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Among life insurance products, ULIPs are the best investment tool to create wealth, especially the new age 4th Generation ULIPs which over the years have gone through several changes.
Understanding the significance of financial planning is becoming crucial for the younger generation particularly in India, which has more than 50% of the population below the age of 25 and more than 65% below the age of 35. There is concrete data to show that by 2050, the population of India above the age of 60 will increase by 326%.
Thus, with increasing longevity and life expectancy, the cost of living a dignified life at the end of our careers is also going up. You should, therefore, start planning for your future now by investing wisely. Even though you may have certain investment instruments in your financial planning kitty, putting all the eggs in one basket will leave you vulnerable to market volatility. Thus, investment in ULIP will prepare you against these market churn and hedge your risks.
What needs an individual can have?
Needs are the foundation of your financial planning. While establishing your financial plan, the first thing you need to do is to identify your short-term and long-term goals. Identifying goals and a proper plan to upkeep them can bring you assurance of a sound financial future. Short-term goals are your more immediate expenses such as covering daily expenses, purchasing household furniture, buying personal goods, payment towards rent or student loans.
However, long-term goals are usually your big picture costs. Achieving these goals may take years or even eras. Some examples of long-term goals are planning your retirement fund, starting a business or even paying off your mortgage.
Why is it important to invest when you are young?
The early you start investing, the more time you give to your invested money to grow. Insurance premiums are positively allied with increasing age. Also, investing early allows you to develop disciplined spending habits by focusing on your budget and cutting expenses when needed.
ULIP with the new version of plans and benefits is an effective investment tool to achieve your goals. Being the another investment avenue for young generation, it is one of the best investment options for millennials in the current volatile market. It gives investors both insurance and investment under a single integrated plan, thus the investment risk is on the individual.
Get higher returns out of your investment
Markets are volatile in the short term. Therefore, it is advisable to invest for a longer period for higher returns. The compounding nature of ULIPs enables you accumulate a higher corpus. For instance, if you start investing in ULIP plan at the age of 25 by paying just Rs 5,000 every month for approximately 25 years, you get around Rs 60-70 lakh at the rate of 10%. On the other hand, if you start investing at the age of 35 years, then your corpus at the age of 50 years will be around Rs 20 lakh at the rate of 10%. In short, the longer you invest your money in ULIP, the more amount you will accumulate.
Creation of your long-term wealth
ULIPs have been a solution to every investor's problem. Among life insurance products, ULIPs are the best investment tool to create wealth, especially the new age 4th Generation ULIPs which over the years have gone through several changes. The main idea to invest at the early stage of your life is to accumulate higher wealth and to achieve long-term goals. It has been perceived that the longer you stay invested, the lesser are the chances to get affected by any financial ups & downs in the market. Basically, it helps you to fetch better returns which can also be used as a financial corpus for retirement purpose.
Tax-Saving Ability
The strongest high point of ULIPs has to be their tax benefits. ULIPs offers remarkable good tax savings on withdrawals that are unavailable to mutual fund investors. The investment made in ULIPs are also tax free under section 80 C (up to Rs 1.5 lakh). Saving on income tax is definitely one of the advantages as one gets tax rebate on the premiums paid.
Charges are lower than ever
ULIPs did have higher charges initially when it was introduced. But, these charges have been reduced affectedly over the years with the launch of new age ULIPs. Usual charges in ULIPs were premium allocation charge, policy administration charges, fund management and mortality charge. However, this is changing with plans like Bajaj Allianz Goal Assure which assures return on mortality charge on the maturity. The investors will get the mortality charge back once the plan matures, simply offering a free insurance cover. Also with time, policy admin and premium allocation charge has become zero, FMS capped at 1.35%.
Here's a look at some of the top-performing Ulips:
Updated as on: 2nd July 2019
Source: www.policybazaar.com
(By Santosh Agarwal, Chief Business Officer-Life Insurance, Policybazaar.com)
(Disclaimer: These are the views of the author. Readers are advised to consult their financial advisor before investing in any plan.)
Do you know What is ? FE Knowledge Desk explains each of these and more in detail at Financial Express Explained. Also get Live BSE/NSE Stock Prices, latest NAV of Mutual Funds, Best equity funds, Top Gainers, Top Losers on Financial Express. Dont forget to try our free Income Tax Calculator tool.
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text: Lawline will be sponsoring a 3-member panel discussion led by Gerald M. Levine on the administrative (ODR) and statutory procedures for combatting cybersquatting. It will take place on October 11, 2015 at midday for 75 minutes (live and streamed) at New York Law School. The panelists will cover the arbitral regime implemented by the Internet Corporation for Names and Numbers (ICANN), the Uniform Domain Name Dispute Resolution Policy, and the Anticybersquatting Consumer Protection Act, both of which were rolled out in 1999. The discussion will include procedures, evidentiary demands, remedies, and jurisprudence of both regimes.

subset: commoncrawl


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Jump To:
Corporations & Businesses
My experience with Dr. Logan as a scholar, professional, educator and friend spans a couple of decades. His long-standing passion and deep understanding of issues of diversity and inclusion is rooted in his on-the-ground experience with multiple cultures around the globe.Dr. Logan is an invaluable resource for those business enterprises and organizations seeking to develop global leadership, diverse talent, and competitive advantage."
Eugene Kelly, Vice President,
Global Diversity & Inclusion, Colgate-Palmolive Company
Dr. Logan's facilitation skills are world class! He has such a kind spirit that sets the tone so wonderfully."
Laura Maloney, Program Coordinator,
Evanston Scholars
We found Dr. Logan's open approach to the sensitive subject of bias and stereotypes engaged our employees and encouraged them to actively participate in the workshop. His discussion of how we can look past our cultural differences and become more aware of our behaviors and actions, ultimately, leads to the conscious choice to stay in our company's inclusive, diverse culture. As owners and managers of the business, Dr. Logan's workshop was a great way to reinforce our culture and values to our employees."
Daniel Stein, Mark Stein, Owners,
Mark Vend Company
Dr. Logan is masterful at creating learning experiences which enable workers and leaders to discover the insights necessary to personally transform themselves and guide the transformation of their organizations."
Dr. Reginald C. Jackson, Learning Engineer, Faculty Support Services,
Northwestern University
To meet the challenges of working and living in the 21st century we must develop the awareness, knowledge and skills to interact with diverse groups of people. Dr. Logan will help you develop the cultural competencies needed to succeed in a global society."
Tracey Cross-Jones, Litigation Support Manager,
McDonnell Boehnen Hulbert & Berghoff LLP
Dr. Logan understand both the difficulties and the possibilities of developing organizations that perform better because the individuals in them have developed necessary cultural competencies. He cultivates organizational transformation by transforming the individuals that work in them."
Christopher Jones, Independent Recruitment Consultant
I have worked with Dr. Logan for over 8 years as a speaker and presenter in my leadership programs at schools and community organizations. Dr. Logan always exceeds expectations. Recently we had him as the closing speaker at the FIRE (Fostering Intercultural Respect and Empowerment) Conference at Lake Forest Academy, and he was spot on his address to students and teachers. Dr. Logan inspires us to take risks, break down barriers, and come together to build stronger community. I encourage any organization that wants to foster more leadership across lines of difference to work with Dr. Logan."
Matt Nink, Director,
The Stuart Center for Global Leadership
Dr. Logan shows that transformative leadership begins with transformative learning. He facilitates a learning experience that is engaging and challenging in a way that resonates with individuals."
Dr. Hireshemo B. Clark, School Psychology Coordinator (Networks 7-13),
Chicago Public Schools
I wouldn't hesitate to recommend Dr. Logan and his company to other businesses and institutions who are looking for ways to assess and address the challenges and opportunities of diversity. As a leader of effective diversity management, Dr. Logan shows how diversity can add value to any corporate enterprise."
Dr. Hireshemo B. Clark, School Psychology Coordinator (Networks 7-13),
Chicago Public Schools)
Dr. Logan helps global leaders achieve more than effective diversity management – he helps them acquire the skills they need to be effective leaders in a global society. He understands there is a difference between managing diversity and mission driven diversity management."
Dr. Michelle Hoy-Watkins, Associate Faculty,
Chicago School of Professional Psychology
Law Enforcement
Doctor Logan, an alert and aware listener, is endowed with an uncommon skill-set that includes the abilities to facilitate dialogue, remain neutral, thereby engendering respect for different opinions and perspectives. Officers embraced the opportunity to discuss implicit bias with him and with their peers—testimony to the credibility, rapport and trusting environment he established, and the respect he shows for each participant.
Dr. Logan, an alert and aware listener, has planned and facilitated focus groups, town hall meetings, workshops, one-on-one consultations, and developed curriculum and assessments for our department. He is endowed with an uncommon skill-set that includes abilities to facilitate dialogue and remain neutral, thereby engendering respect for different opinions and perspectives. He guides the group away from finger-pointing and towards personal responsibility for finding solutions."
Richard Eddington, Chief of Police,
Evanston Police Department
Dr. Logan provided the Evanston Police Department with an extensive, yearlong program instructing officers in the area of diversity, implicit bias, and racial sensitivity. His expertise in diversity, implicit bias, and racial sensitivity was of great value to our department. We were very fortunate to train under his guidance."
Commander Diane Davis, Office of Professional Standards,
Evanston Police Department
We brought Dr. Logan in as a diversity trainer and consultant to help mental health providers identify strategies of engagement for developing relationships between police and the community. This workshop was very unique and the first of its kind. Faculty, staff and students found Dr. Logan to be very insightful and inspiring. Dr. Logan's depth of knowledge and experience working with police added to our understanding of organizational culture and enhanced the knowledge of all participants. Our faculty was excited and engaged in discussion about their insights regarding prevention strategies for mental health professionals and organizational challenges for police. Dr. Logan's understanding of these cultural challenges provided a contemporary framework to conceptualize and develop violence prevention strategies and our own cultural competence. We hope to work with Dr. Logan in the near future."
Dr. Nathaniel Gilham, LCPC, NCC, Assistant Professor/Director of Training,
Argosy University, Illinois School of Professional Psychology
We brought Dr. Logan in for a workshop titled Race, Policing & Misperceptions to help mental health clinicians explore tensions between racialized groups and law enforcement in hopes of providing us with greater insight into the perspective of the police. He was very effective at challenging us to consider the individuals inside of the uniform and understand that they too are impacted by the system they are sworn to enforce. This was of value to me because it forced me to challenge myself and think of the ways in which I could work to bridge the gap between clinician, the police force, and the community. The knowledge gained from this session was transformational."
Lakesha Winley, Doctoral Student, Diversity Fellow,
Illinois School of Professional Psychology
Educational Institutions
The message from Dr. King to Chief Logan to Dr. Logan to our university – was exceptional, inspirational, and relevant to students of all races. Dr. Logan has an amazing presence and engaging style that resonated with our diverse groups of students, staff and administrators. His incredible story is alive in a unique way that will inspire any young person struggling to survive school, build a career and live the American dream."
Miguel A. Cambray, Director of Multicultural Student Services,
Lewis University
Dr. Logan was outstanding as an emcee and speaker to over 1,000 students, staff and administrators of various cultural backgrounds. He provided a great mixture of facilitation and storytelling about his struggles as a child, challenges as a student, trials with his career, and lessons from his travels around the world. Dr. Logan connected with and inspired students in real and relevant ways. I received numerous positive comments from colleagues about how engaging and meaningful he was in both, content and delivery. For many, it had been years since we've seen such a large audience of students so fully captivated."
Alana Amaker, Counselor Teacher, Program Coordinator,
Evanston Township High School
Dr. Logan's workshop series was profoundly successful. Even though the majority of the church congregation is not of color and is an older demographic, they paid rapt attention to the universality of his work, which received an enthusiastic and positive reception. I wholeheartedly recommend the work of Dr. Logan, particularly for adolescents and young adults, who are actively seeking identity."
Nina Roberts, Co-Chair, Spiritual Pathways,
Lake Street Church of Evanston
Dr. Logan has a presence that resonates with the audience and a unique, soothing way of engaging people about discomforting topics."
Dr. Quincy Thomas Stewart, Associate Professor of Sociology, Faculty Fellow,
Institute for Policy Research, Northwestern University; parent
Dr. Logan engaged our graduate students in a well-organized presentation that challenged them to think comprehensively about diversity and inclusion. He challenged them in such a way to encourage them to examine their own explicit and implicit biases and to seek more information. Any corporation and educational or public sector institution should hire him. He presents the information clearly and cogently and uses audio visual and media in an engaging and interesting way that captivated us all."
Carl Hampton, Sr. Staff Therapist, Clinical Lecturer,
Family Institute at Northwestern University
Dr. Logan facilitated cultural sensitivity trainings for our staff, mentors, and volunteers. Without exaggeration, every participant shared the effectiveness of the sessions. He did an excellent job from beginning to end. Dr. Logan's preparation was thoughtful and thorough as he wanted to learn the story and nuances of the organization. Then, during the workshop, he was exceptionally skilled at facilitating the material — he provided a theoretical framework, but also brought in aspects endemic to our community. Dr. Logan also provided personal stories, but just enough, so that it didn't take away from the purpose and focus. He brought the intangibles necessary for a successful workshop. We were extremely pleased that Dr. Logan worked with us, and we look forward to working more with him."
Steven Newman, Executive Director,
Evanston Scholars
I have attended many "diversity" workshops during my career. Dr. Logan's workshop for Evanston Scholars was the best. I appreciated his authenticity, accessibility, and inclusiveness. The workshop was refreshing and thought provoking. I would gladly attend the next one in the series."
Dr. Aimee Crow, MD
I reached out to Dr. Logan to help our school community with the process of planning, facilitating and evaluating a workshop series for parents, teachers and administrators around topics of race, racism and various notions of being different. He was genuine, inclusive, engaging, enjoyable, and fabulous. The diverse skill set that Dr. Logan holds makes him a great asset to any institution and community of learners."
Kate Ellison, Principal,
Washington School
I highly recommend Dr. Logan as a consultant and trainer for institutions and communities interested in personal and organizational transformation. As a trainer he did a fabulous job providing a balance of theory with research and best practices. Dr. Logan has helped our school community have an open discussion and dialogue about the positives and challenges of diversity; and how we can continue to improve our school community and ourselves as individuals."
Kate Ellison, Principal,
Washington School
Dr. Logan offered teaching and learning strategies I definitely will use in my approach to more effective teaching."
Professional Development Workshop Participant,
Harper College
Student Participants
Workshop & Seminars
Dr. Logan's workshop on diversity in the community, racism, and cultural awareness made me think about how our cultural values influence other people through our actions and words, even if we are not consciously aware of these dynamics on a day-to-day basis. By getting everyone involved during the presentation, Dr. Logan was able to tune a group of neophyte therapists into a topic that will no doubt influence the work we do in the community in a positive way moving forward. Dr. Logan's story, warm personality, and experiential teaching style is engaging and inspiring."
Jonathan Brown, Candidate for Masters of Science in Marriage & Family Therapy,
Northwestern University
Dr. Logan wasn't talking about general abstractions, but real life."
Francis Parker High School, Chicago, IL
Dr. Logan's presentation has totally changed the way I see myself. I now want to discover who I am and who I want to be. I must discover my own culture, values and beliefs that are special to me and that will help me persevere through my struggles. It speaks to all minorities because, just because we face oppression does not mean we have to live up to the many stereotypes that are placed upon us."
Salvador Sepulveda, Student,
Northeastern Illinois University
This experience was very eye opening. I wasn't even aware of how I truly felt; the amount of built-up emotion about things so personal that I have not shared with anyone was difficult to deal with. But when I started working on it, it felt really good. Although I've experienced oppression, I never thought analyzing it would help me understand it enough where I feel confident enough to confront it like I do now."
Nida Uddin, Student,
DePaul University
After hearing the presentation and how Dr. Logan has tried to change society, I'm beginning to break through that and realize that even though we are all different does not mean we must stay separated. We all have to learn and reshape society. But, I think before we begin helping others first, we must first learn about ourselves."
Harsh Patel, Student,
Harper College
Learning of your experiences was a great value to me because it gives me insight on how much there is to learn and how I've only seen the tip of the iceberg."
Claudia Reese, Student,
Harper College
At our Dr. Marin Luther King Jr. assembly, Dr. Logan shared his own journey in a manner that elicited both empathy and inspiration. His sincere and personal way of connecting with students made his message real — and his message is one that every educator wants his or her students to internalize: "Education will set you free and help you understand that any form of oppression is not only wrong, but rooted in insecurities and ignorance." Truly inspiring!"
Ben Hebebrand, Head of School,
Quest Academy
Dr. Logan was the keynote speaker at our Martin Luther King Jr. Assembly. He had the entire school, from the four-year-olds to the adults, captivated with his message of struggle and hope. He shared many personal stories, but tied them to King and his message. He spoke at 10:00 AM and by 3:00, the third graders were still talking about him and his message."
Jen Fabsik, Service Learning Coordinator,
Quest Academy
I approached Dr. Logan about presenting to our students, faculty and staff because of his experiences as a student and an African American who had traveled the world to discover who he was. His incredible story was very well received. Students identified with challenges Dr. Logan faced in school, were inspired by his perseverance, and gained a new perspective on life. Dr. Logan's story and presentation is certainly inspirational."
Dr. Ssebunya Edward Kasule, Assistant Professor, Political Science,
St. Louis Community College
The precision with the enthusiasm teaches young people a lot about the rewards of discipline, and combine that with the spirit of community, it prepares them for world citizenship. I think all of the things they learned will stand well in their academic pursuits."
Dr. Hardy Murphy, Superintendent,
Evanston School Strict 65
Dr. Logan is so impressive, both in his content and style. He facilitated an educational, thought-provoking workshop that helped us to consider new ideas and reconsider familiar ideas in new ways. He struck a balance between offering a lot of meaningful information and allowing for stimulating small group discussion. His depth and breadth of knowledge, experience, and interpersonal style led to a comfortable environment where conversation, questions and thoughts were free-flowing. We hope he'll be back for more next year!"
Heather Sweeny, Parent Teacher Association,
Washington Elementary School; PTA Council, School District 65
I contacted Dr. Logan to coach my daughter and I through some sensitive difficulties we were having with cultural relations at her school. He was very patient, listened carefully to all my concerns, and gave us a strategic approach to having uncomfortable conversations with a parent of a different race. As a result, the children had a great conversation, as did I did with the parent and the camp leader. It really helped me not move into a negative reactive space."
Tana Francellno, Washington School parent
Community Groups
Dr. Logan's session was extremely inspiring and eye-opening. I've been to a bunch of diversity and inclusion session and have always left feeling like we just scratched the surface; this was not the case with Dr. Logan. While we only spent a few hours with him, he was very clear and concise and gave our staff the actionable ways to improve and become more aware of our biases. I am so grateful for the work that Dr. Logan does and can't wait to have him lead more sessions with us."
Jesse Chatz, Manager,
Outreach & Recruitment, McGaw YMCA
The way Dr. Logan laid the foundation and built on it gave me practical ways to apply info I have heard a million times, ideas for ways to understand and interpret my bias."
Maggie Allexsaht, Director,
Member Relations, McGaw YMCA
What was most impressive was Dr. Logan's call for introspection and its insistence and implication built into the presentation."
Samuel Carroll, Instructor,
MetaMedia, McGaw YMCA
I interviewed Dr. Gilo Kwesi Logan for a segment of my video series, Talking About Success. He is one of the most interesting people I've ever had sitting on my couch. He speaks all over the world telling his incredible story. To have his life he should be much older than he is. He's seen and done so much. I love it. This is a man worth listening to and learning from. I'd like to turn this into a master class."
Jack Canfield, co-author of the bestselling series, Chicken Soup for the Soul, and author of, The Success Principles
I have known Dr. Logan personally and professionally for more than three decades. He is a powerful, effective and compelling leader and speaker because he lives the walk. He is the embodiment of Dr. King's Beloved Community, for he is at once a global citizen and an admired leader within his hometown. I have witnessed Dr. Logan lead and teach in classrooms and boardrooms; living rooms and on our shared streets. He brings a broad and deep knowledge – theoretical, academic and lived, personal. He is an inspiring and wise diversity coach, educator and trainer. His has a restorative, empathic approach accessible to any audience. He is a master storyteller, a truth teller, and a healer – and he shares the full wisdom of all his roles so generously with his community."
Pamela Cytrynbaum, Executive Director,
Chicago Innocence Center
In my life I have never had a presentation more powerful than Dr. Logan's. For students, there were so many important lessons that were shared that I will hold on to and remember for the rest of my life. I could honestly relate to a lot of the issues Dr. Logan struggled with as a college student. I struggle with the same feeling of being lost and confused when deciding on a major or how to create my career. So when Dr. Logan said, he did not want to graduate with "a full wallet and an empty heart and soul" I cannot put into words how powerful that quote was. To say that he has inspired me would be an understatement."
Tiffany Brooks, Student,
University of Southern California
Hearing the great story of Dr. Logan's journey was amazing and eye opening. It motivated me to stay in school and to think positive of life, and that life is a long learning experience. It gave me a wakeup call that I am not at the finish line until I have the diploma in my hands. I have one more semester to go till I graduate and this type of presentation keeps my eyes on the prize. Dr. Logan should present in high schools because it will keep the students head on straight and focused for success."
Daniel Leja, Student,
Northeastern Illinois University
When attending a Martin Luther King, Jr. assembly, it is par for the course to hear tales of courage and overcoming obstacles. However, Dr. Logan added another dimension to this experience in his presentation. The story of his own experience at university especially resonated with the students for two reasons: he talked honestly about his feelings when he was slapped in the face by injustice and he relates the struggle for equality to school. Every student has felt wronged at one time or another and Dr. Logan tapped into that personal experience to bring home the anger, the fear and the humiliation that discrimination leaves in its wake…
…After the assembly, I had jaded eighth graders googling Dr. Logan, excitedly discussing his performance and wishing he could fill the position of Head of School. They didn't just hear his message, they felt his message and identified with him and his story. He inspired in them the kind of empathy that moves mountains."
Lisa Kropp, Character Education Coordinator,
Quest Academy
Dr. Logan is a credit to our nation as well as humanity at large. We are better men to have had the chance to talk with him."
Wayne Metran & Fred George, hosts,
On The Street Live
Dr. Logan, was an excellent guest on my talk show, his knowledge and insight gave my
listeners a view from all sides that added to our conversation. I would invite Dr. Logan back anytime!"
Joe Wade Formicola,
WPTF- Raleigh – Durham North Carolina
Dr. Logan is inspiring and cheerful. In this land of diversity his dream can be shared by
all of us. Supporting him is supporting ourselves."
Junghae Lee,
Chicago Korean Radio Broadcasting Co. Chicago IL.
Dr. Logan offers insightful commentary in a most thoughtful and eloquent manner. His grasp of history, education and cultural context along with his measured and affable approach make him a valuable talk show guest. I look forward to his return visit."
Amy Beth Arkawy, Host/Producer,
The Amy Beth Arkawy Show, New York City


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Do your kids like feeding the ducks?
The Canal & River Trust have put together some useful tips on how to be duck-friendly!
You can find out about duck-friendly foods, find out six things you didn't know you could feed ducks, discover how to make use of your leftover loaf and even download a free duck activity guide.


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This is my first in a series of articles on dirty tricks in a Maryland Divorce. These articles ARE NOT intended to be black book recipes on how you can perpetrate dirty tricks on the other side in your pendente-lite alimony case. My purpose is to expose the potential dirty tricks to those parties who are uninitiated. As is often said, forewarned is forearmed.
I endeavored to explain and define pendente-lite alimony in a previous article "Pendente-Lite Alimony Defined." I described how it is perhaps the easiest form of alimony to obtain. Yet, it is also extremely short in duration. It is only during the pendency of your divorce case and rarely lasts more than a few months.
There are three types of alimony. In contrast to the other two forms of alimony, pendente-lite alimony takes little or no equitable factors into consideration. In crafting a decision regarding pendente-lite alimony, the judge is required to consider the boring factors of "need" versus "ability to pay."
That analysis is a stark contrast from the more subjective "equity based" factors which are examined in rehabilitative and/or indefinite alimony awards. Sadly, those "equity" factors often include the juicy photos of her with the pool boy and the photos of him from the private investigator posing as a cocktail waitress. You are just not allowed to present that stuff in a pendente-lite alimony hearing.
The Mechanics
The procedure to apply for pendente-lite alimony requires first that it be requested in a complaint or cross complaint for divorce. Maryland requires that a party requesting pendente-lite alimony file a "Financial Statement." That financial statement requirement attaches to both spouses. A party from whom pendente-lite alimony is requested must also file a financial statement with his/her answer.
A model form for the financial statement and other Circuit Court domestic relations forms can be obtained at the following link. https://www.courts.state.md.us/family/forms/index.html Please bear in mind that you will find there are two types of financial statement 1) the "short form" (DR30) and 2) the "long form" (DR31).
The short form is only acceptable in cases where the financial relief at issue is limited to child support. In cases where ANY type of alimony is being requested (including pendente-lite alimony) the long form is required.
The Financial Statement Game
Keep in mind again that the issues in a pendente-lite alimony decision are limited to need and ability to pay. It stands to reason therefore that the first and most frequent dirty trick people play is artificially inflating expenses and artificially deflating income on that financial statement.
Typical financial statements in a hotly contested pendente-lite hearing often indicate that both of the parties' expenses greatly exceed their respective monthly income. Almost everybody plays the game to some extent. Nevertheless, that sort of upside down budget just doesn't happen in the real world (unless you are the federal government)
As a consequence of these maneuverings, It often falls upon your attorney to point out to the judge how your financial statement is accurate. He will also show how the other party's financial statement is just a self serving farce.
Often judges don't need very much persuasion on this issue because the practice of number stuffing on financial statements is sadly typical. They have, no doubt, seen it before and will usually have a pretty jaundiced eye toward EVERYBODY's financial statement. Be warned!!
Pay Your "Ex" or Pay his/her "Ex"penses?
If you find yourself faced with divorce, many people would rather pay money to almost anyone other than their soon to be Ex. That mentality is just plain broken thinking. Even more so if there are children involved. Nevertheless, in a battle between what is right, versus what is real…let's just say: real often wins.
A spouse who is prepared to play "the long game" can strategically pay all or most of the expenses of the dependent spouse straight through the pendente-lite hearing only to drop paying those expenses immediately after the pendente-lite decision.
It goes like this: The wealthy spouse moves out, under whatever circumstances, but pays ALL the household expenses of the other spouse eg. rent, mortgage, car, insurance, daycare etc… When the pendente-lite hearing rolls around, there is no "need" for the dependent spouse and by paying all these expense, the financially dominant spouse shows he has no "ability to pay."
So, faced with those facts, the judge orders no pendente-lite alimony. Then the financially dominant spouse stops paying some, or all, of those expenses. If a spouse got ordered to pay pendente-lite alimony to the "Ex" and fails to pay up, he or she may be held in contempt and potentially incarcerated.
In contrast, if the financially dominant spouse wasn't "ordered" to pay those expenses they can't be held in contempt when, and if, they fail to meet those obligations. Smart? No!! Tricky? Yes!!
If you are faced with this situation and there is no pendente-lite alimony paid to you directly, INSIST that the dominant spouse be COURT ORDERED to stay current on those other expenses.
The Pension Game
Ok, so there has been a pendente-lite hearing and the judge said husband's income is more than he says he makes. She also determined his expenses are less that he really spends. Accordingly, the judge smacked him with a significant pendente-lite alimony obligation. What if she was wrong??? Judges are wrong, lawyers are wrong, anybody can be wrong! Right?
Now what? What if that husband pays the pendente-lite alimony (that he really can't afford) by giving blood, selling his baseball cards on ebay etc… Then by the time the final divorce date rolls around, what has happened? He just proved the wrong..to be right!! Right?
As a solution the husband in question may have to raid his 401K to pay the monthly alimony. Then he raids it again the next month…the next month…etc. Each month he hits that 401K to pay his "Ex" wife her pendente-lite alimony.
Here is the twist. Often the money in the 401K was acquired while they were married. With rare exception, when the final divorce rolls around, the court will order what's left in the account to be split 50/50 anyway.
So, in one fell swoop he has proven to the court that he could not afford to pay the alimony that he was ordered to pay in the first place AND he has paid the wife's alimony with her own money!!!!!!
The dirtiest part of this pendente-lite alimony trick, is that you may never know if it was a trick at all.
The Divorce Place
322 West Patrick Street
Frederick Maryland


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If hindsight is 20/20, then it's no less true for an at-home business you've owned for decades. Taking a look back, I certainly can now see things that I wish I knew when I had first started. Yes, those years of experience are what teach us the lessons along the way. But I've had a saying for a long time: Smart people learn from their own mistakes. But geniuses learn from the mistakes of others.
So I'm here to give you a head's up on lessons that took me a while to learn, but will only take you a few minutes… if you just read on. Here are five things I wish I had known when I first started my at-home business.
1) Support is crucial.
Don't believe the egos of business owners who claim to have pulled themselves — and their businesses — up by their own bootstraps. I'm here to tell you — it didn't happen that way. It never does. And I can say such a blanket statement with confidence, because there's always someone who helps someone else along the path of every area in life, including one's business. And if you know that going in, you won't fight it. Personally, I've always been the type who wants to be "independent" and stand on my own two feet. The reasons for that run pretty deep, and I won't bore you now with those details, but if people tried to help me when I was young, I consistently resisted. In my older age, I've come to realize that I couldn't have done anything I've done in my life without help, and over the last decade or so, I've gotten much better at letting people who want to help into my life.
For me, that support over the years came from my parents and other family members, including most recently my now-grown children; from my husband, who always believed in my efforts; from both co-workers and superiors when I was employed; from my teachers that I've had through my life-long education; from others who someway provide me with either a product or a service I needed to make my business better; and from those who offered me a referral, cut me a break, or gave me a chance to prove myself. Someone else is ALWAYS involved in your business in some way, shape, or form. I think the knowledge of this is quite humbling and produces a strong sense of gratitude. We business owners all have been blessed. The sooner we recognize it, the better.
2) Focus is everything.
Multitasking is a myth. Back in the 1980s, that was the big interview question: Can you multitask? And everyone would say yes. Of course, that was the answer employers wanted to hear.
But the correct answer was really no.
While I'm the queen of being "multi-passionate" and juggling several businesses at one time, I'm fully aware that I can only do one thing well at a time. What you focus on is what you will achieve. Everything else is just in the way.
So stop trying to do it all, and do just one thing well, one thing at a time, before you move on to the next thing.
2) Good people make success and growth easy.
When that support comes from good people, a business owner has it made. Good people are the backbone of your business.
How do I define good? They must have the right skills, sure. I'd say that's a given. But being good goes way beyond just being able to do the job well.
Good people have integrity. They are honest. They are trustworthy. They work hard and take pride in their work. They enjoy what they do.
They are service-driven. They think first about the client and what they can do to provide excellent service. When they make mistakes, they own them and take responsibilities for their actions.
When you have this sort of person providing you with services for your clients — you don't fear growth. You look forward to it. You can feel confident that your employees or subcontractors will not let you or your clients down.
4) Fear is the enemy.
Speaking of fear… it is and always will be the consistent, perpetual roadblock. Every time you fail to take action, you can bet your bottom dollar that fear is what held you back.
While I feel strongly against using clients as Guinea pigs without their knowledge, at the same time, I think it's good to push yourself through the challenge of a project in which your skills might be still developing. Better to try and do than to do nothing at all, simply out of fear of failure. Maybe you aren't yet the expert — but you'll never get to that level of expertise, if you don't start DOING.
Perfectionism is stifling. It will keep you in your place and you will never improve. Don't let fear of anything hold you back. You business can only grow if you take risks and extend yourself and your capabilities. Most likely, you'll be pleasantly surprised by how much you really can achieve.
5) Creating boundaries is essential.
Early in my career, I had a client who would call me on my home phone at all hours of the day — even into the evening. That was my own fault. I had a separate phone line for business, but I gave her the home line as well. And then I made the additional mistake of picking it up when it rang. Obviously, this was in the days before caller ID was a regular thing (yes, I know — I'm ancient).
The despite the fact that I'm old, the point remains the same. I needed to create a boundary between myself and this manager, or I would not be able to enjoy any personal "down" time with my family.
One time she called me right in the middle of dinner. I told her what was going on — that she called me during dinner time with my family. She just laughed and said, "Oh well! I guess that's the life of a freelancer."
No — it's not. That's the life of a pushover.
I stopped answering my home phone after 5 p.m. and forced her to leave a message. After a while, she stopped calling in the evening. I guess she got the picture.
From that time on, I became particularly good at drawing boundary lines — both physical and virtual. I work my own business at home NOT so I would be bothered at all times of the day by business clients. In fact, it's just the opposite! I work my own business so I have some control over my work life and career. I work my own business so that I can spend more time with my family, not less.
If you elect to be open 24/7, that's your choice. But for me — I have specific working hours that need to be respected. And when you draw boundaries, believe it or not, that time IS respected, because you've decided that it's worthy of that respect. Others will simply follow your lead. Creating boundaries is an area we as business owners must be bold about — otherwise, our clients will give your time as little respect as you do.
Some of these lessons came quickly to me. Some took a little longer. But if you can take them all to heart now, they can clear the path to a more enjoyable and success career at home.


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I've got a few more ideas on colour coordination and setting and'll probably work on those soon. While working with the bangles, I found a cool surprise, too - some of them are bendable! Experimenting with twists, bends and warps, I tried out some new shapes and ideas to make some really one-of-a-kind earrings! Take a look at these two bendy examples below!
I've listed these earrings on my Etsy shop to give them good homes - because I wanna share the wealth!
I'm off to sketch out more ideas!
Photography credit: Cassandra Watsham
Photography credit: Cassandra Watsham


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We know that millions of people are grieving with you over the July 25th death of your husband from pancreatic cancer at age 47, and I trust this outpouring has helped see you —through these tough days. On behalf of American Vision, let me extend our condolences and sympathy on your loss. You're flooded with mail and messages from near and far so I hope that, for now, you'll remember to refer to this letter again soon or at least later on when life begins returning to normal, which it surely will.
Randy spent his last months often being preoccupied by what was nearly worldwide attention; something he would gladly have foregone in favor of the happier alternative of a long and healthy life with family and friends. His weekly diary, beginning in the fall of 2006 at the time of diagnosis, his famous Carnegie-Mellon University "last lecture to students" in September 2007 ten months before his death, his memorable October 2007 appearance on the Oprah show (circulated widely by YouTube), interviews with ABC, 20/20, and the writing of his book, The Last Lecture, all taken together, summarize how busy he was during his last 22 months. His hope was that much of what he recorded during that time would become a legacy treasure for his three young children (six, three, and two). It's likely that, as teenagers and adults, their only memory of him will be what they'll experience via the tapes, videos, internet, and written word he's left behind.
He also shared his human reactions to what, sadly, was going to be a pre-announced death arriving way ahead of schedule. There would be no ideal scenario of "dying in bed at 95" for him. And, except for the cancer, he was clearly a very healthy person with good prospects for a long life as he proved by his strenuous biking and travel activities during the fall and winter of 2007 and 2008.
For now, however, whatever life-changing power Randy's recorded legacy to his children (and to the rest of us) holds remains to be seen. It's simply too early to know. But what we can grasp with assuredness, Mrs. Pausch—which is a bit ironic given Randy's fame as compared to your much more modest profile throughout all this—is the powerful legacy-leaving potential that you personally hold in your hands at this very moment. The potential to bestow a far greater inspirational impact even from what he hoped to bequeath to the world. First, I'm guessing that your financial future may well be brighter than it is for most widows, especially compared with the typical case of today's divorced mom with minimal alimony, several kids, and the absolute need to work full time. At least I hope that's the case. If so, the potential I mentioned will be more readily open to you. So, please let me remind you of a life plan strategy that the Bible and proven Christian truths suggest can be rewarding for the Pausch family.
Although Randy in his last days was relatively silent about the spiritual side of things, there's no doubt he was aware of and thinking about it. We all do, as thousands of written testimonies over the centuries verify; not just as we near death but throughout life. Being made by God and in His image, the spiritual is ever with us, urgently waiting to be addressed. It's through the spiritual that our eternal souls communicate with Him, our Maker. Some seem better able to grasp the meaning of this all-important life dimension more deeply and earlier than others and are able to integrate the spiritual realities more effectively. They're the lucky ones, as the Bible, especially as spelled out in Proverbs and the Psalms, vividly demonstrates. In fact, the homely but dynamic truth suggested in the full title of this article, "Only one life, 'twill soon be past. Only what's done for Christ will last," is the life truth I hope your children will be learning from you.
I'm suggesting two things that I hope you may already know. Although it's a tough time for you now, I'll be praying that you soon find a good church with a biblically-trained, Christ-dedicated pastor. One who offers more than twelve minutes of shallow Sunday personal-advice platitudes or "fire and life insurance salvation" slogans (if he even does that), often used as a synonym for "The Gospel." I hope you'll resist the lure of the "church growth," "seeker-friendly," "new-age/emergent" church movements. They offer a thin gruel, an imitation of the real thing. It will be spiritually unsatisfying for you. As your pastor, look for a church with a man having a zeal for advancing God's kingdom in an age where church pessimists think total societal moral collapse is inevitable. Do so on behalf of your very soon-to-be-adult children and on behalf of theirs—your grandkids.
Above all, take the increasingly accepted and exciting step of training your kids at home. Protect them from the public schools as if these failed monuments of brick and plastic were collapsing ruins, engulfed in flames with noxious gases spewing out to infect entire communities. Not only that, with Randy having suddenly "disappeared," all three, as adults, are apt to be haunted by the abandonment and rejection syndrome because such is the early interpretive way of kids. So other than normal outings away from home for assorted visits, etc., they need you now all the time more than ever. Kids possess no inborn DNA mechanism which signals them, at age four or five, that it's time to leave their homes to be institutionalized in government holding pens. Give them the caring security they need by becoming not just two parents, as you'll need to be, but also their loving, full-time mentor. It's what they want even though they can't express it.
Best of all, as you are enjoying teaching them to read (the key to much of your challenge) you'll also be able to integrate the fulfillment of your spiritual obligations. While at home with the reading, arithmetic, writing, the fun and the bonding, you'll also be able to tell them that death comes to us all and that the time to get ready for it is now. Doing so also happens to be the best way to get ready to live. Sharing this with them is the legacy of legacies you'll have a chance to impart because, in the end, it's not about mom, dad, their friends or their material acquisitions. It's about Christ; the Father, the Creator, the Reason. It's about advancing His kingdom for the greater good, not just of the Pausch kids, but for all of us. Only what's done for Him will last. Teach them that. Convince them of it. Help them discover their God-given gifts, skills and talents so that, marriage-wise, service-wise and vocation-wise these gifts can be put to best and happiest use.
If you re-marry, and why shouldn't you for your sake and for theirs?, I'll be praying you'll put this new person's readily seen Christian qualifications at the top of your priority list. The right man would also want you to have that same mindset. When you find each other your kids will be the grateful beneficiaries as will you. God bless you.


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Essential Oils For Empaths And Highly Sensitive People
The many benefits of essential oils for empaths and highly sensitive people. As a qualified aromatherapist for many years I take for granted how versatile essential oils. But after receiving a sample of doterra essential oils a few months ago, let's say I was completely gobsmacked. I realised these range of essential oils and aromatherapy blends were the perfect essential oils for empaths and HSP's.
As someone with chronic health challenges for 30 years. I use essential oils therapeutically as a replacement for so many things normally in one's medicine cabinet. But as someone who had started to be challenged by extreme noise, vibration and light sensitivity. Which would trigger a complex movement disorder, non epileptic seizures and balance problems. Life became quite challenging! Neurologists told me nothing could be done and any medication would cause further complications. So I would just have to accept my situation and learn to live with it.
Well when I started to use these very specific high vibrational essential oils. I couldn't believe how much physically stronger and boundaried I started to feel. Those of us who are more sensitive/empathic have a more sensitive central nervous system. And are energetically more vulnerable to environmental stressors- EMF's, noise, light, other people's emotions and physical pain.
I have lived with the rare neurological complications from suspected bacterial and viral complications for approx 30 years. And these essential oils and blends are really supporting me especially the On Guard Blend. Which instantly made me feel more energetically stronger and protected.
So What Are The Perfect Essential Oils For Emapths And HSP's?
Balance – The Ultimate Grounding Blend– A blend of Spruce, Ho Wood, Frankincense, Blue Tansy, and Blue Chamomile with Fractionated Coconut Oil. Empath's and hsp struggle to feel grounded. This can be added directly to the skin or added to a diffuser for car, home, office. Frankincense is deeply grounding and Spruce was used by the Native Americans fo various spiritual and medicinal purposes ( spruce tree regarded as sacred)
Frankincense – is deeply relaxing, calming very popular to assist meditation, deeply grounding. Also helpful in supporting healthy cellular function and great rejuvenetaor for the skin.
Melaleuca (Tea Tree) – is an extremely versatile oil for your home first aid kit. It is also anti-viral, anti-bacterial oil, that supports immune system. It is also useful at creating stronger boundaries
On Guard – Can help support your immune system. Can help strengthen your energetic field to create stronger resilience, stronger boundaries. Helpful to protect against environmental threats. Safe for use on countertops, as a non-toxic cleaner, or to purify the air though diffusion
Oregano –Very powerful for boundaries can help stop parasitic energy. Can assist with healthy digestion and supports healthy respiratory function. May help support a healthy immune system. Useful as a powerful cleansing and purifying agent.
Patchouli Essential Oil – Provides a grounding, balancing effect on emotions • Promotes a smooth, glowing complexion • Add to your daily moisturizer to help reduce the appearance of blemishes.
Purify –Protects against environmental threats such as EMF's and toxins. Can help clear the air and negative, stagnant energy in your home.
Sandalwood – another favourite of mine, deeply grounding, great for the skin. For those of us who tend to avoid or reject our masculine energy. This can be a great balancer, it can also be useful as a soothing rub on the chest or neck with chest and throat infections.
Serenity Restful Blend – can be a useful aid for those struggling with anxiety, stress, over thinking. It also can help you connect more with the self, connect with your own inner calm. So great aid for those of you who struggle to meditate, be still.
Whisper Blend For Women – a gorgeous blend of jasmine and ylang ylang ( I adore ylang ylang) pathchouli, vanilla, cinnamon and cocoa. Useful to support any unresolved issues you may have with your femininity, mother, grandmother or other close women figure in your life. Useful at helping ease unreleased anger.
Wild Orange – one of doterra's most popular oils, this has a gorgeous sweet scent. It is uplifting, energising and stimulating. Helpful when your feeling flat from other's negative emotions.
Ylang Ylang – I have always been a huge fan of ylang ylang which is known by some as the oil of the Inner Child. As an aromatherapist I would recommend to clients who suffered nightmares. I find it helps support you have a much more soothing sleep often with sweet dreams. It is also a reputed aphrodisiac.
Would LOVE To Learn More?
FREE Access To my
Essential Oils For Self Care Video & Webinar Series


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In this serious disease of the spinal cord, the so-called white matter gradually degenerates and produces symptoms due to this fact. It is caused by a deficiency of vitamin B12 (Cyanocobalamin), and is frequently associated with Pernicious Anemia. It is now seen much less often, probably due to the widespread use of the vitamin B complex in today's modern society.
Vitamin B12 is essential for the normal production of the blood, and its deficiency also leads to a fatal form of anemia if left untreated. However, as symptoms invariably lead to prompt diagnosis (on a blood count and examination of a "blood film" by the pathologist) treatment is always commenced early, so that advanced cases of the disease are now rarely encountered.
Subacute Combined Degeneration of the Spinal Cord Symptoms
These usually commence gradually, with numbness and tingling in the feet being a common set of initial symptoms. To a lesser extent this sensation may lingers. Sometimes the patient may complain of coldness or swelling in the feet, or feeling similar to stepping on cotton wool. Usually the sensory loss gradually extends to cover the "sock" area, and later on to the "stocking" area. Gradually the patient becomes insensitive to temperature and pain, and the sense of position. Unsteadiness in walking follows.
As the condition progresses, there is wasting of the muscles, usually those below the knee being affected first. These paralyzed muscles may become very painful and tender, and movement may be difficult and cause pain. Sometimes there is visual impairment, and mental changes may take place. Apathy, memory loss and confusion are common. Often routine blood tests will detect the anemia.
Subacute Combined Degeneration of the Spinal Cord Treatment
Treatment is usually successful and often spectacular, particularly in early cases, by the injection of vitamin B12 regularly. It is less successful in advanced cases, but any patient with this disorder should be treated vigorously with vitamin B12 therapy.
POST VIRAL SYNDROME Dealt with more fully under Upper Respiratory Tract Infections, post viral syndrome deserves mention here. It has been around for centuries, being well-known in the 1800s and early 1900s as "neurasthenia". Feeling tired and incapable of performing a normal day's work are the key symptoms. A check indicates this is followed by a simple bout of the flu. It may take days or weeks to become noticeable. Often swollen glands in the neck, armpits, groin and elsewhere occur. Before diagnosed, all other possible causes must be excluded by tests. It is a diagnosis of elimination and history. Fortunately, many patients gradually improve over a period of months or even years.
Occasionally it may persist and worsen, causing partial paralysis, a condition known as ME (Myalgic Encephalomyalgia). This is rare, with the patient in severe cases being confined to a wheelchair. Much research attention by major universities and teaching hospitals around the world is focused on the disease, its cause and treatment. Australia is in the forefront of research. At present, encouragement, adequate rest, exercise within a person's tolerance, sensible nutrition, probably vitamins are the mainstay of treatment. There is no specific drug or routine that is curative. Several self help organizations provide information, counseling and support for the various nerve-related disorders. Persons wishing to contact any of these self help organizations should check their local telephone directory for locations


text: MCPrison W… Editing MCPrison Wiki 0 You do not have permission to edit this page, for the following reason: This page has been protected to prevent editing. more + You can view and copy the source of this page: <mainpage-leftcolumn-start /> ==What is MCPrison?== MCPrison has 2 custom aquatic prison Realms | Medieval Themed realm | Cursed Themed Realm experience set in Minecraft version 1.15. Players are thrown into a custom built server with dedicated developers to bring you the best content they can produce! ==Introduction== When a player logs onto our server you'll first have to decide if you want to play with the fish. You'll have to mine your way through the ranks from A to Z. If you happen to overcome all of these obstacles, you have the option to ascend. Ascending (Prestiging) will give you great power. However, to do this is fairly costly; after each prestige the cost will grow exponentially. In order to afford this cost, it will require hours of dedication and perseverance. Ask yourself this...are you up to the task?__TOC__ == Server Ranks and Staff == ==== '''Pacific & Atlantic Server Ranks''' ==== All players will have access to these ranks. They will be assigned to you as you progress through the prison experience. Every player starts at A (Angelfish) rank and must '''/rankup''' in game to obtain the higher tiers. To see all these tiers type '''/ranks''' in game. Your rank determines how much you sell blocks for. It does not matter which mine you decide to spend your time in, you will always sell for the same amount (based on your rank.) Ranks are as follows: * '''Start:''' Angelfish * B: Barnacle * C: Coral * D: Dolphin * E: Eel * F: Flouder * G: Giant Squid * H: Hermit Crab * I: Ice Fish * J: Jellyfish * K: Krill * L: Lobster * M: Manatee * N: Narwhal * O: Octopus * P: Penguin * Q: Quillfish * R: Ray * S: Shark * T: Tuna * U: Unicorn Fish * V: Viper Fish * W: Walrus * X: Xray Fish * Y: Yellowfin Tuna * Z: Zebra Fish * '''End:''' Prestige 1+ ==== '''Server Donors''' ==== If you decide to support our server by purchasing a donor rank, you will be given an in game rank and title based on how much you donate. We currently have 6 donor ranks available for purchase on Pacific & Atlantic. We have a further 5 different ranks for Medieval and another 5 for Cursed. (For a full list of benefits and perks please visit our store @ http://buy.mcprison.com/) '''Pacific / Atlantic''' * '''Surfer''' ($10 USD) * '''Diver''' ($25 USD) * '''Sailor''' ($50 USD) * '''Captain''' ($100 USD) * '''Pirate''' ($150 USD) * '''Admiral''' ($285 USD) Tip: ''There is one in game rank not listed above which is reserved for content creators. If you see someone with the "Partner" rank, this is what it is from.'' ==== '''Server Staff''' ==== Server Staff are on the server for moderation, help, and safety. If you need assistance, these are your "go-to" people. There are currently 6 Staff positions. * '''Helper''' - General Assistance; mute + kick privileges * '''Mod''' - General Assistance; ban and unmute privileges * '''SrMod''' - Higher level assistance; ability to forcefully teleport to a player suspected of breaking rules, unban + vanish privileges * '''Admin''' - Higher level assistance; GMC 1/Creative permissions, ability to spawn certain items into the game * '''Manager''' - Highest level assistance; Operator permissions (ability to give/take permissions from other players) * '''Owner''' - Supreme assistance; Owner of the server, all permissions<nowiki/> == Pickaxes and Pickaxe Enchantments == ==== '''Starter Pickaxe''' ==== When you log onto the server, you will need to claim the member kit in order to get a pickaxe, to claim the kit you need to do "/kit." The name will keep changing based on the amount of blocks you break. Hovering over the pickaxe will show the enchantments and amount of blocks broken. This pickaxe cannot lose durability or break. If for some reason you lose your Omnitool, you can claim another one after 24 hours by doing "/kit." Pickaxes can now also be traded, be careful to who you trade your pickaxe with. Tip: ''The starter pickaxe is an equipped Omnitool. It will turn into a Shovel/Axe/Hoe when used on sand/wood/dirt.'' ==== '''Normal Enchantments''' ==== Every block mined on prison will give you an enchantment token. Use these enchantment tokens to upgrade your pickaxe. Type /enchant to access this menu. Be aware that each time you upgrade an enchantment, the token cost will increase. Normal/Basic enchants are as follows: * Efficiency - The speed at which blocks are mined. * Fortune - Chance to get multiple blocks from mining. * Explosive - Chance to mine an 8x8x8 area.. * Jackhammer - Chance to mine the whole layer of the mine. * Laser - Chance to mine a cross in your mine. * Jump - Gives you an extra boost when jumping. * Speed - Speed at which your character moves. * Haste - Speed at which your character breaks blocks. * Beaconator - Chance to give extra beacons. * EToken Master - Chance to give you 3000 ETokens. * Booster Finder - Chance to give you boosters. ''Tip: You can withdraw etokens with /withdrawetokens.'' ==== '''Prestige Enchantments''' ==== Each time a player prestiges, they will get a prestige token. Prestige tokens are used for prestige enchantments. All prestige pickaxe enchantments will show up light red when applied to your pickaxe. Prestige/God enchants are as follows: * Double Trouble - Chance to get multiple Etokens when mining. Chance increases per level. * Tsunami - Extremely low chance to mine out the entire mine. Chance increases per level. * Treasure Hunter - Extremely low chance to find Minecrates while mining. Chance increases per level. Tip: You cannot trade prestige tokens. They are account bound. == Backpacks and Backpack Enchantments == ==== '''Backpacks''' ==== When you log onto the server, you will start off with a 64 block capacity backpack. Hover over the backpack to see how many blocks it can store. When you mine, your blocks will automatically go into your backpack. Left-Click the backpack to check it's contents and Right-Click to withdraw these contents into your inventory. You can upgrade the backpack's capacity using enchantment tokens via /enchant or /etshop. ==== '''Backpack Enchantments''' ==== MCPrison offers the ability to enchant your backpack. Backpack enchantments can be applied just like pickaxe enchantments; with etokens via /enchant or /etshop. Backpack enchants are as follows: * Auto Sell - Automatically sells 100k blocks from your backpack every 8 seconds. Leveling this enchantment will increase the amount of blocks sold and the frequency. * Sell Multi - Multiplies the sell price of the blocks sold by auto sell by 1.001x. Leveling this enchantment will increase the multiplier == Realms/Private Mines == Every player obtains the free private mine given to them when they join Pacific | Atlantic | Cursed, We don't provide free Private mines on medieval, You can enjoy the 26 unique built a to z mines. they also have the option to purchase a private mine via our online store. If you decide to purchase a private mine, there are a lot of perks and benefits to be aware of. It will be your choice on whether or not you would like to open your realm up to others or just keep it to yourself. Realms and private mines are extremely customizable. You can build inside the realm, change the block type in the mine, and even edit your realm's welcome message. If you decide to buy a private mine, you will be able to unlock different themes for your private mine. Additional information is listed below. User Interface Menu (When you are outside of your realm and type /realm) * Open Portal - Open the portal to your realm/private mine. * Lock/Unlock - Ability to open/close your realm to the public. Default comes locked. * Whitelist - Allows a player to join your realm and mine even when it is locked to the public. * Blacklist - Ability to prevent someone from joining your realm indefinitely. * Edit - Edits the "welcome" description of the realm. (Shows up under the player's name on the realm over the physical portal block in game) User Interface Menu (When you are inside of your realm and type /realm) * Block Type - Ability to change the block type in your mine. You can only use the block types from general prison mines that you have unlocked. If you enjoy mining multiple block types, this is an option for private mines as well. * Mine Reset - Ability to reset your private mine. (This will teleport everyone to the mine's set spawn point) * Spawn Point - Ability to change your realm's spawn point. * Whitelist - Allows a player to join your realm and mine even when it is locked to the public. * Blacklist - Ability to prevent someone from joining your realm indefinitely. ''Tip: The default realm is a large bedrock box with a bedrock mine template inside. Use colorful blocks to build inside of your realm and decorate to your liking. (Or you can just leave it the way it comes. The choice is yours!)'' == Robots == ==== You can obtain robots by buying robot crates to obtain Iron, Gold, Diamond, Emerald robots, you can also obtain Obsidian robots by buying the monthly crates. Robots can be placed at your plots or at your private mine. To increase the speed of your robot, or how much you make you need to acquire beacons. ==== == Beacons == Beacons have been implemented for robots, you can upgrade your robots with beacons, you can mine beacons at /warp robot1 and /warp robot2, or you can also receive beacons in the market, or by buying them from other players. Commands: * /warp robot (Beacon Mine) * /beaconspay (Pay beacons to other players) * /beaconswithdraw (Withdraw beacons) == Global Boosters & Boosters == Global Boosters & Boosters are obtained through crates, minecrates and other stuff, global boosters will affect the whole server whereas boosters will affect just yourself. == Classes/Paths == ==== '''Introduction''' ==== Classes (or paths) function much like ones you would see in a general MMORPG video game. Players will chose a Class/Path when they log in and expect to level their chosen Class by playing the game. On MCPrison players will gain experience towards leveling their chosen Class from each block they mine. Each block broken is worth experience based on a player's current rank or prestige level. (Only the original block broken counts towards experience. Blocks broken by enchantments do not count.) The Exp it takes to level Classes increases by 50% every level. Players can chose to level more than one Class, with the ability to switch between them at will. However, you can only have the benefits from one class active at a time. Available Classes/Paths can be found below. ==== '''Buffing Miner''' ==== Buffing Miner Class has a focus of buffing yourself and those around you with short term buffs that progressively become better and better as you level up and earn talents. Class Benefits * Enchantment Token Buff - Increases the amount of etokens earned. * Sell Buff - Increases the amount of balance earned per block sold. * Pickaxe Buff - Increases the effectiveness of the enchantments on your pickaxe. Class Passives * Buffs stack together. ** Example: Player A procs a buff and then Player B procs a buff. They run separately, but the benefits are stacked and added to all players in a party. * Chance of buffing yourself and those around after every block you break. Signature Passive/Talent Buffs Overwhelming - Increases the effectiveness of all active buffs and their timers. * Chance of activating every time a class buff procs. * Levels up each time your class levels up. Does not require additional talent points. * Level ups increase the efficiency and length of active buffs. Path Talents * Buff Duration - Increases the amount of time a buff lasts. * Buff Strength - Increases the amount of power a buff has. * Buff Chance - Increases the chance of a buff happening. ==== '''Lucky Miner''' ==== Lucky Miner Class is focused around being lucky and having the chance to find lucky orbs, crates, and keys while mining. Class Benefits * Lucky Orbs - Orbs/Pouches filled with enchantment tokens and experience. * Lucky Crates - Better odds and the chance to find more rewards when finding lucky crates. Class Passive * Only class capable of finding lucky orbs while mining. Lucky crates are stronger with this class. Signature Passive/Talent Lucky Mining Spree - Increases your chances of finding lucky orbs/crates and your rewards. * Chance of activating after opening an orb or crate. * Levels up each time your class levels up. Does not require additional talent points. * Level ups increase your chances. Path Talents * Lucky Orbs - Increases your chance of finding a lucky orb. * Lucky Cra ''' ''' == Gangs and Benefits == Gangs mimic the same game design as guilds would, but are tailored to fit the prison theme. Anybody can form a prison gang to start earning unique benefits and rewards. Gangs can be customized by the following; * '''Gang Name''' - Change the name of your guild. * '''Gang Banner''' - Chance the /banner of your guild. * '''Gang Symbol/Tag''' - Leader of the guild has the ability to specify a 4-6 character tag that will show up next to any gang member that talks in chat. Symbol/Tag signifies what gang you are a part of. * '''Gang Ranks and Member Assignments''' - Ability to make custom ranks names and permissions within a guild. (Similar to Minecraft faction servers) To start earning benefits and rewards for owning/being in a gang, you must level the gang up. Every time a gang member breaks a block in a mine, they earn experience towards leveling up their gang. Each level will provide the gang with a talent point used to unlock new buffs/boosts. These buffs/boosts apply to every member of the gang. Once your gang reaches a certain level, the gang leader will be able to purchase a gang realm; fully equipped with a private gang mine! However, purchasing a gang realm is not cheap and will require a hefty number of talent points. All gang benefits and upgrades can be found below. * Gangs will level from 1-1000; gaining 1 talent point per level (only leader can spend gang talent points) Gang Talents * Gang slots increase gang's max member count (default: 10): ** '''Gang Slots 1''' - 10 members to 13 members ** '''Gang Slots 2''' - 13 members to 15 members ** '''Gang Slots 3''' - 15 members to 17 members ** '''Gang Slots 4''' - 17 members to 20 members (max) * '''Path Booster''' - Increases the amount of path Xp found for all members. * '''Etoken Booster''' - Increases the amount of enchantment tokens found for all members. * '''Money Booster''' - Increases the balance gained from selling blocks for all members. == Buffing Station == Next to each prison mine there will be a Buff Station. Players can spend experience they earn from mining on small 5 and 10 Minute buffs for sell prices, enchantment tokens, and more. Each block a player breaks while mining gives them a set amount of experience. Exp can also be earned from being in a party, or gained from Minecrate rewards.. == Minecrates == Players have a small chance to find lucky crates while mining that give the following items; * '''Experience Orbs''' - Give's Variable amount of Exp to be used on /Buffingstation * '''Enchantment Tokens''' - Gives Variable amount of Etokens * '''Boosters''' - Random 2x Etoken / Money / Path Boosters for 10 minutes ''Tip: Lucky Miner path has better odds and the chance to find more rewards when finding lucky crates. All Minecrates are tradable between players.''<nowiki/> == Log in Rewards == Players will gain log in rewards for every day in a row they log in. Log in rewards are shown like a calendar in-game and are accessible with the command '''/Daily'''. You have to manually click the correct box/day to check in. Much like daily quests, '''People who abuse our safeguards will be permanently removed from our server'''. Rewards are not based on the monthly calendar, but instead a calendar that goes for exactly 30 days. Rewards will get progressively better towards the end of the month and very good at 7 day consecutive log in milestones. == Additional Tips & Tricks == 1). Scoreboard (on the right-hand of your screen) shows; * Your current balance * Your current enchantment tokens * Your current rank * Your current prestige * Your rank-up progress * Your Class/Path ** Current Path ** Path level ** Path experience * Website IP 2. Ability to set your favorite '''/mine '''using '''/mines''' command 3). '''/Prestigemax''' to increase the maximum amount of prestige's you can afford 4). Blocks broken can be seen below your player name '''/bb''' 5). '''/warp '''or '''/warps''' to go to mines, pvp, crates, etc. 6). '''/lobby '''will bring you to the server hub (out of prison) 7). '''/ah '''-''' '''Extensive auction house with categories 8). '''/trade''' - Easy and trustworthy way of trading 9). '''/baltop''', '''/prestigetop''', '''/ettop''',''' /gangtop''' - Top players on the server 10). Player Homes ('''/home''') ~ Donor Feature ==== Website: http://www.mcprison.com/ ==== ==== Twitter: https://twitter.com/MCPrison ==== ==== Store: http://buy.mcprison.com/ ==== ==Latest activity== <activityfeed></activityfeed> <mainpage-endcolumn /> <mainpage-rightcolumn-start /> Photos and videos are a great way to add visuals to your wiki. Add one below! [[File:MCPrison.png|thumb|298px|right]] <mainpage-endcolumn /> Return to MCPrison Wiki. Retrieved from "https://mcprison.fandom.com/wiki/MCPrison_Wiki" Edit summary Preview Show changes


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Object Detection¶
Object detection will take an image and identify and label specific objects within the image. For a complex image with multiple objects in view, object detection will provide a bounding box around each detected object, as well as a label identifying the class to which the object belongs.
Object detection can be performed on an image using the
ObjectDetection class. The first step is to instantiate an
ObjectDetection object with the ID of the model to use. For
obj_detect = edgeiq.ObjectDetection("alwaysai/mobilenet_ssd")
If the model is not an object detection model, the instantiation will fail with
an error message indicating that the model can't be used. Next, call the
function to initialize the inference engine and accelerator.
Unless directly specified, the accelerator chosen will be the default for the
Engine. Now the object detector is ready.
Use the
function to detect objects in an image:
results = obj_detect.detect_objects(image, confidence_level=.5)
results object is of type
ObjectDetectionResults and contains
the duration of the inference, in seconds, and a list of predictions. Each
prediction is of type
ObjectDetectionPrediction and contains the
coordinates of a box around the object, the confidence, the label, and the
index of the label in the master label list of the model for
cross-referencing with that list.
It can be useful to visualize the detections. The image can be marked with
the results of the detection using the
new_image = edgeiq.markup_image(image, object_detection_predictions)
markup_image() function takes as its input an
image (the one used for object detection) and a list of
ObjectDetectionPrediction objects and draws the bounding boxes and
labels on the image. Head to the Understanding the Results Objects section
to learn more about how the results objects can be used.


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Dragon Ball Dress Up
admin 16 Apr , 2019 0
Loading ... Game loaded, click here to start the game!
Dress up Goku in this fun dress up game.
Remember to be creative and dress up Goku in any style and manner you like as a Super Saiyan, a majinn or even a Namekian, .


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- Default landing page DO NOT DELETE
- Home
- Account
- Browse
- Hours & Locations
- Events
- Research
- Services
- About
If you like word searches, dot-to-dots, crossword puzzles, jigsaw puzzles, brain-teasers, etc., then stop on in!
We will have a variety of puzzles on hand, or feel free to bring your own. Refreshments will be served. Large groups (of three or more), please register in advance with the number of attendees, so we can ensure seating accommodations.
AGE GROUP: | Adults |
EVENT TYPE: | Games & Gaming |
TAGS: | word searches | puzzles | jigsaw | dot-to-dots | crosswords |
|Mon, Sep 14
|10:00AM to 8:00PM
|Tue, Sep 15
|10:00AM to 8:00PM
|Wed, Sep 16
|10:00AM to 8:00PM
|Thu, Sep 17
|10:00AM to 8:00PM
|Fri, Sep 18
|12:00PM to 6:00PM
|Sat, Sep 19
|10:00AM to 5:00PM
|Sun, Sep 20
If you've found the historic Goodyear sign at the corner of East Market Street and Goodyear Boulevard, you've arrived at the Goodyear Branch Library. The library honors its past with its two 1939 fireplaces, cozy window seats, and artwork by local artists celebrating flight, motion, and the community's aeronautic roots. The library serves its customers very much in the present, with computers and computer classes, WiFi, scanning and faxing, engaging programming for all ages, and a collection of books, movies, and music that is sure to appeal to a great variety of reading, viewing, and listening tastes.
The Goodyear Branch Library is a community gathering place for local non-profit organizations and Ward Council meetings. Goodyear Branch staff can be found out and about at local events and in preschool, elementary, middle, and high schools bringing news of library events and sharing story and library how-to. With redevelopment in the community's horizon, Goodyear Branch Library remains a community anchor, continuing the tradition of responsive service to all.


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Nice n easy
Having now 10 years of presence in Kolonaki, nice n easy continues to be the coffee-gourmet restaurant which first introduced the term "farm to table" to the gastronomic scene in Athens.
Foodies keep it at the top of their preferences as the ultimate destination for delicious and healthy cuisine with Greek and ethnic touches.
All dishes are made from fresh, pure, seasonal organic ingredients from the best small producers in Greece. On the menu we find listed the place of origin of the raw materials as well as the calories along with the nutritional value of each dish.
The dishes, apart from the fact that are made of excellent ingredients and high-nutritional materials, pleasantly surprise visitors with the popular signature dishes named after famous Hollywood stars.
A new menu is being prepared for this summer with new delicious dishes, renewed favorites, new healthy and vegeterian options, superfoods and gluten-free ingredients.
While relaxing with jazz music choices in a stunning Hollywood setting, you can choose from a full and updated wine list of organic, Greek and international labels. Two Thursdays a month, Sax Thursdays take place at nice n easy in Kolonaki on Omirou pedestrian street with saxophones, jazz atmosphere and mood.
Daily: 09;00-01:30
60, Omirou & Skoufa str., Klonaki, T. 210 3617201


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Traveling Luck for Vlasenje Republika Srpska, Bosnia and Herzegovina
The timezone in Vlasenje is Europe/Sarajevo
Morning Sunrise at 05:30 and Evening Sunset at 17:39. It's light
Rough GPS position Latitude. 43.7761°, Longitude. 19.2581°
Morning Sunrise at 05:30 and Evening Sunset at 17:39. It's light
Rough GPS position Latitude. 43.7761°, Longitude. 19.2581°
Weather near Vlasenje Last report from Sarajevo, 87.8km awayTemperature: 15°C / 59°F
Wind: 1.2km/h
Cloud: Scattered at 5000ft
Satellite map of Vlasenje and it's surroudings...
Geographic features & Photographs around Vlasenje in Republika Srpska, Bosnia and Herzegovina
destroyed populated place a village, town or city destroyed by a natural disaster, or by war.
populated place a city, town, village, or other agglomeration of buildings where people live and work.
- Kozar (1.9km)
- Nezuci (2.4km)
- Donja Lijeska (2.5km)
- Osojnica (3.1km)
- Crnča (3.2km)
- Donji Kočarim (3.4km)
- Stupa (3.5km)
- Gornji Kočarim (3.9km)
- Ban Polje (3.9km)
- Višegrad (4km)
- Šeganje (4.1km)
- Pijavice (4.3km)
- Dubočica (4.5km)
- Kosovo Polje (4.6km)
- Omar (4.6km)
- Garče (4.9km)
stream a body of running water moving to a lower level in a channel on land.
mountain an elevation standing high above the surrounding area with small summit area, steep slopes and local relief of 300m or more.
populated locality an area similar to a locality but with a small group of dwellings or other buildings.
- Orahovci (2.9km)
- Dušče (3.2km)
- Gornja Lijeska (3.2km)
- Crni Vrh (5.2km)
peak a pointed elevation atop a mountain, ridge, or other hypsographic feature.
hill a rounded elevation of limited extent rising above the surrounding land with local relief of less than 300m.
depression(s) a low area surrounded by higher land and usually characterized by interior drainage.
- Šešare (3.7km)
railroad station a facility comprising ticket office, platforms, etc. for loading and unloading train passengers and freight.
- Železnička Stanica )) (( Šip (3.8km)
spring(s) a place where ground water flows naturally out of the ground.
- Vukovrat (2.2km)
intermittent stream a water course which dries up in the dry season.
- Trnovaca (3.4km)
locality a minor area or place of unspecified or mixed character and indefinite boundaries.
- Ripeta (2.6km)
pond a small standing waterbody.
- Jezero (2.9km)
cliff(s) a high, steep to perpendicular slope overlooking a waterbody or lower area.
- Bulkove Stene (2.2km)
Wikipedia entries close to Vlasenje
- Višegrad city o city
- Drinabrücke (Višegrad) landmark landmark
- Rudo city o city
- Küstendorf city o city
- Mokra Gora city m city
- Rogatica city o city
- Žepa city o city
- Goražde city h city
- Čajniče city o city
- Extreme points of Montenegro
- Srebrenica city i city
- Užice-Ponikve Airport airport airport
- Han Pijesak city o city
- Milići adm2nd adm2nd
- Bratunac city i city
- Pljevlja city i city
Airports close to VlasenjeSarajevo(SJJ), Sarajevo, Bosnia-hercegovina (87.8km)
Mostar(OMO), Mostar, Bosnia-hercegovina (149km)
Beograd(BEG), Beograd, Yugoslavia (167.3km)
Dubrovnik(DBV), Dubrovnik, Croatia (185.5km)
Podgorica(TGD), Podgorica, Yugoslavia (185.9km)


text: Just thought I'd share what I did for maintenence on my tow vehicle. Only one sled left so will continue to use my Grand Cherokee. It only a 3.7, but very capable. I've been having problems with very slow leaks in various hoses. I also had a rusty oil pan I've been meaning to get to for a couple years now, but it wasn't leaking so i thought I'd wait. Well,the time had come. I ordered about $500 in parts and fluids. I figure i saved about a grand minimum. Here's the old oil pan the new one I purchased 3yrs ago pic of the crank 138000mi. transmission lines replaced. Here's the old one fluid and filter also done


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Virginie Efira stars in the third film from France's Justine Triet, closing Cannes Competition for 2019
Dir/scr: Justine Triet. France. 2019. 141 mins.
Sibyl, as one reading of the title would indicate, is a many-faceted woman. For her follow-up to In Bed With Victoria, writer/director Justine Triet casts Virginie Efira again as a superficially-sophisticated Parisienne with a full-Vuitton set of personal baggage. It's a digestible film, with an attractive cast which also includes Adele Exarchopoulos, Gaspard Ulliel and Sandra Huller and a side-trip to a film set in Stromboli for some sweet location imagery. But Sibyl is far less than the sum of its parts, and never manages to shake off a heavy tone which consistently threatens to capsize even the rare funny interludes.
Triet's performance of the drunkest woman alive at the premiere party is certainly a sight to behold
Premiering as the last film in Competition at Cannes, Triet's third feature may be exportable to Francophile territories, mainly due to that cast (it opens shortly in France). But, although pleasant, it lacks the dynamism to drive new audiences to Triet and …Victoria fans may well be disappointed. Efira again dominates a film which is totally reliant on her performance, and Triet asks a lot of her actor when it comes to the many faces of Sibyl, both past and present.
Trouble is in the air in the very opening sequence, when Sibyl tells her former publisher that after 10 years as a psychoanalyst, she has decided to pursue full-time writing again. She hasn't yet shared this news with her long-suffering partner Etienne, but Paul Hamy is more part of the interior décor of her glowing, handsome, candlelit Paris apartment than a real person. She starts to cancel her clients, but when an insistent call comes through from a desperate actress seeking counsel, Sibyl can't resist following up. Soon, she's breaking all the boundaries of her profession by taping her sessions with Margot (Exarchopoulos), who is pregnant by her co-star Igor (Gaspard Ulliel) and wants an abortion. Igor, meanwhile, is in a relationship with the film's German director Mika (Sandra Huller).
Before you know it, Sibyl is on set in Stromboli, intimately involved with all the cast and crew and writing a novel based on all of it. A former alcoholic, she constantly flashes back to drunken sexual encounters with her best friend Gabriel (Niels Schneider) which resulted in a pregnancy, much like Margot's current situation. There are deeply ominous overtones to these, as if they will hold some key to Sibyl's torment. Her own shrink keeps asking, 'are you ready to talk about Gabriel yet?'. This element of the plotting is somewhat over-played.
Confusingly, in the hazy flashbacks – Triet makes much use of torrential rain for Paris exteriors and soft interior lighting alongside warm velvet furnishings – Gabriel looks a lot like Etienne. There's also mention of an alcoholic mother. Sibyl's sister Edith (Laure Calamy) lives with Sibyl and Etienne as some sort of childminder, and although it becomes clear that the oldest daughter belongs to Gabriel, the poor second child gets short shrift. It would probably be vulgar to wonder where the money comes from to support all this in the light of Sibyl's rash decision to give up paying work, but perhaps Etienne is loaded.
By far the most entertaining sequences take place in Stromboli, where Sibyl gets stuck between two monstrous actors and a neurotic director. It can never end well, but Triet's performance of the drunkest woman alive at the premiere party is certainly a sight to behold. Production values are strong and steady, unlike those in the film-within-the-film, which presumably and enjoyably have the ring of real-life authenticity.
Production company: Les Films Pelleas
International sales: MK2
Producers: David Thion, Philippe Martin
Screenplay: Justine Triet
Cinematography: Simon Beaufils
Production design: Toma Baqueni
Editing: Larent Senechal
Main cast: Virginie Efira, Adele Exarchopoulos, Gaspard Ulliel, Sandra Huller, Laure Calamy, Nils Schneider, Paul Hamy, Arthur Harari


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[Giveaway] iGreetingCard for Windows
iGreetingCard is an e-cards (electronic greeting cards) making application to help you create stunning greeting cards. With iGreetingCard, you will find it's an easy yet funny job to turn any normal photo into a prominent artwork. Neither a professional designer nor a complicated designed work is required; you can simply make beautiful greeting cards. You just need to pick a greeting layout from a great selection of templates, add your photos and customize greeting cards with individual effects. With only several clicks, a beautiful greeting card is finished.
Sent out your brilliant greeting cards to convey thanks or express an emotion of friendship or heartfelt blessing, telling friends or your family you miss them and expressing your love on special days and special occasions. Do it right now!
[Giveaway] iGreetingCard for Windows
Category: Freebies, Giveaways and contests


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Looking for a great friend!
I am a fairly well rounded person, honest and kind, fairly attractive, got a pretty good sense of humor. Don't want any drama or crazy!! and I am not a freak or poser (which most seem to be on here). I am dependable and ...read more


text:
John Decker
John Decker
Vice President & Commercial Loan Officer
- Phone
- 508.884.3377
- jdecker at bridgewatersavings dot com
John Decker has over 29 years of experience in the banking industry and building strong relationships with his customers. His experience has equipped him with a deep understanding of the banking industry, and helped him develop impeccable relationship management skills. Prior to joining Bridgewater Savings, John worked at Dedham Institution for Savings as Vice President Commercial Lending. John partners with his clients to help them meet their business banking needs. John received a Bachelor of Arts degree from Syracuse University and currently resides in Lakeville, Massachusetts. He is a board member of the Neponset Valley Chamber of Commerce and volunteers with the School to Careers Partnership.
See how we've helped others!
Business Acquisition Funding
Lakeville, MA
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Taunton, MA
Working Capital Line of Credit
New Bedford, MA