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Winnipeg Free Press - ONLINE EDITION
Make wise use of that valuable tax refund
MANY of the Canadians who file their tax returns by next Tuesday will be receiving refunds. Many have received them already.
As a financial adviser, this always disturbs me slightly. Those people have provided an interest- free loan to the government since the money was either withheld from their regular paycheques, through other withholdings, or sent to the government as quarterly instalments.
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In theory, that money could have been used more profitably by the taxpayer through the year. If the person owes money on credit cards or consumer loans, those tax withholdings might have been reduced and those tax dollars used to save interest costs, if it is clear a refund is going to be produced. But the practical adviser in me knows many people prefer a refund to a balance owing, and the extra income tax withholdings really act as a forced savings plan, accumulating money that would likely be squandered if only received in small amounts through the year.
So, today's column has two purposes — to encourage you to make the very best use of any refund you are receiving, and to also consider how you might improve your financial situation more by keeping your chips on your side of the table longer, by putting them to work for you throughout the year.
Let's talk about that refund.
The first priority should be any high-interest debts, such as outstanding credit card balances. Interest rates of 18 per cent or higher are still not unusual for credit cards, even in today's low-interest-rate environment. Paying that much non-deductible interest is senseless, so these debts have to be attacked first, either with the tax refund or any other source of extra cash. Make such debts your first priority.
The next choice is likely any debts that are charging interest well above the expected rate of return on investments. By this, I mean loans at six to eight per cent or higher. (As part of this analysis process, of course, also look for ways to renegotiate those high-interest-rate debts or credit cards into a low-interest line of credit.) When you get to debts that are manageable and have interest rates close to prime, or mortgages in the range of three per cent or four per cent, the alternatives such as RRSP contributions become very attractive.
Using your tax refund for an RRSP is an awesome idea, depending on your income tax rate. If your taxable income is $45,000 or higher, then your marginal tax rate will be 35 per cent or higher.
This means each $1,000 contributed to an RRSP will save you $300 or more in taxes when you file next year's tax return, and you will have the entire contribution amount invested and earning toward your retirement.
If you have kids, another way to get more money back from the government is to make a contribution to an RESP, a registered education savings plan. The first $2,500 per year contributed per eligible child will result in a 20 per cent government grant, deposited into the RESP and added to the money growing for future education expenses.
For people whose finances are in great shape and the tax refund is really a bonus, then definitely consider using some of it for a splurge, like next year's winter vacation. (But you probably already thought of that, if you are that well-organized.) Now, let's look at how you can accomplish those strategies more effectively — and sooner — by paying the feds less money throughout the year.
If you're paying quarterly tax instalments, you can pay less than requested. However, this runs a risk, because if you end up miscalculating and owing tax at filing time next year, you will pay both interest and penalties. This is not worth it, so only underpay your instalments if you know you will have a refund by paying them. This could happen if you have had an unusually high-income year, resulting in a request for instalments that is not accurately based on the current year's income.
With paycheque withholdings, you can file a CRA form T1213, Request for Reduction of Withholdings at Source. On this, you provide your expected income and deductions, which could be for RRSP or pension contributions, employment expenses, alimony or deductible interest on investment loans, among other things.
If the CRA agrees you qualify for smaller tax withholding amounts, they will authorize your payroll officer to reduce these.
Dollars and Sense is meant as an introduction to this topic and should not in any way be construed as a replacement for personalized professional advice. David Christianson, BA, CFP, R.F.P., TEP, is a financial planner, adviser and vicepresident with National Bank Financial Wealth Management and author of the book Managing the Bull, A No-Nonsense Guide to Personal Finance.
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Welcome to PHILLIPS CATTLE COMPANY!
Videos will be available in December
What a Great 2014 Show Season for Phillips Cattle Company!
Congrats to all of the exhibitors!
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text: Pham Van Resume - CV Pham Van E-Commerce Assistant Jobs Pham Van Resume E Assistants Job Target Talent Type: General Job available date: any job type: full-time work Experience: 2 years Apply ESSENTIAL FUNCTIONS: Computer Class | Procurement | Marketing Management Job Title: E-Commerce | Purchasing Assistant | Sales Assistant salary demands :1500 - 2000 Title: Senior hope that the work area: Guangdong Province Foshan City, Guangdong Province, Foshan work Experience 008-09-08 to 2009-05-22 measured Electronics Co., Ltd. Foshan prospective e-commerce Assistant Job Description: 1, responsible for network sales promotion, trade site registration. 2 online to find customers, and products and customers (instrument) exchange of knowledge, through the instrument to determine technical parameters, however further consultation price (offer before a customer will need to grasp the degree of a price instrument grasp first will be to understand the instrument's market price, further quotes) to promote a successful transaction. 3, find new customers and old customers to maintain. 4, online to find suppliers. 5, distributors of information to find and collect. 6, to help facilitate the trade salesman. 007-08-29 to 2008-07-18 Luk Hop Information Technology Co., Ltd. Xi'an, telephone marketing, Job Description: Web to find the target customers, and record customer information, then call communication with customers, so that customers interested in our products and allow customers to find the product useful for his development of the company, then about customer interviews. In sales of electronic business card. Therefore, knowledge of the network have a certain understanding, those who are familiar with search engine rankings, or have Baidu, Google Alibaba, HC knowledge 007-06-20 to 2007-08-20 Xi'an market research firm deep blue , market research analyst, job description: The principal thing, for the questionnaire simulation, and then conduct a market survey to analyze the survey results the highest academic educational background: Associate degree The Professional Category: Management University: College of West Peihua Professional Name: Marketing Graduation Date :2008-7 second-professional categories: Computer Class Work Experience: 2 years professional title: education / training experience 2005-09-01 to 2008-07-18 West Peihua University language skills Foreign Language: English Mandarin level: fluent English level: Good Cantonese: general familiar with windows operating system the ability to work, skilled use of office, excel and other office software applications, familiar with the Internet sales of a variety of processes, good telephone marketing and Internet sales of a variety of skills, familiar with Alibaba, Taobao, the operation flow, good find new customers and old customers to maintain. [This article from [worry document] www.5udoc.com collection and sorting, to thank the original author] / center>


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This week we spotlight the pop/rock band, Neon Trees. Plus, we talk to author Eric Metaxas, share with you our Christmas list, recap the week's news and entertainment and more. This episode is sponsored by Stamps.com.
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Slices | Dec 28, 2011
A group of Roman Catholic Bishops in Illinois is protesting a legal change that makes it illegal for any Catholic charity to refuse to grant same-sex couples adoption rights. After the jump, read some of our thoughts and weigh in with yours ...
1. What do you think? Are the bishops right in asserting that if Catholic charities don't help, then people will suffer so they ought to be allowed to continue? Or is the state right in asserting it is illegal for any organization receiving state money to discriminate based on a state-approved relationship (same-sex civil unions are legal in Illinois)?
Do you think there is a possible compromise?
It seems most of the argument boils down to the source of the funding. Do you think Christians can support charities like foster homes to the extent that there could be large, socially-encompassing organizations completely independent of government aid?
How should Christians navigate between helping every type of person and staying true to their convictions?


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A mini mouse that loves wrist action
Motion-sensing firm Movea has launched a mouse that controls your PC with a flick of your wrist and doesn't need a desktop to work. The Air Mouse uses a technology called MotionSense, which acts a little like the Wii's controllers to let users, say, launch an application or fast-forward through a film by flicking the mouse in …
This topic is closed for new posts.
Not bad
I don't think this is going to be as easy to use in the air as Logitech's Air mouse because of it's design, but it's at least more portable and better as a normal mouse.
We love our Logitech's here though ;-)
This topic is closed for new posts.
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You really do get what you pay for. However, I didn't know I was paying for the bedbugs too. If I were you, I'd take the mold and smell as a sign to run to one of the other hotels. Just pay a little extra for a cleaner and friendlier environment.
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text: Kickin' Cancer View full-size image < previous next > Is this photo a winner? "My team name is Kickin' Cancer. The event took place in Collinsville, IL The event was Relay for Life. All proceeds went to the American Cancer Society thru our Relay for Life team. " - Gina (Jun 06, 2012) Share this photo on: Twitter Facebook Pinterest Similar Photos: american cancer society | charity | fundraising | il | participant teams | relay for life | collinsville | orange | soccer Feeling inspired? Visit the CustomInk Design Lab to start your own group order. Design Your Own


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Week 14 NFL broadcast maps
Cold, Hard Football Facts for Dec 05, 2007
Our weekly look at the colorful collage of NFL broadcasts, courtesy of the fine folks from the506.com.
Here's a nifty looking little broadcast map, with the northern and southern tier of the country being fed the Oakland-Green Bay game while the middle of the country, along with the Northeast, get San Diego-Tennessee. Oakland-Green Bay also gets the network's No. 2 crew of Greg Gumbel-Dan Dierdorf in what is probably the most widely distributed Raiders game in years. A small group of folks in local markets get to watch the Dolphins fall to 0-13 in Buffalo.
Pittsburgh-New England naturally draws the widest distribution of any game this week, along with the network's No. 1 crew of Jim Nantz-Phil Simms. The bulk of the Plains states get Kansas City-Denver, while local markets (including some areas just north of Pittsburgh within the Cleveland sphere of influence) get Browns-Jets.
The network's No. 1 crew of Joe Buck-Troy Aikman should earn a paycheck from the Cowboys, because it seems like they're with Dallas for Fox's top broadcast every week. About half the country will get Dallas-Detroit, while the rest of the country is hodge-podge of six other games in two time slots. Houston-Tampa is limited to local markets, while Giants-Eagles draws Fox's No. 2 crew of Albert-Johnson-Siragusa and will be seen across the major Northeastern markets.
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Saints Row: The Third - The Trouble With Clones Questions for PC - WindowsHome / PC - Windows /
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- Genre: Action Adventure Modern
- Release Date: Mar 20, 2012
- ESRB: Mature
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EASTON Maple Fungo Bat
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Ready for fielding practice, the EASTON® A110196 MLF6 maple fungo bat is specially designed to hit ground balls and fly balls consistently. The cupped-end design delivers a lower swing weight.
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My father was born Henry Edward Fick on the 4/5 of July 1920 in West New York, New Jersey and his mother's name was Marion O'Connell. I don't know where to start to look for his line and would appreciate any help. He later changed his name to Edward James Fick for what reason I don't know.Thanx
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The latest stories from the Tennis section of the BBC Sport web site.
Will the International Premier Tennis League take its toll on players, or is it good for the sport, asks Russell Fuller.
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All Schools
(9) All Schools
(9) High Schools
(6) High Schools
(6) Elementary Schools
(8) Elementary Schools
(8) Preschools
(4) Preschools
(4) Public Schools
(14) Public Schools
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There are 9 private schools in zipcode 30052, GA, serving 1,786 students.
Minority enrollment is 25% of the student body, which is more than the GA state average of 22%.
The student:teacher ratio of 11:1 is higher than the state private school average of 9:1.
30052, Georgia Private Schools
- School Location Students Grades
LoganvilleBright Beginnings Preschool
680 Tom Brewer Rd
Loganville, GA, 30052
(770)466-2770Daycare / Preschool (Baptist)18 students | Gr. PK-KG
LoganvilleCorinth Christian Preschool & Primary1635 Highway 81
Loganville, GA, 30052(Christian)n/a students | Gr. K-3
LoganvilleCovenant Christian Academy
3425 Loganville Highway, SW
Loganville, GA, 30052
(770)466-7890(Christian)339 students | Gr. PK-12
LoganvilleFaith Academy
2571 Highway 78
Loganville, GA, 30052
(770)466-7872Alternative School (Baptist)469 students | Gr. 9-12
LoganvilleGwinnett Christian Academy
3156 Langley Road
Loganville, GA, 30052
(770)982-3773(Christian)45 students | Gr. K-12
LoganvilleIntegrity Christian Academy781 Athens Hwy
Loganville, GA, 30052
(770)554-0909Special Program Emphasis (Christian)103 students | Gr. K-11
LoganvilleLoganville Christian Academy
2575 Highway 81
Loganville, GA, 30052
(770)554-9888(Christian)574 students | Gr. PK-12
LoganvilleTrinity Christian Academy
512 Hodges St
Loganville, GA, 30052
(770)466-0057(Christian)80 students | Gr. K-6
LoganvilleVictory Baptist School
88 Brand Road SE
Loganville, GA, 30052
(770)466-4074(Baptist)158 students | Gr. PK-10
Zipcode Statistics
|About This Zipcode (30052)
|Zipcode Statistics
|(GA) State Statistics
|Population (Approximate)
|59,451 people
|9,431,284 people
|Age 25+ w/College Degree
|Median Household Income
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Buff Bagwell
Real Name
Marcus Bagwell
Date of Birth
January 10, 1970
Place of Birth
Since he made an appearance on Monday Night Raw and worked a segment with Alexander Rusev, speculation has run wild that the Rock will be wrestling a match at Wrestlemania 31. As of right now, that seems highly unlikely, as the former world heavyweight championship has signed on for several movies over the next year. The studios are also said to be against the idea of him risking injuries in a wrestling ring again.
October 9, 2014
With Night of Champions 2014 being a crucial pay per view in terms of drawing in WWE Network subscribers, management is going to be stacking the deck a bit. They knew that they needed their two biggest draws in the main event. That's why it has now been officially announced that John Cena has activated his rematch clause against Brock Lesnar, and the two will tangle again for the world heavyweight championship.
August 20, 2014
It will be interesting to see how WWE handles the promotion of the world heavyweight championship over the next few weeks. Brock Lesnar is not scheduled to be back on television for approximately a month. John Cena, who is returning next week, is expected to get his rematch story line. Paul Heyman is great at what he does, but management will be curious to see how the audience reacts to a missing champion.
August 19, 2014
For those of you that missed Monday Night Raw this week, Brock Lesnar made his much anticipated return to WWE and challenged John Cena at Summerslam 2014 for the world heavyweight championship. The story is that Paul Heyman convinced Triple H to go with Plan C because it was the best chance at getting the strap away from Cena.
July 22, 2014
Rumors are floating around that the segment on Monday Night Raw between John Cena and Ric Flair was a subtle way for WWE to retire the world heavyweight championship belt. For those that missed it, Cena handed the belt over to Flair and told the legendary performer to keep it. WWE has not released an official statement on the matter yet, so fans will be tuning in to Smackdown and WWE Battleground 2014 to see the fate of the belt.
July 15, 2014
Prior to his injury, there were plans in place to have MVP winning the TNA World Heavyweight Championship from Eric Young. Since the company needed a heel champion to be the antagonist against Kurt Angle and his new on screen authority role, the belt went to Bobby Lashley instead. There are talks that TNA could try to figure out how to transfer the belt over to MVP soon.
July 5, 2014
Based on all the moves that they have been making as of late, it seems that Dixie Carter and her company are hellbent on generating big numbers at these upcoming shows in New York City. TNA just announced that Jeff Hardy will be challenging Bobby Lashley for the world heavyweight championship at one of the shows. Both guys have name value thanks to their time in WWE.
June 21, 2014
A big reason why Bobby Lashley was given the TNA World Heavyweight Championship this week is because he is viewed as a marketing asset. The company immediately sent out a press release to inform them that Lashley had become the new champion. TNA is touting his accomplishments as a collegiate athlete, military personnel, mixed martial arts and professional wrestling to the media.
June 20, 2014
Rumors going around right now has WWE giving the world heavyweight championship to a heel at Money in the Bank 2014. The belief is that the company will set someone up to feud with John Cena and Daniel Bryan over the next few months. Antonio Cesaro has been rumored for a few weeks now, but some are skeptical of that because he hasn't been given a ton of momentum by WWE. Management will either hot shot the belt to Bray Wyatt or go with the safe route in Randy Orton.
June 16, 2014
Since MVP has a badly injured knee, TNA decided to change up the main event of Slammiversary 2014. Eric Young will still be defending the world heavyweight championship in a steel cage at the event, but he's now going to be doing so against two opponents. The winners of the respective matches between Samoa Joe, Bobby Lashley, Kenny King and Austin Aries will be challenging Young for the belt.
June 13, 2014
During a recent podcast interview with Chris Jericho, MVP revealed that he was going to try to fight through the knee injury and work Slammiversary 2014. The former United States Heavyweight Champion is scheduled to challenge Eric Young for the TNA World Heavyweight Championship at the pay per view. Management is still working on a backup plan in case his knee does not hold up, however.
June 11, 2014
During the Payback 2014 pay per view, WWE did a segment where Stephanie McMahon demanded that Daniel Bryan make a decision about the world heavyweight championship. Instead of him giving up the belt that he chased for so long, Brie Bella told Stephanie that she was quitting WWE. Brie then gave a big slap to Stephanie. The belief is that Brie will be given some time off of television.
June 1, 2014
Slammiversary 2014 takes place later on this month, and the main event might be in jeopardy. Originally, Eric Young was scheduled to defend the TNA World Heavyweight Championship against MVP, but the challenger suffered some sort of knee injury while working an independent wrestling show in England over the weekend. No word yet on the severity of the injury, but MVP was limping pretty badly.
June 1, 2014
For those of you that do not watch Impact Wrestling on a regular basis, MVP has done a heel turn. The former United States Heavyweight Champion has also given himself a shot at Eric Young and the TNA World Heavyweight Championship at Slammiversary 2014 as well. Management pulled the trigger on the move, as they feel that MVP could be more valuable as an antagonist.
May 9, 2014
In the main event of TNA Sacrifice 2014, Eric Young was able to defeat Brutus Magnus to retain the world heavyweight championship. Young scored the pin fall victory after delivering two piledrivers and a top rope elbow drop. During the match, Magnus attempted to cheat by using a weapon to win the TNA title back, but the referee caught him.
April 27, 2014
Rumors have it that people backstage in WWE are amused by the fact that TNA put their world heavyweight championship around the waist of Eric Young. It is not so much a shot at Young, as many in the industry feel that he is a good worker and a nice person. The ridicule is more about how TNA went about with the story line of crowning him as champion.
April 19, 2014
Since he is now the TNA World Heavyweight Championship, Eric Young is being given a bit of a gimmick change, as management wants to move him further away from the comedic character that he has portraying over the years. TNA wants fans to believe that Young is a credible champion. His Monster's Ball match against Abyss on Impact Wrestling was to aid that.
April 19, 2014
Rumors have it that another reason why TNA gave the world heavyweight championship to Eric Young was to keep him from joining Jeff Jarrett in Global Force Wrestling. Young and Jarrett have a long history together, and they remain on very good terms. Since he is a very good worker and well liked backstage, TNA would much rather he stay with them long term.
April 18, 2014
A message on Twitter from Mick Foley, where the WWE legend congratulates Eric Young on winning the TNA World Heavyweight Championship.
April 18, 2014
If TNA decides to keep the belt on Eric Young for the long term, an idea which is being tossed around backstage because of his marketing value at the moment, then management is going to push Bobby Roode up as a challenger for the world heavyweight championship. There are still talks of Brutus Magnus recapturing the belt at TNA Sacrifice 2014.
April 14, 2014
"When I first heard the news of the Ultimate Warrior's passing - from my oldest son - my first thoughts were of his precious daughters, and how their father - whose love for them was clear - had been taken away from them far to early in their lives. My second thought was about the foolish tweet I sent out during Warrior's Hall of Fame induction speech - and how badly I wish I could have taken those words back. Maybe they seemed harmless at the time, but in retrospect, the fact that my final words about Warrior were negative ones has had me feeling pretty bad these last 24 hours. I did not dislike Warrior. I got along fine with him in 1996, and years later, during a 'Legends Rountable' focusing on 'Heatseekers', I was good-naturedly kidded by my fellow Roundtable guests for having nothing negative to say about Warrior, Paul Heyman or Buff Bagwell." - Mick Foley talks about his relationship with Ultimate Warrior
April 10, 2014
During a recent interview, Buff Bagwell noted that he was not being paid to have sex with people. The former WCW star stated that Showtime would not allow such a thing. It was discovered earlier this month that Bagwell had become a gigolo in Nevada, and that he was one of the stars of a new reality television show that focused on that industry.
March 20, 2014
During a recent interview, Buff Bagwell stated that nothing can save TNA at this point. He also made sure to mention that he was not upset with the company for refusing to hire him. Bagwell questions Dixie Carter and her decision to not bring in bigger names, including himself, to help increase the ratings. Interestingly enough, he stated that even the Rock could not save TNA.
March 10, 2014
During a recent interview, Buff Bagwell was asked for his opinion on CM Punk, and he stated that Punk was simply too small of a performer. Bagwell feels that is a detriment to WWE for him to be that small. He also noted that the difference in size was a big reason why management kept Punk away from the Rock for as long as they possibly could.
March 10, 2014
During a recent interview, Buff Bagwell was asked about John Cena, and he stated that he could have been just as big as Cena had WWE given him the exact same push. He also noted that Cena was not as good as guys like Sting, Goldberg, Steve Austin and the Rock. Bagwell feels that Cena is simply at the right place at the right time.
March 10, 2014
Fans were a bit shocked recently to hear that Buff Bagwell has decided to make the jump from professional wrestling to male escorting. Apparently, his former WCW coworker Konnan caught him on television and made this comment on Twitter about the situation.
March 6, 2014
It was reported earlier that Buff Bagwell has become a gigolo in Las Vegas. Well, it turns out that the former WCW and WWE star has been doing rather well at his new profession. He is now the second most popular escort on the Cowboys 4 Angels website, which is affiliated with a television show on Showtime.
March 5, 2014
Since things have not been working out for him in professional wrestling, Buff Bagwell appears to have located a new line of work. The former WCW star is now a gigolo out in Las Vegas. He was featured on Gigolos, a show on Showtime, recently. Things will reportedly be branched out to Atlanta, where Bagwell resided, if things go well on the show.
March 3, 2014


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1-10 of 1000+ three bedroom houses for sale found
3 bed terraced house for sale
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£1,500,000 Offers in Excess of
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3 bedroom semi-detached house for sale Heron Drive, Lenton, Nottingham, NG7
FOR SALE IMPORTANT PORTFOLIO OF RESIDENTIAL PROPERTIES WITHIN GREATER NOTTINGHAM AVAILABLE FOR PURCHASE AS PORTFOLIO OR IN SMALLER PARCELS PRICE ON APPLICATION (subject to contract) More details ›
3 bedroom detached house for sale Bestwood Village, Nottingham
WOODLAND SETTING This spacious family home is situated in the conservation village of Bestwood, consisting of a master bedroom suite, two further bedrooms, a lovely kitchen/breakfast room and two further reception rooms, all sitting in approximately 1acres. More details ›
3 bedroom detached house for sale Mill Lane, Bestwood Village
A STRIKING HOME ON OVER 12 ACRES OF PICTURESQUE GROUNDS Standing proudly at the end of a sweeping driveway behind electric gates this impressive detached residence has been extensively extended by the current owners to provide generous accommodation and versatile layout easily adapted f... More details ›
Added on 18/09/2014 by Richard Watkinson & Partners, Nottingham. Call: 0115 798 0257 Local call rate
3 bedroom detached house for sale The Point, Mapperley Park, Nottingham, NG3
A true 'Grand Design' in every sense, from the moment you first see this superb house on entering The Point to all the fine details that have been created to the highest specification throughout. With literally no expense spared by the current owners with many 'design led' features this house wi... More details ›
Added on 30/11/2013 by FHP Living, Nottingham. Call: 0115 798 0189 Local call rate
£630,000 Offers in Excess of
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3 bedroom detached house for sale Old Melton Road, Normanton-on-the-Wolds, Nottingha
STUNNING LOCATION A rare opportunity to acquire this impressive residence and grounds. The property enjoys impressive gardens, a paddock and scope for further development. Internal viewing is required is order to fully appreciate the positioning and potential on offer. More details ›
£575,000 Guide Price
Guide Price £575,000
3 bedroom detached bungalow for sale Eagle Close, Beeston, Nottingham, NG9 3DY
OPEN HOUSE VIEWING SATURDAY 25TH OCTOBER 10AM - 12PM A substantial detached bungalow set in 0.25 of an acre of private mature landscaped gardens located in a highly sought after area More details ›
3 bedroom detached house for sale Woodland Drive, Mapperley Park, Nottingham, NG3
This well built three bedroom bungalow is perfect for prospective buyers who wish to put their own stamp on a property. Although in need of updating the property offers two spacious double bedrooms, with a third bedroom or study area. Separate dining and living rooms offer flexible living space ... More details ›
Added on 28/10/2014 by FHP Living, Nottingham. Call: 0115 798 0189 Local call rate
3 bedroom detached bungalow for sale Old Road, Ruddington, Nottinghamshire
NEWTON FALLOWELL are pleased to present this beautifully presented bespoke traditional cottage style three / four bedroom chalet bungalow situated within one of the most sought after roads within the desirable village of Ruddington ideal for commuters along the A52, QMC, Nottingham University and... More details ›
£499,950 Guide Price
Guide Price £499,950
3 bedroom detached house for sale Old Melton Road, Normanton on the Wolds
An excellent opportunity to purchase this three bedroomed detached home which offers scope for expansion or development (subject to relevant planning consents and building approval) Located in the highly sought after village of Normanton on the Wolds we would urge an early inspection to avoid dis... More details ›
Reduced on 24/10/2014 by Royston & Lund Estate Agents, West Bridgford. Call: 0115 798 0203 Local call rate
3 bedroom detached house for sale Sutherland Drive, West Bridgford, Nottingham, NG2
Mark Bygott Intercounty Estate Agents are pleased to offer for sale with NO UPWARD CHAIN this three bedroomed detached house situated within this sought after residential location. There is planning permission granted for a single storey extension and a loft conversion. The property benefits from... More details ›
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NEWS > 2011 News
Vaughn Students to Present Engineering Paper
February 1, 2011
Vaughn College mechatronics engineering students Marvin Blackman, Shahidul Islaam and Joseph Kamel will present a paper titled "Programming and Automation Process of an Industrial Mechatronic System" at the American Society for Engineering Education sectional conference in Albany in March.
The students, under the direction of Dr. Hossein Rahemi, will discuss how programmable controllers can be used to refine the hazardous cargo screening process in airports and elsewhere. Their presentation will include a description of PLC systems and their industrial applications and a programming demonstration.
The Vaughn students see their mechatronics example as an alternative to the X-ray system currently employed in airports worldwide. A belt will feed to a screening station that tests for hazardous materials. A robotic arm at a separate handling station will sort out potentially threatening objects for further inspection.
The sectional conference is scheduled for March 18-19.
November 22, 2014
Second Open House Draws Record Crowd
More than 260 Students in Attendance
November 21, 2014
Speakers on Campus at Vaughn Share Experience and Insights
Management Series hosts John Allen and the Honorable Chris Hart
November 15, 2014
More than 250 Prospective Students Attend Vaughn's Open House
Standing Room Only at First of Two Fall Open Houses
November 12, 2014
Arts and Sciences Professor to Hold Education Workshop
Workshop Designed to Assist High School Instructors Teaching Calculus
November 10, 2014
Vaughn College takes First Place at Fall Robotics Challenge
Crowd Gathers in Hangar to Watch Event
November 04, 2014
Vaughn College Robotics Club to Host Fall Challenge
Robotics Club to Host Challenge for Local High Schools and Colleges


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Meet RJ
RJ to shut down Delhi, Mumbai and Lagos
Amman, July 26, 2014- Royal Jordanian announces its plan to stop its services to Delhi, Mumbai and Lagos, in light of the airline's restructuring plan, including its route network.
RJ will stop operating to Mumbai on September 10, to Lagos on October 10, and to Delhi on October 31, this year. With the closure of the three destinations, the RJ routes will count 51.
RJ Chairman of the Board/President &CEO Nasser Lozi said that the decision is part of a synchronized plan to turn around the airline covering operations and financial structure. The move comes at a time whilst RJ is facing difficulties due to the instability in the region and high fuel prices.
Lozi attributed halting these flights to the reduced demand on travel from/to these cities due to the aggressive growth of regional competition and increased operating costs.
He added that shutting down the three destinations raises the number of destinations that RJ has stopped this year to eight.
He pointed out that RJ suspended its flights to Alexandria, Colombo, Milan and Accra last April and May. Additionally, the RJ owned Royal Wings Company has been running the scheduled RJ flights between Amman and Sharm Sheikh as of last April. He also said that RJ continually studies the opportunities for new routes. There are a number of regional markets that RJ is watching closely.
Regarding its fleet, Lozi said that the airline is awaiting the arrival of the Boeing 787s which will start joining the fleet in August this year. By year end, the airline will be receiving five B787s.
Lozi also said that the airline had to suspend operations to seven stations in the Middle East and North Africa due to security reasons in the region; they are: Damascus and Aleppo since more than two years, in addition to Tripoli, Benghazi, Misrata, Mosul and Tel Aviv.
He stressed that Royal Jordanian suffered big losses in 2012 and 2013, as a result of suspending service to Damascus and Aleppo and also changing the route of its operations between Amman and Beirut. The airline also witnessed losses in the past period of 2014 because of the uncontrolled suspension of these destinations.
RJ receives its 5th Dreamliner; concludes the introduction of the first group of the 787 order
Amman, Nov. 23, 2014- Royal Jordanian yesterday welcomed its fifth 787 aircraft, thus completing the assimilation of the first group of its 787 order. The airline received the fourth 787 on Nov....
Go Crown ŌĆō A new feature that allows Royal Jordanian passengers to bid for upgrades to Crown Class
Amman, Nov. 10, 2014: Royal Jordanian announces the launch of a new feature, called "Go Crown", that allows passengers holding economy class tickets to place a bid to upgrade to Crown...


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Things to see and do - Davos
Leaving for Liechtenstein
Davos :
Unmissable tourist sites
Where to sleep?
Davos Hotel tips
Dischma from72 CHFBook
Hotel Dischma Budget from55 CHFBook
Hotel Cresta from59 CHFBook
Top searches Switzerland and Liechtenstein
Davos Travel guide
Davos : Michelin's recommendations
Davos, one of Europe's most famous mountain resorts, is a small commercial town busy all year round. It offers numerous sports or leisure activities (ice rinks, sledge runs, footpaths) but is mainly popular for its magnificent ski runs (among the most extensive in Switzerland: 230 km of runs and 44 ski lifts). A world economic forum is held in Davos each year.
Tourist attractions Davos : Things to see and do
Ernst Ludwig Kirchner Platz CH - 7270 Davos
This museum contains the world's largest collection of works by Ernst-Ludwig Kirchner (1880-1938), who lived in Davos from 1917 until his death. Kirchner, whose work was labelled as "degenerate" by the Nazis, is one of the most significant ..
Hohe Promenade
Hohe Promenade CH - 7276 Davos
This path, partly under the woods, is perfectly well arrangeed (clear of snow in winter). It can be reached from Davos-Dorf, by the road going up behind the Seehof hotel and from Davos-Platz, by the steep path along the road to the Catholic church.
Hotels Davos
Hotel Dischma Budget
Promenade 128 CH - 7260 Davos
Promenade 128 CH - 7260 Davos
The Dischma hotel can be found in the centre of Davos, a 5-minute walk from the Parsenn cable car. It offers a wellness area with a sauna, a steam bath and a solarium. You can choose from 2 restaurants serving delicious Swiss cuisine and the bar inv..
Hotel Cresta
Talstrass 57 CH - 7270 Davos
The Cresta hotel enjoys a central yet quiet location in Davos-Platz, 300 metres from the Davos Congress Centre, and offer free access to its indoor pool and the sauna. The ski slopes, the cross-country ski tracks and the 18-hole golf course can easil..
Restaurants Davos
Waldhotel Davos
Buolstr. 3 CH - 7270 Davos Platz
Promenade 135 CH - 7260 Davos Dorf
La Terrasse
Alte Flüelastr. 2 CH - 7260 Davos Dorf
Set around a large conservatory, this bright and friendly restaurant is bathed in natural light. Situated close to the lower terminus of the Parsennbahn funicular railway it makes an ideal place to rest and refuel after skiing or mountain walking.
Romeo und Julia / Trattoria
Promenade 89 CH - 7270 Davos Platz
A fair few big-name politicians attending the annual economic forum have graced the tables in this friendly, rustic restaurant. Cuisine with an Italian flavour.
Mann und Co
Buolstr. 3 CH - 7270 Davos Platz
The evening restaurant is refined with its modern-elegant look. Find light wood, unostentatious decor and very sophisticated table settings. The cuisine is ambitious, contemporary and retains a classic basis.
Amrein's Seehofstübli
Promenade 159 CH - 7260 Davos Dorf
After the Walserhof in Klosters, Armin Amrein has moved his kitchen to Davos and produces creative cuisine with customary dedication. He treats guests to a 'Degustation' and a 'Graubünden' menu, alongside à la carte options and his classic signature ..


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Added Jul 4, 2013
by marielaure
Paris, France
I just restyled a friend's salsa costume that was a bit old fashioned and not fitted to her body.
On the front, I removed 2 of the 3 skirt layers which decreased a little the fluffy shape.
At the back, I kept all the layers of the skirt but shortened the length by 8 cm to make her legs look longer.
I added an elastic band at the waist to gather the back of the bodice to fit her body better.
Finally, we added feathers along the "coconut bra" as she calls it to smooth the shape a little.
The final design is far better, and gives a more modern flavor to the costume ! I Look forward to seeing her dancing with it.
Jul 11, 2013, 12.11 AMby neveenkarnes
well done !!!
Jul 5, 2013, 09.24 PMby jilldeville
Wow! sassy and cute!
Jul 6, 2013, 05.29 AMby marielaure
thanks :)
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Beyonce Seizes Moment at MTV Video Music Awards
They don't call her Queen Bey for nothing.
Beyoncé & Jay Z's Cuba Anniversary Trip Deemed Legal By U.S. Government
These two no longer need to be on the run, according to the United States government.
Jeezy Reveals Tracklist For New Album 'Seen It All,' Featuring Jay Z, Future & Rick Ross
Jeezy already let us hear Jay Z's cameo on the title track (along with letting us know how choked up HOV got about it), but the record will also include T.I., YG, Rick Ross, the Game, Future and Lil' Boosie.
Man Bites Off Another Man's Finger at Jay Z and Beyoncé Concert
At that same show, police arrested 10 additional people. Eight of those arrested were for public drunkenness, while the two others were taken in for ticket scalping during the event.
Beyoncé and JAY Z's 'On The Run' Tour to Make $84M
While the New York Post is adamant Beyoncé and JAY Z are headed for divorce, the rap superstars are more importantly headed to the bank.
HBO Reveals Trailer, Release Date for Beyoncé & Jay Z 'On the Run' Concert Special
HBO's On the Run tour special has an official run date in September.
Jeezy: Jay Z Got Teary-Eyed Writing His Verse on 'Seen It All'
Yeah, Jay Z got all misty.
Live: Jay Z and Beyoncé 'On the Run' Tour Lands in New Jersey
The holy matrimonial "On The Run" tour of Jay Z and Beyoncé came to MetLife Stadium in New Jersey on Friday night (July 11).
HBO to Air Jay Z & Beyoncé 'On the Run' Concert Special in September
HBO and the Carters have a long business relationship in place, so it should come as no surprise that the cable network will air a special from Jay Z's and Beyoncé's current On the Run tour.
Global Citizen Festival Headliners: Jay Z, Tiësto, fun. and More to Play Central Park
The third annual Global Citizen Festival will take place in New York City on Saturday, Sept. 27 and will feature a star-studded lineup featuring artists across several genres including hip-hop, rock, country and EDM.


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Tel: (218)336-8895
Grades: KG-5
447 students
Lowell Music Magnet Elementary School serves 447 students in grades KG-5.
The student:teacher ratio of 14:1 is equal to the MN average of 14:1.
Minority enrollment is 20% of the student body (majority Black and Hispanic), which is less than the state average of 28%.
Online Public Schools in MN
The student population of 447 students has declined by 7% over five years.
The teacher population of 31 teachers has stayed relatively flat over five years.
|School Type
|Magnet School
|Grades Offered
|Grades KG-5
|Total Students
|447 students
|Gender %
|49% Male / 51%Female
|Total Classroom Teachers
|31 teachers
|Students by Grade
School Comparison
The student:teacher ratio of 14:1 has stayed the same over five years.
The school's diversity score of 0.35 is less than the state average of 0.84. The school's diversity has stayed relatively flat over five years.
District Comparison
The district's student population of 11,009 students has grown by 13% over five years.
|School District Name
|Duluth Public School District
|Number of Schools
|Number of Students Managed
|District Total Revenue
|District Spending
|District Revenue / Student
|District Spending / Student
|School Statewide Testing
|View Education Department Test Scores
Nearby Schools:
All Schools |High Schools High Schools |Middle Schools Middle Schools |Elementary Elementary |Pre-K Pre-K |Private Schools Private Schools
Show me:
- School Location Miles Students Grades
Duluth Arrowhead Juvenile Center
1918 Arlington Ave
Duluth , MN , 55811
(218)625-6708Alternative School0.5 mi | 40 students | Gr. 4-12
Duluth Early Childhood Special Education Elementary School
Duluth , MN , 55802
(218)336-8742Special Education School0.9 mi | 209 students | Gr. PK
Duluth Secondary Technical Center
Duluth , MN , 55811
(218)336-8975Vocational School1 mi | n/a students | Gr. 9-12
Duluth Duluth Edison Charter School
Duluth , MN , 55811
(218)728-9556Charter School1.4 mi | 901 students | Gr. KG-8
Duluth Chester Creek Academy
Duluth , MN , 55811
(218)728-5722Alternative School1.4 mi | 59 students | Gr. 1-12
School Reviews
Reviews should be a few sentences in length. Please include any comments on:
-Quality of academic programs, teachers, and facilities
-Availability of music, art, sports and other extracurricular activities
Area Statistics
Recent Public School Articles
Updated November 12, 2014
Communicating early and often with your child's teacher is an important aspect of ensuring your child has the best possible education. Yet, sometimes parent-teacher conferences can be stressful for a variety of factors. In this article we provide a how-to guide for making the most out of your parent-teacher conference experience.
The Common Core State Standards were developed as a means to prepare K-12 students for success in college or the workforce upon graduation from high school. Since their inception, they have been adopted by 43 states. While much support has been given for the standards, many criticisms have emerged as well.
Increasing birth rates among immigrant families from Asia and Central and South America, combined with lower birth rates among white families, means that for the first time in history, public school students in the United States are majority-minority. This shift in demographics poses difficulties for schools as they work to accommodate children of varying language abilities and socio-economic backgrounds.


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|Furniture Color
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Style: Casual.Finish: White.Distressed: No.Base Material: Metal.Hardware Material: Iron.Overall Height Top to Bottom: ...
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Furinno White Multipurpose Personal TV Tray Folding Table Features a casual style that gives your home and office space a ...
This Web site is intended for use by US residents only. See International Sites. See our delivery policy for full details. Copyright 1998-2014, Staples, Inc., All Rights Reserved.


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Forget replacing Dravid; if India can find three world-class Test bowlers instead, they'll do very well for themselves
Sanjay Manjrekar
March 15, 2012
Related Links
Teams: India
As a nation, India can't help but be driven by personalities. After the retirement of Rahul Dravid, everyone seems caught up in trying to find who his successor at No. 3 will be. For all you know, Indian cricket will never find anyone.
But you know what: it does not matter. If in the next two decades, India find three world-class bowlers instead, they may well win more matches than they have ever done; four batsmen averaging around 45 runs per innings and three bowlers averaging under 30, with a good strike rate, will win India plenty of Tests.
For the last decade or so India had four extraordinary batsmen playing for them at the same time. Virender Sehwag, Sachin Tendulkar, Dravid and VVS Laxman were undisputed stalwarts. (And don't forget Sourav Ganguly too.) They had outstanding records and their heroics did not come only at home. Laxman and Sehwag may have had a bad run of late overseas, but one should not forget that these two have played some great innings in other parts of the world. There have been very few instances in the history of Test cricket where a national team has boasted this kind of batting wealth at one time in a playing XI.
Having said this, why was India's Test record not as great as their strength in batting may have led one to expect? The obvious answer is that their bowling in that period has not been as rich as the batting.
India started to earn respect as a Test team when they began to post improved performances overseas after 2000, culminating in their becoming the No. 1 side in Test cricket. But even in their prime, India had never beaten Australia or South Africa away. The great No. 1 teams of the past who ruled world cricket for a length of time, like West Indies and Australia, went into the backyards of strong teams and hammered them in front of their home crowds. When you do this, you are not just ranked No. 1 in the computer rankings but also in the minds and hearts of the world's cricket followers. Australia and West Indies could do this because, along with good batting, they had terrific bowling attacks as well.
India will always have enough batting capital, and that is because Indians love to bat! I see this every time there are open trials held to select junior teams: the talent scouts ask the kids to form two groups, one for batsmen and the other for bowlers, and the batting group is always much bigger than the bowling one. India may not get replacements for the Dravids and Tendulkars, but because of this love for batting over bowling and fielding, there will always be decent batsmen coming through the ranks. Finding good bowlers is the challenge for India to stay at the top of world cricket.
It may seem like quite a hindrance, but it's not impossible for India to have three world-class bowlers playing at one time, like they had the four batsmen. And these need not necessarily be three fast bowlers; there could be a couple of spinners in there. Australia and South Africa are havens for fast bowlers, but after day three in a Test match - a critical stage - there is enough in their pitches too for a quality spinner to win a game for his side.
|In overseas conditions, there is spin in the pitch - just not as readily available as in India. It has to be extracted, and for that there needs to be more "strength" behind every ball, which means the whole body has to go through the grind, not just the fingers and bowling arm
R Ashwin is a good recent example of an Indian spinner who did not quite make the same impact in Australia as he did at home, and that has been the general story, with a few exceptions, of Indian spinners overseas. When Nathan Lyon and Ashwin were seen together in the Adelaide Test match, it was clear to see that for those conditions Lyon was a better offspinner than Ashwin. In India, though, Ashwin will be in a completely different league and Lyon will watch in awe.
The important thing for Indian spinners to become effective in all conditions is for them to learn to use more than just their fingers and bowling arm. In overseas conditions there is spin in the pitch - just not as readily available as in India. It has to be extracted, and for that there needs to be more "strength" behind every ball, which means the whole body has to go through the grind, not just the fingers and bowling arm. To do this it also becomes imperative that you are strong and fit as a cricketer, with strong legs.
Any bowler can account for this need on his own by adopting a separate training programme for himself while playing in India. Playing stints in county cricket in England and local cricket in Australia will force him to do this as well.
It's no different for Indian seamers too. How often did we see in Australia a pitch that failed to respond to Indian seamers come alive when the big, strong Aussie bowlers had a go? Just running in and releasing the ball - which seems to be the natural style of many Indian seam bowlers - is not enough to get life out of foreign pitches, even though those are supposed to aid fast bowling.
While commentating for Sky Sports in England last year, I did a split-screen comparison of James Anderson and Sreesanth, both of whom rely more on seam movement than pace. The effort at the time of delivery that Anderson was putting behind his stock ball was clearly far greater than that of Sreesanth, who seemed to just run in and release the ball without straining too much.
Till Indian seamers do not get stronger and fitter, they will just not be able to put the amount of effort needed to find life in pitches that are not very lively. Even for a swing bowler bowling at 135kph, if there is a stronger body and a strong wrist behind the ball, the difference is magical. It's the difference between finding the edge and a batsman making a last-minute adjustment to play the ball with the middle of the bat.
Indian cricket needs someone to keep pushing bowlers to the next level, and frequent stints outside the subcontinent while not on international duty would really help. Granted, there are fewer kids in India who want to bowl, but let's be thankful there are some at least. India needs to make the most of them and give them more attention than ever. More than looking for the next No. 3, India need to begin their quest for three world-class bowlers instead. With Dravid gone, there is even more reason to.
Former India batsman Sanjay Manjrekar is a cricket commentator and presenter on TV. His Twitter feed is hereFeeds: Sanjay Manjrekar
© ESPN Sports Media Ltd.
|Comments have now been closed for this article
'Everyone stares at you when you're 6ft 8in'
Boyd Rankin talks about giants, playing for the enemy, and being mentored by Allan Donald
Bravo's withdrawal highlights cricket's stress malaise
Tony Cozier: He and Kieran Powell should follow Lara's example by seeking professional help to resurrect their promising careers
Four afternoons into immortality
Rewind: In 1899 a 13-year-old orphan at Clifton College established a world record which stands to this day
David Hopps: In England, changes in social attitudes, the demands of work, and other factors are contributing to a decline in recreational cricket
The multifaceted Mr Ravi Shastri
Stuart Wark: We might know him better as a commentator, but in his day he was a fine spinner and, when called on, a gritty opener
Pakistan should not welcome Amir back
The serene team culture cultivated by Misbah and his men shouldn't be allowed to be disrupted by a player with a tainted past
'I don't blame Arjuna for my early retirement'
Former Sri Lanka batsman Asanka Gurusinha talks about playing and coaching in Australia, and tactics during the 1996 World Cup
'I'm a bit disappointed not to get that Test average up to 50'
Mahela Jayawardene reflects on his Test career, and the need to bridge the gap between international and club cricket in Sri Lanka
Dhoni's absence a guide to India's future
He's past his use-by date as a Test captain and keeper. India now have a chance to test Kohli's leadership skills
Rohit's record, and captains' equal scores
Also, scoring a hundred and opening the bowling, the youngest Australian player, and scoreless in three Tests
Pakistan should not welcome Amir back (181)
The serene team culture cultivated by Misbah and his men shouldn't be allowed to be disrupted by a player with a tainted past
'I'm a bit disappointed not to get that Test average up to 50' (58)
Mahela Jayawardene reflects on his Test career, and the need to bridge the gap between international and club cricket in Sri Lanka
A crisis that defines the age (37)
Never mind cricket's absence from free-to-air TV - changes in social attitudes, the demands of work, and an individualistic age are all contributing to a decline in participation
Pujara and the challenge of being a Test-only batsman (34)
Shorter tours don't allow you time to get into form, and domestic cricket isn't demanding enough
Misbah's Pakistan or Imran's Pakistan? (28)
Pakistan have notched up some fine wins under Misbah-ul-Haq's leadership, but they haven't yet achieved consistent results outside the UAE


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Scott Lord
Scott Lord Scott Lord Film Scott Lord Mystery Scott Lord Novel
Sunday, November 9, 2014
New Computer ergo new camera
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Friday, October 31, 2014
Edgar Allen Poe statue in Boston, the amazing thing about it
The Amazing thing about the Edgar Allan Poe statue in Boston, which we strolled by on Halloween night is that right on the way is the burial ground on Boston Common where thegrave of painter Gilbert Stuart is. It is dated 1755-1828. Please take a minute to find out who he was. Gilbert Stuart, painter Having returned early during the evening, I'm waiting to read Poe when the assignment comes in during the ensuing weeks; tonight I'm studying New England Civic Verse in the 1680's and the Jeremaid in my massive open online course offerred by Harvard University.
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Sutton & Co. is a business brokerage, business consulting, and commercial real estate company based in New York, NY. Primarily serving the New York, New Jersey, Pennsylvania, and Connecticut areas, Sutton & Co. handles a wide array of business needs ranging from start-up and growth capital to business brokerage services no matter what state the business is located. Our main goal is to provide the ultimate level of transparency and client service. Our professional team includes serial entrepreneurs, project managers, mortgage bankers, accountants, and attorneys - all available to assist you, the client, in accomplishing your business goals.
Our dedicated team includes entrepreneurs, accountants, and corporate attorneys all with years of M&A experience.
Essex County, NJ
Jersey City, NJ
Clifton, NJ
North Brunswick, NJ
This subway restaurant is only 2 month old!!!!!!!!! Sales are growning!!!!! Selling due to franchisee's medical reason!!!!!
It's inside the c-store/gas station!!!! 30,000++ traffic count passing by!!!!Only Restaurant for sale !!
Sales - 3,500-4,000/wk
Rent/CAM/ALL utilities - $3,900/month (includes rent,electric,gas,water,sewer,property tax and property ins)....reduced CAM
All equipments are paid for!!!!!worth over 80k just in equipments!!!!!seller hasn't done any marketing or grand opening!!!!!
Bring in your cash offer!!!!! Really great for owner operator!!!!owner spent almost $175k
All offers will be considered!!!
Email, call or text for more details
Please Cash buyers only!!!!!
Hurry!!!! This location won't last longer!!!!
Bergen County, NJ
Somerset County, NJ
Millville, NJ
Extremely busy store, on target to gross over 600k in first year sales. 1000 Degrees Pizza, is a fast-casual Neapolitan Pizza franchise. While fast-casual style of dining seems to become America's new preference in the fast and take out style food arenas, 1000 Degrees Pizzeria has brought new life to the Pizza industry. 1000 Degrees Pizza focuses on a true thin-crust, Neapolitan style pizza, with a "create your own" option for consumers to design their own 11" pizza to their own specifications. With over 40 toppings of high quality meats, cheeses, sauces and more, there is over 1000 ways to make the perfect pie. We fire the pizza in a 1000+ degree stone lined oven, to create the perfect crunch, taste, and texture pizza in under 2 minutes. At 1000 Degrees we not only offer the best tasting pizza anywhere, we offer a first class experience for the whole family.
Ocean County, NJ
Camden County, NJ
Voorhees, NJ
Bayville, NJ
Lyndhurst, NJ
Location! Location! Location! Great opportunity for existing restaurant/pizzeria that has been in business for over 45 years. Sale includes all equipment, fixtures & amp; Fully equipped kitchen. Seating for 60+ people. Long term customers such as The Giants/Jets, and Met Life Stadium employees as well as other corporate catering and school accounts. A must see, located in the heart of this bustling town.
Union County, NJ
Passaic County, NJ
Monmouth County, NJ
Middlesex County, NJ
Paramus, NJ
NY Bagel Café & Deli, a successful and long established bagel company in the New York/ New Jersey PA area now has Prime Locations For Sale in the area We offer Fresh Baked NY Bagels Coffee Cappuccino Baked Goods Wraps Salads Smoothies Full Boars Head Deli Knishes NY Pastrami Panini's and much more..
Many More Opportunity's Available Contact Us to Learn More
Initial License Fee $17,500
low Royalty Fees
Financing Available
Full Training and Support
Protected Territory
Many Locations Available
Hudson County, NJ
Orange, NJ
Fanwood, NJ
Montclair, NJ
Extremely successful, prestigious restaurant. Financials upon request. Recently renovated, including new plumbing and electric. Simply elegant interior, with seating for 48, Chef's table in the kitchen and outdoor seating for 20. Loyal business following, immaculate & well designed interior with a highly efficient, state-of-the-art kitchen. All trade fixtures (high quality) included. Top of the line lighting system with multiple dimmer settings. One large handicap accessible finished powder room and one smaller bathroom on the main floor. Large basement with ample storage room, a small office, and a newer Walk-In Refrigerator. Don't miss this opportunity for a once in a lifetime offering!
Bordentown, NJ
Union, NJ
Toms River, NJ
Newark, NJ
Camden, NJ
This business is open for breakfast and lunch 7 days per week. The business is closed by 3PM daily. The current owner oversees the operation of the business, but DOESN'T choose to bake himself. Bagels are made from scratch. For breakfast, they offer bagels, bagel sandwiches, and cream cheese products. For lunch, they offer bagel sandwiches, wraps, and salads. The business shows beautifully, and is exceptionally well maintained and clean in appearance.
This business will be shown by appointment only. No exceptions. Do not wait to see this, if you're looking. If you have another appointment to see a bagel shop, CANCEL, and see this ASAP. This is truly a case of "You Snooze, You Lose".
Call the broker for details and to schedule an appointment. (856) 910-1800 If you respond via email, do not forget to indicate how much cash you have for a down payment. THIS BUSINESS IS BANKABLE AND WE NEED TO KNOW THE DOLLAR AMOUNT IN CASH YOU CAN PROVE TO THE BANK FOR DOWN PAYMENT. THE SELLING PRICE PF $400,000 IS FIRM, AND WILL NOT BE NEGOTIATED
Mercer County, NJ
Burlington County, NJ
Long established banquet facility in excellent condition...turnkey , SELLER WILL FINANCE---MAY BE LEASED TO QUALIFIED BUYER W/ OPTION TO BUY ...CALL FOR LEASE INFO
Gloucester County, NJ
Atlantic City, NJ
Cape May County, NJ
Bar Restaurant with real estate for sale with three apartments. Excellent location in Cape May County close to beach block. The entire restaurant was completely renovated last year. Beautiful upscale décor inside with two dining rooms and inside bar and two outside dining areas with one outdoor bar. Three rental units above the bar rent out for summer only one 1 bedroom apartment and two 2 bedroom apartments. There is tremendous potential for this business to extend the hours and for a chef owner operator to build the sales.
Pemberton, NJ
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Houzz is the new way to design your home.
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Full service architecture and construction company specializing in residential additions, renovations, and new construction. Read More
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Now over a decade building the Louisville, KY and surrounding counties finest residences, Stonecroft Homes has earned the reputation as the area's finest homebuilder. Stonecroft... Read More
Wolford Building & Remodeling (502) 387-5935
CELEBRATING 40 YEARS AS LOUISVILLE'S PREMIER HOME BUILDER! Ron Wolford is Louisville's premier luxury custom home builder and remodeler. With 40 years as a registered home... Read More
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GE Monogram. Luxury for real life. In the world of high-end appliances, Monogram stands out with its own brand of luxury. Refined but not rarefied, it's the kind of luxury... Read More
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Robbins Architecture is a full service residential design and construction company in Louisville, KY. Read More
Maynard Studios (502) 859-3170
Matthew and Karine Maynard are designers, blacksmiths and artists who use metal and architectural space as their media. As a husband and wife team, they specialize in hand-forged... Read More
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Designer Builders is a custom renovation specialist, combining two generations of construction experience. We are dedicated to high quality, durable finishes, sustainability, and... Read More
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VOTED BEST INTERIOR DESIGNERS at HOMEARAMA 2013 Lady of the House offers one-stop services which includes everything from one-time consultations to full design services, and... Read More
Mike Smith / Artistic Kitchens (502) 639-3422
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Perfect Earth Landscape LLC (502) 664-3605
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Despite what hipsters and music snobs may want you to believe, vinyl records are not the way most Americans listen to their tunes.
(Insert your own needle scratch sound effect here.)
In fact while sales of vinyl records are climbing — up 32 percent in 2013 alone and 250 percent since 2002 — those 6 million albums make up only a tiny portion of the U.S. music business, just 2 percent of all sales last year.
Neilsen SoundScan and statistics compiled by Statista Inc. note that "good old fashioned" compact discs remain at the top of the charts for U.S. music sales, with 165 million albums sold, representing 57.2 percent of the market, meaning that polycarbonate still has bragging rights when it comes to music.
Digital downloads made up another 40.6 percent of all music sold during the year with 118 million albums.
Music sales were down overall, however, with sales dropping 8.4 percent as consumers used online music streaming services.
Recent Blog PostsThanksgiving balloons — yep, they're plastic
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What's more controversial, legalizing pot or criminalizing plastic bags?


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I've actually left my previous company at the beginning of August. I was actively job hunting. Really, when you start hesitating going to work, there's definitely something wrong. You will feel like as though you are being forced to complete your tasks unwillingly. Even you have completed your tasks, you will still be in the did-i-screw-that-up mode. Not sure about my colleagues tho, but that was me. People always say, if you have issues, talk to your boss. Numerous times, my big boss would say, "you dont like it here, then leave". So, i dont see the point of talking.
As time goes on, i start to have these migraines. Up till now, it still lingers. I even went and see a neurologist and went for MRI scan. Well, of cos there is nothing wrong with my head. I spoke to a few friends on what i was going through, it was kept in me for some time before i get to talk to someone. My friend said it was perhaps i was having panic attacks. I got my chamomile tea and i got my lavender burning essence thingie. I was still having the same issue. So, my aunt suggested to go and see a therapist. i went and see a therapist. honestly, i didnt really see any improvement. so i stopped.
During the period i was having all these migraines, i was on MC as well. Never in my working history i have MCs back to back. So, looking at the MCs i have took, i decided to call it quits. With immediate effect. While another stress fall onto me praying and hoping the company will not take their action for i did not serve my 1 month notice, i kept looking for job.
I had a few interviews lined up. Sometimes, when u think interviews are only for companies to evaluate you, you are wrong. Interviews are for both parties to evaluate each other. You evaluate the company and the interviewers evaluate you on behalf of their companies. While you show sincerity wanting to serve for their company, they too need to show sincerity of wanting to hire u to be part of them. I agree on the term where there is no such thing as companies cannot survive without you, but i also believe that if the company wants to hire you, they should have an environment that you can work in.
I went for the interviews.
1, The hiring managers were horrible. They talk as though my face is stuck on the ceiling. They gave me the impression like, can you work with indians (no offense my fellow indian friends, that is exactly what happened), if you cannot work with indians then we shall not waste time here. So from here, im already feeling there's racism issue. At the end, they didn't offer me the job, which I secretly felt relieved.
2, I was made to wait for 30 mins. I strongly believe in respecting each other's time. I went early. At least 15 minutes early. Then when the time comes, i was told to wait. Firstly, i was being passed around. From my understanding, i was suppose to be interview by this lady. Then "no, im not free, ask mr so and so to interview. Of cos i do not know who i was suppose to see at the beginning, but when i went in to the room. I was quite in disbelief. This guy was free all the time just sitting in his room. Not engaging on the phone or computer. So fine, maybe he is busy to think of his plans for the day. I was offered the job. Feeling there will be a lot of tai chi-ing, i turned it down.
After all that, i decided to pick a non-salary paying job. Real Estate Negotiator (REN). I have been wanting to explore this line. Knowing that i have zero knowledge, i still want to join and explore. I dont deny that it is tough. It is. Nothing comes easy. Especially good money. So, I have been in the line for 2 months now. Making calls was no biggie for me for my background. I just need to improve on face to face.
Im glad to have people who are supportive. I also have a bunch of people who isnt. :)
Now, spread around! As long as it is within Klang Valley, I will definitely try my best to assist. Wish me luck!


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Find records of Ralph Elvers
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Ralph A Elvers (1915 - 1998) was born on October 10, 1915. He was born into the Elvers family.
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Posted Nov 16, 2012By
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The San Antonio Spurs visit the Los Angeles Clippers for the first time since winning the 2014 NBA Champoniship.(An
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VA Health Care:
Spending for Mental Health Strategic Plan Initiatives Was Substantially Less Than Planned
GAO-07-66: Published: Nov 21, 2006. Publicly Released: Dec 4, 2006.
Additional Materials:
- Highlights Page:
- Full Report:
- Accessible Text:
(202) 512-2758
Office of Public Affairs
(202) 512-4800
The Department of Veterans Affairs (VA) provides mental health services to veterans with conditions such as post-traumatic stress disorder (PTSD) and substance abuse disorders. To address gaps in services needed by veterans, VA approved a mental health strategic plan in 2004. VA planned to increase its fiscal year 2005 allocations for plan initiatives by $100 million above fiscal year 2004 levels and its fiscal year 2006 allocations for plan initiatives by $200 million above fiscal year 2004 levels. GAO was asked to provide information on VA's allocation and use of funding for mental health strategic plan initiatives in fiscal years 2005 and 2006, and to examine the adequacy of how VA tracked spending and the extent of spending for plan initiatives. GAO reviewed VA reports and documents on plan initiatives and conducted interviews with VA officials at headquarters, 4 of 21 health care networks, and seven medical centers. VA networks provide oversight of medical center operations and most medical center resources.
In fiscal year 2005, VA headquarters allocated about $88 million of the $100 million above fiscal year 2004 levels that VA officials intended for mental health strategic plan initiatives. VA allocated about $53 million directly to medical centers and certain offices based on proposals submitted for funding and other approaches targeted to specific initiatives. VA solicited proposals from networks for initiatives to be carried out at medical centers through requests for proposals (RFP). In addition, VA headquarters officials said that VA allocated $35 million for plan initiatives through VA's general resource allocation system to its 21 health care networks on a retrospective basis, several months after resources had been provided to the networks though the general resource allocation system. VA did not notify network and medical center officials that these funds were to be used for plan initiatives. Network and medical center officials interviewed told GAO that they were not aware these allocations had been made. As a result, it is likely that some of these funds were not used for plan initiatives. VA did not allocate the approximately $12 million remaining of the $100 million for fiscal year 2005 because, according to VA officials, there was not enough time during the fiscal year to do so. Medical center officials said they used funds allocated for plan initiatives for new services and for enhancement of existing services. For example, two medical centers increased the number of mental health providers at community-based outpatient clinics. However, some medical center officials reported they did not use all funds allocated by the end of the fiscal year, due in part to the time it took to hire staff. In fiscal year 2006, VA headquarters allocated about $158 million of the $200 million above fiscal year 2004 levels intended for mental health strategic plan initiatives directly to medical centers and certain offices. VA allocated about $92 million of these funds to support new initiatives, using RFPs and other targeted funding approaches. VA also allocated about $66 million to support recurring costs of continuing initiatives from the prior fiscal year. About $42 million of the $200 million for fiscal year 2006 was not allocated. Officials from seven medical centers GAO interviewed reported they had used funds for plan initiatives, such as the creation of a new case management program. Officials at some medical centers reported they did not anticipate problems using all of the funds allocated within the fiscal year; however, officials at other medical centers were less certain they would be able to do so. VA tracking of spending for plan initiatives was inadequate. In fiscal year 2005, VA did not track such spending. In fiscal year 2006, VA tracked aspects of plan initiatives but not dollars spent. However, available information indicates that VA spending for plan initiatives was substantially less than planned. In fiscal year 2006, VA medical centers returned to headquarters about $46 million of about $158 million allocated for plan initiatives because they could not spend the funds that year. However, VA cannot determine to what extent the approximately $112 million remaining was spent on plan initiatives because it did not track specifically how these funds were spent.
Recommendation for Executive Action
Status: Closed - Implemented
Comments: In response to our recommendation, the Department of Veterans Affairs (VA) developed and implemented a national web-based reporting and tracking system to monitor expenditures associated with mental health strategic plan initiatives in early 2007. VA made changes to the system later in 2007 that enhanced VA's ability to track the use of resources allocated for mental health strategic plan initiatives. VA's tracking system provides information VA staff can use to determine the extent to which resources allocated for mental health strategic plan initiatives are spent for those initiatives.
Recommendation: To provide information for improved management and oversight of how funds VA allocates are spent to fill identified gaps in mental health services for veterans, the Secretary of Veterans Affairs should direct the Under Secretary for Health to track the extent to which the resources allocated for mental health strategic plan initiatives are spent for plan initiatives.
Agency Affected: Department of Veterans Affairs
Explore the full database of GAO's Open Recommendations »
Nov 21, 2014
Vaccine Injury Compensation:Most Claims Took Multiple Years and Many Were Settled through NegotiationGAO-15-142: Published: Nov 21, 2014. Publicly Released: Nov 21, 2014.
Nov 18, 2014
Health Care Transparency:Actions Needed to Improve Cost and Quality Information for ConsumersGAO-15-11: Published: Oct 20, 2014. Publicly Released: Nov 18, 2014.
Nov 17, 2014
VA Health Care:Actions Needed to Ensure Adequate and Qualified Nurse StaffingGAO-15-61: Published: Oct 16, 2014. Publicly Released: Nov 17, 2014.
Nov 13, 2014
Small Business Health Insurance Exchanges:Low Initial Enrollment Likely due to Multiple, Evolving FactorsGAO-15-58: Published: Nov 13, 2014. Publicly Released: Nov 13, 2014.
Nov 10, 2014
Compounded Drugs:Payment Practices Vary across Public Programs and Private Insurers, and Medicare Part B Policy Should Be ClarifiedGAO-15-85: Published: Oct 10, 2014. Publicly Released: Nov 10, 2014.
Oct 30, 2014
VA Health Care:Management and Oversight of Consult Process Need Improvement to Help Ensure Veterans Receive Timely Outpatient Specialty CareGAO-14-808: Published: Sep 30, 2014. Publicly Released: Oct 30, 2014.
Oct 29, 2014
Chemical Assessments:Agencies Coordinate Activities, but Additional Action Could Enhance EffortsGAO-14-763: Published: Sep 29, 2014. Publicly Released: Oct 29, 2014.
Oct 6, 2014
Medicaid:Information on Inmate Eligibility and Federal Costs for Allowable ServicesGAO-14-752R: Published: Sep 5, 2014. Publicly Released: Oct 6, 2014.
Private Health Insurance:The Range of Base Premiums in the Individual Market by County in January 2013GAO-14-772R: Published: Sep 5, 2014. Publicly Released: Oct 6, 2014.
Oct 2, 2014
Compounded Drugs:TRICARE's Payment Practices Should Be More Consistent with RegulationsGAO-15-64: Published: Oct 2, 2014. Publicly Released: Oct 2, 2014.
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