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Managing charity assets and resources: an overview for trustees (CC25)
(Version March 2011)
CC25 Managing charity assets and resources: an overview for trustees Find out how to manage your charity's assets and resources, from cash and investments to staff and volunteers
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- A Introduction
- B Financial management
- C Investing charitable funds
- D Identifying and managing risk
- E Sound internal financial controls
- F Charity reserves
- G Charities and fundraising
- H Staff and volunteers
- I Charities and insurance
- J Managing financial difficulties and insolvency
- K Buying and selling land
- L Trustee expenses and payments
- M Charities and trading
- N Detailed guidance available from the Charity Commission
A Introduction
A1 What is this guidance for?
This guidance is a general introduction to the management of a charity's assets and resources. It is a summary of the key points to think about when looking at the effective management of your charity's assets and resources. You could use it as a checklist at meetings where the trustees are discussing or reviewing the issues covered here. You could also use it to give an idea of what is likely to be involved if your charity wants to expand into new areas such as the ownership of property or setting aside reserves for the future.
We use the term 'assets and resources' here to mean all the property belonging to your charity. This includes investments, cash, land, buildings and vehicles, but it also covers the charity's staff, volunteers, goodwill and reputation.
This guidance is aimed at all charities but what will apply to your charity will depend on its size, its structure and what it does. Any legal requirements are identified by the symbol - the other points are what we recommend as good practice.
If you need to know more about any of the topics covered here, links to the relevant detailed guidance are given in each section. A full list of our detailed guidance is provided in section N.
A2 'Must' and 'should - what we mean
In our guidance, where we use 'must' we mean it is a specific legal or regulatory requirement affecting trustees or a charity. Trustees must comply with these requirements. To help you easily identify legal or regulatory requirements we have used the symbol next to the relevant bullet points.
We use 'should' for items we regard as minimum good practice, but where there is no specific legal requirement. Trustees should follow the good practice guidance unless there is a good reason not to.
A3 Terms used in this publication
The Charities Act means the Charities Act 2011.
Trustee Act means the Trustee Act 2000.
A charity's activities are anything it does using the assets or resources it owns or that are under its control. This includes all of its work and services.
Aims and charitable aims mean the aims which the charity is set up to achieve. The aims are usually expressed in a charity's governing document
Annual report means the trustees' annual report prepared under the requirements in the Charities Act .
Beneficiary or beneficiaries means a person or group of people eligible to benefit from a charity's work. The beneficiary group of a charity will be defined in the charity's governing document. Beneficiaries may sometimes be called clients or service users.
Charitable company means a charity which is a company formed and registered under the Companies Acts, or to which the provisions of the Companies Act 2006 apply.
The general power of investment is the power of investment which is given to trustees by section 3 of the Trustee Act including the power to invest in land in section 8 of the Trustee Act.
Governing document (GD) means a legal document setting out a charity's aims and, usually, how it is administered. It may be a trust deed, constitution, memorandum and articles of association, conveyance, will, Royal Charter, scheme of the Commission or other formal document.
Programme related investment (PRI), sometimes referred to as social investment, is an investment made by a charity wholly to further its aims and which involves the potential return of capital within an established period. Different rules apply for programme related investments and financial investments.
Restricted funds are funds subject to specific trusts that fall within the wider purposes of the charity. Restricted funds may be restricted income funds, which may be spent at the discretion of the trustees in furtherance of some particular aspect of the purposes of the charity, or they may be endowment funds where the assets must be invested or retained for actual use rather than spent.
Reserves are the resources that a charity has, or can make available, to spend on any or all of its purposes after it has met its commitments and made provision for its other planned expenditure.
The Regulations are the Charities (Accounts and reports) Regulations 2008 (SI 2008 No. 629) which set out the required form and content of the trustees' annual report and the scrutiny and accounting arrangements for charities.
Risk is used in this guidance to describe the uncertainty surrounding events and their outcomes that may have a significant impact, either enhancing or inhibiting any area of a charity's operations.
SORP means Accounting and Reporting by Charities – Statement of Recommended Practice 2005. SORP sets out recommended practice for charities in the preparation of annual reports and accounts, the key elements of which are underpinned by the 2008 Regulations. SORP and a range of related guidance are available on our website.
Trustee means a charity trustee. Charity trusteesare the people who are responsible for the general control of the management of the administration of the charity. In a charity's governing document, they may be collectively called trustees, the board, managing trustees, the management committee, governors or directors, or they may be referred to by some other title.
B Financial management
A charity can only succeed in meeting its aims if it manages its money properly. This means it has to plan and monitor its income and outgoings so that it can meet its short, medium and long term aims. A charity's operational or strategic plan will set out what policies, strategies and actions will be needed to do this. Careful money management will also protect a charity's funds from misuse.
This means the trustees:
- Plan strategically. This means identifying resource needs and how to meet them, and potential risks and contingency requirements. Short, medium and long term planning should show where funds will come from and when they will be needed.
- Must know which funds they hold have restrictions on their use. These funds can only be used in the way specified.
- Agree, establish and review financial policies and procedures. Staff and volunteers should be involved in drawing up policies and procedures so that everybody understands how the charity's finances are managed, what internal controls are in place and what roles and responsibilities they have.
- Set an annual budget which identifies the charity's aims and objectives and what it needs to do to achieve them. The budget will also set out, as far as possible, how the activities will be resourced and what the cost will be.
- Ensure that the charity measures financial performance to show the effectiveness of its overall financial management. This might involve using management accounts on a regular basis to compare actual income and expenditure against the annual budget.
- Identify and fully cost all the resources that are needed for the provision of its services. A charity should do this when considering what to charge for its services, applying for grants or bidding for contracts for public service delivery.
- Are aware of what income streams are available now, and what are planned or available for the future. Charities should consider all appropriate opportunities to diversify their funding.
- Prepare annual accounts and a trustees' annual report in accordance with SORP. What applies will depend on the size and legal structure of the charity in question.
C Investing charitable funds
Charities make investments either to receive a financial return to spend on their aims, or as a way of directly furthering those aims. Some ways of investing will do both. Trustees must make investments in the best interests of the charity.
This means the trustees:
- Must be clear from the outset about whether they are seeking the best financial return, furthering the charity's aims (programme related investment) or doing some of both. Different rules apply depending on what the charity wants to do.
- Establish a clearly recorded and regularly reviewed investment policy. The policy should include such issues as how present and future activities need to be resourced, the level of investment risk they are prepared to accept, and the charity's position on ethical investment.
- Comply with the relevant powers for standard investments. Trustees have a general power of investment. They must also be aware of any restrictions or additions to their powers of investment that might be contained in their charity's governing document.
- Act to certain standards (duty of care) when using a power of investment. This duty of care requires them to exercise such care and skill as is reasonable in the circumstances.
- Consider the suitability of any investment for their charity, the need for diversification and the need for a periodic review. Before making any investment decision and when reviewing their investments, they must obtain and consider proper advice.
- Consider whether it would be in the interests of the charity to adopt an ethical approach. They might want to avoid investments that conflict in a practical way with the aims of the charity or that might alienate donors or beneficiaries, or they might want to make investments that reflect its values and ethos.
- Consider whether to delegate the management of the charity's investments to a specialist. This might mean investing in a collective investment scheme such as a unit trust or a common investment fund, or appointing a professional investment manager.
- Comply with their duties to further their charity's aims in the best way for the charity when making a programme related investment. They must ensure that the investment directly furthers the charity's aims, any private benefit is incidental and there is a way for the charity to end the investment.
For further details see Charities and Investment Matters: A guide for trustees (CC14)
D Identifying and managing risk
Charities should regularly assess and review the risks they face in all areas of their work and plan for the management of those risks. A robust risk management process will enable the charity to look at how its assets and resources can be protected and put to best use. Some charities will have a legal obligation to report on their risk management processes in their annual reports.
This means the trustees:
- Draw up and put in place a risk management policy. The policy should set out the procedures and processes that the charity will use to identify the risks that it faces in all areas of its operations and how it will manage them.
- Recognise the importance of risk management in all aspects of the charity's governance and management. Understanding the risks the charity faces (including those to future funding streams) is at the heart of its operational viability and planning.
- Understand the role of the trustees, as well as staff and volunteers, in risk identification and management. In most charities, the trustees will set the parameters of the process and review and consider the results, delegating the actual process of risk management to staff or professional advisors.
- Establish a risk framework to help them decide what sorts of risk can be accepted or dealt with on a day-to-day basis. It will also set out what decisions need to be referred to them.
- Should regularly review all risks identified and how they are to be managed. How often to do this will depend on the environment the charity is working in. Changes in the financial climate and also changes in legislation will be important factors.
- Make a risk management statement in their trustees' annual report in accordance with the Regulations. This applies if the charity is above the audit threshold.
- Make a risk management statement in their annual report as a matter of good practice if they are trustees of a smaller charity that falls below the audit threshold.
- Establish a disaster recovery plan to enable the charity to resume normal (or near normal as possible) service to its beneficiaries if a serious incident prevents it from carrying out its usual activities.
For further details see Charities and risk management: A guide for trustees (CC26)
E Sound internal financial controls
All Trustees have a duty to protect their charity's assets and resources and to make sure they are only used to further the charity's aims. They should have robust internal financial controls in place to protect funds from misuse and to show potential donors and beneficiaries that the charity manages its property efficiently.
This means the trustees:
- Establish and put in place policies, guidelines and processes to protect their charity's assets and resources. They should make sure that these are understood across the charity, and that all staff and volunteers know their roles and duties.
- Base internal control systems on the charity's organisational plan. This should clearly show areas of responsibility for individuals and groups, and lines of authority and reporting.
- Recognise that robust financial controls will help to protect them against potential personal liability in the event of any loss to the charity through misuse of its funds.
- Carry out appropriate checks when making grants or allowing the use of their charity's property. The checks will need to satisfy the trustees (as far as is possible) that the charity's assets and resources will be used for the purposes given.
- Ensure that any delegation of checks and controls to staff or volunteers is clearly documented and understood by all parties. They should make sure that they receive regular and fully documented report-backs to the trustees on the use of any delegated powers.
- Look carefully and critically at the areas of highest risk - this will vary and will depend on the charity's risk assessment. Examples might be controls over payroll systems, ordering of goods and services and ensuring that financial information is reliable.
- Consider using new technology to simplify record keeping and transaction processes. This means that existing checks and controls will need to be adapted to meet any changes and updates.
- Have access to independent professional advice. The communication between the charity's trustees, accountant and independent examiner/auditor ought, where possible, to be more than an annual exchange of records and information.
For further details see Internal financial controls for charities (CC8), Protecting charities from harm and Reporting serious incidents: Guidance for trustees
F Charity reserves
A charity should provide reliable and consistent services to its beneficiaries beyond the immediate future. It needs to be able to meet unexpected expenses, absorb setbacks and take advantage of change and opportunities for development when they arise. One way of doing this is to set aside income, when it can afford it, as a reserve.
This means the trustees:
- Identify which of the charity's funds have restrictions on their use - reserves are funds that are freely available to spend.
- Develop and implement a policy setting out why reserves are needed (rather than using income immediately for the charity's aims). It will indicate the levels of reserves to be kept and in what circumstances they can be used.
- Comply with the annual reporting requirements in the Regulations to set out the charity's reserves policy. The purpose behind making the statement is to show the level of reserves the charity holds and to explain why it needs to retain them at that level.
- Review their reserves policy on a regular basis to take into account changing financial circumstances and new operating conditions. Holding excessive reserves can unnecessarily limit the amount spent on charitable activities and inadequate reserves can put the charity's solvency and future development and activities at risk.
- Consider whether and how reserve funds should be invested. Reserves may be needed in the short to medium term and so they should be invested in a way that can be readily realised as cash when needed.
- Plan for future development and sustainability when looking at levels of reserves. Designating funds for use on particular future projects can be a way of setting aside and building up funds that will distinguish them from the charity's general reserves.
For further details see Charities and reserves (CC19)
G Charities and fundraising
A charity must comply with the law relating to fundraising and should follow good practice in all aspects of fundraising. These aspects include fundraising methods, the costs involved, financial risk and how to safeguard and use funds raised. The charity should also consider the impact its fundraising methods will or might have on public opinion and its own reputation.
This means the trustees:
- Recognise that some areas of fundraising are subject to specific regulation and ensures compliance with those regulations. Fundraising may also be subject to other regulation besides charity law such as that relating to gaming, taxation, insurance, child protection and data protection.
- Ensure that they have proper control of any funds raised and that they are used for the purposes they were raised for.
- Ensure that appeals for special purposes are separately managed and accounted for from the charity's general funds.
- Ensure that, where they have given permission to others to fundraise on behalf of the charity, the appropriate agreements are in place with professional fundraisers and commercial partners.
- Familiarise themselves with and follow the standards of fundraising practice as set out by the Institute of Fundraising.
- Ensure that a proposed appeal is well planned, is in line with the charity's aims and values and takes into account any financial or reputational risks connected with the appeal. A significant appeal may require a business plan, a budget and, possibly, professional advice.
- Establish an open and accessible complaints procedure which will not only raise public confidence in their charity but also help to identify improper or fraudulent fundraising activity.
For further details see Charities and fundraising (CC20)
H Staff and volunteers
A charity's staff and volunteers are a vital part of its assets and resources and are essential to the effective delivery of a charity's services to beneficiaries. It is very important that charities as employers are aware of their legal obligations and that they ensure that they have developed and put in place effective staff and volunteer management policies.
This means the trustees:
- Ensure that they are aware of the charity's legal obligations as an employer and keep up to date with any changes in legislation. It is important that the charity knows where to look for advice and information on this issue and takes professional advice where necessary.
- Make the best use of staff by regularly reviewing what skills and experience are needed, what recruitment methods it uses and its training and working conditions. This will mean looking at flexible working, equality and diversity issues and carrying out performance reviews.
- Regularly review staffing levels to ensure that they fit with the charity's strategic planning, and ensure that staff resources are being used to effectively meet the charity's business objectives.
- Know the charity's legal duties in connection with pension provision for staff and are aware of what the current requirements are and new requirements from 2012. Trustees should ensure that the charity's pension arrangements based on what is in the best interests of the charity informed by appropriate professional advice.
- Identify and plan for the management of the risks and liabilities that are attached to any pension scheme the charity might have. They should know where to look for support and advice on pension matters and take proper advice during the planning process.
- Regularly review the charity's policies on the support, training and use of volunteers. It needs to be aware of the legal position of volunteers. Areas of legislation that might apply include criminal record checks, data protection and health and safety.
- Are aware of what expenses volunteers are entitled to have reimbursed from the charity's funds. The charity should have a written policy in place which sets out what claims are covered and the procedures for claiming and approving expenses.
For further details see Defined benefit pension schemes and Reporting serious incidents: Guidance for trustees
I Charities and insurance
Charity trustees have a basic duty to protect the charity's assets and resources from loss or damage and to manage the risk of a third party making claims against the charity's funds. Insurance may be an appropriate way for the trustees to discharge this duty and manage these risks. The law requires some types of insurance.
This means the trustees:
- Ensure that the charity takes out any insurance cover which is compulsory for the activities it carries out. This would include employer's liability insurance if a charity is an employer, and motor insurance against third party injury and property damage if a charity owns or operates motor vehicles.
- Are aware of the power in the Trustee Act which enables trustees to insure any property which is owned by their charity against the risk of loss or damage due to any event and pay the premiums out of the charity's funds.
- Are aware of any requirement in the charity's governing document for its trustees to buy certain types of insurance cover, apart from those types that are required by law.
- Identify and plan for the management of risk. This will enable the charity to identify which risks can either be accepted, managed, stopped or passed to an insurer.
- Treat volunteers in a similar way to employees for insurance purposes and ensure that the usual types of insurance that the charity might buy appropriately cover them. This means clarifying how the insurer defines the term 'volunteer' and keeping proper records of the volunteers working for the charity that fall within that definition.
- Consider independent professional advice about the charity's insurance needs where appropriate. This would normally be from a broker that has an understanding of charities' insurance needs and can place business with a range of insurance companies.
- Look at and consider the advantages of insurance packages that have been specially developed for particular types of charity, such as village halls or small community groups. Such packages are also available for certain types of events and other fundraising activities.
For further details see Charities and Insurance (CC49)
J Managing financial difficulties and insolvency
Charities undertake a wide variety of work, have different funding sources and may be affected by any changes in the economic climate. This means that many charities will at some point face financial uncertainty. A charity should have robust procedures in place for the planning, management and review of its finances. If a charity finds itself in financial difficulties, the trustees should take prompt action to reduce the risk of becoming insolvent.
This means the trustees:
- Have the appropriate skills and abilities, as well as enough time, to ensure the proper running of the charity.
- Have a long-term strategic plan in place for the achievement of the charity's aims. This should cover budgeting, planned activities and how they are to be financed, risks, potential liabilities, reserves and proper governance.
- Have regular trustee meetings to consider financial reports, any updates and the overall financial situation of the charity. How regular these meetings need to be will depend on the financial health of the charity and the economic environment in which it is operating.
- Know which of the charity's funds are restricted in their use and which can be used for any of its aims. This is crucial to the proper understanding of the charity's overall financial position.
- Take the appropriate action, if possible, when they identify insolvency as a possibility. Professional advice should be taken at an early stage (in writing) because any corrective action needs to be carefully planned.
- Know about insolvency law and its rescue mechanisms if the charity is a charitable company, and the voluntary options available if it is a trust or unincorporated association.
- Consider restructuring or changing the charity's activities – this would be part of any normal budgetary and strategic planning, but will become vital when facing financial uncertainty. It means looking at alternative sources of funding, reviewing commitments, refinancing, cutting or curtailing planned expenditure, stopping some of the charity's activities or considering merging with another charity.
- Must inform us if the charity winds up or ceases to operate so that it can be removed from the Register of Charities.
For further details see Managing financial difficulties and insolvency in charities (CC12)
K Buying and selling land
Charity trustees must act in accordance with their legal duties when buying or selling land. A charity can use land to carry out the charity's aims or can hold it as an investment. A charity should also make sure that it safeguards its land.
This means the trustees:
- Know and comply with the powers the charity has to buy land, either to use for its aims or as an investment. The powers it has will vary according to its legal structure and sometimes by provisions in the charity's governing document.
- Take the appropriate professional advice when considering buying or selling land.
- Comply with the statutory duty of care set out in the Trustee Act when investing in land. The trustees must comply with this duty of care whether or not they are using the powers of investment in the Act.
- Comply with the requirements of the law when disposing of any of its land. The law requires that these transactions are properly managed in the charity's interests.
- Must obtain our prior authority where a disposal of land is to a connected person. Connected persons include trustees and their close relatives, the donor of the land and their close relatives, a charity's trading subsidiary and employees and officers of the charity.
- Should comply with the powers the charity has to sell, lease or transfer (or otherwise dispose of) or change the use of its land. In some cases land may be held on trusts that require our prior consent to its disposal or change in use.
- Keep a full record of the land the charity owns. Does any of the land need to be registered with the Land Registry? Would it be more convenient for the charity to vest the title to any land it owns in the name of the Official Custodian for Charities?
- Monitor the condition of the charity's land and how it is being used. For example, they should hold regular rent reviews of investment land and have a regular cyclical maintenance programme. The trustees will need to take into account any special requirements for heritage assets.
- If appropriate, seek discretionary rating relief for the charity's land from the local authority.
For further details see Sales, leases, transfers or mortgages: What trustees need to know about disposing of charity land (CC28) and Acquiring land (CC33)
L Trustee expenses and payments
Charity trustees normally act in a voluntary capacity unless their charity's governing document says otherwise. A charity can reimburse its trustees for their legitimate expenses. The Charities Act also sets out certain circumstances in which a charity can pay its trustees for the provision of goods and services.
This means the trustees:
- Are aware of any provisions in the charity's governing document that either authorise or prohibit payments to trustees.
- Recognise that the payment of a trustee for serving as a trustee (where this in the charity's interests) will need a specific authority either from its governing document, the Charity Commission or, more rarely, from the Courts.
- Know that trustees are entitled to have any legitimate expenses they incur on the charity's behalf paid from its funds. The charity should have a written policy in place which sets out what claims are covered and the procedures for claiming and approving expenses for all staff and trustees.
- Know how and in what circumstances they can use the powers in the Charities Act to pay trustees for the provision of goods and services. The charity's governing document may affect the provisions of the Charities Act.
- Are open and transparent about any decision to pay trustees and be prepared to justify it if publicly challenged.
- Disclose any payments made to trustees in the charity's accounts in accordance with Charity SORP guidelines. This is a legal requirement for companies and larger charities but will enable charities of all sizes to be open and transparent.
- Have clearly defined procedures for identifying and managing conflicts of interest that may arise when considering the payment of a trustee (or a person connected to that trustee).
- Review regularly the performance of each trustee - this is particularly important where a trustee is receiving a payment from the charity.
For further details see Trustee expenses and payments (CC11)
M Charities and trading
Charities can trade to fund their activities. It is important for charities to be aware of what types of trading activity they can carry out themselves and when they will need to trade through a trading subsidiary. They will need to be satisfied that their trading activities do not put charitable assets at risk and are organised in a tax efficient way.
This means the trustees:
- Take professional advice at an early stage, particularly on tax and VAT issues.
- Are clear about whether the charity's proposed trading activity directly furthers its aims (primary purpose trading), or is a means of generally raising funds for the charity (non primary purpose trading). This is important because, although charities may trade when carrying out their aims, non-primary purpose trading may be taxable if it exceeds the small-scale exemption.
- Establish whether any proposed fund-raising activities such as holding events or working with commercial participators fall within the category of trading. We recommend that charities take appropriate advice before they proceed.
- Assess the risk to their charity's assets when proposing a non-primary purpose trade. For example, if the costs of carrying out the trading activity are more than any profits made, the charity's funds or assets may be at risk and affect its ability to achieve its aims.
- Consider whether the trade should be carried out by a trading subsidiary if there are significant risks to a charity's assets or it wants to avoid paying unnecessary tax. A trading subsidiary is a company limited by shares which are owned by the charity. The charity will fund the trading subsidiary, usually by way of a loan or by buying shares in the subsidiary (complying with the legal requirements described in section C). All profits made will be passed back to the charity.
- Ensure that the interests of the charity are the primary concern in all decisions made about a trading subsidiary. The interests of the subsidiary, its directors, creditors or employees will take second place to those of the charity. Any conflicts of interest should be identified and managed.
For further details see Trustees, tax and trading (CC35)
N Detailed guidance available from the Charity Commission
Our detailed guidance is listed below. Links to the relevant pieces of guidance are also given in sections B-M.
- Internal financial controls for charities (CC8)
- Trustee expenses and payments (CC11)
- Managing financial difficulties and insolvency in charities (CC12)
- Charities and investment matters: A guide for trustees (CC14)
- Charity and reserves (CC19)
- Charities and fundraising (CC20)
- Charities and risk management: A guide for trustees (CC26)
- Sales, leases, transfers or mortgages: What trustees need to know about disposing of charity land (CC28)
- Trustees, trading and tax (CC35)
- Acquiring land (CC33)
- Charities and Insurance (CC49)
- Protecting charities from harm (web guidance)
- Defined benefit pension schemes (web guidance)
- Reporting serious incidents: Guidance for trustees (web guidance)


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Biker Chicks by MilesForME - 12 months ago
"After my mom, Mary Ellen, was diagnosed with MS, my friends and I decided to sign up for the MS150 City to Shore bike ride to help raise money for the MS Society and those living with MS. This is all of us in our special "Miles for M.E." team shirts before taking off on the first day!!! Our team was able to raise nearly $3,000 for the MS Society, and CustomInk even donated some money to help us out, which was unexpected and amazing!!! They were also extremely helpful during the design and ordering process...I will never order from another promotional site again!"

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42 U.S. Code Chapter 6A, Subchapter IX - GENETIC DISEASES, HEMOPHILIA PROGRAMS, AND SUDDEN INFANT DEATH SYNDROME
1976—Pub. L. 94–278, title IV, § 403(b)(3),Apr. 22, 1976, 90 Stat. 409, substituted "GENETIC DISEASES" for "GENETIC BLOOD DISORDERS" and inserted "HEMOPHILIA PROGRAMS" in subchapter heading.
1974—Pub. L. 93–270, § 3(b),Apr. 22, 1974, 88 Stat. 92, inserted "SUDDEN INFANT DEATH SYNDROME" in subchapter heading.
1972—Pub. L. 92–414, § 4(1),Aug. 29, 1972, 86 Stat. 652, substituted "GENETIC BLOOD DISORDERS" for "SICKLE CELL ANEMIA PROGRAM" as subchapter heading and designated former subchapter heading as part A, substituting "Programs" for "Program".
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By DAN SEWELLAssociated Press
CINCINNATI (AP) - Retail researchers expect sales to be up this holiday shopping season for Ohio businesses.
However, the forecast by the University of Cincinnati Economics Center indicates uneven sales growth around the state, with the Columbus, Cleveland, Toledo and Cincinnati metro areas leading the way. Sales are projected to be up only slightly in the Youngstown region, and roughly flat in the Akron and Dayton areas.
Overall, the forecast projects $14.9 billion in retail sales for November-December, up 3.5 percent from the same period last year. The forecast done in conjunction with the Ohio Council of Retail Merchants was presented Monday.
The highly competitive holiday shopping season that heats up this Thanksgiving week usually produces a significant chunk of the annual revenues for many retailers.
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The Calgary area is perfect for rock and mountain climbing, with the Rockies just waiting for you on the city's doorstep.
Beginners should definitely take classes before venturing out (the resources listed below can help):
Calgary Outdoor Centre – University of Calgary
The Crux Climbing and Bouldering
When ready to tackle an actual cliff, areas like the west side of Lake Louise and Mount Yamnuska near Canmore are popular locations.
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Calgary Economic Development (CED) gratefully acknowledges the support and funding received from all three levels of government and the corporate community in Calgary.
Action Calgary is CED's corporate partnership program. Established in 2008, Action Calgary engages the leadership of Calgary's corporate community in a partnership to deliver results on strategic projects that will help diversify and strengthen the local economy.


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Applied Microphone Technology AMT WSW Double Clarinet Microphone with Cable for AMT, Shure, Sabine, & Line 6 Wireless SystemsThe AMT WSW - Shure is a special version of the AMT WS. The microphone element remains with the same high level of quality that the WS achieves however is specially adapted to work with any Shure belt pack transmitter/wireless system such as the ULXS14 or ULXP14. The WS comes wired directly with a 4 pin connector to connect directly to any Shure wireless belt pack.The WS is a low profile double condenser microphone that attaches to the clarinet, alto and bass flute, or oboe with a ultra-miniature low mass clamp. It is specifically designed for the timbre of the clarinet. The microphone provides pure tonal reproduction while being unobtrusive. It has an even reproduction of sound across the entire instrument. The AMT WS features a flexible gooseneck, allowing the player to position the microphone for the best possible tone reproduction. It's rugged construction of anodized aviation aluminum makes it highly durable, while being lightweight and non-corrosive. The WSW features one microphone at the bell and second positioned over the keys to provide a truer reproduction for the musical instrument's tone quality. The AMT WSW mic also comes with two isolation rings. Both microphones are suspended in AMT's iso-ring technology which allows more gain before feedback and less handling noise. A low Z cable and case is included.Requires phantom power.
Order today with the no-risk assurance of our Total Satisfaction and Low Price Guarantees!
* Price guarantee valid on all new in-stock merchandise sold by an authorized U.S. Dealer. Guarantee does not apply to discontinued, blemished, damaged, closeout, open box, refurbished or auction items. You will be contacted via email shortly after submission of request.


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Marmot has been leading sleeping bag design for decades. They specialize is lightweight down and synthetic bags for backpacking and mountaineering. A good night's sleep is a key component to making any trip fun, and a good sleeping bag is your first step to sleeping well. You will find a wide selection of 3- and 4-season Marmot sleeping bags from ultralight down models to affordable synthetics. Marmot uses the best materials and offers innovative features including:
Three-season bags offer the versatility you need for all-around backpacking and camping use. Temperature ratings are your best guide to find a bag that suits your needs. You can go light on your bag rating if you are packing warm layers. Or, if you sleep cold, give yourself a better margin for warmth by selecting a warmer rating. The popular Marmot Sawtooth 15-degree bag is a great choice for a do-it-all down model. It is light without the price tag of super-light styles, and it will serve you for many an adventure.
Marmot has a full line of women's specific sleeping bags cut to meet the needs of women. The Marmot Angel Fire 15-degree model is the women's equivalent of the Sawtooth. It features 600-fill goose down and is packed full of technical features to ensure that you sleep in comfort on your next backpacking trip.
The fast and light crowd will like the Marmot Helium 15-degree bag. 850-fill down makes the Helium light and packable at a mere 1 lb 15 oz. Take the Marmot Helium on your next mountaineering adventure and you will sleep in luxury at night.
Marmot also has great general purpose styles for car camping. Synthetic insulation's durable and easy-care nature makes it ideal for all-purpose camping. Down insulation offers the best warmth to weight ratio and is more compressible, but is also higher maintenance. Regardless of your needs, Marmot has a sleeping bag for your next trip to the mountains.
We're Available:
Mon-Fri: 7:30am-4:00pm PST
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Processing Time - Orders typically ship in 2-5 business days. Transit via UPS Ground can take up to 6 business days. Braided and custom-made products may take 2 to 3 weeks for delivery.
Free Shipping to Contiguous United States - We do not ship to Alaska, Hawaii or the Caribbean Islands at this time.
Oversized items - Orders that ship freight may take up to 2 weeks from shipment date to be delivered. You will be contacted by the trucking company to schedule a delivery appointment.
Shipping to Canada - Orders shipping to Canada will be subject to a 15% shipping surcharge fee. The shipping surcharge does not cover duties, customs, taxes or brokerage fees which may be charged to you by the shipping courier at time of delivery. At this time we are not shipping to Yukon and the Northwest Territories in Canada.
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Rugs USA Tuscan Trellis VS91 Gold Rug
Item #: 200MTVS91A-P Add to Wishlist
Features: This product has the following features:
- Collection: Tuscan
- Brand: Rugs USA
- Material: 100% Wool
- Weave: Hand Hooked
- Styles: Contemporary Rugs
- Origin: India
- Available in the following sizes: 5' x 8', 7' 6" x 9' 6", 8' 6" x 11' 6" and 2' 6" x 8'
- Clean & Care: Vacuum regularly as new wool rugs can shed yarn fibers for up to three months. Avoid direct and continuous exposure to sunlight. Do not pull loose ends, clip them with scissors to remove. Clean liquid spills immediately by blotting with cloth or sponge. For hard to remove stains, professional rug cleaning is recommended.
Price: $174 - $992
Great rug. Looks just like the picture. great quality at a great price.RECOMMENDED: Yes, I would recommend this to a friend.
I was skeptical the rug would be very nice because it was so affordable. I was really very pleasantly surprised by the quality and how the online photos really represented the color. I am super happy with the rug.RECOMMENDED: Yes, I would recommend this to a friend.
Beautiful rug and great quality! Brightens up and really brings my breakfast nook together. Has a couple of marks that look like brown stains on it but it's just the fabric I think.RECOMMENDED: Yes, I would recommend this to a friend.
Great rug! Good quality and thickness. Lays well and feels nice on our feet!RECOMMENDED: Yes, I would recommend this to a friend.
I love my rug. The quality and price were both great!RECOMMENDED: Yes, I would recommend this to a friend.
love it -- nice quality - was surprised given the priceRECOMMENDED: Yes, I would recommend this to a friend.
I bought this rug in gold and it exceeded my expectations. The gold is true to the picture and a very nice mustard yellow. At 70% off I am very happy with this purchase. My first rug arrived damaged and had to be shipped back. Rugs USA made it easy to return and scheduled pickup at my house. It did take a while for the replacement to be shipped so overall it took month from the time I ordered the first rug to when I had my second rug in hand. Either way this rug was worth the wait.RECOMMENDED: Yes, I would recommend this to a friend.
Love it!! Texture and color were exactly what I was looking for.RECOMMENDED: Yes, I would recommend this to a friend.
Yes--it being 70% off the original price is a wonderful value!RECOMMENDED: Yes, I would recommend this to a friend.
Beautiful rug for a great price! Also, shipment was quick and easy.RECOMMENDED: Yes, I would recommend this to a friend.
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Senator Cantwell urges citizens to join online petition
Senator Maria Cantwell has started an online petition to send a message to the White House that the northwest doesn't want to pay more for power.
According to Cantwell's office, President George W. Bush is proposing, in his administrations budget for 2006, that wholesale power rates charged by the Bonneville Power Administration (BPA) go up to match the rates of other national power markets, usually double the BPA's cost-based rates.
"A billion dollar rate hike is a one, two punch on our consumers and our region's economy," said Cantwell. "Hiking power rates by 20 percent a year is exactly opposite of what our region needs. The Bush administration needs to hear our voices in the northwest and know that we won't sit in silence."
Cantwell is joined by Senator Patty Murray urging residents and businesses in the state to make themselves heard. "A 20 percent increase in the cost of heating our homes and powering our businesses would cripple our region's economy," she said.
Cantwell's petition is available online at http://cantwell.senate.gov.


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Monroe College's academic policies are designed to encourage excellence in education and allow the student to develop his or her academic potential to the fullest. Students are encouraged to make the necessary commitment to their studies so that they will be successful.
The purpose of a college education is to expose students to new areas of intellectual experience which prepare them to make judgments within and beyond their field of specialization as well as provide the competencies required for success in our complex society.
Monroe College is committed to ensuring that all students have the opportunity to master written and verbal communication, understand mathematical concepts basic to their field of study, increase their awareness of the origins of their cultural and intellectual heritage, comprehend the fundamentals of business and computer technology, and avail themselves of the chance to delve into subject areas of interest by registering for electives.
The General Education Core Requirement ensures that all Monroe College graduates are prepared to enter the world of business with a comprehensive, well-rounded education necessary for success, irrespective of where their specific area of study may lead.
To qualify for graduation, students must have satisfactorily completed all stated requirements of their degree objective, maintained a satisfactory academic and attendance record and have settled all financial obligations to Monroe. Furthermore, candidates for graduation must have achieved a 2.00 cumulative grade point average both in their major-area courses and overall.
Monroe College Online Learning Program provides students with quality education available 24 hours a day, 7 days a week. Students have the opportunity to take individual courses or complete degree programs leading to either an associate degree in Business Administration, Criminal Justice, Hospitality Management, Information Technology, or Medical Administration or a bachelor's degree in Business Management, Criminal Justice, Hospitality Management, Health Services Administration, Information Technology, or Public Health.
Information about online courses and programs is available at the college website www.monroecollege.edu/online
Students may request College Proficiency Examinations for courses for which they believe they have mastery of the content.
Student initiated College Proficiency Examinations are generally not available for noncredit, remedial courses and credit-bearing courses so–designated by an academic department. Students may apply for a College Proficiency Examination at any time during the semester unless they are currently enrolled in that course. In such an instance, the examination must be administered and graded before the end of the add/drop period.
Students who take the Monroe College Placement Examinations may not take Proficiency Examinations for courses at a lower level than the course placement based on that Placement Exam.
Application for Monroe College Proficiency Examinations must be made to the Department Chairperson or other appropriate college official.
Internships bridge the gap between theory, what is taught in the classroom, and the world of work. This program provides meaningful work experiences at a variety of organizations and businesses.
Internships enable the student to:
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I can't wait for "Connect Four" the musical, or "Chutes and Ladders," the film. Perhaps aliens can come to Earth on large ladder-like spaceships and threaten human extinction by sliding down their ships onto our heads en masse. It's somewhat unfortunate that Hollywood continues to leverage long-in-the-tooth pop culture phenomena as the springboard for feature films; but the affiliation between "Battleship" the film and the original Hasbro game is about as amorphous as one could get. Apart from one sequence midway through the film, the one has literally nothing to do with the other; instead, "Battleship" offers up a redundant, derivative alien attack movie that's logical rubbish but, truth be told, a significant source of dumb fun.
The premise is ridiculous: a decade ago, scientists, having discovered an earth-like planet in space, began sending signals to it via oversized satellite dishes - and that innocent phone call has come home to roost big-time. When aliens drop a number of transformer-esque warships into the Pacific Ocean and erect a large force-field around Hawaii, the fate of the world suddenly rests on the shoulders of Lt. Alex Hopper (Taylor Kitsch, having somehow survived the box office massacre of "John Carter"), his big brother Stone (Alexander Skarsgard), and Rihanna, who here has turned in her microphone for Navy weapons control. When things don't go well for Stone, Alex gets sort of angry and fixes his brain, heretofore utilized largely for wooing a loose blonde (Brooklyn Decker) and wreaking havoc on his nascent military career, to kicking E.T.'s ass.
It's "Independence Day" meets "Transformers" all over again, folks, albeit with the most ridiculous plot yet; there are more logical loopholes in this sucker than in "Plan 9 From Outer Space." Even director Peter Berg's work is derivative, borrowing every slo-mo action shot and CGI trick from the likes of Michael Bay. And its bevy of one-dimensional characters, while they render the film easy to digest, are at best modestly likable.
All of which would be disastrous were it not for the fact that the film is just so fun; its heady combination of CGI wizardry, self-deprecating acting (particularly from Skarsgard and Liam Neeson) and fanboy mentality keeps the film afloat. The alien invaders are a nasty group, even if they're not terribly original in any way, and they provide sufficient menace that we even cheer for Rihanna as she manages to push "launch" buttons with aplomb. Surprisingly, Kitsch turns in an appealing performance, offsetting his emotionally-inept titular performance in "John Carter," and the film wisely hits an effective emotional note with a third-act sequence featuring the defunct USS Missouri - replete with aging seamen.
In all, "Battleship" is hardly the right fit for filmgoers looking for innovative excitement at the Cineplex; we've seen all this before. But for those seeking delightfully dumb summer escapism, it's pure Hollywood magic.
Lt. Alex Hopper :: Taylor Kitsch
Stone :: Alexander Skarsgard
Petty Officer Cora Raikes :: Rihanna Skarsgard
Sam Shane :: Brooklyn Decker
Capt. Yugi Nagata :: Asano Tadanobu
Admiral Shane :: Liam Neeson
Cal Zapata :: Hamish Linklater
Jimmy ``Ordy'' Ord :: Jesse Plemons
Chief Petty Officer Walter ``The Beast'' Lynch :: John Tui
Lt. Col. Mick Canales :: Gregory Gadson
Chief Engineer Hiroki :: Joji Yoshida
Brownley :: Rico McClinton
Dr. Nogrady :: Adam Godley
Strodell :: Jerry Ferrara
U.S. Secretary of Defense :: Peter MacNicol
Producer, Peter Berg; Screenwriter, Jon Hoeber; Screenwriter, Erich Hoeber; Producer, Brian Goldner; Producer, Scott Stuber; Producer, Sarah Aubrey; Producer, Duncan Henderson; Producer, Bennett Schneir; Executive Producer, Jonathan Mone; Executive Producer, Braden Aftergood; Cinematographer, Tobias Schliessler; Production Design, Neil Spisak; Film Editor, Colby Parker Jr.; Film Editor, Billy Rich; Film Editor, Paul Rubell; Costume Designer, Louise Mingenbach; Original Music, Steve Jablonsky; Casting, Linda Lowy; Casting, John Brace.


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- Oct 31, 2007 | 2:21 PM EDT
- Daily 5th Place November 1, 2007
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July 15th 2009 - MEDALS ADDED!
Holy Crapballs! We've been nominated for the 2008 Tank Awards in the Best Game category! Thanks for all the support guys! You rock our Trick-Or-Treat bags! :)
This is it... the single largest game any of us have ever worked on before. Just in time for Halloween, this is our ultimate tribute to the classic "point-n-click" adventure games of the past. If you grew up on games like Monkey Island, King's Quest, Space Quest and others like that, then you'll feel right at home in this game.
"Trick-or-Treat Adventure Quest" very well may be one of the largest, if not THE largest, flash games you've ever played. You are Little Johnny, a kid in dire need of a Halloween costume who has to make do with what he can put together using household supplies. Once you have your costume pieced together, out into the real world you go for some Trick-or-Treating! But this isn't your average night in suburbia... many strange things are afoot and it's up to you to solve the puzzles if you want to enjoy all the delicious Halloween candies!
A wide variety of puzzles to solve, inventory items to combine, characters to interact with, big bad guys to battle and more can all be found in this big Halloweeny adventure! Since it's unlikely (though not impossible) that you'll finish this game in one sitting, we've thrown in a handy auto-save feature. That's right, you can close your browser window and then load up the game again later on and it will pick up right where you left off! In other words, play the game, but make time for some real Trick-or-Treating too!
We hope you guys enjoy the hell out of this game because we *REALLY* put everything we had into creating it. There's simply no other flash project we've worked on that we're prouder of. This final week of development we've been pulling all-nighters and beyond just to make it as nice as possible just in time for the holiday. This is our Halloween baby. We'd also like to extend a big thanks to Tom Fulp for sponsoring this game!
Happy Halloween, Newgrounds!
http://bomtoons.com/littl ejohnnysadventurequestwal kthrough.html
(Make sure you remove the empty spaces from the URL or it won't load properly. Also, we highly recommend figuring things out on your own, but if you're absolutely stuck on a puzzle, this will help you out. )
***ALSO, there's a 5-part Video Walk-through available on Youtube that covers the entire game. Just search for "Trick Or Treat Adventure" on Youtube and you'll find it.
Rated 5 / 5 stars November 17, 2007
The ending was funny, I had to use the walkthru and google. How come some items wern't used. I also like how the unimportant people insulted you.
Rated 5 / 5 stars November 12, 2007
Awesome Game
The graphics took me back to those DOS days, playing Hugo's house of horrors always pissed me off cause you had to type all the actions, not in this game though.
The gameplay was awesome the size is very good considering the length of the game. Took me forever to find stuff but it wouldn't be a puzzle if the shit was right in front of you.
I shat myself when it came to saving I think I mashed just baout every single button on the keyboard looking for a menu, so I decided fuck it, I gotta piss like a mother fucker, then I closed it, came back and for people in a similar situation the AUTOSAVE function saved my life.
Good game. worth the wait to play for all of you who have dial-up.
Rated 5 / 5 stars April 7, 2009
dude this is a sweet game
Rated 5 / 5 stars March 13, 2011
for kids
kids, never put ur hamster in the microwave please xD
Rated 5 / 5 stars November 29, 2009
omg omg omg
omg omg omg guybrush threepwood :D
sry for da unless review


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EXPERIENCE: Exodus 3
On Tuesday, September 17th, we experienced the campus-wide Bible study passage, Exodus 3, through creative and artistic expressions.
SING: Student Worship Team
On Friday, September 20th, we worshipped together as we celebrated the grace of our Lord Jesus Christ.
EXPERIENCE: Exodus 5:1-6:1
On Tuesday, September 24th, we invited our community to come experience Exodus 5:1-6:1 in fresh ways through art, song, and spoken word.
SING: Student Worship Team
On Friday, September 27th,we joined our voices to celebrate the beauty and power of God's name!
GROW: Laura Smit
On Monday, September 30th, we listened and responded to God's Word with Dr. Laura Smit, Associate Professor of Religion. We continued our series on the Ten Commandments: "Remember the Sabbath day…"
SING: Nate Glasper Jr.
On Friday, October 4th, we joined our voices in praising our great God with local worship leader and assistant director of the Calvin Gospel Choir, Nate Glasper, Jr.
GROW: Christian Edmondson
On Monday, October 7th, we UNLEARNed together as we listened and responded to God's Word with Christina Edmondson, Interim Dean of Multicultural Student Development.
TESTIFY: UnLearn - Kyle Lim
As part of UnLearn Week, on Wednesday, October 9th, we came together and listened to a testimony from Kyle Lim of Tall Turf ministries of what it means to grow up biracial.
SING: Gospel Choirs
On Friday, October 11th, we joined our Latvian sisters & brothers of the Riga Gospel Choir as well as our own Calvin Gospel Choir as we praised the God of all nations.
TESTIFY: Eric Nykamp
On Wednesday, October 16th, we heard from Eric Nykamp, artist, musician, and Calvin Alumnus, as he shared about the people at Calvin God used to shape him as a follower of Jesus.
EXPERIENCE: Exodus 16
On Tuesday, October 22nd, we experienced Exodus 16 as we used word, image, drama, & song to contemplate what it means to be satisfied.
GROW: Aminah Bradford
On October 28th, we grew together with Aminah Bradford, Associate Chaplain for Residence Life, on the commandment, "You shall not commit adultery."
TESTIFY: Gospel Choir Guatemala
On November 6th, we heard the Calvin College Gospel Choir testify to how they saw God's hand in their Guatemala tour this past summer.
EXPERIENCE: Exodus 33
On November 12th we came together and experienced Exodus 33 through the arts as we rested in God's presence.
GROW: Michelle Loyd-Paige
As we concluded our series on the Ten Commandments, we grew together with Michelle Loyd-Paige, Dean for Multicultural Affairs on November 18th. The commandment was "You shall not envy…"
TESTIFY: Messiah Sing
On December 4th we came to the CFAC for Chapel to testify to Christ's birth as we sang portions of Messiah with the Calvin Orchestra, directed by John Varineau.
TESTIFY: Joel Navarro
On January 22nd we heard from Music Professor, Joel Navarro as he testified to God's call to suffer.
GROW: Tarence Lauchie
On February 3rd we grew together as we listened and responded to God's Word with Tarence Lauchie, Senior Pastor, Grace for the Nations Church. We began a series, The Fruit of the Spirit— Humility (Luke 18:14).
PRAY: Contentment
On February 11th, we invited the community to join us in praise, psalm, proclamation, and prayer as we explored the theme of contentment.


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Kingston Electric Stove
by Estate Design | Item #: 345791 |Model #: FS2210A | (14) |
You can add year around ambiance to any room by using with or without the heat this beautiful free standing electric stove.
This classic antique looking electric stove is a free standing unit that allows you to use it with or without heat, and it is light weight enough to easily move from room to room. It can heat up to a 400 sq. ft. room, and is an economical supplemental heat source. The fan forced heat can be adjusted from 750w to 1500w, and no venting or piping is needed. Just plug it in to a standard 110v outlet and enjoy.
For additional questions or concerns regarding this product, please contact the Manufacturer's Customer Service Department at 1.866.561.0731
Assembled Country
Assembled Size
11" L x 22.3" W x 25 H
Component Country
Ask & Answer
Warranty Information90 days
There is no additional information available for this item.


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With Chad Ochocinco and the lovely Cheryl Burke eliminated from Dancing with the Stars, it looks like we have a local NFL candidate to replace Ochocinco next season.
Falcons defensive end Kroy Biermann finished tied for first place in the Dancing Stars of Atlanta contest last Sunday, which raised funds for the Georgia Chapter of the Alzheimer's Association at The Foundry at Puritan Mill.
Biermann had a final score of 28 out of 30 to tie Georgia Tech assistant baseball coach Tom Kinkelaar for first place.
Biermann and his partner, Amber Reich of the Daza Dance Academy and Academy Ballroom danced "The Jive" to the Robert Palmer song "Bad Case of Loving You."
Biermann, who brought his own pair of black professional dance pants for the event, helped raise more than $145,000.
Falcons president Rich McKay and wife Terrin McKay were there to support the event along with Falcons Board of Advisor member Ambassador Andrew Young (honorary chair) and his wife, Carolyn, who was also one of the dancers.
May 19th, 2010
3:57 pm
What, no pictures?
May 19th, 2010
4:11 pm
[...] This post was mentioned on Twitter by lora brain, Stephen Debock and D. Orlando Ledbetter, ATLHOMER. ATLHOMER said: Atlanta Falcons – RT Kroy Biermann wins Dancing Stars of Atlanta contest: We found out that Kroy Biermann had … http://bit.ly/cbbElm #AJC [...]
May 19th, 2010
4:12 pm
Maybe he can use his new "skills" to dance around the OTs he'll face this year. It would probably rattle the QB if instead of sacking him he tries to do the hussle.
May 19th, 2010
5:05 pm
How pathetic, Sheree Whitfield would be a nobody had she not married Bob Whitfiled! C-mon, let's stop making celebrities out of spouses, Jeez!
May 19th, 2010
5:33 pm
[...] This post was mentioned on Twitter by Myron Abernathy, Karl Werl, Dawson Devitt, Darryl Ledbetter, D. Orlando Ledbetter and others. D. Orlando Ledbetter said: Falcons DE Kroy Biermann wins Dancing Stars of Atlanta contest. Fundraiser for Georgia Chapter of the Alzheimer's Assoc http://bit.ly/bUoe3d [...]
May 19th, 2010
6:50 pm
May 19th, 2010
7:27 pm
Always knew Kroy had the moves.
May 19th, 2010
9:33 pm
the real winner was Georgia Tech Pitching Coach Tom Kinkelaar who had a 29 out 30 and Kroy had a 28 out of 30
May 19th, 2010
10:30 pm
Just think how many dancing with the stars Maurkice woulda won DUDE! Pouncey wouncey fo flouncey,bananna fanna fo flouncey,he's bouncey.TEE HEE.My luck he'll follow your lame blog an hunt me down.You ought to move to Pittsburgh 'bro! Just think of the innane drivel you could produce with Pounceys,Sweeds,Rothlesburgers,'et al.You are crackin' me up.How can I get a job writing mindless drivel day in and day out.Yeah,I keep a barf bucket next to my PC.
May 19th, 2010
11:08 pm
Orlando, did you watch any of the show? How good is he, really? Was it more a lack of competing talent, or can he legitimately cut the rug?
May 20th, 2010
4:54 am
U go Kroy!!!!
LOL most of those Real Housewives of ATL look like TRANNYS!!
Who is Big Poppa???
May 20th, 2010
11:32 am
You "no?" Really?
May 20th, 2010
4:40 pm
[...] Read More… [...]


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PHILADELPHIA, PA (www.sep.benfranklin.org) – Ben Franklin Technology Partners of Southeastern Pennsylvania (BFTP/SEP) was the 16th national venture fund in 2010 by number of deals, as reported by PWC MoneyTree™. With 33 company investments approved in 2010, Ben Franklin was the region's premier seed capital investor, contributing to a viable pipeline of growth opportunities in the region.
"We are gratified to have achieved this ranking among the nation's leading venture firms," said RoseAnn B. Rosenthal, President & CEO of Ben Franklin. "This ranking underscores the importance of the Commonwealth's continued support for seeding the enterprises that will be future job generators," see added.
"Ben Franklin's continued commitment to technology entrepreneurs and enterprises in the region provides an invaluable source of deal flow for the venture community," said Dean E. Miller, President & CEO of the Greater Philadelphia Alliance for Capital and Technologies (PACT).
The full list of nationally ranked venture funds can be found in the PWC MoneyTree report, page 12: Click here to view.
About Ben Franklin Technology Partners of Southeastern Pennsylvania
Ben Franklin Technology Partners of Southeastern Pennsylvania is a national, award winning model for technology innovation, and a catalyst for Stimulating Entrepreneurial Potential. For more than 28 years, we have invested in innovative enterprises and created commercialization pathways and partnerships that generate wealth through science and technology. We offer entrepreneurs and established businesses the Capital, Knowledge and Networks to compete in the global marketplace. We have invested more than $145 million to grow more than 1,700 regional enterprises across all areas of technology.
Ben Franklin's programs and partnerships with universities, corporations and investors strengthen the region's innovation infrastructure. Together with partners across the region, we are fostering the formation of a Greater Philadelphia energy cluster…Power Valley. We are the commercialization partner for the Greater Philadelphia Innovation Cluster (GPIC) national energy hub, and the founding partner of the Energy Commercialization Institute (ECI). We are founding partners of The Nanotechnology Institute (NTI), Emerald Stage2 Venture Fund, and numerous other programs and initiatives.
Ben Franklin is part of the Commonwealth of Pennsylvania's Ben Franklin Technology Partnership.
For additional information, please visit www.sep.benfranklin.org, Facebook, LinkedIn & Twitter.
BFTP/SEP Contact:
Jaron J. Rhodes
Manager, Marketing and Communications
(215) 972-6700, ext. 3214


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Which is correct?
The thief carried the knife carefully so as not to cut himself.
The thief carried the knife carefully not to cut himself.
Which is correct?
The first one. The second one sounds quite awkward, and in fact one way I can think of to improve it would be to add a comma: "The thief carried the knife carefully, not to cut himself". The slight pause is meant to suggest the missing "so as"!
I guess I don't need to start a new thread for this. I want to translate "Je prends mon temps pour ne pas le perdre", meaning: I take my time in order not to lose it. Now this is not a translation question, as I want to know the best way to somehow make it sound 'more English' yet natural... Which option is the best:
-I take my time so as not to lose it. -I take my time so as to lose it not. Or perhaps simply: -I take my time not to lose it. -I take my time to lose it not. -Thank you all.
I think the second alternative "The thief carried the knife carefully not to cut himself" is confusing, possibly incorrect. It would instead be used in this manner, I think:
(And I replaced carefully with carelessly, otherwise the sentence would make no sense.)
Have a look at this explanation: http://forum.wordreference.com/showthread.php?t=698972&p=3849845#post3849845


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Navy Expert Pistol Medal
Navy Expert Pistol Medal
$ 12.99
Attainment of the minimum qualifying score for the expert level during prescribed shooting exercises on the 9 millimeter pistol. The U.S. Navy has issued two marksmanship ribbons: the Navy Pistol Marksmanship Ribbon and Navy Rifle Marksmanship Ribbon, since 1920. The pistol ribbon is currently awarded for qualification on the 9 millimeter pistol, while the rifle ribbon is currently awarded for qualification on the M-16 automatic rifle. The Navy issues the marksmanship ribbon in three levels: that of Marksman, Sharpshooter, and Expert. The basic ribbon is awarded for the Marksman level while the specific Marksmanship Device is awarded for qualification as a Sharpshooter or Expert. Those receiving an Expert qualification receive the Marksmanship Medal, in addition to the Marksmanship Ribbon. Prior to 1959, the Navy also issued a ribbon known as the Distinguished Marksmanship Ribbon. This award was discontinued in 1960 and had been declared obsolete by 1965.
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Izaskun Larraneta
Publication: theday.com
New London — Police are investigating a robbery reported Monday night at Delicias Market, 79 Truman St.
The clerk at the market said an unshaven Hispanic male wearing a black down jacket had robbed the store at knife point, police said.
The incident happened around 9:15 p.m. No further information is available at this time.
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Connecticut Family Magazine Fall 2014Tell us your favorite children's books, board games, and more. You might be featured in an upcoming issue.
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Photo Calendar ContestSubmit your photos for Southeastern Connecticut for our very popular annual calendar.
Freaky FridaysEnter now! We're giving out 13 trick-or-treat bags full of goodies every Friday from Sept. 26 through Oct. 17.
Will you watch Oprah's interview Thursday with disgraced Tour de France champion Lance Armstrong?
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Primary Care, South Philadelphia is a member of the CHOP Care Network. We are committed to providing the highest quality care for your children.
All of our physicians are all Board Certified Pediatricians and members of the American Academy of Pediatrics. Our physicians are also active members of the medical staff at The Children's Hospital of Philadelphia.
For children and adolescents requiring hospital admission, we maintain close contact with the pediatric staff at all of the local pediatric hospitals. Historically, most of our patients choose to use the facilities of The Children's Hospital of Philadelphia.
For more information on our practice and policies, please see the following:
If you have any additional questions, we encourage you to contact your primary clinician.


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Home > Post > Post 11 > Post 11 News Release > 2013 News Releases > News Release
News Release
TPR Lloyd Cochran
Public Affairs Officer
Kentucky State Police
Post 11, London
(606) 878-6622
Click here to e-mail TPR Lloyd Cochran
Drug Arrest in Laurel County
Date of News Release: 03/23/2013
(LONDON, KY.) -- On Saturday, March 23, 2013 at 05:20 a.m., while on routine patrol, Sergeant Steve Walker conducted a traffic stop on a 1994, Dodge Pickup for traffic violations.
Upon making contact with driver and passenger Sergeant Walker determined both were under the influence of some substance that impaired the physical abilities. The driver was arrested for DUI Drugs and the passenger was arrested for Public Intoxication (drugs).
After receiving consent to search the vehicle officers located approximately 4 grams of Crystal Methamphetamine, 98 grams of processed and bagged Marijuana, numerous prescription medications, a set of scales and bags for packaging drugs, one shotgun, a large amount of counterfeit US currency and a large amount legitimate US currency.
Arrested at the scene were Thomas Jackson, 38, of East Bernstadt and Roger Baker, 45, of Livingston, both charged with the additional charges of Trafficking in Marijuana, Trafficking in a Controlled Substance 1st Degree (Methamphetamine), Trafficking in a Controlled Substance 2nd Degree, Trafficking in a Controlled Substance 3rd Degree and fifty five (55) counts of Possession of a Forged Instrument 1st Degree. Both were lodged in the Laurel County Detention Center.
Sergeant Walker is continuing the investigation and was assisted by Deputy Justin Walker, Constable Denver Mays and officers from the United States Secret Service.


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The past decade has flown by at the World Peace Rose Garden at Capitol Park.
"It's totally amazing," said co-founder Sylvia Villalobos. "It seems like we did the dedication not that long ago. So much has happened, yet it feels like it's always been part of us."
Named one of the top 10 public rose gardens in America, the 675-bush garden celebrates a milestone Sunday: its 10th anniversary.
"I'm just hoping the roses will look good," said co-founder T.J. David, with an eye on recent hot weather. "But I think (the anniversary) will be awesome. It's really exciting. It's becoming an international event."
The public is welcome to attend the free celebration. Locally acclaimed as one of Sacramento's most romantic settings, the garden is on 15th Street between L and N streets on the eastern edge of the Capitol grounds.
Starting at 2 p.m., Sunday's party stresses the garden's underlying message of world peace. Delegations of children from Jinan, China one of Sacramento's sister cities and Mexico will take part along with local students.
"They actually replicated our World Peace Rose Garden in Jinan," Villalobos said. "They wanted to pick one thing that represented Sacramento, and they chose this garden."
Hmong, Aztec and Sikh dancers will add to the event's international flavor. Along with several local dignitaries, more than a dozen leaders from Sacramento's interfaith community will take part.
A special guest will be Sadie Jauch of Lodi, who recently celebrated her 106th birthday with a rose variety named in her honor. The Capitol garden now has its own bed of Lady Sadie yellow and pink floribunda roses.
The Lady Sadie roses are among 80 new bushes added to the garden since last season. These roses are one more personal link between Sacramento and its Capitol garden.
After all, this is the people's rose garden, Villalobos noted.
"I'm very pleased it's enjoyed by so many people," she said. "That's the best part. They value it. They show ownership. We built it for the people, and they love it, too."
Rose days
Can't get enough roses? UC Davis opens up its 8-acre rose fields for tours this weekend during its annual Rose Days.
Hosted by the university's Foundation Plant Services, this free event includes informal workshops on all aspects of rose growing. The first 250 attendees will get a free floribunda rosebush to take home.
The open house and plant sale starts at 10 a.m. each day. Hundreds of bushes will be offered for sale including many of the new "Eyeconic" series of easy-care roses. Field tours will be held from 12:30 to 3:30 p.m. both days.
No registration is necessary. For directions and a catalog of roses for sale, visit http://ccuh.ucdavis.edu and follow the links to Rose Days.
Old shovels needed
If you have some old shovels gathering rust, dig into this recycling project. In a collaboration between the city of Davis and the university, a new art project needs loads of old shovels 400 total.
The shovels will be incorporated into a 16-foot-tall arch created by internationally known sculptor Christopher Fennell. The shovel heads will form "leaves" among vine-like twisted metal pipe.
Spades, trowels and shovels of all kinds will be part of the project. So far, about 100 shovels have been collected, according to Katie Hetrick of the UC Davis Arboretum.
"We need a whole lot more," she said. "The artist really wants the patina of used shovels to create this piece."
Gardeners can drop off their old shovels from 8 a.m. to 4 p.m. weekdays at the city offices, 1818 Fifth St., Davis. Or bring them to the UC Davis Arboretum plant sale at its teaching nursery, 9 a.m. to 1 p.m. May 18.
WORLD PEACE ROSE GARDEN 10th ANNIVERSARY
When:2 p.m. Sunday
Where: Capitol Park, 15th Street between N and L streets
Cost: Free
Information: www.worldpeacerosegardens.org
When:10 a.m.-4 p.m. today and Sunday
Where: Foundation Plant Services, UC Davis
Cost: Free
Information: http://ccuh.ucdavis.edu
Call The Bee's Debbie Arrington, (916) 321-1075. Follow her on Twitter @debarrington.
© Copyright The Sacramento Bee. All rights reserved.


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There's a brand spanking new trailer for "Final Destination 5" out and hey did you know Tony Todd's in this one? So that's something, right? And it's in 3D. Tony Todd in 3D. Man this one is going to be awesome. And I didn't think I'd have anything to say about the new trailer. Thank god and baby Jesus for Tony Todd.
"Jeepers Creepers" mastermind and official NAMBLA member Victor Salva recently let out that if and when "Jeepers Creepers 3" happens it'll be the last installment in the series. Please Victor, say it aint so. He did come out and say that 3D probably wouldn't be an option for the film that's had a script for some time now and just can't seem to get off the ground. Let's keep our fingers crossed that things work out for the convicted sex offender.
If you're holding your breath for a "Zombieland" sequel you better have some pretty hefty lungs my friends. In a recent interview Jesse Eisenberg gave an update on the status of the follow up and it looks like other than some form of a script being worked on not too much else has happened. He does go on to say that all the actors are on board but the longer it takes the less interesting the film will be. Then he kicked a puppy and shot a bald eagle.
And because it's a slow day here's the trailer for a new Cuban zombie flick cleverly titled "Juan of the Dead". As you can expect it's a nod to Simon Pegg and Edgar Wright's "Shaun of the Dead". And by nod I mean there's a cigar smoking mental patient in the corner giving himself whiplash he's nodding so hard. Ay caramba.
I'm pretty sure 30 years ago this was the theme of at least 12 movies but a Oregon man is under arrested after dressing up as a woman and sneaking into a woman's lock room to do a little peeping. Of course it turns out he's also a convicted sex offender which I'm pretty sure was never a plot point in any of those movies but it was a long time ago. I don't remember them that well.
And lastly here's a story about a man who apparently couldn't wait to get out of the porn shop he was robbing to sample the products because police found him hiding in one of the back closets going to town on a blow up doll. When the mood strikes I guess there's no stopping some people.
Despite my undying hatred for Kevin Smith, "Red State" actually looks pretty good, and it kills me to say that. Well to keep the ball rolling Mrs. Smith (see what I did there) released a new clip to the fine people at MTV. Because if you want to stay indie, you go to the channel that brought you "The Grind".
Rosamund Pike, who has a stupid name but was apparently in "Doom" so I like her, has been added to the cast of the "Clash of the Titans" sequel currently titled "Wrath of the Titans". The movie will be bad but it's got the girl with the stupid name who was in "Doom" so maybe it'll make me think of The Rock, the wrestler not the movie, and it'll make me happy and I'll like it. That's logic people, logic all over your face.
Victor Salva is the guy responsible for ruining my senior year by making the movie "Powder", bald pale white guys aren't all freaks, people! Now he's got a new movie titled "Rosewood Lane" that has just cast Rose McGowen. If this one turns out to be about a guy with a mild drinking problem and horrible grammar who sits on NJ transit for 2 hours a day I'm going to think Victor has it out for me.
Suck on that "Snakes on a Plane"! David R. Ellis has topped you for best movie name ever. He wants to release his new film under the title "Untitled 3D Shark Thriller". Try to guess what the movie is about and what dimension it'll be shown is. I bet you guess right. If you didn't you might want to get that looked at.
Kids, they do the darnedest things. Like these three students in Ohio that set a kid's hair on fire while riding the bus home from school. At least I think it was on the way home, that's an awful way to start the day. It's not really a great way to end it either but ya know.
Sometimes the urge calls and there's no stopping it. A Florida teen was arrested for breaking into a business recently because he stopped to look at porn on a company computer. It's his own fault though, apparently he was just pulling his pants up when the police got there. I'm guess it took them at least 15 minutes to get the call and get there. This guy is doing something wrong.
The VHS cover alone was enough to give me nightmares, but the movie was pretty darn creepy too. Casey (Nathan Forrest Winters), one of three brothers, has an intense fear of clowns. His older brother Geoffrey (Brian McHugh) mostly sympathizes with Casey's fears, even though he doesn't understand them. Oldest brother Randy (Sam Rockwell) however, constantly makes fun of Casey. After a night at the circus, where Casey runs away from three clowns that approach him, the boys return home to their empty house.
Remember that rumor earlier this week about Bill Murray playing a ghost in "Ghostbusters 3"? Turns out Sigourney Weaver was just having a little fun at your expense. Oh, Sigourney!
Writer/director Victor Salva really hopes that "Jeeper Creepers 3" will have a proper theatrical release. MGM, meanwhile, isn't so sure.
Although it isn't technically a horror film, it's worth noting that the new trailer for Tim Burton's "Alice in Wonderland" has appeared online. Honestly, I'm pretty excited about this one.
Additionally, the latest trailer for the high-concept remake of "Clash of the Titans" features a tasty little glimpse of the updated Medusa and the Kraken. My skepticism is quickly waning.
If you think you can rip off the library, think again. An Iowa woman was jailed for not returning the 53 movies she'd borrowed from her local branch.
After flashing her breasts at on-coming traffic, a New Zealand teen is struck by a distracted driver. I don't think they cover this sort of thing in Driver's Ed.
Impaling yourself on a wooden fence is bad enough. Having to wait over 45 minutes for help to arrive is something else entirely. Ouch.
1969 - Project Blue Book, the branch of the military that investigated UFO sightings, is reportedly terminated.
Some great remake news today. After going through test screenings in preparation for a remake of the moc-doc "Paranormal Activity", Paramount has decided that the film tested so well that there is no need to remake it. The film, which has garnered heavy buzz in the horror community lately, will debut September 25th at Midnight at Fantastic Fest 2009 in Texas.
Ryuhei Kitamura ("Versus", "Midnight Meat Train") is going to be directing an adaptation of one of Stephen Kings "Nightmares & Dreamscapes" tales, titled "Home Delivery".
Victor Salva says "Jeepers Creepers 3: Cathedral" is finally coming together money wise, with Gina Phillips slated to reprise her role as Trish, 23 years later. He also uses the phrase "you have to keep four or five balls in the air at a time", which might not be the smartest thing for a man with his past to say. Hey, just pointing out the obvious here.
I have an idea for the most annoying film ever. "Fight Club" with werewolves. Oh crap, looks like someone beat me to it.
Penis trauma is never funny. When it's a story about a guy who shot himself through his own junk however, it almost is. ALMOST.
This is literally a case of a politician being in bed with a lobbyist. And apparently, spanking one as well.
1993: The X-Files premieres on the Fox network. 7.4 million homes tune in to watch the ginger fueld sexual tension.
CC's back, Joe's confused, and we hope you enjoy the new sound!
A movie that has the crew conflicted.


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Layne Johnson
Some of Provinciano's statements show that he didn't read or hear the info about it. One, Msoft has already said that this also means that indie devs will not be limited by anything and will have full access to the system as AAA titles, this includes cloud computing, 5gb ram, Kinect, etc If a triple A developer can use it, so can a self-publishing indie dev. Of course there will be fees and regulations to developing and self-publishing to prevent a game store clutter, and they also stated that they're going to have great discoverability for Indies, and that their games will be able to be found alongside triple A titles. I don't think Msoft would allow this change and allow a lot of half-assed, shitty games to,clutter up the marketplace. Socyeah, before any final judgments are made, lets hear more about it at Gamescon, it gets a little annoying to see people filling in the blanks with their own theories but they're presenting them as facts, especially when somebody as well known as Provinciano is saying them. I feel pain for his experience with Msoft. As far as indie games being published or made on the Windows OS portion of the console, that was pulled straight from his arse. The only thing Msoft has said about developing for the Windows OS was if developers wanted to get a Headstart at making APPS, not Games, then they might want to start developing for Win8. Just sayin, read up on your doctrine before you start preaching.


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Financial Aid
Financial worry happens. Thanks to Clarke's financial aid system, you will have one less stress.
Consider us your aid ambassadors. If you need a primer, a one-on-one meeting, we will explain the process. After confidentially reviewing your situation, we tailor a plan that works for you. Because we know the lingo, we find aid you may not have known existed, whether its grants, loans, work funds – you name it.
As semesters pass, we are with you every step of the way. If you have a question, communicate it to us however you would like.
Telegram? It might be a little tricky, but we will try it.
We believe in value. A Clarke degree is exactly that. And with $10 million in gift aid given to students each year, we make your investment worth every red cent. Honest Abe would be proud.
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The Lighthouse Blog
New city hall to open its doors Monday
Published on Wed, Sep 5, 2012 by
Carissa Wright
Read More
With the pounding of the gavel at the end of the city council meeting on August 27, Blaine's H Street city hall closed out its last official public meeting. Just before the next council meeting on Monday, city staff will throw open the doors of the new city hall with a ribbon cutting and reception.
The public was invited to tour the new building Tuesday and Wednesday before renovations were completed. City manager Gary Tomsic led tours of the third and fourth floor of the Banner Bank building, which the city purchased in March.
The new space will house all city employees currently at the H Street location, along with four planning staff members who previously worked out of a separate office. The third floor will house the city's finance, administrative and planning offices along with the utility billing office and service desk.
The fourth floor will serve as the council chambers and municipal court – a dual-purpose room that can also be rented out for community functions.
Once the new city hall is fully operational, public access to the fourth floor will be limited to council and court chambers during public meetings.
Tomsic is most excited about the new space for the planning staff. Currently, residents who need to review building plans with city staff are relegated to a small counter in the midst of other work areas, making it difficult to look at large blueprints and plans, Tomsic noted. But now a large, dedicated counter will give planning staff and residents space to work.
Tomsic also pointed out another clever solution to an annoying problem. A room on the fourth floor (as well as some space on the roof) is leased by T-Mobile for cellular service. Because of the equipment it housed, the door to that room needed to be kept open. However, Tomsic struck a deal with T-Mobile whereby the city would pay for air conditioning to be installed in the room, and T-Mobile would allow the city to house its server equipment in the unused space. As a result, Tomsic said, they now get to keep the door closed.
There will be an open house at 4 p.m. on Monday, September 10 on the 3rd and 4th floors of the 435 Martin Street, followed by a ribbon cutting at 5:30 p.m. in council chambers on the 4th floor. For more information, visit
or call 332-8311.


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Trapt fans who literally want to hear the latest pertaining to the band's next studio album, DNA, can do so by becoming a "TraptBacker."
The band has launched a crowdfunding campaign via the Indiegogo website to fund work on a new album. The band is looking to raise $50,000. All fans who kick in money will get access to the "Listening Room," where they'll get to hear vocal and instrumental parts as they are finished, as well as hear mixes of songs and view behind-the-scenes videos.
The group, best know for the 2002 hit "Headstrong," is also offering three opportunities -- at a cool $5,000 apiece -- for contributors to sing, play guitar or the drums on a song that will be included on DNA. The album is scheduled for a spring 2015 release.
The campaign ends August 16 at 11:59 p.m. PT.
Follow @ABCNewsRadio
Copyright 2014 ABC News Radio


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|Eastern Conference
|Barrie Colts
|Belleville Bulls
|Kingston Frontenacs
|Mississauga Steelheads
|Niagara IceDogs
|North Bay Battalion
|Oshawa Generals
|Ottawa 67's
|Peterborough Petes
|Sudbury Wolves
|Western Conference
|Erie Otters
|Guelph Storm
|Kitchener Rangers
|London Knights
|Owen Sound Attack
|Plymouth Whalers
|Saginaw Spirit
|Sarnia Sting
|Sault Ste. Marie Greyhounds
|Windsor Spitfires
|Acadie-Bathurst Titan
|Baie-Comeau Drakkar
|Blainville-Boisbriand Armada
|Cape Breton Screaming Eagles
|Charlottetown Islanders
|Chicoutimi Sagueneens
|Drummondville Voltigeurs
|Gatineau Olympiques
|Halifax Mooseheads
|Moncton Wildcats
|Quebec Remparts
|Rimouski Oceanic
|Rouyn-Noranda Huskies
|Saint John Sea Dogs
|Shawinigan Cataractes
|Sherbrooke Phoenix
|Val-d'Or Foreurs
|Victoriaville Tigres
Tigers Director of Marketing & Public Relations Dave Andjelic was on hand to award the recipients.
Photos: Digital Sports Photography
Medicine Hat, AB - The Medicine Hat Tigers believe you can receive a good post secondary education going the hockey route. They have put their money where their mouth is.
The Tigers donated a total of $5,000.00 in two separate scholarships at the recent 40th Annual Medicine Hat Hockey Hounds Bantam AAA Hockey Tournament.
The $2,500.00 scholarships are awarded to the overall tournament MVP and the local Southeast Bantam AAA Hockey Hounds tournament MVP.
This year's recipients of the scholarships are Tyler Benson from Edmonton's Southside Athletic Club Lions, who was named the tournament MVP and the Michael Clarke, who was selected as the MVP from the local Southeast Hockey Hounds.
Timezone: PT | MT | CT | HOME TEAM
Which Division will produce the 2014-15 WHL Champion?


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The Court Rooms are gorgeous big double rooms that reflect this Great British hotel blending the historical architecture with stylish comfort. Individually decorated, they still retain the character of the house and they all have wonderful en-suite large, walk in showers (Please note there are no baths in these rooms).
All of our bedrooms have comfortable beds furnished with Egyptian linen, luxurious bath products, fluffy towels, bath robes and flat screen televisions. If you wish to discuss any particular requirements or would like more details about an individual room, please do not hesitate to call or e-mail Reception.
Featured right, "El Dorado".
If you would like to book a room or table, please click on the "Book your Room" or "Reserve a Table" buttons at the top right of our site. Alternatively, you can contact us on email@example.com or on
01285 740 337.