of laying the membrane, digging down (will you need a mini digger if you're constructing a driveway?) and then filling it with compacted hardcore.
You may also need to hire a skip to dispose of the old surface and everything you don't need at the end of the job. If you don't plan it properly, costs can soon increase.
As for materials, gravel tends to be the cheapest option, though it is more difficult to maintain. Block paving is a great alternative, with real stones being the most attractive, and most expensive choice.
Looking for inspiration
Perhaps the biggest challenge you'll have when building your own driveway or patio is coming up with the right design.
There are so many to choose from.
It's a good idea to look online, with Pinterest being by far the best website to visit for driveway paving ideas. Other people have already done the hard work – collecting ideas – you just have to find the right boards.
Check out these for starters.
Overall, it's not that difficult to build your own driveway or patio.
You just need to understand the basics and consider the costs, materials and design before getting started. Of course, you should also ensure you have the right tools at your disposal too.
Look for instructional videos online too as these will provide step by step instructions for DIY amateurs.


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Antique Rose Gold Star Maltese Cross Victorian Bracelet
Sold Out
Product Details
Late Victorian bracelet with an intricate Etruscan gold filled mesh topped with rose gold Maltese crosses or stars. The flexible mesh chain is a rich gold with the rose gold standing out. Closed with a slide clasp and accompanying safety chain, the piece is great worn alone or staked with others. Unique piece of antique jewelry!
Materials: Rose Gold, Gold Filled
Measurements: 7 inches around the inside and 5/8 inches wide
Weight: 37.3 grams
Date: Circa late 1800s
Condition: Very good with no discoloration and the gold bright. One of the rose gold elements is missing. The slide clasp closes securely.


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Art Deco Forever
200 Powell Street, just north of Market Street in downtown San Francisco, sports a gorgeous art deco glazed terra cotta facade… that is partially composite.
Two top two rows of tile are not the original terra cotta. The composite parapet replacement panels were made in 2008 by Kreysler and Associates (sponsor of this blog). They are sandwich panels made of outer skins of 3 layers of glass fiber, with a 1/4″ foam core. A custom gel coat was used to match the glaze color.
This shop drawing shows the long facade of the building. The shaded area is the part to be replaced with composite panels.
This drawing shows not only the surface details of the panels, but also the connections between panels and to the building.
This plan view of the same portion of the building shows that the panels were about 18 inches deep.
This detail drawing is the decorative panel that tops the pilasters.
The positive pattern for the decorative pilaster cap (left), with a fiberglass negative mold made from it (right).
The negative mold for the pilaster caps.
Decorative panels fresh out of the mold.
The parapet was a complex assembly about 18 inches deep.
Installation: note the absence of a crane. Composite panels are very light.
The appearance of the completed building hardly betrays the mixture of materials. The effect is quite convincing.
More images in the gallery. All images courtesy of Kresyler and Associates.


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SERA CLAMPAldo Parisotto
Sera Clamp candle lamp, designed by Aldo Parisotto and manufactured by Mingardo, features burnished matt iron structure with brass lampshade.
Indoor use only.
W 8.6" x L 10.8" x H 10.2"
W 22 cm x L 27.5 cm x H 26 cm
LEADTIME Most Mingardo products are made-to-order with a lead time of 4-6 weeks ex-factory; selected products may however be in stock. Please inquire with us for details.
FREE SHIPPING to the Continental U.S. and Europe.


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Schnucks to Close Two Rockford Stores
Schnuck Markets, Inc. announced today it will close its stores at 2514 S. Alpine Road and 1715 Rural St. at 5 p.m. May 31.
According to a press release from the company, all 139 employees at the stores will be offered positions at neighboring Schnucks stores prior to the closings. The Alpine location currently employees 84 workers while the Rural store has a staff of 55.
The company cites low sales and the costly operation of the two "older, smaller" facilities as key factors for the closings.
Also announced today was the closing of in-store restaurants and the restructuring of related areas at the Schnucks stores at 6410 E. State St. in Rockford and 1810 Harlem Road in Loves Park. The moves will mean the elimination of 15 full- and part-time positions at the East State Street location and nine full- and part-time positions in Loves Park.
"In order to stay competitive and offer the value our customers want and need, we are discontinuing services currently underutilized by the majority of our customers," Schnucks President and CEO Todd Schnuck said in the press release. "Eliminating positions is always a last resort, but these are directly related to the closed functions and could not be absorbed."
The stores' pizzerias will remain open with plans to feature expanded menus.
The St. Louis-based Schnucks operates eight other stores in the Rockford area. The company operates 101 stores and 95 in-store pharmacies in Missouri, Illinois, Wisconsin and Iowa.


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Phil Schiller, Apple's SVP of worldwide marketing, told reporters at a recent roundtable held at Apple's Machine Shop hardware prototyping lab that the company is "completely rethinking the Mac Pro."
The news comes as Apple's MacPro 2013 "trashcan" design finally gets its first update in 1202 days with modest updates to processor and GPU configurations.
The entry level Quad-Core $2995 base machine will see a bump to a 6-core Xeon and an upgrade of its dual AMD D300 GPU's to dual D500's. The 6 core model jumps to 8 cores with dual D700 GPU chips. Its base price will remain $3999.
There are no other changes to the MacPro, meaning that users will have to wait for Thunderbolt 3 and other advances.
But, according to Schiller at least, that wait at least may be a finite one. What's more it might not just be the computer that gets overhauled. "Since the Mac Pro is a modular system, we are also doing a pro display," he said. "There's a team working hard on it right now."
Schiller hinted that this re-envisioned MacPro will be completely re-architected and will have provisions for more powerful CPU and GPU configurations.
His comments are among the clearest admissions ever from Apple that the current MacPro 2013 has been a disappointment for many purchasers. "Our current Mac Pro has met the needs of some of our customers, and we know clearly not all of our customers."
Complaints about the current MacPro have included cooling issues with its circular top-venting design and inability to expand or upgrade its capabilities. Apple's chief of engineering, Craig Federighi, admitted that the circular design of the MacPro left them "a bit boxed in", further suggesting that the forthcoming machine will be entirely different.
Professionals as well as sites such as RedShark have long questioned Apple's commitment to the professional market and it is most reassuring to hear Phil Schiller's unusual announcement of a product roadmap.
We'll continue to watch with great anticipation, but don't expect anything to happen immediately, with reports that the team working on the new design have been told to take their time and get it right. "You won't see any of these products this year," said Schiller.
Via Buzzfeed & TechCrunch


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John Wick 2 - Winners
Congratulations to Drew Goodman of Hamilton, ON; Drew is the grand prize winner in the Dose.ca John Wick 2 Contest! He will be awarded with an Ultimate Action
Packed Blu-ray Collection! Congratulations once again to Drew, and thank you to everyone that entered this great contest.
-Your friends at dose.ca


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Mariano Díaz hopes to earn a spot in Luis Enrique's Spain squad after marking his first appearance since returning to Real Madrid with a stunning goal against Roma.
Madrid re-signed Mariano in August, just over a year after selling him to Lyon, and he fired a fine finish into the top-right corner in Wednesday's 3-0 Champions League win.
The 25-year-old's only previous international appearance came for Dominican Republic in a 3-1 friendly win over Haiti in March 2013, meaning he is still eligible to represent Spain, the country of his birth.
After making an emphatic return at the Santiago Bernabeu, Mariano made it clear he is keen to switch allegiances and turn out for Luis Enrique.
@marianodiaz7: "I'm very happy with the start, a win and a goal in my opening match." #RMUCL pic.twitter.com/4EagN6ULWx— Real Madrid C.F. (@realmadriden) September 19, 2018
"I would love a call from Luis Enrique, I hope I can be in the national team," he said.
"I'm very happy with the goal I scored, thanks to Marcelo's pass and my team-mates.
"I was eager but not in a hurry [to play]. I just wanted to work to get the opportunity from the coach."
Mariano was handed the number seven shirt vacated by Cristiano Ronaldo, but he does not feel any pressure to live up to the standards set by Madrid's all-time leading goalscorer.
"I have the seven but it's just a number," he said. "I do not give it more importance.
"I have a lot of respect for Cristiano and all the players who have worn it."


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Metaphysicist . Spiritualist . Alchemist. Healing . Spiritual Counselor, Seance reader ,Life, goals , relationships , business Advisor, love, Satanist . Occultist. ⚡
Judge Free Zone
My job is to give u clarity and Insight into the situations in your life . And to answer any questions you may have concerning those situations and your well being.
I am not a psychic. As everything is always subject to change .
I am a mind Reader, emotional interpret, energy sourcer , Medium , and I tell u the accuracy surrounding your emotions , consciousness and circumstances to help you to better understand the Situations In Your Life , and help to give you sound , positive advice to conquer, prevail and succeed.✨
I have been giving people Clarity , and Necromancy , Life advising , Over the Phone and in person for over 7 years .
✨ I Specialize in Relationship Advice, Career, Family Life , Self Love , spiritual Guidance , Parenthood, and financial Advice .
Born and raised in Louisiana , but spending most of my time in Seattle , Wa , I've always taken a keen fancy to cultural sciences , and the deep spiritual world .
As a process of healing for myself , I began Spiritual Counsel for , I, and others , with the use of Spirit / Tarot cards , Pendulums and necromancy .
We are all connected to a united source of the infinite universe , and I consult with those divine energies and ancient, the energies within , and around you to help guide you through life events to give you understanding, comfort , deep insight , clarity , and sound , positive advice on life's mundane , or deep events ! 💕
Need life guidance on Spirituality , Finances , Family life , Romantic partner , parenthood , Have a question about your life and which way your headed, and why??
Contact me today for the seemingly difficult , hidden questions , you seek , for the answers to specific situations you just can't seem to overcome , or fully understand on solely alone . ✨
Feel Free to check out comments by my many previous, personal clients , down below .
Looking forward to speaking with you , being diligent to your concerns , and universally guiding you , positively , and truthfully , soon 👍 .
Ty 🙏
No . It actually is a great a idea . An even better idea is to make sure that each market of business you bring in is very diverse , but that you are knowledgeable of , from the other . That way , your market brackets will differ , you will gain an amazing amount of vast experience , and you will always find challenges , learning new tools for expanding , and never get bored. Again the key here is diversity , but , Knowledgeable . Organization , and you won't be overwhelmed .
Well , first , you have to know exactly what you want to produce , and why . Then, you have to think about the brand of market that is viable at the moment , and/or the consumers you want to attract/market to . You have to brainstorm , figure in the cost of production & distribution + profit.
This won't happen overnight . Its going to take a lot of research , observation , planning and funding , of course .
But those are keynote factors you need to significantly consider , if you want to at least get your business headed in a successful direction . ✨
Invest , heavily , in yourself and Marketing , Marketing , Marketing . ❤
Plz , check my page . I can help you with this .
My call with Maria was spot on. I was in doubt about which business niche to focus on and she helped me realize that merging both interests would get me much more excited about the path I'm following. Thanks!
She was very positive and energetic. My reading was about my career and she tapped into things about it without my guidance. I would definitely recommend her to anyone wanting a reading.
Marie gives me so much clarity and confirmation when I need it, she delivers each and every time. I swear she knows when I need her lol that alone makes me feel at ease with her. Always on point, always keeping it real!!
Marie is life. She confirmed something that I needed to hear. I can always depend on her to give me clarity about a situation. I can walk stronger after her reading!! ❤
I got an reading that spoke to me and enchanting Marie, beautiful thing when a reading is for the person getting the reading and the reader. Sit that ego down and reflect.
This reading was dead on! She was so accurate with her words and it really have me a reality check I needed! I highly recommend her!
I really enjoyed my reading with Marie she was on point with my reading everything she told me made so much sense and it just gave me verification on what I was feeling and thinking I will definitely book another reading with her again. I will most definitely recommend her to others also. Thank you so much
I am at a loss for words, it is I had previously had a conversation with her about everything she revealed in my reading. Marie YOU ARE AMAZING! I feel so blessed to have had the opportunity to finally be in contact with you. I can't thank you enough! Thank you for igniting hope in me and reaffirming all the things that are deep in my heart and soul. You are truly gifted and I wish you continued growth and success so that you can continue to bless others as you have blessed me.
I'm in utter amazement me right now. She was so easy to speak with. She gave me so much clarity. I'm beyond grateful for our conversation, I went in to talk about healing but found out I'm already healed. She confirmed things that were spot on and also let me know that things I was unaware about. Thank you so so much for blessing me with your gift. May you continue to help others. I will be recommending her to others!
Enchanting gave me exactly what I needed spiritually, I needed clarity and as usual she gave me just that. She's able to pick up on things and it always amazes me how on point she is. If you want someone to give you a reading that's raw and uncut, she is definitely your girl.
Love love looove Marie!! Always on point, never sugar coats anything and always keeps it real. I always get the confirmation I need whether good or bad it's always clarity. I'll be calling back soon for another reading.


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Kwara State College of Nursing Entrance Exam Result And Interview Date 2017/2018
This is to inform all applicants of Kwara State College of Nursing and Midwifery that the entrance examination result is out.
All candidates who participated inn the entrance result are to proceed to check their results.
To check your result, visit http://son-ilorin.skool-board.com/
Enter your application Number and your payment Invoice Access Code in the spaces providedNOTE that the 'SON' in the application number is capital letters and the 'app' is small letters)
After you are logged in, select session: 2017/2018 and semester:'entrance exam result' and proceed to view your result
ORAL INTERVIEW FOR SUCCESSFUL CANDIDATES COMES UP ON 28TH AND 29TH of AUGUST, 2017.
NGstudents Team Cares…..


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Low Fence Hunts
Texas and Oklahoma
Hog Hunts
Evening Hunts (3:30 pm to sunset) $175.00/Gun
Night Hunts (sunset to midnight) $275.00/Gun
Night hunts are only available on Friday & Saturday
Deer Hunts
Guide Fee: 1/2 Day (evening only) $250.00
Guide Fee: Full Day $350.00
Buck (9 pt. or less)Kill Fee: $1,250.00
Buck (10 pt. or more)Kill Fee: $1,550.00
Doe Kill Fee: $250.00
Skinning & Quartering: (optional)$75.00
Turkey/Dove Hunts
Turkey Full Day (Two bird limit)
½ Day (one bird limit)
Dove Full Day (4 Gun minimum)
Dove ½ Day (evening only)(4 Gun minimum)
**All deer hunts include transportation to and from hunting grounds,
field dressing, and transportation of deer to Whitakers Game Processing
if so desired (hunter responsible for meat processing fees)
Lodging options available upon request.
** All hog hunts include transportation to and from the field
** Two gun minimum on all hog hunts and 2 Hog limit per gun
** Hog hunts DO NOT include field dressing or skinning
**All turkey hunts include transportation to and from the field
**Dove hunters to provide their own transportation to and from the field
All hunts Require a $150 non-refundable deposit/hunter at the time of booking.
OUR Hunts
A Collection of Recent Hunts
Est. 2014
Michael, Joplin MO
"My first trip to Flying L Ranches was a success! We arrived later than expected and didn't have a lot of time to hunt, but the guides had us on hogs most of the day and night. My guide, was outstanding and knows what he's doing. He gave me the opportunity to put down 3 hogs. The guys at Flying L Ranches went above and beyond for us. Can't wait to come back!"
Mica, Beloit Kansas
" Thank you for the great hunts we had this season. Everyone, including me, made memories we will never forget. I've been on very few hunts over the years where every member of the group has had at least one good opportunity every time out. It's nice to have so many options for places to hunt and we appreciate you adjusting each hunt to the hunters in our group. Thanks again and please hold the same weekends next year."
Russel T, Forney TX
"I hunted with Ted and Flying L Ranches 3 times last year and can't wait to get to hunting with them again this year. Ted is extremely knowledgeable and an excellent guide, He really knows his stuff and I always had a great hunt. The deer are there too. I saw no less than 15 deer each day. I took my two teenage nieces one one of the hunts. Neither had ever hunted deer. Within 15 minutes of legal light the first morning, they each had a fat doe on the ground. They had a great time and I felt very confident leaving them in the blinds with my guide and his wife. The pricing was very fair and the accommodations were very nice and had all the comforts of home, and the hunting was great. I have already and continue to highly recommend Ted and Flying L Ranches for a great hunting experience."


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Do you own some Lira Coins? Have you found some forgotten lira coin pieces inside an old purse, drawer or piggy bank and you think they could have a value? The value that the old lira coins may have (those that are classified as rare lira pieces) may astonish you!
How much are this coins worth?
Among the old coins of the lira, small treasures very coveted by collectors is hiding. Some of the old Italian coins are valued even 10 thousands euro. The rare lire coin with the highest value are those that were minted during the 50s. Highly sought after by collectors, these rare pieces of lira coins have a great value especially if they have been kept with the utmost care.
5 lira 1946 "grape" – Value of this Italian Rare Piece Coins
The 5 lira 1946 was the first 5 lire coin minted by the Italian Republic. This Italian coin is easily recognizable because it is depicted a bunch of grapes. Composed by Italma, the first 5 "rare" lira have a size of 26.7 mm in diameter and weigh 2.5 grams.
In 1946 the first trial coin was minted and in the same year they began to circulate.
These coins are lire of quite high value. If the conditions are excellent, the 5 lira of 1946 and 1947 may have a value of over 1200 €. The pieces coined in different years could instead have a respectable value , that is about 50 euros.
5 lire 1954, 1956 "dolphin" – Rare Coins for Numismatist
These rare coins were composed of italma and had a diameter of about 2 centimeters and 1 gram weigh. The coins were produced From the year 1951 until 2001. On the rights have the design of the dolphin and on the reverse side a rudder.
The coins minted from 1951 to 1955 have a value of about 8€ because they have been minted in large quantities. Even the 5 lire of 1954 have a similar value. The 5 lire peice that has a bit more value are those of 1951 that bear the inscription "prova" under the dolphin. Since in 1956 only 400 thousand coins of 5 liras were minted, so the value of this coin is very high.
The 5 lire of 1956 have a value that reaches almost 2000€. The coinage of the Italian 5 lire was interrupted in 1957 for 8 years. In 1966-67 the production was resumed and the pieces of that year can be worth around 5€.
The Value of The coins of following years have no greater value than 2€. The 5 lire 1954 do not have a value comparable to that of 10 lire 1954 which we will discuss now.
10 Lire 1954, 1955, 1947 – Rare Coins for Numismatist
Among the rare currencies of world coins, the 10 Lire of 1954 certainly have a place of honor. They are 10 rare lire, whose value depends on the year of minting.
The 10 liras of 1947 are those most sought after by numismatist collectors, because of their rarity. The value of the lira coins minted in this year can even reach over 6.000€.
A piece of 10 lire 1954 is always rare but not like the previous ones (1947). However, they are an object of desire for many numismatist collectors who safely can pay up to 70€ per piece of coin.
The 10 liras of 1955, on the other hand, are the most common and therefore of lesser value. The value of these italian coins is around 20€ per piece, only if they are in excellent quality and therefore without scratches or wear.
50 lire of 1958 – Rare Coins for Numismatist
The coinage of Italian 50 lire coins has seen as many as five different types of coins marketed and no commemorative coins. Of all these types and years, (the minting started in 1954 and ended in 2001) the rarest lira piece and therefore the lira coin of greater value is that of year 1958. Even if more than 800 thousand pieces were produced, they are very rare.
Each 50 lire coin with a date lower than or equal to 1960 can be worth from 50€ to over 800€. The 50 liras of 1958, if in perfect condition, have a value of almost 2 thousand euro.
100 lire of 1955 – Value of Italian rare coins
The first 100 lire coin dates back to 1955. Under FDC (mint) conditions a rare piece of that year can be worth around 1000€. If in excellent condition the value is 120€. In this case the lira piece of greater value are those of the first years of minting, with variations due to the quantity of the production produced.
The rare italian coin of 100 lire of 1956 have a value ranging from 20 to 150€. A 100 lire piece from the year 1957 to 1961 have a value that can reach 600€. The coins from 1962 to 1963 are worth from 100 to 200 € and a piece of 100 lira coins from 1964 to 1967 can be worth about 50€.
Those pieces from 1968 to 1989 have a maximum value of 3 €. The subsequent ones have no value other than that one of year 1972 which has a lack of coinage that could increase its price.
Other Rare and Valuable Lira Coins
There are many different rare lira pieces, in addition to those mentioned in this article so far. All of the following pieces can have a value from 5, 10, 20, 50, 100€ to 500€
The 500 Lira Silver of 1957 – Other rare and valuable coins
About 500 lire silver coin of 1957 we have spoken in another article (this: 500 lire silver coin). This is one of the best example of collectible coin of great value. Having been produced with very small print runs and also having some peculiarities in the engravings, these rare lire coins exceed the value of the other lira coins and reach stratospheric figures with prices of up to 15 thousand euro.
20 lire 1956 – The value of this lira coins can be very high.
The first production of this piece of rare lira coin is from 1956 and the same design has always been maintained for the following ones. Only the material and the edge of the coin was different There were two types, in fact, smooth and striped. The coin of that year was withdrawn and merged for unknown reasons and can not be collected.
A part of these coins, the 20 lire of 1956 marked with the "test" was kept and given to the employees of the mint.
Today it can also be worth more than 300€ per piece. The 20 lire of 1968, however, considered in any case rare, are valued if in excellent condition about 80€s. The "proof" coin of 1968 has a good quotation of 800€.
50 Lire 1956 with Vulcano
This rare coin depicts on the reverse a naked Vulcan striking the metal at the anvil, while on the obverse of the coin is the oak-crowned head and the inscription "Republica Italiana".
In excellent condition this coin can be worth from 20 to 50 € while for FDC (mint) specimens the 50 lire of 1956 come to a quotation that starts from 90 up to 110 €
100 Lire 1956
Since this piece is also a 100 lire coin minted in the initial years, its value is greater. The 100 lira of 1956 are quoted between € 120 and € 150 if quality Mint. The coins of lower quality but still in excellent condition (beautiful) are worth about € 18-20.
You did not find what you were looking for? Check these topics:
- If you are looking for Euro Rare Coins then click here.
- If you are a numismatist and you want info on 2 Euro Commemorative Coins click here.
- We talked about the rare italian 500 Lire Silver Coin here.
- If you want info about Roman and Greek Coins and other Ancient Coins and their value, you can find it here
- We talked about how to clean the rare coins, here
- Roman coins were discussed here.
- You will find everything about British Gold Sovereign Coins here.


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Shavuos went very well, with lots of good sociable meals (three out of four I went to were milky, which is great for me) and the learning and services at my synagogue were just as good as I'd hoped and expected. I got lots of reading done at odd hours, besides the learning of the first night of the festival, and sharing Sefer Tehillim with my flatmate. I do wish more of it had been proper Jewish learning.
156. The Princess Bride by William Goldman
So the conceit of this book is that Goldman is providing the 'Good Bits' abridgment of a longer, older tale by the Florinese author, S. Morgenstern. For once (and I always prefer the book to the film) I think the (extremely faithful) film is the 'Good Bits' version of the book. To be fair, I do enjoy the book, including most of the 'commentary' – it just gets a little tedious after awhile, at least on the reread. I do think that lovers of the film will much appreciate reading the book.
157. Family Matters by Leah Fried
The damaged members of a broken-up family begin to find themselves and each other (and some helpful spouses along the way).
The story here isn't bad, although it is rather convoluted, but when oh when are more novelists going to get the idea that professional boundaries between client and social worker, therapist, or whoever, are important, mandatory and useful, from their research?
158. Autumn Rain by Rachel Schorr
Another one about a family going through difficult times, although there is a much greater strength and unity it the one at the centre of this tale. The eldest sibling, Michal, remains single for years after she had expected to, and devotes herself to her teaching and her difficult students, while her younger sisters and her friends seem to have an easier time of things, but still have their own struggles. Her little brother is an interesting, but somewhat underdeveloped, character.
Anyway, this one really is all about the difficulty of the Shidduchim (Orthodox Jewish dating for marriage) process when it doesn't just fall into place, so be warned that it might be frustrating.
159. The Fortune Seekers by Libby Lazewnik
I really like this well structured and well written novel. There are a very large number of major protagonists, but they are well balanced and fit in the same story together. I would reread this.
Tags: Autumn Rain, books, Family Matters, Fortune Seekers, Leah Fried, Libby Lazewnik, Princess Bride, Rachel Schorr, Shavuos, Shavuot, William Goldman


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Wanna know how to grow your list? Everyone is trying to collect customer emails to sell more stuff. You should, too.
Email is still tops. No matter what you accomplish on social media, you won't get at the heart of your customers and clients unless you are emailing them. Perhaps your business thrives on referrals. Maybe your business does well by word-of-mouth. It's possible you already have an email list and it's ok but isn't an effective tool for you. What if you could have a streamlined and effective way to reach potential profit and actually bring that money into your wallet? In this webinar, I'm gonna tell you how to grow your list so that you can grow your income, too.
I've been building businesses for over a decade. In that time, I've tried a million trillion quadrillion different things on many, many different websites in order to sell my products and services. While a lot hasn't worked, plenty has. So to save you some time and a few headaches, I want to share my top tips with you.
Join me on Tuesday, February 27, for my FREE workshop on how to grow your list. Let's make sure that you know how to do what you need to do to stay strong and carry on.


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Technical Architect, DBPLUS c/o webtelligence IT consulting GmbH
Michael graduated from the State Academy for Data Processing in Boeblingen, Germany, as State-Certified IT Specialist with a business information systems specialisation in 1998. In the first years of his career he was involved in IT infrastructure projects. Soon afterwards he moved into a commercial software environment. In the following years he assumed functions in this field as Technical Architect for Oracle, Microsoft SQL Servers and Microsoft Dynamics AX further organisational and project management roles in business intelligence and software development projects. He founded webtelligence IT consulting GmbH as its Managing Partner in summer 2011 to provided professional Microsoft SQL server database platform services and products.
Regular Session (60 minutes):


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98 Steele St. (1st Ave.) Send to Phone
OpenLunch Mon.-Fri., Dinner nightly
- Valet parking
- Dress code: Business casual
- Full bar
- Great wine list
- Heart-healthy dishes
- Private room(s)
- Reservations suggested
- Romantic setting
- Take-out available
- Wheelchair accessible
* Click here for rating key
: After experiencing success in Vail and Aspen, renowned chef Nobu Matsuhisa is poised to do the same in Denver with his third Colorado-based Matsuhisa, his eponymous Japanese and Peruvian restaurant. Located in tony Cherry Creek North, on the street level of a luxury apartment building, Matsuhisa is all polish, glamor and glitz. Spacious curved booths, banquettes and tables are flanked by a backdrop of reclaimed teak, stone and tile, while the sushi bar, which seats 14, gives raw fish fans a firsthand look into the mastery of slicing and dicing. The menu, a romp of sushi, sashimi, tempura, salads and fusion-forward cold and hot dishes that range from seafood ceviche and octopus carpaccio to Miyazaki Wagyu beef and sea bass with black truffles, is supplemented by a roster of cocktails, saké and beer and an exhilarating wine catalogue that spans pages and pages. Desserts are a bit of an afterthought, but the coconut-and-banana spring roll is a popular choice among those with a sugar obsession.
Enjoy a meal al fresco at these restaurants with patios.
Wine of the Week Review by GAYOT


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In This Issue
Important Dates
Natural Resources
Social Policy
Education Policy
Important Dates and Resources
Here are some key dates in the Oregon Legislature for 2017:
June 2: Deadline for committees to hold work sessions on measures that originated in the opposite chamber.
June 23: Target adjournment of 2017 Legislative Session.
July 10: Constitutional deadline for adjournment of 2017 Legislative Session.
For a list of our Action Committee members and brief position descriptions, please see Taking Action Through Advocacy.
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By Rebecca Gladstone, Governance Coordinator
The National Popular Vote Compact passed the Oregon House for the 4th time. A Senate hearing is not yet scheduled. The League calls for direct passage, not a referral to voters. We are cautioned that tax reform simulations and a draft proposal are preliminary though the session enters the 17th week, with much press coverage. Public records, general governance and elections bills are proceeding, some to completion.
National Popular Vote (Marge Easley)
Thanks to all who followed up on our NPV action alerts. HB 2927 successfully PASSED on the House floor, now for the fourth time. We strongly encourage you to write letters as individuals to your local editors supporting Oregon Senate passage. If you have not yet contacted your senator in support of this bill, please do so as soon as possible, and make sure you ask that the bill not be amended to include a legislative referral clause. Senators Devlin and Burdick have previously expressed their preference for a legislative referral version of the bill (SB 825), and in the last few days Senator Peter Courtney has joined them. The League, along with Common Cause, NPV Oregon, and many others, strenuously opposes a referral for the following reasons:
- It sends a negative signal to voters that the Oregon Senate is not willing to support this important legislation, even though it has already passed the Oregon House four times in recent years.
- Once on the ballot the NPV measure would be subject to large sums of outside money pouring into Oregon with the express purpose of defeating it. Nonprofits like the League and Common Cause are unable to compete financially with a well-funded opposition, making it difficult to effectively counter confusing and misleading sound bites.
- None of the eleven jurisdictions that have already joined the Compact have done so by referral, so Oregon would be in a unique position. The Oregon Legislative Counsel has opined that the Legislative Assembly does have the power to refer NPV to the voters. Yet it also states that a referral "would likely face scrutiny under Article II, section 1 of the U.S. Constitution. Specifically, the referral would likely be challenged on the basis that the term "legislature" under Article II, section 1, is limited to the representative lawmaking body of a state— i.e., the Legislative Assembly of Oregon. The United States Supreme Court has not yet interpreted the term "legislature" under Article II, section 1." And while it is true that case law may be favorable to the idea that "legislature" includes a referral to the voters, there remains "considerable disagreement" among legal scholars on the issue, and it may take years to wend its way through the courts.
Tax Reform Update
LWVOR Revenue and Tax Sub-committee: Rebecca Gladstone, Alice Bartelt, Claudia Keith, Peggy Lynch and Chris Vogel
The Joint Committee on Tax Reform considered a draft for revenue reform on Tuesday. However, LC 3549 DRAFT 2017 Regular Session is only a framework to consider a shift to a Commercial Activity Tax (CAT), removing the current Corporate Income Tax. All of the critical details in this framework are literally "blanks" in the document (page 12 of this 111 page legislative concept). Committee members have not agreed on what to put in the "blanks" trying to reach consensus on concepts before addressing actual tax rates. Revenue Reform may not necessarily be Revenue Raising—it all depends on what rate of CAT is placed in the "blanks" and what thresholds are set below which small businesses are not subject to the tax but only pay a minimal flat fee. Another benefit of the proposed tax reform is to offer more stability in recession years where Oregon's current system sees huge drops in revenue. Depending upon the CAT rate, this tax reform could indeed be just revenue neutral with Oregon's current system, but more stable in recession years. Or, if the CAT is set at a high level it could significantly increase Oregon's revenues, but will see more opposition from large businesses and legislators pressured by businesses with the highest tax rates—especially out of state entities that presently do not have nexus in Oregon and thus pay no or little taxes, but would under the new CAT.
One (middle of the road) simulation model demonstrated by the Legislative Revenue Office Draft Tax Reform Plan (5-22-17) (F) would apply to all business entity types (a much broader base than the failed M97). It models off Ohio legislation; has a low threshold $150,000 in sales where below $150,000 gross revenues businesses pay nothing and businesses pay a flat $250 if their sales are above $150,000 but less than $3 million. Businesses with sales in Oregon above $3M annually would pay a flat rate on sales depending on their business type: 0.85% rate for services; 0.35% rate for retail trade; 0.25% rate for wholesale/warehousing; 0.48% rate for all other types of businesses. These varying rates are proposed to minimize "pyramiding" of rates (for example from tree harvest, lumber production to furniture manufacturing and sales, where taxes are added at each level). This simulation also reduces personal income tax rates slightly, adding a "sweetener" for voters if this proposal becomes a ballot measure and slightly addressing "regressivity" of lower income households being impacted by the pyramiding. Tax reform does not necessarily mean a huge increase in tax revenue—that would depend on the actual tax rates. In this specific simulation model, about $1.4 billion in new revenue would be raised each biennium by 2021-2023, with a large portion of that tax revenue generated from out of state businesses without current nexus in Oregon that would be subject to new taxes for sales made in Oregon.
On the higher end of CAT rates the Oregon Education Investment Initiative proposed by Democratic leadership, but probably lacking enough votes for passage, would raise significant revenues. An argument against this higher 0.97% rate is that states converting to a similar CAT in the past have done so with more success at lower CAT rates. Those with higher CAT rates later repealed this concept of tax reform.
Read these recent media articles for a sense of how this complex tax reform is being received by legislators, business leaders, unions and others:
Oregon lawmakers introduce $1B corporate tax reform proposal
Lawmakers 'close' to compromise proposal for new gross-receipts tax on businesses
"A critical moment": Kate Brown, lawmakers discuss budget negotiations
State tax reform leaves small businesses on edge
Oregon lawmakers get first look at 111-page corporate tax measure
Oregon Democrats aim to unveil corporate tax proposal this week
Cuts are not the solution
SB 229 A: Secretaries Brown, Atkins, and now Richardson have worked on this omnibus election "housekeeping" bill which passed on the Senate floor, now on to House Rules. We continue working to expand support for phase-in development of technically feasible "opt-in" consolidated candidate filing (accessible for all Oregon candidates) through ORESTAR. Filing would include candidate applications and related documents for voters' pamphlets, etc. The Oregon Association of County Clerks legislative committee sent an invitation to meet next week to continue discussions.
SB 802: The League continues support: Allows voter pre-registration for those at least 16 years old (video). It passed in House Rules, awaits reading on the House Floor.
HB 2349: This bill relates to "imitation voters' pamphlets". The Secretary of State's staff have consulted with us on the bill's language development to ensure that it is not intended as a prohibition against League voting materials. Passed from House Rules to the House Floor.
HB 2696 A: Permits inclusion of community college district measures relating to bonding in state voters' pamphlet if certain conditions are met. This is an example of expanding elections support out from the state level to local elections districts. It has passed in the House, is up for a Senate Rules public hearing.
Campaign Finance (Norman Turrill)
Two bills that clamp down on independent expenditures (dark money) seem likely to pass the legislature. HB 2505 A would require disclosure of independent expenditures for communications that even refer to a candidate or political party near an election. It unanimously passed the House and is now in Senate Rules. HB 2584 A would tighten the rules for when third-party expenditures are coordination with candidates or are independent expenditures. It then increases the penalties and other regulations relating to independent expenditures. It passed the House with only one No vote and is now in Senate Rules.
HB 2578 A would establish a Small Donor Funded Elections program to enable candidates for state office to receive 6-to-1 match on small dollar donations. It has passed out of House Rules and is waiting for funding in Ways and Means. It is like the ordinance adopted by the Portland City Council. HB 2578 A will probably require some additional amendments. If the legislature solves its revenue problems, then it seems hopeful that this bill will also receive funding.
Redistricting (Norman Turrill)
We are still waiting for a new draft of a constitutional amendment from the advisory "Fair Redistricting Task Force" that would institute an independent redistricting commission to do the next remapping of legislative districts in 2021.
General Governance & Accountability
HB 2906 Enrolled: This bill has been signed and awaits Chapter Law# assignment by the Secretary of State, the last step in the process. We have followed this 2016 short session HB 4056, for which action was sent to a Data Sharing Work Group. The statute addresses "critical infrastructure information," "geospatial framework data," and establishment of the Oregon Geographic Information Council within the office of the state Chief Information Officer. We anticipate that standardizing and coordination will greatly assist our League Voter Service functions.
SB 90 B: The League supports this bill relating to IT security, including establishing a Cybersecurity Council and Center for Excellence (video). It passed this week from Joint Ways and Means.
This topic is being covered by bills from a variety of sponsors.
SB 481 A: The League continues support of this bill to administer public records policy, passing this week from House Rules to the House Floor (video).
HB 2874 A: "Provides exemption from mandatory disclosure of electronic mail addresses that are in possession of offices of legislative department." League testimony to this grammatically complex bill (video) spoke to competing concerns for transparency and privacy. Discussion revealed interest in addressing this additional facet of public records disclosure exemptions in an after-session work group. We expect a HB 2101 hearing soon, with evolving amendment negotiations.
HB 3274: This Office of Small Business Assistance public records disclosure exemption bill has passed both chambers and has been signed by the Speaker. There was a reference during HB 2874 discussion to this bill, for which we also provided testimony.
There was an "audit alert" news this week from the Secretary of State, not directly related to statutory development or to this portfolio, addressing health care benefit ineligibility, and the Governor's reply.
YOUR HELP IS NEEDED! If any of these areas interest you, please contact: Governance Coordinator: Becky Gladstone, 541.510.9387, email@example.com.
Back to top
Natural Resources
By Peggy Lynch, Natural Resources Coordinator
The League continues to work on Cleaner Air Oregon (CAO). We provided additional testimony on HB 2269 A, which provides fees in support of the program. Your voice in support of CAO (www.cleanerair.oregon.gov) is needed. Contact all members of the Full Ways and Means Committee in support of these critical one-time fees to assure a robust public outreach on a program grounded in science, informed by data and health-based.
It's time to also contact Leadership to support bonding for the Elliott State Forest to begin to decouple it from the Common School Fund, provide money for our school kids and keep the Elliott in public hands.
Land use bills such as SB 432, SB 644 and HB 2007 A are all in play. The League continues to support our statewide land use system with local implementation. These bills jeopardize that principle. Address your concerns to the Senate and House Leadership.
AGENCY BUDGETS (Peggy Lynch)
SB 5502 and SB 5503, the Dept. of Agriculture budget and fee bills, will be heard in the Ways and Means Natural Resources Subcommittee on May 31. The League provided comments in February with concerns about the Governor's budget not including monies to support their water quality programs and the lack of support for the Invasive Species Council.
HB 5009, the Dept. of Energy budget, will also be worked on May 31. At this time, there is no indication that the bills and reorganization mentioned below related to Climate Change will be included in this initial budget bill.
SB 5527, the Dept. of Land Conservation and Development (DLCD) budget, will be worked June 1. In February we asked that funding for staff be considered over grant dollars, that coastal resilience mitigation planning is important and that we had hoped for a shared position between DLCD and Housing and Community Services to help with housing planning statewide.
HB 5028, the Oregon Parks and Recreation Dept. budget will also be worked on June 1. The budget is partially funded by Measure 76 lottery dollars, but also by a number of other fees and licenses. As they reduce their expansion efforts, they will focus more on maintenance of our parks system. It is also important that they continue their current effort to assess and consider at least one additional stream reach for scenic waterway designation.
HB 5011, the Dept. of Geology and Mineral Industries budget, which LWVOR supported, passed out of Full Ways and Means on 5/26. It is 2% less than the current services level from the 2015-17 budget.
HB 5010, the budget bill for the Oregon Dept. of Fish and Wildlife (ODFW), passed the Ways and Means Subcommittee on May 25. Significant reductions were made in federal funds, expenditure limitation, and 76 long-term vacant positions were eliminated in order to address cost containment under the Co-Chairs Framework. In this labor-intense agency, 1,368 positions were approved. The Subcommittee Co-Chairs and others expressed support for possible end-of-session "add-backs" for the in-stream flow biologists in POP 108 to help implement the Integrated Water Resources Strategy. The League joined with others in supporting this program . Many Subcommittee members were passionate in their frustration that our natural resources agencies are underfunded and hoped for additional revenue.
Also, budget notes (".. a budget note is a formal directive to a state agency expressing legislative intent for a particular budget issue. …. technical in nature, directing an agency to take administrative and managerial action relating to the agency's execution of its biennial budget. …of limited scope, not intended to circumvent, supplant, or replace other substantive or policy measures or law. The directive of a budget note typically expires at the end of the biennium for which it pertains." (https://www.oregonlegislature.gov/lfo/Documents/2007-3%20Budget%20Note.pdf ) were added to this budget:
#1 Budget Note: Use of cyanide traps for Predator Control
The Department of Fish and Wildlife will seek assurances from the U.S. Department of Agriculture, Wildlife Services that Wildlife Services will not use any state funding to purchase or deploy cyanide traps to control predators before disbursement of any General Fund monies appropriated during the 2017-19 biennium for predator control activities.
#2 Budget Note: Proposal for public anti-poaching campaign
"ODFW is instructed to develop a proposal for a broad anti-poaching public awareness campaign, including a budget, that will include, but not be limited to: An anti-poaching public awareness campaign strategy, identification of tools needed to combat poaching, and any statute changes needed to address poaching. The Department is to report to the appropriate Ways and Means Subcommittee during the February 2018 session on the details and budget for this work."
CLIMATE CHANGE (Claudia Keith)
Legislative Leadership, with the Governor's influence, could move on critical climate policy, although most likely will be completely dependent on the volume and quality of supportive business, labor, faith, tribal, health, disadvantaged communities and general public response now.
Clean Energy Jobs (Cap & Trade): HB 2135 A is still alive in House Rules. The Senate and House Environment Committee may have another informational meeting on June 12.
Oil Rail Safety: HB 2131, the Community Protection and Preparedness Act, had a work session in House Rules. The -5 amendments were adopted on a party-line vote and the bill was sent to Ways and Means with a "do pass" recommendation. The opposition argued that there are new federal rules pending and the railroads might consider a lawsuit against the state as overreaching their authority under federal railroad laws. The League continues to support action on this public safety issue.
10-Year Moratorium on Fracking: HB 2711 A is scheduled for a work session on May 31 in the Senate Environment and Natural Resources Committee.
Dept. of Energy and Oregon Global Warming Commission merger with funding request and a new Energy and Climate Policy Board, HB 2020 A, sits in House Rules. HB 3269 has a similar theme and is also in House Rules. SB 908 and SB 952 A sit in Senate Rules.
Our Children's Trust Federal Lawsuit Updates:
– LWVUS and LWVOR have Amici standing in this historical case. More info at: LWVUS Climate Tool Kit- Climate Lawsuit
– All the fossil fuel industry defendants, as of May 25, have now asked to be removed from the lawsuit. More info at: Fossil Fuel Industry Groups try to withdraw from Lawsuit
– Please consider attending the next scheduled case conference in Eugene on Wed June 14 at 10 a.m. Federal Courthouse, 405 E. 8th, Eugene More info at: Our Children's Trust Federal Lawsuit Case Management Conference. Come show support for the 21 youth plaintiffs! more info
AIR QUALITY & TOXICS (Marilyn Koenitzer)
We continue to follow the Cleaner Air Oregon process (see www.cleanerair.oregon.gov). Our League member has been attending their meetings (next set for June 20) as the committee works toward recommending rules for Environmental Quality Commission adoption. HB 2236, enabling legislation for Cleaner Air Oregon (CAO), is in Ways and Means. The League was invited to give additional testimony on HB 2269 A on May 24 in the Ways and Means Natural Resources Subcommittee.
SB 1008 A, Clean Diesel, had a Work Session on May 17 in Senate Rules. We can only hope that further amendments are adopted to increase requirements around the use of diesel engines in Oregon.
ELLIOTT FOREST and FORESTRY (Jennifer Haynes and Peggy Lynch)
The first step in keeping the Elliott State Forest in public ownership was taken May 9th by the State Land Board. Next, we need to convince the Legislature to provide funding to "buy out" the Common School Fund and move forward with a new management plan.
SB 847, the Trust Lands Transfer bill, has been sent to Ways and Means because it may cost any state agency that would manage former trust lands. The bill is based on a program used by the State of Washington.
LAND USE (Peggy Lynch, Marge Easley-aggregate/mining)
SB 432 would allow some rural counties in Eastern Oregon to opt out of our statewide land use system. It sits in Senate Rules where we hear amendments are being considered. At this point we continue to be adamantly opposed along with our partners 1,000 Friends of Oregon, Central Oregon Land Watch, Oregon Land and Water Alliance, Oregon Coast Alliance, Oregon League of Conservation Voters and the Oregon Conservation Network.
SB 644 includes provisions around reorganization of the Dept. of Geology and Mineral Industries and suction dredge mining, as well as removing local land processes for mining projects. The bill was not amended, but moved to Senate Rules. The League continues to be opposed. If a bill is considered, we are working with others to limit it so as to protect our farm and forestlands and the work done these past years to keep the sage grouse from being listed as endangered—a listing that would certainly hurt those industries. We have shared our support for the multi-agency permitting process now being used by the Calico Gold mine proposal near Vale, OR.
HB 2023 would change the definition of high value farmland and is in House Rules. HB 2730 A, written specifically for a golf course expansion in Curry County, is scheduled for a work session on May31 in the Senate Environment and Natural Resources Committee.
HB 3012 A would allow a second home on a lot that has a "historic home" in rural areas in order to save that historic home from possible demolition. It will have a work session on May 31 in the Senate Environment and Natural Resources Committee. We are currently neutral on the bill, but will need to be sure the bill is not expanded in the Senate.
We continue to oppose HB 3245 A, a bill that would allow comprehensive map amendments to be considered by a hearings officer or planning commission, without a requirement to go to the elected body. It does not address the appeals cost to gain access to their elected officials. The bill had a public hearing on May 25 in the Senate Environment and Natural Resources Committee. Amendments are being considered, but there are disagreements between the City of Salem and the City of Happy Valley on a solution. 1,000 Friends is working on this bill to address our mutual concerns.
HB 2893 is a bill that would require a city to evaluate for inclusion in their urban growth boundary certain agricultural land consisting predominantly of soil classifications VI, VII and VIII with other first priority lands. The bill is in House Rules. The League opposes this carve-out legislation eliminating a local discussion on where Bend should expand its urban growth boundary in the future. The bill, introduced on behalf of the City of Bend, was also introduced as the A-5 amendment to HB 2031 A on May 24 in the Senate Committee on Environment and Natural Resources. HB 2031 was introduced with a "relating clause": "Relating to use of land" which makes it available for any legislation that would fit within that definition. A myriad of amendments were presented during the May 24th hearing. The League opposes both HB 2893 and the A-5 amendments to HB 2031. Without further amendments, HB 2031 would allow the original Metolius development rights to be available for another five years and removes the provision not allowing it to be used "within an area identified as subject to a natural hazard by an acknowledged comprehensive plan provision implementing a statewide land use planning goal relating to protection from natural hazards".
Of note is that Bend has also submitted an amendment (A-4, similar to the A-5 amendment mentioned above) to SB 418 A, to circumvent the local process and to negate the UGB streamlining process adopted recently by rule after passage of HB 2254 (2013), a process for which Bend was an active participant. A work session is scheduled on SB 418 A on May 30 in the House Agriculture Committee.
HB 2007 A, a bill meant to address policies around affordable housing, was moved "do pass" to Ways and Means. The proposals would change how local governments process applications inside cities and urban growth boundaries and would require that accessory dwelling units and duplexes be allowed in all single family zones. The League has concerns around the lack of public process. An informational hearing on this bill was held on May 25th in the House Committee on Human Services and Housing. You can watch the hearing to learn more about the bill and the current -4 amendments being considered.
OREGON STATE PARKS: The Senate confirmed former Harney County Judge Steve Grasty, former Salem area State Legislator Vickie Berger, and Arch Cape resident and Portland State University cultural anthropology research professor Doug Deur to the Parks Commission.
TRANSPORTATION (Peggy Lynch, Sandra Gangle-transit)
Legislative members are hopeful that we will have a complete Transportation Package this session. The Joint Transportation Preservation and Modernization Committee expects to introduce a bill soon, with public hearings set soon after. There are still many questions and some disagreement among the Committee members. The League supports a robust transit element to the plan.
OREGON MARINE BOARD and DEPT. OF FISH AND WILDLIFE (Peggy Lynch)
The League provided testimony on HB 2321, a bill that requires boat operators to drain water from boats in order to protect against aquatic invasive species (AIS). The bill was amended in the House to remove the AIS permit requirement for non-motorized boats less than 10 feet in length. A work session was held on May 24th in the Senate Environment and Natural Resources Committee where the A-6 amendments were adopted to require a permit for boats 8 feet or longer. These amendments will provide about an additional $300,000 for the AIS program. The bill was sent "do pass" to Ways and Means.
WATER (Peggy Lynch)
SB 812, a bill that will modify the onsite septic loan program, passed the House and is on its way to the Governor! Not yet funded for the 2017 biennium (but SB 383 in Ways and Means would do so), this program has brought in additional private dollars to help clean up Oregon's lands and waters.
HB 2706 A, requiring a water rights management fee, is in Ways and Means. HB 2705, requiring additional measurement of water rights, was moved to House Rules. The League supports both bills. HB 2707 A, asking for an additional $8.2 million for groundwater studies, was sent to Ways and Means. Although we support the additional money requested in the Water Resources Dept. budget, we believe this "ask" is a bit too far this session.
HB 3427 A, a bill that would require high hazard dams to have emergency plans, is in Ways and Means. The League also supports a new permanent staffer at the Water Resources Dept. to help with dam inspections, needed for this work.
SB 3 A, a bill that would remove the moratorium on suction dredge mining while limiting that action on enhanced salmon-bearing streams, is awaiting a vote on the House floor.
The 2017 public review draft of Oregon's Integrated Water Resources Strategy is now available for public comment. You can view the "Note to Reader" section to help orient you to what elements are new to this version, where to locate new sections or recommended actions, and what to expect for the remainder of 2017. To view or download the draft as a PDF, click here. The Water Resources Department will accept comments through Monday, June 19, 2017. Comments can be sent electronically to email@example.com The League supports this effort and encourages members to read and comment.
DEQ invites the public to provide written comment on the conditions of the proposed 1200-Z industrial stormwater permit, known officially as a National Pollutant Discharge Elimination System general permit. DEQ will hold a hearing on the proposed permit on Wednesday, June 14 at 2 p.m. View the full news release at: http://www.oregon.gov/newsroom/Pages/NewsDetail.aspx?newsid=2050.
DEQ proposes rule amendments increasing water quality fees by 3 percent above the fiscal year 2016 fees for National Pollutant Discharge Elimination System permits, Water Pollution Control Facility permits, including Water Pollution Control Facility permits specific to Onsite septic systems, and non-permit related fees for the Onsite septic system program. To learn more about this rulemaking and how to submit comments, go to: Water Quality Permit Fee 2017. DEQ will accept public comments until 4 pm on Friday, June 30, 2017.
The Water Resources Department is inviting public comment on applications for Water Project Grants and Loans which provide funding to evaluate, plan, and develop water projects that help address an instream or out-of-stream water need and result in economic, environmental, and social/cultural benefits. These projects may be of interest to local Leagues. Public comments submitted will be considered by the Technical Review Team (TRT). The TRT will evaluate applications and make a funding recommendation to the Commission. The Department will post the TRT funding recommendation for an additional public comment period. The tentative date for the Commission to make its funding decision is November 2017. To access all applications, please click here. Written comments on the applications will be accepted until 5:00pm, June 29, 2017 to Grant Program Coordinator, 725 Summer Street NE, Suite A, Salem, Oregon 97301. 503.986.0869. email@example.com
REGIONAL SOLUTIONS (Peggy Lynch)
Continue to follow the Regional Solutions (RS) program to assure that there is a public element to any funding decisions and that local citizens know what projects are being "helped" by the RS process. Please sign up to get the notices of meetings in your region: www.regionalsolutions.oregon.gov
YOUR HELP IS NEEDED! If any of these areas interest you, please contact Natural Resources Coordinator Peggy Lynch at email@example.com or 541-745-1025
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Social Policy
By Karen Nibler, Social Policy Coordinator
Ways and Means Public Safety Subcommittee is moving smaller budgets. The District Attorneys, Military Department, and Criminal Justice Commission Budgets have passed out of committee with no increases. The Department of Justice, Oregon Judicial Department and Defense Services are still waiting. Typically the larger budgets, such as Oregon State Police, the Department of Professional Standards and Training, Oregon Youth Authority, Department of Corrections and Board of Parole are held until late in the budget process.
HB 3078 A passed out of the House Rules Committee on May 25. This bill was drafted for prison reduction methods and was approved in spite of the objections of the District Attorneys. This was a battle supported by advocacy groups, including the League. The bill was sent to the Public Safety Subcommittee for inclusion in the Department of Corrections Budget.
Ways and Means Human Services Subcommittee has passed the Psychiatric Review Board (PSRB) Budget, HB 5032, with an 11% increase probably because the supervision of Guilty Except for Insanity in the community has been successful with a low recidivism rate. The success of the PSRB process may save money for the Oregon State Hospital.
Ways and Means Human Services Subcommittee will hear the Budget Rebalance of the Oregon Health Authority and Human Services 2015-17 Budget in SB 5543 on Wednesday May 31. The Budget material is already on the website for that date. The Oregon Health Authority reports over 1 million people have Medicaid coverage and that the caseload has been decreased 3.4% over the biennium.
Spring Forecasts show an increased caseload in Aging and People with Disabilities, with long term care and in-home care increasing. Nursing homes are decreasing and community-based care is an uptrend. Child Welfare numbers in foster care and in home care are decreasing, while adoption assistance stays even. Temporary Assistance for Needy Families peaked in 2013. The caseload is below the 2009 level now and the Supplemental Nutrition Assistance Program is also decreasing, hopefully due to more employment opportunities. LFO reports a surplus of $51.4 million in General Funds due to a Self Sufficiency caseload drop to 22,426 families now, unspent ERDC funds of $11.2 million and Child Care Development funds of $9.2 million.
The Department of Consumer and Business Services Budget, SB 5512, was amended and passed out of the Transportation and Economic Development Subcommittee to the Full Budget Committee, where it passed 17-4-2. The Senate floor passed it 21-0, so it waits for a House floor vote. This agency has the Insurance Division that works with health care coverage through private plans.
The Oregon Housing and Community Services Budget, HB 5012, was heard in mid-March but has not reappeared on the Transportation and Economic Development Subcommittee schedule. Oregon Housing and Community Services appeared before the House Human Services Committee to present its budget and the placement of housing bills within the agency work plan. We are waiting for the agency or housing bills to surface.
YOUR HELP IS NEEDED! If any of these areas interest you, please contact Social Policy Coordinator: Karen Nibler 541.752.8567 firstname.lastname@example.com
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Education Policy
By Chris Vogel, Education Policy Coordinator
On 5-31, the Joint Subcommittee on Education will be reviewing Medicaid billing opportunities for Education, more in our next report. On 4-24, Early Indicator and Intervention System Graduation Equity Fund (Senate Bill 183) was reviewed. Of interest, the funding for this program, proposed by the Chief Education Office and supported in the Governor's Budget, does not come out of the Department of Education agency budget, but out of the State School Fund allocations. It is designed to support school districts that might not be able to afford this sophisticated Early Identification and Intervention Data Analytics Systems predictive software. The Graduation Equity Fund (Senate Bill 183) proposes a $20 million investment to address the fact that only about 73.8% of Oregon students graduate on time (or not at all), a 47th ranking in the US only above Nevada and New Mexico. The United States average, across all states is 83.2% and Iowa, the leader, graduates more than 90% of students on time. In 2016, 11,665 students did not graduate on time in Oregon. These students account for more than 25 percent of the student population and are disproportionally students of color, students living in tribal communities, students with disabilities, students navigating poverty and male students. Oregon consistently has among the worst on-time graduation rates in the nation. A policy brief notes the Graduation Equity Fund supports students and districts in three ways: Early Indicator and Intervention Systems (EIIS), Trauma Informed Practices, and Curbing Chronic Absenteeism. Some legislators will have a difficult time voting yes for this Graduation Equity Fund, because they believe the State School Fund dollars should go directly to school districts for direct services as demonstrated in the document Oregon Revenue Coalition What A Million Dollars Will Buy 2017, especially as individual school districts are facing layoffs for teachers and increasing class sizes. All are hoping that Tax Reform legislation might increase revenue.
As policy committee work winds to a close, the focus in the Legislature is on FUNDING programs and determining what the actual budget might be at the close of the Legislative session. It is helpful to review some of the fundamentals of funding the state Education budget. EDUCATION expenses accounted for 51.6% of the General Fund and Lottery Funds (page 7) last biennium. For comparison other allocations from General Fund and Lottery Funds included: Human Services 25.9%, Public Safety/Judicial 16.2%, Natural Resources 2.1%, Economic Development 1.0%, Administration 1.4% and all other 1.8%. In other words, more than half of available state funding goes to support Education. The State School Fund (SSF) supports the education of more than 570,000 Oregon children in kindergarten through the twelfth grade by distributing monthly payments to 197 school districts and 19 education service districts (ESDs). State General Fund and Lottery Funds provide about two-thirds of the revenue distributed through the State School Fund. Local property taxes make up the bulk of the remaining one-third, though that varies from district to district—the state has a responsibility to fill in the holes for districts with lower revenues from property taxes. While the legislative session may not have a final budget until July, school districts need to plan further in advance so 2017-2018 State School Fund ESTIMATES, released March 2016 based on Co-Chair budget and supplemented with some grants for small schools, disabilities, transportation and other complex factors. Oregonians without a high school diploma are more likely to be confined to lower paying jobs with less job security. Lower levels of education correlate with higher rates of poverty and family instability that is often multigenerational. Fixing the Oregon graduation rate is not an easy lift: More than half of Oregon public school students qualify for free and reduced lunch, up 10 percent in the last decade.
YOUR HELP IS NEEDED! If you have an interest in following early learning, K-12 or higher education, please contact Education Policy Coordinator: Chris Vogel, 503.586.8314, email@example.com we always appreciate further inquiries on bills of interest.