text:
How to Display the Flag
Flag Sizes
Other Questions
Flag Rules and Regulations
1. When the flag
is displayed over the middle of the street, it should be suspended
vertically with the union to the north in an east and west street or to the
east in a north and south street.
2. The flag of
the United States of America, when it is displayed with another flag against
a wall from crossed staffs, should be on the right, the flag's own right
[that means the viewer's left --Webmaster], and its staff should be in
front of the staff of the other flag.
3. The flag, when
flown at half-staff, should be first hoisted to the peak for an instant and
then lowered to the half-staff position. The flag should be again raised to
the peak before it is lowered for the day. By "half-staff" is meant lowering
the flag to one-half the distance between the top and bottom of the staff.
Crepe streamers may be affixed to spear heads or flagstaffs in a parade only
by order of the President of the United States.
4. When flags of
States, cities, or localities, or pennants of societies are flown on the
same halyard with the flag of the United States, the latter should always be
at the peak. When the flags are flown from adjacent staffs, the flag of the
United States should be hoisted first and lowered last. No such flag or
pennant may be placed above the flag of the United States or to the right of
the flag of the United States.
5. When the flag
is suspended over a sidewalk from a rope extending from a house to a pole at
the edge of the sidewalk, the flag should be hoisted out, union first, from
the building.
6. When the flag
of the United States is displayed from a staff projecting horizontally or at
an angle from the window sill, balcony, or front of a building, the union of
the flag should be placed at the peak of the staff unless the flag is at
7. When the flag
is used to cover a casket, it should be so placed that the union is at the
head and over the left shoulder. The flag should not be lowered into the
grave or allowed to touch the ground.
8. When the flag
is displayed in a manner other than by being flown from a staff, it should
be displayed flat, whether indoors or out. When displayed either
horizontally or vertically against a wall, the union should be uppermost and
to the flag's own right, that is, to the observer's left. When displayed in
a window it should be displayed in the same way, that is with the union or
blue field to the left of the observer in the street. When festoons,
rosettes or drapings are desired, bunting of blue, white and red should be
used, but never the flag.
9. That the flag,
when carried in a procession with another flag, or flags, should be either
on the marching right; that is, the flag's own right, or, if there is a line
of other flags, in front of the center of that line.
10. The flag of
the United States of America should be at the center and at the highest
point of the group when a number of flags of States or localities or
pennants of societies are grouped and displayed from staffs.
11. When flags of
two or more nations are displayed, they are to be flown from separate staffs
of the same height. The flags should be of approximately equal size.
International usage forbids the display of the flag of one nation above that
of another nation in time of peace.
12. When
displayed from a staff in a church or public auditorium on or off a podium,
the flag of the United States of America should hold the position of
superior prominence, in advance of the audience, and in the position of
honor at the clergyman's or speaker's right as he faces the audience. Any
other flag so displayed should be placed on the left of the clergyman or
speaker (to the right of the audience).
What size flag should hang on what size flagpole? The usual size of a
flag used at home is 3'x5'. On houses, a 15' or 20' flagpole should fly a
3'x5' flag. A 25' flagpole should use a 4'x6' flag.
The following table shows the appropriate size for public display (not
home-use) of the flag:
Section 8k of the Flag Code (see below) states, "The flag, when it
is in such condition that it is no longer a fitting emblem for
display, should be destroyed in a dignified way, preferably by
burning." We recommend that you contact your local
Yes. There is nothing wrong in flying a historic flag.
The gold trim is found on ceremonial flags, to be used indoors and
for ceremonies only. They originally were used on military flags. The
fringe has no specific significance, but is considered completely
within the guidelines of proper flag etiquette. There is nothing in
the flag code indicating that the fringe is for federal government
flags only. The Internet contains many sites that claim that the
fringe indicates martial law or that the Constitution does not apply
in that area. These are entirely unfounded and should be dismissed as
urban legends, usually citing
Order 10834 and inventing text that is not part of the order.
There is no official meaning to the folds, however, the United
States Air Force Academy suggests
This Ceremony
No, the flag should never be worn and no, the flag should never
have marks or words written upon it. Section 8d (see below): "The flag
should never be used as wearing apparel." Section 8g: "The flag should
never have placed upon it, nor on any part of it, nor attached to it
any mark, insignia, letter, word, figure, design, picture, or drawing
of any nature."
No. Section 8i (see below) reads: "It should not be ... printed or
otherwise impressed on paper napkins or boxes or anything that is
designed for temporary use and discard."
No. Section 8i (see below) reads, "The flag should never be used
for advertising purposes in any manner whatsoever."
The flag decals have the union (the blue area with the stars) on
the side closer to the front of the plane. On the plane's left, the
decal shows the flag with the union at the left, as usual. On the
plane's right side, the union is on the right. This is done so that
the flag looks as if it is blowing in the wind created by the forward
movement of the ship or airplane. You can see this on cars and trucks
as well. Click to see pictures of the flag decals on
Air Force
1. There are two separate flag patches in the Army inventory: the
normal U.S. flag replica that is worn on the left sleeve, and what is
referred to as the "reversed field" flag patch, which is worn on the
right sleeve.
By Executive Order, the flag flies 24 hours a day at the following
Title 4, Chapter 1: The Flag
Sec. 1. — Flag; stripes and stars on
The flag of the United States shall be thirteen horizontal stripes,
alternate red and white; and the union of the flag shall be forty-eight
stars [Note that sec. 2 which follows provides for additional
stars. Today the flag has fifty stars representing the fifty states -
Webmaster], white in a blue field
Sec. 2. — Same; additional stars
On the admission of a new State into the Union one star shall be added
to the union of the flag; and such addition shall take effect on the
fourth day of July then next succeeding such admission
*Sec. 3. [This section relates only to the District of Columbia
and is being omitted here -Webmaster]
Sec. 4. — Pledge of allegiance to the flag; manner of delivery
The Pledge of Allegiance to the Flag, "I pledge allegiance to the Flag
of the United States of America, and to the Republic for which it
stands, one Nation under God, indivisible, with liberty and justice for
all.", should be rendered by standing at attention facing the flag with
the right hand over the heart. When not in uniform men should remove
their headdress with their right hand and hold it at the left shoulder,
the hand being over the heart. Persons in uniform should remain silent,
face the flag, and render the military salute
Sec. 5. — Display and use of flag by civilians; codification of
rules and customs; definition
The following codification of existing rules and customs pertaining to
the display and use of the flag of the United States of America be, and
it is hereby, established for the use of such civilians or civilian
groups or organizations as may not be required to conform with
regulations promulgated by one or more executive departments of the
Government of the United States. The flag of the United States for the
purpose of this chapter shall be defined according to title 4, United
States Code, Chapter 1, Section 1 and Section 2 and Executive Order
10834 issued pursuant thereto.
Sec. 6. — Time and occasions for display
Sec. 7. — Position and manner of display
Sec. 8. — Respect for flag
No disrespect should be shown to the flag of the United States of
America; the flag should not be dipped to any person or thing.
Regimental colors, State flags, and organization or institutional flags
are to be dipped as a mark of honor.
Sec. 9. — Conduct during hoisting, lowering or passing of flag
During the ceremony of hoisting or lowering the flag or when the flag is
passing in a parade or in review, all persons present except those in
uniform should face the flag and stand at attention with the right hand
over the heart. Those present in uniform should render the military
salute. When not in uniform, men should remove their headdress with
their right hand and hold it at the left shoulder, the hand being over
the heart. Aliens should stand at attention. The salute to the flag in a
moving column should be rendered at the moment the flag passes
Sec. 10. — Modification of rules and customs by President
Any rule or custom pertaining to the display of the flag of the United
States of America, set forth herein, may be altered, modified, or
repealed, or additional rules with respect thereto may be prescribed, by
the Commander in Chief of the Armed Forces of the United States,
whenever he deems it to be appropriate or desirable; and any such
alteration or additional rule shall be set forth in a proclamation
COLLECTION, Cornell University


text:
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It was a family reunion of sorts Friday for the city of Schenectady. Mayor Gary McCarthy led a local delegation to the Netherlands, where they visited Schenectady's sister city, Nijkerk, which is celebrating its 600th birthday. The trip is for two weeks and will be followed by a visit by their citizens at the end of July. A formal ceremony was held Friday to cement the relationship, which dates back to 1630, when Arendt Van ...
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text:
Old Fashioned Cornbread Stuffing
|Finely chopped celery
|1⁄2 Cup (8 tbs)
|Sliced fresh mushrooms
|1⁄2 Cup (8 tbs)
|Chopped onions
|1⁄3 Cup (4.8 tbs)
|Snipped fresh parsley
|2 Tablespoon
|Ground sage
|1 1⁄2 Teaspoon
|Unseasoned cornbread dressing cubes
|2 4⁄5 Cup (44.8 tbs)
|Defatted chicken broth
|1 1⁄2 Cup (24 tbs)
Preheat the oven to 350°.
Lightly spray a medium skillet with no-stick spray.
Add the celery, mushrooms and onions.
Cook and stir over medium heat until tender.
Stir in the parsley and sage.
Lightly spray a 1 1/2- to 2-quart casserole with no-stick spray.
Place the cornbread in the casserole.
Then add the onion mixture.
Drizzle with 1 cup of the broth.
Gently toss.
If necessary, drizzle with enough of the remaining 1/2 cup of broth to moisten the bread; gently toss to mix well.
Bake, uncovered, for 30 to 40 minutes or until heated through.
Recipe Summary
Rate It
Nutrition Rank
Nutrition Facts
Serving size
Calories 210 Calories from Fat 85
% Daily Value*
Total Fat 9 g14.5%
Saturated Fat 1.5 g7.3%
Trans Fat 0 g
Cholesterol 33.6 mg11.2%
Sodium 819.4 mg34.1%
Total Carbohydrates 22 g7.2%
Dietary Fiber 2.8 g11.3%
Sugars 3.6 g
Protein 11 g21.2%
Vitamin A 16.2% Vitamin C 20%
Calcium 8.6% Iron 8.2%
*Based on a 2000 Calorie diet


text:
- Services
- We strive to provide complete care for our patients. Learn more about all the services we provide.
You are using an outdated browser. Please upgrade your browser to improve your experience.
Located in the Tallahassee, FL's Eastgate neighborhood, under Charles D. Quarterman, DVM, Tallahassee Regional Animal Hospital (formerly AVS Animal Hospital) provides complete medical care for all types of Animals.
For after hours emergencies:
Allied Veterinarians' Emergency Hospital 2324 Centerville Road Tallahassee, FL 32308 (850) 222-0123
Pet Emergency? Read no further and call us right away!
If you live in Tallahassee or the surrounding area in FL, then you have picked the perfect site to find a veterinarian. Dr. Charles Quarterman is a licensed veterinarian, treating all types of pets and animals. Your pet's health and well being is very important to us and we will take every step to give your pet the best possible care.
Tallahassee Regional Animal Hospital is a full service animal hospital and will take both emergency cases as well as less urgent medical, surgical, and dental issues. Charles Quarterman is experienced in all types of conditions and treatments. Beyond first rate pet care, we make our clinic comfortable, kid-friendly, and a very calm environment so your pet can relax in the waiting room and look forward to meeting his or her own Tallahassee veterinarian.
We have a number of resources for you to learn about how to take better care of your pets. Browse around and look at our articles and pet videos. The best veterinary care for animals is ongoing nutrition and problem prevention. If you want to ask a question call 850-386-2854 or email us and we'll promptly get back to you. Our Tallahassee veterinarian office is very easy to get to, and you can find directions on our Contact Us page. You can also subscribe to our newsletter which is created especially for Tallahassee pet owners. In between your veterinary visits, your pet will benefit from you reading these free informative articles.
At Tallahassee Regional Animal Hospital, we treat your pets like the valued family members they are.
Dr. Charles Quarterman
Tallahassee Veterinarian | Tallahassee Regional Animal Hospital | 850-386-2854
2205 Danshire Dr.
Tallahassee, FL 32308
Featured Articles
Lengthy bouts of vomiting and diarrhea can be a sign that your pet has gastroenteritis, a common condition that occurs when the lining of the stomach and intestines becomes irritated. Since freque ...View Article
Anxious dogs tend to act out in ways their people do not like. If you have ever returned home to discover shredded pillows or bite marks on your front door, you are probably familiar with the cons ...View Article
Read the back of a pet food bag and you will see a long lists of ingredients that features a variety of preservatives and fillers. While these ingredients may keep the food fresh, they are not alw ...View Article
Have you ever tried to walk across the beach barefoot on a very hot day? After the first few steps, you probably set a new speed record as you sprinted to the water, or maybe you gave in and put o ...View Article
Winter is quickly becoming a distant memory as the days warm up and plants and trees come into bloom. Unfortunately, the change in seasons can cause unpleasant symptoms for pets that suffer from s ...View Article
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Exceptional Doctor, exceptional staff, exceptional facility. Your animals are treated like family. I wouldn't consider going anywhere else!
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Three-time NASCAR Sprint Cup Champion Tony Stewart talks racing with Chris Lincoln of Tulsa's Channel 8 Sports.
© KTUL | Portions are © Associated Press. All rights reserved. This material may not be published, broadcast, rewritten, or distributed.
KTUL ABC 8 provides local and national news, sports, weather and notice of community events in Tulsa, Oklahoma and surrounding towns including Broken Arrow, Owasso, Claremore, Jenks, Bixby, Coweta, Muskogee, Westport, Beggs, Okmulgee, Council Hill, Henryetta, Skiatook, Collinsville, and Bartlesville.


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Thanks for visiting the new home of OVERLORD SR or OSR!. This is the band from the 80's that was the featured Hard Rock Band on the Metal Blade Metal Massacre Vol. 8 as Overlorde and now Overlord SR! This is the place where you can check out all the latest news, photos, music and videos.Updates will happen to the site often so check us out as often as you like. The bands CD is sold out called "Still Standing". The band was signed to Audio Ferox Records out of Italy in 2015 with digital release on our CD Still Standing, Get the intire CD or single song for download. Look for the New Live CD release for 2016 titled "Still Alive and Standing". Release info soon to come. The band is currently in the studio working on New songs for the next studio CD for release in 2017 sometime.
Get your "New" Overlord SR phone App Now! Check out our video on You Tube form our Live show with the knights fighting during the song "Knights of the Realm". It is also in our video section on this page.
Overlord SR was nominated for Best Metal Album for the Year 2016 for the Album relase of "Still Standing" by IMEA, International Music Entertainment Association Awards. The Awards ceremony is in October near Nashville, TN.
Our latest interview in Fireworks Rock & Metal Magazine in the UK. Our song "Full Speed Ahead 2014" is on the CD that come with this magazine. Over 10,000 were pressed and sold.
The CD is Sold Out! called "Still Standing" with songs from 2015! You can get this on line for dowload from Audio Ferox Records at Amazon, Spotify, iTunes, Google Play, get the intire CD or just your favorite song.
Rear cover of the CD with the song titles.
Overlord SR latest photo in leather armor.
Wildman George Koerber with his latest endorsement The Dillon "Magellan Deluxe" Guitar. Go to www.dillonguitars.com and check out the "Magellan" and all their other models.
Wildman George says " I have played Gibson E/2 Explorers for years since 1980 but the Dillon "Magellan Deluxe" plays like butter and sounds awesome and for over half the price but not the quality, plays better than my Explorers and is fun to play!"
This is the current line up of OVERLORD SR for 2014. From L to R Craig Dunham, Bob Durocher, Steven V. Sosa Jr., Zip and Wildman George Koerber. Picture taken by Darrell Collins of Sound Images of NC LLC.
Our Release on Heavy Forces Records on Vinyl of Demo's and Live Material Never Heard Before. Titled "Medieval Metal Days The Demo Years". CD's and vinyl LP's can be purchased in our store on this page.


text:
3 posts tagged with jasonshiga.
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160 pages into his webcomic "Demon", Jason Shiga (previously on MetaFilter*) declares its intent - to "subvert the superhero genre", with a protagonist who is apparently quite immortal... which he doesn't realize until after a few suicide attempts (trigger warning: repetitive suicide including one later on that's rather obscene). But it's really much more complicated than that. And "superhero"? More like "supervillain". Just don't expect crazy costumes and other such tropes, we are doing some serious subverting. The story starts here. (Updated every weekday) [more inside]
In Fleep, a 44-page comic strip by Jason Shiga, the protagonist is trapped within a telephone booth sealed in concrete. Can he escape using what few resources are available to him?
Jason Shiga
If you think about it, the book is a pretty wierd (but efficient) way of storing information. Instead of being laid out in a continuous linear fashion, information is broken into roughly equal sized chunks. Then 50-70 of these chunks are printed onto these moveable flaps which all pile on top of one another.
Xeric grant winner Jason Shiga makes amazing, hilarious comics. You can get them in print or read many of them online.
Xeric grant winner Jason Shiga makes amazing, hilarious comics. You can get them in print or read many of them online.
Page: 1


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501 W Gaines St, Lawrenceburg, TN 38464 | 931-762-3291 | MAP
Prearrange a memorial that inspires, comforts and leaves a lasting legacy. Our experts will see to it that your final tribute is flawlessly carried out, just as you envisioned.
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A Dignity Memorial Provider
The staff of Pettus-Turnbo Funeral Home, a Dignity Memorial provider in Lawrenceburg, Tennessee, provides a high standard of unmatched, comforting services to help families honor loved ones.


text:
I go to Berklee College of Music and major in Electronic Production and Design.
This is a real-time sequencer machine for Ableton Live / Max for Live. IT is really dedicated to the design of unique sequences for idm, braindance music & polyrhythmic.
Scratchy is a standalone instrument for Mac and PC that produces noise.
For the Rotterdam Museumnight Rnul made this interactive sound and light installation where people could participate in.
Pedrodomus (NYC) and Naetron (ATX) have teamed up under court orders to release a truly metal, glitched-out, rock-solid EP.
Here is a run through of the setup for the laser controlled music thingy! This is not how it sounds as it is just ticking over whilst I am filming and when I do play it I only have one hand free! The basic premise is this; Light dependent resistors (up to 16 of them) are stimulated by lights and lasers passing over them and the change in resistance is measured by an Arduino Mega and sent over USB to a laptop running Window 7. The data streams are processed by OSC and Max/MSP, converted and sent to a variety of sound sources.
Sound Bouquet is an interactive sound sculpture placed in an urban public space polluted by noise.
Kaleidoscope Music is a six channel, real-time, algorithmic sound installation.
Crossole is a meta-instrument that allows you to control music in high level.
Umidade is a live interactive installation based on the Hades condemning of the Danaids (a Greek myth), where three performers (Ludmila Machado, Samir Andreoli and Stephane Paula) take a bath in front of four cameras, connected to two macbooks.
'Ad Sensorem' is my first, simple installation.
Around 8 months ago I posted a work-in-progress version of a max patch that was to combine the ideas (lite) behind the Large Hadron Collider research at CERN with an easy to use sound design instrument to aid engagement and make this fun.
MSP was a collaborative art-project that attempted to connect sound and light by focusing on their basic properties -- waves traveling through space.
Limited Edition of 500.
Alexander Schubert: "Bureau del Sol" for drumkit, saxophone and timecode-vinyl ~10' In "Bureau Del Sol" 2 musicians, playing acoustic instruments, interact with a third player controlling the live-electronics for the other two interprets.
Commissioned for SFMOMA's 75th anniversary in 2010, this site-specific installation by San Francisco-based sound artist Bill Fontana translates the architectural space below the museum's oculus skylight into a live, musical composition.
Here is a live performance from the UCSC Electronic Music Concert on November 14th, 2010.
At Zelig Sound, we found one of our composers/sound designers using Max/MSP to create very nice 'sonic-movements' and manipulations.
The Karman Objects are a set intangible human-computer interfaces for musical interaction.


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Representing the Black Female Subject in Western Art
by Charmaine A. Nelson
Routledge Studies on African and Black Diaspora
- #4 in Nonfiction, Art & Architecture, Art History, African
- #4 in Nonfiction, Art & Architecture, General Art, Art History, African
- #10627 in Nonfiction, Social & Cultural Studies, Social Science
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This book offers the first concentrated examination of the representation of the black female subject in Western art through the lenses of race/color and sex/gender. Charmaine A. Nelson poses critical questions about the contexts of production, the problems of representation, the pathways of circulation and the consequences of consumption. She analyzes not only how, where, why and by whom black female subjects have been represented, but also what the social and cultural impacts of the colonial legacy of racialized western representation have been. Nelson also explores and problematizes the issue of the historically privileged white artistic access to black female bodies and the limits of representation for these subjects. This book not only reshapes our understanding of the black female representation in Western Art, but also furthers our knowledge about race and how and why it is (re)defined and (re)mobilized at specific times and places throughout history.
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Representing the Black Female Subject in Western Art
by Charmaine A. Nelson
Routledge Studies on African and Black Diaspora
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by on October 28, 2016
eBook Details
- Taylor and Francis, June 2010
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Empire Ranch Golf Club
Main Number: 916.817.8100
Re-Gripping & Repair
Set up a tour for a closer look at Club golf.Set Up a Tour
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$3.00 charge to save any current Grip.


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The Dowroong Wittaya School is a private kindergarten, primary & secondary school just outside Phuket Town on Chaofa Road.
It is registered and approved by the Thai Minstry of Education. It has a good range of sporting facilities including a large swimming pool, sports field and a covered sports area.


text: Common diseases of ferrets (Proceedings) Aug 01, 2010 By Lori A. Corriveau, DVM CVC IN KANSAS CITY PROCEEDINGS 123456Next Insulinoma Very common in ferrets Tumor of the beta cells in the pancreas that secrete excessive levels of insulin Results in hypoglycemic episodes • Weakness • Lethargy • Salivation • Pawing at mouth • Seizures • Difficult to awaken from naps* Generally malignant with metastasis to the liver, spleen, and other tissues Presumptive diagnosis based on blood glucose level (<70mg/dl) More than 1 test: non-fasted and then 4-6 hours fasted Insulin levels can help to distinguish insulinoma from other causes of hypoglycemia Definitive diagnosis based on histopathology of biopsy samples taken at exploratory laporatomy Treatment Surgical • Debulk extensive tumor • "shell-out" suspicious nodules • Pancreatic lobectomy • Post-op pancreatitis is rare Medical • Dietary management o High protein o High fat o Frequent feedings o High sugar material on hand and to only be used in a hypoglycemic crisis • Chromium Picolinate may help in regulating glucose levels o Found in Brewer's yeast o 1/8 – 1/4 tsp per ferret 1-2 times per day • Prednisolone o Promotes gluconeogenesis by inhibiting glucose uptake by tissues o Raspberry flavored o Dose ranges: 0.1mg/kg – 4 mg/kg SID to BID o Start low then raise as needed to maintain adequate glucose levels • Diazoxide o Inhibits insulin release and reduces cellular uptake of glucose o Used alone or in conjunction with Prednisolone o Dose : 5-10 mg/kg BID While insulinomas are rarely cured, most affected ferrets can be reasonably controlled and will often live months to years following diagnosis 123456Next Hot topics on dvm360One-year license suspension ordered for Kristen Lindsey DVM360 MAGAZINE - Oct 19, 20165 things pet owners need to trash right now FIRSTLINE - Oct 04, 2016Top 10 confessions from emergency veterinarians DVM360 MAGAZINE - Sep 26, 20165 weeks to increased veterinary client visits dvm360.com - Sep 21, 2016Can you save this client? (Yes.) VETTED - Sep 19, 2016


text:
Online Bingo News
Read This for OMB Meet 2012 Information (01/05/2012)
Well well well, it's OMB Meet 2012 information time! This is a huge news post and we really need your help to make this the best Meet ever. Firstly, it's important to remember that we will never be able to have the meet close to everyone, nor will we be able to make it affordable to everyone...it's just not possible.
After a lot of thought, we've decided to go back to Blackpool. It might be a hassle for some of you - it certainly is for us lol - but we think it'll be fun in 5 years' time to still be having our Meets there etc.
We've learnt from our last Meet that trying to fit loads of stuff in just doesn't work. This Meet will be over two days and will be much more relaxed.
Now, the date...it's on OhMyBingo's free bingo birthday - the 7th of July! We'll meet on Saturday 7th of July at The Big Blue Hotel in Blackpool. Time to be confirmed. In the afternoon we'll head off clay pigeon shooting - sounds like lots of fun!
We'll return to the hotel bar for some downtime, chatting and maybe even our soon-to-be famous raffle. We'll then all have dinner together and play a few games of bingo with some cool prizes. We might even have a little awards ceremony!
After that, to bed...although who knows where the night will take us/you lol.
The following morning we'll all have breakfast together and say our goodbyes...and then head home.
Right, next thing to talk about is money. You will have to make your own way to Blackpool and pay for your accommodation. After that, you're done. OhMyBingo and our sponsors will cover your evening meal, shooting, bingo prizes, all our goody bag stuff that we love to do and maybe even the odd little surprise. Most importantly for some of you, we're pretty sure we'll be able to cover the bar!
We think it would be great if you stayed in The Big Blue Hotel - it's where we'll be staying, along with the CMs. Rooms book up quickly and the rate changes all the time, so we advise that you book asap. A double room for single occupancy is £85, at the moment. You might want to share to save on cost. It also includes your breakfast. There are some twin rooms available, so be quick. You WILL be able to find cheaper accommodation down the road, but think of how amazing it will be to fall into bed at the end of the evening :).
If you would like to come to the Meet, please email firstname.lastname@example.com. We will send you details for booking etc. Please don't forward this email on to your fellow roomies - we really need everyone to email individually so we can keep track of people. If you want to come with partners, they will be entertained in the same way as you :) - but please keep us posted, they can't just turn up on the day.
Lots more information is coming but you now know the date and location - so get involved! Let's make this Meet huge...we hope you can make the effort to come and we assure you that if you do, you'll be looked after :)
This post will be updated with new info in different colours - so please keep coming back to it.
This news story is property of OhMyBingo.com. Please do not reproduce without permission of the owners.
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|18-24 months before meeting
|GSA and Mtg Chairs finalize meeting timeline (no changes after this).
|12-14 months before meeting
|Mtg chairs attend the prior years section meeting to start promoting meeting, and to start gathering technical program, workshop, and field trip proposals.
GSA sends out email blast and creates web site to promote the need for techincal program, workshops, and field trips.
|8 months before meeting
|First Announcement due (published in GSA Today and website six months before meeting).
|6 months before meeting
|Abstract submission form opens (through ConfEx [Conference Exchange]).
|5 months before meeting
|Final announcement, with registration info, due (published in GSA Today and website three months before meeting).
GSA sends TPC (cc: Mtg Chair & Sec Secy) the At A Glance summary timetable and the Abstracts link to view what's being submitted.
|21 days before abstracts deadline
|GSA emails session chairs the [link] to their session so they can make sure abstracts are being submitted.
GSA sends email blast to all members to inform of approaching abstract deadline.
|14 days before abstracts deadline
|GSA sends ConfEx login info to TPC, theme and symposia organizers.
GSA reviews with TPC meeting duties and ConfEx operation.
|5-7 business days before abstracts deadline
|GSA sends email blast reminder to section members that abstracts deadline is a week away.
|Day before abstracts deadline
|GSA sends reminder email to session chairs that today/tomorrow is abstract deadline (ONLY if needed).
|No abstracts accepted after this date.
|One day after abstracts deadline:
|TPC: Review discipline abstracts and move into appropriate theme session.
TPC: Review theme session counts and decide which sessions to cancel and which need more than one session ie. poster sessions or part II oral sessions (work with GSA).
TPC decides how long session chairs (and then TPC) will have to organize everything.
GSA deletes any incomplete abstracts.
GSA creates "Abstracts Pool" session in theme and symposia (for session chairs to move abstracts to discipline sessions).
|1-2 days after abstracts deadline
|GSA sends organizing instructions to session chairs (reviewed by TPC).
TPC: Decide on length of presentations (15 or 20 minutes) and when poster authors will be present.
|5-7 days after abstracts deadline
|Session chairs finish organizing.
TPC creates discipline sessions as needed; add session chairs to oral discipline sessions (work with GSA).
|14-21 days after abstracts deadline
|TPC finishes organizing program; sends room/date/time/session info to GSA, entered into Confex.
Work out any presentation conflicts & room conflicts.
Front matter for program book due from Mtg Chair.
|~ 3 weeks after abstracts deadline
|GSA emails acceptance/rejection notices about five days before programs are sent to pre-press.
Program sent to pre-press: no changes after this point.
Mtg Chair, Sec Secy, TPC and GSA staff quickly review final program.
Send info on any newsworthy abstracts reports to Christa.
Program book is finalized and printed.
Website updated with all technical program info.
Printed programs sent to meeting site with GSA registration materials before meeting.
|4 weeks after abstracts deadline
|Immediately after meeting; available up to 2 months after meeting. Authors offered opportunity to upload their meeting presentations to GSA abstracts online.


text:
The League of Women Voters is a nonpartisan political organization encouraging the informed and active participation of citizens in government. It influences public policy through education and advocacy.
Bookmark Design Honorable Mention
(L-R) Robyn Prud'Homme-Bauer, LWVAZ President; Carol Mattoon, LWV/NWMC Election Protection program coordinator; Sean McIntryre, 3rd place winner; Madison T. Clark, 2nd place winner; Patric Renzo Del Rosario, 1st place winner - all from Valley Vista High School.
The following link is to a hearing on the California aid in dying bill, which is worth watching. It is a little over an hour long, but both sides of the issue are very well presented.


text:
The First-Year Studies Program is committed to providing opportunities for first-year students to explore the topics of health and wellbeing. These two concepts play a vital role in the success of first-year students. College students need to learn the importance of taking care of one's self. A variety of programs are developed to help address the needs of the first-year students to maintain a positive, healthy life style. The First-Year Studies Program works collaboratively with the University Wellness committee.
For more information, please contact Jennifer Krueger, Director of the First-Year Studies program, (920) 923-8723.
There are 11 syrup flavors at Marian's coffeehouse (Source: Sodexo Dining Services).
Marian University
45 S. National Ave.
Fond du Lac, WI 54935-4699
All Locations
© Copyright 2015 Marian University • Founded 1936 • Sponsored by the Congregation of Sisters of St. Agnes • Accreditation • Contact Us • Privacy Policy • Consumer Information


text:
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Woodwind Accessories
Results 1 - 40 of 1284 matches
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Lg¨re Signature Series reeds are used by professionals and are considered comparable to the best cane reeds....$28.99Compare Compare Now site1prodH68170
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Top RatedVandoren Tenor Saxophone Reeds
Top-selling reeds have very thin tip balanced by a solid vertebral column. Box of 5.$22.99Compare Compare Now site1prod462591
Earn 2X PointsRico Royal Alto Saxophone Reeds
10 french filed replacement reeds for students and professionals alike. Suitable for a range of playing...$27.99Compare Compare Now site1prod462701
Earn 2X PointsRico Royal Bb Clarinet Reeds, Box of 10
10 replacement reeds suitable for a range of playing situations. French filed. Priced right.$20.99Compare Compare Now site1prod462707
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Best SellerLegere Signature Series Tenor Saxophone Reed
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Top RatedFibracell Premier Synthetic Tenor Saxophone Reed
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5 replacement sax reeds feature a different cut for a modern sound.Starting at $22.99Compare Compare Now site1prod462588
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Best SellerVandoren M15 Bb Clarinet Mouthpiece
At last, a mouthpiece which enables you to play strong reeds with a great blowing ease. The M15 is a 13 Series...Starting at $94.99Compare Compare Now site1prod463125
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Top RatedProtec Padded Saxophone Neck Strap
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Best SellerLegere Bb Clarinet Reed
Made of a new low density material that is extremely similar to conditioned cane, the Legere reeds represent...$19.99Compare Compare Now site1prod471556
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Best SellerJodyJazz DV Tenor Saxophone Mouthpiece
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Earn 2X PointsD'Addario Woodwinds Select Jazz Filed Tenor Saxophone Reeds
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- 5 Open Box:
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Top RatedMeyer Hard Rubber Alto Saxophone Mouthpiece
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Top RatedStandard Replacement Woodwind Mouthpieces
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- 9 Open Box:
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Owning and playing an instrument is a rewarding hobby, but it can also be a big job. Like any instruments, your woodwinds need your support to stay in good shape and produce consistent sound. In accessories, you'll find the tools you need to keep your instrument in peak condition, as well as extras for personalizing your woodwinds and the way you play them. Naturally, the reed is one of the most important parts of a woodwind instrument—so there are dozens of reeds to choose from. Reeds are a matter of preference, and since the hardness and thickness of a given style will vary between reed-makers, it's a good idea to start with a small pack when trying out a new reed to hear it in action before stocking up. You might also want to keep a handful of different reeds in your collection, which will allow you to choose the one with the best tone for each venue and genre you play. Mouthpieces go hand-in-hand with reeds, and also deserve careful consideration. A metal or even crystal saxophone mouthpiece, for example, can give your sound a completely different edge when compared to a traditional hard rubber mouthpiece. Along with the mouthpiece, choose your own ligature that's the best fit for your preferred reed and add a quality cap to protect the mouthpiece and reed from dust, drying and chipping. A variety of cases and stands will safely get your instrument from home to venue and put it at your fingertips on the stage. Use straps or harnesses to help support your instruments while you play, making long shows easier on your back and arms. Replace the pads on your keys when they start to get worn, and of course, take care of all your do-it-yourself maintenance with repair kits and care products including germicides, cleaning solutions, swabs, cleaning rods and more. Whichever woodwind instruments you play, keeping yourself stocked up with the accessories you need will help you to get the most out of them. Taking care of your instruments isn't just a good idea, it's essential to preserve the quality of their sound.


text:
Couldn't Find that but we did find this related to 'hughes':
"Lord of the Thrones" at Spoke Art
Lord of the Thrones is an art show in tribute to the two greatest fantasy epics of all time, Lord of the Rings and Game of Thrones. Inspired by the legendary literary works of George R.R. Martin and J.R.R. Tolkien, the exhibition features an array of original paintings and limited edition prints by an all-star roster of international artists.June 15, 2016
Kyle Hughes-Odgers "A Survival Guide" @ Swinton Gallery, Madrid
"A survival guide", solo show by the australian artist Kyle Hughes-Odgers runs from October 23rd to November 28th 2015 at Swinton Gallery. This exhibition is the final outcome from a 1 month residency in Madrid and the end of 3 months on the road and it is the first time that the artist shows his work in Spain.October 28, 2015
DIA-Commissioned Artist's Renderings of Soviet Weaponry
During the Cold War, the DIA commissioned artists to illustrate accurate portrayal of Soviet military systems to accompany official briefings. The collection contains more than 1000 paintings and drawings completed between 1965 and 1989. Computer-generated graphics would replace this type of illustrated art in the late 80s.August 31, 2015
"The Color of Strangeness" @ Spoke Art, SF
It's your last chance to catch "La couleur de l'étrangeté: Jeunet & Caro" ("The Color of Strangeness: Jeunet & Caro") an art show triute to two French film-makers, Jean-Pierre Jeunet and Marc Caro at Spoke Art in San Francisco. Over 70 international artists were invited to create new original paintings and limited edition prints in tribute Jeunet and Caro's films, who are known for cult classics such as Amelie, The City of Lost Children, and Delicatessen.May 28, 2015
Bad Dads V: An Art Show Tribute to the Films of Wes Anderson
Following the incredibly popular exhibitions of years past, Bad Dads continues to grow and progress as a dynamic group exhibition. This year over 80 artists were invited to contribute an original work of art, spanning from paintings to sculptures to limited edition screen prints, all in tribute to one the world's most noteworthy filmmakers. The exhibition ends this Saturday, November 22nd.November 17, 2014
Watch: How Warhol's Amiga Experiments Were Unearthed
As you know by now, the Andy Warhol Museum recently announced newly-discovered experiments created by Andy Warhol on an Amiga computer in 1985. Warhol's saved files, trapped on Amiga floppy disks held by The Warhol's archives collection, were extracted by members of the Carnegie Mellon University (CMU) Computer Club and its Frank-Ratchye STUDIO for Creative Inquiry in a complex recovery process...May 13, 2014
Austin McManus's "Partner in Crime" prints with 1XRUN
I took the original photograph that inspired the Partner in Crime series under a bridge near Yosemite National Park in California. There were layers of civilian graffiti on the wall and we decided to add some of our own. My friend Lauren had never used a spray can before and took a turn. I shot a few photos while she sprayed and I didn't look at them for another year or so. I remember vividly how wide her smile was and how ecstatic she was after doing it.January 29, 2014
Jack Hughes' Fine Taste
Jack Hughes is an illustrator based in London. He studied illustration and animation at Kingston University, and upon graduating in 2011 has since been freelancing full-time. Jack recently provided all accompanying illustrations for The Gentleman's Guide to Cocktails, which gave him a great opportunity to explore his love of mid-century design, fashion and cocktails...October 16, 2013
Jocko Weyland "Crackle, Hiss, and Scrawl" @ Ever Gold Gallery, SF
Definitely recommend checking out Jocko Weyland's Crackle, Hiss, and Scrawl opening at Ever Gold Gallery in SF tonight, October 11. If you like Maxell tapes, cassettes, things that require tape, actual written documentation of things, punk, skate art and history, photography, and underground culture, this is the show for you...October 11, 2013


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Polokwane debt counselling
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Debt counselling was introduced by the National Credit Act (NCA) in 2007. Since then, about 402 000 consumers have applied for debt counselling, over R10 billion has been paid to credit providers by consumers in debt counselling, and every month about R255 million is collected from consumers in counselling and paid over to their creditors. It is estimated that 110 000 consumers are in debt counselling.
Statutory debt counselling is designed to provide over-
There are disadvantages to both administration and sequestration. For example, you may apply to have your debt placed under administration only if your total debt is less than R50 000, and the administration charges are high at 12.5 percent of every installment paid. And when you go into sequestration, you lose your assets and have to obtain permission from the court-
Rehabilitation – and, to some extent, empowerment – of the over-
But due to the poor drafting of the NCA and key court rulings in favor of credit providers, consumers in debt counselling can still find themselves cornered by their creditors and may feel let down by the process as a result.
Before you go the debt counselling route, you need to understand precisely what you are in for, including your responsibilities and the rights accorded to you by the NCA.
1. You may not qualify for debt counselling
Anyone can apply for debt counselling, but not everyone will qualify.
To qualify for debt counselling, you need to be over-
If a debt counsellor finds that you are not over-
If you are not over-
Kedilatile Malakalaka, debt counselling manager at the National Credit Regulator (NCR), says that if a debt counsellor concludes that you are not over-
"A magistrate can order a debt counsellor to put a consumer under debt counselling," Malakalaka says.
Paul Slot, president of the Debt Counselors' Association of South Africa (DCASA), says if you have no income, or if you will not be able to repay your debts in a reasonable time, debt counselling is probably not for you.
2. It's going to cost you
The bad news for the over-
The fees are as follows:
* An application fee.. fee of R50 is payable by anyone who applies to a debt counsellor for a debt review – this is an assessment of your finances to determine whether or not you are over-
*. rejection fee. If a debt counsellor determines that you are not over-
The application and rejection fees are the only fees that you must pay directly to a debt counsellor. All the other fees are worked into your restructured repayment, which is a single amount paid monthly to a payment distribution agency (PDA).. PDA is an entity accredited by the NCR to collect repayments from over-
* The debt counselor's fee – also known as a restructuring fee – is a maximum of R6 000 (excluding VAT), or the first installment of your restructured repayment, whichever is the lesser. This means that if your installment is less than R6 000, your debt counsellor may charge you no more than the installment.
* After-
Slot says the fees listed above are the maximum fees and in practice the debt counselor's fees paid by consumers are usually much lower. "The average fee ranges between R1 500 and R2 800," he says.
It is also important to know that, if you withdraw from debt counselling after the debt counsellor has finalized the negotiations with your creditors to restructure your debt repayments, you will be liable for a fee equal to 75 percent of the restructuring fee.
And if your debt counsellor fails to submit proposals to your creditors or refer your matter to the National Consumer Tribunal or a magistrate's court within 60 days from the date of your application, you are entitled to a full refund from the debt counsellor.
3. You may be in for some legal fees
Any legal fees for which you are liable must be disclosed to you up front and in writing by your debt counsellor.
A consent order, for example, will cost you R750. (A consent order is an agreement between you and your creditors on a debt rearrangement plan.) This fee may be deducted only in the second month of debt counselling. If your affairs cannot be resolved through a consent order and there are additional costs for further legal proceedings, these costs must be negotiated with you separately. Your debt counsellor should be able to produce pro forma invoices issued by his or her lawyers for legal services.
It's important to find a debt counsellor who works with an attorney who is proficient in the complexities of debt counselling matters and who can bring your matter to court within the 60 days permitted for your debt to be restructured.
4. Some of your debts can be excluded
If, before you applied for debt counselling, you were in default and a credit provider began legal proceedings against you, that debt can be excluded from debt review. This underlines the importance of applying for debt counselling before it is too late.
If terms of the NCA, before a credit provider can launch default proceedings, the provider must notify you in writing of your right to refer the credit agreement to a debt counsellor, an alternative dispute resolution agent, the Credit Ombud or a consumer court in an attempt to resolve any dispute or agree on a plan to settle your debt. This notification from the credit provider is known as a section 129 notice, and it gives you 10 days in which to respond.
Malakalaka says that, although the NCR believes a section 129 notice is a notice of impending legal action in the spirit of the Act, according to recent case law, the interpretation is that the credit provider has already started "enforcing" the debt. In other words, the section 129 notice constitutes legal action and means that the credit agreement is excluded from the protection of debt counselling.
"Consumers need to make sure that they don't get that letter by staying on top of their debts," she says.
Slot says this interpretation is "grossly unjust to consumers" in that it denies you a remedy (debt counselling) offered to you in the notice.
"It could never have been the intention of the Act. Where legal enforcement has commenced, the consumer is also required to pay the legal cost of obtaining judgment, which is usually a High Court application," Slot says.
The important thing to remember about a section 129 notice is that it must be delivered to you, and a credit provider must be able to prove that it was delivered. This is according to a Constitutional Court ruling (in the matter of Sebola versus Standard Bank).
In the past, it was sufficient for a credit provider to show that it had sent a section 129 notice to your address; it didn't matter whether or not you had received it. Now, if you didn't receive the notice and the credit provider cannot prove that it was delivered to you, you can contest proceedings on the basis that you did not receive it and were therefore unaware of your rights.
5. You're not entirely safe from creditors
Although debt counselling is supposed to protect you from litigious creditors, your creditors can withdraw from the debt counselling process after 60 business days of the date on which you applied for debt counselling. This withdrawal is called termination, and it occurs when a credit provider issues you with a section 86(10) notice. In effect, it means that the credit provider pulls its credit agreement/s out of debt counselling, and can proceed with legal action against you. This notice must be given to you, the consumer in debt counselling, to your debt counsellor and to the NCR.
Section 86(10) of the NCA says that "if a consumer is in default under a credit agreement that is being reviewed in terms of this section, the credit provider … may give notice to terminate the review in the prescribed manner … at any time at least 60 days after the date on which the consumer applied for the debt review".
In addition to default, the common reasons for termination include:
* The credit provider's non-
* Short payments, no matter how small the amount. If you agreed to pay your creditor, say, R500 a month and you pay even R10 less, you are in breach of the court order.
Slot says that, every month, credit providers terminate about 3 500 credit agreements and withdraw from the debt review process.
"You can be issued with a section 86(10) even if the matter [your application for a consent order] is pending before a court. Nowhere in the world can a notice by a credit provider terminate a court application. Many credit providers are terminating debt review after 60 days," he says.
Malakalaka says interpretation of section 86(10) by case law has proved to be one of the biggest loopholes in the Act.
"We believe this is not in the spirit of the Act.
"It is a challenge in some magisterial districts for debt counselors to get matters heard within the 60 business days. But if an order is granted within the 60 days and the consumer is making payments, then the credit provider has no legal right to do this. [However,] if there is a court order, it is binding on all parties. If the 60 business days lapse before the matter gets to court, then the credit provider has the right to terminate," Malakalaka says.
6. You're protected from further indebtedness
When you fall behind on your repayments, you become liable not only for the principal debt, but also for interest and collection costs. Collection costs refer to the amounts that a credit provider may charge to enforce the credit agreement. Enter the in duplum rule, which has been described as "the best-
In duplum, in our common law, limits the interest that a creditor may charge on an account in arrears. The common law rule holds that interest stops accumulating once the unpaid interest equals the outstanding debt. The NCA provides an extension of the in duplum rule by limiting the interest and "all" other costs that a creditor may charge on an account that is in arrears.
According to The Credit Guide by attorneys Nicky Campbell and Stephen Logan: "The NCA … broadens the previous protection to include collection costs that were previously excluded. The maximum amount that can be collected is double the capital amount outstanding at the time the consumer defaulted, including any interest or collection costs. The limit on interest and costs that may be charged therefore protects debtors from exploitation by creditors."
For example, if you borrow R10 000, and end up owing interest and costs of another R11 000, and repay only R3 000 of the capital, the maximum amount that can be recovered from you is the unpaid capital of R7 000, plus interest and costs up to another R7 000. If, however, the interest and costs amount to only R4 000, the most that can be claimed from you would be R7 000 plus R4 000.
In other words, Campbell and Logan say, the following amounts, when added together, may not exceed the unpaid balance of the principal debt under a credit agreement as at the time that the default occurs:
* Initiation fee;
* Service fee;
* Interest;
* Cost of credit insurance;
* Default administration charges; and
* Collection costs.
Malakalaka says in duplum is a "good weapon" in the hands of a debt counsellor, because all charges stop when they reach [an amount equal to] the outstanding debt.
Slot agrees, but says it is "not implemented or applied by most credit providers". The credit industry is waiting on the regulator to issue a non-
7. You will not have access to more credit
In terms of the NCA, credit providers are prohibited from lending to consumers while they are in debt counselling, unless the loan is a consolidation loan and does not result in greater indebtedness.
When you enter into debt counselling, this is noted in your credit records (held with the various credit bureaus) and remains there for as long as you are in debt counselling.
The effect is that you are not eligible for more credit until you are issued with a clearance certificate by your debt counsellor. The repercussions of this are far-
Logan says this ought not to be the case. "The idea is to terminate debt counselling as soon as the consumer is financially stable and able to resume normal monthly repayments. In most cases, consumers are able to resume their normal monthly repayments within five years."
Given the cost of extended credit terms (the cost of paying over a longer period, such as a home loan extended from 20 years to 30 years), Logan says consumers should remain in debt counselling only in cases where credit providers have agreed to substantially lower interest rates.
"Debt counselors have a perverse incentive to keep clients in debt counselling for as long as possible because of the annuity income that they derive (as a percentage of your repayments)," he says.
8. Not all debt counselors are alike
The competency and skills of debt counselors differ significantly, according to an assessment of debt counselling in South Africa by the University of Pretoria Law Clinic last year. Some debt counselors are highly skilled and professional, whereas others provide substandard services to clients.
Finding a debt counsellor is easy, but finding a good one is anything but. Word of mouth is often a good gauge, but since people are generally ashamed of being in debt, not many will admit to being in debt counselling, let alone volunteer a recommendation.
Van Schalkwyk says it is "very difficult for a consumer to ascertain" whether a debt counsellor is any good. "Before engaging the services of a debt counselors, it's imperative to check the regulator's website to ensure that the debt counsellor is registered."
Logan suggests that clients do a site visit and check whether the debt counselor's offices appear neat and well organized. Malakalaka says you should also look out for the registration certificate bearing the NCR's logo, as well as the window decal, which should be prominently displayed where the debt counsellor practices.
The number of years the debt counsellor has been in business and other qualifications, such as the counsellor also being an attorney, are good indicators of competence, he says.
Call the NCR on 0860 627 627 for a list of registered debt counselors or go to www.ncr.org.za and click on "Register of registrants" at the bottom of the home page.
Only people who are qualified and who are registered with the NCR may offer debt counselling services. "Also find out if the they belong to an industry association, which is usually a good sign," Van Schalkwyk says.
When a credit provider gives you credit without checking your credit record, or fails to determine that you understand the risks and costs of the credit agreement, the provider is guilty of what is known as reckless lending. The NCA makes provision for relief for consumers who have been granted credit that they could not afford.
9. Reckless lending: you have recourse
When assessing whether or not you are over-
Even if the debt counsellor finds that you are not over-
Only a court can declare that a credit agreement is reckless. If a court does so, the credit agreement may be fully or partially unenforceable and the credit provider may lose all or part of the money advanced to you. This means that any money owed by you is no longer owed, and any money already paid is either refunded to you or forfeited. The court decides what is appropriate in the circumstances.
Note that you can't claim that you are a victim of reckless lending if you were not fully truthful when the credit provider did an affordability assessment on you. If the court or National Consumer Tribunal finds that you failed to provide truthful answers and that this significantly affected the credit provider's ability to make a proper assessment, you lose your right to have the agreement declared reckless.
10. You can't wash your hands of your debts
Being in debt counselling is not a "get-
Logan advises you to check that your payments to the PDA are being paid over to your creditors, and make sure that these payments are reflected in your monthly statements from your creditors.
Van Schalkwyk says that debt counselling often falls down at the proposal stage: "The proposal will go to the credit provider, who will, in turn, make a counter proposal. You need to know what that proposal is and if you can afford it. You need to find out what the process is and keep up to speed with your debt counsellor.
"It's onerous,. agree. But the risks of not being informed every step of the way are way too high: you stand to lose your home or your car.
"We find that a lot of problems with debt counselling stem from the lack of communication between consumers and debt counselors, who are their agents, appointed and paid for. Consumers are only too happy to hand over their problems to their debt counselors, in the misguided belief that all their problems are solved. That is a very dangerous attitude to adopt. Your problems have not gone away, and they are still your problems," Van Schalkwyk says.
Slot says debt counselling does not provide you with a "payment holiday".
You must make debt payments every month from the first month that you apply for debt counselling, and while you are in debt counselling, you must make sure that you never miss a repayment, because this will automatically nullify the process and your credit providers will be entitled to take legal action against you.
Not all accounts on which you are charged interest are classified as "credit agreements" in terms of the National Credit Act (NCA). Municipal accounts, cell phone accounts, legal bills, school fees, and doctors' and hospital accounts are examples of "incidental credit agreements". With these types of accounts, the interest falls due only if you fail to pay for the goods or services on time, usually within 30 days.
In effect, these accounts are treated as if they were a credit agreement only if you default on the payment and are charged interest.
If you are over-
Kedilatile Malakalaka, manager of debt counselling at the National Credit Regulator (NCR), says in terms of section 86(2) of the Act, credit agreements (including incidental) where legal steps have not been taken should be included in a debt review. "Non-
The Act caps the interest rate that can be levied in terms of an incidental credit agreement. It is currently two percent a month.
The Act defines an incidental credit agreement as an agreement in terms of which an account was tendered for goods or services that have been provided to a consumer, or for goods and services that are to be provided to a consumer over a long period of time, and where either or both of the following conditions apply:
*. fee, charge or interest became payable when payment of an amount charged in terms of that account was not made on or before a determined period or date; and/or
* Two prices were quoted for settlement of the account, the lower price being applicable if the account is paid on or before a determined date, and the higher price being applicable due to the account not having been paid by that date.
Groenkloofdebt counselling
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Mooikloofdebt counselling
Woodhilldebt counselling
Faerie Glendebt counselling
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Montanadebt counselling
Sinovilledebt counselling
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Brakpandebt counselling
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Springsdebt counselling
Tembisa debt counselling
Newcastle debt conselling
Ulundi debt conselling
Dundee debt conselling
Ladysmith debt conselling
Vryheid debt conselling
Zululand debt conselling
Berea debt conselling
Musgrave debt conselling
Chatsworth debt conselling
Greyville debt conselling
Morningside debt conselling
Phoenix debt conselling
Estcourt debt conselling
Greytown debt conselling
Howick debt conselling
Kokstad debt conselling
Pietermaritzburg debt conselling
Richmond debt conselling
Ballitoville debt conselling
Empangeni debt conselling
Eshowe debt conselling
Ilembe debt conselling
Dolphin Coast debt conselling
Richards Bay debt conselling
Durban North debt conselling
Mount Edgecombe debt conselling
Tongaat debt conselling
Umdloti Beach debt conselling
Umhlanga debt conselling
Verulam debt conselling
Amanzimtoti debt conselling
Bluff debt conselling
Glenmore debt conselling
Glenwood debt conselling
Isipingo Beach debt conselling
Kingsborough debt conselling
South Beach debt conselling
Umkomaas debt conselling
Drummond debt conselling
Gillitts debt conselling
Hillcrest debt conselling
Kloof debt conselling
New Germany debt conselling
Pinetown debt conselling
Queensburgh debt conselling
Reservoir Hills debt conselling
Waterfall debt conselling
Westville debt conselling
Atlantic Seaboard
Bantry Bay, debt counselling
Camps Bay, debt counselling Clifton, debt counselling
Green Point, debt counselling
Waterfront, debt counselling
Hout Bay, debt counselling
Mouille Point, debt counselling
Sea Point, debt counselling
Three Anchor Bay, debt counselling
Cape Flats
Athlone, debt counselling
Blue Downs, debt counselling
Delft, debt counselling
Elsie's River, debt counselling
Gugulethu, debt counselling
Khayelitsha, debt counselling
Mitchell's Plain, debt counselling
Cape Town
Century City, debt counselling
City Centre, debt counselling
Devils Peak, debt counselling
De Waterkant, debt counselling
Foreshore, debt counselling
Gardens, debt counselling
Higgovale, debt counselling
Oranjezicht, debt counselling
Salt River, debt counselling
Tamboerskloof, debt counselling
University Estate, debt counselling
Vredehoek, debt counselling
Woodstock, debt counselling
Cape Winelands
Ashton, debt counselling Ceres, debt counselling
Franschhoek, debt counselling
Paarl, debt counselling
Robertson, debt counselling
Stellenbosch, debt counselling
Wellington, debt counselling
Central Karoo
Beaufort West, debt counselling
Klein Karoo, debt counselling
Laingsburg, debt counselling
Prince Albert, debt counselling
Eden George, debt counselling
Knysna, debt counselling
Mosselbaai, debt counselling
Oudtshoorn, debt counselling
Plettenberg Bay, debt counselling
Gordon's Bay, debt counselling
Somerset West, debt counselling
Strand, debt counselling
Northern Suburbs
Bellville, debt counselling
Brackenfell, debt counselling
Durbanville, debt counselling
Edgemead, debt counselling
Goodwood, debt counselling
Kensington, debt counselling
Kraaifontein, debt counselling
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Parow, debt counselling
Bredasdorp, debt counselling
Caledon, debt counselling
Cape Agulhas, debt counselling
Hermanus, debt counselling
Swellendam, debt counselling
Southern Peninsula
Fish Hoek, debt counselling
Glencairn, debt counselling
Kalk Bay, debt counselling
Kommetjie, debt counselling
Muizenberg, debt counselling
Noordhoek, debt counselling
Scarborough, debt counselling
Simon's Town, debt counselling
Southern Suburbs
Claremont, debt counselling
Constantia, debt counselling
Crawford, debt counselling
Diep River, debt counselling
Heathfield, debt counselling
Kenilworth, debt counselling
Kenwyn, debt counselling
Lansdowne, debt counselling
Meadowridge, debt counselling
Mowbray, debt counselling
Newlands, debt counselling
Observatory, debt counselling
Plumstead, debt counselling
Retreat, debt counselling
Rondebosch, debt counselling
Tokai, debt counselling
Wynberg, debt counselling
West Coast
Blouberg, debt counselling
Cederberg, debt counselling
Citrusdal, debt counselling
Clanwilliam, debt counselling
Flamingo Vlei, debt counselling
Langebaan, debt counselling
Melkbosstrand, debt counselling
Milnerton, debt counselling
Parklands, debt counselling
Redelinghuys, debt counselling
Saldanha, debt counselling
Tableview, debt counselling
Velddrif, debt counselling
Vredendal, debt counselling
West Beach, debt counselling


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trail less travelled to inca ruins
Recently Intrepid Express was in search of second best travel tales and this winning story from Collin Littlewood confirms why taking the trail less travelled can be the highlight of any classic journey…
"My travel experience comes from what some might consider to be the 'second best' journey to Machu Picchu. Rather than join the 500 tourists a day on the classic Inca Trail, I chose to be a part of an adventure, which among the other amazing experiences of the Lima to La Paz trip, included trekking an Andean Inca Community Trail in the vicinity of Machu Picchu.
100th anniversary of Machu Picchu's rediscovery
The Lost City of the Incas was an immediate best-seller upon publication in 1948 and its author, Hiram Bingham, is credited with bringing Machu Picchu to the attention of the world. He was absolutely thrilled to rediscover the Inca city on 24 July, 1911, and one hundred years on the marvelous Machu Picchu holds just as much fascination, as Susie Elwood explains…
"It was one of those take-your-breath-away travel moments – trudging along the Inca Trail for days, then reaching the Sun Gate in time to see the light of day illuminate Machu Picchu. I've seen pyramids, the Great Wall, Angkor Wat and other iconic sites, but there is something about this place that is much more riveting.
ode to the inca trail
Machu Picchu: one of those magical places that will either render you speechless or cause you to instantly want to put your experience into words. Sean Kennaway was so inspired by his Intrepid adventure that he penned this ode to the Inca Trail…
"The dawn bus rattled over the cobblestone streets of Cuzco
As we ventured towards the Inca town of Ollantaytambo
A trek to the mythical citadel of Machu Picchu was set
Day one of the Inca Trail lay ahead
The festive spirit of Puno
Puno is renowned as Peru's folklore capital. It's evident why if your visit coincides with Fiesta de la Virgen de la Candelaria in February or La Diablada, the fantastic Puno festival that Liz Foster happened upon in November…
"After spending a fantastic night, although a very cold one, on an island on Lake Titicaca, we returned to Puno. The city was in the full swing of a fabulous festival. A festival that pays respect to the ancient spirits of Lake Titicaca.
The marvel of Machu Picchu
Every day Machu Picchu attracts adventurers, archaeologists, photographers and intrigued travellers to view the amazing Inca city. Many will make the challenging trek to this New 7 Wonders of the World, but although Lisa Rollinson took the easier route she was still overcome by the legendary site…
"I had heard tales about the mystique of Machu Picchu and dreamed of visiting the ancient ruins since I was young. I had seen pictures and read books, but finally the time came for me to jump on a plane and visit this man-made wonder for myself.
The soul of Inca Trail treks
When you are trekking the Inca Trail at an average altitude of 3700m, it's very comforting to know that you have a crew keeping you safe, preparing your meals, pitching your tent and carrying the bulk of your load!
Of the 500 trekkers a day on the classic Inca Trail trek and on the alternative routes, more than half the trekkers are the guides, cooks and porters, who help travellers have an enjoyable trek up to the magnificent and sacred site of Machu Picchu.
wiñaypaq needs more than words
Early last year, heavy rain, flooding and mud slides caused loss of life and devastation to many communities in Peru, including several in the Sacred Valley near famous Machu Picchu. One of the tragic casualties of the floods was the Intrepid Foundation supported Wiñaypaq school at Taray – the classrooms, kitchen, fish farm, workshops and teacher's room were all left in ruins.
Established in 2005, this school provided free primary education in Quechua and Spanish to needy local children in a disadvantaged rural area. The great news fresh in, is that a new school has almost reached completion. Waltraud Stolben, the school's founder, was absolutely determined that there be minimal disruption to the children's education, so while their classes continued at a temporary location, new buildings were built with support from many Intrepid traveller donors.
high altitude trek or a huaraz haircut?
It can be so nice to take time out and treat yourself while travelling, so when Intrepid Express reader Julie Davis discovered she would be in Peru for her birthday, she figured the ideal way to feel pampered would be to have a haircut. But that was just the start of her birthday celebrations…
"My birthday was never the best time of year, as it is in December and most of my friends went away on holidays when I was younger. So when I was travelling through South America heading to Brazil, I decided that my birthday celebration could wait until Carnival. After all, I was travelling on an overland adventure and the trip itself was my present.
Alpaca pillow talk in Peru
One alpaca, two alpaca, three alpaca, snore – do you think Peruvians count alpaca rather than sheep to bring on sleep? Intrepid's Chotie Moloney snuggled up in a cozy bed of alpaca blankets on her most memorable homestay in Peru…
"Lake Titicaca has fascinated me ever since I was a child. Imagine living on man-made reed islands in the largest lake in South America and could the colour of the water really be so dark blue that it is nearly purple? I couldn't believe I was going to actually experience a Titicaca island homestay!
a machu picchu wish
Before you blow out your candles on your next birthday cake, maybe you'll want to make a wish like Intrepid Express reader Michelle Geraghty…
"At this point, I've had 31 birthdays – each one of them being pretty special… whether it was spending it at my granny's when I was 4, because I got the bicycle of my dreams at the age of 12, because I got to take photos of Uluru changing colour at sunset when I turned 28 or because I was surrounded by mates having a wicked weekend on the Aran Islands off the west coast of Ireland when I hit the ripe old age of 30. Each of them, a happy memory that's etched in my mind forever.
But none stand out like my 29th birthday, when I found myself breathless from the altitude (not the trekking – honest!) on the Lares Trail in Peru. Visiting Machu Picchu had been on my 'To Do' list for a while, and I'm not the type of person to take an easy route there!


text:
WikiLeaks unveiled yet another highly damaging e-mail for the Clinton campaign Thursday, this one drawing big bold lines between former President Bill Clinton and the companies that helped make him rich. "It reveals a tangled web of charity and personal financial enrichment in what the aide calls 'Bill Clinton Incorporated,'" announced Anchor Scott Pelley at the top of CBS Evening News. CBS was the only network in the "Big Three" to treat the issue with any form of seriousness, while ABC and NBC chose to glorify First Lady Michelle Obama instead.
Obama administration officials, their designated flacks, and even President Barack Obama himself have spent the past several days defending the Affordable Care Act, aka Obamacare. Tuesday afternoon, Health & Human Services Secretary Sylvia Burwell visited CNN's Wolf Blitzer, who simply let his guest say what she wanted to without answering his questions, spouting half-truths and falsehoods in the process.
Monday night, Nicholas Fondacaro at NewsBusters noted that NBC Nightly News failed to cover steep price increases averaging 25 percent being imposed next year in Obamacare plans purchased through the program's national exchange.
The "Big Three" networks (ABC, CBS, and NBC) continued their marathon of covering up Democratic scandals and controversies, Monday, by failing to report the prison sentencing of a former Democratic Party "rising star" during their evening broadcasts. "A judge sentenced former Pennsylvania Attorney General Kathleen Kane on Monday to 10 to 23 months in prison for committing multiple felonies stemming from a politically motivated act of retribution," reported CNN's Max Blau.
The Obama administration finally admitted on Monday what so many critics warned would happen, that premiums were going to skyrocket. And skyrocket did as ABC Anchor David Muir reported on World News Tonight, "A new government report revealing premiums will go up an average of 25 percent next year." ABC's report is shocking since they spent most of 2016 keeping the program's collapse a secret. In contrast, their competitors CBS and NBC remained tight lipped about the bad news on their evening programs.
The "Big Three" networks (ABC, CBS, NBC) put their undying loyalty to Democratic nominee Hillary Clinton on full display Monday evening, as they completely blacked out two news stories with explosive consequences for the campaign. "Tonight there is a new undercover video exposing direct links between the Hillary Clinton campaign and outside groups promoting her campaign," reported Fox News' Bret Baier on Special Report. Instead of reporting on a potential federal offense they hyped Clinton's expansion into GOP strongholds.
Friday morning, Fox Business's Maria Bartiromo had a tense one-on-one interview with Ezekiel Emanuel, one the two major architects of Obamacare (the other one is the infamous Jonathan "Lack of transparency is a huge political advantage because of the stupidity of voters" Gruber).
News broke Thursday of a new Clinton campaign e-mail exposed by WikiLeaks that reinforces the persistent notion that the Clinton Foundation is a pay-for-play scheme. And yet the "Big Three" networks ABC, CBS, and NBC pretended like it didn't even happen. "New scrutiny tonight on the Clinton Foundation coming from what were supposed to be private e-mails," stated Fox News Anchor Bret Baier on Special Report, moving on to ask, "How much money and how much influence were on the table in dealings involving the Clinton family charity?"
The federal government's fiscal year ended on September 30. As has been the administration's habit for years with news that might draw negative attention, the Treasury Department conveniently released its year-end Monthly Budget Review Friday afternoon to minimize the discussion of its grim news.
The government ran a $587 billion deficit, up from $414 billion the previous year. Andrew Taylor's coverage at the Associated Press glossed over why this occurred, because to do so would call into doubt the questionable Congressional Budget Office projections for future years he relied on to reassure readers that the situation is, in the words of an economist he quoted, "totally manageable." The other two main business wire services performed a bit better, but still missed several key items.
CBS was the only Big Three network on Tuesday evening and Wednesday morning to continue reporting on the allegations of a quid pro quo between the FBI and the State Department related to Hillary Clinton's e-mail scandal. CBS Evening News's Scott Pelley gave a brief about Undersecretary of State Patrick Kennedy's denial of a quid pro quo. The following morning, Charlie Rose gave a brief on Wednesday's CBS This Morning about a former FBI official admitting that he proposed it.
A brand new chapter in the Hillary Clinton personal e-mail server saga opened up Monday, as newly released FBI notes revealed a possible quid pro quo between the agency and the State Department. According to the notes State Department official Pat Kennedy wanted a classified Clinton e-mail to be marked unclassified in exchange for the FBI to expand their overseas presence. But ABC and NBC decided to downplay the stunning revelations on their evening broadcasts and instead touted the Clinton campaign's expansion into "red states."
A search at the Associated Press's main national site on "Podesta Iran" (not in quotes) returns no items relating to a Wikileaks-released email exposing how Hillary Clinton 2016 campaign manager John Podesta agreed with a Republican senator in July 2015 that the deal which had been "negotiated" by the Obama administration with Iran would lead to "a nuclear war in the Persian Gulf." (The word "negotiated" is in quotes because, other than releasing hostages it never should have captured or held, Iran appears not to have given up anything.)
There's a reason beyond the routine journalistic negligence for which AP is so well-known why it has ignored this (excuse the pun) bombshell. The AP's own self-congratulatory actions contributed to the situation Podesta tersely acknowledged.