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ON July 23, 1996, Andrew Dickey opened a new business, Best Web, an Internet service provider, despite competition from industry giants like America Online.
A year later, Mr. Dickey's company, based in Croton-on-Hudson, has 3,166 on-line residential customers and 1,750 business accounts. He has also opened six additional sites in Westchester to service them.
In discussing the company's potential for growth, Mr. Dickey said that the ''chief function of Best Web is to provide customers with unlimited access to the Internet 24 hours a day, 7 days a week, making us a service business.''
He continued, ''Price is not something we can compete on, because almost all Internet service providers, large and small, roughly charge the same monthly fee, so we compete on service.''
For the benefit of those who may not yet be entirely familiar with the Internet and its functions, by definition, the Internet is a network of networks. It is a collection of worldwide resources belonging to universities, businesses, library systems, schools and government departments.Continue reading the main story
The Internet dates back to the 1970's when a network, Arpanet, sponsored by the Department of Defense, was designed to survive military attack. The National Science Foundation joined to create a network of universities, and the Internet has been expanding ever since.
What Internet service providers like Best Web do is, using telephone-type equipment, give customers access to the Internet and the vast amount of information available. Of all the Internet resources, electronic mail -- sending messages across an electronic network -- is perhaps the most used. Messages are written, addressed and posted, and incoming mail is placed in a box where it remains until it is removed. E-mail is faster than regular mail and cheaper than a phone call.
''But all the resources of the Internet are useless if you can't gain access to it,'' Mr. Dickey said. ''This is a very capital-intensive business. We spent $200,000 for equipment, including modems, routers and hubs, the gear used to connect customers to the Internet. We are also one of the largest customers of Nynex in the 914 area. Our bills range from $10,000 to $20,000 a month for leasing telephone and high-speed data lines.''
As for recent problems with the inability of customers to get on the Internet, Mr. Dickey said: ''If you have 15 or 20 customers to a line, there are bound to be delays. Our ratio is 8 customers to a line, so customers rarely get a busy signal. Nor are they put on hold for an hour, before they get to speak to a trouble-shooter. We have developed a strong customer support department to prevent that from happening. Our 7 technicians not only know a lot, they are trained to communicate well with customers.''
When customers order the service, Mr. Dickey said they are given the company's software, which provides everything needed to use the Internet. ''That includes surfing the Web, viewing news groups and sending and receiving E-mail,'' he said. ''Our home page is arranged so that even beginners can explore interesting Internet sites as close as their own village or as far away as 'search engines' can take them.''
Best Web's service, he added, provides full Internet access, including the World Wide Web, a hypertext system, which allows users to move through linked documents. For instance, if someone is reading about dogs, every time a new breed is mentioned, the name is marked in some way. By following the link, the user will jump to an article about that breed of dog.
The service also offers access to news groups, which are the Internet equivalent of discussion groups involving millions of people from all over the world. Each discussion group centers around a particular topic ranging from jokes to philosophy, Internet Chat, Interactive games and FTP-File Transfer Protocol, which allows transfer of data from one computer to another. Telenet is the method of getting on a remote computer system, allowing public access to view files and search data bases. Another service is Gopher, a menu system, providing a simple, consistent method of navigating around the Internet.
''We also provide a host of business services for our commercial accounts,'' Mr. Dickey said, ''including registration of the domain name, their Internet address, data storage, E-mail, data transfer, page maintenance and one of the most important, custom-designed pages for internal use of our corporate clients.''
Mr. Dickey, 44, holds a degree in industrial engineering from Cornell University.
''But I was always interested in electronic stuff,'' he said. ''I remember helping a teacher at Croton-Harmon High School set up the school's first computer. I took as many computer courses as I could find at college, and after I graduated I bounced around, spending two or three years in different jobs before getting a better offer because of my computer skills, which, 20 years ago, were fairly rare and much in demand.''
One of Mr. Dickey's jobs was at Citicorp, where he ran the computer information system. ''I also held a marketing position with a computer company, selling the firm's services and software to customers. And later I spent 10 years as the manager for the northeast region for Teltech, a computer consulting firm that was great preparation for running my own business.''
His wife, Deborah Tarpey Dickey, is in charge of marketing.
''We do a fair amount of direct mail, billboards and space ads, but word-of-mouth referrals bring the most business,'' Mrs. Dickey said.
''We do talk about business at home, especially recently since our son, Mark, who is 15, is working for us in the customer-support department for the summer,'' she added.
Both of the Dickeys are natives of Croton-on-Hudson, where they still live.
''Our parents were acquaintances,'' Mr. Dickey said. ''We've known each other since we were children.''
As for the future, he said: ''The demographics of the area are good. The potential for growing the company is there. I think a lot more people will be using the Internet in the near future. It's now at the stage telephones where when they first came on the market.''
The charge for the service is $19.95 a month, Mr. Dickey said, with an introductory offer of $9.95 for the first three months available for new customers.Continue reading the main story


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*THIS ONE OWNER IS WAITING PATIENTLY FOR IT'S NEXT FAMILY - LOTS OF LOVE AND SAFETY IN THIS ONE - COME ON IN AND TAKE HER HOME*Scores 25 Highway MPG and 18 City MPG! This TOYOTA TRUCK SIENNA delivers a Regular Unleaded V-6 3.5 L/211 engine powering this Automatic transmission. Wheels 17 x 7 Alloy, Vinyl Door Trim Insert, Variable Intermittent Wipers w/Heated Wiper Park.*This TOYOTA TRUCK SIENNA Comes Equipped with These Options *Valet Function, Urethane Gear Shift Knob, Trip computer, Transmission Electronic 6-Speed Automatic w/OD, Transmission w/Sequential Shift Control, Torsion Beam Rear Suspension w/Coil Springs, Tires P235/60R17 AS, Tailgate/Rear Door Lock Included w/Power Door Locks, Strut Front Suspension w/Coil Springs, Steel Spare Wheel.*Stop By Today *Test drive this must-see, must-drive, must-own beauty and get a hassle-free deal today at our dealership 602 Highway 95, Weiser, ID 83672.At Steve's our dealership in Weiser we do business differently. We are family owned and operated. We have haggle free highly competitive low prices. Our Consultants are standing by to assist you. Our Low Overhead will save you money. When it comes to your trade we use real numbers when evaluating your car. Our trade appraisal is as good as cash - Drive a little save a lot! Please call us.
Price may exclude tax, title, tags, governmental fees, any emissions testing charges and any finance charges (if applicable). Unless otherwise stated separately in the vehicle details, price does not include documentation, processing, administrative, closing or similar fees. Current mileage may vary due to test drives and vehicle relocation.

subset: commoncrawl


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Hollman Crossroads (GNIS FID: 1227918) is a populated place located in Florence County at latitude 34.096 and longitude -79.893.
The elevation of Hollman Crossroads is 128 feet. Hollman Crossroads appears on the Sardis U.S. Geological Survey Map. Florence County is in the Eastern Time Zone (UTC -5 hours).
Florence County: Cities & Towns | ZIP Codes | Features (airports, churches, hospitals, etc.)
BIG Map |
Driving Directions |
Data Source - USGS GNIS FID: 1227918
BOUNDARY MAPS: Timmonsville Division | Florence County
Timmonsville, SC
(3.9 miles NW)
Florence, SC (10.1 miles NE)
Lynchburg, SC (10.5 miles WSW)
Lamar, SC (10.9 miles WNW)
Olanta, SC (11.4 miles SSW)
Coward, SC
(11.9 miles SE)
Quinby, SC (13.3 miles NE)
Shiloh, SC (13.7 miles SW)
Darlington, SC (14.2 miles N)
Scranton, SC (15 miles SE)
Peniel Crossroads, SC
(2.4 miles ESE)
Jones Crossroads, SC (2.4 miles SE)
Sansbury Crossroads, SC (3.1 miles SW)
Sparrows Crossroads, SC (3.1 miles SSE)
Colonial Forest, SC (4.3 miles NE)
Perkins Crossroads, SC
(4.3 miles E)
Kings Grant, SC (4.7 miles NE)
Sardis, SC (4.7 miles SW)
Forest Lake South, SC (4.9 miles NE)
Village Green, SC (5.3 miles N)


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Monday, 17 July, 2017 - 18:30Where:
Central Park Stadium, Church Road, Murston, Sittingbourne ME10 3SB
The Eastbourne Eagles are the Travel Plus National League visitors to the Kent Slyde Kings meeting this evening. Admission is: £13.00 for adults; teenagers aged 13 to 17 £6.00 and children 12 years or under going FREE. Gates open at 5.00pm with tapes up after the parade at 6.30pm.


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Under general supervision, develop and maintain favorable relationship with new and existing customers, promote sales toward the achievement of individual and department goal and objectives. Develop new customers and represent product lines and services that consistently meet customers needs.
Required Skills
Required Experience
Associate's degree in Business Administration or related field; and three to five years related experience and/or training, including three years of previous Sales experience.
Job Location
Lompoc, California, United States
Position Type


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Guys I need help, it's related to boosting so I'll just post it here.
I've been cheat-o-meter banned for too many headshots, so I need to get a few thousand body shots but I really can't do it normally because I'm banned from most of the servers.
Can anyone help me out?


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Gisele's Concerns For Tom
GISELE BUNDCHEN – well-known advocate of a healthy-eating, exercise-filled lifestyle – has spoken about her concerns for her husband, New England Patriot quarterback, Tom Brady.
"As you know, it's not the most, like, let's say 'unaggressive' sport. Right? Football, like, he had a concussion last year. I mean, he has concussions pretty much every…" she told Charlie Rose on CBS This Morning. "He does have concussions… I don't really think it's a healthy thing for your body to go through, like, you know, through that kind of aggression, like, all the time, that could not be healthy for you, right? And I'm planning on having him be healthy and do a lot of fun things when we're, like, 100, I hope!"
Brady does, however, have a strict plant-based diet, which goes some way to make up for the physical combat his body has to endure. And while it took some getting used to, he is now reaping the rewards. "The thing is, he said he's been feeling so much better, I have to say it's amazing. You know?," continued Bündchen. "The way he feels, he doesn't feel achy. He just feels so much more energy."
Favourites on the red carpet, the couple recently stepped out at the Met Gala in New York, an event for which they were both co-chairs alongside Anna Wintour – see who joined them, below.


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When it all falls apart.../
As I was reading through my Twitter acount yesterday morning there seemed to be a common theme among alot of the leaders I respect:
@JohnCMaxwell: Success represents the 1% of your work which results from the 99% that is called failure. -Soichiro Honda
@DailyKeller: "Jesus delivered his people not through great triumph, but through crushing defeat."
@DaveRamsey: "Success is stumbling from failure to failure with no loss of enthusiasm."― Winston Churchill
The question is not how will you respond if you fail, but rather, how will you respond when you fail? Maybe you're there right now. Maybe you're looking at your house, your family, your work situation, or your personal life and it falls dismally short of where you thought it would be or where you wanted it to be. Maybe your efforts to hold it all together are no longer working and it's falling apart. Maybe a dream you always held onto just died.
How do you get up today? How do you not lose enthusiasm? How do you now throw in the towel and give up? I love the words from Lamentations 3. These words are all the more powerful when you realize their context. They are written by Jeremiah after the destruction of Jerusalem. If there was ever a time to want to throw in the towel and give up hope, this was it for Jeremiah. Yet, check out his words:
"17 I gave up on life altogether. I've forgotten what the good life is like. 18 I said to myself, "This is it. I'm finished. God is a lost cause." It's a Good Thing to Hope for Help from God 19 I'll never forget the trouble, the utter lostness, the taste of ashes, the poison I've swallowed. 20 I remember it all - oh, how well I remember - the feeling of hitting the bottom. 21 But there's one other thing I remember, and remembering, I keep a grip on hope: 22 God's loyal love couldn't have run out, his merciful love couldn't have dried up. 23 They're created new every morning. How great your faithfulness! 24 I'm sticking with God (I say it over and over). He's all I've got left. 25 God proves to be good to the man who passionately waits, to the woman who diligently seeks. 26 It's a good thing to quietly hope, quietly hope for help from God."
So when failure and brokenness come, let's not fear, but once again cling to the God who is bigger than our failures and difficulties we face. Truly, His resources and power are inexhaustible and available to us today!
in Christ,


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92nd INDIANAPOLIS 500 WINNER'S PRESS CONFERENCE Sunday, May 25, 2008, Indianapolis Motor Speedway Scott Dixon, Chip Ganassi, Mike Hull PAT SULLIVAN: We are delighted to bring to the Economaki Press Conference Center the winning team, the...
92nd INDIANAPOLIS 500 WINNER'S PRESS CONFERENCE
Sunday, May 25, 2008, Indianapolis Motor Speedway
Scott Dixon, Chip Ganassi, Mike Hull
PAT SULLIVAN: We are delighted to bring to the Economaki Press Conference Center the winning team, the winning owner, a gentleman who also is involved in making these plans and executing them and giving the driver the opportunity to be in a position to win. It doesn't always happen when you have the best car and I think everyone is coming here to acknowledge the best car won the race. Chip, I can't imagine, it's got to be a deep feeling of satisfaction to win the Indianapolis 500. Congratulations.
CHIP GANASSI: I tell you, I don't know what to say. I can tell you this, I'm very fortunate to work with the people that I get to work with in this industry and, you know, from obviously Scott and Dan and Mike Hull and the team of people that he puts together, and I'm the luckiest guy on the planet. I can't tell you how many times, you know, I talk to Mike every day on the phone or I see him and our emotions are up, down, sideways, left and right, and he's the guy that keeps it all steady and moving in the proper direction. I'm just lucky to have him.
SULLIVAN: Mike, you know as well as anybody that you can have the best car, no question on Race Day. But particularly in today's race with so many at times bizarre things happened and some contenders had problems, you know, it's just not easy to get to Victory Lane. Talk about your emotions and how they went during the day.
MIKE HULL: You're right about the question. We come here to the Indy 500, and we've been lucky enough to win and we've been lucky enough to finish at the front. This year we had speed, and speed was the denominator that we had this year with both Dan and Scott. When you have speed as your ally, then it makes what we did today enormously easier. Because, you know, my heart goes out in a way to Vitor and Marco at the end of the race because you know what? We've been in that position. We know how hard it is to pass the guy that's leading the race. And those guys, they hung in there to the end, and they had a legitimate chance to win. We've been in that position here So as Chip spoke a couple of weeks ago in this room when we talked about the pole, somebody asked the question and it's all about the people that prepare the cars to give Dan and Scott the opportunity to win big races. We dedicate ourselves as a team to win big races, and we're thankful we did it today.
SULLIVAN: It's a pretty big one. Questions?
Q: If both of you could kind of talk about the quiet confidence that Scott portrays in his craft. He always approaches his job as a driver with a lot of quiet confidence. That kind of sets him apart from some people.
GANASSI: He's been like that, you know, forever since I've known him. I think, you know, he at first, quite frankly, at first I didn't think he was that excited about racing when you first meet him because he -- he had won so early in IndyCars in his career. You know, that quietness, people confuse that with caring about things. You know, it's a relief to know that really wasn't what it is; it was a quiet confidence that sort of is his trademark. That's a powerful tool.
SULLIVAN: Ladies and gentlemen, let's indeed welcome the winner of the Indianapolis 500, Scott Dixon. Scott, congratulations. (Applause)
SCOTT DIXON: Thank you. Thank you. It sounds pretty good, doesn't it? It sounds very good.
Q: Chip, Scott was up there tossing the milk around and going -- you were off to the side and I saw you taking a swig of milk. Just how good did that taste?
GANASSI: You know, it tasted pretty good. You know, that's something -- in this business there are few things, you know, when you've been in this business as long as Mike and I have, there's a few things you get out of the business. One of them is trophies, one of them is rings and one is a sip of milk. You know, outside of that, you don't walk away from this business with much else. So that's what's special about that.
Q: Scott, you should have gotten married earlier. Man, this deal is agreeing with you. (Laughter) We can give them some of the credit. But to all three of you, you all sat there the same spot two weeks ago talking about being aggressive coming here for Pole Day, being aggressive this year. Was the approach the same for Race Day here today?
DIXON: Yeah, the whole month has, but it's tough to be aggressive when you don't have the equipment. You know, this year I think with everybody at the workshop, people that stay back at the workshop and don't come to the races, a lot of people that work out on these cars to try and make them fast. But this month for me was a month where you could be aggressive because you had the tools to do it, and I think that was what it came down to. Everybody's hard work in the offseason and coming into the season. I think the team has been unstoppable almost, I think, with over the first five races. It's nice to be aggressive, nice to have the confidence level and even better to come away with a win like this.
Q: Scott, I know you were a little reluctant even this week to hang on that favorite. You said I don't want to jinx us, we've been so fast and we shouldn't be looked at like that. When the race went down, did you feel pretty good that you were comfortable with the way things went or was there ever a time you were a little worried or how did it kind of turn out?
DIXON: I think I was worried going into the race just because we had had such a smooth month. It was one of those things where you're sort of waiting for something to go wrong. We only had it coming down to the Race Day, and it's the last day you want something to go wrong. But going in you always have high expectations, but in the back of the mind you're like, 'What if we have a bad pit stop or we have a problem of some sort mechanically that's going to take you out of it?' That's out of your hands. I think there was no point in the race where I knew we were over-confident or could win this thing easy. Especially toward the end with maybe with 20 or 40 laps to go when you have sleepers come like Meira come out, and he was super-fast. He was super-fast. So there's definitely guys like that. You could see Helio was coming up; Marco we knew all day was fast. I think he had a problem in the pits at some point. But at no point did I think we had this in the bag and was almost waiting for something to go wrong.
Q: Scott, that kind of goes into my next question. You didn't think you had it in the bag, you're leading, you had some really good cars trying to chase you down the last 20 laps or so. What was going through your mind?
DIXON: The corner in front, man, that's what I was looking at each time, the corner in front. With about four or five laps to go, the traffic was definitely going through my mind. We started to catch at least four or five cars, and I didn't want it to play out that way, get stuck behind one of them. Because as soon as you lose momentum around here, those guys, you know, breathing down your neck are going to blow by you with a couple laps to go. I think for me was just, you know, I started going stiffer on the rear bar, putting the weight all the way to the left to try and make the car as fast as possible for those last few laps. But I think for me it was just always concentrating on the corner and trying to make a perfect lap every lap.
Q: Scott, what were your emotions when you pulled in Victory Lane? You kind of looked a little almost maybe shocked at first.
DIXON: I was shocked. I think just almost dumbfounded. It's such a strange feeling, and for me, I don't show emotions too much. I don't know, it's almost like you're in a dreamland. It was quite crazy. It's something that you sort of expect somebody to maybe pinch you, and you wake up and you're sleeping in your bed back home. It still hasn't sunk in yet, and it feels so special. I think the parade lap and seeing everybody still out there and driving around such a magnificent circuit with three other people with you and everybody sort of yelling your name was something that I wish I had witnessed previous to now, but it makes you want to go and win this race once again.
Q: Chip, you made a lot of great news out of Indianapolis this month and not a lot of great news out of Concord this month. Was there ever a time -- two-part question, was there ever a time because of the kind of confusion down in Concord where you maybe questioned yourself, "Am I doing this right?" And then how much does something like this where you have a dominating car that actually delivers you this dominating win say to you, 'OK, I am doing this right,' and, you know, whatever craziness is going on on the other side there is craziness that's going to work itself out?
GANASSI: I feel like we have the right strategy, and I'm staying with that strategy. That strategy works in this company. (Laughter) OK? So I don't, you know, that didn't faze me. I'm in this business to win races, period, and every car we get into every week. End of story.
Q: Scott, at any time on that cool-down lap did you allow yourself any emotion? Did you have some that you can admit to doing? I know, as you said, it's probably too early to tell, but I mean, you talked about always wanting to win this race. Just how big is it?
DIXON: I was definitely yelling a lot on the radio and punching my fist in the air. I think I took out nearly three cars on the cool-down lap that were trying to go around me because I was going so slow. But no, everybody is different to how they throw their emotions out there. It's such a special moment, but all you're wanting to do is get back to the pits and see everybody that helped you get there. It's not just me, it's tons of people that worked on the team, it's Mike, it's Chip, it filters down. And my wife, Emma, for cooking me pancakes this morning kind of thing. (Laughter)
So you feel on the last 30 laps, you feel quite alone out there. You're like, 'Oh, shit, it's actually down to me on this, I better not mess up because everybody has given me the tools to do it and it does fall on you a little bit there.' But when you do win it, you do want to get back and see everybody.
Q: Scott, how much of this early-season dominance you have, especially at Kansas and here today, how much of this can you trace back to the disappointment of the last lap last year?
DIXON: I think it even goes back further than that. We had the dominance of winning three races in a row and going for four and trying to chase down Dario for the championship. I think that's when it started, you know. We had a great, you know, everything that everybody was doing was just falling into, you know, the right place. Everybody was working well together, and we've carried on that confidence level and the success we had at the end of last year even we didn't come away with the championship. But yes, I think that combination, with more determination after what happened, has been what's helped us this season, I think. So it's a combination of a lot of things.
Q: Scott, I'd love to claim your Australian heritage but I'm sure you're very much a New Zealander.
DIXON: How did I know you were going to start with that?
Q: I had to get a little Aussie out in me. This is a great sport achievement by a New Zealander or New Zealander team. How does that make you feel?
DIXON: Pretty special. I think it's so hard to see that part. Definitely a lot of support from New Zealand today, which I've never seen before. So winning the pole I think got a few people out here. I don't know, I think until I go home, because you're so far away over here. You just talk to people on the phone and do the occasional interview with TVNZ over here. It's hard to really feel what people have done for me back in New Zealand, and definitely the support I've had and the amount of people that have helped me get to where I've been. But it feels really special to be part of something that's going to go down in history books and more so in New Zealand.
Q: Of course you'll not only be famous down there, but you're going to be become a lot more well known, probably more famous here in the United States and for a pretty quiet guy, it's going to be a big change for your life, isn't it?
DIXON: Sure will. But as long as I keep winning races, that's what's important for me.
Continued in part 2


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Have you ever wished you had an extra pair of hands? Red Front understands our customers have very active lives, and we can help.by providing you with your own personal grocery shoppers, who fulfill your order with care and attention to quality.
Think about it. After a busy day, and with tomorrow's schedule not looking any better, you can simply log-in or pick up your phone and order your groceries. That's it, we do the rest. No muss and no fuss. We will shop for your groceries and bring them to you, or you can stop by our store and we will put them in your car for you.
Please read the guidelines below to have insure your delivery experience is a positive one!!
If you have problems signing up for an account, please contact the store (540-434-0850) or hometowngrocers.com (877-933-3003).
In store pick-up and delivery for selected areas (view map here) is currently available Monday, Tuesday, Thursday and Friday. In cases of inclement weather, please contact the store to see about delivery availability.
Orders can be placed several days in advance, or same-day service is also available if you place your order at least three hours before your selected delivery or pickup time.
Our delivery windows are two hours, meaning your order will be delivered within two hours after the time you request or should be picked up at the store during the two hour period. Specific delivery requests (i.e. if you choose the 4:00 time and need it delivered after 5:15) and instructions can be made in the "My Notes" section of your order, we will do our best to fulfill those requests. When choosing your delivery date and time please be sure to double check that you have selected the correct date.
All orders require a $30 minimum order, excluding fees. The fee for orders picked up at our store is $4.95. The fee on delivered orders is $6.95. Orders placed with the HometownGrocers.com call center (877-933-3003) will have an additional $5 service fee.
The check-out page does mention a check payment option, but that is not available.
The "Store Account" button is ONLY to be used by pre-approved businesses making use of our service. If you select that option and you are not approved, your order may be delayed or cancelled.
The total amount you pay may differ from your checkout total due to out of stock items, substitutions, special request items or if you order random weight items. Please also note that the service provider charges a pre-authorization fee to your card account to insure that the transaction can be completed. This fee is removed with your account within 24-48 hours.
Our Online Shopping Service requires that you or a responsible person be at the delivery destination at the scheduled delivery time to receive your order. Similarly, if you have selected store pickup, you or a responsible person must pick up your order at the scheduled time. Please double check your selected date and time when checking out. Orders which are not picked up within the 2 hour window or which are unable to be received upon delivery appointments will be subject to a $20.00 restocking fee. Redeliveries will be charged an additional $6.95.
If you opt to pick up your groceries at the store, we have a parking space reserved just for you! Simply come in to Customer Service and ask for your order. A store employee will be happy to put your order in your car for you. Or you can stay in your car and call the store (our phone number is on the parking sign) and let us know you've arrived and we'll bring the groceries right to your car.
Shopping online is virtually the same as shopping in our store. We offer thousands of items online at our in-store price. You can shop items from our weekly ad, noting that our new sale prices will not update on the site until noon each Wednesday. You will be charged the price that is on the site when you place your order. Please note that not all items found in our store are available with our online service, but you can place special requests for items not found on the site as you place your order. Some printed advertised specials and promotional offers including student discounts will not be available for online shopping orders.
Manufacturer's coupons may be used towards your order, coupons must be verified and collected by the delivery person or store personnel for pick-up orders.
We reserve the right to limit quantities. For large quantity orders, please call the store directly (540-434-0850) to insure item availability. All images are for illustration purposes only and may not represent the actual product. We reserve the right not to honor typographical pricing errors.
Placing an order for someone else? We welcome orders where 1) the person receiving the delivery is not able to place orders online so someone else is placing the order for them and 2) an out of area relative or friend would like to send groceries to someone within the delivery area. This is a great use of this service, but here's a few things to keep in mind. When signing up for an account, please use the name and address of the person who will be receiving the delivery. You can use your e-mail address and your phone number for the "other" number field. If you are paying for the order, you will enter your name when you check out and provide credit card information. Please let us know that the order is being placed by someone other than the recipient by contacting the store or placing a message in the "my notes" section of your order. Also remember, we are not a "surprise" delivery service. Please let the person you are ordering for know to expect a delivery and be sure that someone will be at the address during the selected delivery time.
Have more questions? Call us at 540-434-0850.
For technical support, call 877-933-3003.


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Complicated estate etc(5 Posts)
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|Publication number
|Publication type
|Application number
|Publication date
|Sep 27, 1977
|Filing date
|Apr 12, 1976
|Priority date
|Jan 31, 1972
|Publication number
|Francis William Aldrich
|Original Assignee
|The Bendix Corporation
|Export Citation
|BiBTeX, EndNote, RefMan
|Patent Citations (4), Referenced by (38), Classifications (11)
|External Links: USPTO, USPTO Assignment, Espacenet
This is a continuation of application Ser. No. 322,820, filed Jan. 11, 1973 which was a continuation-in-part of application Ser. No.222,342 filed Jan. 31, 1972, both now abandoned.
Conventional organic brake linings are made up of a mixture of organic binders, asbestos fibers and property modifiers. The organic binders usually include some resin that solidifies upon heating. The asbestos fibers, which strengthen the lining, remain relatively stable when subjected to thermal changes up to 800° F. However, asbestos deteriorates at higher temperatures due to loss of water, of crystallization and frictional wear.
Modifiers, varied in type and content, must also be added to provide a desired level of effectiveness with respect to wear resistance, fade resistance and noise.
However, when organic brake linings are exposed to high temperature such as that created by rapidly repeated frictional engagement over a period of time, the thermally unstable elements of the lining mixture undergo a chemical or structural change. Asbestos dehydrates and is eventually transformed into forsterite or olivine. Inorganic modifiers such as carbonates and sulfates decompose and the resin binder loses its stability. When organic elements in the brake lining decompose upon being subject to a high temperature environment, that portion of the decomposed element remaining upon termination of the high temperature is carbon. This created carbon is on the surface of the brake lining and has no adverse effect on the coefficient of friction of brake lining since it is not an integral bound part thereof. The extent of breakdown or wear of this type of organic lining is directly dependent upon the time and length of exposure to an elevated temperature.
Correspondingly in such an elevated temperature the coefficient of friction is generally reduced due to thermal degration of the organic component. This lowering of the coefficient of the material proportionally reduces the effectiveness in frictionally stopping.
Later as disclosed in U.S. Pat. No. 3,434,998 assigned to the common assignee of this application and incorporated herein by reference, the asbestos fiber of the organic brake lining was replaced with a metal fiber and fillings and graphite powder used as a friction modifier. The metal fiber and fillings can undergo reversible transformation from a solid to a liquid when subjected to a predetermined temperature about 1500° F. The graphite powder is thermally stable in this temperature range and as a result a structurally stable lining material can be produced. However, graphite has a low coefficient of friction necessitating the need for a surface area wherein the combined coefficient of friction graphite and metal fiber produces an overall coefficient of friction for the lining sufficient to bring a vehicle to a stop within a predetermined distance from 60 miles per hour. Normally, the graphite content in the lining material is greater than the metal fiber and filling. Increasing the graphite to metal fiber and filling ratio results in an overall lower coefficient of friction and performance; however, a material which wears better and internally absorbs the noise created by frictional engagement is produced.
Conversely, decreasing the graphite to metal fiber and filling ratio results in a higher coefficient of friction and performance. However, wear and noise is substantially decreased.
Through experimentation it has been determined that non-graphitic amorphous carbon as distinguished from graphite has a high coefficient of friction, a large capacity for absorbing thermal energy and a high compressive resistance. However, non-graphitic amorphous carbon has a low resistance to tension which is evidenced by shattering upon an impact force. In order to effectively utilize carbon in a brake lining, the non-graphitic amorphous carbon must be bound with a strengthening material.
I have devised a brake lining composition primarily composed of free non-graphitic amorphous carbon mixed with metal fiber and metal particles bound together by a thermosetting phenolic resin.
The molecular structure of the non-graphitic amorphous carbon in the mixture will remain substantially the same upon being subjected to the thermal energy capable of being generated by frictional engagement in an automobile wheel brake. Thus, the frictional coefficient of the brake lining will remain substantially constant upon engagement with another element in varying thermal environments.
It is therefore the object of this invention to provide a brake lining composition having a relatively stable coefficient of friction and high resistance to wear over a predetermined temperature range.
It is still a further object of this invention to provide a brake lining composition composed of non-graphitic amorphous carbon and metal particles bound together by a thermosetting resin.
It is another object of this invention to provide a carbon metallic brake lining unaffected by thermal decomposition.
These and other objects will become apparent to those skilled in the art from reading this specification.
Throughout this specification wherein the term carbon is used, the genus graphite is excluded. Carbon is amorphous or non-crystalline whereas graphite is that material formed by heating carbon to 2600° - 3000° C. The molecular structure of carbon at this temperature is arranged in an ordered pattern of stacked parallel planes rather than orginally randomly arranged atoms. Correspondingly, because of this ordered pattern, graphite has a lower coefficient of friction than the original carbon.
When a vehicle is moving down a long incline, it is often necessary to momentarily apply the brakes. In applying the brakes, brake lining in each wheel frictionally engages another member to reduce the rotary motion of the wheels. Upon frictional engagement, thermal energy is created as the drum or disc slides on the brake lining. As thermal energy in the brake lining and drum or disc increases, a corresponding decrease in the coefficient of friction between these members will result and can be recorded as fade. Through my invention of using a carbon metallic lining the repetitive fade essentially approaches a straight line.
The composition of my carbon metallic lining is a mixture of non-graphitic carbon particles such as No. 98 carbon produced and available from Avico Speer Carbon Products, St. Mary's, Pa., from 10-75 volume percent of the total mixture and metal or metal oxide particles preferably iron, steel, and copper particles from 10-55 volume percent of the total mixture bound together by a phenolic thermosetting resin such as RD-25 Oil Modified Dry Powder Phenolic Resin produced and available from The Bendix Corporation, Troy, N.Y.
From 5-20 volume percent of the metal or metal oxide particles used should be in fiber form to provide structural stability and tensile strength to the overall composition. In some instances modifiers such as graphite, inorganic wear filler, metal oxides and elastomers to control noise and wear may be beneficial. A typical composition according to my invention shown in the following example displayed good fade, wear and a substantial uniform coefficient of friction over a wide range of temperatures.
______________________________________Ingredient Volume % of Total______________________________________Carbon 45Powdered Iron 25Steel Fiber 10Phenolic Resin 20______________________________________
The ingredients in Example I are thoroughly mixed together and placed in a cold preformed mold to establish a measured amount of the composite in a predetermined shape. The composite is then transferred to a refining mold in the shape of a brake lining where the temperature is slowly raised causing the phenolic resin to become pliable. A compressive force is then placed on the composite causing the resin to form a holding matrix by flowing around the other ingredients in the composite. The density of the resulting composite is directly dependent upon intensity of the compressive force applied to the heated composite. The composite remains in this heated refining mold until the phenolic resin has begun to cure. When curing has proceeded sufficiently that a stable composite results, the molded composite is transferred to an oven where the temperature is increased to complete curing of the resin.
Brake lining, manufactured in accordance with the above teaching, represents an advance over the prior art by providing a material with substantially the same friction effectiveness or coefficient of friction under varying conditions of operation.
The following Table I lists the relative comparative results of the lining composition above with conventional brakes on a vehicle required to be successfully stopped from 60 mph. at 15 ft./sec. 10 times in lap 1 and 15 times in lap 2 on a track of 0.4 mile intervals over a set period of time.
TABLE I__________________________________________________________________________ LAP #1 LAP #2 1st Fade 2nd Fade 10 Stops 10 Stops 15 Stops Brake Line Brake LIne Brake Line Pressure Temp. Pressure Temp. Pressure Temp. #/in.-2 ° F #/in.-2 ° F #/in.-2 ° F__________________________________________________________________________Organic 1200 700° 760 620° 740 700°Semi Metallic 950 640° 750 520° 850 600°Carbon Metallic 1050 666° 950 670° 1120 740°__________________________________________________________________________
In the above Table I, the coefficient of friction for the different brake linings is inversely proportional to the brake line pressure created by substantially equal input forces.
In organic brake lining during the second fade, the coefficient of friction is substantially increased with a corresponding change in the production of thermal energy. If the production of thermal energy is permitted to continue, the organic lining will be destroyed.
The semi-metallic lining shows a more uniform overall coefficient of friction than the organic lining without a frictional peak during the second fade reducing the possiblity of self destruction.
The carbon metallic lining shows a still more uniform coefficient of friction than either the organic or semi-metallic linings within the thermal energy range produced by consecutive repetitive stops in the above tests. Thus, the carbon metallic lining has less tendency to self destruct than other brake lining since the production of thermal energy remains relatively constant.
In some instances it has been found that noise is produced upon frictional engagement of carbon-metallic members. To attenuate this noise, from 0-10% weight by volume of an elastomer is added to the composite ixture in Example I. The elastomer modifies the composite sufficiently to reduce the noise but is insignificant to the overall total material and therefore does not affect the coefficient of friction of the resulting material.
|Cited Patent
|Filing date
|Publication date
|May 7, 1959
|Nov 7, 1961
|Chrysler Corp
|Friction elements and method of making the same
|Sep 26, 1960
|Oct 5, 1965
|American Brake Shoe Co
|Resin bonded friction composition product and method
|Jun 26, 1973
|Jan 13, 1976
|Friction Products Inc.
|High-energy brake and brake components
|Aug 31, 1965
|Ueda Yoshitaka
|Thermosetting resin and graphite brake lining composition
|Citing Patent
|Filing date
|Publication date
|Jun 26, 1978
|Dec 11, 1979
|Johns-Manville Corporation
|Friction material for railroad service
|Aug 1, 1978
|Apr 8, 1980
|Ferodo Limited
|Asbestos free friction materials
|Jul 31, 1978
|Jun 16, 1981
|Ferodo Limited
|Friction materials
|Apr 14, 1980
|Jul 14, 1981
|Kureha Kagaku Kogyo Kabushiki Kaisha
|Organic friction material
|Aug 31, 1979
|Jul 28, 1981
|Akebono Brake Industry Company, Ltd.
|Friction material comprising an iron powder having a carbon content of from 0.5-1 percent
|May 14, 1980
|Jan 12, 1982
|Feroda Limited
|Friction materials
|May 19, 1980
|Feb 2, 1982
|Amsted Industries Incorporated
|Composition friction element for a railroad brake shoe
|Jan 23, 1981
|Sep 7, 1982
|Akebono Brake Industry Company, Ltd.
|Friction material
|Aug 3, 1981
|Oct 5, 1982
|Manville Service Corporation
|Friction material for railroad brake shoes
|May 27, 1982
|May 31, 1983
|Kureha Kagaku Kogyo Kabushiki Kaisha
|Organic friction material
|Mar 21, 1983
|May 29, 1984
|Kureha Kagaku Kogyo Kabushiki Kaisha
|Organic friction material
|Mar 25, 1983
|Aug 27, 1985
|Nippon Electric Co., Ltd.
|Electro-magnetic wave absorbing material
|Jun 4, 1984
|Aug 12, 1986
|Akebono Brake Industry Co., Ltd.
|Brake system
|Jul 24, 1987
|Mar 28, 1989
|Parker-Hannifin Corporation
|Brake system with improved brake material
|May 19, 1992
|Apr 26, 1994
|Nissin Kogyo Co., Ltd.
|Disc brake for vehicles
|Mar 26, 1993
|Aug 30, 1994
|Amsted Industries Incorporated
|Railroad brake shoe
|Oct 27, 1992
|Mar 21, 1995
|Nissin Kogyo Co., Ltd.
|Brake friction composite with reinforcing pyrolytic carbon and thermosetting resin
|Jun 3, 1993
|Jun 27, 1995
|Elim Engineering Corp.
|Non-asbestos, frictional material composition and method of making same
|Jul 29, 1993
|Jan 23, 1996
|Kumsan Material Co., Ltd.
|Raw material for producing ferrite dust for friction elements and method of reducing the same
|Jun 3, 1994
|May 19, 1998
|Borg-Warner Automotive, Inc.
|Friction lining material comprising less fibrillated aramid fibers and synthetic graphite
|Oct 11, 1996
|Aug 4, 1998
|Kimberly-Clark Worldwide, Inc.
|Laminated fabric having cross-directional elasticity and method for producing same
|Jul 16, 1997
|Jan 5, 1999
|Borg-Warner Automotive, Inc.
|Carbon deposit friction lining material
|Jan 28, 1997
|Jan 12, 1999
|Borg-Warner Automotive, Inc.
|Fibrous lining material comprising a primary layer having less fibrillated aramid fibers and synthetic graphite and a secondary layer comprising carbon particles
|May 27, 1998
|Sep 28, 1999
|Borg-Warner Automotive, Inc.
|Carbon deposit friction lining material
|Mar 24, 1999
|Dec 14, 1999
|Borg-Warner Automotive, Inc.
|Fibrous lining material comprising a primary layer having less fibrillated aramid fibers, carbon fibers, carbon particles and a secondary layer comprising carbon particles
|Oct 30, 1998
|Oct 10, 2000
|Borg-Warner Inc.
|Fibrous base material for a friction lining material comprising less fibrillated aramid fibers and carbon fibers
|Jun 20, 2006
|Jan 13, 2009
|Robert Bosch, Gmbh
|Disc brake
|Jun 12, 2008
|Jul 6, 2010
|Borgwarner Inc.
|Porous friction material comprising nanoparticles of friction modifying material
|Apr 25, 2006
|Oct 5, 2010
|Borgwarner Inc.
|Friction material
|Jun 18, 2004
|Sep 20, 2011
|Borgwarner Inc.
|Fully fibrous structure friction material
|Oct 31, 2006
|Mar 12, 2013
|Borgwarner Inc.
|Carbon friction materials
|Mar 10, 2009
|Mar 19, 2013
|Borgwarner Inc.
|Frictional device comprising at least one friction plate
|Jul 26, 2004
|Dec 10, 2013
|Borgwarner Inc.
|Porous friction material with nanoparticles of friction modifying material
|Mar 8, 2002
|Sep 11, 2003
|Shining Technology, Inc. A California Corporation
|System and method for direct recording of audio, video and/or images for easy access and editing
|Aug 8, 1978
|Feb 21, 1979
|Ferodo Limited
|Improvements in or relating to friction materials
|Dec 15, 1983
|Jun 19, 1985
|Raymark Industries, Inc.
|Fused metallic friction material
|Dec 15, 1994
|Jul 26, 1995
|Pneumo Abex Corporation
|Hybrid brake assembly
|Jan 4, 1996
|Jul 25, 1996
|Antonio Carmine Bellicoso
|Mixture composition for friction material
|U.S. Classification
|523/155, 524/431, 106/36, 524/440
|International Classification
|Cooperative Classification
|European Classification


text:
This app lets you schedule an Uber for any time you wantPublished by admin | No comment
TaxiLater is an app built with one purpose: letting you schedule an Uber for a specific time.
All you have to do is download the app and input your Uber credentials and you're ready to book an Uber for whatever time you want. The app features official Uber integration by tapping into Uber's API, which was first opened up to third-party app developers in 2014, but recently seems to have become more of a priority for the company.
The terms of Uber's API are strict, and some apps that have tried to add this sort of functionality in the past have run afoul of the rules (including a previous incarnation of TaxiLater called TimeTravel). TaxiLater was created by Joshua Meier, a student at Harvard, who tells Business Insider that he has been in contact with Uber's team for months making sure he got it all right.
He says the top violations of Uber's terms are apps "reselling" Uber's service and "competing" with them. But he's not worried.
"I'm not trying to build a company or monetize here," he says. "I'm just a student who loves coding, saw a problem/opportunity, and thought I could build something that would help people."
Here's how TaxiLater works:
First you allow TaxiLater to access your Uber account.
And your location. Then you select your drop off and pick up location.
Then you select the time: this is the time that you want the Uber to arrive at your location (after you set it, the algorithms continually adjust the optimal time for requesting the ride, according to Meier).
All that's left is selecting which type of Uber you want. That's it.
The post This app lets you schedule an Uber for any time you want appeared first on Business Insider.
Business Insider


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Most security outdoor wireless camera battery operated
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Jim jones essay
Florida attorney, Jim Dodson strongly believes in the value of a college education. To help assist with costs, his firm is offering a $1,500 scholarship. Jones is a native of Louisville, Kentucky, and comes to Boyce with 10 years of varied experience in the public school system, collegiate level, and church life. Aug 27, 2016 · Most sports stars are probably conservative. Athletes at all levels of competition frequently praise God for giving them the strength to succeed at their.
Notes. 1 My reading text is the Folio Society 1991 reprint of the 1985 Penguin text based on Richardson's first edition edited and introduced by Angus Ross; Samuel. Companies spend so much money on free services because of online advertising that trades in personal information. If users supply less information to the Web, the Web. On November 18, 1978, 909 men, women and children died in "revolutionary suicide" at Jim Jones' Peoples Temple in Guyana
Jim jones essay
I have combined 3 of my essays to play So sit back and listen to "What is a Fire Fighter?, The Secret Life of Tommy Westwind, and Survival at Sunrise( The day I. Author, commentator and activist Jim Hightower has been fighting the Powers That Be on behalf of the Powers That Ought to Be for over four decades. Fernando, Joseph, MPSY, M.D., "The Etiology of Narcissistic Personality Disorder" (1998). Psychoanalytic Study of the Child. 53:141-158. Jonestown: The Life and. Carver Gayton reflects on the Jim Owens statue at Husky Stadium, University of Washington. By Carver Gayton; Posted 9/19/2004; HistoryLink.org Essay 5745 Van Jones unloads on Kayleigh McEnany for defending Trump: 'You can't polish that turd'
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Summit Steel & Manufacturing's precision manufacturing capabilities can cut costs for your next construction project.
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Metro reaches deal with satellite citiesPosted: Updated:
The Metro Nashville government has reached a tentative new agreement with five satellite cities, giving the communities more flexibility.
The new deal would allow the satellite cities to establish municipal courts, build parks and conduct building-related inspections, among other things.
If approved by the Metro Council and community leaders in the smaller cities, the initial agreement would last four years. If no objections develop, the plan would be extended four additional years.
According to a memo by Metro Legal Director Saul Solomon, the goal of the agreement was to preserve the essence of the Metro charter and resolve legal disputes about duties and responsibilities.
In 2011, Nashville sued Forest Hills to prevent the city from creating its own municipal court.
The deal is also expected to stop a vote on a pending bill in the state legislature. A proposal sponsored by State Rep. David Alexander and State Sen. Jim Tracy would give the satellite cities additional freedoms.
In a letter earlier this month, Mayor Karl Dean said the bill would "gut" Metro government.
Solomon said the new agreement preserves a "spirit of unity."
On Saturday, April 6, Metro will celebrate its 50th anniversary with a free party at Public Square Park.
Copyright 2013 WSMV (Meredith Corporation). All rights reserved.
Metro reaches deal with satellite citiesMore>>
Davidson County newsClick to read more headlines from Davidson County.More >Click to read more headlines from Davidson County.More >


text:
Tax Tips for Chinese Investors of US Real Estate
In our practice, we have worked with many foreign real estate investors, including those from China. Certain tax issues must be understood by foreign investors as investment in US real estate continues to grow. This not only includes annual filing requirements, but also tax withholding upon the sale under FIRPTA.
Those who are not citizens of the United States are determined to be either resident aliens or non-resident aliens for tax purposes. Generally, you are considered a nonresident alien if you did not reside in the US during any part of the tax year.
The vast majority of Chinese clients that we have qualify as nonresident aliens because they do not reside (eve n part-time) in the United States. Most clients must still file state and federal US income tax returns due to their real estate holdings. However, there are a few specific ways they can elect to be taxed and few pitfalls they need to consider before they purchase their first property.
There are three main US tax issues that investors should be aware of, and they are: (1) gift tax; (2) estate tax; and (3) income tax. Depending on the tax situation, there may be some entity structures that could be implemented to make your investments more tax efficient and address any future considerations. Many of these concerns can be alleviated with the proper planning, so you can sleep easy at night.
In addition to these federal tax issues, Chinese investors may also come across specific state tax laws that further complicate the tax-filing process. The US is composed of 50 states, 43 of which impose a state income tax. Some states may have additional taxes and filing requirements that will make the process more complex.
You may encounter tax concerns not only in the United States, but in your home country as well. Foreign investors should be aware of how their US investments will impact their tax situation in their country of residence. Many of these countries will give a tax credit for any taxes paid to the United States, but they will also often tax you on your profits. Make sure that you engage a experienced and knowledgeable tax professional in China who understands these potential tax concerns.
Chinese investors must also recognize that even though the IRS has default or standard classifications that govern how nonresident aliens are taxed, the US has tax treaties with many countries that can in some situations significantly lower your tax liability. The tax treaties are complicated and having a proper understanding of them will require the insight of a tax specialist.
Many investors will find themselves being taxed just like US individuals with the proper tax planning. Tax rates begin at 10% and go up to 39.6%. They will also often find themselves paying rates at the lowest level (if they even pay tax at all), since rental real estate generates depreciation deductions and frequently a passive loss. Upon the sale of the property, the US tax code allows individuals to pay at a favorable long-term capital gains rate of 15% (subject to certain conditions).
Navigating US tax law and filing your tax returns can be a challenging process. Before you buy your first property you should consult with a tax professional. At Sundin & Fish, PLC, we deal extensively with real estate investors from China and we are able to review your situation and discuss tax planning strategies.
Education is important to the process, so make sure you have a professional on your side. Call us today at 480-361-9400.
We work with worldwide real estate investors, including (but not limited to) investors from Canada, France, Israel, Australia, Germany, Netherlands, United Kingdom, Sweden, Russia, Japan, China, and Switzerland.


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Does doctors use lamotrigine for chronic pain sufferers/?
- Asked
- 24 Nov 2014 by buddy6
- Active
- 25 Nov 2014
- Topics
- pain, lamotrigine, chronic pain, doctor, chronic
Responses (1)
Further Information
- Lamotrigine Information for Consumers
- Lamotrigine Information for Healthcare Professionals (includes dosage details)
- Side Effects of Lamotrigine (detailed)
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In business for over 18 years, Total Rebuild is a name you can trust to diagnose and solve all of your pump-related problems.
This technology offers a numbers of features not found in the traditional mechanical circular chart recording systems. For example,it can support up to 15 part/tools connected in series/string using a common pressure. The chart scale is linear display as opposed to paper charts. The graphic resolution is typically +/- 22.75 psi vs. 250 psi (30k) on circular charts.
The test data management feature electronically files in applicable unique part and serial directories. This feature had proven to increase productivity and cost effectiveness through the elimination "touch labor" associated with paper chart management and distribution. This feature also enables rapid retrieval and distribution of test data files via either e-mail or HTML formatted web-pages. It can also be upgraded to facilitate real-time test monitoring at remote (customer) locations.
Files Directory
The primary purpose of the "Files Directory" is to store test data and essential configuration file. It contains the part and serial numbers, and configuration sub-directories. It is a critical component to the system and should be backed up regularly ideally to a server or a CD Rom. If this directory is missing or corrupted, the program will crash. It a brief description of this directory is provided below.
Data Directory:
This sub-directory is a "catch all" database. The data logging function writes files directly to this directory. It saves all test files whether complete of incomplete. The files contained in this directory can be used to either continue an existing test or be used for default information in creating new test.
Archive Directory:
The purpose of this sub-directory is for storage of historical data. The archiving routine is designed to store only completed. Incomplete test results or duplicate files are rejected. It is imperative that this directory be backed up daily on a server or CD Rom.
Configuration Directory:
This sub-directory store three essential configuration files. It contains information about last file at the time of shut down, the parts/tool inventory listing, and the user access list. The system will automatically create and load missing or corrupted files. It is also imperative that inventory list be backed up daily on a server or CD Rom.
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Price Competitive Tendering Proposals in the Government's Transforming Legal Aid Consultation14.06.2013
Meeting started on Tuesday 11 June at 9.33am. Ended at 11.50am
The Police are to be given a role in deciding whether or not a defendant receives legal aid support, under new proposals from Chris Grayling.
Reducing barristers' and solicitors' fees should be an easy policy sell in an era of austerity.
Crown court judges have delivered a damning response to government plans to prevent defendants choosing their solicitor and slice a further £220m off the legal aid budget.
'It will create an underclass': Government lawyers warn Justice Secretary Chris Grayling over proposed 'unconscionable' changes to legal aid10.06.2013
The Government's own lawyers have condemned its proposed changes to legal aid as "unconscionable", warning the Attorney General that the reforms will "create an underclass" in Britain with no access to justice.
The European Commission, Parliament and Council have this month reached agreement on the text of a Directive which will guarantee the right of access to a lawyer in criminal proceedings and to communicate upon arrest.
Viviane Reding - Vice President of the European Commission, EU Commissioner for Justice.
Waiting times for civil aid continue to grow.
Legal aid ruling raises many questions05.06.2013
Justice Minister Judith Collins needs to spell out the effect a Court of Appeal decision on the legal aid scheme will have on the cost of that scheme, and what she is going to do to ensure her ministry acts lawfully, Labour's Justice spokesperson Andrew Little says.
QCs are concerned about the Ministry of Justice's plans to further restrict legal aid for judicial review.


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Legacy Living Newsletter Planned Giving AG Financial Solutions Fall | Winter 2011
Year-End Tax Checkup
Your Plan and Checklist By Bob Lamb, Cfp® SVP Planned Giving and Investment Solutions
With December 31 fast approaching, now is the time to think about year-end tax planning options. For many, year-end tax planning is about as much fun as going to the doctor for an annual physical. But just as a yearly checkup is important for monitoring health, an annual financial assessment is an ideal way to check up on financial health and make adjustments before the deadline. Here are several options to consider. Charitable gifts. Timing is especially important when considering a charitable gift. A cash gift may be completed quickly right up to year-end. Gifts of appreciated stock and real estate usually take more time to complete properly, but are well worth considering because of their tremendous tax benefits. If interested, you will want to begin the process of making these types of gifts now.
Take the time to sit down and analyze your financial situation. Then implement a plan to make sure you're on target with your stewardship goals.
Family gifts. If circumstances allow you to start transferring some of your wealth to your children and grandchildren, consider making annual exemption gifts. You are entitled to give $13,000 per person to any number of individuals free from gift tax.
Remember, to receive your full tax benefits for 2011, you must complete the gift by midnight, December 31, 2011. If you are interested in making a charitable gift or exploring your options, please contact one of our consultants today.
Year-End Tax Checklist 1. Make a donation. 2. Gift to family members to meet yearly gift exclusion. 3. Adjust for capital gains and losses within your portfolio. 4. If age 70½ or older, make sure you have met your required minimum distribution. 5. Review estate planning documents.
Reaching your goals
Adjust capital gains and losses. The end of the year may be the perfect time to unload some of those under-performing investments in your portfolio. You may reduce or eliminate any tax liability by matching your gains with your losses. You will generally obtain the best tax result by generating short-term capital losses to offset any short-term capital gains you received throughout the year.
What will be your legacy? Planned giving helps you
Charitable IRA distribution. In 2011, it is allowable to make a charitable distribution up to $100,000 from your IRA to a qualified 501(c)(3) charity. This option may satisfy your required minimum distribution (RMD) amount and realize a tax savings.
$285 million has been
make wise stewardship and financial decisions to manage your wealth. The marriage of proper financial and stewardship planning allows you to reach your goals for yourself, family, and ministry.
dispersed to ministries and churches through the Assemblies of God Foundation and the wise stewardship of donors.
Legacy Living
Retirement and real estate
Ways your investment can continue to pay off Commercial and rental real estate investments are a great source of wealth and income for millions of Americans. However, at retirement, many investors no longer want to be landlords, but are unsure of their options.
When and why to transition out. If you are currently earning income from rental property, why would you transition out? Maintaining and managing a property may become too costly, inefficient, or just too much of a headache for many investors— especially after retirement. Several other factors can also contribute to the dilemma of investment real estate. These investments may have significant unrealized appreciation due to owning the property for a period of time, property improvements, and/or 1031 exchanges. It can be difficult to determine the right solution. Adding to the complexity, your other income-producing investments probably offer a much lower payout than the real estate property. If you choose to transition out of real estate at retirement, a Charitable Remainder Trust (CRT) can be an ideal solution with strong benefits. Here's how it works. By establishing a CRT, you may create an immediate charitable tax deduction and possibly avoid upfront capital gains when the property sells. Along with those benefits, the CRT provides a fixed or annually adjustable lifetime income. What's the process? The first step is to place the property into a CRT with AG Financial Solutions benefiting the ministry of your choice. Once you have set up the CRT, you will continue to manage the property and receive "pass through" income until the property sells. After the property sells, you will receive a consistent, lifetime income of at least five percent of the trust value. Every situation is unique. If you would like a personal consultation about how a CRT can help meet your stewardship goals and provide a hassle-free income from your real estate, please contact one of our consultants today.
Charitable Remainder Trust
Donor places asset in CRT with possibility of a charitable deduction.
Asset value
Example: Joe and Linda Taylor, both age 66, were looking to sell their investment real estate. Over the years, their property had increased substantially in value. Now with retirement on the horizon, the Taylors were looking for a way to sell their highly-appreciated property, generate income for their future, and avoid paying high capital gains tax. With a Charitable Remainder Trust, Joe and Linda were able to bypass capital gains, increase their income, and receive a charitable tax deduction while blessing the ministry of their choice.
Asset is sold, possibly avoiding upfront payment of capital gains.
Asset value Donor establishes a desired lifetime income of at least 5% annually. Trust could also potentially pay income to family for 20 years.
Ministry receives remaining amount when the end of the CRT term is reached.
Lifetime income benefit. (Annual payments of $12,500 for lifetime)
Approximate gift to ministry
*This example is based on a hypothetical fact scenario and is intended for illustration purposes only. The terms, tax benefits, expected income and expected ministry benefit are dependent on several variables that are different in each situation, including age(s) of the donor(s), tax bracket of the donor(s), term of the trust, type of asset(s) used to fund the trust, type of Charitable Remainder Trust used, and investment of the trust assets. Consult your tax advisor for more information that is specific to your situation.
Fall | Winter 2011
Consolidating accounts
Less is more
Americans switch jobs more than ever before. Gone are the days when a person stayed with one company for an entire working career. With this trend of transferring jobs, an investor's financial portfolio becomes more complicated. And one of the more critical decisions is what to do with a vested retirement plan. When deciding what to do with a previous 401(k) or other retirement accounts, some people try to avoid fees by leaving the accounts with their previous employer. They may feel this is a way to keep funds diversified among various institutions. Many financial advisors disagree with this strategy. Although some employees might believe that having all of their eggs in one basket is not wise, it's quite the contrary. Consolidating actually simplifies your finances and lets you manage your accounts in a more coordinated way.
Consolidating various accounts into one has further benefits. With multiple accounts scattered among different financial institutions, you're potentially setting yourself up for higher fees, duplicate investments, and the frustration of managing separate accounts. Consolidating allows you to enjoy lower fees either by having fewer accounts or simply having all of your accounts with one advisor. AG Financial Solutions can help you answer these questions—and help you develop a course of action for consolidating your retirement plans. Contact one of our consultants today.
Action Plan If you are using more than one financial institution or have more than one account, it may be time to simplify. 1. Gather your financial information to assess your current situation. 2. Evaluate what you are paying and any financial risk involved. 3. Determine whether having various accounts is working for or against your financial plans. 4. Evaluate your financial advisor. It is important to have a relationship with a knowledgeable and trusted advisor so there is a mutual understanding of your needs and goals.
New tax laws offer benefits
IRA gifting in 2011 Although IRAs are a great way to invest your cash, many people do not consider the challenges of managing these assets. Every new tax year can bring new laws. With the recent changes regarding distributions, up-to-date IRA knowledge is essential. Keeping current with the laws will equip you in your stewardship as you strive to make wise investment decisions. Recent law changes for charitable giving. Beginning in 2011, nontaxable charitable distributions can be made to a qualified charity. Not only does this alleviate tax withholdings, it also meets the required minimum distribution (RMD). Charitable distributions made through your IRA allow for substantial giving, as you are allowed to distribute up to $100,000.
Charitable distributions can capitalize on new laws. Annual giving from your IRA helps free up cash flow from other income sources. Any charitable distributions from your IRA may be taxfree without being considered income.
Now is the time to start making charitable distributions from your IRA. If you would like more information on how to begin the process, please contact one of our consultants today.
You may also want to consider moving some of your IRA funds to an endowment for a ministry you care about. Placing your IRA funds into an endowment allows your favorite ministry to have perpetual use of the funds while still allowing you to receive all the same benefits.
To receive confidential, objective advice, please call your planned giving consultant or visit agfinancial.org for more information.
1661 N. Boonville Avenue Springfield, Missouri 65803 866.561.8860 agfinancial.org
Planned Giving
Legacy Living Newsletter A heart for giving. A mind for smart planning. Yes, you can do it all. Whether you're approaching retirement or already have a giving plan in place, it's crucial to stay informed about changes in tax and estate laws. Plus, new options are continually arising. This biannual newsletter delivers helpful information and solutions for your giving and retirement plans. Contact our team of experts today to get started.
Larry Lister
Jason Lister
Charles Reubell
Lee Watson
Mike Wynn, JD
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Published on Dec 9, 2011
Legacy Living Newsletters from AG Financial Solutions provide timely updates and information about planned giving.